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The PPI is an INDEPENDENT educational, not-for profit research institute. We undertake rigorous research from a neutral, long-term perspective

Terms and Conditions

By using this website you are deemed to accept the following terms and conditions.

You agree:
(a) that you will access its contents solely for your own private use.
(b) to comply with all applicable laws and regulations relating to your use of this website. 
(c) not to use this website to distribute any information or data in contravention of any regulation or legislation.


These Terms of Use, together with our Privacy Policy, as amended by us from time to time, set out the basis on which you may use this website. 

References in these Terms of Use, our Privacy Policy and elsewhere on this website to we or us or our are references to the Pensions Policy Institute and references to you or your are references to a user of this website, unless the context requires otherwise. 


This website is operated by the Pensions Policy Institute.  The content on this website is provided for general information purposes only and is not intended to constitute or substitute legal or other professional advice. All articles, briefings, updates or other information available on this website are prepared so that they are current as at the date of writing. It should be noted that such information can rapidly become out of date. You should not take any actions based on information found on this website without seeking appropriate professional advice. 

We cannot guarantee that the content and the provision of the content of this website will always be correct of fault, error or virus free. We will not be liable for any data lost or any equipment or software replaced by you as a result of you using this website.

Save in respect of liability for death or personal injury arising out of negligence or for fraudulent misrepresentation, we shall not be liable to you or any third party directly or indirectly in contract, tort, equity or otherwise for any damage whatsoever in connection with this website or any use of content provided on this website, including any direct, indirect, special, incidental or consequential damage (including but not limited to loss of profits, interest, data, business revenue, anticipated savings, business or goodwill).

User rights and intellectual property rights

All rights in this website and the content on this website including trade marks, database rights, copyright, patents, design rights, inventions, source codes, knowhow, applications for registration of any of the foregoing, the right to apply for registration of any of the foregoing and any other intellectual property rights in any of the foregoing are reserved to the Pensions Policy Institute.

You may not remove, change or obscure the Pensions Policy Institute logo or any notices of proprietary rights on any content of this website.

For the avoidance of doubt, nothing in the Terms of Use or Privacy Policy gives you any right, title or interest in the content of this website and you do not acquire any such right, title or interest through your use of the website.


The materials published on this website are, unless otherwise stated, the copyright works of the Pensions Policy Institute. 

You are allowed to view, download and print out content from this website for information purposes only within your business, employment and/or study.  You may make copies of materials published which are of interest to you for your own personal use and you may also provide copies to others in your business, employment and/or study for information purposes only provided that you do so free of charge. When you do make copies for yourself or others, the content of the published material and the copyright notices must remain intact, your communication of the content must not be misleading or inaccurate.

We permit electronic links to our website by prior consent only.  Consent can be requested by contacting and explaining the nature of the request.

Except as provided for above, no other use of the materials published on this website is permitted without the express prior written consent of the Pensions Policy Institute.

No Warranties

We give no express or implied representation or warranty (whether statutory or otherwise) in respect of this website or its content (including, without limitation, as to condition, satisfactory quality, performance or fitness for purpose) and all such representations and warranties are excluded except to the extent that their exclusion is prohibited by law.

External links

This website may contain links to other websites solely for your convenience. The Pensions Policy Institute does not endorse any such linked sites and assumes no responsibility for the contents of any other website to which this website offers links.

Privacy policy

The Pensions Policy Institute will only use the personal data which you submit to us via the website in accordance with our Privacy Policy.


The Pensions Policy Institute reserves the right to terminate, suspend or alter the content of this website and to amend these Terms of Use at any time. Continued use of this website after alteration of these Terms of Use shall be deemed to constitute acceptance of such alterations.


If any provision of these terms and conditions is or becomes invalid, illegal or unenforceable in any respect under the law of any jurisdiction:
(a) the validity, legality and enforceability under the law of that jurisdiction of any other provision; and
(b) the validity, legality and enforceability under the law of any other jurisdiction of that or any other provision, shall not be affected or impaired in any way thereby.

These terms and conditions and any dispute, controversy, proceedings or claim of whatever nature arising out of or in any way relating to these terms and conditions shall be governed by and construed in accordance with English law.  The courts of England shall have exclusive jurisdiction to resolve any disputes relating to these Terms of Use or our Privacy Policy.
Our rights under these Terms of Use or Privacy Policy are cumulative and not exclusive of rights or remedies provided by law.  Delay in the exercise or non-exercise of any such right is not a waiver of that right.

A person who is not a party to the Terms of Use or Privacy Policy may not enforce any of the terms under the Contracts (Rights of Third Parties) Act 1999.

A failure by us to enforce a provision of the Terms of Use or Privacy Policy or a breach of a provision by you or default by you in performing a provision does not constitute a waiver and does not prevent us from subsequently enforcing that provision or from acting on such breach or a subsequent breach of the provision by you or default by you in performing that provision.

General enquiries

020 7848 3744

King's College
Virginia Woolf Building
1st Floor, 22 Kingsway
London, WC2B 6LE

Press & Media enquiries


07714 250 910
020 7848 4467

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