Terms of service

Please read these Terms of Service carefully before using the website.

What’s in these terms

These terms tell you the rules for using our website www.clara-pensions.com, including any features, tools, or services made available through our website (collectively, “our site”). Who we are and how to contact us.

www.clara-pensions.com is a site operated by Clara-Pensions Limited (We). We are registered in England and Wales under company number 10925368 and have our registered office at MYO St Paul’s, One New Change, London, EC4M 9AF. Our VAT number is GB440 700 730.

Clara-Pensions Group Limited has been assessed by The Pensions Regulator under its interim regime for Defined Benefit superfunds and is now regulated by it. To contact us, please email [email protected]

By using our site you accept these terms

By using our site, you confirm that you accept these terms of service and that you agree to comply with them.

If you do not agree to these terms, you must not use our site.

We recommend that you print a copy of these terms for future reference.

There are other terms that may apply to you

These terms of service refer to the following additional terms, which also apply to your use of our site:

• Our Privacy Policy, which explains how we collect, use and store your personal data.
• Our Cookie Policy, which sets out information about the cookies on our site.

The Transaction Assessment Tool

• The Transaction Assessment Tool is an online service available through our website, which provides trustees, advisors and businesses with an indicative quotation for a potential transaction with us.
• Any quotation provided on the Transaction Assessment Tool is an estimate, based on the information you provide, and may be subject to further review, adjustment, or withdrawal at any time.
• By submitting your contact details via the Transaction Assessment Tool, you acknowledge that we may use this information to contact you in relation to your enquiry, to provide further information, or to market our products and services to you, in accordance with our Privacy Policy. The use of the Transaction Assessment Tool is subject to these terms of service, and you must not submit any personal data relating to other individuals.

We may make changes to these terms

We amend these terms from time to time. Every time you wish to use our site, please check these terms to ensure you understand the terms that apply at that time.

We may make changes to our site

We may update and change our site from time to time to reflect changes to our products, our users’ needs and our business priorities. We may also change or remove functionalities.

We may suspend or withdraw our site

Our site is made available free of charge.

We do not guarantee that our site, or any content on it, will always be available, uninterrupted or free from errors or omissions. We may suspend or withdraw, or restrict the availability of all or any part of our site for business and operational reasons. We will try to give you reasonable notice of any suspension or withdrawal. You are also responsible for ensuring that all persons who access our site through your internet connection are aware of these terms of service and other applicable terms of service, and that they comply with them.

We may transfer this agreement to someone else

We may transfer our rights and obligations under these terms to another organisation. We will always tell you in writing if this happens, and we will ensure that the transfer will not affect your rights under the contract.

Our site is only for users in the UK

Our site is directed to people residing in the United Kingdom. We do not represent that the content available on or through our site is appropriate for use or available in other locations.

How you may use the material on our site

We are the owner or the licensee of all intellectual property rights in our site, and in the material published on it. Those works are protected by copyright laws and treaties around the world. All such rights are reserved.

You may print off one copy, and may download extracts of any page(s) from our site for your personal use, and you may draw the attention of others within your organisation to content posted on our site.

You must not modify the paper or digital copies of any materials you have printed off or downloaded in any way, and you must not use any illustrations, photographs, video or audio sequences or any graphics separately from any accompanying text.

Our status (and that of any identified contributors) as the authors of content on our site must always be acknowledged (except where the content is user-generated). We may use our or our licensors’ trade marks on our website. You are not permitted to use them without our prior written approval.

You must not use any part of the content on our site for commercial purposes without obtaining a licence to do so from us or our licensors.

If you print off, copy, download, share or repost any part of our site in breach of these terms of service, your right to use our site will cease immediately and you must, at our option, return or destroy any copies of the materials you have made (except that you are permitted to print off a copy of these terms of service).

No text or data mining, or web scraping

You shall not conduct, facilitate, authorise or permit any text or data mining or web scraping in relation to our site or any services provided via, or in relation to, our site for any purpose, including the development, training, fine-tuning or validation of AI systems or models. This includes using (or permitting, authorising or attempting the use of):

• Any “robot”, “bot”, “spider”, “scraper” or other automated device, program, tool, algorithm, code, process or methodology to access, obtain, copy, monitor or republish any portion of our site or any data, content, information or services accessed via the same.
• Any automated analytical technique aimed at analysing text and data in digital form to generate information or develop, train, fine-tune or validate AI systems or models, which includes but is not limited to patterns, trends and correlations.

The provisions in this clause should be treated as an express reservation of our rights in this regard. This clause will not apply insofar as (but only to the extent that) we are unable to exclude or limit text or data mining or web scraping activity by contract under the laws which apply to us.

Do not rely on information on this site

The content on our site is provided for general information purposes only. It is not intended to amount to advice on which you should rely or an offer or binding commitment by us. You must obtain professional or specialist advice before taking, or refraining from, any action based on the content on our site.

Although we make reasonable efforts to update the information on our site, we make no representations, warranties or guarantees, whether express or implied, that the content on our site is accurate, complete or up to date. We are not responsible for the websites we link to

Where our site contains links to other sites and resources provided by third parties, these links are provided for your information only. Such links should not be interpreted as approval by us of those linked websites or information you may obtain from them.

We have no control over the contents of those sites or resources.

We are not responsible for viruses

We do not guarantee that our site will be secure or free from bugs or viruses.

You are responsible for configuring your information technology, computer programs and platform to access our site. You should use your own virus protection software.

We reserve the right to monitor internet traffic to and from our domains for security, compliance, fraud detection and system integrity purposes.

You must not introduce viruses

You must not misuse our site by knowingly introducing viruses, trojans, worms, logic bombs or other material that is malicious or technologically harmful, or otherwise harmfully interacting with our site or any part of it. You must not attempt to gain unauthorised access to our site, the server on which our site is stored, or any server, computer or database connected to our site or any other equipment or network connected with our site.

You must not interfere with, damage or disrupt any software used in the provision of our site or any equipment or network or software owned or used by any third party on which this site relies in any way.

You must not attack our site via a denial-of-service attack or a distributed denial-of-service attack. By breaching this provision, you would commit a criminal offence under the Computer Misuse Act 1990. We will report any such breach to the relevant law enforcement authorities, and we will co-operate with those authorities by disclosing your identity to them. In the event of such a breach, your right to use our site will cease immediately.

Our responsibility for loss or damage suffered by you

We do not exclude or limit in any way our liability to you where it would be unlawful to do so. This includes liability for death or personal injury caused by our negligence or the negligence of our employees, agents or subcontractors and for fraud or fraudulent misrepresentation.

We exclude all implied conditions, warranties, representations or other terms that may apply to our site or any content on it.

We will not be liable to you for any loss or damage, whether in contract, tort (including negligence), breach of statutory duty, or otherwise, even if foreseeable, arising under or in connection with:

• use of, or inability to use, our site; or
• use of or reliance on any content displayed on our site.

In particular, we will not be liable for:

• loss of profits, sales, business, or revenue;
• business interruption;
• loss of anticipated savings;
• loss of business opportunity, goodwill or reputation;
• any indirect or consequential loss or damage; or
• any loss or damage that you suffer as a result of any computer viruses, trojans, worms, software bombs or other damaging items resulting from your use of our site.

If, where we are found liable for financial losses that you suffer from using our site, then our maximum aggregate liability to you shall be limited to £1,000 (one thousand pounds sterling).

How we may use your personal information

We will only use your personal information as set out in our Privacy Policy.

Which country’s laws apply to a dispute

These terms and conditions will be governed by and construed in accordance with English law and the resolution of any disputes in relation to them will be subject to the exclusive jurisdiction of the English Courts. This clause applies regardless of the location of the parties or from where this website is accessed.

Last updated: January 2026