Terms and conditions

Who are we?

This Just website (the “Site”) is operated on behalf of Retire Different Limited (“Just” ”we” “us” “our”).

Retire Different Limited is a company registered in England and Wales with company number 10496803 and is a wholly owned subsidiary of the Just Group plc.

The registered office for Retire Different Limited and Just Group plc is Enterprise House, Bancroft Road, Reigate, Surrey, England, RH2 7RP.

About our products and services 

• The Site offers information on a variety of services to help visitors find useful information about a range of topics likely to be of interest and affecting those approaching their 50s and beyond.
• It may include planning and guidance services, financial calculators, projections and guides.
• If you are interested in purchasing any product or services that maybe shown or accessed via the Site you will be provided with applicable product or service terms to inform any decision and they will govern any such relationship.

Your use of the Site

• These Terms apply to the information and consumer services being displayed and accessed on the Site. Please also read our privacy notice.
• We grant you a non-exclusive licence to use the Site on the basis of your agreement to these Terms. By agreeing to these Terms, you agree:
  • to use the Site for your personal, non-commercial and lawful purposes; and
  • that you won’t engage in any activity that is harmful or infringes our rights or the rights of others.
• Please note that if you download the "Just - Retire Different" App (the "App") that is advertised on the Site, the ways in which you can use the App may also be controlled by rules and policies of the applicable App distribution platform you used to download it (e.g. Apple App Store or Google Play) (the “Platform”). If there are conflicts between these Terms and the Platform’s terms then the Platform terms will prevail.
• If you breach these Terms in a serious way that cannot be resolved we will inform you and may end your rights to use the App. If we end your rights to use the App you must stop all activities authorised by these Terms, including use of the App, and delete or remove the App from your devices.

Intended audience

• You may only view, use, download and store the material on the Site for your personal use.
• Unauthorised use of the Site may give rise to a claim by us for damages and/or be a criminal offence.

Content copyright and trademarks

• The Site contains material which is owned by or licensed to Just or a member of the Just Group. That includes the content, design, layout, look, appearance, graphics and any documents, algorithms or tools it contains. It is protected by intellectual property laws including, but not limited to, copyright and so all rights in any information which appears on the Site belong to Just or our licensors.
• All trademarks, service marks, company names and/or branding are the property of their respective holders. Any use by you of these marks, names and logos may constitute an infringement of the holders’ rights.

Relationship with other websites accessed via the Site

• The Site may contain links to websites. We don’t necessarily create or maintain those websites and do not accept responsibility or liability for the content of any other websites unless stated otherwise.
• It is your responsibility to review the terms and conditions and privacy policy on any other website you visit. We exclude all warranties and all liability for any loss or damage you incur as a result of your use of such websites.

Content provided by third parties

• Content and information provided by ourselves or via third parties is made available to you through your use of the Site. Certain content will express personal opinion of the provider and will be labelled accordingly. It is provided for informational purposes only.
• By accessing such content you agree that we don’t guarantee the accuracy, suitability, reliability or quality of such content and are not responsible for such third-party views, products and/or services.

Contracting online

• Nothing on the Site is intended to be an offer to enter into a contract with you, except for these Terms which govern the relationship between us in relation to your use of the Site.
• If you contract with a third party which is named or referred to on the Site, it is your responsibility to ensure that you are happy with that contract and to take legal or financial advice as necessary.

Personal data and privacy

• Our privacy notice is available for your review.
• When the App is available you'll need to register to use it. You are responsible for the use and security of your account details, which should be kept confidential. You must notify us immediately if you believe there has been unauthorised use of your account.

Our responsibility to you

• Your use of the Site is at your own risk. We do not exclude or limit liability where it would be unlawful to do so however we shall not be not liable for
  • direct, indirect, incidental, special, consequential, or punitive damages, losses, costs or expenses nor any loss of profit that results from the use of, or inability to use the Site or any material on any site linked to it;
  • any changes made to the content of the Site by unauthorised third parties;
  • losses incurred as a result of false or inaccurate information provided by you; or
  • losses incurred due to you failing to keep your access credentials safe or as a result of your fraud.
• All express or implied warranties or representations are excluded to the fullest extent permissible by law.
• Just as the operator of this website is not regulated by the Financial Conduct Authority (FCA). All content provided on this site and through our app is for informational purposes only and should not be considered financial advice. Users should not base any financial decisions on the information provided here.  If you do require financial advice in respect of any products or services you’ve seen on the Site, please contact us for further information on how to obtain that.

Updates to the Site

From time to time we may update the Site. This may be to improve performance, enhance functionality, reflect changes to the operating system or address security issues.

Site availability

• To the extent permitted by applicable law, we do not warrant the Site will be available at all times.

Accuracy of information

• We make efforts to ensure that material made available is correct, current and complete at the date of publication however we make no warranties or representations (express or implied) regarding its accuracy, currency or completeness.

Changes to these terms

We may change these Terms at any time by posting an updated version and stating the date of the change. You will be considered to have accepted the latest terms and conditions (as amended) when you next use the Site. 

Severability

• If any provision in these Terms is held to be invalid, illegal or unenforceable by a court of competent jurisdiction, then that provision shall be modified only the extent necessary to reflect the parties’ intention. The Terms shall otherwise remain in full force and effect.

Governing law and disputes

• English law applies to these Terms.
• If any disputes do arise between us regarding these Terms and you want to take us to court, you must do so in an English court, or if you live in Scotland, Wales or Northern Ireland you can do so in that respective country.

Contacting us

You can contact us about any aspect of the Site:

• By email: contactus@justretirement.co.uk
• By post: Just – Retire Different, Enterprise House, Bancroft Road, Reigate, Surrey, RH2 7RP.