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Legal Notices

Before proceeding please take time to read this statement. If you use any pages of the Rowanmoor website, you are accepting the terms set out in this Notice. If you do not accept the terms of this Notice then please leave the site.

Any reference to “we”, “our” or “us” in this statement means Rowanmoor. Rowanmoor is a trading name of the Embark Group. Rowanmoor administers small registered pension schemes, known as small self-administered schemes (SSASs) and Family Pension Trusts (Family SIPPs) and individual member directed pension arrangements known as self-invested personal pensions (SIPPs). Rowanmoor also offers actuarial services, scheme practitioner services for SSAS trustees with scheme administrator responsibilities, scheme accountancy services and some non-registered pension schemes, known as Employer Financed Retirement Benefit Schemes (previously referred to as Funded Unapproved Retirement Benefits Schemes (FURBS)).

Corporate information

Rowanmoor Executive Pensions Limited (No. 5792242), Rowanmoor Trustees Limited (No. 1846413) and Rowanmoor Personal Pensions Limited (No. 2268900) are all subsidiaries of Embark Group Limited (No 03578067) and offer bespoke pension arrangements under the ‘Rowanmoor’ name.

Rowanmoor Executive Pension Limited is the scheme Administrator for schemes established under a Rowanmoor SSAS. Rowanmoor Trustees Limited is the Independent Trustee for all Rowanmoor SSASs.

Rowanmoor Personal Pensions Limited is the scheme Administrator and scheme Operator for schemes established as a Rowanmoor Family Pension Trust and for the Rowanmoor SIPP and is authorised and regulated by the Financial Conduct Authority (Financial Services Register number 458260). Rowanmoor Trustees Limited is the independent trustee for all Rowanmoor Family Pension Trusts and Rowanmoor SIPPs.

RCL Consultancy, a trading name of Rowanmoor Consultancy Limited (No. 3445656), authorised and regulated by the Financial Conduct Authority (Financial Services Register number 185600) and a subsidiary of the Embark Group, may attend trustee meetings for Rowanmoor SSASs.

Rowanmoor Personal Pensions Limited and RCL Consultancy belong to the Financial Services Compensation Scheme (FSCS). Details of the FSCS can be found on the FSCS website at www.fscs.org.uk/.

The FCA’s Financial Services Register can be accessed at www.the-fca.org.uk/firms/financial-services-register.

Jurisdiction for use

Our websites are intended for use only by those who can access it from within the UK. Products and services advertised on these pages are only available to UK companies and to individuals who have the right to contribute to a UK registered pension scheme.

Governing law

Our sites are governed by the laws of the country of the UK within which you reside and any dispute or action arising out of this site shall be determined in accordance with such laws.

Intellectual property rights

‘Intellectual Property Rights’ means any patents, copyright, database rights, design rights, registered designs, trade marks or service marks, trade names or know how (whether registered or not) and all rights or forms of protection of a similar nature existing anywhere in the world.

All Intellectual Property Rights on our sites are owned by or licensed to Rowanmoor, and may not be reproduced or copied except as set out below.

Copyright and trademark

The contents of our sites are © Rowanmoor 2017. The reproduction of any material present on this site is prohibited, except for that which is specifically provided for download purposes.

The material on our websites may not be posted to bulletin boards, newsgroups or related sites.

Rowanmoor and its logos are registered trademarks and protected by Copyright. Please contact our Marketing Department for approval to publish any references to Rowanmoor, or one of its logos.

Privacy and data protection statement

Please read our separate Privacy and Data Protection Policy.

Contacts

If you believe any information on our sites is inaccurate or have any suggestions on how the content of the sites could be improved please contact us at enquiries@rowanmoor.co.uk, or alternatively by calling 03445 440 550.

If you have questions on a particular product or service please use the contact us details shown for that product or service.

Hypertext links

Certain hypertext links in our websites may lead you to websites which are not under the control of Rowanmoor. When you activate these, you may leave the Rowanmoor website. These links are provided solely for your convenience and do not represent any endorsement or recommendation by Rowanmoor.

Rowanmoor accepts no responsibility or liability for the contents of any website to which a hypertext link exists and gives no representation or warranty as to the information on such websites. Rowanmoor accepts no responsibility or liability for any loss arising from any contract entered into with any website to which a hypertext link exists.

Please note that when you click on an external site hypertext link you will leave the Rowanmoor site and access the external site at your own risk.

Rowanmoor is not responsible for the privacy practices adopted by external sites.

No links may be created to our sites without the express prior written consent of Rowanmoor.

Changes

We will update the content of this notice from time to time. Please ensure that you visit this page regularly to ensure that you have seen and are aware of the current terms.

Client responsibility

It is your responsibility to ensure that your computer is virus protected. Rowanmoor accepts no responsibility for any loss you may suffer as a result of accessing or downloading information from our sites.

Liability

Rowanmoor excludes all liability whatsoever for any loss or damage howsoever arising to the full extent lawfully permitted, as a result of the use of our websites or reliance on any of their contents; loss includes all losses, claims, liabilities, costs expenses (including legal fees) and damages of any sort whatsoever and whether or not reasonably foreseeable or avoidable. We also exclude all liability for any loss or damage resulting from any attack on our systems by a third party, or for any computer virus, or other malicious or technologically harmful material that may cause your computer equipment, computer programs, data or other proprietary material to be infected due to your use of our sites.

General Disclaimers

Our websites are not, and should not be construed as, an offer to sell or invitation to buy, or the solicitation of any offer to buy any investments, securities or other products or services. The information and opinions provided on the sites are for guidance only and are not intended to provide investment, tax, legal or accounting advice to you. The information and opinions should not be relied on as authoritative or definitive and whilst they have been compiled in good faith, there is no representation or warranty, express or implied, as to their accuracy or completeness. They should not be used as the basis of any decision nor as a recommendation of the products and services referred to on this website, nor their suitability. Use of our websites cannot be a substitute for taking your own advice about your particular circumstances. Rowanmoor’s schemes are complex in their nature and you are recommended to seek advice from a recognised investment professional before making any decision to apply for one of our products.

Rowanmoor reserves the right to change the content of its sites without prior notice.

Rowanmoor does not guarantee the availability of its sites. The sites may be temporarily unavailable, or restricted in terms of content and access. Rowanmoor will not be liable for any loss or damage arising from or in connection with the loss of availability of all or part of any site. Rowanmoor accepts no liability for any loss that may arise if the products or services advertised within its websites become unavailable.

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Privacy and Data Protection Policy