Terms of Service

Last updated: 4 August 2026

These Terms of Service ('Terms') govern your use of the PensionHunter website and services. Battersea Park Capital Ltd is a pension research and administrative services company incorporated in England and Wales on 9 April 2021 (Company No. 13326151). ICO Registration No. ZC113586. PensionHunter is a trading name of Battersea Park 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 $99 payable in advance. (b) PensionHunter Enhanced Pension Identification Report, 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, 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 the Enhanced Pension Identification Report is $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 the Enhanced Pension Identification Report for every searched country, delivered within ten working days of receipt of the completed intake form. The fee for Global is $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 Battersea Park 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. Battersea Park 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: $99 - PensionHunter Enhanced Pension Identification Report: $499 - PensionHunter Global: $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 countries where a public register can name the fund or administrator holding a pension (the United Kingdom, the Netherlands, France and Switzerland among them), that means a named fund or administrator holding the Client's pension, with the sourced route to contact them. In countries where no public service can name a provider from employment history alone (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 among them), that means the access map: what exists, where the Client's record sits, the dated deadlines and traps that affect its value, and the sourced route in, together with the Client's entitlement position on the facts available. Both shapes are equally capable of constituting findings of meaningful value; neither is treated as inferior. One criterion applies per tier. The full fee is refunded where the report delivers neither a specific identification nor a verified access map materially beyond a free register check. For the Global Pension Identification Report this applies where that is true for every country searched. 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. A refund is not issued where findings of meaningful value 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, 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 $99 already paid, namely $400 to upgrade to the Enhanced Pension Identification Report or $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, Enhanced Pension Identification Report 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. Enhanced Pension Identification Report 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 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 a complete information request for every fund we identify, written and ready to send (Enhanced Pension Identification Report 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 report format, the compiled directory of pension providers and administrators, and the underlying compilation of pension data, is © Battersea Park 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

Battersea Park 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 Battersea Park 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.