Terms and Conditions


By using trustandpension.com you agree to be bound by these terms, which shall take effect immediately on your first use of trustandpension.com. If you do not agree to be bound by all of the following terms please do not access, use and/or contribute to trustandpension.com. Overseas Trust and Pension may change these terms from time to time and so you should check these terms regularly. Your continued use of trustandpension.com will be deemed acceptance of the updated or amended terms. If you do not agree to the changes, you should cease using this website.

Use of the Overseas Trust and Pension website (trustandpension.com)

You agree to use trustandpension.com only for lawful purposes, and in a way that does not infringe the rights of, restrict or inhibit anyone else’s use and enjoyment of trustandpension.com. Prohibited behaviour includes harassing or causing distress or inconvenience to any person, transmitting obscene or offensive content or disrupting the normal flow of dialogue within trustandpension.com.


Overseas Trust and Pension has tried to ensure that the contents and information it provides on its website is accurate at the time of posting. Unfortunately it cannot guarantee the accuracy of contents or information contained in its pages and any person using information contained in them does so entirely at their own risk. Overseas Trust and Pension reserves the right to make changes without notice.

Copyright and use

All text, images and other content on this website is copyright of Overseas Trust and Pension unless explicitly stated otherwise. It may only be downloaded or copied without first obtaining permission for personal, non‑commercial use.

If you wish to reproduce website content in any other way, or for any other purpose, you must first contact Overseas Trust and Pension for permission.


Overseas Trust and Pension may have links to other websites. Overseas Trust and Pension is not responsible for the contents, nor does it warrant the accuracy or reliability of any linked website. Overseas Trust and Pension, to the extent permissible by law, excludes all liability which may arise from your use or reliance on the information or contents contained in the linked site.


All trademarks on this site remain the property of their respective owners and are used for identification purposes only.

Virus protection

Although care is taken to check and test material at all stages of production, Overseas Trust and Pension cannot accept any responsibility for any loss, disruption or damage to your data or your computer system which may occur whilst using material derived from this website.

Intellectual property

By sharing any contribution (including any text, photographs, graphics, video or audio) with Overseas Trust and Pension you agree to grant to Overseas Trust and Pension, free of charge, permission to use the material in any way it wants (including modifying and adapting it for operational and editorial reasons).

Copyright in your contribution will remain with you and this permission is not exclusive, so you can continue to use the material in any way including allowing others to use it.