Welcome to Pension Starter Guide (“we”, “us”, “our”, or the “Website”).

These Terms & Conditions govern your use of this Website. By accessing or using the Website, you agree to be bound by these Terms. If you do not agree, you must not use the Website.

1. About This Website

This Website provides general educational and informational content relating to pensions, retirement planning, financial awareness, and related topics.

The content is intended for informational purposes only and does not constitute:

• financial advice;
• investment advice;
• pension transfer advice;
• tax advice;
• legal advice; or
• any other regulated professional service.

Nothing on this Website should be interpreted as a recommendation tailored to your personal circumstances.

2. Eligibility to Use the Website

By using this Website, you confirm that:

• you are at least 18 years old, or you are using the Website under appropriate supervision where legally permitted;
• you have legal capacity to enter into these Terms; and
• your use of the Website complies with applicable laws and regulations in your jurisdiction.

3. Informational Use Only

The Website is provided solely for general information and educational purposes.

Pension, tax, investment, and retirement rules can vary significantly depending on your country, personal circumstances, and changes in law or regulation.

You should seek independent professional advice before making financial, pension, investment, or retirement-related decisions.

4. No Adviser-Client Relationship

Your use of this Website does not create:

• a professional-client relationship;
• a fiduciary relationship;
• a regulated advisory relationship; or
• any duty to provide personalised recommendations.

5. Accuracy of Information

We aim to provide useful and accurate information.

However, we do not guarantee that any content on the Website is:

• complete;
• accurate;
• current;
• suitable for your circumstances; or
• free from errors or omissions.

Pension legislation, tax rules, government policy, and financial regulations may change without notice.

You are responsible for independently verifying information before relying on it.

6. Permitted Use

You may use the Website only for lawful personal, educational, or informational purposes.

You agree not to:

• use the Website in any unlawful manner;
• attempt to gain unauthorised access to systems or data;
• interfere with the operation or security of the Website;
• copy, scrape, harvest, or extract content at scale using automated means without written permission;
• transmit malware, malicious code, or harmful material;
• use the Website in a way that could damage our reputation or operations.

7. Intellectual Property

Unless otherwise stated, all content on this Website—including text, branding, graphics, logos, design elements, layout, and original written materials—is owned by or licensed to us and is protected by applicable intellectual property laws.

You may:

• view pages for personal use;
• print reasonable excerpts for personal, non-commercial use.

You may not without prior written consent:

• reproduce;
• republish;
• distribute;
• commercially exploit;
• modify; or
• create derivative works from our content.

8. User Submissions

If you contact us, submit information, comments, feedback, or content through forms, email, or other channels:

• you confirm that the information provided is accurate to the best of your knowledge;
• you grant us a non-exclusive right to use, store, and respond to that communication as reasonably necessary for operating the Website.

You must not submit unlawful, defamatory, infringing, or malicious content.

9. Third-Party Links

The Website may contain links to third-party websites, services, tools, or resources.

These links are provided for convenience only.

We do not control or endorse third-party websites and are not responsible for:

• their content;
• their availability;
• their privacy practices;
• their terms; or
• any loss arising from their use.

Your use of third-party websites is entirely at your own risk.

10. Affiliate Relationships and Advertising

The Website may contain affiliate links, sponsored content, or advertising.

If you click certain links or make purchases through them, we may earn a commission at no extra cost to you.

Any such commercial relationship does not necessarily affect editorial independence unless expressly stated.

You remain solely responsible for evaluating any product, provider, or service.

11. No Warranties

To the fullest extent permitted by law, the Website is provided on an “as is” and “as available” basis.

We make no express or implied warranties regarding:

• availability;
• uninterrupted access;
• security;
• compatibility;
• accuracy;
• reliability; or
• fitness for a particular purpose.

12. Limitation of Liability

To the fullest extent permitted by applicable law, we shall not be liable for any direct, indirect, incidental, consequential, or special loss arising from or connected with your use of the Website.

This includes, without limitation:

• financial loss;
• pension-related loss;
• tax-related loss;
• investment loss;
• business interruption;
• data loss; or
• loss arising from reliance on Website content.

Your use of the Website is entirely at your own risk.

13. Indemnity

You agree to indemnify and hold harmless Pension Starter Guide, its owners, affiliates, contributors, and representatives from any claims, liabilities, damages, losses, or expenses arising from:

• your misuse of the Website;
• your breach of these Terms; or
• your violation of applicable law.

14. Privacy and Cookies

Your use of the Website is also subject to our:

• Privacy Policy
• Cookie Policy

Those policies explain how personal information and cookies are handled when you use the Website.

15. International Users

The Website is primarily intended for users in the United Kingdom.

If you access the Website from another country, you do so on your own initiative and are responsible for compliance with local laws.

We make no representation that Website content is appropriate or legally compliant in every jurisdiction.

16. Changes to These Terms

We may update these Terms & Conditions at any time without prior notice.

Changes take effect when published on this page.

Your continued use of the Website after changes are posted constitutes acceptance of the revised Terms.

17. Governing Law

These Terms & Conditions shall be governed by and interpreted in accordance with the laws of England and Wales, unless otherwise required by mandatory local law.

Any disputes arising in connection with these Terms shall be subject to the exclusive jurisdiction of the courts of England and Wales, unless otherwise required by applicable consumer protection law.

18. Contact Information

For questions regarding these Terms & Conditions, contact:

Pension Starter Guide
info@pensionstarterguide.com