This page (together with any documents referred to on it) tells you the terms of use on which you may make use of our website www.ajg.com/uk/ ("our site"), whether as a guest or a registered user, if applicable, together with certain legal and regulatory information. Please read these terms of use carefully before you start to use the site. By using our site, you indicate that you accept these terms of use and that you agree to abide by them. If you do not agree to these terms of use, please refrain from using our site.

1. INFORMATION ABOUT US

  1. This page within www.ajg.com/uk/ is operated by Gallagher Benefit Services ("GBS") UK.
  2. Gallagher Benefit Services is a trading name in the UK for Gallagher Risk & Reward Limited (Company Number: 3265272), Gallagher Communication Ltd (Company Number: 3688114), Gallagher Actuarial Consultants Limited (Company Number: 1615055), Gallagher (Administration & Investment) Limited (Company Number: 1034719), and Gallagher Consultants (Healthcare) Limited (Company Number: 172919), which all have their registered offices at The Walbrook Building, 25 Walbrook, London EC4N 8AW. All the companies listed are private limited liability companies registered in England and Wales. Gallagher Risk & Reward Limited, Gallagher (Administration & Investment) Limited and Gallagher Consultants (Healthcare) Limited are authorised and regulated by the Financial Conduct Authority.
  3. Telephone calls may be recorded for training and regulatory purposes.

2. ACCESSING OUR SITE

  1. Access to our site is permitted on a temporary basis, and we reserve the right to withdraw or amend the service we provide on our site without notice (see below). We will not be liable if for any reason our site is unavailable at any time or for any period
  2. From time to time, we may restrict access to some parts of our site, or our entire site, to users who have registered with us, if applicable
  3. If you choose, or you are provided with, a user identification code, password or any other piece of information as part of our security procedures, you must treat such information as confidential, and you must not disclose it to any third party. We have the right to disable any user identification code or password, whether chosen by you or allocated by us, at any time, if in our opinion you have failed to comply with any of the provisions of these terms of use
  4. When using our site, you agree: (a) not to reproduce, duplicate, copy or re-sell any part of our site in contravention of these terms of use;
    (b) not to access or use the site in any way that breaches any applicable local, national or international law or regulation;
    (c) not to access or use the site that is in any way unlawful, libelous, defamatory, threatening, malicious, abusive, pornographic, obscene or embarrassing to any person;
    (d) not to access without authority, interfere with, damage or disrupt any part of our site, any equipment or network on which our site is stored, any software used in the provision of our site or any equipment or network or software owned or used by any third party;
    (e) not to use the site in any way which infringes or may reasonably infringe on any other person's copyright, trade mark, trade secret, know how or any other intellectual property rights
  5. You agree to, at all times, indemnify and hold harmless GBS and its officers, employees and agents ("those indemnified") from and against any loss (including reasonable legal costs and expenses) or liability reasonably incurred or suffered by any of those indemnified arising from or in connection with:
    (a) breach by you or your employees, agents, contractors or permitted assignees of this Legal & Regulatory Information document; or
    (b) any willful, unlawful or negligent act or omission on your part or on the part of your employees, agents, contractors or permitted assignees
  6. You are responsible for making all arrangements necessary for you to have access to our site. You are also responsible for ensuring that all persons who access our site through your internet connection are aware of these terms, and that they comply with them.

3. INTELLECTUAL PROPERTY RIGHTS

  1. We are the owner or the licensee of all intellectual property rights in our site, and in the material published on it. Those works are protected by copyright laws and treaties around the world. All such rights are reserved.
  2. You may print off one copy, and may download extracts, of any page(s) from our site for your personal reference and you may draw the attention of others within your organisation to material posted on our site.
  3. You must not modify the paper or digital copies of any materials you have printed off or downloaded in any way, and you must not use any illustrations, photographs, video or audio sequences or any graphics separately from any accompanying text.
  4. Our status (and that of any identified contributors) as the authors of material on our site must always be acknowledged.
  5. You must not use any part of the materials on our site for commercial purposes without obtaining a licence to do so from us or our licensors.
  6. If you print off, copy or download any part of our site in breach of these terms of use, your right to use our site will cease immediately and you must, at our option, return or destroy any copies of the materials you have made.

4. RELIANCE ON INFORMATION POSTED

  1. Commentary and other materials posted on our site are not intended to amount to advice on which reliance should be placed. We therefore disclaim all liability and responsibility arising from any reliance placed on such materials by any visitor to our site, or by anyone who may be informed of any of its contents.

5. OUR SITE CHANGES REGULARLY

  1. We aim to update our site regularly and may change the content at any time. If the need arises, we may suspend access to our site, or close it indefinitely. Any of the material on our site may be out of date at any given time, and we are under no obligation to update such material.

6. OUR LIABILITY

  1. The material displayed on our site is provided on an "as is" and "as available" basis without any guarantees, conditions or warranties as to its accuracy. To the extent permitted by law, we, other members of our group of companies and third parties connected to us hereby expressly exclude:
    (a) All conditions, warranties and other terms which might otherwise be implied by statute, common law or the law of equity;
    (b) Any liability for any direct, indirect or consequential loss or damage incurred by any user in connection with our site or in connection with the use, inability to use, or results of the use of our site, any websites linked to it and any materials posted on it, including, without limitation, any liability for loss of income or revenue, loss of business, loss of profits or contracts, loss of anticipated savings, loss of data, loss of goodwill, wasted management or office time and for any other loss or damage of any kind, however arising and whether caused by tort (including negligence), breach of contract or otherwise, even if foreseeable
  2. The contents of the site are for general informational purposes only (and do not constitute any form of professional advice) and should not be used or relied upon as a substitute for detailed advice specific to you or your organisation. Where the contents of this site include a recommendation or an assessment of risk, such recommendation or assessment of risk is an expression of opinion only and not a statement of fact. Any decision to rely upon any such recommendation or assessment (or any other part of this site) will be solely at your own risk, for which we accept no liability. The contents of this site do not replace the need for you to make your own assessment. Before taking any action based upon any of the contents of this site, you should consult one of our professionals or other appropriate advisor.
  3. This does not affect our liability for death or personal injury arising from our negligence, nor any other liability which cannot be excluded or limited under applicable law.

7. INFORMATION ABOUT YOU AND YOUR VISITS TO OUR SITE

  1. We process information about you in accordance with our Privacy & Cookies Policies. By using our site, you consent to such processing and you warrant that all data provided by you is accurate

8. VIRUSES, HACKING AND OTHER OFFENCES

  1. You must not misuse our site by knowingly introducing viruses, trojans, worms, logic bombs or other material which is malicious or technologically harmful. You must not attempt to gain unauthorised access to our site, the server on which our site is stored or any server, computer or database connected to our site. You must not attack our site via a denial-of-service attack or a distributed denial-of service attack.
  2. We will not be liable for any loss or damage caused by a distributed denial-of-service attack, viruses or other technologically harmful material that may infect your computer equipment, computer programs, data or other proprietary material due to your use of our site or to your downloading of any material posted on it, or on any website linked to it.

9. LINKING TO OUR SITE

  1. You may link to our home page, provided you do so in a way that is fair and legal and does not damage our reputation or take advantage of it, but you must not establish a link in such a way as to suggest any form of association, approval or endorsement on our part where none exists.
  2. You must not establish a link from any website that is not owned by you.
  3. Our site must not be framed on any other site, nor may you create a link to any part of our site other than the home page. We reserve the right to withdraw linking permissions without notice.

10. LINKS FROM OUR SITE

  1. Where our site contains links to other sites and resources provided by third parties, these links are provided for your information only. We have no control over the contents of those sites or resources and accept no responsibility for them or for any loss or damage that may arise from your use of them. We do not endorse or recommend any views, advice, products or services offered on site accessible via this site.

11. JURISDICTION AND APPLICABLE LAW

  1. The English courts will have exclusive jurisdiction over any claim arising from, or related to, a visit to our site although we retain the right to bring proceedings against you for breach of these conditions in your country of residence or any other relevant country.
  2. These terms of use and any dispute or claim arising out of or in connection with them or their subject matter or formation (including non-contractual disputes or claims) shall be governed by and construed in accordance with the law of England and Wales

12. TRADE MARKS

  1. The Gallagher logo is a registered trademark of the Arthur J. Gallagher group.

13. VARIATIONS

  1. We may revise these terms of use at any time by amending this page. You are expected to check this page from time to time to take notice of any changes we made, as they are binding on you. Some of the provisions contained in these terms of use may also be superseded by provisions or notices published elsewhere on our site.

14. IF YOU HAVE A COMPLAINT ABOUT US

  1. Gallagher Benefit Services ("GBS") takes complaints very seriously and will endeavour to handle complaints fairly and promptly, aiming to resolve them at the earliest possible opportunity.
  2. How to complain. Complaints can be raised to GBS verbally, by email, in writing or via any online portal where access is made available to you. There are no barriers for our clients, pension scheme members, or other employee benefit plan participants to raising, investigating, or responding to a complaint brought to GBS. All complaints will be treated as strictly confidential and we will communicate clearly with clients or members in plain language and without undue delay.
  3. Pensions Administration (Occupational Pensions). Any complaints regarding the administration of your occupational pension scheme benefits can be submitted to:

    Email: QualityAssuranceTeam@buck.com

    Or: Compliance Team. Gallagher (Administration & Investment) Ltd., 20 Wood Street, London EC2V 7AF

    Or via any member helpline or online portal which has been made available to you.

    If your complaint cannot be resolved in the first instance, you will usually have the option to raise the complaint through your pension scheme Internal Dispute Resolution Procedure (IDRP). Details for your IDRP can be requested from the Scheme Administrator. If your complaint is not resolved through the IDRP, you may be able to raise it with The Pensions Ombudsman.

    The Pensions Ombudsman
    10 South Colonnade
    Canary Wharf
    London
    E14 4PU
    Telephone: 0800 917 4487
    email to: enquiries@pensions-ombudsman.org.uk
    You can also find more information about The Pensions Ombudsman Service on its website: www.pensions-ombudsman.org.uk

  4. FCA Regulated complaints. Complaints about financial advice or services received from Gallagher Risk & Reward Limited, Gallagher (Administration & Investment) Limited or Gallagher Consultants (Healthcare) Limited should be directed to:

    Complaints team
    Compliance (GBS UK)
    The Walbrook Building,
    25 Walbrook,
    London EC4N 8AW
    Telephone: 0750 057 8873
    email to: uk.fs.compliance@ajg.com

    A copy of our Complaints Handling Procedure is available on request. If we are unable to resolve your complaint about financial advice you have the right to refer your complaint to the Financial Ombudsman Service at the address below.

    Financial Ombudsman Service
    Exchange Tower
    London
    E14 9SR
    Telephone: 0300 123 9123
    Email: complaint.info@financial-ombudsman.org.uk

    You can also find more information about the Financial Ombudsman Service on its website: www.financial-ombudsman.org.uk

15. MIFIDPRU PUBLIC DISCLOSURES

  1. In accordance with FCA requirements, specifically MIFIDPRU Chapter 8, the necessary disclosures in respect of Gallagher (Administration & Investment) Limited can be found here.