Terms & Conditions

We are happy to allow you access and use of www.littlebluebenefits.com and / or www.getlittleblue.com. Please take time to read these website terms and conditions, our privacy policy and cookie policy (the "Terms") before proceeding, as they set out our agreement with you about use of the website, and are legally binding. Save as set out in these Terms, your use of this website and the content and services which may be accessed through it is at your own risk. Please contact us if you do not understand any point and ask for further information.


Any changes made to these Terms will be posted on this page as amended Terms and you will be asked to accept them. If you do not accept the amended Terms, you will not be authorised to continue to use this website.


1.1 This website is owned and operated by Aon Consulting Limited which is authorised and regulated by the Financial Conduct Authority (register number: 184915). Aon Consulting Limited is a company registered in England and Wales under company number 3127195. Our registered office and main trading address is Briarcliff House, Kingsmead, Farnborough, Hampshire GU14 7TE. VAT number GB 480 840 148. We will promptly advise you if at any time our authorisation is removed or suspended.

1.2 References in this website to "we", "our" or "us" are references to Aon Consulting Limited, the Aon Group and/or their respective third party service providers and/or subcontractors.

1.3 References to the Aon Group include Aon Consulting Limited and its affiliates. References to "you" and "your" means each natural or legal person who uses this website or the services.

1.4 Your contractual relationship in relation to this website and the services provided through it is at all times with Aon Consulting Limited and not with any of our affiliates, third party service providers or their subcontractors.


2.1 This website is designed for employers of defined contribution pension schemes to review the details posted here about our Littleblue2go offering and/or purchase the Littleblue2go services for your business. Once you have purchased the Littleblue2go services, you may also use the website in accordance with the terms of the Littleblue2go terms and conditions.


3.1 The information on this website does not constitute pensions, retirement, financial, investment, tax, legal or any other advice. You should always seek appropriate professional advice in relation to such decisions and satisfy yourself that any action you may take in reliance on the information provided on the website is suitable in your particular case.

3.2 Any information and guidance provided on this website is basic information and general guidance only. No specific recommendations regarding investments and/or their providers are provided.


4.1 When using our website, you must comply with the provisions of our acceptable use policy as set out in clause 5 below.

4.2 We reserve the right to suspend, withdraw or restrict access to the website, or any part of it, at any time for any purpose we deem reasonable, without notice. This includes where we believe that you have breached these Terms.

4.3 We shall not be obliged to restore any of your data which may be deleted in the course of suspending, withdrawing or restricting your access to the website. It is your responsibility to print out and/or save any materials or data which you may require in the future.

4.4 These Terms govern your access to information available on the website including information you provide and facilities and services offered via the website.

4.5 You are responsible for making all arrangements necessary for you to have access to our website including accessing the internet and installing, configuring and obtaining licences for any software required to use and access this website and for ensuring that software is operating properly .

4.6 If you choose, or are provided with, a user ID, password or any other information as part of our security procedures, you must treat such information as confidential, and you must not disclose it to any third party. You are responsible for all use of the website when access is obtained through the use of your user ID and password, whether or not authorised. For your security, we recommend that you close all open browsers relating to this website on completion of your visit.


5.1 You may only use this website and any services provided through it for lawful purposes. You must comply with the acceptable use policy set out in this section.(the "Acceptable Use Policy").

5.2 You must not nor must you allow another person to:

5.2.1 knowingly transmit any data, send or upload any material that is corrupt or contains viruses, Trojan horses, worms, time-bombs, keystroke loggers, spyware, adware or any other harmful programs or similar computer code designed to adversely affect the operation of any computer software or hardware or perform any act that would cause the website to become unavailable for use by others (including via any form of denial-of service attack);

5.2.2 access without authority, interfere with, damage or disrupt any part of our website, any software, the server or other equipment or network used in the provision of our website (including where owned or used by any third party).

5.3 Breach of these above two requirements is a criminal offence under the Computer Misuse Act 1990. We will report any such breach and disclose your identity to the relevant law enforcement authorities.

5.4 Additionally, you agree not to use this website or to allow another person to use this website (including any content or materials on the website):

5.4.1 in any way that breaches any applicable local, national or international law or regulation;

5.4.2 in any way that is fraudulent or has any fraudulent purpose or effect;

5.4.3 for your own or another person's commercial purposes;

5.4.4 to modify, adapt, decipher, decompile, disassemble or reverse engineer any of the software comprised in or in any way making up a part of the website or services provided by the website;

5.4.5 to scrape, reproduce, duplicate, copy, modify, distribute, publish, resell or transmit any element comprised in this website, including any software comprised in it, the content or the services provided through it;

5.4.6 to harm or attempt to harm minors in any way;

5.4.7 to send, knowingly receive, upload, download (except for page caching as required to view this website on the internet in accordance with these Terms), post, distribute, disseminate, or otherwise transmit, any material which is inaccurate, illegal, defamatory, offensive, infringing, obscene, indecent, unsolicited, unauthorised (including "spam") or otherwise objectionable or which may expose you or us to legal action or reputational damage;

5.4.8 to obtain or attempt to obtain unauthorised access to or interfere with, damage or disrupt any part of this website, any computer systems, equipment, software or networks on or through which this website is stored or operated;

5.4.9 to access or interfere with another person's records, impersonate another person or create or use a false identity or e-mail address;

5.4.10 to use any technology or processes of any kind to access, acquire, copy, monitor, navigate or search the website or any portion of it (including the use of data mining, robots or similar data gathering and extraction tools); or

5.4.11 in any way that is not authorised by us.

5.5 You will fully co-operate with us where any law enforcement authorities, regulators or court order requests or directs us to disclose the identity or locate anyone posting any material in breach of our Acceptable Use Policy.


6.1 We may monitor and log user activity, and any material contributed by users for security purposes and in order to identify any actual or potential misuse of the website.

6.2 Failure to comply with our Acceptable Use Policy constitutes a material breach of these Terms.

6.3 Where we have reason to believe that you have, or you are likely to, use the website in breach of our Acceptable Use Policy, we may take such action as we reasonably deem appropriate including: immediate, temporary or permanent withdrawal of your right to use the website; immediate, temporary or permanent removal of any material contributed by you to the website; legal proceedings against you; and/or disclosure of such information to law enforcement authorities or regulators as we reasonably feel is necessary.


7.1 All intellectual property rights in the website, in the material published on it and in its component systems are owned by, licensed or sub-licensed to us. All content on the website is subject to copyright with all rights reserved.

7.2 You must not remove any acknowledgement that we or any of our contributors is the author of any website content.

7.3 You may download or print content or individual sections or pages of the website for use in your capacity as employer of your company pension scheme only and

7.4 You must not use any illustrations, photographs, video or audio sequences or any graphics separately from any accompanying text or explanation.

7.5 You must not post to any social media or modify the paper or digital copies of any materials that you have printed off or downloaded from this website.

7.6 You must not modify, adapt, copy, distribute, download (except for page caching as required to view this website on the internet in accordance with these Terms), or post material from the website, nor may you store any part of the website in any other website or include it in any public or private electronic retrieval system or service.

7.7 If you print off, copy, download or post to social media any part of our website in breach of these Terms you must, at our option, return or destroy any copies of the materials you have made.

7.8 You must not use any part of the materials on our website for commercial purposes without first obtaining our written consent. To enquire, please contact us at letstalkbenefits@aon.co.uk


8.1 You may be able to apply for or request a change to certain products provided by third parties via this website. We are not responsible for products provided by third parties. Third party products are governed by separate terms and conditions of supply.

8.2 You agree that we are not responsible or liable for any loss or damage you may suffer or incur in connection with the terms and conditions applying to any contract entered into or varied by you with any third party in relation to any product or for any acts, omissions, errors or defaults of any third party in connection with those terms and conditions.

8.3 It is your responsibility to seek independent advice or otherwise satisfy yourself that you wish to buy, sell or request a change to any product before doing so.


9.2 The existence of a link through to a pension provider or other third party's website is not a recommendation of the product of services offered on any such website or by its owners. We do not accept any responsibility or liability for the content of those websites nor the services or products offered through such websites. It is your responsibility to check the terms and conditions of any other websites or resources you may visit and you use them and the products and/or services made available through them at your own risk.


You are not permitted to link (or encourage any third party to link) any page on a third party website to any part of our website including by framing or hypertext link.


To the fullest extent possible under any applicable law we exclude all warranties whether express or implied with regard to this website, its content and any services accessed through it.



12.1 Nothing in these Terms excludes or limits any duties or liabilities that we owe to you under the Financial Services and Markets Act 2000 or the rules of the Financial Conduct Authority, nor any other liability that cannot be excluded or limited under applicable law.

12.2 Subject to clause 12.1, we do not accept liability for any:

12.2.1 all conditions, warranties and other terms which might otherwise be implied by law, statute, common law of the law of equity;

12.2.2 losses or damage caused to you in connection with or resulting from your use of this website;

12.2.3 websites linked to it, any content, materials or information posted on it; or

12.2.4 any services obtained through it, including liability for:

  • loss of income or revenue;
  • loss of profits (whether direct or indirect); loss of contracts;
  • loss of anticipated savings;
  • loss, corruption or misuse of data;
  • loss or damage caused by unavailability of the web site; and
  • loss or damage caused by actions taken in response to breaches of our Acceptable Use Policy.

12.3 Whilst we take reasonable steps to ensure that the content of this website is accurate, current and complete, this website and the content and services available via it are provided "as is". We do not accept liability for the accuracy or completeness of any website content. We do not accept liability for any errors or omissions or for the content becoming out of date. Certain features of the website will rely on data provided by you, or by your employer (or other third parties) in order to generate output. We recommend that you confirm the accuracy and completeness of any website content before relying on it.

12.4 Although we take all reasonable steps to protect our systems using virus checking software, please note that any content downloaded from the website is at your own risk. We do not accept liability for any loss or damage that you suffer as a result of any distributed denial-of-service attacks, computer viruses, Trojan horses, worms, software bombs or other damaging items resulting from your use of the website. You are responsible for protecting your computer systems from exposure to viruses by the use of anti-virus software, firewalls and any other technical measures necessary.

12.5 We shall not be liable to you or any third party if for any reason our website, or any part of it, is unavailable at any time or for any period of time.

12.6 We do not charge you a separate fee for access to and use of this website. On this basis, our total liability for any losses and/or damage suffered by you will be limited to £500


You agree to reimburse us for all reasonable losses, costs, expenses, damages, liabilities, actions or proceedings suffered or incurred by us, any member of the Aon Group, or any of our sub-contractors or service providers arising from any use of the website by you in breach of these Terms including our Acceptable Use Policy.


14.1 The only item offered for sale on the website is the Littleblue2go service, which is subject to the Littleblue2go terms and conditions and eligibility criteria (both our own and those of the relevant pension provider).


15.1 Please note that information about you is processed in accordance with our Privacy Policy which forms part of these Terms. It is important that you check our [hyperlink to Privacy Policy] and that you agree to its contents before you continue using the website. Your continued use of the website will be deemed to confirm that you agree to our Privacy Policy (including our policy in relation to Cookies) and that they apply to your use of the website and all of the information you provide via the website.

15.2 Whenever you are asked to provide information in connection with the website or the related services, you agree to provide true, accurate, current and complete details. It is your responsibility to check your data to ensure that it is correct and up to date and to advise us or amend it as necessary.

15.3 It may not be possible to provide you with the Littleblue2go services if you do not provide the information required (unless we have indicated this information is optional

15.4 We shall not be subject to any obligations of confidentiality regarding submitted information except as outlined in our Privacy Policy or as otherwise specifically agreed or required by law.


16.1 The headings used in these Terms are for convenience only and shall not affect their interpretation.

16.2 In these Terms, unless specified otherwise, use of the singular includes the plural, use of any gender is deemed to include every gender and any reference to a person includes a corporation, a partnership and any other body or entity, and vice versa.

16.3 Use of the words, includes or including or similar words or phrases means without limitation and the use of these or similar words or phrases shall not limit the meaning of the general words.


17.1 Each of the provisions of these Terms (or part of any provision) is severable. If any such provision is or becomes illegal, invalid or unenforceable in any respect under the law of any jurisdiction that shall not affect the legality, validity or enforceability of the other provisions of these Terms. The provision itself shall apply with the minimum modification necessary to make it legal, valid and enforceable.

17.2 Failure or delay by us in enforcing these Terms shall not be a waiver of that or any other provision of these Terms.

17.3 None of these Terms shall be enforceable under the Contracts (Rights of Third Parties) Act 1999 by any third party.

17.4 You may not assign any of your rights or obligations under these Terms.

17.5 These Terms (including for the avoidance of doubt the Privacy Policy) constitute the whole agreement and understanding between you and us in relation to their subject matter and the use of this website. Except in case of fraud, all previous agreements, understandings, undertakings, representations, warranties, promises and arrangements between you and us relating to the subject matter of these Terms or your use of this website are superseded, except as otherwise expressly stated in these Terms.

17.6 We reserve the right at any time and without notice to remove, amend or vary any content on any page of this website, including these Terms.

17.7 You agree that any notices and other communication may be given by us by e-mail or posted on this website and this will comply with any legal requirement for such communications to be in writing. You also agree that any notice or other communication made in such manner will be deemed received by you twenty four (24) hours after e-mail or posting.


18.1 These Terms and any dispute or claim arising out of or in connection with them or their subject matter or formation (including non-contractual disputes or claims) shall be governed by and construed in accordance with the law of England and Wales.

18.2 The English courts will have exclusive jurisdiction to hear and determine or otherwise settle any claim, suit, dispute or action arising out of or in connection with these Terms or their subject matter or a visit to this website or use of the services.