Website Terms of Use

EFFECTIVE DATE: 13th December 2022

PLEASE READ THESE TERMS CAREFULLY BEFORE USING OUR WEBSITE OR SERVICES.  These terms of use (“Terms”) apply to your access to and use of, including the websites and your subscription to our newsletter (collectively, the “Services”), which are owned and operated by Age A.G. (UK) Ltd, either directly or through one of its subsidiaries (“AgeGroup”, “we”, or “us”). By accessing or using our Services, you confirm that you accept these Terms and agree to comply with them. If you do not agree to these Terms, you may not use our Services and must not access our website. As part of your use of and the Services, there may be other terms that apply to you and to which these Terms refer, including:

  • Our Privacy Policy. This policy explains how we collect, use, and share information we collect about you when you use and our Services.
  • Our Cookies Policy. This policy sets out information about the cookies we use on our website.

    1. Your Access to the Services

    Children under the age of 18 are not permitted to access our website or subscribe to the newsletter. By accepting these Terms, accessing, or using the Services, you confirm you are over the age of 18.

    2. Your Use of the Services

    We grant you a personal, non-transferable, non-exclusive, revocable, limited license to use our website and access the Services solely as permitted by these Terms. We reserve all rights not expressly granted to you by these Terms. Except as permitted through the Services or as otherwise permitted by us in writing, your license does not include the right to:

    • license, sell, transfer, assign, distribute, host, or otherwise commercially exploit the Services, our website, or any content made available through our website or the Services;
    • modify, prepare derivative works of, disassemble, decompile, or reverse engineer any part of the Services; or
    • access the Services or any content made available through our website in order to build a similar or competing website, product, or service, unless otherwise agreed to or licensed by us.

    Specifically, you are not permitted to use this website (including any webpage and/or data that passes through our web domain), domain names, URLs, databases, functions, or its content other than for private, non-commercial purposes. The use of any automated system, software, or manual process, whether operated by a third party or otherwise, to extract any data from this website for commercial purposes (“scraping”) is strictly prohibited. We reserve the right to modify, suspend, or discontinue the Services (in whole or in part) at any time, with or without notice to you. Any future release, update, or other addition to functionality of the Services will be subject to these Terms, which may be updated from time to time. You agree that we will not be liable to you or to any third party for any modification, suspension, or discontinuation of the Services or any part thereof.

    3. Subscribing to Our Newsletter

    As part of our Services, you may subscribe to our newsletter for free. Where you do, you agree that we may use your preferences to send you selected promotional material from our partners based on those preferences. For further details on how we use your personal data, please see our Privacy Policy.

    4. Our Content

    Our website and Services may contain information, text, links, graphics, photos, videos, or other materials (“Content”). We are the owner or the licensee of all intellectual property rights in our site, the material published on it, and the Content. Those works are protected by copyright laws and treaties around the world. All such rights are reserved. You may print off one copy and may download extracts of any page(s) from our site for your personal use, and you may draw the attention of others within your organization to Content posted on our site. 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. Our status (and that of any identified contributors) as the authors of Content on our site must always be acknowledged. You must not use any part of the Content on our site for commercial purposes without obtaining a license to do so from us or our licensors. If you print off, copy or download any part of 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.

    The Content on our site is provided for general information only. It is not intended to amount to any legal or professional advice on which you should rely and should not be treated as such. You must obtain professional or specialist advice before taking, or refraining from, any action on the basis of the content on our site. Although we make reasonable efforts to update the information on our site, we make no representations, warranties, or guarantees, whether express or implied, that the content on our site is accurate, complete, or up to date. Certain details of the Content, such as prices and special offers, are dynamic and subject to change at any time.

    5. Third Party Content, Advertisements, and Promotions

    Our website or Services contain links to other third-party websites, resources, products, or services, which may be posted by our affiliates, advertisers, and partners (“Third Party Content”). Third Party Content is not under our control, and such links should not be interpreted as approval by us of such Third Party Content; we are not responsible and accept no liability for any such Third Party Content. It is your responsibility to read the terms of use and privacy policy of any third party before engaging with said third party.

    By using the Services you may be exposed to Third Party Content that is inaccurate, offensive, or objectionable. It is your choice whether or not to interact with the relevant third party and view its Third Party Content. Your use of and reliance upon Third Party Content is at your sole discretion and at your own risk. We are not responsible for and expressly disclaim all warranties regarding the accuracy, usefulness, appropriateness, safety, or intellectual property rights of, or relating to, any Third Party Content.

    Our Services contain online resources that are intended to offer helpful content. We may accept compensation from companies that are presented in some of this content for sponsored Third Party Content or advertisements. Such compensation could include, for example, a fee each time our users click on a third party's link or purchases a product or service offered by it. The type, degree, and targeting of advertisements are subject to change, and you acknowledge and agree that we may place advertisements in connection with the display of any Content or information on the website or Services. Our listing of companies does not imply endorsement. In addition, we do not feature all of the relevant companies that may be relevant to the content's subject matter.

    6. Things You Cannot Do On Our Website

    Our website and Services are for information purposes. You may only use the website and Services for lawful purposes, and you will not:

    • Use the Services in any way which breaches any applicable local, national, or international law or regulation or in any way that is unlawful or fraudulent;
    • Attempt to gain unauthorized access to the Services (or to other computer systems or networks connected to or used together with the Services);
    • Knowingly transmit any data, send or upload any material that contains viruses, Trojan horses, worms, time-bombs, keystroke loggers, spyware, adware, or any other harmful programs or similar computer code designed to adversely affect the operation of any computer software or hardware.
    • Act in any manner that could interfere with, damage, disrupt, negatively affect, or inhibit other users from fully enjoying the Services or that could damage, disable, overburden, or impair the functioning of the Services in any manner.

    7. Copyright

    We respect the intellectual property of others and require that when using our website and Services you do the same. Specifically, when using our website or Services you agree not to:

    • Act in any way which would infringe any person or entity's intellectual property or any other proprietary rights;
    • Reproduce, duplicate, copy or re-sell any part of our website or Services unless otherwise agreed by us pursuant to a licensing agreement. In particular, we prohibit:
      • the use of any automated system, software, or manual process, whether operated by a third party or otherwise, to extract any data from this website for commercial purposes (“scraping”); and,
      • any attempt to harvest, collect, gather or assemble information or data regarding the website, the Services, the Content, or any other user of the Services.

    8. Breach of our Terms

    We take all breaches of our Terms seriously, and if we do consider that a breach of these Terms has occurred, we may take such action as we deem appropriate, which may extend to any one or all of the following:

    • The immediate suspension or permanent removal of your right to use our website and Services;
    • Issuing a warning to you;
    • Legal action against you, which may extend to legal proceedings against you for reimbursement of all costs on an indemnity basis (including, but not limited to, reasonable administrative and legal costs) resulting from the breach; and

    • Disclosure of such information to law enforcement authorities as we reasonably feel is necessary or as required by law.

    We exclude our liability for all action we may take in response to breaches of our Terms. The actions we may take are not limited to those described above, and we may take any other action we reasonably deem appropriate.

    9. Indemnity

    To the greatest extent permitted by applicable law, you agree to defend, indemnify, and hold us (including our officers, employees, contractors, and agents), our licensors, and our third-party service providers (the “Indemnified Entities”) harmless, including costs and attorneys’ fees, from any claim or demand made by any third party due to or arising out of your use of the website or our services. We reserve the right to control the defense of any matter for which you are required to indemnify us, and you agree to cooperate with our defense of these claims.

    10. No Warranty

    Our Content and Services are intended to assist you, including in connection with financial decisions, and do not consider your personal financial situation. Your personal financial situation is unique, and the information and advice may not be appropriate for your personal situation. Therefore, before making a financial decision, we urge you to obtain additional advice from financial advisors who are fully aware of your individual conditions.

    We do not make any warranties or representations regarding the rates, terms, fees, or services offered or made available by third parties that are featured in the Service. In addition, we do not guarantee that such rates, terms, fees, or services are the best available.

    Our website and the services are provided on an "as is" and "as available" basis without warranties of any kind, either express or implied, including, but not limited to, implied warranties of merchantability, fitness for a particular purpose, and non-infringement. AgeGroup, its licensors, and its third-party providers do not warrant that the services are accurate, complete, reliable, current, or error-free. While we do make every effort to ensure that your access to and use of our website and services is safe, we do not represent or warrant that our services or servers are free of viruses or other harmful components. AgeGroup has no responsibility for, and does not endorse, or take responsibility for any content available on or linked to the website or services or the actions of any third party.

    Your use and reliance on any of the Services or Content, including Third Party Content, or interaction with any third party featured on the Services or Content, is at your sole risk. You are solely responsible for reading, understanding and complying with the third parties' terms and conditions, and you hereby release us of any and all losses, damages, costs, or claims in connection with or arising from your use of a third party's services, including any fees that they may charge. If you have a dispute with any third party as a result of or arising from your use of the Services, you agree that we are not, and shall not be liable for any claims or damages arising out of or connected with such dispute.

    11. Limitation of Our Liability and Our responsibility for loss or damage

    We do not exclude or limit in any way our liability to you where it would be unlawful to do so. This includes liability for death or personal injury caused by our negligence or the negligence of our employees, agents, or subcontractors and for fraud or fraudulent misrepresentation. When you access our website and/or Services, you agree that you do so for domestic and private use only. You agree not to use our site for any commercial or business purposes, and we have no liability to you for any loss of profit, loss of business, business interruption, or loss of business opportunity. 

    In no event and under no theory of liability, including contract, tort, negligence, strict liability, warranty, or otherwise, will we be liable to you for any indirect, consequential, exemplary, incidental, special, or punitive damages or lost profits arising from or relating to these terms or the services, including those arising from or relating to content made available on the services that is alleged to be defamatory, offensive, or illegal. Access to, and use of, the services is at your own discretion and risk, and you will be solely responsible for any damage to your device or computer system or loss of data resulting therefrom. In no event will our aggregate liability exceed the greater of one hundred pounds (£100).

    12. Termination

    We may terminate your access to the website or Services at any time without a reason; in the unlikely event we take such steps, we will endeavor to notify you in advance. You may terminate these Terms at any time and for any reason by unsubscribing to our newsletter and discontinuing your use of all Services. The following sections will survive any termination of these Terms: 4 (Our Content), 6 (Things You Cannot Do On Our Website), 7 (Copyright), 9 (Indemnity), 11 (Limitation of Liability), 12 (Termination), 13 (Which Country’s Laws Apply to Any Disputes), and 15 (Miscellaneous), and such other terms which by their construction are intended to survive termination.

    13. Which Country’s Laws Apply to Any Disputes?

    Where you have an issue or dispute with us, you agree to first raise it with us and try to resolve it with us informally. These terms of use, their subject matter, and their formation are governed by English law. You and we both agree that the courts of England and Wales will have exclusive jurisdiction in relation to any proceedings brought pursuant to these terms.

    14. Changes to these Terms

    We may make changes to these Terms from time to time. Every time you use our website or Services, please check these Terms to ensure you understand the latest version which applies to you. Where we do make changes, we will post the amended Terms to our website and Services and update the Effective Date above, along with a summary of the changes. If the changes, in our sole discretion, are material, we may also notify you, either by sending an email to the address associated with your Account or by placing a prominent notice on our website. By continuing to access or use our website and the Services after we have made changes to our Terms, you agree to be bound by the revised Terms. If you do not agree to the revised Terms, you must stop accessing and using our Services before the changes become effective.

    15. Miscellaneous

    These Terms constitute the entire agreement between you and us regarding your access to and use of the Services. Our failure to exercise or enforce any right or provision of these Terms will not operate as a waiver of such right or provision. If any provision of these Terms is, for any reason, held to be illegal, invalid, or unenforceable, the rest of the Terms will remain in effect. You may not assign or transfer any of your rights or obligations under these Terms without our consent. We may freely assign these Terms.

    16. How to Contact Us

    You can contact us via email at