Terms & Conditions

Last updated: 3 May 2026

1. Who we are

Pension Plain (pensionplain.co.uk) is published by VitaVerse LLC, registered in Wyoming, USA. References to “we”, “us”, and “our” mean VitaVerse LLC trading as Pension Plain.

For anything covered by these terms, contact info@pensionplain.co.uk. Our Contact page lists all other ways to reach us.

2. Acceptance of these terms

By using this site or subscribing to our newsletter, you accept these terms and our Privacy Policy. If you don’t accept them, please stop using the site.

We may update these terms occasionally. The “Last updated” date at the top tells you when. Continued use after a change means you accept the updated version.

3. What Pension Plain is — and is not

Pension Plain publishes plain-English explainers about UK public sector pension schemes. We aim to help you understand how the rules work so you can make better-informed decisions or have better-informed conversations with your scheme administrator or a regulated adviser.

Pension Plain is not:

• A regulated financial adviser
• A pension administrator
• A retirement-planning service
• An employer benefits portal
• HMRC, the Pensions Regulator, or any government body

Nothing on Pension Plain is:

• Financial advice for your specific situation
• Tax advice
• Legal advice
• A recommendation to take any specific action with your pension

If you need any of those, please speak to a regulated professional. The free, government-backed MoneyHelper directory is a good starting point for finding a regulated financial adviser.

4. Accuracy and currency

Public sector pension rules change. The McCloud remedy is being implemented in stages. HMRC tax thresholds (the Annual Allowance, the Lump Sum Allowance) update over time. Scheme administrators correct things, fix things, and occasionally make mistakes that need correcting again.

We try to keep articles accurate at the time of publication, and to update or flag things when rules change. But we can’t guarantee that any specific article reflects the current state of any specific rule on any specific day. Always verify time-sensitive or financially significant information with the official scheme administrator, HMRC, or a regulated adviser before acting on it.

If you spot something out of date or wrong, please tell us — we’ll fix it.

5. Use of the site

You may:

• Read everything on the site, for free, without signing up
• Subscribe to the newsletter (subject to our Privacy Policy)
• Quote up to a few sentences with attribution and a link back to the source article — this is fair use under UK law for non-commercial purposes
• Share links to our articles on social media or in private messages

You may not:

• Scrape, mirror, or republish substantial portions of the site without written permission
• Use our content to train AI models without explicit written permission
• Use the site for any unlawful purpose, or in any way that disrupts service for other readers
• Attempt to bypass security, spam the newsletter signup form, or interfere with the site’s operation
• Pretend to be us, or quote us misleadingly

Press, partnership, and republication enquiries are welcome — please email info@pensionplain.co.uk with the subject “Permissions”.

6. Intellectual property

All written content, design, graphics, and branding on Pension Plain are owned by VitaVerse LLC, except where credited otherwise. Personal, non-commercial use (reading, sharing, brief quoting with attribution) is permitted; commercial reuse requires written permission.

The Pension Plain name and logo are unregistered trade marks of VitaVerse LLC.

7. Third-party links

We link to other websites — official scheme pages, government resources, MoneyHelper, news articles, regulators. These are provided for your convenience. We don’t control those sites and we’re not responsible for their content, accuracy, or availability. Linking to a site doesn’t mean we endorse everything on it.

8. Newsletter

Our newsletter is free and opt-in via double opt-in confirmation. You can unsubscribe at any time using the link at the bottom of any email, or by emailing info@pensionplain.co.uk. What we collect and how we use it is described in our Privacy Policy.

9. Liability

To the fullest extent permitted by law:

• We provide Pension Plain “as is” and “as available”. We don’t guarantee the site will be uninterrupted, error-free, or that the content will be complete or current at any moment in time
• We are not liable for any loss (financial or otherwise) you suffer as a result of acting on something you read on the site, except where that loss is caused by our gross negligence or wilful misconduct
• We are not liable for losses caused by third-party services we link to or use (MailerLite, Google Analytics, hosting providers)

Nothing in these terms excludes or limits our liability for death or personal injury caused by negligence, for fraud or fraudulent misrepresentation, or for any other liability that cannot lawfully be excluded under English law.

10. Indemnity

You agree to indemnify VitaVerse LLC against any claims arising from your misuse of the site — for example, scraping in breach of these terms, or republishing content without permission and being challenged for it.

11. Changes to the site

We may add, remove, or change articles, features, or services on Pension Plain at any time, with or without notice. We may also stop publishing entirely if we ever decide to.

12. Governing law and jurisdiction

These terms are governed by the laws of England and Wales. Any disputes will be subject to the exclusive jurisdiction of the courts of England and Wales.

13. Contact

If you have questions about these terms, email info@pensionplain.co.uk with the subject “Terms”.