Terms and Conditions

  1. Introduction

    1.1 These Terms and Conditions govern your use of the free Pension Tracing Service (“the Service”) provided by GAP GNX LTD, registered as a Limited Company in England and Wales under company number 12013134 and with a registered address at GAP-GNX Ltd, The Glades, Festival Way, Festival Park, Stoke on Trent, Staffordshire ST1 5SQ.

    1.2 By using the Service, you agree to comply with these Terms and Conditions. If you do not agree with any part of these terms, please refrain from using the Service.

    Service Description and Eligibility

    2.1 The Service aims to assist individuals in tracing their unclaimed pensions and provide recommendations based on the information obtained.

    2.2 To qualify for the Service, you must be able to demonstrate that you have more than £30,000 in pension savings.

    2.3 The Service involves the collection and processing of personal information to facilitate the pension tracing process. We are committed to protecting your privacy and will handle your personal data in accordance with our Privacy Policy.

    2.4 By using this Service, you agree that your details will be passed to a qualified financial adviser who has agreed to perform the pension tracing service under the condition that they may offer you financial advice regarding your pension and investments.

    2.5 You are not legally obliged to take any financial advice offered by the financial adviser, but it is in your best interests to consider the advice provided.

    Limitations of the Service

    3.1 While we strive to provide accurate and comprehensive information, we cannot guarantee the availability, accuracy, or completeness of the pension data obtained.

    3.2 Our Service is dependent on the responsiveness of third-party pension providers and employers, and delays or lack of cooperation from these parties may affect the tracing process.

    Report and Recommendations

    4.1 Upon completion of the pension tracing process, we will provide a detailed report summarising the identified pension schemes, their current status, and any potential benefits.

    4.2 The report will also include recommendations for next steps based on the information obtained. However, these recommendations are not intended as financial or legal advice, and you should seek professional advice before making any decisions based on the report.

    Liability and Indemnity

    5.1 The Company, its directors, employees, and agents will not be liable for any loss or damage arising from the use or inability to use the Service, including any reliance placed on the information provided.

    5.2 You agree to indemnify and hold the Company, its directors, employees, and agents harmless from any claims, liabilities, damages, expenses, or losses arising from your use of the Service.


    6.1 The Company reserves the right to terminate or suspend the Service at any time, without prior notice.

    6.2 Upon termination, any obligation by the Company to provide the Service will cease.

    Governing Law and Jurisdiction

    7.1 These Terms and Conditions shall be governed by and construed in accordance with the laws of England and Wales.

    7.2 Any disputes arising out of or relating to these Terms and Conditions shall be subject to the exclusive jurisdiction of the courts of England and Wales.


    8.1 The Company reserves the right to modify or amend these Terms and Conditions at any time. Any changes will be effective upon posting on the PensionPie.com website. It is your responsibility to regularly review these Terms and Conditions for any updates or modifications.