Terms and conditions

Please take time to read these terms and conditions and the data privacy statements before using this website.

The following terms and conditions govern your use of this website. They are a legally binding agreement between you and Mobius Life Limited (“Mobius Life”, “we”, “us”, “our”), the website providers. By continuing with this site, you are agreeing to accept these terms and conditions. If you choose not to accept any of these terms and conditions you should not continue to use this site.

We recommend you read the terms and conditions whenever you visit this website as we may, without prior notice to you, change any content on this website and the terms and conditions under which the website is used.

Purpose of this website

The website is designed for professional advisers and institutional investors who are asset managers, life insurance companies or employers and trustees of institutional pension schemes. Mobius Life does not directly provide pensions for individuals.


As Mobius Life’s services and products are only available in the UK, this website is intended for UK residents only. If you are not a UK resident, please do not proceed to use this website.


The information on this website should not be regarded as a personal recommendation. If you require advice about your pension options please contact an Independent Financial Adviser. The information on this website should not be regarded as an offer, solicitation, invitation or a recommendation to buy or sell any investments, services, or products supplied by Mobius Life or any other company.

Basis of use

These terms and conditions provide you with a non-exclusive licence to access the website. Mobius Life reserves the right to revoke this licence at any time and to withdraw access to the website, or any part of it, at any time or for any purpose the company deems reasonable, without notice. The availability of the website is at Mobius Life’s discretion.

These terms and conditions apply to you when you access the information on this website.

These terms and conditions govern all your access to information provided by Mobius Life on the website, including information you provide to the company and the facilities we offer via this website. The terms and conditions also cover all materials and services made we make available from time to time on this website, excluding third-party websites linked from this website, whether viewed on screen or downloaded to another computer.

It is your sole responsibility to install, configure, maintain and obtain licences for any software required to use and access this website and for you to ensure this software is operating properly.

These terms and conditions are governed by English law and any dispute shall be subject to the jurisdiction of the English courts.


Mobius Life reserves the right at any time and without notice to remove, amend or vary any content on any page of this website, including any terms and conditions.

Any changes to the terms and conditions will be updated directly. As above, we recommend you read the terms and conditions whenever you visit this website. By continuing to use this website after any changes, you are agreeing to abide by the revised conditions.

While Mobius Life aims to ensure the content of this site is accurate, current and complete, the company does not accept liability for any errors or omissions, or for the content becoming out of date. It is therefore recommended that you confirm accuracy of the content before relying on such information.

On this website you may be offered hyperlinks to other websites you may be interested in. Mobius Life provides these links for your information only and does not accept any responsibility for the content of those websites (please see the Disclaimer section of these terms and conditions below). The owners of any such linked websites do not necessarily have any link, commercial or otherwise, with Mobius Life.

Intellectual Property Rights

All content on this website, including but not limited to, all information, materials, services, text, graphics, links and sounds are the property of Mobius Life or its licensors and are subject to copyright with all rights reserved.

You may download or print content or individual sections or pages of the website for personal use and information only, provided you retain all copyright and other proprietary notices.

All other marks, names and logos used on this website (unless otherwise stated) are the intellectual property rights held by companies within Mobius Life and other group companies.

In relation to any information or materials you submit to Mobius Life using this website, you grant to Mobius Life a worldwide royalty-free perpetual licence of the copyright and intellectual property rights in such information or materials for any purpose it deems including, without limitation, the copying, transmission, distribution and publication thereof, unless restricted by applicable law.

You agree that Mobius Life shall not be under any obligation of confidentiality to you regarding any such information or materials submitted to it using this website unless agreed otherwise in a separate direct contract between you and the company or required by law.

You acknowledge that the contents of the foregoing provisions shall not limit any specific provisions set out in the individual terms and conditions of particular products and services offered on or through this website.

Misuse of this website

You agree not to use this website or to allow another person to use this website to reproduce (in whole or in part), modify, de-compile, disassemble or transmit or use for any commercial purpose any content or part of the website without the prior written consent of Mobius Life.

To encourage other websites to frame or hypertext link direct to this website or the content, without Mobius Life’s prior written consent

To introduce a software virus or other disruptive program or perform any act that would cause the website to become unavailable for use by others

You agree not to use this website or to allow another person to use this website in any way (including without limitation posting information on the website where this is available) that is defamatory, obscene, abusive, indecent or menacing or infringes any intellectual property rights or breaches obligations of confidence or is otherwise illegal or unlawful to cause annoyance, inconvenience or needless anxiety to any other person, which is in violation of any applicable law or regulation; in any way not authorised by Mobius Life or in breach of these terms and conditions Mobius Life reserves the right to suspend the provision of all or any part of the website and/or to remove any emails or other postings, or content of any user it has reason to believe has misused the website, is likely to misuse the website or that any third party has cause to believe or complain of the same.

Mobius Life treats all the information you provide with the utmost care and security. This is outlined in the data privacy statements, which you should read with these terms and conditions.

You agree that any information relating to you, collected by Mobius Life from this website may be used, disclosed and transferred for such purposes and to such persons as may be in accordance with its data privacy statements.

Monitoring of Calls

Any calls to Mobius Life may be recorded or monitored for security, and to help the company to develop its service.


While Mobius Life has taken all reasonable steps to ensure the information contained within the pages on the website is accurate, current and complies with all the relevant legislation and regulations at the date of issue, no warranty or representation of any kind regarding the accuracy of or completeness of the website’s content can be provided.

The content on this website is for information only and should not be used to make investment decisions.

Geographic, political, economic, statistical, financial, and exchange-rate data is presented in certain cases in approximate or summary or simplified form and may change over time. Reliance has been placed by the authors of this website on certain external statistical data which is believed to be correct, though due to ongoing market changes the information may not be accurate or could be out of date.

Mobius Life accepts no liability and will not be liable (to the fullest extent permitted by applicable law) for any loss or damage arising directly or indirectly (including special, incidental or consequential loss or damage) from your use of this website, for whatever reason, including any loss, damage or expense arising from, but not limited to, any defect, error, imperfection, fault, mistake, omission or inaccuracy with this website, its contents or associated services, or due to any unavailability of the website or any part thereof or any contents or associated services.

Although Mobius Life will use reasonable endeavours within its control to protect its systems using virus-checking software, any content downloaded from this website is at your own risk. Mobius Life neither assumes nor accepts liability for any loss or damage (direct or indirect), however it was caused, as a result of any computer viruses, Trojan horses, worms, software bombs or other damaging items resulting from your use of the website.

Any hyperlinks from this website exist for information purposes and are for your convenience only. Mobius Life accepts no liability (to the extent permitted by applicable law) for any loss or damage arising directly or indirectly (including consequential loss) from the accuracy or otherwise of materials or information contained on the pages of such websites or loss arising directly or indirectly from defects with such websites. Mobius Life’s inclusion of hyperlinks does not imply any endorsement of the material on such websites.

As email transmission relies on third-party suppliers outside Mobius Life’s control, the company cannot guarantee that any emails from the website will be sent to you or received by Mobius Life, nor does the company warrant the privacy and/or security of such emails during internet transmission.


You hereby agree to indemnify and to keep Mobius Life fully and effectively indemnified (to the fullest extent permitted by law) from and against any action, demand, liability, cost, claim, loss, damage, proceeding or expense (including legal fees, costs and expenses on a full indemnity basis) suffered or incurred by the company arising from or which is directly or indirectly related to:

Your use of the website and the foregoing shall include (but not be limited to) any claim of defamation, libel, slander, obscenity, invasion of privacy or any allegation thereof or infringement or alleged infringement of copyright, trade mark, moral right or patent or of obligations of confidence or any other claims anywhere in the world brought by third parties or any failure by you to meet any third-party obligations.

Any breach or non-observance of any of these online terms and conditions by you.

Any of your actions that are inconsistent with, or are in breach of, your obligations under these terms and conditions, any relevant national or international laws or regulations, or arising out of your gross negligence

The lawful provision of the website to you or to your contractual or other arrangements with third parties relating to these terms and conditions that are brought or threatened against Mobius Life by any other person.

Mobius Life is entitled on any breach of these terms and conditions by you (or in our reasonable opinion a breach is about to occur) to terminate this agreement, your access to the site and use of our Internet services at any time, with or without cause or notice.

Mobius Life Limited is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority.

Mobius Life Limited is registered in England and Wales, registered number 3104978, having its registered office at 3rd Floor, 20 Gresham Street, London EC2V 7JE.