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Terms & Conditions

The Workplace Pension Consultancy Limited offers an independent service, which undertakes a regular and fair analysis of the auto enrolment/workplace pension market place, who will accept third party introductions, in order to provide a  cost effective solution to employer’s who must, by their Staging date, implement a qualifying pension scheme for their workforce.

1. Our terms: 

Where the term “We” or “us” is used in these terms and conditions, it refers to “The Workplace Pension Consultancy Ltd”.

Where the term “You” or “Your”  is used in these terms and conditions, it refers to “The Applicant”

“The Applicant” means the person who has the legal right to enter into a contract with us on behalf of the business or has delegated that legal right to the person who completes and submits this application form to us.

Where the term “Elavon” is used in these terms and conditions, it refers to the Merchant Services Card Processing Company in association with Santander, to whom you submit your payment details to.

We will only accept applications for a workplace pension scheme by way of a fully completed application form via our website, www.theworkplacepensionconsultancyltd.co.uk

On receipt of your fully completed  application form, we will send you a confirmation email with an order number. When you receive your confirmation email, this indicates that we have received your order. It does not indicate that a contract exists between us. We will indicate acceptance of your order, and hence a contract between us, when we send you an invoice. We have included this term to protect your right to change your mind.

2. Your Right to Change Your Mind.

You have the right to change your mind within Seven days (7 days), also known as “The Cooling Off Period”, from receipt of your confirmation email.  We  will not process your application until after this Cooling Off Period has expired, after which we will issue you with an invoice.

3. Our “Core Service” 

Following the receipt of your fully completed application form, we will send confirmation that we have received your completed application form, this confirmation does not constitute a contract between you and us.

On confirmation from the card processing company that your payment details have been verified and the 7 day “Cooling Off” period has expired, we will:

Send an invoice for our fee, which indicates that a contract now exists between us and that we have began our process of using the information from the fully completed application form and our independent research to select a workplace pension provider that meets your requirements; select a default pension fund for employer and employee contributions; complete all paperwork required by the workplace pension scheme provider to initiate the scheme, to the point of acceptance by the workplace pension provider, who will issue, to you their workplace pension provider’s terms and conditions.

So that there can be no misunderstanding, it is for this “Core Service”, to provide the workplace pension provider’s acceptance terms and conditions and this service only that our fee becomes payable. It will be your decision to implement the workplace pension scheme by accepting the workplace pension provider’s terms and conditions.

4. Additional complimentary Services

Once you have accepted the workplace pension scheme providers terms and conditions, we will provide the applicant with:

A template letter, to be sent to the workforce, explaining the details of the Workplace pension scheme;

A template letter, to be sent to the workforce  indicating that they may “Opt Out” of the workplace pension scheme

Data capture forms to be completed by the workforce, this information will be needed by the payroll administrators;

5. Card Payments

All card transactions take place on a secure server and we accept all major Credit and Debit cards.

By submitting your card details, you are giving Elavon permission to debit your account immediately. Payments will be made to us on a deferred payment basis, this means that your payment will be collected by Elavon and held by them for a period of 14 days after the 7 day cooling off period (21 days in total) has expired and the workplace pension scheme provider has issued their terms and conditions for acceptance.

6. Force Majeure

The Workplace Pension Consultancy Ltd shall not be in breach of this contract and shall not incur any liability to you, the applicant, if there is any failure to perform its duties due to any unforeseen circumstances reasonably beyond its control.

7. Complaints Procedure

If you should wish to register a complaint, please write to The Workplace Pension Consultancy Ltd, Head Office at Suite 86 Waterhouse Business Centre, Cromar Way, Chelmsford, Essex CM1 2QE, email enquiries@theworkplacepensionconsultancyltd.co.uk or telephone 0345 314 8972

Once received we will acknowledge your complaint within 10 working days, investigate your complaint and respond within the following 25 working days.

8. Data Protection

The information you have provided is subject to the Data Protection Act 1998 (the “Act”). By submitting the application form to us, you are giving your consent to us or any company associated with us to process, both manually and by electronic means, your personal data for the purposes of providing advice, administration and management.

You may be assured that we any any company associated with us will treat all personal data and sensitive personal data as confidential and will not process it other than for a legitimate purpose. Steps will be taken to ensure that the information is accurate, kept up to date and not kept for longer than is necessary. Measures will also be taken to safeguard against unauthorised or unlawful processing and accidental loss or destruction or damage to the data.

Subject to certain exceptions, you are entitled to have access to your personal and sensitive personal data held by us. You may be charged a fee (subject to the statuary maximum) for supplying you with such data.

 9. Law

This application and its terms and conditions is governed and shall be constructed in accordance with English Law and the parties shall submit to the exclusive jurisdiction of the English Courts.

10. Anti-Money Laundering

We are required by anti-money laundering regulations to verify the identity of our clients, to obtain information as to the purpose and nature of the business which we conduct on their behalf, and to ensure that the information we hold is up-to-date. For this purpose we may use electronic identity verification systems and we may conduct these checks from time to time through out our relationship, not just at the beginning.

11. Termination

The authority to act on your behalf may be terminated within the 7 day cooling off period, without penalty by either party by giving notice in writing, which includes email, to that effect to the other, but without prejudice to the completion of transactions already initiated. Any transactions effected before termination and after the cooling off period, then our refund policy will apply. Please see our Refunds policy below.

12. Refunds

You will receive a full refund of all monies collected by Elavon should you change your mind within the Seven days (7 days) cooling off period. Should you change your mind after the cooling off period by terminating your contract with us, due to the fact that we will have completed our independent research as to which pension provider we will recommend and submitted your information from the fully completed application form to the chosen pension provider, no refund will be paid to you.

13. Disclaimer

The Workplace Pension Consultancy Ltd cannot accept liability for any employer failing to meet their obligations to the Pension Regulator.

14. Privacy Policy

General principles

The Workplace Pension Consultancy Limited, is committed to keeping your personal data and sensitive personal data private. By ‘personal data and sensitive personal data’ we mean any information about you that you or third parties provide to us. This policy relates to the privacy of your personal data and sensitive personal data at www.theworkplacepensionconsultancyltd.co.uk.

The Privacy Principles below explain how we will handle your personal data and sensitive personal data.

The way in which information about you is held and used is described in section 8 of these terms and conditions.

Online services
1. Information we collect – The information requested in the online application form will be used for security, identification and verification purposes.
We will retain information collected about you online for as long as permitted for legitimate business purposes.

2. Use of cookies
For information about cookies and how they’re used on this website, visit our cookies page.

The Workplace Pension Consultancy Limited is committed to safeguarding the privacy of your personal data and sensitive personal data . By ‘your personal data and sensitive personal data ‘ we mean any information about you that you or third parties provide to us.
We will only collect and use your personal data and sensitive personal data where we have lawful grounds and legitimate business reasons to do so
We will be transparent in our dealings with you and will tell you about how we will collect and use your personal data and sensitive personal data
If we have collected your personal data and sensitive personal data for a particular purpose we will not use it for anything else unless you have been informed and, where relevant, your permission obtained
We will not ask for more personal data and sensitive personal data than we need for the purposes for which we are collecting it
We will update our records when you inform us that your details have changed
We will continue to review and assess the quality of our information
We will implement and adhere to information retention policies relating to your personal data and sensitive personal data and will ensure that your personal data and sensitive personal data is securely disposed of at the end of the appropriate retention period
We will observe the rights granted to you under applicable privacy and data protection laws and will ensure that queries relating to privacy issues are promptly and transparently dealt with
We will train our staff on their privacy obligations
We will ensure we have appropriate physical and technological security measures to protect your personal data and sensitive personal data regardless of where it’s held
We will ensure that when we outsource any processes the supplier has appropriate security measures in place and will contractually require them to comply with these Privacy Principles
We will ensure that suitable safeguards are in place before personal personal data and sensitive personal data is transferred to other countries
You’re not required to provide any personal data or sensitive personal data on the public areas of this website. However, you may choose to do so by completing the forms on various pages of the site. We’ll only use the information you provide to us on these pages in order to process the relevant form.

If you  already have a relationship with us you will have been advised by various methods about how to collect and use your information.

If you have any questions about privacy at The Workplace Pension Consultancy Limited, please contact The Workplace Pension Consultancy Limited Privacy and Data Protection Team at Suite 86 Waterhouse Business Centre, Cromar Way, Chelmsford, Essex CM1 2QE or by telephone on 0345 314 8972 or email to enquiries@theworkplacepensionconsultancyltd.co.uk

By making an application for a workplace pension via our on-line application form you are indicating that you have read these terms and conditions and are prepared to accept them.

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