Expert Pensions Limited: Terms and Conditions

These terms and conditions form the basis on which you can visit and use (the “website”) and its associated services. Please read them carefully, together with our privacy policy as you may only use the website and our services if you accept them in full. If you access, view or use in any way any of the contents of the website or our services “we” (Expert Pensions Limited) will treat this as an acceptance of these terms and conditions.

Website Content

Our Content

We make all reasonable efforts to ensure that our website content is correct. However, we do not guarantee the correctness or completeness of our content and take no responsibility concerning its quality or fitness for a particular purpose. It is provided without any conditions or warranties of any kind. The content within this site including that posted on member forums is for educational study purposes only. We do not provide financial advice in any shape nor form through Expert Pensions Limited and it should not be used for this purpose. We may make changes to our content at any time and without notice to ensure study content is appropriate.

Intellectual Property

The copyright and all other intellectual property rights in this website belong to us or our licensor(s). The material in the website is made available solely for your personal use. You may not store, reproduce or modify the whole or any part of the website or its contents for any purpose other than the private and personal use of yourself. Temporary copies which are made necessarily when downloading the website are permitted. Legitimate uses include viewing and printing of material.

We have taken all reasonable steps to ensure that we have not infringed the intellectual property of any third parties. If, however, you believe that any material on this site infringes your intellectual property rights, please email us at

Your Use of the Website

In addition to the above provisions under Website Content you may not:

  • Use material from the website for any unlawful purpose
  • Access the website in any way which interferes with its normal functioning
  • Include in any other website links to any page on this site other than the home page
    ( without obtaining our written consent. Specifically, “deeplinking” from your website and accessing our website in such a manner that it appears to be part of a third party’s website (for example, by the use of a frame) are not permitted.
  • Conduct any automated data collection activities with respect to the website or our system. These activities include, without limitation, scraping, data harvesting and data mining.

The Services Provided Through our Website

We provide only educational services and training and development support for the financial services sector. These services are described on the relevant pages of the website.

Permitted Use of our Materials

Our materials and support services are provided for private study by a specific, named person in preparation for the specified exams. They may not be used for any other purpose. Specifically they may not be resold or made available to others. Multiple electronic copies may be created for backup purposes, together with printed copies, but they may only be used by the named client. We retain copyright in all materials produced and record when documents or other materials are accessed.

Quality of our Materials

We believe all of our materials to be of a high quality and fit for purpose. However, as assessment of this quality is subjective, we are not able to guarantee fitness for purpose.

Exam Results

We cannot guarantee that any client will pass the exams for which we provide support materials. While we believe the support we provide to be of the highest quality, we have no control over the use made of them. No liability can be accepted for failure in any exams. We do everything we can to ensure you are best prepared for every exam, within the best professional and ethical conduct we operate under. For the avoidance of any doubt, we do not and never have nor never will offer any kind of exam pass guarantee using our study support. That is technically, professionally, ethically and morally impossible.

Commencement of Service

Our service commences when you have chosen one of our online memberships or agreed an offline package with us which includes access to our online material whether or not you have made the specified payment either online or by another mutually acceptable payment method.

Length and Termination of Services

Our online Courses or Modules give members access for 365 days from purchase unless otherwise specified on our website. Full details can be found on the relevant product pages.

In order to give you a flavour of what we do and for you to decide before you purchase if what we offer is a suitable training method for you,we offer certain modules on a Free Trial basis, these may also include video tutorials, but the content is entirely at our discretion at all times. No access to members forums will be given with any free or trial modules and we reserve the right to remove access to free/trial modules at any time and without notice.

All other packages please refer to relevent product pages or contact on: to discuss further. We reserve the right to refuse any application, remove any member or instantly terminate any subscription, paid or otherwise. We decide who we deal with. We want to work with and help those who conform to the same professional standards of conduct which we aspire to; any doubtful conduct which puts at doubt conduct which could not be described as ‘fit and proper’ will not be tolerated.

Where we can, prices quoted are EXCLUSIVE of standard rate vat (which currently stands at 20%: August 2016) and will be added to the final cost at checkout or included in your invoice.

Our store is hosted on Woocommerce. They provide us with the online ecommerce platform that allows us to sell our products and services to you.

Membership packages are only available to customers in mainland UK and Northern Ireland. If you are based outside the UK and would like to purchase any of our services, please contact us.

12 Month Online Packages

We reserve the right to refuse any application, remove any member or instantly terminate any subscription, paid or otherwise. We want to work with and help those who conform to the same professional standards of conduct which we aspire to; any doubtful conduct which puts at doubt conduct which could not be described as “fit and proper” will not be tolerated.

Cancellation and refunds

Cancellation by us

In the unlikely event that due to circumstances beyond our control we are forced to cancel or reschedule a study workshop or other event organised by us. We will endeavour to give all participants as much notice of this cancellation or new schedule as possible, either by email or telephone. You will then have 48 hours within which to inform us if a rescheduled date is not suitable for you. In the event of such cancellation or in the case of a reschedule not being suitable we will issue a refund within 30 days of the date of cancellation by whatever means you originally used to pay us. We do not accept liability for additional expenses incurred by you as a result of any cancellation or rescheduling of study workshop or event.

Cancellation by you

Once you have paid for a workshop, event or study plan and you have commenced the workshop, event or study plan, you are not able to cancel your purchase. If your workshop or event has not started, in accordance with the Consumer Protection (Distance Selling) Regulations 2000, you may cancel your contract with us within 7 working days after the date of your order confirmation and we will refund the purchase price within 30 days of the date of cancellation via the same means used to purchase. If you have paid to purchase tickets to attend a workshop or event which takes place within 7 days of your order confirmation, you hereby waive your cancellation rights.

Complaints Policy

If you have a concern or complaint, please contact us as soon as possible so this can be addressed. All complaints will be addressed and passed to the Expert Pensions Limited.
We will send you a letter acknowledging receipt of your complaint within five days of receiving the complaint. We aim to resolve your complaint fully within 21 days of sending you the acknowledgement letter. If, after due consideration, we consider the complaint reasonable we will make an appropriate recompense (financial or otherwise).

Ebooks, factsheets and other digital downloads

Due to the digital nature of these products, no automatic right of refund or cancellation exists after a purchase has been made by you in accordance with Regulation 13 of the Consumer Protection (Distance Selling) regulations 2000. This does not affect your statutory rights.


Except for death or personal injury arising from our negligence, we shall not be liable for any direct, indirect or consequential loss or damage (including without prejudice to the foregoing generality, any lost business opportunities, loss of profit or goodwill) arising from or in any way connected either with the website, or your inability to use the website or with any other materials provided by us, either free or as part of a product or service purchased from us.

We try to ensure that this website and any digital products we provide are free from viruses or defects. However, we cannot guarantee that your use of this website, any websites accessible through it or any digital products we provide will not cause damage to your computer. It is your responsibility to ensure that the right equipment is available to use the website or our digital products. Except in the case of negligence on our part, we will not be liable to any person for any loss or damage which may arise to computer equipment as a result of using this website. We take your security seriously and as such we host our site on secure hosting network. That network includes intrusion detection and intrusion prevention systems used, firewalls, regular vulnerability scanning for all infrastructure, servers, databases and applications, and more.

Force Majeure

If, as a result of forces outwith our reasonable control, we are unable to meet our commitments we will either deliver the service at a time agreed with you or reimburse you with the fee paid. You may choose your preference from these two alternatives. We cannot be responsible if the case studies issued by the examining bodies are either delayed or inaccurate. In any case we accept no liability greater than the fee paid.
Whilst we will always endeavour to keep the website working and keep any downtime to a minimum. We do not guarantee the availability of the site at any time and accept no responsibility for any loss of data, for any denial, restriction or interruption of access or any subsequent inconvenience.

Changes to Terms and Conditions

We may, from time to time, make changes to these terms and conditions. Such changes will take effect from their date of publication on the website. They will not be retrospective. Please check this page regularly to ensure familiarity with the current version.

Breach of these Terms and Conditions

If you breach these terms and conditions in any way we reserve the right to take any lawful action we consider appropriate to deal with this. Such actions include, without limitation, withdrawing your registration for our newsletter, terminating any contract for supplying you with services, blocking access to the website for computers using your IP address, banning you from accessing the website, requesting your ISP to block your access to the website and, where necessary, instigating court proceedings against you.

Law and Jurisdiction

These terms and conditions will be governed by and construed in accordance with Scots law, and any disputes relating to these terms and conditions will be subject to the exclusive jurisdiction of the courts of Scotland as long as we remain part of the UK. If Scotland ever becomes Independent from the rest of the UK, we will instantly register the company in England and will be conducting our business on the basis of English law.

Validity of Terms

If any provision in these terms and conditions is found to be unenforceable or unlawful, this will not invalidate the rest of the provisions.

Business Details

Business Name: Expert Pensions Limited

Registered Office: 4749 West Main St, Armadale, West Lothian, EH48 3PZ Registered In Scotland, registered no SC406704

Vat Number: 163 1337 31
Terms and conditions last revised in August 2016.

Please note we have no official link or connection with either the Chartered Insurance Institute (CII), Chartered Institute of Securities and Investments (CISI) or the Institute of Financial Services (Ifs). These are wellrespected industry bodies in their own right with no connection with Expert Pensions Limited. These organisations own each of their respective copyrighted logos, images and brands and in no way nor intention does Expert Pensions Limited suggest otherwise in any shape or form and will retract immediately anything which does.

If you have any questions about these terms and conditions please email us at

We run a small, but ethical and professional educational training and development business. We run it on an ethical and transparent basis and are very happy to discuss any of this small print. It’s designed to protect you and us and solely for the purposes of establishing exactly on what terms we are contracting. Nothing is deliberately designed to catch anyone out. We are here to help where we can – just give us a call or drop us a line.
Copyright © 2016 Expert Pensions Limited, All Rights Reserved