Last updated: April 2026
Welcome to Honest Pensioner (honestpensioner.com). By accessing or using this website, you agree to be bound by these Terms and Conditions. Please read them carefully. If you do not agree, please do not use this site.
About Honest Pensioner
Honest Pensioner is an independent personal finance blog aimed at UK adults aged 55 and over. It is operated by Mark Aucamp. The site provides general financial information, guidance, and commentary for informational purposes only.
Not financial advice
The content published on Honest Pensioner is for general informational and educational purposes only. It does not constitute regulated financial advice.
Honest Pensioner is not regulated by the Financial Conduct Authority (FCA). Nothing on this site should be treated as a personal recommendation to buy, sell, or hold any financial product or service. Before making any significant financial decision — including but not limited to pension planning, equity release, investments, or insurance — you should seek independent regulated advice from a qualified financial adviser.
You can find a regulated adviser at unbiased.co.uk or through the Personal Finance Society at findanadviser.org.
Accuracy of information
We make every effort to ensure the information published on Honest Pensioner is accurate, up to date, and helpful. However, financial rules, benefit entitlements, interest rates, and legislation change regularly. We cannot guarantee that all information is current at the time you read it.
Always verify important financial information with official sources such as GOV.UK, HMRC, the FCA, or a qualified professional before acting on it.
Affiliate links
Some pages on this site contain affiliate links. When you click these links and make a purchase or sign up for a service, we may earn a commission. This does not affect the price you pay. For full details, please read our Affiliate Disclaimer at honestpensioner.com/affiliate-disclaimer.
Copyright
All content on Honest Pensioner — including articles, images, logos, and other materials — is the copyright of Honest Pensioner unless otherwise stated. You may not reproduce, distribute, or republish any content from this site without our prior written permission.
You are welcome to share links to our articles on social media or other platforms, provided the original source is clearly credited.
Comments and user content
Where commenting is enabled on this site, you are responsible for the content of your comments. We reserve the right to remove any comment that we consider to be offensive, abusive, misleading, or otherwise inappropriate. By submitting a comment, you confirm that you own the content and grant us a non-exclusive licence to publish it on this site.
External links
Honest Pensioner contains links to external websites. These links are provided for your convenience and information. We are not responsible for the content, accuracy, or practices of any external site. The inclusion of a link does not constitute an endorsement of that site.
Limitation of liability
To the fullest extent permitted by law, Honest Pensioner and its operators accept no liability for any loss or damage — whether financial, reputational, or otherwise — arising from your use of this website or reliance on its content. Use of this site is entirely at your own risk.
Governing law
These Terms and Conditions are governed by the laws of England and Wales. Any disputes arising from your use of this website will be subject to the exclusive jurisdiction of the courts of England and Wales.
Changes to these terms
We reserve the right to update these Terms and Conditions at any time. Changes will be posted on this page with an updated date. Continued use of the site after changes are posted constitutes your acceptance of the updated terms.
Contact us
If you have any questions about these Terms and Conditions, please contact us at: [ADD YOUR EMAIL ADDRESS HERE]