Legal Wording

This document contains important information regarding the use and content of this website (the “Website”).

This Website and its contents are operated and issued (unless indicated otherwise) by Broadstone. Broadstone is the trading name of Broadstone Corporate Benefits Limited and Broadstone Risk & Healthcare Limited.

See more at: /site-information/regulatory.aspx#sthash.6P8qDfb7.dpuf

Broadstone Corporate Benefits Limited is authorised and regulated by the Financial Conduct Authority under FRN 587699 to conduct investment business. It is a company established under the laws of England and Wales under company number 07978187.  Its registered office is at 55 Baker Street, London W1U 8EW.

Broadstone Risk & Healthcare Limited is authorised and regulated by the Financial Conduct Authority under FRN 308641.  It is a company established under the law of Scotland under company number SC191020.  Its registered office is at Suite 3/12, Falkirk Business Hub, Vicar Street, Falkirk FK1 1LL.

You can gain access to the rules and guidance notes of the Financial Conduct Authority (“FCA”) as well as the Financial Services Register at

References hereafter to "Broadstone", "us", "we" or "our" shall, as the context requires, refer to one or more of those companies.


The Broadstone Website,, is intended to provide information to clients, prospects and potential employees about our professional services and solutions.

1. Acceptance of terms and conditions

By using our Website, you are deemed to have accepted the following terms and conditions on each and every occasion you access the Website.  If you do not want to be legally bound by these terms and conditions, please do not access or use the Website. We reserve the right to change these terms and conditions at any time and you are advised to review these terms regularly to ensure you are aware of any changes. Your continued use of the Website after the terms and conditions have been changed will be deemed agreement on your part to such amended terms and conditions.

2. Intellectual Property

2.1  Copyright and all intellectual property rights in the content of the Website are vested in Broadstone and reserved, unless indicated otherwise. The content of the Website belongs to Broadstone unless indicated otherwise.  You may use the content of the Website subject to the following conditions:

(a) It is used for information purposes only;

(b) It is used only for your own personal, non-commercial use;

(c) Any copies or downloads of any content from the Website must include a notice that copyright in the relevant material is owned by Broadstone.

2.2 Except as expressly provided above, nothing contained on this Website should be construed as conferring any licence or right to use any trade mark or copyright of Broadstone’s or any third party.

3. Submission of comments and contributions to the Website and Broadstone’s Social Media networks

3.1 You may submit comments to Broadstone, including without limitation for publication on our social media networks.

3.2 Any comments submitted in connection with our social media networks are submitted on the basis that we will review and may edit such comments prior to publication on the Website, and that not all submissions will be published.  Publication is entirely at the discretion of Broadstone.  We accept no responsibility or liability in relation to the content of any material posted or published on this Website by third parties or in relation to contributions by third parties which we publish on the Website.  You are entirely liable for all activities conducted by you or by others authorised by you or otherwise on your behalf.

3.3 If, and to the extent that, you submit any personal data (such as your name and email address) to Broadstone through the social media networks, Broadstone confirms that it will only use any such personal data for the purposes for which you have provided it.

3.4 Any communications which we receive from you in connection with the social media networks and any material that you transmit or post or submit via this Website will be deemed non-confidential and non-proprietary and we reserve the right to use the content of such communications for any purpose whatsoever.  In relation to such contributions you grant us a perpetual, royalty-free, non-exclusive, sub-licensable right and license to use, reproduce, modify, adapt, edit, publish and exercise all copyright and publicity rights with respect to such work world-wide and/or to incorporate it in other works in any media now known or later developed for the full term of any rights that may exist in such content, consistent with the privacy restrictions set forth in the Privacy Policy.  If you do not wish to grant such rights to Broadstone please do not submit your contribution to this Website or our social media networks.  By submitting your contribution to this Website, you also:

(a) warrant that such contribution is your own original work and that you have the right to make it available to us for all the purposes specified above;

(b) warrant that such contribution is not defamatory, does not infringe the rights of any third party and does not infringe any law;

(c) agree to use this Website only for lawful purposes and in a manner that does not restrict or inhibit the use and enjoyment of this Web site by any third party. Prohibited behaviour includes, without limitation, conduct which is unlawful or which may harass or cause distress to any person and the submission or transmission of content which is defamatory, abusive, obscene, offensive, pornographic, indecent, discriminatory, inflammatory, in breach of confidence or privacy or which in the opinion of Broadstone may cause offence to any person or damage our reputation. You must not use any abusive or aggressive language, swear, threaten, harass or abuse any other person, including other users;

(d) agree to indemnify, defend and hold harmless Broadstone against any claim, liability, cost, damage, or loss we may incur (including without limitation legal fees) as a result of any violation by you of the provisions set out in this clause; and

(e) agree to waive any moral rights in your contribution for the purposes of its submission to and publication on the Website and other purposes specified above.

3.5 You must not intentionally violate any laws, rules or regulations.

3.6 No user must post nor recommend any other Website nor refer to specific URLs (Website addresses) where those linked Websites would infringe any of the above provisions.  No user must post any advertisement on the Website.

3.7 In using this Website, you agree not to impersonate another person or use a false name or a name you are unauthorised to use or create a false email address or try to mislead others as to the identity or origin of any communication.

3.8 You must not corrupt the site, flood the site with information so as to cause the site not to function or use anything which may affect the function of the site for example viruses, worms, logic bombs or similar.  You must not interfere or tamper with, remove, delete or otherwise alter in any way, any information which is included on the Website.

3.9 Broadstone reserves the right to fail any messages and/or remove any material whatsoever submitted to our social media networks or otherwise to the Website for any reason. Broadstone will not notify the contributor of the material of such failure or removal.

3.10 Broadstone reserves the right to take any action against any account or user, at any time, for any reason.  We may at our discretion terminate your access to the Website or to any registration area of the Website, or prevent you from submitting comments via the Website immediately and without giving you advance notice. If you engage in behaviour which breaches these terms and conditions, and we consider such behaviour to be serious and/or repeated, we may use whatever information is available to us to prevent further breaches.  If your access to the Website or to any registration area of the Website is terminated, you may not open another account with us or register again and we reserve the right to terminate any such account or cancel any such registration.

3.11 Should you have any complaint regarding any material published on the Web site, you can notify us of the nature and details of your complaint by contacting the person named below.

4. Registration to the Website

When you register, you are registering as a personal user of the Website and you must use your own identity.  You are obliged to provide accurate and complete registration information.  Registration is for a single user only.  Your username and password are personal to you and may not be used by anyone else to gain access to areas restricted to registered users.

5. Disclaimer and Limitation of Liability

5.1 The information contained in the Website has been carefully prepared, but it has been written in general terms and should be seen as broad guidance only.  The information cannot be relied upon to cover specific situations and you should not act, or refrain from acting, upon the information contained therein without obtaining specific professional advice.  Please contact Broadstone to discuss these matters in the context of your particular circumstances. Broadstone, its employees and agents do not accept or assume any liability or duty of care for any loss arising from any action taken or not taken by anyone in reliance on this information or for any decision based on it.

5.2 The content of this Website is intended to provide general guidance on matters of interest and about the services provided by Broadstone.  The content is aimed at UK based individuals.  Please note that whilst certain of the services mentioned in this site are subject to UK legal and regulatory requirements some of the services, such as the provision of scheme actuarial services, are not regulated the FCA, The content of this Website does not constitute, nor should it be relied upon as, professional advice. Please contact Broadstone for advice on any particular area of interest.  The terms and conditions on which Broadstone provides its services will be set out in the Terms of Business and Letter of Engagement which will be provided to you.

5.3  The information contained in this Website has been published in good faith but no representation or warranty, express or implied, is made by Broadstone as to its accuracy or completeness and it should be relied on as such  Law and regulations change continually and unintentional errors can occur and the information may be neither up to date nor accurate. Broadstone makes no representation or warranty (including liability towards third parties), express or implied, as to the accuracy, reliability or completeness of the information published on this Website.

5.4 No information on this site constitutes investment, tax, legal or any other advice.

5.5 Except for death or personal injury caused by negligent acts or omissions, Broadstone accepts no liability for any loss or damage whatsoever (including but not limited to any indirect, consequential, special, exemplary or similar damages) arising as a result of any decision or action taken or refrained from as a result of information contained on the Website or other Web sites to which it may be linked, or as a result of your use or misuse of the Website.

5.6 Without prejudice to the generality of clause 3.4(d), you agree to indemnify, defend and hold harmless Broadstone against any claim, liability, cost, damage, or loss we may incur (including without limitation legal fees) as a result of any violation by you of your obligations under these terms and conditions.

5.7 When you invest in any product or use a particular service, you are reminded of the following general risk warnings:

  • past performance is not a guide to future returns;
  • the value of investments and any income from them is not guaranteed and may fall as well as rise and an investor may not get back the original amount invested;
  • any favourable tax treatment of a product is subject to government legislation and as such may not be maintained;
  • the levels and basis of, and reliefs from, taxation may change in the future;
  • rates of exchange may cause the value of investments to go up or down.

6. Third Party Websites

This Website contains links to Websites maintained by parties other than Broadstone.  These links are provided simply to increase the information available to you and we accept no responsibility or liability in respect of any data transmission errors (such as data loss or damage or alteration) or the accuracy, timeliness, suitability or lawfulness of the information contained on third party Websites. The inclusion of a link to a third party Website does not constitute an endorsement or an indication of a joint venture, partnership or other legal arrangement not expressly stated between us and that third party.

You will leave the Broadstone Website when you access these links.  In so doing, you may be proceeding to the site of an organisation that is not regulated under the UK Financial Services and Markets Act 2000.  You should be aware that, consequently, the contents of those third party websites may not be subject to the same obligation on being clear, fair and not misleading.

In addition, such third party websites may be operated from a jurisdiction other than the UK which may have different standards regarding the confidentiality and use of data gathered on such websites.

When individuals provide sensitive personal information as part of the recruitment process, your submission of such information will be deemed to constitute explicit consent to Broadstone’s use of that information in connection with the purpose for which it has been provided.


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