Our membership rules

1. These rules govern your membership of the MyPensionCare programme ("MyPensionCare") and define the terms of the contract between PensionCare Ltd ("we") and each member ("you"). If you register with MyPensionCare, you accept these rules. These are the only terms and conditions that apply, and they override any other terms and conditions that might otherwise apply. We may refuse membership for any valid reason, and we reserve the right to suspend or terminate your membership immediately and without notice if we consider that you have breached these rules.

2. Membership of MyPensionCare is offered at our sole discretion and we reserve the right to change these rules at any time by posting changes online in this section, giving you 10 working days' notice of any material changes. If you continue to use MyPensionCare after any changes are posted, you agree to be legally bound by these terms as amended.

3. When you click on a retailer advertised on the MyPensionCare website (the "Website") or mobile application (the "App"), both of which are referred to as "MyPensionCare devices", we effectively act as an advertising agent for the retailers by sending them customers and online traffic. In return, the retailers (and their tracking agencies) pay us a commission. It is this commission ('Pension contributions') that we converted into an equivalent cash credit and paid it to our designated pension provider (the " Appointed provider") or our appointed fund management partner (" Appointed manager") both referred to as the " Appointed partners" to manage and invest the funds for your benefits in retirement("Conversion").

1. To join MyPensionCare you must be over 18 years old and resident in the UK. Only one membership per person is permitted.

2. You agree to use the MyPensionCare devices, and to take advantage of the MyPensionCare membership in accordance with these rules and only for the purposes for which they are designed and intended. You agree not to use MyPensionCare for any unlawful purpose or for any commercial purpose without prior authorisation.

3. Your membership will come into effect when you complete your registration on MyPensionCare devices. You represent to us that all information you provide is true and accurate and you must inform us immediately of any changes to your profile, such as preferred email address. By registering on MyPensionCare devices, you consent to us processing your personal data in accordance with our privacy policy.

4. If you do not have a plan, by registering with us, you authorise PensionCare Ltd to share your personal information with our Appointed provider where your Pension contributions are deposited and invested for your retirement.

5. The legal owner of the e-mail address used to register for MyPensionCare devices is considered the owner of the account. Pension contributions earned by a third party using the account will be credited to the Account as if you had made the transaction yourself.

6. Any use of our MyPensionCare devices is based on the assumption that full authorisation has been obtained from all parties involved. This may include, but is not limited to, employers, friends, family, and businesses.

7. Once you are a member, we create an online membership account for you where you can access and update your profile and monitor your balance online using the username and password you chose when you registered ("Account"). Your Account is personal to you and is not transferable.

8. Be sure to update your account with your current email address to ensure you don't miss out on important information about your account. If you do not have a usable email address or if you mark our emails as spam, junk or abusive, we may terminate your account.

9. The balance shown in your Account dashboard reflects the total value of Pension contributions, paid to our appointed provider on your behalf after a Conversion.

Membership of MyPensionCare is free and allows you to accrue Pension contributions, which gives you access to the main benefits described below:

1. Building up a pension pot for your retirement

1.1. Our Appointed provider / your pension provider receives the Pension contributions, on your behalf to help you build up a pot of money that you can use to provide an income in retirement. You don't have to do anything, as the Conversion is done automatically.

1.2. You will find details of our Appointed provider on your Account.

1.3. Every month, or at a time we consider appropriate, we will check the balance of your Pension contributions in your Account if it exceeds the minimum transfer limit, we will transfer this cash credit to our Appointed provider / your pension provider as soon as reasonably possible.

1.4. The minimum transfer limit is the greater of £25 or the minimum deposit amount set by our Appointed provider / your pension provider,and is subject to their terms and conditions.

1.5. Pension contributions have no monetary value other than what we may credit them with equivalent cash after due Conversion and cannot be used for any purpose other than as set out in this clause 3.

1.6. The amount you will receive at retirement depends on the amount of your pension capital and its growth. Your pension capital is made up of Pension contributions earned through MyPensionCare, your own additional pension contributions(if any), and those of your employer (if any), together with investment returns and government tax relief.

1.7. We will endeavour to rectify any payment or administrative errors, but we will not be liable if the error is due to incorrect information provided by you.

2. Receiving free cash every year until the age of 75.

2.1. Each retail participant has agreed to pay us a commission for sending customers and online traffic. Our appointed managers invest these commissions and we shared with our active members, as defined in this clause 2.

2.2. MyPensionBenefits is based on the length of your membership and the amount earned for each qualifying transaction made at participating retailers.

2.3. From age 55 or after a minimum of 5 years' membership (whichever is greater), MyPensionBenefits will be paid automatically into the bank Account you have registered with us.

2.4. MyPensionBenefits will be paid on the membership anniversary date by BACS each year.

2.5. MyPensionBenefits will be paid until you reach the age of 75, your account is locked or your membership is terminated.

3. For the avoidance of doubt

3.1. The equivalent cash credit resulting from the commutation of your Pension contributions can only be transferred to our Appointed provider / your pension provider.

3.2. The balance of Pension contributions in one or more Accounts may not be pooled or combined except in accordance with this agreement.

3.3. We hereby exclude any liability if we are unable to carry out the commutation for any reason beyond our control.

3.4. No costs or charges will be incurred in connection with the Conversion.

3.5. Neither the Pension contributions nor the equivalent cash balance may be claimed or refunded.

3.6. These rules do not apply to any of the workplace pensions we administrate, which are subject to the current automatic enrolment regulations.

3.7. You will need to complete your registration on our designated provider's platform, where we will pay your earned Pension contributions solely through MyPensionCare.

3.8. You acknowledge and agree that we must share with our Appointed provider / your pension provider some the personal data you have provided to us, in order to open a personal plan, or make a payment.

3.9. You acknowledge that we exclude all liability for the management and administration of your personal pension plan as this is beyond our control and subject to the terms and conditions of our Appointed provider / your pension provider.

3.10. The choice of our Appointed partners is made at our sole discretion, and we reserve the right to change them at any time, without notice.

1. All transactions are made directly with the retailer. When you make a purchase via MyPensionCare devices, it is tracked using cookies and various other technologies that allow the retailer to identify that a purchase has been made, who made it and where it came from. Once the retailers or tracking agency ("Retailers) has identified the purchase and recognised it, it appears in your Account as "pending". When the retailer validates the purchase, it may appear in your Account as "confirmed". Once we have received the commission from the retailer, it will appear in your Account as "payable".

2. Pension contributions will be processed as described in the section 3.1

3. Pension contributions are only paid for transactions that meet the following criteria:

3.1. A click on the retailer's offer button on MyPensionCare devices. Clicking on a retailer via any other link or sponsored advertisement will not activate tracking and we will not receive any commission.

3.2. Complete your purchase from the time you clicked on the retailer. If you leave our Website to go to a third party or if you do not complete your transaction at the time you click on the link, the transaction will not be recorded on your Account.

3.3. Repeat purchases may not qualify for Pension contributions and you must purchase for genuine reasons. By making a transaction through the MyPensionCare devices, you acknowledge that the retailer has discretion to determine whether a transaction is genuine, and you acknowledge that we will not be liable for Pension Contributions if a retailer has deemed a transaction fraudulent.

3.4. Notification from the retailer or its tracking network that a transaction has been tracked directly to your Account by an identification tag. If you are not logged into your Account when you make your purchase, there will be no identification tag linking you to the current transaction.

3.5. Notification by the retailer or its tracking network that your purchase is an eligible transaction. As explained above, whether a purchase is a qualifying transaction is entirely at the discretion of the retailer and you acknowledge that we will not be responsible for any Pension contributions paid to you if the retailer does not accept your transaction as a qualifying transaction.

3.6. A valid Account is in place. If your Account is terminated or deactivated for any reason, all Pension contributions payable will be considered lost.

3.7. Pension contributions may be refused if all or part of your order is returned, changed, or cancelled.

4. You acknowledge and agree that for us and Retailers to track and confirm your purchase (as explained in paragraph 3.4 above), the Retailers will share with us the order ID relating to your purchase.

5. If you notify us that a transaction has not been recorded on your Account as you intended (a "Claim"), we will use our best endeavours to investigate the Claim with the Retailers, subject to our right to terminate investigations at any time in our sole discretion.

6. You acknowledge the following:

6.1. The decision of the Retailers is final in relation to the payment of commission to us and that in turn our decision is final in relation to the payment of Pension contributions to you. We will use all reasonable endeavours to secure payment of commission on a transaction, but we do not and cannot make any guarantees in this respect. If, for any reason, we do not receive the commission on a transaction, we will not be obliged to pay the relevant pension contributions to you.

6.2. The estimated payment dates shown on transactions are purely indicative and do not constitute a guaranteed date for the Conversion and the transfer of funds to our Appointed partners / your pension provider. If the estimated payment date for commission on a transaction is exceeded and/or progress is delayed, we will not be liable to pay the relevant pension contributions.

7. We reserve the right to reclaim or adjust any payment of Pension contributions if pension contributions have been paid to you in error. This may include, but is not limited to, transactions where Pension contributions are not actually due to you or where any commission for a transaction has not been received from a retailer or its agencies but has been paid to you in error as pension contributions.

8. It is important to note that we do not hold money in your Account, as a bank would, and ownership of Pension contributions is only transferred to you when we transfer the equivalent cash credit resulting from the Conversion of your Pension contributions to our Appointed partners / your pension provider for your long terms benefits.

9. For the avoidance of doubt and notwithstanding any other provision contained in these terms and conditions, you agree and acknowledge that in all circumstances the payment of Pension Contributions is at our discretion and that we may refuse to pay Pension Contributions to you for any reason.

1. Ownership of all Pension contributions, whether or not credited to a member's account, including the right to convert such Pension contributions into an equivalent cash credit, as well as the right to share any interest earned on funds invested by our Appointed managers, shall belong to us at all times until, after Conversion, the equivalent cash credit is transferred to our Appointed providers / your pension provider for your personal pension plan, or MyPensionBenefits has been paid into the bank account you have registered with us in accordance with clause 3.2.3.

2. The risk (including, for example, theft and fraudulent use) associated with the Pension contributions passes to you once, after the Conversion, we have paid our Appointed providers / your pension provider. We will not be liable for any unauthorised transactions on the balance of your personal pension plan or any transactions of any kind with our Appointed providers / your pension provider.

3. Subject to the terms of this agreement, neither Pension contributions nor equivalent cash credits are transferable in any way.

1. Accessing your personal pension plan is beyond our control and subject to the UK legislation and the terms and conditions of our Appointed provider / your pension provider.

2. Under clause 3, from age 55 or after a minimum of 5 years' membership (whichever is the greater), MyPensionBenefits will be paid automatically into the bank account you have registered with us. It is your responsibility to inform HMRC if you are required to pay tax on MyPensionBenefits. If you are unsure, please seek advice.

3. You can request a deferment of the payment of your MyPensionBenefits at any time via your Account. Please note that payments are made once a year and you can only request one deferment per year. MyPensionBenefits will be deferred to the following year, and you may request a further deferment if you wish.

4. In the event of a deferment, your MyPensionBenefits are reinvested and therefore cannot be guaranteed in any way, but the deferment will automatically increase the amount of your share.

5. You can change your payment details at any time.

6. It is your responsibility to ensure that payment details are correctly reported. We are not responsible for sending benefits payable from MyPensionCare to an incorrect destination if you have provided incorrect information. These payments may not be recoverable or may be subject to recovery charges.

7. We are not responsible for any delay in payment or the consequences of any delay that may occur.

8. We reserve the right to suspend payment of MyPensionBenefits at any time without notice if we have reason to suspect that fraudulent activity has taken place.

1. Where a voucher code (also known as a discount code or coupon code) is advertised on MyPensionCare devices, we do not guarantee its validity and we will not be liable in any way if a voucher code fails to apply a discount. In addition, you acknowledge that the use of a promotional code from MyPensionCare devices used in conjunction with another offer from the same retailer may result in you not receiving Pension contributions in accordance with the terms of the offer as set out on the MyPensionCare from time to time.

2. You acknowledge that voucher codes which are not obtained from MyPensionCare devices, but which are used in conjunction with an offer on MyPensionCare will often result in your pension contributions not being awarded.

If you refer someone to us on MyPensionCare devices as set out on MyPensionCare devices, we will credit your account with the amount applicable at the time of referral in accordance with the terms described on MyPensionCare devices.

Our referral scheme is currently unavailable.

1. You may terminate your membership at any time by sending us an email or letter stating that you no longer wish to be a member. As set out in clause 3.3.5 and clause 5.1, neither pension contributions nor the equivalent cash balance can be claimed or refunded and belong to PensionCare Ltd.

2. In the event of fraudulent, abusive, or other activity that we deem unfair, we reserve the right to close your account.

3. In case of death, your account will be automatically closed.

4. Please note that accounts may be locked if we determine, at our discretion, that they are inactive.

5. For members who do not receive payment from MyPensionBenefits, you are required to log in to your account at least once every 6 months to keep your account active (although you are not required to make a purchase).

6. For members who receive payment from MyPensionBenefits:

6.1. Your account will remain active, as long as you continue to make qualifying transactions at participating retailers, which will increase your MyPensionBenefits you receive each year.

6.2. In the event that you no longer use MyPensionCare, you will continue to receive MyPensionBenefits until the age of 75, but your account will be locked. To keep your account activated, please refer to clause 9.6.1.

7. If we plan to terminate your membership, you acknowledge that you will lose your entitlement to MyPensionBenefits, and we accept no responsibility or liability for any loss or damage you may suffer because of the termination of your membership.

1. We will use reasonable care and skill in performing our obligations to you, but we do not guarantee that the MyPensionCare devices will meet your requirements.

2. We do not exclude or limit in any way our liability to you where it would be illegal to do so. This includes liability for death or personal injury caused by our negligence or the negligence of our employees, agents, or sub-contractors, and for fraud or fraudulent misrepresentation.

3. Subject to clause 10.2, we will not accept any liability for any loss or damage you may suffer:

• for any loss of income, business, anticipated savings or profits;

• any indirect, special, or consequential loss, damage, or other claim, however caused or arising;

• arising out of any transaction made through MyPensionCare devices with a retailer;

• in relation to the accuracy or content of any product or service reviews posted on our site or any other website you may access through our site;

• arising from the inability to access our site, any use of MyPensionCare devices or reliance on data transmitted using MyPensionCare devices, where such loss or damage is caused by an event beyond our reasonable control, including due to the nature of electronic data transmission over the Internet;

• in connection with voucher codes obtained by you through our site.

4. If we are found to be liable to you, our total liability (regardless of the number of complaints made) will be the total value of the Pension contributions you received in the preceding 12-month period from the date the complaint was made.

5. Except as expressly stated elsewhere in these Terms, all representations, warranties, conditions, and other terms, whether express or implied, are hereby excluded to the fullest extent permitted by law.

6. We do not guarantee that our site will be secure or free from bugs or viruses and will not be liable for any loss, damage or disruption that you may suffer by using material derived from MyPensionCare devices.

7. You are responsible for configuring your information technology, computer programs and platform to access our site. You must use your own virus protection software.

8. You must not misuse our site by knowingly introducing viruses, Trojan horses, worms, logic bombs or any other malicious or technologically harmful material. You must not attempt to gain unauthorised access to our site, the server on which our site is stored, or any server, computer or database connected to our site. You must not attack our site by means of a denial-of-service attack or a distributed denial of service attack. By breaching this provision, you would be committing a criminal offence under the Computer Misuse Act 1990. We will report any such breach to the relevant law enforcement authorities, and we will co-operate with those authorities by disclosing your identity to them. In the event of such a breach, your right to use our site will cease immediately.

9. Where our site contains links to other sites and resources provided by third parties, these links are provided for your information and convenience. These links should not be construed as an endorsement by us of those sites or the information you may obtain from them.

10. We have no control over the content of these sites or resources. By listing or linking to another site, we are not making any endorsement of or accepting any responsibility for the content. We do not guarantee that links will work all the time and we cannot control the availability of linked pages.

11. If you believe that a link is inappropriate or offensive, or that a link does not work, please inform us at the following address so that we can remove the link.

1. We do not provide investment advice of any kind. It is your responsibility to monitor your personal pension, to ensure that your pension is appropriate to your needs and that you have the knowledge and experience to understand the risks involved. Neither MyPensionCare, nor the transfer of the equivalent cash credit following the Conversion of your Pension contributions to our Appointed provider / your pension provider, constitutes an offer to sell or a solicitation by us of an offer to invest.

2. On occasion, we may provide links on our MyPensionCare devices to providers of regulated products. If you have any doubts or concerns about the suitability of the investments provided by these providers or the appropriateness of making Personal contributions to our pension plan opened with our Appointed provider , we strongly recommend that you seek advice from a qualified financial adviser. You have the right to cancel your membership at any time as described in clause 9, or not to make any transactions on MyPensionCare devices.

3. From time to time, retailers may increase or decrease the commission paid, in which case the pension contribution offer shown on our site may be incorrect. Although we make reasonable efforts to update the information on our site, we make no representations, warranties, or assurances, express or implied, that the content of our site is accurate, complete, or current.

4. MyPensionBenefits are based on the stock markets. As such, they are medium to long term investments and the capital value of the investment, and any income derived from it may go down as well as up and therefore we cannot guarantee what you may receive as MyPensionBenefits.

1. MyPensionCare is a trading name of PensionCare Ltd, registered in England and Wales (09151760), which is not authorised to give advice. The services provided by our Appointed partners are regulated by the FCA.

2. Any provision of these Rules declared invalid or unenforceable by any authority or court of competent jurisdiction shall, to the extent of such invalidity or unenforceability, be deemed severable and shall not affect the remaining provisions which shall remain unaffected.

3. These Rules shall be governed by and construed in accordance with the laws of England and Wales. Any disputes shall be subject to the exclusive jurisdiction of the courts of England and Wales.