Terms of Service

Audit My Pension (“AMP”, “we”, “us”) is an independent public-sector pension audit service. We check whether a pension has been calculated correctly, explain what we find in plain English, and support you through the correction process if an error is found. Our registered company details are being finalised ahead of launch and will be published here.

What we are not: we are not a regulated financial adviser and we do not give financial advice, recommend products, or manage investments. We provide audit and investigation services only. Nothing we produce is a recommendation to make a particular financial decision.

Full details and worked examples are on our pricing page. In summary:

• Fixed-Fee Audit — £495 one-off. Payable even if no errors are found; you are paying for the audit itself.
• No Win, No Fee Audit — no upfront fee. If a correction is found and delivered, our fee is 25% of any additional amount recovered, capped at £10,000. If nothing is recovered, you pay nothing.
• Hourly Review — £100 per hour, minimum two hours, with a clear estimate of likely hours before we begin.
• General Enquiry — free and without obligation.

Fees, including their VAT treatment, are confirmed in writing before any paid work begins. We will never start chargeable work without your explicit agreement to the fee basis.

• We check eligibility and review your documents before accepting a case.
• Our fee only becomes payable if a correction is achieved and you actually receive additional money (arrears, a corrected ongoing pension, or a lump sum).
• The fee is a percentage of the additional amount recovered, never of your whole pension, and is capped.
• We invoice after the scheme has paid you, not before.
• We cannot and do not guarantee any outcome. Many pensions are correct; if yours is, that is a good result too.

To deal with a scheme administrator on your behalf we need a signed Letter of Authority. It lets us request information about your pension record. It does not give us control of your pension or any of your money, and you can withdraw it at any time by emailing us — we stop acting on it immediately.

If you engage us online or by post, you have a 14-day cooling-off period under the Consumer Contracts Regulations 2013, starting the day after the contract is made. You can cancel within that period without giving a reason. If you ask us to start work during the cooling-off period and then cancel, we may charge a proportionate amount for work already done. To cancel, email contact@auditmypension.co.uk.

• Accurate information about your pension and employment history, as far as you know it.
• Copies of the documents we ask for, where you have them.
• Prompt responses when a scheme deadline applies.

Our findings depend on the records available. If key records are missing or a scheme administrator does not cooperate, we will tell you what that means for your case.

We carry out our work with reasonable skill and care. We are not liable for losses caused by inaccurate information given to us, decisions you take based on our findings without confirming them with the scheme, or matters outside our control (including a scheme administrator's errors, delays or decisions). Nothing in these terms limits liability that cannot lawfully be limited, including for fraud, or death or personal injury caused by negligence.

If something goes wrong, our complaints procedure explains how to raise it and how quickly we respond. These terms are governed by the law of England and Wales, and the courts of England and Wales have jurisdiction. If we change these terms we will update this page and the date at the top; changes do not affect work already agreed.