Pauras
UK Pension Specialists
- +44 800 470 1139
- [email protected]
- Empress Business Centre, Manchester M16 9EA
Last updated: 1 January 2026. These terms govern your use of our website and engagement of our pension advisory services.
Pauras is a trading name of Congruent Actuarial Limited, a company registered in England and Wales under Company Number 08709494. Our registered office is at Empress Business Centre, 380 Chester Rd, Old Trafford, Stretford, Manchester M16 9EA, United Kingdom. We provide specialist pension advisory services to individuals and businesses across the United Kingdom.
Congruent Actuarial Limited is authorised and regulated by the Financial Conduct Authority (FCA). Our Firm Reference Number (FRN) is 831289. All advice provided by our qualified advisers is subject to FCA regulatory standards and the FCA's Conduct of Business rules. Our regulatory details can be verified on the FCA Register at fca.org.uk.
The information provided on this website is for general guidance only and does not constitute regulated financial advice. Personalised financial advice is provided exclusively through formal advisory engagement, following a thorough fact-find and suitability assessment. Any specific recommendations are documented in written suitability reports.
Before providing regulated advice, we provide all clients with our Terms of Business, fee structure, and regulatory disclosures. No advisory engagement is binding until a formal Client Agreement has been signed by both parties. Initial consultations are provided without obligation or charge.
Our fee structure is disclosed fully before any chargeable work commences. We operate on a transparent fee basis. We do not receive commissions from pension providers, investment managers, or any third party in connection with advice provided to clients.
Pauras's liability for losses arising from advice is limited to the extent permitted by law and our professional indemnity insurance. We are not liable for decisions taken by clients that deviate from documented advice, for losses arising from factors beyond our reasonable control, or for the performance of investment funds recommended.
All content on this website — including text, graphics, icons, and layout — is owned by Pauras and protected by UK copyright law. Content may not be reproduced without written permission.
These Terms are governed by the laws of England and Wales. Any disputes arising shall be subject to the exclusive jurisdiction of the courts of England and Wales. Clients may also refer complaints to the Financial Ombudsman Service (FOS) at financial-ombudsman.org.uk.
If you are dissatisfied with any aspect of our service, please contact us at [email protected]. We operate a formal complaints procedure and will acknowledge complaints within 5 business days. Unresolved complaints may be escalated to the FOS.
We reserve the right to update these Terms at any time. The current version is always available on this page with the effective date noted. Continued use of our services constitutes acceptance of the current Terms.