website terms of use.

Below you will find the legal and privacy notices for the Rowanmoor website. Please read these policies carefully before using this site.

Any reference to “we”, “our” or “us” in this statement means Rowanmoor. Rowanmoor is a trading name of the Embark Group. Rowanmoor administers small registered pension schemes, known as small self-administered schemes (SSASs) and Family Pension Trusts (Family SIPPs) and individual member directed pension arrangements known as self-invested personal pensions (SIPPs). Rowanmoor also offers actuarial services, scheme practitioner services for SSAS trustees with scheme administrator responsibilities, scheme accountancy services and some non-registered pension schemes, known as Employer Financed Retirement Benefit Schemes (previously referred to as Funded Unapproved Retirement Benefits Schemes (FURBS)).

Corporate information

Rowanmoor is a trading name of Rowanmoor Executive Pensions Limited registered number 05792242 , Rowanmoor Personal Pensions Limited registered number 02268900 and Rowanmoor Trustees Limited registered number 01846413 .  All of these are registered in England at Rowanmoor House, 46-50 Castle Street, Salisbury, SP1 3TS and are wholly owned subsidiaries of Embark Group Limited.  Rowanmoor Personal Pensions Limited is authorised and regulated by the Financial Conduct Authority (FCA) under reference number 458260.  The provision of Small Self-Administered Schemes (SSAS) and trustee and/or administration for SSAS are not regulated by the FCA.  Therefore, Rowanmoor Executive Pensions Limited and Rowanmoor Trustees Limited are not regulated by the FCA in relation to these schemes or services.

Rowanmoor Personal Pensions Limited is the scheme Administrator and scheme Operator for schemes established as a Rowanmoor Family Pension Trust and for the Rowanmoor SIPP and is authorised and regulated by the Financial Conduct Authority (Financial Services Register number 458260). Rowanmoor Trustees Limited is the independent trustee for all Rowanmoor Family Pension Trusts and Rowanmoor SIPPs.

Rowanmoor Personal Pensions Limited belongs to the Financial Services Compensation Scheme (FSCS). Details of the FSCS can be found on the FSCS website.

The FCA’s Financial Services Register can be accessed here.

Jurisdiction for use

This website is intended for use only by those who can access it from within the UK. Products and services advertised on these pages are only available to UK companies and to individuals who have the right to contribute to a UK registered pension scheme.

Governing law

This site is governed by the laws of the country of the UK within which you reside and any dispute or action arising out of this site shall be determined in accordance with such laws.

Intellectual property rights

‘Intellectual Property Rights’ mean any patents, copyright, database rights, design rights, registered designs, trade marks or service marks, trade names or know how (whether registered or not) and all rights or forms of protection of a similar nature existing anywhere in the world.

All Intellectual Property Rights on our sites are owned by or licensed to Rowanmoor, and may not be reproduced or copied except as set out below.

Copyright and trademark

The contents of our sites are © Rowanmoor. The reproduction of any material present on this site is prohibited, except for that which is specifically provided for download purposes.

The material on our websites may not be posted to bulletin boards, newsgroups or related sites.

Rowanmoor and its logos are registered trademarks and protected by Copyright. Please contact our Marketing Department for approval to publish any references to Rowanmoor, or one of its logos.

Hypertext links

Certain hypertext links on this website may lead you to websites not under the control of Rowanmoor. When you click through you are likely to leave the Rowanmoor website. These links are provided solely for your convenience and do not represent any endorsement or recommendation by Rowanmoor.

Rowanmoor accepts no responsibility or liability for the contents of any website to which a hypertext link exists and gives no representation or warranty as to the information on such websites. Rowanmoor accepts no responsibility or liability for any loss arising from any contract entered into with any website to which a hypertext link exists.

Please note that clicking through to an external site and the Rowanmoor website, is at your own risk and Rowanmoor is not responsible for the privacy practices adopted by external sites.

No links may be created to our sites without the express prior written consent of Rowanmoor.

Liability

Rowanmoor excludes all liability whatsoever for any loss or damage howsoever arising to the full extent lawfully permitted, as a result of the use of our websites or reliance on any of their contents. Loss includes all losses, claims, liabilities, costs expenses (including legal fees) and damages of any sort whatsoever and whether or not reasonably foreseeable or avoidable. We also exclude all liability for any loss or damage resulting from any attack on our systems by a third party, or for any computer virus, or other malicious or technologically harmful material that may cause your computer equipment, computer programs, data or other proprietary material to be infected due to your use of our sites.

General Disclaimers

This website is not, and should not be construed as, an offer to sell or invitation to buy, or the solicitation of any offer to buy any investments, securities or other products or services. The information and opinions provided are for guidance only and are not intended as investment, tax, legal or accounting advice to you. The information and opinions should not be relied on as authoritative or definitive and whilst they have been compiled in good faith, there is no representation or warranty, express or implied, as to their accuracy or completeness. They should not be used as the basis of any decision nor as a recommendation of the products and services referred to on this website, nor their suitability. Use of our website cannot be a substitute for taking your own advice about your particular circumstances. Rowanmoor’s schemes are complex in their nature and you are recommended to seek advice from a recognised investment professional before making any decision to apply for one of our products.

Rowanmoor does not guarantee the availability of its sites. The sites may be temporarily unavailable, or restricted in terms of content and access. Rowanmoor will not be liable for any loss or damage arising from or in connection with the loss of availability of all or part of any site. Rowanmoor accepts no liability for any loss that may arise if the products or services advertised within its websites become unavailable.