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Terms and Conditions
1. Introduction
Welcome to the Pen-gage MemberZone. By accessing and using this service, you agree to comply with these Terms and Conditions. Please read them carefully.
2. Definitions
- Member: Any individual or entity that has an active membership with Pen-gage.
- Services: The tools and guidance provided within the membership area.
3. Membership Usage
Memberships are for the sole use of the registered member and must not be shared. You are responsible for maintaining the confidentiality of your account information.
4. Payment and Renewal
Membership fees are due as outlined at the time of purchase. Membership terms are for a minimum of 12 months. By signing up to MemberZone, you agree to retain the membership and pay the required fee for the minimum period. Memberships renew automatically unless cancelled prior to the renewal date. Cancellation policies are specified in the member dashboard.
Standard membership fees are £8.50 per month or £100 as an annual payment. Your specific fee and option are confirmed at registration. Please refer to our pricing page.
5. Services Provided
Our guidance tools offer general information and support. They are not a substitute for professional financial advice. You may benefit from tailored support to verify your specific circumstances. Pen-gage is not responsible for external websites or links.
6. Intellectual Property
All content, tools, and materials within the membership area are the intellectual property of Pen-gage. Members are granted a limited, non-exclusive license to use these resources for personal use only.
7. Data Protection and Privacy
We are committed to protecting your privacy. Personal data is collected and processed in accordance with our Privacy Policy and GDPR regulations. Members consent to data usage as outlined in our policy.
8. Member Conduct
Members must use the services responsibly and not engage in any activity that could harm Pen-gage or other members. Prohibited activities include, but are not limited to, sharing login details or MemberZone content with third parties.
9. Disclaimers and Liability
Pen-gage provides the membership services on an “as is” basis. We do not guarantee the accuracy of the information. Pen-gage is not liable for any losses or damages resulting from the use of our services. Scheme and tax rules will override any information contained within the MemberZone.
10. Support and Communication
For support, contact us via the support section in the member dashboard. We will communicate important updates and notices via email.
11. Amendments
Pen-gage reserves the right to amend these Terms and Conditions at any time. Members will be notified of any changes via email.
12. Governing Law
These Terms and Conditions are governed by and construed in accordance with the laws of England and Wales.
13. Acceptance
By using the Pengage MemberZone, you acknowledge and agree to these Terms and Conditions.
If you have any queries or concerns, please contact: MemberZone@pengage.co.uk
October 2024
Privacy and GDPR Notice
Pen-gage Ltd Customer Privacy Notice
This privacy notice tells you what to expect us to do with your personal information.
Contact Details
Email: hello@pengage.co.uk
What Information We Collect, Use, and Why
We collect or use the following information to provide and improve products and services for clients:
- Names and contact details
- Addresses
- Gender
- Occupation
- Date of birth
- Marital status
- Financial data (including income and expenditure)
- Employment details (including salary, sick pay, and length of service)
- Records of meetings and decisions
We also collect personal information for customer account operations, marketing purposes, and legal compliance.
Lawful Bases and Data Protection Rights
Under UK data protection law, we must have a “lawful basis” for collecting and using your personal information. You can find more information about lawful bases on the ICO’s website.
The following rights may apply depending on the lawful basis:
- Your right of access: You can request copies of your personal information. More details are available here.
- Your right to rectification: You can request corrections to your personal data. More details are available here.
- Your right to erasure: You can request deletion of your data. More details are available here.
- Your right to restrict processing: You can ask us to limit how we use your personal data. More details are available here.
- Your right to object to processing: You can object to data processing. More details are available here.
- Your right to data portability: You can request your data be transferred to another organisation. More details are available here.
If you make a request, we will respond within one month. To make a request, please contact us at hello@pengage.co.uk.
How Long We Keep Information
We will retain your personal information for up to 7 years after the last active piece of contracted work or correspondence, keeping only relevant data.
How to Complain
If you have concerns about our use of your data, you can complain to us via hello@pengage.co.uk. If you’re not satisfied with our response, you can complain to the ICO:
Address:
Information Commissioner’s Office
Wycliffe House, Water Lane, Wilmslow, Cheshire, SK9 5AF
Helpline: 0303 123 1113
ICO Website
Last Updated
12 September 2024
Pricing Policy
MemberZone Pricing Policy
Subscriptions are for 12 months and will automatically renew every 12 months unless cancelled.
Should you wish to cancel, you will need to do so before the subscription renews for a further 12 months. The price for the 12 months will be the pricing schedule applicable at the registration or renewal date. Prices will remain fixed for the 12-month subscription period.
Subscription Options
- Annual Subscription: One-off payment of £100.00 per year.
- Monthly Subscription: Regular payments of £8.50 per month for 12 months.
Should you choose to decline the renewal, your access and membership will terminate.
Prices are inclusive of VAT.
September 2024
Cancellation Policy
MemberZone Cancellation Policy
MemberZone subscriptions are in place for 12 months. By registering with MemberZone, you are agreeing (as per the terms and conditions) to a 12-month subscription, which is non-refundable.
The subscription is on an automatic renewal basis. You will need to cancel before your renewal date to prevent an automatic renewal. Cancelling before the 12-month period has ended will still require the full annual subscription cost to be paid.
This cancellation policy is in place to protect Pen-gage and the subscribers of MemberZone.
September 2024
If you have any queries or concerns, please contact: MemberZone@pengage.co.uk
Who is MemberZone for?
MemberZone is here to provide you with information and guidance about your NHS Pension. You can learn about the key elements of the NHS Pension Scheme so your decisions can be better informed. Please read the terms and conditions.
MemberZone does not provide financial advice or tailored information specific to your circumstances. We do not hold your pension data. We offer Individual and tailored support as a separate service. Please contact us if you would like to discuss this separately.
MemberZone may not be suitable for:
Practitioner members – the legacy scheme information currently available does NOT include the practitioner schemes.
Northern Ireland and Scottish (SPPA) NHS members – there are process differences, different forms and different factors and income tax rates between these schemes and England and Wales
Non NHS pension scheme members – this site is currently suitable for NHS members only
If you are not sure if MemberZone is suitable for you, please contact us before registering: MemberZone@pengage.co.uk
Once registered the subscription and any associated fees will be in place for 12 months