Terms and Conditions


Please read this carefully. These are the terms and conditions which apply to your  use of the pensionsdemystified.com website and downloads made fom it (the "Website").

The Website is provided by Pensions Demystified, a trading name of Mark Miall.

By using our Website you agree to be bound by these terms and conditions and they shall constitute the entire agreement between you and Pensions Demystified (the "Agreement"). These terms apply to your use of the Website and all its content both irrespective of the delivery platform you use – e.g. desktop PC, laptop, mobile device or otherwise – and irrespective of how the content is delivered to you – e.g. via hard copy, web browser, Mobile Internet browser, email, SMS or otherwise.


If we change our terms and conditions, we will notify you of those changes here.


If there is anything you do not understand, or you have a query, please feel free to email us at contact@pensionsdemystified.com


Sign up

If you wish to have access to certain content on or downloads from the Website, you will need to sign up for it. When you sign up, you will be required to provide certain personal information. That information must be true, accurate, correct and complete.


You agree that you will not impersonate any other person or entity or use a false name or a name that you are not authorised to use.


We reserve the right to terminate your access to the Website if any information you provide is untrue, inaccurate, out-of-date or incomplete, or if we believe that you have breached these terms and conditions.

Copyright and trade marks


Copyright in all information, text and images featured in the Website ("the Content"), is owned by or licensed to Pensions Demystified. Provided that you acknowledge Pensions Demystified as the source of the information, you are entitled to save or download one copy of any of the Content for the purposes of reference, but you are not entitled to make any further copies of the work.

All property rights remain with Pensions Demystified. Other than as provided in these terms and conditions, you may not reproduce (in whole or in part), transmit (by electronic means or otherwise), modify, or use for any public or commercial purpose any of the Content without the prior written permission of Pensions Demystified.

Reliance on content


We provide general information only and it is not intended to be relied upon by users in making (or not making) specific investment decisions. The content is not personal to you and cannot take into account your personal circumstances, including your knowledge and understanding, financial strength, tax liability or appetite for risk.

If you need guidance as to how to interpret our content in light of your personal circumstances, you should seek independent advice from an appropriately qualified professional.


We try to ensure that the content is up to date and accurate, but we do not guarantee the accuracy and currency of the information.


We do everything in our power to ensure that the Website is fully operational and available to you at all times. However, in order to make sure it is up to date, on rare occasions access may be interrupted or restricted to allow for maintenance or the introduction of new facilities on the Website.


Links to sites that may interest you

We may provide links to third party sites. Some of these links may generate revenue for us at the time they are clicked on, or if someone subsequently uses the Website of that third party. Links will only be provided if we think they may be of interest to you. We do not endorse or recommend any third party sites, and our editorial is not influenced by the fact that a link may or may not generate revenues.

Breach of these Terms and Conditions

We have the right, but not the obligation, to monitor any activity and content associated with the Website. We may investigate any reported violation of these terms and conditions and take any action that we deem appropriate. This may include, but is not limited to, issuing warnings, suspending, terminating or attaching conditions to your access to and use of the Website.


The failure of Pensions Demystified to exercise or enforce any right or provision of this Agreement shall not operate as a waiver of such right or provision. The section titles in these terms and conditions are for convenience only and have no legal or contractual effect. This Agreement operates to the fullest extent permissible by law. If any provision of this Agreement is unlawful, void or unenforceable, that provision is deemed severable from this Agreement and does not affect the validity and enforceability of any remaining provisions.


This Agreement shall be governed by and construed in accordance with English law and you hereby agree to be subject to the exclusive jurisdiction of the courts of England.