Legal Disclaimer

1. General Information Only

The information provided on this website is for general guidance and educational purposes only. It does not constitute regulated financial advice, legal advice, or a personal recommendation. Nothing on this website should be relied upon as the basis for making financial decisions without first obtaining personalised advice from a qualified adviser.

2. No Personal Advice

Website content — including blog articles, service descriptions, and general guidance — is written for general audiences and does not take into account your individual circumstances, financial position, pension history, or objectives. The appropriateness of any pension strategy depends on your specific situation.

3. Pension Regulations and Figures

Pension legislation, contribution limits, State Pension rates, and tax rules change regularly. While we make every effort to keep website content current, we cannot guarantee that all figures and rules are current at the time of reading. Always verify specific figures with HMRC, the DWP, or a qualified adviser before taking action.

4. Past Performance

References to investment returns, pension growth rates, and financial projections on this website are illustrative only. Past performance is not a reliable indicator of future results. The value of investments can fall as well as rise.

5. Third-Party Links

Where we link to external websites — including government websites, regulatory bodies, and information resources — we are not responsible for the content, accuracy, or availability of those external sites. Links are provided for convenience and do not constitute endorsement.

6. Professional Advice

We strongly recommend that you seek personalised advice from a qualified, FCA-regulated pension adviser before making any pension-related decisions, including: withdrawing pension funds; transferring pension arrangements; making voluntary National Insurance contributions; and structuring pension income in retirement.

7. FCA Regulatory Information

Pauras is a trading name of Congruent Actuarial Limited (Company Number 08709494), authorised and regulated by the Financial Conduct Authority. Firm Reference Number (FRN): 831289. Regulated advice is documented in written suitability reports and is subject to FCA Conduct of Business rules. Website content is not a substitute for regulated advice.

8. Contact

If you have questions about the information on this website or wish to receive personalised advice, contact us at [email protected] or +44 800 470 1139. Our initial consultation is free of charge.