Terms of Use for the Mark's Pensions Website

These terms apply when you visit or use the Mark's Pensions website, including its pages and any information made available through it. By continuing to use the site, you agree to follow them.

Use the site for lawful personal or business research. Do not interfere with its operation, attempt to gain unauthorised access, or use automated tools to copy, scrape or republish material without written permission.

Use it carefully.

1. General information only. Website articles and descriptions are provided for general information. They do not take account of your income, assets, tax position, family needs, investment experience, attitude to risk or retirement plans.
2. No personal recommendation. Nothing on this site is a recommendation to buy, hold, transfer or sell a pension, investment or other financial product. Product rules and tax treatment can change, and individual circumstances matter.
3. Check important details. Information is prepared with care, but it may become outdated or contain an error. Confirm relevant facts and current rules with an appropriate professional before acting.
4. Regulatory status. Any advice that requires regulatory authorisation is provided only by an appropriately authorised person and within the scope of that person's permissions. The relevant authorisation and firm details should be confirmed in the formal engagement documents before advice is given.

A contact form, email, telephone call or initial meeting is a way to discuss your enquiry. It does not, by itself, create an advisory relationship or mean that a personal recommendation has been made.

Formal advice begins only after the scope of work and any applicable terms of engagement have been agreed. Advice will be based on information gathered about your circumstances and documented in the relevant suitability material.

Wait for written advice.

1. Give accurate information. If you enter an advice process, provide complete and current details. Missing or incorrect information may affect the assessment and any recommendation.
2. Review the documents. Read the engagement terms, fees, risk information and any suitability report before deciding whether to proceed with a recommendation.
3. Make your own decision. You remain responsible for deciding whether to act, unless a separate arrangement states otherwise. Contact Mark's Pensions if an explanation or correction is needed before you proceed.

Website text, design, branding and other materials are owned by Mark's Pensions or used with permission. You may view and print pages for your own reference. Any wider reproduction or commercial use requires prior written consent, except where the law allows it.

Some pages may refer to third-party websites, providers or services. Those parties control their own content, security and privacy practices. A link is provided for convenience and does not mean Mark's Pensions endorses the linked material.

Limits apply where lawful.

Third-party services

When you leave this site, the other provider's terms and privacy information apply. Check them before sharing personal or financial details.

Site availability

We may change, suspend or remove pages and features. We do not promise uninterrupted access or that every page will always be current.

Liability

To the extent permitted by applicable law, Mark's Pensions is not responsible for loss arising from reliance on general website information, interruptions to access, or third-party material. Nothing in these terms excludes or limits liability where the law does not allow that exclusion or limit.

Governing law

These terms are governed by the laws of Ireland. The Irish courts have jurisdiction, subject to any mandatory rights or rules that apply to you.