Home FCA Handbook PDCOB PDCOB 12 PDCOB 12.3 Permitted post-view services
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PDCOB 12.3 Permitted post-view services

06/04/2026R

A firm must only offer or provide post-view services that:

  1. (1)

     relate to pensions and retirement planning or are a type of service that supports customers in understanding their pensions and view data to enable them to better understand and consider their retirement planning;

  2. (2)

     have been user-tested in accordance with PDCOB 12.6.1R;

  3. (3)

     do not include:

    1. (a)

       an offer to sell (which includes sending an application form for a product);

    2. (b)

       an offer to arrange for the sale or purchase of;

    3. (c)

       selling; or

    4. (d)

       arranging for the sale or purchase of (which includes sending an application form for a product),

    an investment to or for a customer; and

  4. (4)

     do not include investment advice, targeted support services or advising on pension transfers and pension opt-outs.

30/11/2024G

A firm is permitted to ask a customer to input data into the post-view service, such that post-view services can be provided, either by way of auto-populated data from the view services, pensions dashboard self-asserted data or a mixture of both.

30/11/2024G

Firms are reminded that they may require permission to carry on regulated activities other than regulated pensions dashboard activity if any post-view services amount to regulated activities.

30/11/2024G

Firms are reminded that when they provide post-view services, they must comply with their obligations in PRIN, including:

  1. (1)

    acting to deliver good outcomes for retail customers (Principle 12);

  2. (2)

    enabling and supporting retail customers to pursue their financial objectives (PRIN 2A.2.14R); and

  3. (3)

    designing and delivering support to retail customers such that it meets the needs of retail customers, including those with characteristics of vulnerability (PRIN 2A.6.2R).

30/11/2024G

Pursuant to PDCOB 12.3.1R(4), a firm is not permitted to offer a post-view service which amounts to advising on pension transfers and pension opt-outs. This includes abridged advice. However, a firm is permitted to offer post-view services which support and engage customers with their safeguarded benefits. A firm should ensure that such support and engagement does not stray into the regulated activity of advising on pension transfers and pension opt-outs and should consider the guidance in PERG 2.7.16GG.

30/11/2024G

Firms should consider how assumptions about future investment returns and charges can influence customers’ decision-making on transferring or converting safeguarded benefits. Firms should ensure that such assumptions do not result in the firm advising on pension transfers and pension opt-outs.