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Cymraeg
  • Benefits
  • Everyday money
  • Family & care
  • Homes
  • Money troubles
  • Pensions & retirement
  • Savings
  • Work
  • Universal Credit

    Find out how Universal Credit works and how to manage your payment

    Benefits if you have children

    Entitlements to help with the cost of pregnancy or bringing up children

    Benefits if you’re sick, disabled or a carer

    Understand what support is available for coping with ill health

    Benefits in later life

    You may be entitled for help with other costs on top of your State Pension

    Benefits and work

    Extra support if you’re working, self-employed, or you’ve lost your job

    Benefits to help with housing costs

    Support to help with rent or mortgage payments if you’re on a low income

    Problems with benefits

    What to do if something goes wrong with your benefits

    Benefits

    All Benefits guidance

    Tools

    Tool

    Money Navigator

    Tool

    Money Manager

    Calculator

    Benefits calculator

    ALL TOOLS

    Pensions issues? Join our community group

    Join our private Facebook group ‘Your pension and planning for the future – by MoneyHelper’ to get help and to chat about pensions

  • Banking and payments

    How to choose, use and manage bank accounts

    Budgeting

    How to budget, find the best deals and switch to save money

    Buying and running a car

    How to buy and finance a car, deal with problems with car finance, and cut running costs

    Credit

    Credit basics, applying for credit, credit ratings and problems with credit

    Insurance

    Insurance for cars, health, travel, and help with insurance

    Everyday money

    All Everyday money guidance

    Tools

    Tool

    Compare bank accounts

    Tool

    Budget Planner

    Tool

    Money Midlife MOT

    ALL TOOLS

    Pensions issues? Join our community group

    Join our private Facebook group ‘Your pension and planning for the future – by MoneyHelper’ to get help and to chat about pensions

  • Becoming a parent

    Having a baby, returning to work, childcare costs

    Death and bereavement

    Wills, inheritance, sorting out estates

    Divorce and separation

    Sorting out money and homes, what if you have children, money after break ups

    Illness and disability

    Managing costs, extra financial support, help with work or study

    Long-term care

    Paying and getting funding, ways to pay, problems with care

    Student and graduate money

    Credit cards, bank accounts, student debts

    Talk money

    Difficult conversations, talking to teenagers, older people and partners

    Family & care

    All Family & care guidance

    Tools

    Calculator

    Divorce calculator

    Calculator

    Baby costs calculator

    Tool

    Budget Planner

    Calculator

    Benefits calculator

    ALL TOOLS

    Pensions issues? Join our community group

    Join our private Facebook group ‘Your pension and planning for the future – by MoneyHelper’ to get help and to chat about pensions

  • Buying a home

    Mortgages, help buying, remortgaging, first-time buyers, help and support

    Renting

    Renting a home to live in, renting out a home, and overcoming problems

    Homes

    All Homes guidance

    Tools

    Calculator

    Stamp Duty calculator

    Calculator

    Mortgage affordability calculator

    Calculator

    Mortgage calculator

    ALL TOOLS

    Pensions issues? Join our community group

    Join our private Facebook group ‘Your pension and planning for the future – by MoneyHelper’ to get help and to chat about pensions

  • Help with the cost of living

    Budgeting, paying bills, finding extra financial support, coping with job loss

    Dealing with debt

    Bills, court fines, help with debts

    Money problems and complaints

    What to do about mis-selling, compensation and complaints

    Scams

    Spotting scams and what to do if you’re caught out

    Money troubles

    All Money troubles guidance

    Tools

    Tool

    Debt advice locator

    Calculator

    Benefits calculator

    Tool

    Bill prioritiser

    ALL TOOLS

    Pensions issues? Join our community group

    Join our private Facebook group ‘Your pension and planning for the future – by MoneyHelper’ to get help and to chat about pensions

  • Auto enrolment

    Introduction, how it works, all about contributions

    Building your retirement pot

    How much do you need, ways to build your pot, transferring and merging

    Pension basics

    Starting a pension, types of pension, understanding pensions

    Pension problems

    Complaints, financial help when retired, changes to schemes

    State Pension

    How it works, what you might get, National Insurance

    Taking your pension

    Ways to draw your pension, when can you retire, Pension Wise appointments

    Tax and pensions

    Tax allowances, tax paid on pensions, tax relief

    Pensions and retirement

    All guidance, including how to use the Pension Wise service

    Tools

    Appointment

    Book a Pension Wise appointment

    Calculator

    Pension calculator

    Tool

    Money Midlife MOT

    Tool

    Find a retirement adviser

    ALL TOOLS

    Book your free Pension Wise appointment

    Over 50? Get free, impartial guidance from our government-backed service. We’ll explain your options for taking money from your pension pots.

  • How to save

    Getting started, getting the most out of savings, problems

    Investing

    How to invest, types of investing, buying and managing

    Types of savings

    Help with meeting goals, tax-friendly saving, saving for children

    Savings

    All Savings guidance

    Tools

    Calculator

    Savings calculator

    Tool

    Budget Planner

    ALL TOOLS

    Pensions issues? Join our community group

    Join our private Facebook group ‘Your pension and planning for the future – by MoneyHelper’ to get help and to chat about pensions

  • Employment

    Basics, benefits, tax and National Insurance

    Losing your job

    What to do, alternatives, redundancy pay

    Self-employment

    Starting out, insurance, tax, self-assessment

    Work

    All Work guidance

    Tools

    Tool

    Budget Planner

    Calculator

    Redundancy pay calculator

    ALL TOOLS

    Pensions issues? Join our community group

    Join our private Facebook group ‘Your pension and planning for the future – by MoneyHelper’ to get help and to chat about pensions

  • Benefits
  • Everyday money
  • Family & care
  • Homes
  • Money troubles
  • Pensions & retirement
  • Savings
  • Work
  • Universal Credit Find out how Universal Credit works and how to manage your payment
    Benefits if you have children Entitlements to help with the cost of pregnancy or bringing up children
    Benefits if you’re sick, disabled or a carer Understand what support is available for coping with ill health
    Benefits in later life You may be entitled for help with other costs on top of your State Pension
    Benefits and work Extra support if you’re working, self-employed, or you’ve lost your job
    Benefits to help with housing costs Support to help with rent or mortgage payments if you’re on a low income
    Problems with benefits What to do if something goes wrong with your benefits
    Benefits All Benefits guidance
    Tools

    Tool

    Money Navigator

    Tool

    Money Manager

    Calculator

    Benefits calculator

    ALL TOOLS

    Pensions issues? Join our community group

    Join our private Facebook group ‘Your pension and planning for the future – by MoneyHelper’ to get help and to chat about pensions

  • Banking and payments How to choose, use and manage bank accounts
    Budgeting How to budget, find the best deals and switch to save money
    Buying and running a car How to buy and finance a car, deal with problems with car finance, and cut running costs
    Credit Credit basics, applying for credit, credit ratings and problems with credit
    Insurance Insurance for cars, health, travel, and help with insurance
    Everyday money All Everyday money guidance
    Tools

    Tool

    Compare bank accounts

    Tool

    Budget Planner

    Tool

    Money Midlife MOT

    ALL TOOLS

    Pensions issues? Join our community group

    Join our private Facebook group ‘Your pension and planning for the future – by MoneyHelper’ to get help and to chat about pensions

  • Becoming a parent Having a baby, returning to work, childcare costs
    Death and bereavement Wills, inheritance, sorting out estates
    Divorce and separation Sorting out money and homes, what if you have children, money after break ups
    Illness and disability Managing costs, extra financial support, help with work or study
    Long-term care Paying and getting funding, ways to pay, problems with care
    Student and graduate money Credit cards, bank accounts, student debts
    Talk money Difficult conversations, talking to teenagers, older people and partners
    Family & care All Family & care guidance
    Tools

    Calculator

    Divorce calculator

    Calculator

    Baby costs calculator

    Tool

    Budget Planner

    Calculator

    Benefits calculator

    ALL TOOLS

    Pensions issues? Join our community group

    Join our private Facebook group ‘Your pension and planning for the future – by MoneyHelper’ to get help and to chat about pensions

  • Buying a home Mortgages, help buying, remortgaging, first-time buyers, help and support
    Renting Renting a home to live in, renting out a home, and overcoming problems
    Homes All Homes guidance
    Tools

    Calculator

    Stamp Duty calculator

    Calculator

    Mortgage affordability calculator

    Calculator

    Mortgage calculator

    ALL TOOLS

    Pensions issues? Join our community group

    Join our private Facebook group ‘Your pension and planning for the future – by MoneyHelper’ to get help and to chat about pensions

  • Help with the cost of living Budgeting, paying bills, finding extra financial support, coping with job loss
    Dealing with debt Bills, court fines, help with debts
    Money problems and complaints What to do about mis-selling, compensation and complaints
    Scams Spotting scams and what to do if you’re caught out
    Money troubles All Money troubles guidance
    Tools

    Tool

    Debt advice locator

    Calculator

    Benefits calculator

    Tool

    Bill prioritiser

    ALL TOOLS

    Pensions issues? Join our community group

    Join our private Facebook group ‘Your pension and planning for the future – by MoneyHelper’ to get help and to chat about pensions

  • Auto enrolment Introduction, how it works, all about contributions
    Building your retirement pot How much do you need, ways to build your pot, transferring and merging
    Pension basics Starting a pension, types of pension, understanding pensions
    Pension problems Complaints, financial help when retired, changes to schemes
    State Pension How it works, what you might get, National Insurance
    Taking your pension Ways to draw your pension, when can you retire, Pension Wise appointments
    Tax and pensions Tax allowances, tax paid on pensions, tax relief
    Pensions and retirement All guidance, including how to use the Pension Wise service
    Tools

    Appointment

    Book a Pension Wise appointment

    Calculator

    Pension calculator

    Tool

    Money Midlife MOT

    Tool

    Find a retirement adviser

    ALL TOOLS

    Book your free Pension Wise appointment

    Over 50? Get free, impartial guidance from our government-backed service. We’ll explain your options for taking money from your pension pots.

  • How to save Getting started, getting the most out of savings, problems
    Investing How to invest, types of investing, buying and managing
    Types of savings Help with meeting goals, tax-friendly saving, saving for children
    Savings All Savings guidance
    Tools

    Calculator

    Savings calculator

    Tool

    Budget Planner

    ALL TOOLS

    Pensions issues? Join our community group

    Join our private Facebook group ‘Your pension and planning for the future – by MoneyHelper’ to get help and to chat about pensions

  • Employment Basics, benefits, tax and National Insurance
    Losing your job What to do, alternatives, redundancy pay
    Self-employment Starting out, insurance, tax, self-assessment
    Work All Work guidance
    Tools

    Tool

    Budget Planner

    Calculator

    Redundancy pay calculator

    ALL TOOLS

    Pensions issues? Join our community group

    Join our private Facebook group ‘Your pension and planning for the future – by MoneyHelper’ to get help and to chat about pensions

Home
Cymraeg
  1. Home
  2. About us
About us

Terms and conditions

These terms tell you the rules for using our website 'moneyhelper.org.uk'  (the “website”).

What’s in these terms and conditions? 

  • Who we are and how to contact us
  • By using our website you accept these terms
  • There are other terms that will apply to you
  • We may make changes to these terms
  • We may make changes to our website
  • We may suspend or withdraw our website
  • Our website is intended for users in the United Kingdom
  • How you may use material on our website
  • Our responsibility for loss or damage suffered by you
  • We are not responsible for viruses and you must not introduce them
  • We are not responsible for third party websites we link to
  • Do not rely on information and tools on this website
  • Prohibitions on your use of this website
  • How we may use your personal information
  • Other applicable terms

Who we are and how to contact us

This website is owned and maintained by the Money and Pensions Service (“us”, “we”, or “MaPS”), a body corporate established pursuant to Section 1, Part 1 of the Financial Guidance and Claims Act 2018.

The Money and Pensions Service brought together the three organisations known as The Money Advice Service, The Pensions Advisory Service and Pension Wise. Our registered office address is Bedford Borough Hall, 138 Cauldwell Street, Bedford, MK42 9AB.

You can contact us by writing to us by email at: contact@maps.org.uk  or by post to our registered office address and marked for the attention of: Governance Manager.

Your use of this website is subject to the following terms which you should read carefully.

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By using our website you accept these terms

By using this website, you confirm that you accept these terms of use and that you agree to comply with them. If you do not agree to these terms, you must not use this website. We recommend that you print a copy of these terms for future reference.

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There are other terms that will apply to you

These terms of use refer to additional terms which also apply to your use of this website:

  • our  Privacy Policy  which sets out how we collect, use and store personal data

  • our  Cookie Policy  which sets out information about the cookies on our website.

Additional terms and conditions may also apply to other services provided by us and these are set out below and/or will be explained or made available to you if you use these services. 

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We may make changes to these terms

We amend these terms from time to time. Every time you wish to use our website, please check these terms to ensure you understand the terms that apply at that time. These terms were most recently updated on 1 January 2019.

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We may make changes to our website

We may update and change our website from time to time to reflect changes to our users’ needs.

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We may suspend or withdraw our website

Our website is made available free of charge.

We do not guarantee that our website, or any content on it, will always be available or be uninterrupted. We may suspend or withdraw or restrict the availability of all or any part of our website for business and operational reasons. We will try to give you reasonable notice of any suspension or withdrawal.

You are also responsible for ensuring that all persons who access our website through your internet connection are aware of these terms of use and other applicable terms and conditions, and that they comply with them.

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Our website is intended for users in the United Kingdom

Our website is directed to people residing in the United Kingdom. We do not represent that content available on or through our website is appropriate for use or available in other locations.

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How you may use material on our website

Unless otherwise stated we are the owner or licensee of all intellectual property rights in our website and in all material published on it. Those materials are protected by copyright laws both in England and Wales and around the world. All such rights are reserved. Materials include, but are not limited to text, data, applications, calculators, e-services, images, graphics, audio and video files, typographical arrangements (the layout or actual appearance), as well as any documents (capable of being reproduced by any digital means) and made available on this website. You may print off one copy, and may download extracts of any page(s) from our website for your personal use and you may draw the attention of others within your organisation to content available on our website. All downloadable materials on this website are licensed for non-commercial use under the  Creative Commons Attribution-NonCommercial-NoDerivs 2.0 UK: England & Wales (CC BY-NC-ND 2.0 UK) License

Under the terms of this licence you must:

(a) always acknowledge and give appropriate credit to the MaPS, provide a link to the licence and indicate if any changes were made. Such changes may be made provided they are reasonable and there is no suggestion that MaPS in any way endorses you or your use;

(b) not use any material for commercial purposes; 

(c) not modify, remix, transform, or build upon any material and should you modify, remix, transform or build upon any material, not to distribute such material;

(d) not apply legal terms or technological measures that restricts any third party from doing an act which is permitted under the licence.

You may not copy, reproduce (in whole or in part), adapt, modify, issue to, rent, lend or communicate to the public any non-downloadable material for commercial purposes without the prior written consent of us. Written requests may be submitted by email to  contact@maps.org.uk  or by letter to “Customer Enquiries” at the Money and Pensions Service registered office address above.

If you print off, copy or download any part of our website in breach of these terms of use, your right to use the website will cease immediately and must, at our option, return or destroy any copies of the materials made to us. 

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Our responsibility for loss or damage suffered by you

Whether you are a consumer or business user:

We do not exclude or limit in any way our liability to you where it would be unlawful to do so. This includes liability for death or personal injury caused by our negligence or the negligence of our employees, agents or subcontractors and for fraud or fraudulent misrepresentation.

If you are a business user:

  • We exclude all implied conditions, warranties, representations or other terms that may apply to our site or any content on it. 

  • We will not be liable to you for any loss or damage, whether in contract, tort (including negligence), breach of statutory duty, or otherwise, even if foreseeable, arising under or in connection with:

  • use of, or inability to use, our website; or

  • use of or reliance on any content displayed on our website.

  • In particular, we will not be liable for: 

    • loss of profits, sales, business or revenue
    • business interruption
    • loss of anticipated savings
    • loss of business opportunity, goodwill or reputation; or
    • any indirect or consequential loss or damage.

If you are a consumer user:

Please note that we only provide our website for domestic and private use. You agree not to use our website for any commercial or business purposes, and we have no liability to you for any loss of profit, loss of business, business interruption or loss of business opportunity.

Whilst we try to ensure that the information on this website is current and correct no undertaking, representation, warranty or other assurance, express or implied, is made or given by us or on our behalf or any of our partners, officers, employees, agents or advisers or any other person as to the reliability, accuracy or completeness of any content contained on this website. 

No responsibility is accepted by us or any of our partners for any action taken on the basis of the content of this website (to the extent permitted by applicable laws/regulatory rules). Our liability to you as explained above remains unaffected by this.

Whilst we try to ensure the information contained on the website is accurate and up to date, we cannot be responsible for any inaccuracies in the information. We are under no responsibility to provide you with access to any additional information or to update this website.

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We are not responsible for viruses and you must not introduce them

We do not guarantee that this website is or will be secure or free from defects, bugs, viruses or anything else which may be harmful or destructive or that any defects and viruses that do arise will be corrected. You are responsible for configuring your information technology, computer programs and platform to access our website. You should use your own virus protection software.

We do not guarantee that this website will be compatible with all or any hardware and software that you may use. You must not misuse our website by knowingly introducing viruses, trojans, worms, logic bombs, keystroke loggers, spyware, adware or other program, component or similar computer code designed to adversely affect the operation of any computer software or hardware, corrupted data or other material that is malicious or technologically harmful. You must not attempt to gain unauthorised access to our site, the server on which our site is stored or any server, computer or database connected to our site. You must not attack our site via a denial-of-service attack or a distributed denial-of service attack. By breaching this provision, you would commit a criminal offence under the Computer Misuse Act 1990. We will report any such breach to the relevant law enforcement authorities and we will co-operate with those authorities by disclosing your identity to them. In the event of such a breach, your right to use our website will cease immediately.

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We are not responsible for third party websites we link to

Where our website contains links to other websites and resources provided by third parties, these links are provided for your information only. Such links should not be interpreted as approval by us of those websites or information you may obtain from them.

We have no control over the contents of those websites or resources.

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Do not rely on information and tools on this website

We are not regulated by the Financial Conduct Authority and the Money and Pensions Service does not provide a regulated service. The information and material (including tools) provided on our website are for general information only. It is not intended to amount to advice on which you should rely. You must obtain professional or specialist advice before taking, or refraining from taking, any action on the basis of the content, or information derived from, our website. For example, you should seek further information from an independent financial adviser or from providers of specific financial products.

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Prohibitions on your use of this website

You may not use this website for any purpose that is unlawful or prohibited by these terms. In particular, but not exclusively, you must not use this website:

  • in any way that breaches any applicable local, national or international law or regulation
  • in any way that is unlawful or fraudulent, or has any unlawful or fraudulent purpose of effect
  • for the purpose of harming or attempting to harm minors in any way
  • to send, knowingly receive, upload, download, use or re-use any material which does not comply with these terms
  • to transmit, or procure the sending of, any unsolicited or unauthorised advertising or promotional material or any other form of similar solicitation (spam)
  • in any way which constitutes or encourages conduct that would be considered a criminal offence, give rise to civil liability, or otherwise be contrary to the law of or infringe the intellectual property rights of any third party, in any country in the world.

You also agree:

  • not to reproduce, duplicate, copy or re-sell any part of our website in contravention of the provisions of these terms
  • not to access without authority, interfere with, damage or disrupt:
    • any part of our website
    • any equipment or network on which our website is stored
    • any software used in the provision of our website; or
    • any equipment or network or software owned or used by any third party.

We shall fully cooperate with any law enforcement authorities or court order requesting or directing us to disclose the identity or locate anyone posting any material in breach of this section.

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How we may use your personal information

We will only use your personal information as set out in our  Privacy Policy .

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Other applicable terms

If you are a consumer, please note that these terms of use, their subject matter and their formation, are governed by English law. You and we both agree that the courts of England and Wales shall have exclusive jurisdiction to settle any dispute which may arise out of or in connection with these terms and conditions, except that if you are a resident of Northern Ireland, you may also bring proceedings in Northern Ireland and if you are a resident of Scotland, you may also bring proceedings in Scotland.

If you are a business, these terms of use, their subject matter and their formation (and any non-contractual disputes or claims) are governed by English law. We both agree to the exclusive jurisdiction of the courts of England and Wales.

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About us

Privacy and legal

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  • Subject access requests
Looking for us? Now, we’re MoneyHelper

MoneyHelper is the new, easy way to get clear, free, impartial help for all your money and pension choices. Whatever your circumstances or plans, move forward with MoneyHelper.

Continue to website
Looking for us? Now, we’re MoneyHelper

MoneyHelper is the new, easy way to get clear, free, impartial help for all your money and pension choices. Whatever your circumstances or plans, move forward with MoneyHelper.

Continue to website
Looking for us? Now, we’re MoneyHelper

MoneyHelper is the new, easy way to get clear, free, impartial help for all your money and pension choices. Whatever your circumstances or plans, move forward with MoneyHelper.

Continue to website

Privacy and legal

  • Terms and conditions
  • Privacy notice
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  • Subject access requests
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© 2023 Money and Pensions Service, 120 Holborn, London EC1N 2TD. All rights reserved.

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Talk to us live for pensions guidance using…
Our pensions webchat and telephone helpline will be closed on Tuesday 28 March for staff training. We will re-open on Wednesday 29.
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Talk to us live for money guidance using…
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Talk to us live for pensions guidance using the telephone
Over 50 and want to know your pension options? Our call centre is closed right now, but you can explore your options with our simple online tool
  • From overseas: +44 20 7932 5780
  • For self-employed: 0345 602 7021*
Hours
  • Mon – Fri:9am–5pm inc 23, 29 and 30 Dec
  • Sat, Sun and bank holidays:Closed: 24–28 Dec and 31 Dec to 3 Jan 2022

* Calls are free. We’re committed to providing you with a quality service, so calls may be recorded or monitored for training purposes and to help us develop our services.

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Talk to us live for money guidance using the telephone
  • Welsh: 0800 138 0555*
  • Typetalk: 18001 0800 915 4622*
  • From overseas: +44 20 3553 2279
Hours
  • Mon – Fri:8am–6pm inc 23, 29 and 30 Dec
  • Sat, Sun and bank holidays:Closed: 24–28 Dec and 31 Dec to 3 Jan 2022

* Calls are free. We’re committed to providing you with a quality service, so calls may be recorded or monitored for training purposes and to help us develop our services.

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Talk to us live for pensions guidance using web chat
Hours
  • Mon-Fri8am-6pm
  • Sat8am - 3pm
  • Sun and bank holidaysClosed
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Talk to us live for money guidance using web chat
Hours
  • Mon, Wed, Fri8.20am - 6.20pm
  • Tues, Thurs9am - 6.20pm
  • Sat, Sun and bank holidaysClosed
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Talk to us for pensions guidance using our web form

We aim to respond within 5 working days

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Talk to us for money guidance using our web form

We aim to respond within 5 working days

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Talk to us live for money guidance using WhatsApp

Download app: WhatsApp

For help sorting out your debts, credit questions or pensions guidance. For everything else please contact us via Webchat or Telephone.

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