This page (together with the documents referred to on it) tells you the terms of use by which you may make use of our website Please read these terms of use carefully before you start to use this website. By using our website, you indicate that you accept these terms of use and that you agree to abide by them. If you do not agree to these terms of use, please refrain from using our website.

Who we are

This website is operated by Hymans Robertson LLP ("We").  We are a limited liability partnership registered in England and Wales under LLP registration number OC310282 and have our registered office at One London Wall London EC2Y 5EA. 

We are VAT registered. Our VAT Registration Number is GB 918394102. 

Hymans Robertson LLP is authorised and regulated by the Financial Conduct Authority and is licenced by the Institute and Faculty of Actuaries for a range of investment business activities.  

Related terms 

There are other terms that may apply to your use of our website.  

Our Privacy Policy.  See how we may use your personal information.  

Our Cookie Policy, which sets out information about the cookies on our site.  

If you access our Online Services via a secure portal, we will agree a client service agreement with you separately.  

Accessing our website

This website is intended for use by UK residents only.  

Access to our website is permitted on a temporary basis, and we reserve the right to withdraw or amend the service we provide on our website without notice (see below). We will not be liable if for any reason our website is unavailable at any time or for any period.

From time to time, we may restrict access to some parts of our website, or our entire website, to users who have registered with us. If you are provided with a user identification code, password or any other piece of information as part of our security procedures, you must treat such information as confidential, and you must not disclose it to any third party.   If you know or suspect that anyone other than you knows your user identification code or password, you must promptly notify your Hymans’ consultant or email

You are responsible for making all arrangements necessary for you to have access to our website. You are also responsible for ensuring that all persons who access our website through your internet connection are aware of these terms of use, and that they comply with them.

Intellectual property rights

The copyright and other intellectual property rights in the pages of our website, the information and content they contain and their design and layout (including software, databases, data and other information) belong to us and/or our licensors. Certain images are reproduced under licence. All such rights are reserved.

You may print or download one copy of pages from our website for your personal, non-commercial use only. Any other reproduction of any part of our website is prohibited. Printed or downloaded copies of any pages on this website must be referred in the full and complete form it was published here (including any accompanying text or caveats) and you may not make any modifications to its contents.  In particular, you must not use any illustrations, photographs, video or audio sequences or any graphics separately from any accompanying text.

If you refer to or quote any information on our website you must acknowledge us (and any identified contributors) as the source.

PRISM is a registered trade mark of Hymans Robertson LLP. 

If you breach any of these terms of use, your right to use our website will cease immediately and you must, at our option, return or destroy any copies of any pages of the website you have made.

© 2023 Hymans Robertson images reproduced under licence. All rights reserved. 

Reliance on information posted

Commentary and other materials posted on our website are not intended to amount to advice on which reliance should be placed. We therefore disclaim all liability and responsibility arising from any reliance placed on such materials by any visitor to our website, or by anyone who may be informed of any of its contents.

The information contained in this website should not be regarded as advice or an offer, invitation or solicitation to enter into any financial obligation, activity or promotion of any kind as defined by the Financial Services and Markets Act 2000.

You accept that any modelling tool uses generic assumptions and does not take into account your own personal financial circumstances and therefore should not be relied upon by you. You acknowledge that any modelling tool is for illustrative purposes and is not a substitute for you obtaining independent financial advice. These assumptions are displayed on this website.

Please note the value of investments, and income from them, may fall as well as rise. This includes equities, government or corporate bonds, currency, derivatives, property and other alternative investments, whether held directly or in a pooled or collective investment vehicle. Further, investments in developing or emerging markets may be more volatile and less marketable than in mature markets. Exchange rates may also affect the value of an investment. As a result, an investor may not get back the full amount originally invested. Past performance is not necessarily a guide to future performance.

No Text, data mining or web scraping

You shall not conduct, facilitate, authorise or permit any text or data mining or web scraping in relation to our  website or any services provided via, or in relation to, our  website. This includes, but is not limited to:

  • any "robot", "bot", "spider", "scraper" or other automated device, program, tool, algorithm, code, process or methodology to access, obtain, copy, monitor or republish any portion of the site or any data, content, information or services accessed via the same; and
  • any automated analytical technique aimed at analysing text and data in digital form to generate information which includes but is not limited to patterns, trends and correlations.

The provisions in this clause should be treated as an express reservation of our rights in this regard. This clause shall not apply insofar as (but only to the extent that) we are unable to exclude or limit text or data mining or web scraping activity by contract under the laws of England and Wales.

Our site changes regularly

We aim to update our site regularly, and may change the content at any time. If the need arises, we may suspend access to our site, or close it indefinitely. Any of the material on our site may be out of date at any given time, and we are under no obligation to update such material.

Our liability

The material displayed on our website is provided without any guarantees, conditions or warranties as to its accuracy or completeness. To the extent permitted by law, we, other members of our group of companies and third parties connected to us hereby expressly exclude:

  • all conditions, warranties and other terms which might otherwise be implied by statute, common law or the law of equity.
  • any liability for any direct, indirect or consequential loss or damage incurred by any user in connection with our website or in connection with the use, inability to use, or results of the use of our website, any websites linked to it and any materials posted on it, including, without limitation any liability for:
    • loss of profits, sales, business, or revenue;
    • loss of business opportunity, goodwill or reputation;
    • business interruption;
    • loss of anticipated savings;
    • loss of data; and
    • for any other loss or damage of any kind, however arising and whether caused by tort (including negligence), breach of contract or otherwise, even if foreseeable.

This does not affect our liability for death or personal injury arising from our negligence, nor our liability for fraudulent misrepresentation or misrepresentation as to a fundamental matter, nor any other liability which cannot be excluded or limited under applicable law.