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Legal notice

The terms and conditions detailed below apply to this site operated by Incipit Ltd.

Please read this information carefully. Access to this website, or any others referred to elsewhere, is conditional upon these terms and conditions. If you do not agree to these terms and conditions please do not use sites to which they refer.

No part of the content of this site shall be constructed to create a professional or business relationship or partnership between the user and Incipit Ltd or any of its associates.

The contents of this site are for information purposes only. Accordingly nothing within the pages of this site shall be deemed to constitute advice (financial, legal or otherwise) or an opinion. You should consult a financial, legal or other advisor if you require any financial or legal or other professional advice.

No Financial Promotion

We do not sell pensions or advice on what is the best type of pension for individuals. No material contained on this website or any of our literature constitutes can be interpreted as financial Promotion as defined in the Financial Services & Markets Act 2000.

Extent of service

This web site is intended to promote the services of Incipit Ltd, principally the tracing of pensions, the administering and processing of compensation claims for the incorrect and incomplete information provided by the government in relation to the inheritance of SERPS, and the provision of a Wills service linked to the supply of a pension/s trace. The extent of the service offered by Incipit Ltd is controlled in the contract which any client will be asked to enter to. The service offered by Incipit Ltd does not include civil litigation against The Pension Service; neither do we guarantee the outcome of a complaint as this is totally reliant upon the information provided by clients and the response of The Pension Service and or the Parliamentary Ombudsman.

Variation of Content

Incipit Ltd reserves the right in its absolute discretion at any time and without notice to remove, amend or vary any of the content that appears on any page of this site, including terms & conditions. Any changes to these terms & conditions will be posted on this site and by continuing to use this site following any such change will signify compliance with the revised terms & conditions.

Data Protection

Incipit Ltd is a data controller under the data Protection Act, Registration Number Z8692758. We hold information for reasons given to the data protection commissioner, and we may use the information for any of those reasons.
We may receive information about you from others, or give information to others. If we do, it will only be as the law allows – accessing the register of pension schemes, administering and processing compensation claim or obtaining details and facts concerning data held on you.
We may check information we receive about you with what we already have in our records. This includes information that you have given us as well as others, such as government departments. We will not give information about you to anyone outside Incipit Ltd unless the law allows us to.
We promise to treat all information obtained through our site with due care and security.


Whilst Incipit Ltd has taken all reasonable steps to ensure that the information contained on its site is accurate and current, no guarantee is given as to the accuracy and completeness of its content. Subsequently, Incipit Ltd accepts no liability for any losses or damages arising out of errors or omissions contained on this web site. Additionally, no guarantee is given that this site shall be available on a continuous basis and no liability can be accepted in respect of losses or damages arising out of such unavailability. In addition, no liability can be accepted in respect of losses or damages arising out of alterations made by unauthorised third parties to the web site.

We expect that users acknowledge that they are solely responsible for the use that you put our web site and all the results and information you acquire from it and that all guarantees, conditions, undertakings, representations and terms whether expressed or implied, statutory or otherwise are hereby excluded to the fullest extent permitted by law.

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