Curtis Banks

About Curtis Banks (we/our/us)

References to “you” or “your” are references to any person accessing the Site. References to “we”, “us” or “our” are references to either:

• Curtis Banks Limited (registered in England with number 6758825) whose registered address is at Dunn’s House, St Paul’s Road, Salisbury SP2 7BF and is authorised and regulated with the Financial Conduct Authority (“FCA”) (FCA number 492502);
• Suffolk Life Pensions Limited (registered in England with number 1180742) whose registered office is at 153 Princes Street, Ipswich, Suffolk, IP1 1QJ and is authorised and regulated by the FCA (FCA number 116298) also trading as Curtis Banks Pensions;
• Suffolk Life Annuities Limited (registered in England with number 1011674) whose registered office is at 153 Princes Street, Ipswich, Suffolk, IP1 1QJ and is authorised as an insurance company by Prudential Regulation Authority (“PRA”) and regulated by the FCA (FCA number 110468);

Referred to collectively as Curtis Banks.

Curtis Banks operates and administers self-invested personal pension (“SIPP”) products, small self-administered scheme (“SSAS”) products and similar pension products.

This website [www.curtisbanks.co.uk] (the “Site”) is provided to you by Curtis Banks.

Terms of use

This website [www.curtisbanks.co.uk] (the “Site”) is provided to you by Curtis Banks. By entering or using the Site, you confirm that you have understood and accepted the following terms of use pertaining to the Site.

Intellectual property & other rights

The information and material contained on the Site are the copyright of Curtis Banks. Nothing on the Site shall be interpreted as granting any licence to use any image, trademark, logo or service mark on the Site. Copying or downloading material from the Site does not transfer title to any material on the Site to you. Anything transmitted to the Site by you becomes the property of Curtis Banks  and may be used by us for any lawful purpose. Curtis Banks  reserves all rights with respect to copyright and trademark ownership of all material on the Site, and will enforce such rights to the full extent of the law.

The contents of the Site have been prepared solely for information purposes. No investment or tax advice is being given in the Site. Nothing on the Site should be regarded as an offer or solicitation to buy or seek any pension products we may offer or as a comment on the merits of engaging in any pension investment transaction or activity or an inducement to do so. Statements on the Site are subject to change and correction without notice and no responsibility is accepted for the contents of the Site by Curtis Banks. Independent advice should be sought where appropriate.

By accessing and using the Site you will be deemed to have read, understood and accepted these terms of use. If there is anything that you do not understand then please contact us.

2. Risk Warning

2.1 The contents of the Site are provided for information purposes only and do not constitute investment advice, legal or professional advice. Curtis Banks does not warrant the accuracy, reliability or completeness of the materials or information contained on the Site, either expressly or impliedly, for any purpose. Curtis Banks expressly disclaims, to the fullest extent permissible by law, any implied warranties or merchantability, satisfactory quality of fitness for purpose.

2.2 Curtis Banks  accepts no responsibility or liability for, and makes no warranties that, functions contained on the Site from time to time, will not be interrupted or error-free, that defects will be corrected or that the Site is free from viruses or other malicious software. Curtis Banks  does not give any guarantee and/or warranty as to the accuracy, timeliness or completeness of any information or material on the Site. In no event will Curtis Banks , or any of its affiliates, be liable to you for any direct, special, indirect, consequential, incidental, punitive or exemplary damages or other damages of any kind arising out of or in connection with the use, copying or display of the content contained in the Site, or any External Sites (see 3.1).

2.3 Curtis Banks does not represent that (i) any of the materials on the Site; (ii) any pension products or pension administration services that may be referred to on the Site or (iii) anything else whatsoever on the Site, are appropriate for use by all persons or permitted by local laws in all jurisdictions or by all investors. If you access the Site you do so at your own initiative and are responsible for compliance with applicable local laws and regulations. You should seek your own legal advice if you are in doubt. None of the materials or pension investment and administration services offered are available to persons resident in any jurisdiction where this would be contrary.

2.4 The products referred to on this Site may have tax consequences for which independent professional advice should be sought. Curtis Banks does not offer investment or tax advice.
Any reference to taxation in this website is based on our interpretation of current UK tax law and practice and does not constitute independent advice.

2.5 Past performance is not indicative of future result; the markets and applicable legislation may change and the value of your pension fund may fall as well as rise and you may not get the amount invested. No representation is being made that the current tax benefits will remain or that your SIPP or SSAS will make (and not lose) money. The information provided is for general guidance only. If you are unsure whether our products are suitable for your requirements, it is recommended that you speak to an independent financial adviser.

The Site is provided “as is” and “when available” and your use of the Site is at your own risk. You agree that the Site is provided to you without any conditions or warranties (whether express or implied).

3. External Sites

3.1 The Site contains links to external websites (“External Sites”) that are not under our control. If you leave the Site via a link contained in the Site, and view material that is not provided by Curtis Banks, you do so at your own risk. The provision of these links by Curtis Banks does not constitute authorisation or sponsorship of, an endorsement by, or an affiliation with such External Sites. The content of External Sites has not been developed, checked for accuracy or otherwise reviewed by Curtis Banks Ltd. Curtis Banks accepts no responsibility for the content or the use of External Sites and is not responsible for damages or loss caused by any omissions that may exist in the information or other content provided, whether actual or consequential.

4. Data Security and Data Protection

4.1 If you choose to have your SIPP or SSAS administered by us, you will have password and log-in details to the relevant ‘Portal’ of our website, which will contain personal information about you and your pension scheme (your “Personal Data”). This section sets out the practices Curtis Banks has in place to protect the security and integrity of your data.

4.2 Your use of this Site and any relevant Portal means that you accept, and agree to abide by, all the statements in these Terms of Use.

5. Modification

We may revise the terms of this disclaimer (including our privacy policy for dealing with your personal data) to meet our evolving business needs and any change in legislation. Therefore you should review this disclaimer very time you visit the website.

6. Governing Law

The terms of this disclaimer are legally binding upon you and shall be governed by and construed in accordance with the laws of England and Wales.