Terms and Conditions

1. Introduction

Welcome to Pension Care ("we," "our," "us"). By accessing or using our website, pensioncare.net ("Site"), you agree to comply with and be bound by these Terms and Conditions ("Terms"). Please read these Terms carefully before using our services.

2. Services

Pension Care specialises in reviewing NHS pension calculations to identify potential errors that may have led to underpayments. Our services include:

  • Reviewing your NHS pension benefits and service records.

  • Identifying discrepancies or errors in pension calculations.

  • Assisting in rectifying identified issues to ensure accurate pension payments.

3. Eligibility

To use our services, you must:

  • Be a former or current member of the NHS Pension Scheme.

  • Provide accurate and complete information necessary for the pension review process.

  • Agree to our 'no win, no fee' basis, where fees are applicable only if we identify errors that result in increased pension benefits or arrears.

4. 'No Win, No Fee' Basis

Our fee structure operates as follows:

  • If no errors are found in your pension calculations, no fees are charged.

  • If errors are identified that lead to increased pension benefits or arrears, we charge 25% of any arrears paid to you. This includes both pension arrears and any lump-sum payments resulting from the correction.

Calculation Based on Gross Amounts

Our fee is calculated based on the gross arrears amount before any deductions such as tax or National Insurance contributions. The net amount you receive after deductions may be lower than the gross amount, but our fee remains calculated on the full gross figure.

Example:

  • Suppose we identify an underpayment in your NHS pension that results in arrears of £10,000 (gross).

  • Our fee would be 25% of £10,000, which is £2,500.

  • However, depending on your tax rate and personal circumstances, you may receive a lower net payment after deductions. For example, if tax and National Insurance contributions total 20%, your net arrears payment might be £8,000 instead of £10,000.

  • Even in this case, our fee remains £2,500, based on the original gross arrears amount.

It is important to consider how tax and other deductions may impact the final amount you receive. If you have any concerns about how this might affect you, we recommend seeking independent financial or tax advice.

5. User Responsibilities

By engaging our services, you agree to:

  • Provide accurate, current, and complete information as requested.

  • Promptly notify us of any changes to your information.

  • Use our services solely for lawful purposes and in accordance with these Terms.

6. Limitation of Liability

While we strive to provide accurate and efficient services, Pension Care is not liable for:

  • Any indirect, incidental, or consequential damages arising from the use of our services.

  • Errors or omissions in information provided by you or third parties.

  • Delays or failures in service delivery due to circumstances beyond our control.

7. Termination

We reserve the right to terminate or suspend your access to our services, without prior notice, for conduct that we believe violates these Terms or is harmful to other users of our services, us, or third parties, or for any other reason.

8. Governing Law

These Terms are governed by and construed in accordance with the laws of England and Wales. Any disputes arising under or in connection with these Terms shall be subject to the exclusive jurisdiction of the courts of England and Wales.

Privacy Policy

1. Introduction

Pension Care ("we," "our," "us") is committed to protecting and respecting your privacy. This Privacy Policy explains how we collect, use, and protect your personal data in compliance with the UK General Data Protection Regulation ("UK GDPR").

2. Data We Collect

We may collect and process the following personal data:

  • Identity Data: Name, date of birth, NHS Pension Scheme membership details.

  • Contact Data: Address, email address, telephone number.

  • Financial Data: Pension payment details.

  • Employment Data: Service records, employment history within the NHS.

3. How We Use Your Data

We use your personal data to:

  • Provide and manage our pension review services.

  • Communicate with you regarding our services, including updates and findings.

  • Process payments and manage fee arrangements.

  • Comply with legal obligations and regulatory requirements.

4. Legal Basis for Processing

Our processing of your personal data is based on:

  • Contractual Necessity: To fulfil our contractual obligations to you in providing pension review services.

  • Legitimate Interests: To improve and develop our services, manage our operations, and ensure network security.

  • Consent: Where applicable, we will obtain your consent for specific processing activities.

5. Data Sharing

We may share your personal data with:

  • Service Providers: Third-party service providers who assist in delivering our services (e.g., IT support, payment processors).

  • Regulatory Bodies: When required to comply with legal obligations or regulatory requirements.

  • Professional Advisors: Such as lawyers or auditors, to obtain professional advice or comply with legal obligations.

We do not sell or rent your personal data to third parties.

6. Data Security

We implement appropriate technical and organisational measures to protect your personal data against unauthorised access, alteration, disclosure, or destruction. These measures include encryption, access controls, and secure storage systems.

7. Data Retention

We retain your personal data only for as long as necessary to fulfil the purposes for which it was collected, including legal, accounting, or reporting requirements. Specific retention periods are determined based on:

  • The duration of our service provision to you.

  • Legal obligations to retain certain records.

  • The statute of limitations under applicable laws.

8. Your Rights

Under the UK GDPR, you have the right to:

  • Access: Request access to your personal data and obtain information about how we process it.

  • Rectification: Request correction of inaccurate or incomplete personal data.

  • Erasure: Request deletion of your personal data where there is no lawful basis for its continued processing.

  • Restriction: Request restriction of processing under certain circumstances.

  • Data Portability: Receive your personal data in a structured, commonly used, and machine-readable format.

  • Object: Object to processing based on legitimate interests or direct marketing.

To exercise any of these rights, please contact us using the contact details provided below.

9. Changes to This Privacy Policy

We may update this Privacy Policy from time to time. Any changes will be posted on this page, and where appropriate, notified to you by email. Please review this policy periodically to stay informed about how we process your personal data.

10. Contact Us

If you have any questions or concerns about this Privacy Policy or our data practices, please contact us at:

Pension Care
Office 142291
PO Box 7169
Poole
BH15 9EL
Email: admin@pensioncare.net