The Art of Pensions Information

About Pendragon

Our principal activity is the publication of Perspective, the leading pensions legal and regulatory information service in the UK.

Pendragon is a Wilmington Publishing & Information Limited business. Registered in England, No. 03368442. Registered Office: 6–14 Underwood Street, London N1 7JQ. VAT No. GB 899 3725 51.

Copyright Notice

All the contents of this site are copyright and the copyright is owned by Pendragon and others. You may view the content of this site and may print off one or two entries for personal non-commercial use. Apart from this, you may not, in any media, copy, print, reproduce, extract, store, publish, process, distribute or incorporate any of the contents of this site without our written consent. All rights in the contents are reserved.

Terms and Conditions of Use of the Site

1 This site and its contents are provided for the purposes of entertainment. It is not intended to contain information that is to be relied on by users. You should not act upon any information provided on this site without taking suitable independent advice from a qualified expert in the appropriate field.

2 The views expressed on this site are not necessarily our views, nor necessarily the views of the authors of those views, and are probably not the views of the organisations or employers of the authors.

3 Pendragon accepts no responsibility for any loss or harm that may occur from reliance on information contained on this site. No representations or warranties are made as to the accuracy or completeness of the information contained on this site.

4 This site may provide links to other internet sites but no liability is accepted in connection with any such site.

5 Users accessing or downloading material from or through this site do so entirely at their own risk. (Please also see the Copyright Notice above.)

6 Use of this site constitutes acceptance of English law and submission to the jurisdiction of the English courts in respect of any matter arising from such use.

Terms and Conditions of the Competition

1 The Art of Pensions competitions are open to UK residents aged 18 or over only. Pendragon employees and those engaged with the conduct of, and the publicity surrounding, a competition may enter the competition but will not be eligible for entry into categories where the winner is selected by Pendragon or by a panel of one or more judges selected for Pendragon.

2 In the case of categories where the winners are chosen by attendees at a specific event or by a panel of one or more judges selected by Pendragon, Pendragon reserves the right not to enter (that is, to put forward to the attendees or the judges) any entry received by it on any ground.

3 Pendragon reserves the right not to accept, enter or select for publication an entry on any ground. For example (and without prejudice to the generality of the foregoing) if in the view of Pendragon the entry is illegible, is offensive, defamatory, illegal or similar, will not reproduce well, is not up to the requisite standard, or there is not adequate space or resources for publication etc. it may not accept, enter or publish the entry.

4 In the case of any disputes regarding a competition or these rules, or the rules of a specific competition, the decision of Pendragon and or a judge or judges will be final and binding, and no correspondence will be entered into.

5 Pendragon will publish all or a selection of the entries received in any competition in such form, and whether in hard copy or electronic copy, as it may choose. Publication may include catalogues, internet sites, books, press releases, mailings, newsletters etc and Pendragon may permit the publication of entries in magazines, journals, newspapers, internet sites, books, etc.

6 The closing date for each competition will be notified with entry packs and will be available from the email address above. Pendragon reserves the right, but has no obligation, to accept individual entries after the closing date. Proof of posting of an entry is not proof of receipt by Pendragon.

7 In consideration of Pendragon agreeing to consider entries to the Competition, each entrant hereby assigns to Pendragon the complete copyright, which shall be for the full period of copyright, and all other rights in his or her entry. Pendragon shall be free to assign such rights to third parties and the entrant shall take all steps reasonably requested by Pendragon to vest the copyright in Pendragon.

8 By entering the competition, you warrant that the entry is entirely your own work or that all the authors of the work agree to your entering the competition with the entry on the terms of the competition.

9 Winners may be obliged to take part in publicity associated with winning the competition and the presentation of any prize.

10 By entering this competition you agree to be bound by its terms and conditions. The competitions and these rules are governed by English Law.

Privacy Statement

1 This privacy policy covers the Pendragon www.ArtofPensions.com site.

2 You can access our site and browse it without disclosing any personal data.

3 If you ask us for an entry pack for the Art of Pensions competition, you will need to provide certain information. The information that we collect for this purpose is your name and the name of your organisation/employer, contact information and whether or not you work in the pensions field.

4 Pendragon is the sole owner of the information collected on this site. We do not sell, share, or transfer this information except as set out here. We use your information for the administration of the Art of Pensions competition, and the publication of its entries and winners, to improve our marketing and for general administration. We may employ the services of a third party to help us in certain areas, such as site hosting, graphic design and printing. In some cases that third party may receive your information. However, at all times Pendragon, will control and be responsible for the use of your information.

5 We may, from time to time, send you mailings that you have requested or that we feel may interest you and/or are relevant to your business. Such mailings may include details of our products and services; newsletters; briefing notes, press releases; and invitations to our various seminars and other events.

6 Our site does not enable visitors to communicate with other visitors or to post information to be accessed by others.

7 Our site may contain links to other sites. Please note that we are not responsible for the privacy practices of other sites. This privacy statement applies solely to this site.

8 We do not use cookies on this site. We may use IP addresses or hostnames for statistical analysis of the usage and users of this site. IP addresses and hostnames are not generally linked to personal information identifying individuals but in certain circumstances may do so indirectly.

9 We take all appropriate steps to protect your information both online and off-line. If you would like information on our security procedures please contact us at the email address above.

10 If your personal information changes or if you no longer wish to receive our service, please let us know by emailing us at the address above and we will correct, update or remove your details. You may also request a copy of any data we hold about you by writing to the Pendragon Managing Director, Pendragon at the address above and enclosing a cheque made out to Pendragon in the sum of £10 to cover part of our administrative costs.

11 By using our site and asking for an entry pack you consent to us collecting and using your personal information as explained above. If we change or modify this privacy policy we shall post any amendments to this page.