We do not guarantee that this website, or any content on it, will be free from errors or omissions.
Although the information provided on this website is part of the information that we use as a basis for our advice to the Client, you must liaise with us before making any decisions based on the contents of this website or using any content for formal disclosure purposes.
This is because in many circumstances you will need written advice before using these figures as a basis for making decisions, and there may also be other factors to take into account. In addition, the accuracy of information, models, calculations and other material on this website relies on data provided to us as at a certain date and it may be affected by changes to this data or external events not reflected in a model.
Therefore, we accept no liability for any actions or decisions taken using this website unless we have confirmed in writing that LCP Visualise is appropriate for that purpose.
Access to this website is provided as part of our overall service to the Client and is subject to the limitations and exclusions of liability set out in our appointment letter (and Terms and Conditions of appointment) with the Client, including the liability cap, and any other written agreement with the Client.
Regarding any person other than the Client (including the individual user of this website), to the extent permitted by law, we exclude all liability for any loss or damage, whether in contract, tort (including negligence), breach of statutory duty, or otherwise, even if foreseeable, arising under or in connection with use of, or inability to use, this website or use of or reliance on any content on this website.
Access to this website is only for users for whom we have provided a username and password in connection with the Scheme on which we are advising the Client. If you have been given access to this website by mistake or suspect that an unauthorised person knows your password, you must inform us promptly at firstname.lastname@example.org.
You may use this website only as part of your role in connection with the Scheme as permitted by the Client and for no other purpose.
We may update, modify, restrict access to or close this website. We do not guarantee uninterrupted use of this website or accept liability for any access delays or interruptions.
This website is owned and operated by LCP, a limited liability partnership registered in England and Wales with registered number OC301436 and VAT number GB 896 1024 12. All partners are members of LCP. A list of members' names is available for inspection at 95 Wigmore Street, London W1U 1DQ, the firm's principal place of business and registered office.
LCP is regulated by the Institute and Faculty of Actuaries in respect of a range of investment business activities. The firm is not authorised under the Financial Services and Markets Act 2000 but we are able in certain circumstances to offer a limited range of investment services to clients because we are licensed by the Institute and Faculty of Actuaries. We can provide these investment services if they are an incidental part of the professional services we have been engaged to provide.
We are the owner or the licensee of all Intellectual Property Rights in the website and the Content. Client Data is owned by the Client (or its licensors). If applicable, you grant to us on behalf of the Client a non-exclusive, royalty-free worldwide licence to publish or otherwise use Client Data for the purposes of providing this website.
For these purposes:
We do not guarantee that this website will be free from bugs or viruses. You must use your own virus protection software. We do not accept liability for any damage or loss caused by:
You must not misuse this website by knowingly introducing viruses, trojans, worms, logic bombs or other material which is malicious or technologically harmful.
Where this website contains links to other websites and resources provided by third parties, these links are provided for your information only. We do not endorse any of these websites or accept responsibility for their contents.
To the extent permitted by law, we exclude all conditions, warranties and representations in respect of this website and its content (whether express or implied). This does not exclude or limit our duties to the Client in respect of advice that we provide under the terms of our appointment with the Client.
Nothing in these terms and conditions excludes or limits our liability for fraud or reckless disregard of professional obligations or for death or personal injury arising from our negligence or that of our partners, consultants or employees.
If any of these terms and conditions are held by any judicial or other competent authority to be void, voidable, illegal or otherwise unenforceable the remaining terms and conditions shall remain in full force and effect.
Any temporary or permanent waiver on our part of any of the terms and conditions shall not affect our right subsequently to enforce all the terms and conditions.
None of these terms and conditions is intended to be enforceable pursuant to the Contracts (Rights of Third Parties) Act 1999. Accordingly no third party shall have any right to enforce or rely on any of these terms and conditions.
These terms and conditions shall be governed by and construed in accordance with English law, and we and you each submit to the exclusive jurisdiction of the English Courts.