Terms & Conditions


This website is operated by Verity Trustees Limited, the Trustee of The Pensions Trust and The Pensions Trust 2016 (the “Scheme”) (“we”, “us”, “Our”, “TPT Retirement Solutions” or “TPT”).

TPT Retirement Solutions is registered in England and Wales under company number 00744017 and our registered office is at Verity House, 6 Canal Wharf, Leeds, LS11 5BQ.

These Terms & Conditions ("Terms of Use") tell you the terms of use on which you may make use of our website: members.tpt.org.uk (“the website”).

Please read these Terms of Use carefully before you start using the website.

By accessing the website you will be deemed to have accepted, and be bound by, these Terms of Use. If you do not agree to these Terms of Use, you must not use the website.

These Terms of Use refer to the following additional terms, which also apply to your use of our site:

  • Our Privacy Policy, See further under 'Use of Personal Information'.
  • Our Cookie Policy, which sets out information about the cookies on our site.

We may update and change our site from time to time to reflect changes to our products, our users' needs and our business priorities. We will try to give you reasonable notice of any major changes.

The website is directed at UK residents only.


We are the owner of all copyright, design, graphical and content elements, database rights and other intellectual property rights in respect of the website unless otherwise stated.

All images, logos, names and trademarks on the website are proprietary marks of Verity Trustees Limited T/A TPT Retirement Solutions and third parties as noted on the website. Unless otherwise agreed in writing nothing on the website can be used by any other person or company save as set out below and any such use may constitute an infringement of the rights of the holder.

You may print off one copy, and may download extracts, of any page(s) from the website for your personal use.

You must not modify the paper or digital copies of any materials you have printed off or downloaded in any way, and you must not use any illustrations, photographs, video or audio sequences or any graphics separately from any accompanying text.

Our status (and that of any identified contributors) as the authors of content on the website must always be acknowledged.

You must not use any part of the content on the website for commercial purposes without obtaining a licence to do so from us or our licensors.

If you print off, copy or download any part of the website in breach of these terms of use, your right to use the website will cease immediately and you must, at our option, return or destroy any copies of the materials you have made.


We have taken all reasonable steps to ensure the accuracy and completeness of the content of the website and we do our best to correct errors and omissions as soon as we can.

The information contained on this website is based on legislation and tax regulations in force at the time of publication and all benefits are subject to the Lifetime Allowance and Annual Allowance set by HM Revenue & Customs (HMRC). The information does not represent a promise or guarantee of the amount of benefit you might receive at retirement.

If there is any conflict between the interpretation given on this website and the formal Trust Deed and Rules or the Scheme Document, the legal interpretation of the formal documents will prevail. Copies of the Trust Deed and Rules and Scheme Document are available from TPT.

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

Please note that we only provide the website for domestic and private use. You agree not to use the website for any commercial or business purposes, and we have no liability to you for any loss of profit, loss of business, business interruption, or loss of business opportunity.

If defective digital content that we have supplied, damages a device or digital content belonging to you and this is caused by our failure to use reasonable care and skill, we will either repair the damage or pay you compensation. However, we will not be liable for damage that you could have avoided by following our advice to apply an update offered to you free of charge or for damage that was caused by you failing to correctly follow installation instructions or to have in place the minimum system requirements advised by us.

Financial Advice

None of the content on this website can be construed to be financial advice. TPT is not registered under the Financial Services and Markets Act 2000 to give financial advice. Any information that is provided to members or prospective members should therefore be taken to constitute information and not advice.

When providing information to members or prospective members, TPT takes care to provide an accurate service but the decision and choice remains the individual's for which TPT cannot be responsible.

To receive free, impartial guidance from the government, visit Pension Wise.

Definition of ‘The Trustee’

TPT is governed by a Trustee Company called 'Verity Trustees Limited' (the Trustee). There are currently nine Directors of the Trustee - four elected by members, four elected by employers and a professional chair who is co-opted by the elected Directors.

TPT is directly answerable to its members - the employers who choose its pension schemes and the active members, pensioners and deferred members who belong to these schemes. TPT is not an insurance company.

Availability of the Website

Whilst we have taken care in the provision of this site, certain technical matters may be beyond our control and we cannot guarantee that you will have uninterrupted or error free access to the site at all times. Access may be suspended occasionally or restricted to allow for repair or maintenance or for the introduction of new services. 

Virus protection

We make every effort to check and test the website for viruses at every stage of production. You must make sure that the way you use the website does not expose you to the risk of viruses, malicious computer code or other forms of interference which can damage your computer system.

Viruses, hacking and other offences

We do not guarantee that the website will be secure or free from bugs or viruses.

You are responsible for configuring your information technology, computer programmes and platform to access the website. You should use your own virus protection software.

When using the website, you must not introduce viruses, trojans, worms, logic bombs or any other material that’s malicious or technologically harmful.

You must not try to gain unauthorised access to the website, the server on which it’s stored or any server, computer or database connected to it.

You must not attack the website in any way. This includes denial-of-service attacks.

We’ll report any attacks or attempts to gain unauthorised access to the website to the relevant law enforcement authorities and share information about you with them.

Use of Personal Information

These Terms of Use should be read in conjunction with the Privacy Policy & Cookies Policy for the website, which tells you how we collect and use information you provide to us.

If you do not agree to the terms of the Privacy Policy & Cookies Policy, please do not use the website.

We do not collect any personal information from people using the 'public' areas of the site. We only collect personal information that you volunteer when you complete any of the enquiry or online forms and when you use your online accounts

The information that we collect via this site may include:

  1. Any personal details that you type in and submit to us.
  2. Data that allows us to remember you and how you use this website,
  3. Your IP address (This is your computer's individual identification number for internet connection) that is automatically logged by our web server.
  4. Numbers of visitors to the website and about the places in the UK that visitors access us from.

We need to collect and use personal information in order to provide you with the service you expect from us. All personal data will be used by TPT and where relevant shared with suppliers who act on behalf of TPT for the purposes of providing that service.

We will not divulge any information to any company outside of TPT or to companies who are not designated suppliers to TPT without your consent, except to help prevent fraud or if required to do so by law.

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 TPT's website. We do not endorse or take responsibility for the content on 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 are accessing linked websites at your own risk.

You may not create a hyperlink to the website without our prior written consent.

Site Access and Password Usage

To obtain access to certain online services such as Retirement Savings Account you are given the opportunity to register with us via your employer. 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 activities that occur under your account and you should take all steps to ensure your password is kept confidential. You agree to inform us immediately if you suspect your password is being used in an unauthorised manner.

We have the right to disable any user identification code or password, whether chosen by you or allocated by us, at any time, if in our reasonable opinion you have failed to comply with any of the provisions of these Terms of Use.

Changes to these Terms & Conditions

Please check these terms and conditions regularly. We can update them at any time without notice. You’ll agree to any changes if you continue to use the website after the terms and conditions have been updated.