Terms & Conditions

Terms and Conditions

www.PensionCalculator.org is operated by Bright Knight Ltd. T: 0845-880-1980

E: W: www.pensioncalculator.org Registration No: 05861075. Registered in England at: 10th Floor, 88 Wood Street, London EC2V 7RS

Please read these terms and conditions of use before using www.PensionCalculator.org. By using this website, you are agreeing to be bound by these Terms. If you do not wish to be bound by what you read below, you should not use www.PensionCalculator.org.

www.PensionCalculator.org reserves the right to alter or amend these Terms and Conditions at any time and users are responsible for ensuring they are aware of such alterations and amendments. We reserve the right to alter or withdraw in part or whole any service on the site at its absolute discretion without being liable for loss or damage however caused.

If you (as the user) become aware of any defects in the site or any information shown they should give notification immediately as follows: Email : [email protected] Telephone : 0845 880 1980

www.PensionCalculator.org does its best to ensure the quality of the data and information or other content shown but absolute accuracy cannot be guaranteed and www.PensionCalculator.org makes no representations in respect thereof and accepts no liability for any loss or damage caused by inaccurate, out of date or incomplete data or information. The data and information or other content shown does not constitute any form of advice or recommendation and should be checked with the provider or other supplier in question before making or not making any decision. The information is directed at persons in the United Kingdom and is not to be regarded as an offer to buy or sell, or a solicitation for any product or service shown on the site.

The content we provide does not address your individual requirements. In particular, our information does not constitute any form of advice, recommendation, representation, endorsement or arrangement by us and is not intended to be relied upon by you in making (or refraining from making) any specific investment or other decisions. Given that the impact of any information expressed on our website can vary widely based on your particular circumstances, you should always carry out your own research into the product that is of interest to you. Readers who are not financial professionals should seek expert advice.

www.PensionCalculator.org accepts no liability for any indirect or consequential loss or damage or for any loss of data profit revenue or business (whether direct or indirect however caused even if foreseeable).


All data information text images and layout are the exclusive property of www.PensionCalculator.org and must not be e-mailed, networked, shared, republished, reproduced, transferred or copied (other than for reasonable personal professional use e.g. audit trails or backups). All copyright intellectual and other property rights shall continue to be held by www.PensionCalculator.org and no rights of any kind shall pass.

Any attempt to damage the site or act in contravention of these Terms and Conditions may give rise to legal redress and www.PensionCalculator.org reserves the right to seek damages from such perpetrator.

Disclaimer of third party websites

Where www.PensionCalculator.org does not cover a particular area there are links with third party providers. www.PensionCalculator.org has endeavoured to find reliable and reputable providers to ensure that users obtain the best possible service. However www.PensionCalculator.org does not control these services and makes no representation as to the accuracy completeness timeliness or suitability of any information or products and shall not be held responsible or liable thereof. Users should give notification immediately if they have any complaints in respect of any of these providers.

Hypertext links to third party websites exist on the site that if activated result in users leaving the site and entering a third party site. www.PensionCalculator.org does not control these third party sites and makes no representation as to the accuracy completeness timeliness or suitability of any information or product thereon and shall not be held in any way liable or responsible thereof. Users should give notification immediately if they have any complaints in respect of any of these sites.

The presence of any advertisement on this site is not an endorsement or recommendation by www.PensionCalculator.org of the products and services highlighted and it shall not be held responsible in anyway liable or responsible thereof.

You agree to indemnify, defend, and hold harmless www.PensionCalculator.org, and its parent, affiliates, directors, officers and employees from and against any claim, liability, cost, damage or loss we may incur (including, without limitation, solicitor’s fees) as a result of any material you post on our website or any violation by you of your obligations under these terms and conditions.

www.PensionCalculator.org encourages active and open debate among our members. All that we ask is that it’s done in a lawful and civil manner – be it posting on our forums or using our one of our social network website (NING.com). Accordingly, you agree to use www.PensionCalculator.org for lawful purposes only. You may not use, or allow others to use, your Fool membership to:

  • Post or transmit any content that is abusive, vulgar, obscene, hateful, fraudulent, unlawful, threatening, harassing, or defamatory or which discloses private or personal matters concerning any person;
  • Post or transmit any material that you do not have a right to transmit under law (such as copyright, trade secret or securities) or under contractual or fiduciary relationships (as in nondisclosure agreements);
  • Post, transmit, or link to sexually explicit material;
  • Impersonate any person or entity, or falsely state or otherwise misrepresent your affiliation with anyone or entity;
  • Post or transmit statements that are intentionally false or misleading, or use such statements to manipulate the market for any security;
  • Post or transmit any advertising, promotional materials, or other forms of solicitation including chain letters or pyramid schemes;
  • Offer, sell, or buy any security;
  • Intentionally violate the laws, rules and regulations of the Financial Services Authority and the national or other securities exchanges;
  • Intentionally violate any other applicable law or regulation while accessing and using our site;
    • Collect or store personal data about other users;
  • Post or transmit any file that contains viruses, corrupted files, “Trojan Horses,” or any other contaminating or destructive features that may damage someone else’s computer.

While we are unable to review all transmissions by our users, www.PensionCalculator.org reserves the right to monitor any information transmitted or received through our service. www.PensionCalculator.org, at our sole discretion and without prior notice, may at any time review, remove, or otherwise block any post or terminate your membership for violating the above provisions.

You are responsible for all statements made and acts that occur through the use of your membership and password. Please don’t disclose your password to anybody. If your password has been stolen, you must let us know.

Summary of terms
Browser – Is used to locate and display Web pages via a software application. You can use Microsoft Internet Explorer, Firefox, Opera etc…

All free promotion are limited to one per household.  The free gift is at the discretion of the www.PensionCalculator.org and the Director’s decision is final.

Message given to a Web browser by a Web server. The message is then stored by the browser in a text file called cookie.txt. Each time the browser requests a page from the server, this message is sent back. Another type cookie has as its objective to identify users and personalise their visit by customising Web pages for them, for example by welcoming them by name next time they visit the same site. A site using cookies will usually invite you to provide personal information such as your name, e-mail address and interests.

IP (Internet Protocol)
All networks connected to the internet speak IP, the technical standard that allows data to be transmitted between two devices.

(Transmission Control Protocol/Internet Protocol) is responsible for making sure messages get from one host to another and that the messages are understood.

IP address
If you are connected to the Internet you have one, for example it may look something like this Web Server Delivers (serves up) Web pages to your computer.


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