Information about us and this website

Last updated: 03/01/2015

Annuity Choices Limited is run by two former independent financial advisers who between them have over 40 years of experience of providing financial advice to private clients.

The purpose of the site is to provide free information to educate visitors in the features, benefits and downsides of the retirement income options available to people who have money invested in personal pension plans and similar pension arrangements.

Rather than provide guide booklets, the information is provided in the form of articles which are targeted at the specific topics covered by this website.

The articles provided are split into categories, which can be accessed from the menus in the side columns on each page of the site.

Once you have entered your category of choice you will find lists of articles for your perusal.

In addition, the articles can be viewed according to their individual tags or you can use the Search Box at the top of the screen to search for articles containing the specific word that you are interested in.

To help you make decisions about the future of your pension funds, you could speak to a pensions adviser who will help you decide on the best options for you.

In our experience, most people benefit from taking advice.

We hope that you find useful and thank you for visiting our website.

Registered address:

71-75 Shelton Street
Covent Garden
London WC2H 9JQ

Company Number:


Information about our privacy policy

Annuity Choices Limited is committed to preserving the privacy of all visitors to this website. Please read the following privacy policy to understand how we use and protect the information that you provide to us.

By browsing this site, you consent to the collection, use and transfer of your information under the terms of this policy.

Information That We Collect From You

We may collect information about the following:


Your usage of our website as well as information about you from any messages you post to the website and/or e-mails or letters you send to us.


Information about your visit, including but not limited to: your IP Address, operating system, browser version, geographical location, length of your visit and pages visited. This information is held on our server logs and is used for generating anonymous statistics to help us improve our service to you. We reserve the right to use this information to investigate and take action against any misuse of the site.


Information provided by you via online forms. This includes, but is not limited to; enquiries, complaints, registration forms.


Any transaction you perform on our site. This includes personal information that may identify you for the purposes of the transaction and any account you may hold with us. We may also use this information for anonymous statistical purposes.

Use Of Your Information

We may also use your information for all or any of the following purposes:-


To generate anonymous statistical reports. These are essential to give us an overview of how our site is being used and enables us to improve our service.


Personal data submitted to this site may be used for the following, plus any purpose stated on the relevant part of the site:

administer the website;

improve your browsing experience by personalising the website;

enable your use of the services available on the website;

supply to you services purchased via the website;

send statements and invoices to you and collect payments from you;

send you general commercial communications;

send you email notifications which you have specifically requested;

provide third parties with statistical information about our users – without identifying any individual user;

deal with enquiries and complaints made by or about you relating to the website.


Any other purpose stated on the relevant part of our website at the point the data is gathered.

Disclosure Of Your Information

The information you provide to us will be held on our computers in the UK.

We may also pass aggregate information on the usage of our site to third parties but this will not include information that can be used to identify you.

If our business enters into a joint venture with or is sold to or merged with another business entity, your information may be disclosed to our new business partners or owners.

Unless required to do so by law, we will not otherwise share, sell or distribute any of the information you provide to us without your consent.


Cookies are small amounts of information which we store on your computer. Cookies make it easier for you to log on to and use the site during future visits. They also allow us to monitor website traffic and to personalise the content of the site for you. You may set up your computer to reject cookies although, in that case, you may not be able to use certain features on our site.

Click here to read our cookie policy.

Users can opt out of some, but not all, of these cookies in one location at the Network Advertising Initiative opt-out website at

Security And Data Retention

We employ security measures to protect your information from access by unauthorised persons and against unlawful processing, accidental loss, destruction and damage. We will retain your information for a reasonable period or as long as the law requires.

Accessing And Updating

You are entitled to see the information held about you and you may ask us to make any necessary changes to ensure that it is accurate and kept up to date. If you wish to do this, please contact us.

We are entitled by law to charge a fee of £10 to meet our costs in providing you with details of the information we hold about you.

Changes to Our Privacy Policy

Any changes to our privacy policy in the future will be posted to the site and, where appropriate, through e-mail notification.