This page provides certain information and disclosures relating to your use of our websites

This page (together with the documents referred to on it) provides certain information and disclosures relating to your use of our websites, including, and any sub-domains (our site). Please read these carefully, together with our Terms of Use, before you start to use our site. Some of the information or documents referred to on this page will open in a new window.


Risk First Group Limited (incorporated in England and Wales, Companies House registration number 08692541) is the parent entity of the RiskFirst business. The registered office of all of the RiskFirst UK entities is 77 Kingsway, London WC2B 6SR.

Email Policy

If you communicate with RiskFirst and/or its personnel via email, please note that:

  • email messages are for the sole use of the intended recipient and may contain material that is confidential and may be legally privileged and/or attorney work product. Any review, reliance or distribution by others or forwarding without express written permission of RiskFirst is strictly prohibited. If you are not the intended recipient, please contact the sender and delete all copies
  • email messages from RiskFirst personnel cannot on their own form the basis of a binding legal agreement or an offer that is open for acceptance. Except where the contrary is expressly stated, RiskFirst personnel do not have authority to bind any RiskFirst group entity

There are other policies, terms and conditions, and similar arrangements that may apply to your communications and interactions with RiskFirst and/or its personnel and websites. These include (you can access them by clicking on the links below):

Terms of Use
Privacy Policy

If you are in doubt as to which of these apply to you, please email

Anti-Corruption and Bribery

It is RiskFirst’s policy to conduct all of our business in an honest and ethical manner. We take a zero-tolerance approach to bribery and corruption and are committed to acting professionally, fairly and with integrity in all our business dealings and relationships wherever we operate and implementing and enforcing effective systems to counter bribery. We expect the same of our business partners, counterparties, staff, contractors and service providers.

Accordingly, RiskFirst has in place a formal anti-corruption and bribery policy, which can be accessed by clicking on the link below:

Anti-Corruption and Bribery Policy.

Intellectual Property

The methodology and intellectual property underlying our products and services has been developed by RiskFirst and represents an important business asset. We have applied for, and in some cases been granted, patent protection in relation to a number of these inventions, including methods of quantifying longevity risk exposure and determining payments in accordance with our longevity financial instruments, methods of establishing various longevity bond products and methods and systems for reporting risk in a pension scheme. These inventions have been filed in various jurisdictions including the United States, Europe and Canada. Names or marks including Retiring Risk, PensionsFirst and PFaroe are registered trademarks in one or more jurisdictions and the RiskFirst, the RiskFirst logos and Defining Risk are unregistered trademarks of RiskFirst. We also assert, in the UK and elsewhere, copyright over written material produced in relation to our products and services, as well as any other intellectual property rights and protections.

Certain ratings and other information available through PFaroe are proprietary to Moody’s Analytics, Inc. and its licensors and are protected by copyright and other intellectual property laws. Moody’s is a registered trademark.

Certain other marks mentioned in this site are trademarks of other third parties.