• Terms and Conditions
  • Disclaimer of Warranties
  • Privacy Policy and Cookies
  • Association of Pension & Benefit Claimants CIC Terms and Conditions

1. Acceptance of Terms and Conditions

These terms and conditions govern your use of Association of Pension & Benefit Claimants CIC., as provided by Association of Pension & Benefit Claimants CIC. We may amend or add to these terms and conditions without notice to you, so please check them periodically.

2. Registration

When you register with the Association of Pension & Benefit Claimants CIC website you are stating that you are over 18 years of age or are a minor, aged over 16, with parental consent to use the service you are registering for. You agree that any information you provide to us about yourself upon registration or at any other time will be true, accurate and complete.

You must keep the password which you use to access Association of Pension & Benefit Claimants CIC. [www.abcorg.net] confidential and must not disclose it to or share it with anyone. You will be responsible for all activities that occur under your password.

3. Privacy

Click here to read our privacy policy, which forms part of these Terms and Conditions.

4. Association of Pension & Benefit Claimants CIC Newsletters

On registering you can agree to receive an Association of Pension & Benefit Claimants CIC newsletter by email when these are created. If you do not wish to receive these newsletters then you can choose not to. You can unsubscribe from the mailing list at any time.

5. Submission of Listings & Comments

By adding a listing or comment to the site, you agree to comply with the following terms:

(a) Association of Pension & Benefit Claimants CIC reserves the right in its absolute discretion at any time to edit, alter, delete or move any material, such as listings or comments added by Association of Pension & Benefit Claimants CIC and you. Association of Pension & Benefit Claimants CIC will not enter into any discussions about its decision to edit, alter, delete or move such material.

(b) Association of Pension & Benefit Claimants CIC reserves the right to share material, such as the content of listing and comments with other organisations who may also publish the material.

(c) Association of Pension & Benefit Claimants CIC reserves the right to email you from time to time if you have indicated that you are the owner of the business, group or event.

Images in listings and comments:

(a) The member must submit only his/her own original images and agrees and confirms that this will not infringe the copyright or any other rights of any third party.

(b) The photo should be of sufficient quality to publish.

(c) Association of Pension & Benefit Claimants CIC reserves the right to edit any photo.

(d) If your photo contains what appears to be illegal conduct, Association of Pension & Benefit Claimants CIC may notify law enforcement authorities.

6.  Advert booking conditions

Although Association of Pension & Benefit Claimants CIC is a free service, our advertising slots incur a charge. Prices and terms of paid advertising are clearly disclosed prior to booking your advert. Please take care when booking your adverts as they are non-refundable.

All adverts are paid for at time of booking. Prices may change from time to time and we may not give notice.

Association of Pension & Benefit Claimants CIC reserves the right to cancel any ad bookings that it feels are not appropriate for the site or are in conflict with any services the site offers. No refund will be given for adverts that contravene our terms and conditions.

Association of Pension & Benefit Claimants CIC reserves the right to email you from time to time with relevant information, if you have indicated that you are the owner of the business, group or event.

Privacy Policy - We do not store credit card details nor do we share customer details with any 3rd parties.

7. Intellectual Property

All copyright, trademarks (registered or unregistered) and other intellectual property rights of whatsoever nature arising from all materials, content and information on this site, including the site's design, layout and organisation, are owned or licensed by Association of Pension & Benefit Claimants CIC.

Except where stated, none of the material may be copied, reproduced, distributed, republished, downloaded, displayed, posted, or transmitted in any form by any means, including but not limited to, electronic, mechanical, photocopying, recording or otherwise without the prior written permission of Association of Pension & Benefit Claimants CIC.

Permission is granted to access, download, or print such material for your personal, non-commercial use only and is subject to these terms and conditions.

By submitting content to Association of Pension & Benefit Claimants CIC, including your first name, you grant Association of Pension & Benefit Claimants CIC. a right to use, reproduce, modify, and publish it in other works. You also permit any member to access, display, view, and store and reproduce such content for personal use.

8. Third Party Web Sites, Goods and Services

Association of Pension & Benefit Claimants CIC [www.abcorg.net]  provides links to third party web sites. We make no representations as to the quality, suitability, functionality or legality of any sites to which we may provide links, or any goods or services available from such sites.

All matters concerning any goods and services that you purchase from a third party site, including without limitation all contract terms are solely between you and the owner of that site and Association of Pension & Benefit Claimants CIC will not be liable for any costs or damages to you or any third party arising directly or indirectly out of any third party website. You hereby waive any claim you might have against Association of Pension & Benefit Claimants CIC with respect to any such sites.

9. Disclaimer of Warranties

Association of Pension & Benefit Claimants CIC is providing this site on an 'as is' basis and makes no representations or warranties of any kind with respect to this site or its contents and disclaims all such representations and warranties. 

The content on the site and forum has been included in good faith.   The Content may contain inaccuracies or typographical errors.  Whilst Association of Pension & Benefit Claimants CIC endeavours to ensure that the information on this site is correct, no warranty, express or implied, is given as to its accuracy and Association of Pension & Benefit Claimants CIC does not accept any liability for error or omission.

In particular, the support and information in the forum and site does not constitute any form of advice, recommendation or arrangement by Association of Pension & Benefit Claimants CIC and is not intended to be relied upon by users in making (or refraining from making) any specific decisions or to be a substitute for obtaining professional advice.  You should consult a doctor, health or appropriate professional if you require specific advice.

You are responsible for checking the accuracy of relevant facts and opinions given on the site before entering into any commitment or taking any other form of action or inaction based upon them.

Association of Pension & Benefit Claimants CIC does not represent or guarantee the truthfulness, accuracy or reliability of postings submitted by users, moderators and parent supporters on the forum, or endorse any opinions expressed by users, moderators or parent supporters.

All conditions, warranties, terms and undertakings express or implied statutory or otherwise in respect of the provision of the Content and the Site are excluded to the fullest extent permitted by law.

10. Limitation of Liability

Neither Association of Pension & Benefit Claimants CIC, nor any of its directors, employees or other representatives will be liable for loss or damage arising out of or in connection with your use of this site or any information contained in it. This is a comprehensive limitation of liability that applies to all damages of any kind, including (without limitation) compensatory, direct, indirect or consequential damages, loss of data, income or profit, loss of or damage to property and claims of third parties.

You agree to indemnify and hold Association of Pension & Benefit Claimants CIC and its directors, employees and agents harmless from any claim or demand made by any third party due to or arising from your use of the Site

11. Breach of these Terms

Association of Pension & Benefit Claimants CIC  will be entitled to restrict, suspend or terminate your membership or deny you access to Association of Pension & Benefit Claimants CIC.com or take such other action as Association of Pension & Benefit Claimants CIC deems appropriate if Association of Pension & Benefit Claimants CIC determines, in its sole discretion, that you are in breach any of the Terms and Conditions or that your use of Association of Pension & Benefit Claimants CIC website is inappropriate or otherwise unacceptable.

The restriction, suspension or termination of our service pursuant to this section will be without prejudice to any rights which Association of Pension & Benefit Claimants CIC may have against you in respect of your breach of these Terms and Conditions.

Association of Pension & Benefit Claimants CIC shall be entitled to disclose your user identity and details if required or requested by the courts or other law enforcement authorities and/or agencies or in such other circumstances as Association of Pension & Benefit Claimants CIC in its sole discretion considers reasonably necessary or appropriate.

12. Indemnification

You agree to indemnify and hold each of Association of Pension & Benefit Claimants CIC , its directors, sponsors, representatives, employees and contractors, harmless from any claim or demand, including reasonable solicitors fees, made by any third party due to or arising out of your use of Association of Pension & Benefit Claimants CIC.com, the violation of these Terms and Conditions by you, or the infringement by you, or any other subscriber of your account, or of any intellectual property or other right of any other person or entity.

13. Applicable Law

These Terms and Conditions shall be governed by and construed in accordance with the laws of England and any dispute shall be subject to the exclusive jurisdiction of the English courts.

14.   Miscellaneous

Any failure or delay by us to enforce strict performance by you of any of the Terms and Conditions or to exercise any right under the Terms and Conditions will not be construed as a waiver to any extent of our rights.

These Terms and Conditions and the Privacy Policy constitute the entire understanding between you and us as to your use of Association of Pension & Benefit Claimants CIC.com and supersede all prior agreements and understandings between us and you.