Terms of Service

Last updated: 4 August 2026

These Terms of Service ('Terms') govern your use of the PensionHunter website and services. BatterseaPark Capital Ltd is a financial data and administrative services company incorporated in England and Wales in 2021 (Company No. 13326151). ICO Registration No. ZC113586. PensionHunter is a trading name of BatterseaPark Capital Ltd. PensionHunter operates as a pension research and administrative assistance service. We do not provide regulated financial advice. By using our service, you agree to these Terms in full.

1. Definitions

'Country Pension Identification Report' means the PensionHunter Country Pension Identification Report service. 'Enhanced Pension Identification Report' means the PensionHunter Enhanced Pension Identification Report service. 'Global Pension Identification Report' means the PensionHunter Global Pension Identification Report service. 'Order Confirmation' means the email sent to the Client confirming receipt of payment and commencement of the ordered research service.

2. Our Services

PensionHunter produces independent, evidence-based Pension Identification Reports, prepared using a structured pension identification methodology that may incorporate AI, official government sources, employer research, publicly available information and proprietary processes. PensionHunter offers three Pension Identification Report tiers: (a) PensionHunter Country Pension Identification Report (Country Pension Identification Report), a Pension Identification Report prepared using that structured methodology to cover every relevant pension provider, scheme administrator and government register in a single country chosen by the Client. Country Pension Identification Report delivers a written report within 24 to 48 hours of order confirmation. Country Pension Identification Report is identification only; the Client contacts providers directly using the contact routes in the report. The fee for Country Pension Identification Report is USD 99 payable in advance. (b) PensionHunter Enhanced Pension Identification Report (Search), a Pension Identification Report prepared using that structured methodology across a single country, including expert manual research on every lead and a complete information request prepared for every fund identified, written and ready for the Client to send (the Client's Enhanced Pension Identification Report Action Pack), delivered within five working days of receipt of the completed intake form, with expert support from the PensionHunter research team by email and by arranged call, for as long as the case is open. The fee for Search is USD 499 payable in advance. (c) PensionHunter Global Pension Identification Report (Global), a Pension Identification Report prepared using that structured methodology across multiple countries within PensionHunter's service coverage, including everything in Search for every searched country (the Client's Global Action Pack), delivered within ten working days of receipt of the completed intake form. The fee for Global is USD 799 payable in advance. PensionHunter currently operates in 41 countries: United Kingdom, Netherlands, Ireland, Germany, Switzerland, Canada, New Zealand, South Africa, Australia, Hong Kong, Japan, UAE, Vietnam, France, Spain, Italy, Belgium, Luxembourg, Sweden, Denmark, Norway, India, Malaysia, Singapore, South Korea, Indonesia, Philippines, Liechtenstein, Bulgaria, Iceland, Latvia, Romania, Austria, Portugal, Turkey, Mexico, Brazil, Chile, Israel, Slovenia and United States.

3. Scope of Service

PensionHunter is a pension research and administrative assistance service only. PensionHunter is not regulated by the Financial Conduct Authority in the United Kingdom or any equivalent financial services regulator in any other jurisdiction. PensionHunter does not provide: financial advice, pension advice, investment advice, tax advice, legal advice, or claims management services. PensionHunter does not recommend, facilitate, or receive any commission from the consolidation, transfer, drawdown, encashment, or reinvestment of any pension. All decisions regarding any pension identified by PensionHunter remain solely with the Client, who is encouraged to seek independent regulated advice before taking any action.

4. Limitations of Service

PensionHunter provides research and administrative assistance only. We expressly do not: (a) Provide regulated financial advice within the meaning of the Financial Services and Markets Act 2000 or equivalent legislation in any jurisdiction (b) Conduct claims management activity within the meaning of the Financial Guidance and Claims Act 2018 (c) Act as the client's representative in accessing, transferring or claiming pension funds (d) Submit claim forms, transfer requests or any other documents to pension providers for the client (e) Arrange, recommend or compare financial products or pension schemes The client acknowledges that all decisions regarding their pension entitlements, including whether to contact providers, request transfers or take any other action, are made independently by the client. PensionHunter accepts no responsibility for any financial decisions made by the client following receipt of our research report.

5. Information Request Authority

The Information Request Authority signed by the client appoints BatterseaPark Capital Ltd as authorised administrative agent for the limited purpose of corresponding with pension administrators to retrieve records and entitlement information. This mandate does not constitute a power of attorney, a claims management agreement, or any form of financial representation. BatterseaPark Capital Ltd does not act as the client's agent in accessing, transferring or claiming pension funds. The client is solely responsible for all decisions made in relation to any pension entitlement identified through our research service. This mandate can be revoked at any time by contacting us at hello@pensionhunter.ai.

6. Fees

Fees are fixed, quoted in US dollars, and payable in advance by card via Stripe. Current fees are: - PensionHunter Country Pension Identification Report: USD 99 - PensionHunter Search: USD 499 - PensionHunter Global: USD 799 PensionHunter does not charge success fees, commission, referral fees, or any percentage-based fee. The fixed tier fee is the only charge. PensionHunter reserves the right to revise fees for future orders but will never revise the fee for an order already confirmed.

7. Refund Policy

Meaning of "findings of meaningful value". A finding of meaningful value is material access delivered by the research: in markets with public provider-level identification (STRONG_ID pattern, e.g. the United Kingdom, the Netherlands, France, Switzerland), a named fund or administrator holding the Client's pension together with the sourced route to contact them; in markets where no public service can identify a specific provider from employment history alone (guidance-value patterns: WALLED, NO_MAPPING, THIN, CORRESPONDENCE and GRATUITY_ENTITLEMENT), the genuine access-map — what exists, where the Client's record sits, the deadlines and traps that affect its value, and the sourced route in — together with the Client's entitlement position. The report is refunded in full where it delivers nothing material under the pattern that applies to the Client's country. Both patterns are equally capable of constituting findings of meaningful value; neither is treated as inferior. For the purpose of this section, research delivers "findings of meaningful value" where it produces EITHER of the following, attributable to the Client and sourced to verifiable public or administrative records: (i) Identification limb (STRONG_ID pattern), identification of a specific pension scheme, fund, administrator, policy reference, contribution record or statutory entitlement, together with the sourced route to contact that fund or administrator (the limb engaged in markets where public provider-level identification from employment history is structurally available, e.g. the United Kingdom, the Netherlands, France, Switzerland); OR (ii) Access-map limb (guidance-value patterns), a verified, sourced access-map materially beyond what a free public register check returns, comprising (1) where the Client's pension record is held, (2) the verified route to reach that record from abroad including the credential or administrative gate that applies, (3) the dated deadlines that materially affect the value of the entitlement, (4) the material traps that demonstrably cost departed members money or entitlement, and (5) the Client's entitlement position on the facts available. This limb is engaged in markets where no public service can identify a specific provider from employment history alone (including but not limited to Australia, Germany, Spain, Italy, Canada, Japan, Belgium, Luxembourg, South Africa, Ireland, New Zealand, Hong Kong, the United Arab Emirates, Sweden, Denmark, Norway, Singapore, Malaysia, India and Vietnam). For the avoidance of doubt, the access-map limb requires substantive verified content beyond a single free-register lookup; a bare restatement of publicly listed portal URLs without the access route, deadlines, traps and entitlement position does not satisfy this limb. The limb engaged for a given Client is determined by the structural pension architecture of the country or countries searched, as set out on the relevant country page at the time of order and in the delivered report. Both limbs are equally capable of constituting findings of meaningful value; neither limb is treated as inferior to the other. The tier-by-tier refund eligibility set out below applies this two-limb definition consistently. (a) PensionHunter Country Pension Identification Report (USD 99), the full fee is refunded where the automated Country Pension Identification Report delivers nothing material under either limb, or only findings the Client could reasonably have located themselves through a free government register check (e.g. a single confirmation already available via a national pension tracing service with no additional provider, policy, entitlement, access route, deadline or trap information). The fee is not refunded where the report returns (under the identification limb) a named fund or administrator with the sourced route to contact them, policy references, scheme administrator contact details, or entitlement indicators beyond a free register lookup; or (under the access-map limb) a verified access-map for the country searched comprising where records are held, the route from abroad, the deadlines affecting the entitlement's value, the material traps and the entitlement position, beyond a free register lookup. (b) PensionHunter Enhanced Pension Identification Report (USD 499), the full fee is refunded where, following AI-assisted research and expert manual follow-up, no findings of meaningful value under either limb are produced, or where findings are limited to LOW-value administrative confirmations with no provider, policy reference, scheme administrator contact, entitlement information, verified access route, dated deadline, material trap or entitlement position of practical use to the Client. The fee is not refunded where HIGH or MEDIUM value findings are produced under either limb, meaning, under the identification limb, provider name with policy reference, scheme administrator contact details, contribution history or entitlement information sufficient for the Client to pursue the pension; or, under the access-map limb, a verified access-map plus entitlement position sufficient for the Client to reach the record from their country of residence within the applicable deadlines. (c) PensionHunter Global Pension Identification Report (USD 799), the full fee is refunded where, following AI-assisted research and expert manual follow-up across all the countries searched, no HIGH or MEDIUM value findings under either limb are produced in any country. The fee is not refunded where HIGH or MEDIUM value findings under either limb are produced in any one country searched, applying the same definition as in (b) above. Refund eligibility is determined at identification, before the report is delivered, on whether research identified anything material. It is never dependent on what a pension administrator does or does not reply to the Client after the Client sends an information request. For the avoidance of doubt, a refund is issued where research delivers no findings of meaningful value as defined above. A refund is not issued where findings of meaningful value (under either limb) are delivered but the Client chooses not to contact a provider, claim a benefit, follow the verified access route or otherwise take any further action. The delivery of findings of meaningful value discharges PensionHunter's research obligation under these Terms. Where the Client disputes whether findings meet the meaningful-value threshold under either limb, PensionHunter will review the case in good faith and respond in writing within 10 business days. Refunds are processed to the original payment method within 10 business days of PensionHunter's written confirmation to the Client that the refund eligibility criteria in this section are met.

8. Upgrades

A Client who has purchased a report may upgrade to the Enhanced Pension Identification Report or the Global Pension Identification Report at any time. The upgrade fee is the full fee for that report less the USD 99 already paid, namely USD 400 to upgrade to the Enhanced Pension Identification Report or USD 700 to upgrade to the Global Pension Identification Report. The upgraded service is then governed by the service terms and refund policy for that report as set out above.

9. Ordering and Payment

Country Pension Identification Report, Search and Global are available for purchase at the prices displayed at checkout. The Free Pension Checker is provided free of charge, requires no payment details, and personal data supplied to it is handled as described in our Privacy Policy.

10. Delivery

Pension Identification Reports are delivered within 24 to 48 hours of order confirmation. Search orders are typically completed within five working days of receipt of the completed intake form, and Global orders within ten working days. Where an order requires longer, PensionHunter will update the Client in writing.

11. How It Works

PensionHunter does not hold client funds. We provide a written research report (the 'Action Pack', previously the 'Personal Pension Register') containing pension provider contact details, policy references and entitlement information identified during our research. You contact the pension provider directly using the information in the report (Country Pension Identification Report), or using the prepared information requests delivered with your Action Pack (Search and Global).

12. No Guarantee of Results

While we use advanced research tools and technology, results are not guaranteed. Pension research depends on the cooperation of pension providers, the availability and accuracy of historical records, and the completeness of the information you provide. We will always conduct a thorough search, but we cannot guarantee that every entitlement will be identified. Where Section 7 refund eligibility is met, the fee is refunded in full as set out in that section.

13. Your Responsibilities

You agree to provide accurate and truthful information when using our service. Providing false information (including a false name or date of birth) may constitute fraud and will result in immediate termination of our services without refund.

14. Intellectual Property and Database Rights

All content on pensionhunter.ai, including page copy, research methodology, sample reports, the Action Pack format, the compiled directory of pension providers and administrators, and the underlying compilation of pension data, is © BatterseaPark Capital Ltd and protected under the UK Copyright, Designs and Patents Act 1988 and the UK Database Regulations 1997 (sui generis database right), and equivalent legislation in other jurisdictions.

You may not, without our prior written permission: (a) extract, scrape, web-crawl or otherwise harvest content from pensionhunter.ai by automated means, beyond standard search engine indexing as permitted by our /robots.txt; (b) use PensionHunter content, datasets or output to train, fine-tune or evaluate any AI, machine learning or large language model system (except for the Government Portals Directory at /pension-portals and /pension-portals.json, which is published under Creative Commons Attribution 4.0 and free for citation, reproduction and AI training with attribution to PensionHunter); (c) reproduce, republish, redistribute or commercially exploit PensionHunter copy, sample reports, methodology, branding or compiled datasets in whole or in substantial part; or (d) circumvent any access control, rate limit or watermarking applied to PensionHunter content.

Watermarking of downloads. PensionHunter applies per-download identifiers to high-value assets to evidence unauthorised redistribution. By downloading a watermarked asset you acknowledge that the watermark may be used to identify the source of any unauthorised copy.

Bulk extraction or systematic re-use of PensionHunter content or compiled data without permission constitutes infringement of copyright and database right and will be pursued. Copyright complaints and takedown requests are handled under our Copyright policy at pensionhunter.ai/copyright.

15. Data Protection

We handle your personal data in accordance with our Privacy Policy, available at pensionhunter.ai/privacy. We comply with applicable data protection laws in every country we operate.

16. Limitation of Liability

PensionHunter provides research and information services only. We do not guarantee that a pension entitlement will be found as a result of our search.

To the maximum extent permitted by applicable law our total liability to you in connection with our services shall not exceed the research service fee paid by you.

We are not liable for: - Any pension entitlement that cannot be located despite reasonable research efforts - Any delay in pension providers responding to our information requests - Any financial decisions you make based on information contained in our research report - Any loss arising from your direct dealings with pension providers

Nothing in these terms excludes or limits our liability for death or personal injury caused by our negligence, fraud or fraudulent misrepresentation, or any other liability that cannot be excluded or limited under applicable law.

Australian consumers: Our services come with guarantees that cannot be excluded under the Australian Consumer Law.

17. Termination

You may cancel your order at any time by contacting us at hello@pensionhunter.ai. The Refund Policy in Section 7 applies. If the eligibility criteria in that section are met, the fee is refunded in full. If you cancel after research has begun but before completion, refunds are pro-rated based on research completed to date. If we deliver findings of meaningful value but you choose not to take action, no refund applies as the service has been delivered.

18. Governing Law and Disputes

These terms are governed by and construed in accordance with the laws of England and Wales.

Any disputes arising from these terms or our services will be subject to the exclusive jurisdiction of the courts of England and Wales, except where mandatory consumer protection laws in your country of residence provide otherwise.

If you are a consumer resident in the European Union you may also have the right to bring proceedings in the courts of your country of residence.

If you are a consumer resident in Australia you have rights under Australian Consumer Law that cannot be excluded by these terms.

19. Complaints

If you have a complaint about our service please contact us at hello@pensionhunter.ai in the first instance. We aim to resolve all complaints within 14 business days.

If your complaint relates to data protection you may also contact the ICO at [ico.org.uk](https://ico.org.uk)

20. Contact

BatterseaPark Capital Ltd (trading as PensionHunter) · hello@pensionhunter.ai · pensionhunter.ai

21. Intellectual property and permitted use

All content on this site, including the country dossiers, verified facts, guides, reports and page copy, is owned by BatterseaPark Capital Ltd and protected by copyright. The country dossiers and verified fact collections are additionally protected as a database under UK and EU database rights. PensionHunter is a registered UK trade mark (UK00004374240).

You may read and use this site for your own personal research. You may quote brief excerpts with attribution to PensionHunter and a link to the source page. You may not reproduce, scrape, or republish substantial parts of this site or its datasets, whether manually or by automated means, or use them to build a competing service. We enforce these rights, including through takedown requests to hosts, registrars and search engines.