Introduction

Pick-A.org is a not for profit service provided by the Pension Income Choice Association (PICA) and developed and run by The Annuity Exchange.

Unless otherwise stated, all rights in any information which appears on the Pick A website, including texts and written content, graphics and other images, and layout and design belong to the Pension Income Choice Association.

In the absence of a prohibition on a particular page of the Pick A website, you may print that page in full or any excerpt from that page as you may reasonably require for your own use, provided such use is of a private and non-commercial nature. If you do choose to make such print-outs, they must contain the relevant proprietary notices and disclaimers. You agree to seek written permission for any other use of material from the Pick A website, and you agree not to use any material from this site for any illegal or improper use.

PICA is committed to protecting your privacy in its dealings with you. This policy sets out how PICA protects any information that you give PICA when you use this website. Please read this policy carefully, because once you begin to use the Pick A Website you will be deemed to have read and accepted this policy.

As a user of the Pick A website, you are assured that any information you are asked to provide whilst using this website will only be used in accordance with this privacy policy, the provisions of the Data Protection Act 1998, and the provisions of all other applicable laws and regulations. We will ask you to provide us with certain data – including some personal information – so as to provide you with the best possible service. We will not share any information you provide with any third party, unless we have your express permission to do so, disclosure is required under any rule of law, valid legal process or by court order, or disclosure is required by a relevant regulatory body or government agency for the purpose of monitoring compliance with any regulatory codes or rules. If PICA has a discretion in any of the aforementioned scenarios, information will only be disclosed where PICA believes it is necessary or appropriate to make disclosure in relation to any investigation or activity that is or may be illegal, or may expose PICA to legal liability.

PICA may make changes to this policy from time to time by updating this page. You should check this policy page from time to time to ensure that you are happy with any changes. This policy is effective from 07/03/2014.

The pages of the Pick A website are created and maintained in the United Kingdom, and are intended for the information and use of United Kingdom residents only. As such, English law governs this policy and your use of the Pick A website.

If you have any questions regarding this privacy policy and its practise, please contact us.

Liability

Although reasonable care and skill have been exercised in the creation, maintenance and updating of the Pick A website, the information and resources contained in the website do not constitute financial, investment or professional advice. As such, we do not accept any liability for any error or omission. No opinion, information or material on the Pick A website constitutes an offer. Further, PICA accepts no liability for any errors in the transmission of emails and other data, or for computer, software or operating errors. It is crucial that you understand that the Pick A website does not constitute personal advice tailored to your particular circumstances. Our recommendation is that you seek individual advice, specific to your own particular circumstances and requirements.

PICA does not make any representations as to the availability, suitability or reliability, or otherwise, of the Pick A website. PICA does not accept any liability for any loss whatsoever arising out of your using the Pick A website.

All information and materials provided by third parties but contained in the Pick A website are displayed for general information purposes only. All links to third party websites and resources are included for general information purposes, and are not included by way of endorsement or promotion. PICA accepts no liability in relation to any materials on websites outside of its direct control.

PICA does not exclude or limit any liability under the Financial Services and Markets Act 2000, or under the rules and codes of appropriate regulators.

The information we collect

When you register with and use the Pick A Website, you may be asked for the following information:

If you provide us with information on behalf of another person, by doing so you confirm that you do so with their permission, and also that you have explained to them who PICA are and what PICA will use their information for. If you are acting for someone else where you have been granted Enduring or Lasting Power of Attorney, we will require sight of this.

What we do with the information we collect

We collect this information from the users of our site because it enables us to understand your requirements and provide you with the best service. Additionally, we may use the information for our own record keeping and to inform the improvement of our services

We will retain your data indefinitely.

Security of the information you provide

PICA is committed to ensuring that your information is secure. PICA has in place suitable physical, electronic and managerial procedures to safeguard and secure the information you provide.

However, you are responsible for the security of your own computer from which you access the Pick A website. You should be aware that any emails are sent at your own risk, since there is always the outside chance that emails you send may not be received by PICA, and, further, there is no guarantee of confidentiality of emails during transmission, since internet communications are not secure unless they have been encrypted. A communication may travel through any number of countries before delivery, where its security may be at significant risk. It is your responsibility to consider the nature and sensitivity of the contents of an email before sending it.

Cookies

A cookie is a small text file which asks permission to be placed on your computer's hard drive. Once you agree, the file is added and the cookie helps analyse web traffic or lets you know when you visit a particular site. Cookies allow web applications to respond to you as an individual. The web application can tailor its operations to your needs, likes and dislikes by gathering and remembering information about your preferences. PICA makes use of cookies to enhance your experience of using the Pick A website. The cookies used by PICA allow you to access the information you need as effectively as possible.

We use traffic log cookies to identify which pages are being used. This helps us analyse data about web page traffic and improve our website in order to tailor it to clients’ needs. We only use this information for statistical analysis purposes and then the data is removed from the system.

Overall, cookies help us provide you with a better website, by enabling us to monitor which pages you find useful and which you do not. A cookie in no way gives us access to your computer or any information about you, other than the data you choose to share with us.

You can choose to accept or decline cookies. Most web browsers automatically accept cookies, but you can usually modify your browser setting to decline cookies if you prefer. This may prevent you from taking full advantage of the website. For example, you may experience a lack of functionality, or be denied access to certain areas of the website. By using the Pick A website you are agreeing to the placement of cookies on your computer.

Below are some links to some useful resources on cookies:

Links to other websites

The Pick A website may contain links to other websites of interest. However, once you have used these links to leave the Pick A website, so as to explore another website, you should note that PICA does not have any control over that other website. Therefore, we cannot be responsible for the protection and privacy of any information that you provide whilst visiting such sites, because such sites are not governed by this privacy policy. You should exercise caution and look at the privacy statement applicable to the website in question.

Controlling your personal information

You may choose to restrict the collection or use of your personal information in the following ways:

You may request details of personal information which we hold about you under the Data Protection Act 1998. A small fee will be payable. PICA will take all reasonable steps to confirm your identity before providing you with details of any personal information PICA may hold about you. If you would like a copy of the information held on you please contact us.

If you believe that any information we are holding on you is incorrect or incomplete, please contact us as soon as possible. We will promptly correct any information found to be incorrect. Further, if you wish, you can ask PICA to remove your personal information from its records by contacting us.