Terms and Conditions

1. Definitions and Interpretation

1.1. In these Terms and Conditions, unless the context otherwise requires, the following expressions have the following meanings:

1.2. The headings used in these Terms and Conditions are for convenience only and will not affect their interpretation. Any reference to “writing” and “written” includes emails. Any words in the singular form will include the plural and vice versa.

2. How The Contract Is Formed

2.1. These Terms and Conditions will form the basis of the Contract between you and us. Before purchasing Membership, please ensure that you have read these Terms and Conditions carefully. If you are unsure about any part of these Terms and Conditions, please ask us for clarification.

2.2. Nothing we may provide constitutes a contractual offer capable of acceptance. Your purchase of Membership constitutes a contractual offer that we may, at our discretion, accept. A legally binding Contract will be formed between you and us when we accept your Membership. This will be indicated by us sending you an email confirmation.

2.3. You can purchase Membership on a monthly or annual basis. Once the Contract is formed as set out above, it will continue in force on an ongoing monthly or annual basis as applicable, until it is cancelled or terminated in accordance with clause 8 below.

3. Your Account

3.1. You will need to create an account in order to access the Membership Content. Sharing of accounts is not permitted unless we expressly authorise this in writing, but we may agree to extend our support services to include a public service worker spouse or partner where applicable.

3.2. You must keep your account details confidential. We recommend the password you choose is strong and secure, in accordance with cyber-security best practice.

3.3. You must notify us as soon as possible if you believe your account has been accessed by any other person. We cannot be held responsible for losses or other issues caused by unauthorised account access.

3.4. When using your account, publishing information or interacting with other members, you must not submit content that is unlawful or otherwise objectionable. This includes, but is not limited to, content that is abusive, vulgar, obscene, threatening, harassing, defamatory or discriminatory. Any failure to comply with this clause could result in the suspension of your Membership and/or the deletion of your account.

4. Your Membership

4.1. The aim of our Membership subscription is to provide guidance intended to help you better understand public service worker pension scheme(s) and make more confident decisions about pension options and benefits.

4.2. No part of your Membership is intended to or will provide regulated financial advice, financial planning, investment advice, pension transfer advice, tax advice, legal advice or personal financial recommendations. You remain responsible for your own decisions and for conducting your own due diligence. We recommend you seek advice where required from a suitably qualified and authorised professional.

4.3. Membership Content is provided for general educational and guidance purposes only and should not be treated as financial, legal or tax advice, or as a personal recommendation to take or avoid any particular action. You must always check your relevant scheme information and seek professional advice where required before making important decisions.

4.4. We make reasonable efforts to keep Membership Content accurate and up to date, but rules, legislation and guidance may change.

4.5. We may make third-party partner discounts, offers or benefits available from time to time. As further detailed in clause 10.5, we do not guarantee the availability, value, suitability, quality or continuation of any partner offer.

4.6. We do not warrant that your access to the Website will be uninterrupted or error-free; nor that Membership and/or the information obtained by you from the Membership will be complete, current, applicable to your individual circumstances or meet your requirements.

4.7. In some circumstances, we may need to suspend access to the Membership Content (in full or in part) to fix technical problems, to make necessary changes, to update the content, or to make more significant changes to it. If we need to make more significant changes, we will inform you at least 30 days before the changes are due to take effect.

5. Booking Sessions With Us

5.1. We may provide the option to book guidance sessions, webinars, seminars and events as part of your Membership.

5.2. You may be able to book sessions through our online booking system or through an external third-party booking system.

5.3. All sessions are subject to availability. We reserve the right to cancel, rearrange or change session dates without liability. We will endeavour to give you as much notice as possible in this event. Any cancellations, rearranged dates or changes will be notified to you via email.

5.4. If you wish to cancel or rearrange a booked session, please use the link or contact details provided in the booking confirmation email. We require a minimum of 24 hours’ notice. If you fail to provide this notice on more than two occasions in a rolling 6-month period, we reserve the right to refuse further sessions as part of your Membership, and no refunds or price reduction will be offered.

5.5. For guidance sessions, you may be asked to provide information relevant to your personal circumstances. It is your responsibility to ensure that any information you provide is complete, accurate and up to date. Any guidance we provide will be based on the information provided and does not constitute regulated advice on which you should make decisions, in accordance with clauses 4.2 and 4.3.

5.6. The booking of sessions is subject to fair usage. If you book, or attempt to book, an excessive number of sessions, we reserve the right to terminate your Membership under clause 8.

5.7. Any information discussed during group sessions must be kept confidential and must not be shared in any way or for any purpose.

5.8. Any in-person events will be subject to the venue’s terms and conditions.

6. Price and Payment

6.1. The price payable for Membership is as stated on our Website. Payment must be made before the Membership Content will become available to you. You will be asked to complete your details and make payment via the Website. Once payment is received, the Membership Content will become accessible to you.

6.2. You can choose to pay for Membership on an annual or monthly basis. Payments will be taken by direct debit throughout the term of the Contract.

6.3. All prices include VAT, where applicable. If the rate of VAT changes, we will adjust the rate of VAT that you must pay from that time onwards.

6.4. All payments made via our Website will go through an online payment gateway provider, such as Stripe, and Membership access may be managed through a third-party platform, such as Memberstack. No credit or debit card information is provided to us, and completion of the transaction will be subject to you agreeing to this third party’s terms and conditions. A separate contractual relationship will be created between you and this third party, and we cannot be held liable for any errors, actions, omissions or incorrect charges that may be made by them.

6.5. We reserve the right to increase our pricing from time to time and will give you no less than 30 days’ notice of any changes. This will not affect annual Membership subscriptions until the next annual renewal date, and will not affect monthly Membership subscriptions until 30 days after the change has been notified to you.

7. Changes to the Membership and/or the Contract

7.1. We may add, remove, update or change Membership features and benefits from time to time. Membership does not guarantee that a particular feature, offer or other Membership Content will always be available.

7.2. We may revise these Terms and Conditions from time to time. If we significantly change these Terms and Conditions as they relate to the Contract between you and us, we will give you no less than 30 days’ notice of the changes, with details of how you may cancel if you are not happy with them. The updated version of these Terms and Conditions will be published on our Website. Your continued Membership after changes take effect will be treated as acceptance of the updated Terms and Conditions.

8. Cancellation

8.1. Once the Contract is formed, as set out in clause 2, it will continue in force for an initial term of 12 months. Before each term ends, we will send you a renewal reminder. Unless you notify us of your wish to cancel, the Contract will then automatically continue for further ongoing terms of 12 months. Please notify us of any changes to your contact details, so we can keep you updated.

8.2. As a consumer, you have a statutory right to a “cooling-off” period. This period begins once the Contract between you and us is formed, and ends at the end of 14 calendar days after that date. The cooling-off period applies again upon the renewal of each 12-month term throughout the Contract. However, please note that the Membership Content will become available to you immediately when the Contract is formed and by accessing any part of the Membership Content, you will lose your legal right to the cooling-off period. If you have not accessed any part of the Membership Content, and you wish to cancel the Contract within any cooling-off period, please inform us immediately. You will meet the deadline if you send your cancellation notice to us before the 14-day cooling-off period has expired.

8.3. You can cancel the Contract at any time by giving us 30 days’ written notice. If you have chosen annual Membership, then your access to the Membership Content will continue until the end of the 12-month term. If you have chosen monthly Membership, then your access to the Membership Content will continue until the end of the 30-day notice period. No refunds will be provided except where stated elsewhere in this clause 8.

8.4. You have a legal right to end the Contract at any time if we have suspended availability of the Membership Content for more than 14 days, or if we are otherwise in breach of the Contract. If you end the Contract for this reason, we will issue you with a proportional refund.

8.5. If you wish to exercise your right to cancel under this clause 8, please contact us in writing. Any refunds due will be issued within 14 calendar days of the day on which we agree that you are entitled to the refund, using the same payment method that you used when purchasing your Membership, unless you specifically request that we make a refund using a different method.

8.6. We reserve the right to terminate your Membership and/or the Contract at any time. If we do so, we will notify you by email and provide you with an explanation for the termination. If we terminate as a result of your breach of these Terms and Conditions, you will not be entitled to any refund. If we terminate for any other reason, we will refund you on a proportional basis. Access to any Membership Content will cease immediately from the date of termination.

9. Intellectual Property Rights

9.1. We reserve all copyright and any other intellectual property rights which may subsist in, or in connection with, the Membership Content. By using our Website you acknowledge that such content is protected by applicable intellectual property laws.

9.2. When you purchase access to the Membership Content, we will grant you a limited, non-exclusive, non-transferable, non-sub-licensable licence to access and use the relevant Membership Content for your own personal, non-commercial purposes. The licence granted to you does not give you any other rights in our Membership Content (including material that we licence from third parties).

9.3. You may not use, copy, reproduce, modify, distribute, rent, sell, publish, republish, share, broadcast or otherwise transmit the Membership Content (or any part of it), make it available to the public or use it for any commercial purposes, without our express prior written permission.

9.4. You must abide by the terms of use of our chosen Membership platform/platforms, which may change from time to time.

9.5. We reserve the right to take such actions as may be appropriate to restrain or prevent infringement of our intellectual property rights.

9.6. You acknowledge that you are responsible for any content you may submit and post using your account, including the legality, reliability, appropriateness, originality, and copyright of any such content.

10. Liability

10.1. Nothing in these Terms and Conditions seeks to limit or exclude our liability for death or personal injury caused by our negligence (including that of our employees, agents or sub-contractors); or for fraud or fraudulent misrepresentation.

10.2. Subject to clause 10.1, we will be responsible for any foreseeable loss or damage that you may suffer as a result of our breach of these Terms and Conditions or as a result of our negligence. Loss or damage is foreseeable if it is an obvious consequence of our breach or negligence or if it is contemplated by you and us when the Contract is created. We will not be responsible for any loss or damage that is not foreseeable.

10.3. We only supply the Membership Content for non-commercial use only. We make no warranty or representation that the Membership Content is fit for commercial or business use of any kind. We will not be liable to you for any loss of profit, loss of business, interruption to business or for any loss of business opportunity.

10.4. We may provide you with guidance, information and advice in connection with your Membership. However, we cannot be held responsible for any actions, or lack of actions, you may take as a result of our guidance, information or advice. We will not be liable for losses or other issues arising from reliance on general guidance as if it were regulated advice. We recommend you seek advice where required from a suitably qualified and authorised professional.

10.5. We may recommend partners and other third parties to you, and we may receive commission for such recommendations. However, we do not endorse such partners and the ultimate decision regarding their suitability rests with you. If you decide to work with any of our partners, a separate contractual relationship will be formed between you and that third party and we cannot be held responsible for their actions or lack of actions.

10.6. Nothing in these Terms and Conditions seeks to exclude or limit your legal rights as a consumer, or any other matter for which it would be illegal for us to exclude, or attempt to exclude, our liability. For more details of your legal rights, please refer to your local Citizens’ Advice Bureau or Trading Standards Office.

11. Communications

11.1. Applicable laws require that some of the information we send to you should be in writing. When using our Website, you accept that communication with us will be mainly electronic. We will contact you by email or provide you with information by posting notices on our Website. For contractual purposes, you agree to this, and you acknowledge that all contracts, notices, information and other communications that we provide to you electronically comply with any legal requirements that such communication be in writing. This does not affect your statutory rights.

11.2. Notices will be deemed to have been duly received and properly served immediately when posted on our Website, or 24 hours after an email is sent.

12. Data Protection

All personal information that we may process will be collected, processed, and held in accordance with the provisions of the Data Protection Act 2018, the UK GDPR and any amendments to them. For further information, please refer to the Privacy Policy on our Website.

13. Other Important Terms

13.1. We may transfer (assign) our obligations and rights under these Terms and Conditions (and under the Contract, as applicable) to a third party (if, for example, we sell our business). If this occurs, we will inform you in writing. Your rights under these Terms and Conditions will not be affected and our obligations under these Terms and Conditions will be transferred to the third party who will remain bound by them.

13.2. You may not transfer (assign) your obligations and rights under these Terms and Conditions or the Contract without our written permission.

13.3. The Contract is between you and us. It is not intended to benefit any other person or third party in any way and no such person or party will be entitled to enforce any provision of these Terms and Conditions.

13.4. We will not be liable or responsible for any failure or delay in performing any of our obligations under the Contract if that failure or delay is caused by any event beyond our reasonable control. This includes, but is not limited to, power failure, internet service provider failure, industrial action, fire, flood, storm, earthquake, act of terrorism or war, pandemic, epidemic, governmental action or any other event beyond our reasonable control.

13.5. If any of the provisions of these Terms and Conditions are found to be unlawful, invalid or otherwise unenforceable by any court or other authority, that/those provision(s) will be deemed severed from the remainder of these Terms and Conditions. The remainder of these Terms and Conditions will be valid and enforceable.

13.6. No failure or delay by us in exercising any of our rights under these Terms and Conditions means that we have waived that right, and no waiver by us of a breach of any provision of these Terms and Conditions means that we will waive any subsequent breach of the same or any other provision.

14. Law and Jurisdiction

14.1. These Terms and Conditions and the relationship between you and us will be governed by and construed in accordance with the laws of England and Wales. As a consumer, you will benefit from any mandatory provisions of the law in your country of residence. Nothing in this clause takes away or reduces your rights as a consumer to rely on those provisions.

14.2. Any dispute, controversy, proceedings or claim between you and us relating to these Terms and Conditions, or the relationship between you and us (whether contractual or otherwise) will be subject to the jurisdiction of the courts of England, Wales, Scotland or Northern Ireland, as determined by your residency.