XtraPension Terms and Conditions

Legal Information and Terms of Usage for XtraPension Ltd

THESE TERMS AND CONDITIONS ("Terms") govern your use of the services provided by XtraPension Limited, a Limited Liability Company registered under the laws of Ireland with registered address at Gray Office Park, Headford Road, Galway, H91 WC1P, Ireland ("XtraPension", “We” or “Us”). By accessing, using, or engaging with the services, you acknowledge that you have read, understood, and agree to be legally bound by these Terms. If you do not agree with any provision of these Terms, you should refrain from accessing or using our website and services. These Terms constitute a binding agreement between you and us for the use of the services. We strongly encourage you to carefully review and understand these Terms in order to address any questions or concerns you may have. Our team is available to provide further clarification or assistance as needed. Use of any XtraPension service is deemed acceptance of these Terms and Conditions.


XtraPension provides a document processing service to customers globally who wish to apply to pay voluntary National Insurance Contributions (‘NICs’) to His Majesty’s Revenue & Customs (‘HMRC’) in order to claim and maximise any UK State Pension for which they are eligible as determined by HMRC and/or The Department of Work & Pensions (‘DWP’).



XtraPension charges €100 (incl 23% VAT within the EU) as an initial 'Registration fee'. This fee is refundable at any time up until you approve the application documents we compile for you.

Following your approval of the documents and our submission of your application to HMRC, XtraPension will charge you €350 (incl VAT) as an 'Application fee' followed by eight 'Monthly Update' payments of €30 each (incl VAT) When your assessment arrives from HMRC in 8-12 months time, XtraPension will also bill you a final €300 (incl VAT).

If HMRC / DWP determine that you are not eligible to pay voluntary NICs, you will be entitled to a full refund as per XtraPension’s 100% Money-Back Guarantee.




XtraPension operates under the clear understanding that it is not authorised or licensed to provide financial or regulatory advice. Furthermore, we are neither regulated nor authorised to provide pension advice to our customers or website visitors. Our services, information, and materials are not intended to function as a substitute for professional pension advice. Any references to the term "advice" on our website, in marketing materials, or by our agents are purely incidental and not to be construed as the provision of financial, pensions or regulatory advice. Under no circumstances should any communications by phone or email, website material or advertising from XtraPension or its agents be construed as ‘financial advice’. The services offered by XtraPension are for informational and administrative purposes only, primarily involving the organisation and application process for voluntary NICs through HMRC. These services are not intended to serve as substitutes for professional advice, and we do not assume the role of financial or pension advisors, consultants, or regulatory experts. Customers and visitors to our website should be aware that XtraPension does not possess the legal authority to offer financial counsel, recommendations, or interpretations of any financial or regulatory instruments or matters. The guidance we provide is informational in nature, and any decisions or actions taken based on our materials are at the sole discretion of the customer. It is essential for individuals seeking financial or regulatory advice to consult with licensed professionals who are authorised to provide such guidance. XtraPension, its agents, and its affiliates disclaim any responsibility or liability for decisions, actions, or consequences resulting from the use of our materials or services.


XtraPension places a significant emphasis on transparency and the precise delineation of our role in assisting individuals with the process of voluntary NICs to HMRC. It is imperative to clearly underscore that XtraPension neither handles nor manages customer funds intended for these contributions. Our involvement in this process is centered on facilitating the organisation, application, and guidance related to voluntary NICs, which allow individuals to maximise their UK State Pension entitlements. It is the responsibility of the customer to directly manage their financial transactions with HMRC regarding any fees or payments associated with voluntary NICs. We do not possess the authority, capability, or legal framework to access, control, or manage the financial accounts or funds of our customers. Any monetary transactions related to NICs, payments, or processing fees are handled exclusively between the individual applicant and HMRC, without the intermediation of XtraPension.



By submitting any data to XtraPension, you acknowledge and agree to the following:



XtraPension will communicate with customers primarily via SMS and email to the contact information provided during the registration process. It is the customer's responsibility to ensure that:


XtraPension provides its services subject to the payment of service fees, which are clearly outlined on our website. These fees are applicable to the services we offer to our customers. However, it is important to note that the service fees are 100% refundable as provided under these terms. In the event that a letter of ineligibility or rejection to pay NICs is received from HMRC or DWP, XtraPension will refund the service fee amount to the customer. Note that the refund is contingent on the customer receiving an official notice of ineligibility or rejection from HMRC or DWP.



In the absence of any specific customer request to the contrary, XtraPension will ensure that all current and former customers are informed about:

These notifications could be sent via email or SMS. By using the service, you consent to receiving notifications from us.


Our website may contain links to third-party websites, applications, or resources that are not owned or controlled by us. These third-party links are provided for the convenience and reference of our customers. We do not endorse, guarantee, or assume any responsibility for the content, functionality, or actions of these third-party websites or resources. Customers acknowledge and agree that their access and use of such third-party links are entirely at their own risk and subject to the terms and conditions and privacy policies of the respective third parties. We shall not be held liable for any damages, losses, or liabilities arising from the actions, products, or services of third-party providers, payment gateways, or third-party websites linked from our website. Customers are encouraged to review the terms and conditions and privacy policies of third parties independently to understand their rights and obligations.



We reserve the right to modify or update these Terms at any time. Any changes made to these Terms will become effective immediately upon their posting on our website or other communication channels. It is your responsibility to review these terms periodically for any updates or modifications. If you continue to use the services after any changes to these Terms, it will signify your acceptance of the modified terms. If you do not agree with the updated terms, you may choose to discontinue your use of the Services. We may also provide you with notice of any significant changes to these Terms via e-mail or other appropriate means. Such notice will specify the nature of the changes and the effective date. Your continued use of the Services following the receipt of such notice constitutes your agreement to the revised terms.


These Terms represent the comprehensive and final agreement between you and us regarding the use of the Services. By accepting these Terms, you acknowledge your understanding and agreement to all the terms and conditions stated herein. No other representations or agreements, verbal or written, shall be considered binding unless explicitly incorporated in these Terms. When you provide any information to XtraPension, whether through our website, over the phone, by mail, in person, or via email, you automatically agree to abide by these Terms, including any future amendments that may be made.


We encourage you to carefully read and understand these Terms and any updates or modifications. Should you have any questions or concerns about these Terms or any changes thereto, please contact us on our e-mail support [at] xtrapension.com for clarification.