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Terms of Use

Last Updated: 10 June 2025

Welcome to PensionWise Navigator. These Terms of Use govern your access to and use of www.pensionwisenavigator.co.uk (the "Website"). Please read these Terms carefully before using our Website.

By accessing or using our Website, you agree to be bound by these Terms. If you do not agree with any part of these Terms, you may not access or use our Website.

1. Educational Purpose

PensionWise Navigator provides educational content about retirement planning and pension concepts. All content on this Website is provided for general information and educational purposes only.

1.1 Not Financial Advice

The information provided on this Website does not constitute financial, investment, tax, or legal advice. We do not recommend or endorse specific investments or strategies. You should consult with a qualified professional before making any financial decisions.

1.2 No Guarantee

While we strive to provide accurate and up-to-date information, we make no representations or warranties of any kind, express or implied, about the completeness, accuracy, reliability, suitability, or availability of the information contained on our Website.

2. Intellectual Property

2.1 Ownership

The Website and its original content, features, and functionality are owned by PensionWise Navigator and are protected by international copyright, trademark, patent, trade secret, and other intellectual property or proprietary rights laws.

2.2 Limited License

We grant you a limited, non-exclusive, non-transferable, and revocable license to access and use our Website for personal, non-commercial purposes in accordance with these Terms.

2.3 Restrictions

You may not:

  • Modify, copy, distribute, transmit, display, perform, reproduce, publish, license, create derivative works from, transfer, or sell any information obtained from our Website without our prior written permission.
  • Use our Website for any commercial purpose or for the benefit of any third party.
  • Attempt to decompile or reverse engineer any software contained on our Website.
  • Remove any copyright or other proprietary notations from the materials.
  • Transfer the materials to another person or "mirror" the materials on any other server.

3. User Conduct

When using our Website, you agree to:

  • Comply with all applicable laws and regulations.
  • Not use our Website in any way that could damage, disable, overburden, or impair it.
  • Not attempt to gain unauthorized access to our Website, computer systems, or networks.
  • Not use any robot, spider, or other automatic device or manual process to monitor or copy content from our Website.
  • Not introduce viruses, trojans, worms, logic bombs, or other malicious or technologically harmful material.

4. Third-Party Links

Our Website may contain links to third-party websites that are not owned or controlled by us. We have no control over, and assume no responsibility for, the content, privacy policies, or practices of any third-party websites. We do not warrant the offerings of any of these entities/individuals or their websites.

5. Privacy

Your use of our Website is also governed by our Privacy Policy, which is incorporated into these Terms by reference. Please review our Privacy Policy.

6. Disclaimer of Warranties

Our Website and its content are provided on an "as is" and "as available" basis. PensionWise Navigator makes no warranties, expressed or implied, and hereby disclaims and negates all other warranties, including without limitation, implied warranties or conditions of merchantability, fitness for a particular purpose, or non-infringement of intellectual property or other violation of rights.

Further, PensionWise Navigator does not warrant or make any representations concerning the accuracy, likely results, or reliability of the use of the materials on its Website or otherwise relating to such materials or on any websites linked to this Website.

7. Limitation of Liability

In no event shall PensionWise Navigator or its suppliers be liable for any damages (including, without limitation, damages for loss of data or profit, or due to business interruption) arising out of the use or inability to use the materials on our Website, even if we or an authorized representative has been notified orally or in writing of the possibility of such damage.

8. Indemnification

You agree to indemnify and hold harmless PensionWise Navigator, its affiliates, officers, agents, employees, and partners from and against any and all claims, liabilities, damages, losses, costs, expenses, or fees (including reasonable attorneys' fees) that such parties may incur as a result of or arising from your violation of these Terms.

9. Termination

We may terminate or suspend your access to all or part of our Website, without notice, for any conduct that we, in our sole discretion, believe is in violation of any applicable law or is harmful to the interests of another user, a third-party provider, a service provider, or us.

10. Changes to Terms

We reserve the right to modify these Terms at any time. We will notify you of any changes by updating the "Last Updated" date at the top of these Terms. Your continued use of the Website following the posting of revised Terms means that you accept and agree to the changes.

11. Governing Law

These Terms shall be governed by and construed in accordance with the laws of the United Kingdom, without regard to its conflict of law provisions. Any legal action or proceeding relating to your access to, or use of, the Website or these Terms shall be instituted in the courts of the United Kingdom.

12. Severability

If any provision of these Terms is found to be invalid under any applicable law, such provisions shall be deleted without affecting the remaining provisions herein.

13. Entire Agreement

These Terms, together with our Privacy Policy and Cookie Policy, constitute the entire agreement between you and PensionWise Navigator regarding our Website and supersede all prior and contemporaneous understandings, agreements, representations, and warranties, both written and oral.

14. Contact Information

If you have any questions about these Terms, please contact us at:

Email: [email protected]

Address: PensionWise Navigator, 5 Exchange Quay, Salford M5 3EF

Phone: +441618008008

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PensionWise Navigator is dedicated to providing educational resources about retirement financial planning, helping individuals understand the principles of securing their financial future.

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