Terms & Conditions

The website creativebenefitsolutions.co.uk is owned and operated by Creative Benefit Solutions Limited who are registered in England and Wales with registered number 6293305.

Creative Benefit Solutions Limited is authorised and regulated by the Financial Services Authority, reference 473893.

The copyright, trademarks and Intellectual Property (whether present or future) of all content and material on the website is owned by Creative Benefit Solutions Ltd and its licensors.

Access to the website confers no rights upon the visitor other than the limited right to use it in accordance with the following Terms and Conditions. These Terms and Conditions govern the use of the website and all or any pages , information or content within it and may be updated from time to time. You are advised to check this page from time to time.

Website Usage

Visitors to the website are permitted to display the content on screen, download or print content and information for personal and/or organisational non-commercial use.

Without the prior and express written permission of Creative Benefit Solutions Limited no copyright, trademark, content or material, whether complete or partial, may be

  • reproduced, offered for sale or sold, or distributed, on any medium ;
  • made available as part of another website in any way;
  • stored or transmitted to any server or other storage device in electronic or print form
  • removed, published, displayed or transmitted or in way commercially exploited

Visitors may not do anything that interferes or damages the functionality of, or access to, the website.

Disclaimer

The website provides general information about Creative Benefit Solutions Limited and its services and should in no way be taken as specific financial or professional advice. Use of the information on this website does not establish any relationship whatsoever with Creative Benefit Solutions Ltd

Visitors use this website, and the material contained within it, at their own risk. Whilst every care is taken to ensure all content is accurate at the point of inclusion in the website, no warranty, express or implied, is given regarding such content as being complete or accurate.

The website may contain links to other independent third party services or websites over which we have no control and we cannot accept any responsibility for their content or their accuracy. Links from the website, over which Creative Benefit Solutions Ltd has no control, do not constitute any endorsement or approval of the organisations concerned.

Visitors use the website at their own discretion. Creative Benefit Solutions Limited is not responsible for any loss of data resulting from downloading information from the website, nor are they responsible for any damage to visitors’ systems or equipment as a result of the use of the website.

To the fullest extent allowed by law we exclude any liability whatsoever to us for any loss or damage arising from usage of the website, or its content, and/or any third party material on the website or websites linked to it.

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  • Employee Benefits
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Treating Customers Fairly

FINAL SALARY COSTS AND DEFICITS HAVE GONE THROUGH THE ROOF

Since 2005:

  • admin/communication fees.... UP 45%*
  • advisor/consultancy fees.... UP 74%*
  • investment management fees.... UP 126%*
  • PPF levies.... UP 929%*
  • *(NAPF Market Trends & Statistics)
  • Fund deficits.... RECORD HIGH
  • (BBC News - 10 March 2009)

We have solutions to help tackle all these issues

Invitation to a complimentary seminar to find out more