Terms and conditions

Who are we?

The Just App (named “Just – Retire Different” ) (the “App”) and the Just website at www.justretirement.co.uk) (the “Website”) are 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.

You can find more information about the Just Group at www.wearejust.co.uk.

About our products and services 

• The App and Website offers 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 includes planning and guidance services, financial calculators, projections and guides.
• If you are interested in purchasing any of the products and services that maybe shown or accessed via the App you will be provided with applicable product or service terms to inform any decision and that will govern any such relationship.

Your use of the App

• These Terms apply to the information and consumer services being displayed and accessed on the App and Website. Our privacy policy provides further information about how your data is used. By continuing to use our App or Website you agree to these Terms and the privacy policy.
• To ensure continued full functionality of the App and Website please ensure your operating system is kept up to date. in line with manufacturer recommendations.
• We grant you a non-exclusive licence to use the App and Website on the basis of your agreement to these Terms.
• By agreeing to these Terms, you agree:
  • to use the App or Website for your personal, non-commercial and lawful purposes;
  • you won’t engage in any activity that is harmful or infringes our rights or the rights of others;
  • you will not misuse our App or Website by knowingly introducing viruses, trojans, logic bombs, worms or other malware or materials that are technically harmful or malicious in nature;
  • you will not to transmit any material that is defamatory, offensive, or otherwise objectionable;
  • you will not use the App or Website in a way that could overburden the service, impair our systems or interfere with user experience;
  • you will not attempt to gain unauthorised access to the App or Website, the server on which they are stored or any server, computer or database connected to them.
• We may report any such breaches to relevant law enforcement authorities and we will co-operate with those authorities accordingly. In the event of such a breach.
• Please note that if you are using the App, 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 have broken 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.
• The App may provide access to certain tools and features that are designed to be of assistance to you. Information on how they work (e.g. their purpose, limitations and assumptions made) will be made available as part of the particular App function).

Intended audience

• The App and Website is intended for use by UK residents aged 18 years or above.
• It may not be used by any other third party without our prior express written consent.
• You may only view, use, download and store the material on the App or Website for your personal use.
• Unauthorised use of the App or Website may give rise to a claim by us for damages and/or be a criminal offence.

Content copyright and trademarks

• The App and Website contains material which is owned by or licensed to Just. 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 App and Website belongs to Just or our licensors.
• All trademarks, service marks, company names and/or 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 App and Website 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 App or Website. 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 App or Website 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 App and Website (as applicable).
• If you contract with a third party which is named or referred to on the App or Website, 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 policy is available for your review.
• To register and to use tools within the App you will need to provide some basic personal and financial information. You are responsible for use of and security of your account details (such as one time codes used to log into our service) which should be kept confidential. You must notify us immediately if you believe that your account may have been compromised in any way  

Our responsibility to you

• Your use of the App or Website 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 App or Website or any material on any site linked to them;
  • any changes made to the content of the App or Website 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, guarantees or representations are excluded to the fullest extent permissible by law.
• NOTE that nothing on the App or Website is intended to constitute financial advice.

Updates to the Site

• From time to time we may update the App or Website to improve performance, enhance functionality, reflect changes to the operating system or address security issues. The content within the App and Website may also been updated from time to time.
• For App users we may ask you to update the App for such reasons. If you choose not to install updates or if you opt out of automatic updates you may not be able to continue using the App.

Availability

• To the extent permitted by applicable law, we do not warrant the App or Website will be available at all times or that your use will be uninterrupted. We reserve the right to remove the App or Website without notice.
• We will try to inform you in advance of any maintenance to the App or Website which may affect availability or downtime.
• We will not be liable for any failure of public or private computer networks, any delay in performance, or failure to perform our obligations under these Terms caused by any act beyond our reasonable control.

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 (including the Website or App operator) 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 App or Website. If you are a registered user then we will endeavour to email you to notify you of any material changes in advance of any such change.   

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.