The Association of Pension and Benefits Claimants CIC abides by the USA Fair Use and UK Fair Dealing legislation. Our website is designed to help educate and inform people on low incomes, and help them improve their lives. From time to time, this may involve us using work, which in another context would be considered copyright.  Material is used for criticism or review, and the material quoted is no more than is necessary for the purpose. If you feel that we have infringed or violated your rights as Copyright owner, please contact us immediately and every effort will be made to correct any issues. We are responsible people, and we try and produce our own work as much as possible but we are a small organisation and rely on the goodwill of others. We acknowledge the copyright holder where ever possible and thank those, from our hearts, who kindness and generosity allows us to continue our good work.