Cartwright Stepping Stones

    The Smallprint:Terms and Conditions


    1.1 These Terms and Conditions apply to your use of Cartwright Benefit Consultants Limited website ("the website").

    1.2 These Terms and Conditions should be read in conjunction with the Privacy and Cookies Policy for the website which tells you how we collect and use information you provide to us or which we collect.

    1.3 By accessing or using the website you confirm you have read, understood and agree to be legally bound by these Terms and Conditions and our Privacy and Cookies Policy in their entirety each time you access the website. If you do not agree to these Terms and Conditions and/or the Privacy and Cookies Policy, please do not use the website.


    2.1 This website and its contents are owned and operated by Cartwright Benefit Consultants Limited ("we", "us", "our" or "Cartwright").

    2.2 We are registered in England and Wales under company number 6752454 and our registered office is at 250 Fowler Avenue, Farnborough Business Park, Farnborough, Hampshire, GU14 7JP.

    2.3 Our VAT number is 971 7650 90.


    3.1 You may use this website for lawful purposes only. You must not use the website in any way that breaches any applicable local, national or international law or regulation or which is in any way unlawful or fraudulent.

    3.2 You may download, save and print copies of the brochures and presentations from the site for your reference only.

    3.3 You may not:

    3.3.1 access or print any or all parts of the website for any commercial purpose;

    3.3.2 copy (including storing and downloading), distribute, publish, alter, adapt, create derivative works from, or otherwise use the material on this website, either in whole or in part except as expressly permitted above;

    3.3.3 remove any copyright, trademark or other intellectual property notices contained;

    3.3.4 link to or from this website;

    3.3.5 frame or otherwise use the material on this website, or any part of it, on any other website or social media platform; without first obtaining express written consent from Cartwright.


    4.1 The information and services provided on the website do not constitute actuarial, investment, legal, financial or tax advice. For the avoidance of doubt, this includes information contained in any presentations and brochures which we make available on the website. The website is intended to provide general information only and does not attempt to provide advice of any sort relating to the particular circumstances of your pension scheme. We strongly recommend that you take advice from your Cartwright contact or other professional advisers on matters affecting your pension scheme.

    4.2 We endeavour to ensure that the material contained on the website is accurate and complete at the date first published. However, we cannot guarantee this and you should recognise that information contained on this website may become out of date over time.

    4.3 The website and the information contained in it is provided for your use "as is" without any warranty (whether express or implied) of any kind.

    4.4 If you are dissatisfied with the website or any content or material on it, your sole exclusive remedy is to discontinue use of the website.


    5.1 We reserve the right to suspend access to all or part of the website or close it indefinitely without notice. Access may be terminated or suspended either in relation to specific users or to all users.

    5.2 We accept no liability to you if the website becomes either temporarily or permanently unavailable.

    5.3 In addition, we do not warrant that the functions or materials on, or accessed from, this website shall be uninterrupted or free from errors.


    6.1 We reserve the right to change the format and content of this website and these Terms and Conditions at any time without notice.

    6.2 It is your responsibility to check the Terms and Conditions regularly in order to be aware of any changes which are made to them.

    6.3 By continuing to access this website after the Terms and Conditions have changed, you are agreeing that you have read, understood and agree to be bound by the updated Terms and Conditions.


    7.1 We are the owner or licensee of all materials, and rights in those materials, which appear on this website. These materials include but are not limited to the text, photographs, images, graphics, illustrations, designs, written and other material including the program and code. Our rights include trademarks, copyright, design rights and all other intellectual property rights.

    7.2 If you acquire any rights in or to the website or materials on it, you agree to assign those rights, on a worldwide basis, to us and unconditionally and irrevocably to waive all moral rights you may have acquired in the website.


    8.1 Certain names, words, phrases, logos, graphics, or designs on the pages of this website may constitute registered or unregistered trademarks owned by us or others who license us to use them.

    8.2 You are not entitled to reproduce or use in any way any of our trademarks (or those of any third party) without our (or their) written permission.


    9.1 We do not warrant that the website, its content or the server(s) that make it available are error or virus free or free of other harmful components or that your use of this website will be uninterrupted and we will not be liable for any loss or damage suffered by you as a result of viruses or other harmful material which you access from this site.

    9.2 You are solely responsible for ensuring that you have suitable equipment and security and virus protection in place before using the website.

    9.3 You must not attempt to gain unauthorised access to our website, the server on which our website is stored or any server computer or data base connected to our website


    10.1 This website may contain links to sites operated by third parties. We have not reviewed and do not review such sites and are not responsible for the content of nor accept any liability howsoever arising in respect of any of such sites.

    10.2 The presence of links to third party sites is not intended to and shall not constitute a recommendation by us of such sites nor of any advice or information posted on them.

    10.3 If you wish to provide a hypertext or other link to or from this website, you will first need to obtain our written consent. We have sole discretion to permit or reject any such requests. Requests should be sent to along with the following information:

    10.3.1 the URL(s) of the web page(s) from which you are proposing to link to this website; or

    10.3.2 the URL(s) of the web page(s) on this website to which you are proposing to link and we will consider your request.


    11.1 We do not accept any liability for any loss or damage of any kind arising from any inaccuracy or omission in, or the use of, or reliance upon, any information on this website.

    11.2 However, nothing in these Terms and Conditions shall affect our liability for death or personal injury caused by our negligence, nor our liability for fraud or serious misrepresentation, nor any other liability which cannot be excluded or limited under applicable law.


    12.1 It is intended that the information on this website will be used by persons resident in the United Kingdom.

    12.2 These Terms and Conditions will be read and construed in accordance with the laws of England and Wales and the courts of England and Wales shall have exclusive jurisdiction in respect of any dispute arising out of or relating to these terms and conditions.

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  • If you have any questions, or would like further information, please call our team on: 01252 894 883

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To discuss your specific requirements with a member of our team, please start by sending us a brief message or, if your enquiry is more urgent, call our Head Office on 01252 894 883 and we will be put you in contact with the right person.

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