Legal Disclaimers, Terms of Use and Privacy Policy

Legal Entity

GAPP is an unincorporated association.

No professional advice

The information provided on this website is provided for general purposes on matters of interest only and does not constitute legal, accounting, actuarial, tax or other advice.  Such information should not be acted or relied upon as advice and appropriate independent advice should be obtained as necessary in each particular circumstance.

GAPP does not offer any services, professional or otherwise.

Accuracy and limitation of liability

Any comments, information, opinions, guidance or statements made on this website by or on behalf of GAPP or any of its members, is not investment advice or financial promotion.  You should not base any investment, pension, financial or other decisions on any information contained on this website.

GAPP accepts no liability for the accuracy, adequacy and completeness of the information provided on this website, although it has been every effort to ensure that the information contained on this website is complete, accurate and up to date as at the date of publication.  GAPP also accepts no liability for the use or reliance on any information provided on this website.

GAPP may update this website from time to time, and may change the content at any time.  Any of the content on this website may be out of date at any given time, and GAPP is under no obligation to update it.

We will not be liable to any user for any loss or damage, whether in contract, tort (including negligence), breach of statutory duty, or otherwise, even if foreseeable, arising under or in connection with the use of, or inability to use, our site or the use of or reliance on any content displayed on our site. To the extent permitted by law, we exclude all and any warranties given by us (whether express or implied) in connection with your use of this website.


You will not be charged for accessing this website.

GAPP do not guarantee that this website, or any content on it, will always be available or be uninterrupted. Access to this website is permitted on a temporary basis. GAPP may suspend, withdraw, discontinue or change all or any part of this website without notice.  GAPP will not be liable if for any reason this website is unavailable at any time or for any period.

This website is directed to people residing in Guernsey.  GAPP does not represent that content available on or through this website is appropriate or available to people residing in other locations. GAPP may limit the availability of this website to any person or geographic area at any time.

Technological risks

GAPP will not be liable for any loss or damage (including damage to software, data or hardware)  caused by a virus, distributed denial-of-service attack, or other technologically harmful material that may infect computer equipment, computer programs, data or other proprietary material as a result of accessing this website or any website linked to it.


'Cookies' are pieces of information that are stored on an individual’s computer hard drive to enable the individual to more easily communicate and interact with the website. Cookies may be used to customize or improve your experience on the website.

Cookies may also be used to record how many times you have visited the website and what pages you accessed. You may, however, disallow receiving cookies at any time through your web browser. It is not our intention to use cookies to retrieve information that is unrelated to our website or your interaction with our website.

IP Address

The website service provider may collect your IP (Internet Protocol) address to help diagnose problems with their server, and to administer the website. An IP address is a number that is assigned to your computer when you use the Internet.

This information does not contain any personally identifiable information of itself but your IP address may be used to help identify you during a particular session and to gather broad demographic data.

Personal Information 

No personal information is requested collected required or monitored in respect of access to this website's home page or other pages giving general information about GAPP.  Only limited personal information is required collected and monitored and then only in respect of requests for information or for inclusion in GAPP emails. Such personal information will be held and processed in accordance with the Data Protection (Bailiwick of Guernsey) Law, 2001.

The information collected is considered that information which is relevant and limited to that necessary for the uses for which the information is collected.

GAPP will not sell or pass your information on to third parties without your express consent save that GAPP may transfer or assign information concerning your use of this website to third parties as a result of the reorganisation, consolidation or change of control of GAPP.

GAPP may make information concerning users of the website available to law enforcement when requested to do so or as required by law.


The purpose for which personal information is collected may differ depending on how, when and what information is collected. For example, the information collected on and through the website may be used to send you information about seminars and events and other information that we think may interest you. We may use the information we gather for our own marketing purposes.

GAPP uses information collected on and through this website to comply with the purpose for which such information was collected and other purposes, as disclosed at the time such information is provided, or as described in this statement.  You can limit this use by following the instructions in the Unsubscribe section below.


By using this website or providing any person information through this website, you signify your acceptance of these terms, including the transfer of personal information to, and the collection and processing of such personal information in Guernsey and other countries or jurisdictions.  

Member accounts and passwords

Any account details and passwords provided to members must be treated as confidential. Members must not disclose such information to any third party. You are solely responsible for maintaining the confidentiality of your account and password. We will use reasonable endeavours only to maintain the confidentiality of your account and password. Your account is not transferable.  

GAPP may disable any user account or password, whether chosen by the member or allocated by GAPP, at any time, if in GAPP's reasonable opinion the member has failed to comply with any of the provisions of these terms of use.

If you know or suspect that anyone other than you knows your user identification code or password, you must promptly notify us at [INSERT EMAIL OR CONTACT DETAILS].


Where this website contains links to other sites and resources provided by third parties, these links are provided for information purposes only.  GAPP has no control over the contents of those sites or resources.

GAPP assumes no responsibility for the content of websites linked on this website. Such links should not be interpreted as endorsement by GAPP of those linked websites. GAPP will not be liable for any loss or damage that may arise from access or use of such linked websites.

Other sites and resources may contain links to this website.  Such links should not be interpreted as any form of partnership or arrangement between GAPP and the providers of those linked websites. GAPP will not be liable for any loss or damage that may arise from access or use to this website via such links.

Use of Service Providers 

We occasionally hire or partner with other companies to provide limited services on our behalf. We will only provide those companies the personal information they need to deliver the service. They are required to maintain the confidentiality of your information and are prohibited from using that information for any other purpose. 


The use of the internet to transfer information is not secure. Whilst we do our best to maintain security within this website and to safeguard your personal information, we cannot ensure or warrant the security of any information which you may transmit to us. 


We may amend these terms at any time. The latest terms are available at

Governing law and jurisdiction

This website is subject to the law of Guernsey and the jurisdiction of the Guernsey courts.


In these terms, references to:

  • 'we', 'us' and 'our' are references to the Guernsey Association of Pension Providers, non-profit organisation registered no. NP127;
  • 'you' and 'your' are references to any person accessing or otherwise using this website;
  • 'these terms' means collectively these legal notices, terms of use and privacy policy; and
  • 'this website' are references to the website with the domain name of '' and any extension of that domain.

Contact us 

Should you have any queries regarding these terms or the treatment of any personal information which you have provided to the website, or you wish to be removed from the GAPP email list or to update the personal information which you have provided to this website, please contact us by email at [email protected].

Unsubscribing and termination of retention

You may choose to have your name taken off the GAPP e-mail list or have GAPP not provide your information to others in the future by sending an e-mail to [email protected] with the subject line 'Unsubscribe to GAPP'.

Your information will be held as long as considered necessary and retention of information will only cease when considered suitable in accordance with law.