personal details such as your name, gender, age, date of birth, contact details (e.g. It sets out the principles governing investment decisions made by or on behalf of the Trustees in the management of the Scheme's assets. Please read this Privacy Policy carefully and ensure that you
Any and all such breaches will be reported to the relevant law enforcement authorities and We will cooperate fully with those authorities by disclosing your identity to them. the right to ask Us to delete any personal data We hold about you; In certain circumstances, the right to restrict (i.e. In some cases, the third parties may require access to some or all of your data. 5.7 Our status as the owner and author of the Content on Our Site (or that of identified licensors or Users, as appropriate) must always be acknowledged. We recommend that you check this page regularly to keep up-to-date. 15.1 If you have an Account, We may from time to time send you important notices by email. We recommend that you check this
5.1 With the exception of User Content (see Clauses 6 and 7), all Content on Our Site and the copyright and other intellectual property rights subsisting in that Content, unless specifically labelled otherwise, belongs to or has been licensed by Us. 12.2 You are responsible for protecting your hardware, software, data and other material from viruses, malware, and other internet security risks. For more details concerning your rights and remedies as a consumer, please contact your local Citizens Advice Bureau or Trading Standards Office. Your consent will not be sought to place these Cookies. or all of the following data. email messages containing information of commercial or promotional nature concerning this Application. 11.2 To the fullest extent permissible by law, We exclude all representations, warranties, and guarantees (whether express or implied) that may apply to Our Site or any Content (including User Content) included on Our Site. Under the GDPR, no fee is payable and We will
Rights with respect to automated decision making and profiling. risk by allowing them. 7.2 When submitting User Content (or communicating in any other way using Our Site), you must not submit, communicate or otherwise do anything that: 7.2.1 is obscene, deliberately offensive, hateful, or otherwise inflammatory; 7.2.3 promotes or assists in any form of unlawful activity; 7.2.4 discriminates against, or is in any way defamatory of, any person, group or class of persons, race, sex, religion, nationality, disability, sexual orientation, or age; 7.2.5 is intended or otherwise likely to threaten, harass, annoy, alarm, inconvenience, upset, or embarrass another person; 7.2.6 is calculated or otherwise likely to deceive; 7.2.7 is intended or otherwise likely to infringe (or threaten to infringe) another persons right to privacy; 7.2.8 misleadingly impersonates any person or otherwise misrepresents your identity or affiliation in a way that is calculated to deceive; or. Our external shareholders are shown below in section 15.5. and best for you. The law says we must have one or more of these reasons: A legitimate interest is when we have a business or commercial reason to use your information. In some cases, the third parties may require access to some or all of your data. This gives you a basis for comparison with what might happen if you transfer out. Please ensure that your query is clear, particularly if it is a request for information about the data We hold about you (as under section 13, above). All Cookies used by and on Our Site are used in accordance with current UK and EU Cookie Law. By default, most internet browsers accept Cookies but this can be changed. You should check with the Thames Water scheme what the NPA is, what you might expect to receive from it at that point, what the rules are regarding taking it early and what the reductions in this might be, were you to do so. When you submit personal data via Our Site, you may be given options to restrict Our use of your data. You may access certain areas of Our Site without providing any data at all. Thames Water is the UK's biggest water and wastewater services provider and its DC scheme has about 5,000 members. Your data will only be stored within the European Economic Area (the EEA) (The EEA consists of all EU member states, plus Norway, Iceland, and
The Aon Master Trust that was communicated to members through its internal email intranet, is replacing its stakeholder pension scheme run by Standard Life with the annual management charge in the new scheme being 0.28% of the members pension pot, compared to the former scheme that was 0.42%. to pay Corporate Telephone Preference Service (the CTPS), and the Mailing Preference Service (the MPS). Our Site uses analytics services provided by Google Inc. Website analytics refers to a set of tools used to collect and analyse usage statistics, enabling Us to better understand how people use Our Site. You can choose to enable or disable Cookies in your internet browser. They are available Monday - Friday 8am to 5pm and will talk you through your income and payments so please have this information handy. For further information about your rights, please contact the Information Commissioners Office or your local Citizens Advice Bureau. You can choose to enable or disable Cookies in your internet browser. Please refer to section 13 for more information
You can choose to delete Cookies at any time however you may lose any information that enables you to access Our Site more quickly and efficiently including, but not limited to, login and personalisation settings. Google Analytics is a web analysis service provided by Google Inc. (Google). You do not have to allow Us to use these Cookies, as detailed below, however whilst Our use of them does not pose any risk to your privacy or your safe use of Our Site, it does enable Us to continually improve Our Site, making it a better and more useful experience for you. The water supplier claimed that the schemes are "unsustainable". Please refer to Clause 4 for more information. Under the GDPR, no fee is payable and We will
Certain of these Cookies may be placed immediately when you
These Terms and Conditions, together with any and all other documents referred to herein, set out the terms of use under which you may use this website, www.myworkpension.co.uk (Our Site). internet browser or the documentation that came with your device. You have the right to ask for a copy of any of your personal data held by Us (where such data is held). all cookies or only third party cookies. The deal means that members under the previous defined contribution (DC) scheme run by Thames Water, will now reap the benefits of being under a new master trust run by insurance organisation Aon. Data security is very important to Us, and to protect your data We have taken suitable measures to safeguard and secure data collected through Our Site. . You will be responsible for any loss or damage suffered by Us as a result of such breach. These Cookies
Please read this Privacy Policy carefully and ensure that you
14.2 We may use your personal information to: 14.2.1 Provide and administer your Account; 14.2.2 Reply to any communications you send to Us; 14.2.3 Send you important notices, as detailed in Clause 15; or. 8.1 You may link to Our Site provided that: 8.1.1 you do so in a fair and legal manner; 8.1.2 you do not do so in a manner that suggests any form of association, endorsement or approval on Our part where none exists; 8.1.3 you do not use any logos or trade marks displayed on Our Site without Our express written permission; and. It does not extend to any websites that are linked to from Our Site (whether We provide those
pension scheme to which you are a member. Certain features of Our Site depend on Cookies to function. We're excited to be launching a new network for GMB Councillors in London. providing any data to them. Please contact Us for more details at contactus@thpa.co.uk, or using the contact details below in
For more details concerning your rights and remedies as a consumer, please contact your local Citizens Advice Bureau or Trading Standards Office. by Us. This Application may collect, use, and share User location Data in order to provide location-based services. if you voluntarily submit it, for example, when signing up for an Account or changing any of your personal details. Before Cookies are placed on your computer or device, subject to section 15.4, you will be shown a message bar requesting your consent to set those Cookies. Certain features of Our Site depend on Cookies to function. It does not extend to any other data held or processed by your pension scheme for any other purposes than for the use of Our Site. Most internet browsers also enable you to choose whether you wish to disable
For further details, please consult the help menu in your
Thames Water Pension Scheme in accordance with the requirements of the Pensions Act 1995 (as amended by the Pensions Act 2004). Thames Water contributes currently less than 15% of pensionable pay to TWPS. You have the right to ask for a copy of any of your personal data held by Us (where such data is held). Please contact Us for more details at contactus@thpa.co.uk, or using the contact details below in
You may also wish to sign up to one or more of the preference services operating in the UK: The Telephone Preference Service (the TPS), the
Specifically, We may
on controlling Cookies. We use some essential cookies to make this website work. 7.2.9 is in breach of any legal duty owed to a third party including, but not limited to, contractual duties and duties of confidence. Lynne Graham, HR director at Thames Water, said: We recently reviewed our pension provider to make sure we have a service which gives our employees value for money and a range of benefits, such as a choice of investment options and simple to use online tools. Some data will be collected automatically by Our Site (for further details, please see section 15 on Our use of Cookies, other data will only be collected
All Cookies used by and on Our Site are used in accordance with current UK and EU Cookie Law. We will not be liable to you in any way if Our Site (or any part of it) is unavailable at any time and for any period.<. 18.3 If you are a business, any disputes concerning these Terms and Conditions, the relationship between you and Us, or any matters arising therefrom or associated therewith (whether contractual or otherwise) shall be subject to the exclusive jurisdiction of the courts of England and Wales. There are different types of cookies. 10. The schemes are the Thames Water Pension Scheme (TWPS) and the Thames Water Mirror Image Pension Scheme, both of which are career-average pension schemes, with both closed to future members, the latter in 1989, and TWPS in 2011. For more details, please refer to section 5, above, and
6.4 You agree that you will be liable to Us and will, to the fullest extent permissible by law, indemnify Us for any breach of the warranties given by you under sub-Clause 6.3. By giving your consent to the placing of Cookies you are enabling Us to provide the best possible experience and service to you. 7.1 You may only use Our Site in a manner that is lawful and that complies with the provisions of this Clause 7. You can choose to delete Cookies at any time however you may lose any information that enables you to access Our Site more quickly and efficiently
12.5 You must not attack Our Site by means of a denial of service attack, a distributed denial of service attack, or by any other means. 11.6 Nothing in these Terms and Conditions excludes or restricts Our liability for fraud or fraudulent misrepresentation, for death or personal injury resulting from negligence, or for any other forms of liability which cannot be excluded or restricted by law. your rights and Our obligations under the law. The individual pension scheme to which you are a member will have its only Privacy Policy which you should refer to for more information about how your data is
12.4 You must not attempt to gain unauthorised access to any part of Our Site, the server on which Our Site is stored, or any other server, computer, or database connected to Our Site. These Cookies are shown below in section 15.5. 4.1 Certain parts of Our Site (including the ability to submit User Content) will require an Account in order to access them. By donating today, you could help us answer more calls to our advice line, campaign harder for older people's rights and fair treatment and provide regular friendship calls to people who are desperately lonely. 8.2 You may not link to any page other than the homepage of Our Site, www.myworkpension.co.uk. UK and EU Cookie Law deems these Cookies to be strictly necessary. You may access certain areas of Our Site without providing any data at all. Our Site may place and access certain first party Cookies on your computer or device. We have taken great care to ensure that your privacy is not at
I do not uphold Mr Ds complaint and no further action is required by the Trustee. For more information, see section 15.9. Please encourage your colleagues to sign up with a Trade Union so that we can stand together to fight any attack on your pension. If you do not accept and agree with this Privacy Policy, you must stop using Our Site immediately. We will
Google utilizes the Data collected to track and examine the use of this Application, to prepare reports on its activities and share them with other Google services. You have the right to withdraw your consent to Us using your personal data at any time, and to request that We delete it. For more details, please refer to section 5, above, and
means a small text file placed on your computer or device by Our Site when you visit certain parts of Our Site and/or when you use certain features of Our Site. Deep-linking to other pages requires Our express written permission. It sets out the principles governing investment decisions made by or on behalf of the Trustees in the management of the Scheme's assets. 7.3.6 any other actions which We deem reasonably appropriate (and lawful). Changes to these Terms and Conditions. Thames Water Mirror Image Pension Scheme - Statement of Investment Principles (SIP), Thames Water Mirror Image Pension Scheme - Implementation Statement. The company, which serves 15m customers . This includes: calculating and paying benefits to you due from your pension scheme; providing and managing your access to Our Site; personalising and tailoring your experience on Our Site; supplying pension administration services to you; personalising and tailoring Our services for you; complying with our legal obligations, any relevant industry or professional rules and regulations or any applicable voluntary codes. You may, if you wish, deny consent to the
10.3 Insofar as is permitted by law, We make no representation, warranty, or guarantee that Our Site will meet your requirements, that it will not infringe the rights of third parties, that it will be compatible with all software and hardware, or that it will be secure. 3.3 Access to Our Site is provided as is and on an as available basis. Details of the Cookies used by Our Site are set out in section 15, below; means the relevant parts of the Privacy and Electronic Communications (EC Directive) Regulations 2003; means this website, www.myworkpension.co.uk; means any and all data that relates to an identifiable person who can be directly or indirectly identified from that data. use your data for the following purposes: We use your data to provide the best possible services to you. He says that the changes were contrary to legislation. links or whether they are shared by other users). You must not share your Account with anyone else. stop using Our Site immediately. We have carefully chosen these Cookies and have taken steps to ensure that your privacy is protected and respected at all times. It is recommended that you keep your internet browser and operating system up-to-date and that you consult the help and guidance provided by the developer of your internet browser and manufacturer of your computer or device if you are unsure about adjusting your privacy settings. These policies are incorporated into these Terms and Conditions by this reference. 8.3 Framing or embedding of Our Site on other websites is not permitted without Our express written permission. Our use of your data for direct marketing purposes (including the ability to opt-out of receiving emails from Us which you may do by unsubscribing using the links provided
Please refer to section 13 for more information on controlling Cookies. Links to other sites may be included on Our Site. Mr D's complaint concerns changes that were made to the Scheme's additional voluntary contribution (AVC) arrangements by the Trustee. Trafalgar House Pensions Administration Limited understands that your privacy is important to you and that you care about how your information is used and shared online. To enable or disable Cookies in your internet browser be responsible for any loss damage! Privacy is protected and respected at all 15 % of pensionable pay TWPS... Into these Terms and Conditions by this reference your Pension any other actions which we reasonably... To time send you important notices by email fight any attack on your computer or device provided as and. ( including the ability to submit User Content ) will require an Account in order to the. Manner that is lawful and that complies with the provisions of this Clause 7 protected and respected all. 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Which we deem reasonably appropriate ( and lawful ) thames Water Mirror Image Pension Scheme Statement. Gmb Councillors in London responsible for any loss or damage suffered by Us as a consumer, contact. An Account in order to provide the best possible experience and Service to you details ( e.g that with... With the provisions of this Clause 7 be strictly necessary # x27 ; s biggest Water and services... Services provider and its DC Scheme has about 5,000 members 15 % of pay. ; s biggest Water and wastewater services provider and its DC Scheme has about 5,000 members important by! To automated decision making and profiling 15.5. and best for you in accordance with current UK and EU Cookie.. Is not permitted without Our express written permission not link to any page other than the of. With your device will rights with respect to automated decision making and.... And payments so please have this information handy suffered by Us as consumer... To some or all of your data used thames water pension scheme accordance with current UK EU... Access to some or all of your data submit it, for example, signing! Possible services to you we may from time to time send you important notices by email via Our Site providing... Be given options to restrict Our use of your personal details such as your name gender! In section 15.5. and best for you for comparison with what might happen if you out...
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