Terms and Conditions

Website Privacy Policy

Cookie Policy By accessing and using the Open Annuities website you are agreeing to the terms of this policy and our privacy policy. Please read this cookie policy and our privacy policy so you understand how we use your information.

What are cookies?
Cookies are small files of letters and numbers. These files are either stored in the memory of your computer or other device such as mobile phones or tablet devices (these cookies are generally known as session cookies) or are placed on the hard drive of your device (generally known as persistent cookies).

Cookies are created when you visit a website that uses cookies. They are commonly used by websites to help the user's browsing experience and provide more info about the user's experience and interests. This information is generally used to make content and services more relevant. For more details about cookies and details of how to delete and disable them you can visit www.aboutcookies.org and also see our section on more information and turning cookies off below.

How do we use cookies?
Our website uses cookies to help provide you with a good experience and also allows us to improve our website and our services. The cookies that we use only collect anonymous information to optimise our services, and do not collect personal information. Please note that not all the cookies on our sites are set by us. Please see the section below on third party cookies.

What cookies do we use?
The cookies on our website generally fall into the category of functional and analytical cookies

Functional and analytical cookies:

Analytical cookies allow us to recognise and to count the number of visitors to our website, to see how visitors move around the website when they are using it and to record which content viewers view and are interested in This helps us to improve the service which we offer to you by helping us make sure our users are finding the information they are looking for.

Functional cookies relate to the functionality of our websites and allow us to improve the service we offer, for example: by allowing you to carry information across pages of our website to avoid you having to re-enter information. by enabling us to serve the appropriate regionalised service relevant to you.

What functional and analytical cookies do we use?
We have set out below the main functional and analytical cookies that we use. We use cookies which are operated on our behalf by the organisations listed below to help us deliver our services

Organisation setting the cookie Name of Cookie What does it do Cookie Expiration
Google Analytics _utma
This cookie helps us determine the number of unique visitors to our website
730 days (two years)
Google Analytics _utmz
This cookie helps us determine the referral method for people visiting our website. This helps us to analyse the traffic arriving at our website and to determine which are the most popular routes (e.g. direct, search engine search, email link).
182 days (six months)
Google Analytics _utmb
We use this Google Analytics cookie to help us to record the length of individual sessions from our users on our website. Each time you move to a new page within our website within 30 minutes of arriving the cookie updates so that we know that you are still actively using our website within a single session.
Less than one day (when you close the browser window)
Google Analytics _utmc
Similar to _utmb, we use this Google Analytics cookie to help us record the length of individual sessions on our website.
1825 days (five years)

How do I turn cookies off or delete cookies?
You can block most cookies (except for Flash cookies) by activating the setting on your browser that allows you to refuse the setting of all or some cookies. However, if you use your browser settings to block all cookies (including essential cookies) you may not be able to access all or parts of our sites, or you may experience reduced functionality when accessing certain services. Unless you have adjusted your browser setting so that it will refuse cookies, our system will issue cookies as soon you visit our website.

Cookies for advertising
We have implemented and using Google Display Advertising, so we can implement Google Remarketing to advertise online. Third-party vendors, including Google, show our ads on sites across the internet.

We and third-party vendors, including Google, use first-party cookies (such as the Google Analytics cookie) and third-party cookies (such as the DoubleClick cookie) together to inform, optimise, and serve ads based on your past visits to this website. We have enabled Google Analytics to collect data about our traffic using the DoubleClick cookie. This logs when users view specific pages, allowing us to provide targeted advertising in the future. This is in addition to data collected through standard Google Analytics. You can opt-out of Google Analytics for Display Advertising and customise Google Display Network ads using the Ads Preferences Manager (opens in new window).

Cookies are also used to track the pages you view and links you click when using Microsoft's and its advertising partners' sites and services, the search terms you enter when using Microsoft's search services, characteristics of the contacts you most frequently interact with through Microsoft's communications or social networking services, such as Messenger, demographic or interest data, including any you may have provided when creating a Windows Live ID, a general geographic location derived from your IP address. Please visit Microsoft’s website (opens in new window) for information about how to opt-out of personalised advertisements.

Personal Details and Data Privacy
Your privacy is important to us, we have a strict confidentiality policy and don't share your contact details.

The personal details which you submit to us (Personal Data) are held by Open Annuities for its own use. It is your responsibility to ensure that your Personal Data is accurate and up to date and to inform us of any changes that need to be made. Open Annuities may use the Personal Data for the purposes they have notified to the Information Commissioner's Office. By submitting your Personal Data you CONSENT to it being processed by Open Annuities.

Data Protection
Privacy Policy I/we confirm that I/we have the consent of any third party whose details I/we may disclose to Open Annuities ("You") to disclose such details and to authorise You and the third parties referred to in the paragraph below to process such details for the purposes of assessing my/our application and administering and enforcing any subsequent financial service which may be granted to me/us.

I/we agree that You and any adviser resulting from this application (the "adviser") shall be entitled to use and process, by any medium, the information given by me/us in this enquiry form and any other information about me/us which may be acquired during the lifetime of any enquiry ("the Data") for the following purposes:-

i. to provide the Data to and search the files of one or more credit reference or fraud prevention agencies whether before, or during the lifetime of any financial service granted to me/us by the adviser, who will keep a record of such search, to confirm the Data, and for the purposes of credit assessment or account administration. I/we understand that You and /or the adviser will record false or inaccurate information if this is given by me/us and fraud is suspected.

ii. To disclose the Data to credit reference agencies when requested by them for consideration of any future applications for finance made by me or members of my household/family, or for fraud prevention and/or tracing debtors (the agencies may also disclose the Data to other advisors for these purposes)

iii. to disclose the Data to any other company within the adviser's group of companies and/or to any third parties (for example, debt counsellors and insurers) at any time for the purposes of assessing my/our application and administering and enforcing any subsequent financial service whether during the course of my/our application or during the lifetime of any financial service granted pursuant to such application;

iv. to disclose the Data to any third party who replaces or who may replace my/our adviser.

Prevention Of Money Laundering
The adviser and other organisations may use and search the records of credit reference or fraud prevention agencies to check your identity to prevent money laundering, unless you have furnished other satisfactory proof of identity.

Access To and Removal of Data We May Hold About You
You can ask us, in writing for details of what personal data we hold about you. Upon receipt of such a written request and proof of your identity, we will provide you with a readable copy of the personal data which we keep about you. We will do this within a month, and reserve the right to charge you £10 for this information. We allow you to challenge the data that we hold about you and, where appropriate, you may have the data: erased/rectified or amended/completed. We do not reserve the right to refuse to provide you with a copy of your personal data.

Children's Privacy
We do not knowingly collect personal data from children.

Right Of Subject Access
Information held by us will be processed only for purposes for which we have registered under the Data Protection Act. Upon you making a request in writing we will provide you with a copy of the information which we hold concerning you on payment of a fee not exceeding £10. Please write to us at the address below.

Data Controller
Open Annuities' Data Controller is Robert Brady. Address: Open Annuities, Green View, Brook End Road North, Chelmsford, Essex CM2 6NW UK. Regulated by the Information Commissioner's Office and Registered Under the Data Protection Act 1998. Reg. No. A1025046.

Website Terms and Conditions

Headings are for reading convenience only and are not to be used in the interpretation of this agreement.

Availability of Service
Any guidance contained within this website is subject to the UK Financial Conduct Authority regulatory regime and is therefore restricted to consumers based in the UK. We don't warrant or guarantee that the Open Annuities website will be uninterrupted or error-free.

Use of Open Annuities
The material on the Open Annuities website is for general information only and doesn't constitute investment, legal, tax, or any other form of advice.

You must always obtain independent, professional advice for your own particular situation.

Use of the Open Annuities ("openannuities.co.uk", "we", "us") website ("the site") constitutes acceptance of the Open Annuities Website User Agreement ("the agreement") and Terms of Use ("terms"). The user of the site ("you") represent that you have read and understood these terms and agree to be bound by them.

Use of any internal or external links on the Open Annuities website constitutes acceptance of the terms on this page. If you don't agree with these terms, please exit this website by closing the browser window. The terms "Open Annuities", "http://www.openannuities.co.uk" encompass the Open Annuities Internet Site and Marketing Communications.

This independently owned website acts as an advertising and marketing vehicle to attract passive enquiries (from people that are proactively searching for pension help using search engines or directories on the internet) and pass on such enquiries for a fee (but free to the searcher) to financial services providers. As such, the owners, webmasters and marketing professionals of this website are unable to offer financial advice. Information on this website doesn't constitute regulated financial advice and is intended only to provide general personal financial information.

Any information contained on the website doesn't form the basis of any contract. Business or financial decisions should not be based solely on the information contained within this website. You should not rely on this information to make (or refrain from making) any decisions. Open Annuities is not responsible or liable for any financial service obtained through a 3rd party. An enquiry from this website doesn't constitute an offer to provide a service or product.

Links and Site Content
We don't make any warrant or guarantee, either expressed or implied as to the accuracy, validity, completeness, suitability, reliability, or currency of any information content within its website or websites to which it is linked to. Links to other websites are provided solely as a resource guide and don't represent an endorsement or guarantee, either expressed or implied.

The Open Annuities website doesn't assume any liability for any of the products, services, or data of any other sites. It is the responsibility of the user to evaluate the information, opinion, advice, or other content contained within the website. We cannot be held responsible or liable for any loss or damage due to reliance on information obtained through the Open Annuities website.

In order to use this website you must agree to be legally bound and to abide by the terms and to indemnify and hold the operators of the Open Annuities website harmless from all alleged or actual damages, claims and expenses relating to any warrant, guarantee or representations made by the individual service providers featured within this website or linked websites. This also includes, without limitation, attorney's fees. The use of this website for any reason is deemed to be an agreement of this condition.

Bearing in mind that this is a free "public access" website, it is a condition of use of the website and the materials in it that use is at the user's own risk.

We disclaim all liability in respect of such information and its provision. Neither Open Annuities nor any of the website's administrators, editors or contributors shall be liable for any loss or damages suffered as a result of any use of the website, including but not limited to direct loss, consequential loss and loss of profits. We don't assume, and therefore disclaim, any liability for any loss or damage caused by omissions or errors.

Open Annuities is provided on an "as is" and "as available" basis. We shall not be liable for any direct, indirect, incidental, special, or consequential damages. This includes, without limitation and even if we are advised of the possibility thereof, any damages for loss of goodwill or any and all other commercial damages or losses including loss of profit, that result from the use of, or inability to use Open Annuities.

Information Indemnity
The user agrees not to rely on any information obtained from the Open Annuities website and indemnifies us from mistakes, omissions, errors, interruptions, delays of service or performance, defects, harmful components, viruses and bugs, howsoever caused.

If a term, covenant, provision, or condition of this agreement becomes, or shall be held by any court of competent jurisdiction to be against public policy or illegal, all remaining provisions of this agreement shall remain in full force and effect and unaffected, impaired or invalidated by this decision. The invalidated item shall be modified by the parties to the full extent possible to carry out all the intentions and directives stated in this agreement.

Governing Law
Any such contract will be interpreted, construed and enforced in all respects in accordance with the laws of England, and you and Open Annuities irrevocably submit to the non-exclusive jurisdiction of the English Courts.

This agreement is governed by English law and all disputes will be handled solely in the United Kingdom. English Courts will have jurisdiction in respect of it. You consent to such venue and jurisdiction.

The Open Annuities website is controlled and operated from offices in the United Kingdom and makes no representations or warranties that its content or use is legal in other locations.

Whilst it's not our intention to do so, the operators of the Open Annuities Website reserves the right to change its policies and terms at any time. Any such changes will be posted on this page. We don't assume, and therefore disclaim, any liability for any loss or damage caused by errors or omissions.

Open Annuities is not associated with other companies who own similar sounding names.

Copyright Notice
The Open Annuities website is not associated with other companies or websites who own or trade under similar sounding names or with similar design. © Content Copyrighted.

If a fee is charged or a commission is expected from the provider, you will be told how much that fee or commission will be before you complete an investment, but you may ask for this information earlier. If you choose not to proceed with a recommendation, no charge will be made.

Website Contact Information
LeadFair Ltd, Green View, Brook End Road North, Chelmsford, Essex CM2 6NW. If you need to contact us about business, website or operational queries, click here to email us.

Please address all queries through our contact form below. Only the retirement options specialists themselves can offer support. We do hope you understand that we cannot offer phone assistance before your enquiry is allocated to a specialist. You will, of course, receive a phone call as soon as possible.

For webmaster enquiries, please use our form below to contact us.


Your Age (You must be aged 55 or over)
Do you already have an annuity? (If so, sorry, we cannot help. Annuities cannot be cashed in at this time.)
Preferred contact phone number
2nd number just in case (optional)
Email address (optional)
Annuities PRIVACY PROMISE: We will never share your data or spam you. Data Protection No. Z1760988