Terms of Use

1. Pension Cashflow Modeller is a modelling tool only

Pension Cashflow Modeller ("we", "us", "our") is a modelling and planning tool. It helps you explore possible retirement and financial scenarios based on the data you enter. It is not financial advice and is not a substitute for professional advice or your own calculations.

By using Pension Cashflow Modeller, you agree to these Terms of Use. If you do not agree, please do not use the app.

2. Do not base decisions on this app

You must not base any financial or retirement decisions on Pension Cashflow Modeller. All projections, numbers, and outputs are illustrative only. They depend on the data you enter and on assumptions that may not match your real situation or future tax or law changes.

You are solely responsible for your own financial decisions. Do not rely on this app when making important choices about pensions, savings, or retirement.

3. Do your own calculations and seek advice

You must do your own calculations and checks for any decision that matters to you. For significant financial or retirement decisions, you should seek advice from a qualified, regulated adviser (e.g. a financial adviser or pension specialist) who can take your full circumstances into account.

Pension Cashflow Modeller does not recommend specific products or actions. We do not guarantee the accuracy of any calculations or projections. Use the app for exploration and planning only, not as a basis for action.

4. Your account and use

You must provide accurate information where required and keep your account secure. You must be old enough to use the app in your jurisdiction. We are not liable for any decisions you make or any loss arising from your use of the app.