Terms & Conditions

These General Terms and conditions

Last updated: May 23, 2018

These General Terms and Conditions and Privacy Policy (“Terms”, “Terms of Use”) regulate the use of all web pages of the websites owned by The Association of Pensions & Benefits Claimants CIC (“The Association of Pensions & Benefits Claimants CIC ”, “us”, “we”, or “our”), available at the domain The Association of Pensions & Benefits Claimants CIC .com and their respective subdomains (the “Websites”), as well as mutual rights and obligations regarding provision and use of services, materials, functionalities and other content available through the Websites.

These Terms apply to all users of the Websites. By accessing or using the Websites for the first time, the user acknowledges its contents, and fully understands and agrees to the rights and obligations arising from the use of services, materials, functionalities and other content available through the Websites. If you do not accept any of these Terms, please do not use the Websites.

Specific terms may also apply to the use of certain services, materials, functionalities and other content available through the Websites, of which the users shall be informed in an appropriate manner.

We reserve the right to modify or append the Terms, unilaterally, at any time and without prior notice, of which all users shall be duly informed by means of an appropriate notice on the Websites. You are obliged to review the Terms periodically, in order to check for possible modifications or additions. By using the Websites after modifications or additions to these Terms have been made, you fully acknowledge, understand and accept the content thereof. Furthermore, we reserve the right to modify the content, design or location of the Websites, as well as the services, materials, functionalities and other content available through the Websites, unilaterally, at any time and without prior notice. We cannot be held responsible for any damage caused to users or third parties related to the above described modifications.

OUR COMPANY

THE ASSOCIATION OF PENSIONS & BENEFITS CLAIMANTS CIC

25, Avignon Close

Mountbatten Estate

Colchester

Essex

CO2 8YH

United Kingdom

Phone: +44(0)1206 509623

Email: This email address is being protected from spambots. You need JavaScript enabled to view it.

Company Number: 07994424

VAT: Not registered

ACCEPTANCE OF THESE TERMS

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.

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.

Communication and disclosure of personal data to third parties

Your personal data shall not be disclosed to third parties without your express consent, except under legal obligation. More specifically, your personal data shall not be transmitted or provided to third parties outside the European Union without your express consent, except under legal obligation.

The personal data you provided may be transmitted to our related companies and/or partners when this is deemed necessary for the purpose of maintaining and managing the Websites and for the purpose of provisioning our products and services. In such cases, we shall ensure that our partners and/or related companies take over the responsibility to protect personal data to an extent equal to that guaranteed in these Terms.

Your personal data (including your email) will never be shared with any third parties for marketing purposes.

Which personal data do we collect?

Types of data that we collect for specified purposes are: your name, phone number, business data elated to the implementation of standards, IP address, and email address.

Purpose and manner of personal data collection and use

The Association of Pensions & Benefits Claimants CIC collects and processes personal data in accordance with the provisions of the Personal Data Protection Act and other regulations in force in the European Union.

Your personal data are processed only on the basis of your approval a free and express consent to process your personal data for the purposes related to the use of the Content available through the Websites. Your consent for the collection and processing of your personal data for a given purpose shall be requested when completing the appropriate form published on the Websites.

Your personal data shall be used in order to provide Content, reply to queries concerning the Content available on the Websites, and inform you about the existing and new content, materials, functionalities, services and other offers that may interest you, and in order to improve the quality of the Content and the Websites.

All collected data are electronically stored, and appropriate measures and procedures are applied in order to prevent unauthorized access, maintain the level of personal data protection and use the data collected online in a correct manner.

Even though we take all appropriate measures to ensure against unauthorized disclosure of your personal data, we cannot guarantee that some of the collected personal data shall never be disclosed in a manner that is not in accordance with these Terms. Accidental disclosure may be, for example, a consequence of false misrepresentation when accessing websites that contain such data, with the purpose of correcting possible errors in the data.

We shall not be liable, to the fullest extent permitted by law, for any damage caused to users or third parties relating to accidental disclosure of personal data.

ASSOCIATION OF PENSION & BENEFITS 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.

SUBMISSION of LISTING AND 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.

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

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 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.

INTERLECTUAL 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.

Communication and disclosure of personal data to third parties

Your personal data (including your email) will never be shared with any third parties for marketing purposes.

Which personal data do we collect?

Types of data that we collect for specified purposes are: your name, phone number, business data elated to the implementation of standards, IP address, and email address.

Purpose and manner of personal data collection and use

Modification and deletion of personal data

You are legally entitled to access, request modification, restriction or deletion of your personal data and data portability. Modification or deletion of data shall be affected based on an appropriate notice addressed to the contact identified on the Websites.

Or by email to This email address is being protected from spambots. You need JavaScript enabled to view it.

USE OF THE WEBSITE

It is not allowed (hereinafter: Prohibited Practices):

to use the Websites or content available through the Websites in a manner which may cause damage to The Association of Pensions & Benefits Claimants CIC, other users or any third party;
to publish, upload, exchange or transmit Prohibited Content;
to publish, upload, exchange or transmit any content that the user knows to be false or untrue, or has justifiable reason to believe it to be false or untrue, and whose use may cause damage to The Association of Pensions & Benefits Claimants CIC, other users or third parties;
to misrepresent yourself with the purpose of deceiving The Association of Pensions & Benefits Claimants CIC, other users or third parties;
to publish, upload, exchange or transmit to The Association of Pensions & Benefits Claimants CIC, other users or third parties any unwanted notices or other content of commercial or malicious nature, without prior request or consent, particularly including notices and other content of the same or similar nature;
to purposefully publish, upload, exchange or transmit any content containing computer viruses, worms, and programs that may obstruct or hinder regular operation of the Websites, cause damage or destruction of any computer program, or any computer and other equipment owned by The Association of Pensions & Benefits Claimants CIC, other users or third parties;
to collect, process or use personal data of the Websites users or third parties in an unauthorized manner;
to engage in overt or covert advertising (verbal or graphic representation of products, services, personal names, names of companies, names, trademarks (registered or unregistered trademarks and service marks), businesses etc.) in an unauthorized manner.

Users or third parties shall be legally liable for failure to comply with the provisions of these Terms related to Prohibited Practices or Prohibited Content, particularly for possible damage caused by such actions to The Association of Pensions & Benefits Claimants CIC, other users and/or third parties.

Content available through the Websites in any form, especially that in the form of documents, photographs, images, drawings, diagrams, charts, audio and visual materials, etc., are protected by copyright and other intellectual property rights according to the legal provisions in force.

The Websites contain names of natural and legal persons, names of products or services, trademarks, logos, pictures, graphics and other content subject to the protection of intellectual property rights (hereinafter: Protected Content) held by The Association of Pensions & Benefits Claimants CIC and/or third parties. Access to or use of the Websites or the Contents does not grant any license, right to use, right to exploit, or any other right related to Protected Content, except to the extent and in the manner explicitly specified in the provisions of these Terms or a corresponding separate contract.

It is not allowed:

to download, reproduce, copy, distribute, lease, provide for use, publish, communicate to unauthorized third parties or public, or use Content in any other way for commercial purposes, without written consent previously granted by The Association of Pensions & Benefits Claimants CIC;
to alter, modify, edit, translate, or create derived works from any Content available through the Websites for commercial purposes, without written consent previously granted by The Association of Pensions & Benefits Claimants CIC;
to use Content available through the Websites for purposes related to selling or offering for sale, advertising or promotion of any product or service by any person.

If we independently discover a violation of copyright and/or other intellectual property rights, trade secret or other rights of users or third parties, or any other violation of these Terms, or if we are informed by a user or third party of any such violation, or if we receive a request for the removal of a Content, Link, Protected Content or Interactive Content, we shall immediately take all necessary measures to establish grounds for such request and elimination of possible violation.

CONTENTS OF THE WEBSITES

PROHIBITED CONTENT

It is prohibited to publish, transmit, upload or exchange any content violating the current laws of the European Union, particularly the content that is untrue, deceptive, offensive, vulgar, threatening, racist or chauvinist, the content violating intellectual property rights, the content considered as unauthorized disclosure of personal data or as violation of the right of privacy of users or third parties, as well as any other content which may cause damage to The Association of Pensions & Benefits Claimants CIC , other users or third parties (“Prohibited Content”).

Interactive Content

For any comments or information regarding the Content please contact the Association of Pensions & Benefits Claimants CIC HQ.

In consequence of the above, we cannot be held responsible for possible damage caused to users or third parties regarding publishing or failure to publish, removing, using, or relying on any Interactive Content.

LINKS TO THIRD PARTY WEBSITES, GOODS and SERVICES

The Websites contain links to third party websites (“Links”). The Links shall be duly marked, whenever this is enabled by the manner of their publication or use.

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.

We shall not control or supervise content available through the Links and therefore we cannot guarantee the accuracy, truthfulness, origin, contents, or availability thereof.

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.

For any comments or information regarding the Links please contact the Association of Pensions & Benefits Claimants CIC HQ.

We reserve the right to use cookies.

A cookie is a group of data serving as your anonymous individual identifier that is sent to your browser by websites. Cookies are sent when you access a website, they are stored in your computer and they serve to record information about your subsequent online visits. Therefore, after a cookie has been stored on your computer during your first access to a website, every time you return to the website it will look for its cookie in order to read the stored data.

Since a cookie is an anonymous individual identifier, it does not contain or send any personal information to the website that stored it on your computer, but only enables faster and more efficient activation of information, data and settings previously communicated during access and use of the website.

Your browser is set in such a way that each website can only access its own previously sent cookies, but not the cookies of other websites.

The Options or Settings menu of your browser allows you to select an appropriate option for receiving cookies, even to disable them completely. However, disabling cookies completely will reduce the efficiency of some contents available on some websites.

LINKS TO THIRD PARTY WEBSITES, GOODS and SERVICES

DISCLAMER OF WARRENTIES

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.

LIMITATION OF LIABILITIES

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

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.

INDEMIFICATION

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

APPLICABLE LAW

These Terms shall be governed and construed in accordance with the laws of the United Kingdom and European Union, without regard to its conflict of law provisions.

Our failure to enforce any right or provision of these Terms will not be considered a waiver of those rights. If any provision of these Terms is held to be invalid or unenforceable by a court, the remaining provisions of these Terms will remain in effect. These Terms constitute the entire agreement between us regarding our Websites and supersede and replace any prior agreements we might have between us regarding the Websites.

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.

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