Terms of Use for www.pensionfinder.org.uk

(1) Introduction

These terms of use govern your use of our website; by using our website, you accept these terms of use in full. If you do not agree to all the terms and conditions on this page, please do not use this website. Use of any internal or external links on the website constitutes acceptance of the terms on this page. If you do not agree with these terms, please exit this site by closing the browser window.

This website acts as an advertising and marketing vehicle to attract individuals for our introducer network and, as such, the owners, webmasters and marketing professionals of this website are unable to offer financial advice. Any information contained on the website does not form the basis of any contract. Business or financial decisions should not be based solely on the information contained within this website.
Our intention is to give visitors information about pension related matters so that they can find answers to non-advice queries and can be in a position to investigate their financial matters further. We use Leadpoint.com who match enquiries with Leadpoint.coms recommended Financial Advisers who can help give bespoke advice on financial matters. We may, from time to time, use other providers or deal directly with financial advisers.

You must be at least 18 years of age to use our website. By using our website and by agreeing to these terms of use, you warrant and represent that you are at least 18 years of age.

Our website uses cookies. By using our website and agreeing to these terms of use, you consent to our use of cookies in accordance with the terms of our privacy policy.
(2) Licence to use website

Unless otherwise stated, we or our licensors own the intellectual property rights in the website and material on the website. Subject to the licence below, all these intellectual property rights are reserved.

You may view, download for caching purposes only, and print pages from the website for your own personal use, subject to the restrictions set out below and elsewhere in these terms of use.

You must not:

(a) republish material from this website (including republication on another website);

(b) sell, rent or sub-license material from the website;

(c) show any material from the website in public;

(d) reproduce, duplicate, copy or otherwise exploit material on our website for a commercial purpose;

(e) edit or otherwise modify any material on the website; or

(f) redistribute material from this website except for content specifically and expressly made available for redistribution.

Where content is specifically made available for redistribution, it may only be redistributed to other individuals or within your organisation.

OUR SERVICES
Our service linking you with financial advisers is free for you to use. We receive commission and fees from certain product or service providers who we refer you to.

(3) Acceptable use

You must not use our website in any way that causes, or may cause, damage to the website or impairment of the availability or accessibility of the website; or in any way which is unlawful, illegal, fraudulent or harmful, or in connection with any unlawful, illegal, fraudulent or harmful purpose or activity.

You must not use our website to copy, store, host, transmit, send, use, publish or distribute any material which consists of (or is linked to) any spyware, computer virus, Trojan horse, worm, keystroke logger, rootkit or other malicious computer software.

You must not conduct any systematic or automated data collection activities (including without limitation scraping, data mining, data extraction and data harvesting) on or in relation to our website without our express written consent.

You must not use our website to transmit or send unsolicited commercial communications.

You must not use our website for any purposes related to marketing without our express written consent.

(4) Restricted access

We reserve the right to restrict access to certain areas of our website, or indeed our whole website, at our discretion.

(5) Limited warranties

We do not warrant the completeness or accuracy of the information published on this website; nor do we commit to ensuring that the website remains available or that the material on the website is kept up-to-date.

To the maximum extent permitted by applicable law we exclude all representations, warranties and conditions relating to this website and the use of this website (including, without limitation, any warranties implied by law of satisfactory quality, fitness for purpose and/or the use of reasonable care and skill).

(6) Limitations and exclusions of liability

Nothing in these terms of use will: (a) limit or exclude our or your liability for death or personal injury resulting from negligence; (b) limit or exclude our or your liability for fraud or fraudulent misrepresentation; (c) limit any of our or your liabilities in any way that is not permitted under applicable law; or (d) exclude any of our or your liabilities that may not be excluded under applicable law.

The limitations and exclusions of liability set out in this Section and elsewhere in these terms of use: (a) are subject to the preceding paragraph; and (b) govern all liabilities arising under the terms of use or in relation to the subject matter of the terms of use, including liabilities arising in contract, in tort (including negligence) and for breach of statutory duty.

To the extent that the website and the information and services on the website are provided free-of-charge, we will not be liable for any loss or damage of any nature.

We will not be liable to you in respect of any losses arising out of any event or events beyond our reasonable control.

We will not be liable to you in respect of any business losses, including (without limitation) loss of or damage to profits, income, revenue, use, production, anticipated savings, business, contracts, commercial opportunities or goodwill.

We will not be liable to you in respect of any loss or corruption of any data, database or software.

We will not be liable to you in respect of any special, indirect or consequential loss or damage.

(7) Indemnity

You hereby indemnify us and undertake to keep us indemnified against any losses, damages, costs, liabilities and expenses (including without limitation legal expenses and any amounts paid by us to a third party in settlement of a claim or dispute on the advice of our legal advisers) incurred or suffered by us arising out of any breach by you of any provision of these terms of use, or arising out of any claim that you have breached any provision of these terms of use.

(8) Breaches of these terms of use

Without prejudice to our other rights under these terms of use, if you breach these terms of use in any way, we may take such action as we deem appropriate to deal with the breach, including suspending your access to the website, prohibiting you from accessing the website, blocking computers using your IP address from accessing the website, contacting your internet service provider to request that they block your access to the website and/or bringing court proceedings against you.

(9) Variation

We may revise these terms of use from time-to-time. Revised terms of use will apply to the use of our website from the date of the publication of the revised terms of use on our website. Please check this page regularly to ensure you are familiar with the current version.

(10) Assignment

We may transfer, sub-contract or otherwise deal with our rights and/or obligations under these terms of use without notifying you or obtaining your consent.

You may not transfer, sub-contract or otherwise deal with your rights and/or obligations under these terms of use.

(11) Severability

If a provision of these terms of use is determined by any court or other competent authority to be unlawful and/or unenforceable, the other provisions will continue in effect. If any unlawful and/or unenforceable provision would be lawful or enforceable if part of it were deleted, that part will be deemed to be deleted, and the rest of the provision will continue in effect.

(12) Exclusion of third party rights

These terms of use are for the benefit of you and us, and are not intended to benefit any third party or be enforceable by any third party. The exercise of our and your rights in relation to these terms of use is not subject to the consent of any third party.

(13) Entire agreement

These terms of use, together with our privacy policy, constitute the entire agreement between you and us in relation to your use of our website, and supersede all previous agreements in respect of your use of this website.

(14) Law and jurisdiction

These terms of use will be governed by and construed in accordance with English law, and any disputes relating to these terms of use will be subject to the non-exclusive jurisdiction of the courts of England and Wales.

(15) Registrations and authorisations

We are not authorised by, or registered with any regulatory or supervisory body.

If you decide that advice (financial or otherwise) from an authorised or suitably qualified individual is necessary, then it is your responsibility to obtain this advice before proceeding with any transaction.

(16) Our details

The full name of our company is Pension Finder.

We are registered in England & Wales under Gregory Garrett, sole trader.

Our registered address is St Catherines Cottage, Patterdale Road, Windermere, Cumbria,
LA23 1NH.

You can contact us by email at info@pensionfinder.org.uk

(17) Last updated
21st February 2012

How do Independant Financial advisers get paid?
I want to see an IFA to talk about what annuity I should buy. Do they charge a fee or do they work on commission from the Annuity provider?

Best answer:

They can do both or either. Personally, I think that you should use a fee-only Certified Financial Planner. That way they have no financial interest in what you buy or invest in.

More correctly and frequently called Unsecured Pension, this is an alternative to buying a p***son annuity which is flexible and powerful. Pension Income Drawdown is a popular and attractive arrangement for UK Pensioners to consider at retirement, but they are not without their problems. Charges within Pension Drawdown can have a massive impact on their effectiveness so one should seek financial advice if considering the drawdown option.

This short presentation will inform you about your choices and the options. Pension Income Drawdown is not for everyone.

We have selected some videos from around the web to help educate our visitors. Videos are external contented and we are not responsible for their content.

Does income drawdown confuse you? If so, you are in good company. Thousands of UK residents are keen to transfer their pension money to drawdown for greater flexibility but are unsure as to the process. Income drawdown allows you to withdraw money at any time you choose. There are restrictions relating to the minimum and maximum amount you can take out. These limits depend on the provider and the size of your fund.

Talk to an independent financial adviser to discover these withdrawal limits and how they affect your account. Transferring to income drawdown is a big decision; call an expert to deal with the more complex matters relating to it. Find a local Income drawdown adviser today!

Income drawdown is an increasingly popular pension option but it is also one of the most complex. On the face of it, being able to withdraw money at any time seems simple enough but there are a number of financial implications. This is why drawdown advice is essential and this should only come from an independent financial adviser.

Advisers who work for a particular institution are likely to try and sell you their companys product instead, neglecting to mention its flaws while overlooking better options. When you are dealing with something as important as a pension, a financial adviser is the only choice as they will give the best advice for you because they have no affiliations or allegiances.

Income drawdown is also known as an unsecured pension. It is far more flexible than annuities because you are allowed withdraw a certain amount of money from your pension pot at any time while still saving for your retirement. However, income drawdown is really only an option for those with large pension funds. Talk to an independent financial adviser for more information.

Expect to need at least 100,000 to benefit from the convenience and flexibility of income drawdown. The knowledge of a financial adviser is paramount in order to choose the option that will enable you to withdraw money freely while still having enough in reserve for retirement.

There is no way of telling the best annuity option for you by simply going through various websites. Choosing the best annuity is not necessarily a matter of finding the best rate. There are other factors that must be taken into account. These include your current financial status, family members, prospective income etc. It is recommended that you get advice from an independent financial adviser because everyones individual circumstances are different. There is no single way of finding the best annuity because none exists.

To compare annuities you must first decide what it is you need from the annuity. Then you can read all the small print to find the products that meet your criteria. Once this is done you can look at rates and with some degree of confidence know that you are comparing like for like in terms of the effectiveness and appropriateness of annuity for your life. The problem is that this process is not simply a matter of looking through rates. It can be very complex and a moving beast with new products coming into and leaving the open market.

Contact an independent financial adviser and use their skills to compare annuities. Only by conducting research with an expert in the field can you expect to compare and find the best annuity option for you.

Annuity advice is important. The larger your pension pot the more vital it can be because the bigger the disparity between what the different options could mean over your lifetime. A mistake most investors make is to assume that all annuities were created equal. In actual fact, with dozens of companies offering these income schemes, various rates are on offer. This does not even include the disparity in terms and conditions.

Annuities come in all shapes and sizes with certain organizations simply offering vastly superior terms to others. Yet finding the small print eludes most consumers. This is why you should seek annuity advice before retirement.

One area retirees often seek advice is to understand what happens to their pension when they die. Death benefits for spouses and dependents can vary massively between products and annuity providers.

Once an annuity is purchased, you must stick with it for life. Therefore, the knowledge of an independent financial adviser should be utilised to ensure the best results. Seek annuity advice today or risk losing thousands of pounds over the course of your lifetime.

The purpose of purchasing an annuity is to safeguard the money you have saved into your pension and provide an income in retirement. There are a host of annuities on offer from fixed lifetime annuities to investment based options. Although investments are potentially more lucrative, they also carry a far higher level of risk. This form of annuity could increase or decrease in value. A fixed annuity has no such issues, though they are restrictive. Once you purchase an annuity you are tied in so make sure you make the right annuity purchase.

You will probably have been offered the option to purchase your annuity from your pension provider. Statistics show that it is wise to shop around on the open market as it may be possible to get up to 40% more income than just taking the first annuity offered.

Annuities can be complex. This could be the most important investment you ever make. That is why it is critical to speak to an independent financial advisor who can help you make the best choice when purchasing your annuity.

A local annuity adviser can keep your pension savings safe and maximize your retirement income. Once you have invested money into a pension, there are a host of options available to draw the income. These can be especially confusing. From Annuities to Income Drawdown, the choices on offer need an expert to take charge.

Do you know whether you want a fixed or rising income? Do you have the financial resources to make income drawdown a wise choice? Do you qualify for an impaired life annuity? There are lots of questions that need to be answered before you settle on your choice of annuity or income drawdown.

Use a local annuity adviser that is independent, which means he/she can give unbiased advice with your best interests at heart. Look for a local independent financial adviser to give you that edge when it comes to increasing the value of your pension savings. Independent financial advice nowadays means that the IFA cannot just sell you the product that attracts the most commission. They must have very good reasons for choosing one product over another and will have compliance reviews to ensure that their recommendations are appropriate and in the best interest of their clients.

Remember that getting an annuity on the open market could make up to 40% difference to the income you retire with. Make sure you get the best income you can whilst getting the features and benefits you need from your annuity purchase. Talk to your adviser about death benefits, about single or joint life, about ensuring you get an income that is not left behind by other products in the future.