Terms and Conditions

  1. Introduction

    1.1 These Terms and Conditions govern your use of the paid Pension Tracing Service (“the Service”) provided by Pension Trace Limited, registered as a Limited Company in England and Wales under company number 14833919 and with registered address at Pension Trace Limited, Booths Park 5, Chelford Road, Knutsford, Cheshire, WA16 8GS.

    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

    2.1 The Service aims to assist individuals in tracing their unclaimed pensions and provide recommendations based on the information obtained.
    2.2 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.

    Payment and Fees

    3.1 To access the Service, a nominal fee of £299 is payable.
    3.2 Payment must be made through the secure payment facility provided on the PensionPie.com website.
    3.3 Once payment is received, our case handlers will initiate the pension tracing process.

    Limitations of the Service

    4.1 While we strive to provide accurate and comprehensive information, we cannot guarantee the availability, accuracy, or completeness of the pension data obtained.
    4.2 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

    5.1 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.
    5.2 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

    6.1 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.
    6.2 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.


    7.1 The Company reserves the right to terminate or suspend the Service at any time, without prior notice.
    7.2 Upon termination, any fees paid will not be refunded, except as required by applicable law.

    Governing Law and Jurisdiction

    8.1 These Terms and Conditions shall be governed by and construed in accordance with the laws of England and Wales.
    8.2 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.


    9.1 The Company reserves the right to modify or amend these Terms and Conditions at any time.
    9.2 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.