📘 Terms of Use for WebPension.net

Last updated: July 1, 2025

Welcome to WebPension.net. By accessing or using this website, you agree to be bound by the following terms and conditions. If you do not agree, please do not use this site.

1. Who we are

WebPension.net is an educational and informational website owned and operated by Peter Carruthers. The content is intended to help individuals nearing or in retirement explore options to improve their financial stability and peace of mind.

2. Use of content

All content on this site — including text, images, downloads, and tools — is for personal, non-commercial use only. You may not reproduce, distribute, or modify any material without prior written consent from Peter Carruthers.

3. No financial advice

Nothing on this website constitutes personal financial, legal, or investment advice. You should consult a qualified advisor before making any financial decisions. WebPension.net provides general information, not individualized recommendations.

4. User responsibilities

By using this site, you agree to:

• Use the information responsibly and at your own risk.
• Not misuse or attempt to harm the site or its users.
• Not submit false or misleading information through contact forms or subscriptions.

5. Email and subscriptions

If you sign up for our emails or download any resources, you agree to receive occasional emails from WebPension.net. You can unsubscribe at any time using the link provided in each email.

6. Links to other websites

This site may contain links to third-party websites. We are not responsible for their content, practices, or privacy policies. Use those sites at your own discretion.

7. Limitation of liability

WebPension.net is provided “as is.” We make no warranties about accuracy, completeness, or availability. We are not liable for any direct or indirect damages from your use of this site.

8. Changes to these terms

We may update these Terms of Use occasionally. Any changes will be posted here with an updated date. Continued use of the site means you accept the changes.

9. Contact

If you have any questions about these Terms, feel free to contact us:

Peter Carruthers
Email: peter@webpension.net
Website: https://webpension.net