Terms and Conditions for our Online Services
Last updated April 2025.
Welcome to the Terms and Conditions for our Online Services (the “Terms”). These Terms are the legal agreement that apply to our relationship and your use of any of our Websites, Portals, Platforms and Online applications or our Apps (“Online Services”).
1. Important information before you use our Online Services
The Online Services are operated by the following:
Verity Trustees Limited (registered company number 00744017) as trustee (the “Trustee”) of The Pensions Trust and The Pensions Trust 2016 (the “Schemes”)
TPT Retirement Solutions Limited (registered company number 09639961) (“TPTRSL”)
TPT Investment Management Limited (registered company number 14527587) (“TPTIML”)
(collectively “we”, “us”, “our” or individually the “Trustee”, “TPTRSL” or “TPTIML”)
You are encouraged to read these Terms carefully. By using any of our Online Services, you acknowledge and accept these Terms. If you don't accept these Terms, you should not use the Online Services or the services provided through them. On each occasion that you access the Online Services you'll be deemed to have accepted the Terms as applicable at that time.
By using the Online Services you agree to our Cookie policy.
2. Privacy notices – how we use your information
You can view our privacy notices on our online sites to see how we collect and use your personal information. By using the Online Services, you agree to the relevant privacy notice.
Registering and signing in to an account
If you register an account with us on one of our online services, we will collect and process your personal details such as your name, membership/employer number, company, job title, email address, national insurance number and phone number. We will use this information to create an account for you and to help you sign into the account in future so you can access information relating to your pension savings and useful tools for managing and engaging with your pension savings.
You will be able to see the privacy notice relevant to your pension scheme during your online journey to explain in more detail how we will use your information. Please be aware that if you have (or if you are an employer, your employees have) pensions savings which are administered by us, but the pension scheme is run by a different trustee to Verity Trustees Limited, the personal (and other) information which we collect and process on behalf of that trustee about you or your company will be subject to that trustees’ privacy notice.
3. Communicating with you regarding your pension savings
We may use your email(s) we already have or you have used to register an account to provide you with helpful information relating to your pension savings and about useful tools for managing and engaging with your pension savings. If you would like to change your communication preferences, you can do so in your online account.
4. Financial and legal advice
From time to time, we provide financial information, articles and tools to help keep you informed about general financial, market and general public conditions.
Our Online Services and their content do not constitute accounting, broking, consulting, investment, insurance, legal, tax or any other type of financial advice for the purposes of the Financial Services and Markets Act 2000 or otherwise. Any information that is provided to members, prospective members or any other person (whether an individual or a company) should be taken as general information only and not advice or recommendation of any kind (whether financial, legal or otherwise).
When providing general information to members, prospective members or any other person, we take reasonable care to make sure that this is accurate. However, you should not rely on any of the information on our Online Services for advice or as a recommendation that a product or investment is suitable for you or your circumstances. Any decision or choice made after accessing the Online Services remains solely the individual's and we are not responsible in any way for such decisions and choices.
We would therefore strongly recommend that anyone accessing information on the Online Services takes independent financial advice or any other appropriate professional advisor who has full knowledge of your individual circumstances.
We accept no liability arising out of or in connection with any financial or other decisions that you choose to make having accessed our Online Services.
Some of the information, tools and articles presented on our Online Services are provided by third parties and do not represent our views or opinions. We are not responsible for the validity or accuracy of such publications and all publications are provided for information purposes only.
5. Intellectual property
All rights are expressly reserved in all Intellectual Property of the Online Services, including but not limited to:
Trademarks
All images, logos, icons, service marks, names and trademarks on the Online Services are proprietary marks and belong to us and any applicable third parties. Unless otherwise agreed in writing with us, nothing on the Online Services can be used by any other person or company and any unconsented use may constitute an infringement of our rights.
Copyright
We or any applicable third parties are the owners of all copyright, design rights, graphical and content elements, algorithms, database rights and other intellectual property rights unless otherwise stated as well as the intellectual property rights in the content, look and feel or links on the Online Services.
6. Your limitations on use of our Online Services
The content on the Online Services is for personal use only and not for commercial exploitation. You may use the Online Services for your own personal use or your organisation’s internal use only. You may not decompile, reverse-engineer, disassemble, rent, lease, loan, sell, sublicense or create derivative works from the Online Services or the content. Nor may you use any network monitoring or discovery software to determine the site architecture, or extract information about usage or users. You may not use any robot, spider, or other automatic or manual device or process to monitor or copy the Online Services or the content. Except for any report or assessment which you generate and save and any materials which are made available for download, you may not print, download, copy, modify, reproduce, republish, distribute, display, or transmit for commercial, nonprofit or public purposes all or any portion of the Online Services.
Except for any report or assessment which you generate and save and any materials made available for download, reproduction of any applications or services without our written consent is not permitted and no part of the content on the Online Services is allowed to be incorporated into, or stored in any other website, electronic retrieval system or other work in any form.
7. Our liability
We have taken all reasonable steps to ensure the accuracy and completeness of the content on the Online Services and we do our best to correct any errors and omissions as soon as we are aware of them. The information contained on them is based on legislation and tax regulations in force at the time of publication and all benefits are always subject to relevant applicable limits such as the lifetime allowance and annual allowance set by HM Revenue & Customs (“HMRC”).
No information on the Online Services represents a promise or guarantee of the amount of any benefits that you might receive at retirement or in any other circumstances. Benefits are determined by the rules of your pension scheme and subject at all times to the prevailing HMRC limits and any other overriding statutory and regulatory provisions. Similarly, no information contained on the Online Services represents an indication, promise or guarantee of investment performance.
If there is any conflict between any information given on the Online Services and your pensions scheme’s trust deed and rules or any other scheme document, as they are relevant to you, the scheme documents will prevail subject only to HMRC limits and any other statutory and/or regulatory provision.
We have no liability to you or others regarding the Online Services, including damage caused by:
- inaccurate, untimely, incomplete or erroneous information
- unavailability of the Online Services at any time or for any period
- failure to log in, access the Online Services or stay online
- events beyond our control or which could not have been reasonably foreseen
- third party interference such as hacking, computer viruses, bugs, trojans, information posted on the web by unauthorised parties, phishing, and any other cyber-crime.
We do not limit our liability for:
- death or personal injury as a direct result of our negligence; or
- for our own fraud or fraudulent misrepresentation.
8. Availability of the Online Services
While we have taken care in the provision of the Online Services we cannot guarantee that you will have uninterrupted or error free access to them of their content at all times. We may suspend, withdraw, change or restrict the availability of all or any part of our Online Services for business and operational reasons without notice. We cannot be liable for any consequences that arise out of or in connection with any such lack of availability of the Online Services at any time.
We reserve the right to terminate your access to the Online Services in full or in part at any time.
9. Virus protection
We make every effort to check and test the Online Services for viruses at every stage of production, running and maintenance. You must make sure that the way you use the Online Services does not expose you to the risk of viruses, malicious computer code or other forms of interference which can damage your computer system.
Save as set out in in paragraph 7 above, we are not responsible for any loss, disruption or damage to your data or computer system arising out of or in connection with your use of the Online Services.
10. Viruses, hacking and other offences
When using the Online Services, you must not introduce viruses, trojans, worms, logic bombs or any other material that is (or might be) malicious or technologically harmful.
You must not try to gain unauthorised access to the Online Services, the server on which it is stored or any server, computer or database connected to it. You must not send or upload anything that is (or might be considered to be) defamatory, offensive, obscene or discriminatory.
You must not attack the Online Services in any way or facilitate (or attempt to facilitate) any other person doing so (or attempting to do so). This prohibition includes denial-of-service attacks.
We will report any attacks or attempts to gain unauthorised access to the Online Services to the relevant law enforcement authorities and share information about you with them.
11. What to do if you think something is inappropriate
If you believe that any content which is distributed by or published on the Online Services is inappropriate you should contact us immediately using the contact details set out below.
12. Information you provide
Where we provide you with products and financial services, we must have accurate information from you. So, in providing information to us, you confirm that all data you have given is accurate and if you wish to correct or update the information you give us, you can do so by contacting us.
Intentionally providing false or misleading information or using another person’s e-mail or personal information for the purposes of falsely obtaining any of our products or services, may lead to termination or forfeiture of the product or services and may result in legal action. We may terminate any services or products provided to you or others based upon your intentionally providing materially false information or acting a false identity that you have supplied to us.
13. External links
We may provide links to other websites that are not under our control. These links are provided for your convenience. When you activate these links, you will leave our Online Services. We do not endorse or take responsibility for the content on any third-party websites or their availability. We are not liable for any loss or damage that you may suffer by using those websites and you accept that you are accessing linked websites entirely at your own risk. You may not link any other websites to our Online Services without our permission
14. Site access and password usage
The Online Services are intended to be used only by UK residents. We do not represent that content available on or through Online Services is appropriate for use or available in other locations.
If you register an account with us, you are responsible for maintaining the confidentiality of your details and your password and for restricting access to your computer to prevent unauthorised access to your account. You accept responsibility for all activities that occur in respect of your account and you agree to take all steps necessary to ensure your password and any of your personal data is kept confidential. You agree to inform us immediately if you suspect your password or any of your personal data is being used in an unauthorised manner.
15. Changes to these Terms
We may revise these Terms including the relevant Privacy Notice and the Cookie policy that are set out in separate documents, without notice, at any time. We urge you to check from time to time for any changes to these Terms. You expressly agree to any changes if you continue to use the Online Services after the Terms have been updated whether or not you are aware of any such changes. We may also change or withdraw access, use or terms of registration for the Online Services at any time, without notice.
16. Law
The laws of England and Wales shall govern the use of the Online Services and in the event of a dispute you irrevocably submit to the exclusive jurisdiction of the English Courts.
17. About us
Our registered office for the Trustee, TPTRSL and TPTIML is Verity House, 6 Canal Wharf, Leeds LS11 5BQ.