Terms of Use

Terms and Condition

Welcome to the website of United Pension Trustees Limited ("United Pension Trustees", "we", "our", or "us"). By accessing or using this website, you agree to comply with and be bound by the following Terms of Use. If you do not agree, please do not use our website.
United Pension Trustees is a licensed corporate trustee regulated by the National Pensions Regulatory Authority (NPRA) under the National Pensions Act, 2008 (Act 766) and its amendments.

1. Use of the Website

• This website is intended to provide information about our pension products and services.
• You agree to use this website lawfully and not for fraudulent, unauthorized, or harmful purposes.
• All text, graphics, logos, and other content are the property of United Pension Trustees and may not be copied, modified, or used without prior written consent.

2. Eligibility

• By using this website, you confirm that you are at least 18 years old and legally capable of entering into binding agreements.
• Some services may only be available to residents of Ghana or individuals who meet NPRA requirements.

3. No Financial Advice

• The information on this website is for general informational purposes only and does not constitute financial, investment, or legal advice.
• Pension products and services are governed by official scheme documents approved by the NPRA. In the event of any conflict, the approved documents shall prevail.
• Past performance of pension funds does not guarantee future returns.

4. Accounts and Security

• You are responsible for maintaining the confidentiality of your login details and for all activities conducted under your account.
• United Pension Trustees is not liable for any loss or damage arising from unauthorized use of your account.
• We reserve the right to suspend or terminate accounts suspected of misuse or security breaches.

5. Data Protection and Privacy

• We collect and process personal information in accordance with the Data Protection Act, 2012 (Act 843).
• Your information will be used solely for purposes related to pension administration and service delivery.
• For more details, please refer to our Privacy Policy [insert link].

6. Third-Party Links

• Our website may contain links to third-party websites. These are provided for convenience only.
• United Pension Trustees has no control over, and assumes no responsibility for, the content, accuracy, or practices of third-party sites.

7. Limitation of Liability

• While we make reasonable efforts to ensure accuracy, we do not guarantee that the information on this website is complete, up-to-date, or error-free.
• We are not liable for any loss, damage, or expense incurred through reliance on website content, website downtime, unauthorized access, or cyberattacks.

8. Amendments to the Terms

• We may update these Terms of Use at any time without prior notice.
• Continued use of the website after changes are posted constitutes acceptance of the revised terms.

9. Regulatory Compliance

• United Pension Trustees operates in accordance with the National Pensions Act, 2008 (Act 766) and directives from the National Pensions Regulatory Authority (NPRA).
• Nothing on this website overrides legal obligations or regulatory requirements.

10. Governing Law

• These Terms of Use shall be governed by and construed in accordance with the laws of the Republic of Ghana.
• Any disputes shall be subject to the exclusive jurisdiction of the courts of Ghana.