Terms of Use

These Terms of Use apply to your use of and any information you may obtain from this website ("this Website"). These Terms of Use are a legal document governing your use of this Website and any services you may obtain via this Website (“the Services”).

By using this Website you are deemed to have accepted:

  • these Terms of Use; and
  • Our Privacy Notice which sets out how we may collect, retain and process your personal data; and
  • Please read these Terms of Use carefully before using this Website. If you have any questions or issues, please get in touch by contacting us.

    Any products or services purchased through this Website will be subject to its own terms and conditions which you should also read. In the event of any conflict between these Terms of Use and the terms and conditions of any products or services, the terms and conditions of those products or services shall prevail.

    1. General

    • This Website is operated by Concert, a Buck Company (“Concert”). Wherever the name Concert or the words “we” or “our” are used on the Website, this means Concert, a Buck company.

    2. Availability and Access

    Access to this Website is permitted on a temporary basis, and we may withdraw, discontinue or change all or part of this Website without notice. We will not be liable if for any reason our site is unavailable at any time or for any period.

    3. Information

    This Website gives you information and not advice. It is provided solely to enable you to make your own decisions and the products and Services referred to may not be suitable for everyone. If you are unsure of the suitability of any product for you, you should seek financial advice. Nothing on this Website (or in any communication you receive from us or any web chat you may enter into with us) should be regarded as offering personal financial advice and/or the provision of advice on suitability.

    Whilst we use reasonable care and skill to ensure that it is accurate as at the date of publication, all information is provided without any assurances as to its accuracy. You must ensure that any information you provide is complete and accurate in all respects.

    You may use this Website solely for your personal, non-commercial use. You may download, view, copy and print the information incorporated into this Website solely for your own use. However, you must not copy, adapt, distribute, commercially exploit, or publicly display the information contained on this Website without our consent.

    4. Your Use

    You must not misuse this Website by knowingly introducing viruses, trojans, worms, logic bombs or other material which is malicious or technologically harmful or use this Website to post or transmit any information which infringes the rights of others or violates their privacy or publicity rights, or is unlawful, threatening, abusive, defamatory, libellous, vulgar, obscene, profane, indecent or otherwise objectionable.

    You must not attempt to gain unauthorised access to this Website, the server on which this Website is stored or any server, computer or database connected to this Website. You must not attack this Website via a denial-of-service attack or a distributed denial-of-service attack.

    5. Our rights in this Website

    We are the owner or licensee of all copyright, design rights, database rights and other intellectual property rights in the content of this Website. Our images, logos and names used on this site are owned by us or our licensor. Our name may not be used in any way, including in advertising or publicity without our prior written consent.

    Nothing in this Agreement shall be construed as transferring or assigning any ownership rights in the Information to you or any other person or entity.

    6. Linking from this Website

    The Services may contain links to other sites provided by third parties. These links are provided for your information only. The policies at other sites, which may be owned and operated by third parties, may be different from these Terms of Use and the related Privacy Notice. We have no control over the contents of those sites or resources, and accept no responsibility for them or for any loss or damage that may arise from your use of them. We do not endorse or recommend any views, advice, products or services offered on a site accessible via this Website.

    7. Linking to this Website

    You may not create any link to this Website without the express prior written consent of Buck. This Website must not be framed on any other website, nor may you create a link to any part of this Website without our permission. We reserve the right to withdraw linking permissions without notice.

    8. Applicable Law

    If you are resident in the United Kingdom, then these Terms of Use shall be governed by English law and all disputes under or in any way arising from, or related to, your use of this Website shall be determined by the non-exclusive jurisdiction of the courts of England. In this case, you and we both agree that the courts of England and Wales have non-exclusive jurisdiction.

    However, if you are resident in Northern Ireland, Scotland, the Channel Islands or the Isle of Man you may bring proceedings in your local courts.

    If you are resident in the Republic of Ireland, then these Terms of Use shall be governed by Irish law and all disputes under or in any way arising from, or related to, your use of this Website shall be determined by the non-exclusive jurisdiction of the courts of Ireland. In this case, you and we both agree that the courts of Ireland have non-exclusive jurisdiction.

    9. Changes

    We update this Website regularly, and may make changes to the information at any time. Please ensure you review these Terms of Use each time you use this Website.

    10. Limitation of Liability

    All conditions, warranties, representations, whether express or implied, which may apply to this Website are excluded from these Terms of Use to the extent they may be excluded as a matter of law.

    We do not accept liability and neither we nor any member of the Buck group of companies will be liable for any damage, loss or expense suffered by you:

    • except to the extent that such damage, loss or expense arises from our negligent act or omission in the performance of our obligations under these Terms of Use or our voluntary breach of these Terms of Use;
    • the inaccuracy of any information you provide to us or your employer;
      • your use or inability to use this Website including your use of any information displayed on this Website;
      • your use of any links to third party sites, including any information posted on such sites;
      • any suspension, restriction or withdrawal of this Website; or
      • any virus, corrupt download or any computer issues.

    We will not be responsible for any breach of these Terms of Use outside our reasonable control or for any indirect or consequential losses or damages you may suffer.

    Nothing in these Terms of Use affects our liability for death or personal injury arising from our negligence, or for fraud or fraudulent misrepresentation or any other liability which cannot be excluded or limited under applicable law.

    11. Contact us

    If you have any suggestions or ideas please get in touch. Please note that any suggestions or ideas we chose to implement shall become the property of Buck unless agreed otherwise.

    In the unlikely event that something goes wrong, please contact us

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Flexibility when you retire

You now have more options available to you at retirement in terms of how you take your pension… view the video to find out more and to discuss any of this further, contact Friends Life using the details provided under the Contacts tab.

The Barber Judgment and the equal treatment of men and women

Generally speaking pension Plan’s used to have different retirement ages for Men and Women for example; 65 for men and 60 for women. This practice was challenged in the European Court of Justice in 1990 and it was ruled that Trustees must pay equal or comparable benefits to men and women from that date.

How this changed the Dun & Bradstreet Pension Plan

The Dun and Bradstreet Plan equalised normal retirement ages for men and women, before the Barber judgment, on 6 April 1988. Before this date men had a normal retirement age of 65 and women had a normal retirement age of 60.

Any person that joined the Plan after 6 April 1988 has a normal retirement age of 65 regardless of gender.

Any person that joined the Plan before 6 April 1988 has a normal retirement age of 60 for their service between 17 May 1990 to 31 March 2004; a normal retirement age of 65 for service after 31 March 2004; and a normal retirement age of 65 or 60 depending on gender for service before 17 May 1990.