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Our guide to annuities

This is our guide to buying an annuity and we recommend you read this to understand your options at retirement so you are fully aware of the choices available to you.

Download our guide to annuities here

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HUB Financial Solutions Limited Annuity Service - Website Terms and Conditions of Use

Welcome to the HUB Financial Solutions Annuity Service website (our “Site”). This page provides important information about use of our Site and other legal matters.

Please read all of the following terms and conditions together with our privacy policy carefully before continuing your use of our Site. By continuing to use our Site, you are indicating your agreement to use it in accordance with these terms of use and our privacy policy.  We may update these terms of use from time to time and by continuing to use our Site, you agree to any changes or updates. We recommend that you check these terms and conditions each time you log on to use our Site.  

If you do not agree to these terms of use, then you should not use our Site.  


1. General

1.1. Our Site is owned and operated by HUB Financial Solutions Limited, a limited liability company registered in England and Wales (company number 050125701) whose registered office is Vale House, Roebuck Close, Bancroft Road, Reigate, Surrey RH2 7RU (“HUB Financial Solutions”, "us", “our” or “we”). HUB Financial Solutions Limited was previously known as Just Retirement Solutions Limited.

1.2. HUB Financial Solutions is authorised and regulated by the Financial Conduct Authority. HUB Financial Solutions is entered on the Financial Services Register under number 455713.

1.3. Our Site may contain hypertext links to websites operated by third parties. The responsibility for those websites belongs to the third parties who operate those websites. We do not accept any liability in relation to the content or operation.  Separate terms and conditions will also apply to those websites and you are encouraged to read those if you access those links.

1.4. Our Site is only intended to be used by retail clients over the age of 18 resident in the United Kingdom.  This Site may also be used by anyone who requires information on UK pension annuities.

1.5. You will keep your username and password confidential. If you believe that your username and/or password is no longer secret, you must notify us as soon as reasonably practicable. You acknowledge that you are fully responsible for the security and/or use of such usernames and passwords. Unless you have notified us that something has happened to cause a risk of unauthorised use to your user identification code, then any activities that occur under you user identification code will be treated as if they were carried out by you. 


2. Information and use of our Site 

2.1. The information on our Site is provided to help you make a decision about whether an annuity is the right product for you, and to help you decide what features you may want from the product (the “Purpose”). Nothing on our Site should be considered:
(a) a solicitation to buy or an offer to sell insurance related services in any jurisdiction other than the United Kingdom; or 
(b) the offer or provision of financial, investment or other professional advice (including personalised advice for your particular circumstances) by or on behalf of HUB Financial Solutions.

2.2. We will use all reasonable care and skill to ensure that the information contained on our Site is accurate at the date of publication and that it is updated regularly wherever possible. However some of the information on our Site is provided by third parties over who we have no control and so we give no warranties and make no representations as to the accuracy, suitability or completeness of any information on our Site and do not accept liability for any errors or omissions within it to the maximum extent permitted by law.  Therefore, before purchasing an annuity you should always take adequate steps to verify the accuracy and completeness of any information contained on the Site.


3. Availability

3.1. We will endeavour to ensure that our Site is accessible 24 hours a day but will not be liable if, for any reason‚ our Site is unavailable at any time or for any period. We will have the right to suspend access to our Site temporarily or permanently and without notice.

3.2. We will not be liable for any losses, damages, liabilities or costs of any kind (whether    direct, indirect or consequential) arising in contract‚ tort, negligence or otherwise, if this Site is unavailable or is suspended for any reason.


4. Intellectual property rights

4.1. You acknowledge and agree that we are the owner or the licensee of all copyright and other intellectual property rights in or relating to our Site, and in material published on it.  Our Site and the material published on it are protected by copyright and other intellectual property rights, laws and treaties around the world.  All such rights are reserved. 

4.2. You are only entitled to use and copy materials on our Site strictly in accordance with the rights granted under these terms of use and 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.

4.3. Our status (and that of any identified contributors) as the authors of material on our Site must always be acknowledged. 

4.4. You must not use any of the materials or any part of such materials on our Site other than for the Purpose or for purposes which would be reasonably intended (taking into account the nature of our Site) without obtaining a licence to do so from us or our licensors.

4.5. If you print off, copy or download any part of our Site or materials on 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.


5. Information about you and your visits to our Site

 5.1. We process information about each registered user in accordance with our privacy policy. By using our Site, you consent to such processing and you warrant that all data provided by you is accurate. 

5.2. We reserve the right to amend or modify our privacy policy at any time and in response to any changes in applicable data protection and privacy legislation.

5.3. Please note that the entire Site, and any entries, passwords or usernames, are accessible for viewing by HUB Financial Solutions. 

6. Technical Support

6.1. Any technical support provided by HUB Financial Solutions is given in good faith and HUB Financial Solutions cannot accept liability for any data or information held on your computer, which may be lost or damaged in processes advised. 


7. Pop-ups

7.1. Our Site may use pop-up windows to display certain types of information.  Please ensure that you have disabled pop-up blockers from your browser when using our Site. We will not be held liable for any loss incurred as a result of your inability to view information resulting from the use of pop up blockers. 


8. Viruses and Internet Transmission

8.1. We cannot and do not guarantee that our Site and its material will be free from viruses and other code that may have contaminating or destructive elements. It is your responsibility to implement appropriate security measures and safeguards (including anti-virus and other security checks) to satisfy your particular requirements as to the safety and reliability of our Site and its material. 

8.2. You shall ensure that no computer virus or similar destructive code is introduced into our Site by any act, omission, or negligence by you. You shall test and maintain all software through which you access our Site (using the most up to date anti-virus software) to ensure that no viruses are introduced to our Site.

8.3. Due to the nature of the transmission of data over the internet, any liability to you in relation to your use of our Site or data transmitted using our Site is excluded to the maximum extent permissible by law.


9. Our Liability 

9.1. Whilst we will use our reasonable efforts to ensure that all transactions initiated by you via the Site are processed as soon as possible, we shall have no liability to you in the event of any loss being suffered due to processing delays which are beyond our control.

9.2. We shall not be liable to you for any indirect, special or consequential loss or loss of profit whatsoever in connection with your use of our Site.

9.3. Notwithstanding any other term within these terms of use, nothing is intended to: 

(a) exclude or limit any liability for death or personal injury arising from negligence, nor our liability for fraudulent misrepresentation nor any other liability which cannot be excluded or limited under applicable law; or

(b) exclude or restrict any duty or liability which we have in relation to you under the Financial Conduct Authority Rules or Financial Services and Markets Act 2000.


10. Complaints

10.1. If you have any issues or concern, complaints or comments with regard to HUB Financial Solutions, you should contact the Complaints Manager at HUB Financial Solutions Limited, Vale House, Roebuck Close, Bancroft Road, Reigate, Surrey RH2 7RU. If the complaint is not resolved to your satisfaction, you may also have a right to complain to the Financial Ombudsman Service. Further details of our complaints procedure and the right to complain to the Financial Ombudsman Service are available on request. 


11. Financial Services Compensation Scheme

11.1. In the unlikely event that we are unable to meet any of our obligations to you, you may be entitled to compensation under the Financial Services Compensation Scheme. This depends on the type of business and circumstances of the claim. Further information about the compensation scheme is available from the Financial Services Compensation Scheme.


12. Severance

12.1. If any court or competent authority finds that any provision of these terms of use (or any part of any provision) is invalid, illegal or unenforceable, that provision or part of that provision shall, to the extent required, be deemed to be deleted, and the validity and enforceability of other provisions of these terms of use shall not be affected.

12.2. If any invalid, illegal or unenforceable provision of these terms of use be valid, legal and enforceable if some part were deleted, the provision shall apply with the minimum modification necessary to make it valid, legal and enforceable. 


13. Jurisdiction and applicable law

13.1. The English courts will have exclusive jurisdiction over any claim arising from, or related to, a visit to our Site.  

13.2. 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 laws of England and Wales.

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