Conditions of Use

Internet Site

  1. This website provides general information - it is not a source of investment advice. SBJ is not providing any investment or insurance services through this website or any material held on this website.
  2. This website is directed at UK residents only. You are responsible for satisfying yourself that under the laws of your home jurisdiction you may lawfully access this website.
  3. Please ensure you read the terms of use, set out below, and Legal Statement.
  4. SBJ Benefit Consultants Limited, SBJ UK Limited, and SBJ Global Risks Limited are each separately authorised and regulated by The Financial Services Authority. There may be products or services on this website that are not regulated by the FSA.  

Terms of Use

By accessing and continuing to use this website users accept and undertake to abide by SBJ’s conditions of use set out below.

  1. Use of this website for any purpose that is unlawful, or in any manner that could exceed authorised access, damage, disable, overburden, or impair the operation of this site, or any other party's use or enjoyment of this site is strictly prohibited.
  2. Users are prohibited from violating or attempting to violate the security of the SBJ group’s website, including:
    1. Accessing data not intended for such User 
    2. Logging into a server or account which such User is not authorised to access 
    3. Attempting to probe, scan or test the vulnerability of a system or network 
    4. Attempting to breach security or authentication measures without proper authorisation 
    5. Attempting to interfere with service to any user, host or network
    6. Forging any TCP/IP packet header or any part of the header information in any e-mail or newsgroup posting 
    7. Taking any action in order to obtain services to which such User is not entitled 
  3. Violations of system or network security may result in civil or criminal liability.
  4. SBJ will investigate occurrences that may involve such violations and may involve, and co-operate with, law enforcement authorities in prosecuting Users who are involved in such violations.
  5. Users of this website may be monitored to ensure compliance with these Terms of Use. 
  6. Users of this website consent to this monitoring in order to ensure the security and availability of this website. 
  7. All reasonable efforts have been made to ensure that the information published in this website is accurate, however SBJ do not warrant that the information is accurate or complete.
  8. The pages contained in this website may contain technical or typographical errors. The information may be updated from time to time and may at times be out of date. SBJ accept no responsibility for keeping the information up to date, or liability from any failure to do so. 
  9. You acknowledge that certain information within this website (or via links from this website) is provided by third parties, and that SBJ has no control over the accuracy or completeness of such third party data. SBJ does not assume and hereby disclaims any liability for loss, costs, expenses or damages occasioned or caused by any errors or omissions caused by SBJ or third party information used within or via this website. 
  10. You may only use this website for your own personal, non-professional use. You may not use, and you must ensure that no other person uses the information supplied by this website to you for re-sell, redistribution or for any other commercial use.

Security Statement

  1. SBJ has in place generally accepted standards of technological security for the purpose of protecting information provided by visitors from misuse, loss, or corruption. 
  2. Only authorised personnel have access to personally identifiable information submitted through the website. Such employees are required to maintain the confidentiality of this sensitive data.
  3. The policy also applies to any and all agents, affiliates, and related entities of SBJ that may receive such information from SBJ. 

All visitors, however, should be aware that our website might contain links to other sites that are not governed by this or any other privacy statement.