Terms and Conditions

Welcome to the Pension Protection Fund member website

References to "you" or "your" are references to any person accessing this website (site). References to "we", "us" or "our" are references to the Pension Protection Fund.

The Pension Protection Fund is governed by the Pensions Act 2004 and regulations made under that Act, as amended from time to time.


These terms and conditions govern your use of this site and by accessing this site you agree to be bound by them. If you do not agree to these terms and conditions, you must not use this site.

We reserve the right to change these terms and conditions at any time without notice by updating this posting and your continued access to or use of this site will constitute your acceptance of any such changes.

We may update our site from time to time, and may change the content at any time. However, please note that any of the content on our site may be out of date at any given time, and we are under no obligation to update it.

Use of site

We do not guarantee that our site, or any content on it, will always be available or be uninterrupted. We will not be liable to you if for any reason our site is unavailable at any time or for any period. Access to our site is permitted on a temporary basis.

We may in our sole discretion suspend, withdraw, terminate or change your access to or use of this site for any reason, including without limitation where we believe that you have not acted in accordance with the terms and conditions of this site.

Other applicable terms

These terms and conditions refer to the following additional terms, which also apply to your use of this site:

  • Our Privacy Policy, which sets out the terms on which we process any personal data we collect from you, or that you provide to us. By using this site, you consent to such processing and you warrant that all data provided by you is accurate.
  • Our Cookie Policy, which sets out information about the cookies on our site.

Your account and password

If you choose, or are provided with, a user identification code, password or any other piece of information as part of our security procedures, you must treat such information as confidential. You must not disclose it to any third party.

We have the right to disable any user identification code or password, whether chosen by you or allocated by us, at any time, if in our reasonable opinion you have failed to comply with any of the provisions of these terms and conditions.

If you know or suspect that anyone other than you knows your user identification code or password, you must promptly notify us at [email protected] or call us on 0330 123 2222.

Copyright, all rights reserved

The entire content of this site is subject to copyright with all rights reserved and the information held is for your personal use only. You may not download (all or in part), transmit or modify the site without our prior written permission. However, you may print out part or all of the site for your own personal use.

If you print, copy or download any part of this site in breach of these terms and conditions, your right to use the site will cease immediately and you must, at our option, return or destroy any copies of the materials you have made.

Retirement/Compensation information

This site contains details of the benefits you may receive from the Scheme. The actual compensation you will receive will be calculated in accordance with the Pensions Act 2004 and associated legislation.

For more information regarding your compensation entitlements, please refer to the 'When you retire' booklet which provides a summary of the provisions of the Compensation rules. The 'When you retire' booklet is issued to all members and can be found within the PPF Booklets page of this site. If there is a conflict between this booklet and the legislation, the legislation prevails.

If you access an estimate of the benefits payable within this site, please note that the information provided is just that – an estimate – and should be read in conjunction with the rest of the site information, including the 'When you retire' booklet. It does not constitute entitlement to the benefits illustrated. You should not make any retirement decision based solely on the figures provided.

We revise our retirement factors periodically. The figures provided reflect the retirement factors that apply at that time. These will not necessarily apply if you chose not to retire until later and the figures that apply at that time may be different. Find out more about our early retirement factors and late retirement factors.

Nothing contained on the site constitutes financial, investment, legal, tax or other advice and is not to be relied on in making a financial, investment or other decision. You should obtain relevant and specific professional advice before making any financial or investment decision.

No warranty

Although we have taken all reasonable care to ensure that the information provided on this site is accurate, we give no warranties, undertakings or representations of any kind, either express or implied, to the full extent permitted under applicable law with regard to all or any part of the content or materials, the accuracy, timeliness or completeness of any such information.

No liability

Nothing in these terms and conditions excludes or limits our liability for death or personal injury arising from our negligence, or our fraud or fraudulent misrepresentation, or any other liability that cannot be excluded or limited by English law.

We accept no liability however caused (to the maximum extent permitted by applicable law) arising out of the use of or access to this site (which includes without limitation) any errors or omissions contained in this site and we shall not be liable for any direct or indirect:

  • Economic losses (including without limitation loss of revenues, data, profits, contracts, use, opportunity, business or anticipated savings);
  • Loss of goodwill or reputation; or
  • Loss or damage which was not reasonably foreseeable, suffered or incurred arising out of or in connection with your use of this site and/or these terms and conditions.

Access to and use of this site is at your own risk and we do not warrant that the use of this site or any material downloaded from it will not cause damage to any property, or otherwise minimise or eliminate the inherent risks of the internet including but not limited to loss of data, computer virus infection, spyware, malicious damages, trojans and worms. Also we accept no liability in respect of losses or damages arising out of changes made to the content of this site by unauthorised third parties.

We do not exclude our duties under the Pensions Act 2004.

We reserve the right to modify, suspend or discontinue, temporarily or permanently, the site or any part of it, with or without notice, at any time. You agree that we shall not be liable to you or to any third party for any such modification, suspension or discontinuance of the site.

Internet communications

In order to maintain the security of our systems, protect our staff and detect fraud and other crimes, we reserve the right to monitor all internet communications, including web and email traffic, into and out of our domain. Monitoring includes (without limitation) checks for viruses and other malignant code, criminal activity, and use of content that is unauthorised or unlawful or material that may cause offence in any way.

Please note that there is no guarantee that any email sent will be received, or that the contents or any such email will remain private or unaltered during Internet transmission. If you have any such concerns, you may prefer to telephone or write to us instead. We accept no liability for any damages you or others may suffer as a result of the alternation or loss of confidential information.


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 in order to access our site. You should use your own virus protection software.

You must not misuse our site by knowingly introducing viruses, trojans, worms, logic bombs or other material which is malicious or technologically harmful. 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. You must not attack our site via a denial of service attack or 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.

Third party links and resources on our site

Where our site contains links to other sites and resources provided by third parties, these links are provided for your information only. We have no control over the contents of those sites or resources.


In the event any provision of these terms and conditions of use is held unenforceable, it will not affect the validity and enforceability of the remaining provisions and will be replaced by an enforceable provision that comes the closest to the intention underlying the unenforceable provision.

Governing law

These terms and conditions will be governed by and construed in accordance with the laws of England and Wales. You agree that the English and Welsh courts are to have exclusive jurisdiction to settle any disputes or claims which may arise pursuant to or in connection with these terms and conditions.

Contact us

To contact us, please email [email protected]. Thank you for visiting our site.

Privacy Policy

Read our privacy policy

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