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Terms of Service

Last Updated: February 2026

1. Financial Guidance Disclaimer (Not Advice)

Important: PensionFlex is an informational and guidance tool only. We do not provide "Financial Advice" as defined or regulated by the Financial Conduct Authority (FCA).

  • All calculations are estimates based on 2025/26 UK tax thresholds.
  • PensionFlex does not recommend specific financial products or providers.
  • You should consult a qualified, FCA-regulated financial adviser before making any significant changes to your pension.

2. Accuracy and Liability

While we strive for accuracy, our projections are based on simplified assumptions regarding inflation, investment growth, and tax law.

  • Estimates Only: The results provided are for illustrative purposes and do not guarantee future financial outcomes.
  • No Liability: We accept no responsibility for any financial loss or decisions made based on the use of this tool. Use of this service is at your own risk.

3. Third-Party Links & Affiliates

Our site may contain links to third-party services. If you use these links, we may receive an affiliate commission. We are not responsible for the content, accuracy, or privacy practices of these external sites.

4. Governing Law

These terms are governed by the laws of England and Wales.

If you have questions about these terms, please contact us at privacy@pensionflex.co.uk.