Terms of use

This website is operated by Smart Pension Limited, a company registered in England and Wales under company number 09026697 with its registered address at 136 George Street, London W1H 5LD. 

Smart Pension Limited is the parent company of the Smart Group and includes subsidiaries that provide products and services to clients in respect of the Keystone platform. 

These terms and conditions of use govern your use of our website at www.keystonesmart.com. These terms should be read alongside our Privacy notice and Cookies notice. 

By using our website you acknowledge and accept these terms. If you don't accept these terms, you should not use the website. On each occasion that you access the website, you'll be deemed to have accepted the terms in place at the time of access. We may revise or amend the terms, so you should check here from time to time for any updates.

Availability of our website 

We don’t guarantee that our website, or any content on it, will always be available or be uninterrupted and we may suspend, withdraw, change or restrict the availability of all or any part of our website without notice.

All information provided on our website is for general information only.  We do not accept any liability for any damage or loss caused by any use, reliance or information on our website, including any errors or omissions.

Acceptable use and our intellectual property rights 

Our website, including any information or material displayed on its pages, are the property of Smart Pension Limited unless otherwise stated. You must not copy, modify, duplicate, decompile, reverse compile, disassemble, reverse engineer or create any derivative works of any content from our website, unless expressly permitted by us. Nothing in these terms or on this website constitutes a licence for you to use or copy the information and/ or content on the website.

The “Keystone” logo, “Smart” and “Smart Pension” logos belong to Smart Pension Limited and/ or members of the Smart Group. Please do not use any of our trade marks or logos without our prior written permission.‍

You agree to abide by all applicable laws, regulations and codes of conduct in force from time to time in respect of your use of our website. You must not misuse our website by knowingly introducing any viruses, worms, trojans or other malicious or technologically harmful material. 

Our partnerships, use of external links and social media 

Our website may contain links to other websites or services provided by third parties.  We have no control over the content or security of such websites. We do not endorse or make any representations about the suitability or appropriateness of services or material provided by third parties nor the security of any third party website. We do not accept any liability whatsoever for your use of such third party websites or services.

We may offer services or products from third parties through partnerships with other organisations from time to time. Your use of these services or products will be governed by separate terms and conditions with that third party and we exclude any liability for any use of such services or products.

No endorsement or approval of any third parties or their advice, opinions, information, products or services is expressed or implied by any information on our website.

We may provide links to various social media channels for general communication purposes from time to time, including LinkedIn, Twitter, Facebook, YouTube and Instagram.

We are not responsible for any information posted on those social media channels unless we posted it ourselves. We use them as channels of communication - we don't endorse the social media platforms themselves, nor do we endorse any information posted on them by third parties or other users.

We do not provide advice

We do not provide any financial, pensions, regulatory, legal, tax or investment advice. Nothing on our website should be construed as financial, pensions, regulatory, legal, tax or investment advice.

Our liability to you

The website is provided on an “as is” basis. To the fullest extent permitted by applicable law, we have no liability to you for your use of the website. We  make no representations or warranties of any kind, including without limitation:

• any implied representations, conditions or warranties of merchantability, satisfactory quality, fitness for a specific purpose, title or non-infringement;
• that the website will meet your requirements, always be available, accessible, uninterrupted, secure, free of error or omission, or will contain any particular features or functionality; or
• any implied warranties arising from the course of dealing or usage.

We do not have any liability to you for any losses or damages caused if, for any reason, the website is unavailable at any time or for any period.

Governing law

These terms are governed by English law and the English courts shall have exclusive jurisdiction.

Accessibility, and reporting problems with this website

Keystone aspires to conform to level AA of the WCAG2 guidelines. We are constantly evolving our website to meet the diverse needs of our visitors.‍ This website is operated by Smart Pension Limited and has been built to allow compatibility with most types of browser on computer operating systems. Although the appearance of the website will vary according to the capabilities of your system, the website itself should still work. 

If you need help using this website, or if the website doesn’t function properly for you, please email customer services on accessibility@smartpension.co.uk. If you can, please mention your browser and operating system version so that we can investigate. You can also use this email address to report any error messages.