Updated: 27 December 2025

Terms & Disclaimers

Important Disclaimers

Not Financial Advice: The information on StatePension.org is for educational purposes only and does not constitute financial, legal, or professional advice. Always consult qualified professionals for personalized guidance.

Independent Information Resource

StatePension.org is an independent information website. We are not affiliated with, endorsed by, or connected to:

  • HM Government
  • Department for Work and Pensions (DWP)
  • HM Revenue & Customs (HMRC)
  • The Pensions Regulator
  • Any government department or agency

Accuracy of Information

We make every effort to ensure information is accurate and up-to-date. However:

  • State Pension rules are complex and subject to change
  • Individual circumstances vary significantly
  • We cannot guarantee the accuracy or completeness of all information
  • You should verify important information with official government sources
  • Always check your personal State Pension forecast at gov.uk/check-state-pension

Calculator Disclaimers

Our calculators provide estimates based on current legislation and the information you provide. However:

  • Results are estimates only, not guarantees
  • Your actual entitlement may differ due to personal circumstances
  • Calculators cannot account for all individual factors
  • Complex situations (contracting out, credits, etc.) may not be fully reflected
  • Use official government services for authoritative calculations

No Professional Relationship

Using this website does not create any professional relationship. We do not:

  • Provide personalized financial advice
  • Offer pension planning services
  • Process State Pension claims
  • Have access to your personal records
  • Represent you in any dealings with government agencies

Limitation of Liability

To the fullest extent permitted by law, StatePension.org and its operators shall not be liable for:

  • Any decisions made based on information from this website
  • Financial losses arising from use of our calculators or information
  • Errors or omissions in content
  • Outdated information due to legislative changes
  • Technical issues or website availability

External Links

We link to official government websites and reputable sources. We are not responsible for:

  • Content on external websites
  • Changes to linked pages
  • Privacy policies of third-party sites

Use of Website

By using StatePension.org, you agree to:

  • Use information responsibly
  • Verify important facts with official sources
  • Seek professional advice for financial decisions
  • Not rely solely on our calculators for major life decisions

Changes to Information

State Pension rules change through legislation. We update content regularly but:

  • There may be delays between official announcements and our updates
  • Check the "Last Updated" date on each page
  • Refer to GOV.UK for the most current official guidance

Governing Law

These terms are governed by the laws of England and Wales. However, this is an informational website, not a service contract.

Official Resources