12.2 You are responsible for protecting your hardware, software, data and other material from viruses, malware, and other internet security risks. 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. We do not require any further consent Trafalgar House Pensions Administration Ltd. text message and post with information and news on services. This Application may track Users by storing a unique identifier of their device, for analytics purposes or for storing Users' preferences. Steps We take to secure and protect your data include: access to data being restricted to authorised personnel; and. Cookies are files containing small amounts of information which are downloaded to the device you use when you visit a website. 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. GMB has one job and that is to improve the pay and conditions of GMB members in their workplaces. For more details concerning your rights and remedies as a consumer, please contact your local Citizens Advice Bureau or Trading Standards Office. Certain features of Our Site depend on Cookies to function. 10. We are seeking a new defined contribution (DC) Master Trust pension scheme, which: meets the standards of the Pensions Regulator's Master Trust assurance framework and is seeking or has achieved Master Trust authorisation. GMB is one of Britains largest and fastest growing trade unions. Thames Water . You may remove these Cookies and prevent future use of them by following the steps set If you have any questions about Our Site or this Privacy Policy, please contact Us by email at contactus@thpa.co.uk, by telephone on 020 3440 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. signing up to this Application or after making a purchase. Complaint summary. You must not share your Account with anyone else. tracing or identity verification service providers. Please note that We do not control the activities of such third parties, nor the data they collect and use and advise you to check the privacy policies of any such third parties. This, in turn, enables Us to improve Our Site and the services offered through it. In this Policy the following terms shall have the following meanings: means an account required to access and/or use certain areas and features of Our Site; 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 Specifically, We may take one or more of the following actions: 7.3.1 suspend, whether temporarily or permanently, your Account and/or your right to access Our Site; 7.3.3 take legal proceedings against you for reimbursement of any and all relevant costs on an indemnity basis resulting from your breach; 7.3.4 take further legal action against you as appropriate; 7.3.5 disclose such information to law enforcement authorities as required or as We deem reasonably necessary; and/or. He says that the compromise agreement was contrary to section 91 (1) of the Pensions Act 1995. or all of the following data. 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. Thames Water Mirror Image Pension Scheme - Statement of Investment Principles (SIP), Thames Water Mirror Image Pension Scheme - Implementation Statement. You have accepted cookies You can change your cookie settings at any time. by Us. such a purpose, We will take all reasonable steps to ensure that your data will be handled safely, securely, and in accordance with your rights, Our obligations, and the 15.2 We will never send you marketing emails of any kind. Pensions administration. How to spot the signs. 7.4 We hereby exclude any and all liability arising out of any actions (including, but not limited to those set out above) that We may take in response to breaches of these Terms and Conditions. We will hold your personal information on our systems for as long as is necessary for Us to provide benefits to you or your dependants on behalf of the pension scheme to which you are a member. For further information about your rights, please contact the Information Commissioners Office or your local Citizens Advice Bureau. But even then, it must not unfairly go against what is right 18.2 If you are a pension scheme member, 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 jurisdiction of the courts of England, Wales, Scotland, or Northern Ireland, as determined by your residency. By default, most internet browsers accept Cookies but this can be changed. to section 15.5 below. We use some essential cookies to make this website work. from you in order to share your data in such circumstances and will comply as required with any legally binding request that is made of Us. These may include payment processing, search engine facilities, address tracing or identity verification service providers. We respect and value the privacy of everyone who visits Our Site and will only collect and use information in ways that are useful to you and in a manner consistent with your rights and Our obligations under the law. Specifically, you agree, represent and warrant that you have the right to submit the User Content and that all such User Content will comply with Our Acceptable Usage Policy, detailed below in Clause 8. 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. Cookies do lots of different and useful jobs, such as remembering preferences, and generally improving your online experience. These Cookies 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. We use Cookies to facilitate and improve your experience of Our Site and to provide and improve Our services. 7.3.6 any other actions which We deem reasonably appropriate (and lawful). page regularly to keep up-to-date. Most internet browsers also enable you to choose whether you wish to disable This Privacy Policy applies only to your use of Our Site. To discuss your options, get more information, or ask us to send you a form, please call our Extra Care Services team on 0800 009 3652 from 8am to 5pm, Monday to Friday. We may sometimes contract with third parties to supply services to you on Our behalf. 11101662, whose registered address is Trafalgar House, Ascent 4, 2 Gladiator Way, Farnborough Aerospace Centre, Farnborough, Hampshire, GU14 6XN. 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 required to submit or allow for the collection of certain data. Protection Regulation (GDPR); means the relevant parts of the Privacy and Electronic Communications (EC Directive) Regulations 2003 as amended in 2004, 2011 and 2015; and. If you believe your Account is being used without your permission, please contact Us immediately at contactus@thpa.co.uk. 2.1 Our Site, www.myworkpension.co.uk, is owned and operated by Trafalgar House Pensions Administration Limited, a limited company registered in England under 11101662, whose registered address is Trafalgar House, Ascent 4, 2 Gladiator Way, Farnborough Aerospace Centre, Farnborough, Hampshire GU14 6XN. Data provided by users will, where it is relevant to any part of Our business so transferred, be transferred along with that part and the new owner or newly controlling party will, under the terms of this Privacy Policy, be permitted to use the data for the purposes for which it was originally collected by Us. involved in legal proceedings, where We are complying with the requirements of legislation, a court order, or a governmental authority. Details of the Cookies used by Our Site are set out in section 15, below; means any and all data that relates to an identifiable person who can be directly or indirectly identified from that data. 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. The inclusion of a link to another site on Our Site is for information only and does not imply any endorsement of the sites themselves or of those in control of them. In some cases, the third parties may require access to some or all of your data. It does not extend to any websites that are linked to from Our Site (whether We provide those links or whether they are shared by other users). By giving your consent to the placing of Cookies you are enabling Us to provide the best possible experience and service to you. Please read these Terms and Conditions carefully and ensure that you understand them. 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 of these Cookies may be placed immediately when you Thames Water Utilities Limited Articles of Association can be found on Companies House. if you voluntarily submit it, for example, when signing up for an Account or changing any of your personal details. We have taken great care to ensure that your privacy is not at risk by allowing them. However, to use all features and functions available on Our Site you will be required to submit or allow for the collection of certain data. If We are unable to help, you also have the right to lodge a complaint with the UKs supervisory authority, the Information Commissioners Office. The analytics service(s) used by Our Site use(s) Cookies to gather the required information. You will be responsible for any loss or damage suffered by Us as a result of such breach. This Application may track Users by storing a unique identifier of their device, for analytics purposes or for storing Users' preferences. 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. Certain features of Our Site depend on Cookies to function. 3.2 It is your responsibility to make any and all arrangements necessary in order to access Our Site. UK and EU Cookie Law deems these Cookies to be strictly necessary. We may change this Privacy Policy as we may deem necessary from time to time, or as may be required by law. 14.1 All personal information that We may collect (including, but not limited to, your name and contact details) will be collected, used and held in accordance with the provisions of the Data Protection Act 1998 and your rights and Our obligations under that Act. Your email address might also be added to this list as a result of signing up to this Application or after making a purchase. If you have any questions about Our Site or this Privacy Policy, please contact Us by email at contactus@thpa.co.uk, by telephone on 020 3440 8390, or by post at Trafalgar House Pensions Administration Limited, Trafalgar House, PO Box 119, Blyth NE24 9EN. By registering on the mailing list or for the newsletter, the Users email address will be added to the contact list of those who may receive 10.2 Professional or specialist advice should always be sought before taking any action relating to pension or investment matters. The inclusion of a link to another site on Our Site is for information only and does not imply any endorsement of the sites themselves or of those in control of them. As a data subject, you have the following rights under the GDPR, which this Policy and Our use of personal data have been designed to uphold: The right to be informed about Our collection and use of personal data; The right of access to the personal data We hold about you; The right to rectification if any personal data We hold about you is inaccurate or incomplete (please contact Us using the details in section 16); In certain circumstances, the right to be forgotten i.e. 7.1.4 you must not use Our Site in any way, or for any purpose, that is intended to harm any person or persons in any way. For more details, please refer to section 5, above, and You may still block these cookies by changing your internet browsers settings as detailed below in section 15.9, but please be aware that Our Site may not work as intended if you do so. You are therefore advised to check this page from time to time. Our Site uses analytics services provided by Google Inc. Website analytics refers to a set of tools used to collect and analyse usage statistics, Where any of your data is required for your address and postcode, email, telephone and mobile numbers), and identifiers such as your National Insurance number, pension or member reference number and employee number (where applicable); employment details such as your earnings, length of service, employment and career history, recruitment and termination details, absence record, job title and job responsibilities; All personal data is processed and stored securely, for no longer than is necessary in light of the reason(s) for which it was first collected. Data We have carefully chosen these Cookies and have taken steps to ensure that your privacy is protected and respected at all times. 7.1 You may only use Our Site in a manner that is lawful and that complies with the provisions of this Clause 7. We respect and value the privacy of everyone who visits Our Site and will only collect and use information in ways that are useful to you and in a manner consistent with Your agreement to comply with and be bound by these Terms and Conditions is deemed to occur upon your first use of Our Site. Our Site, www.myworkpension.co.uk, is owned and operated by Trafalgar House Pensions Administration Limited, a limited company registered in England under 11101662, whose registered address is Trafalgar House, Ascent 4, 2 Gladiator Way, Farnborough Aerospace Centre, Farnborough, Hampshire GU14 6XN. All Content (including User Content) is protected by applicable United Kingdom and international intellectual property laws and treaties. Cookies are files containing small amounts of information which are downloaded to the device you use when you visit a website. All Cookies used by and on Our Site are used in accordance with current UK and EU Cookie Law. Rights with respect to automated decision making and profiling. 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. Your right to use Our Site will cease immediately in the event of such a breach. If you require pension illustrations or quotations for financial advice or decision-making purposes, you must contact us directly to request guaranteed documentation and you should not rely on the information published on Our Site for this purpose. All Cookies used by and on Our Site are used in accordance with current UK and EU Cookie Law. You can choose to enable or disable Cookies in your internet browser. section 16. You may still block these cookies by changing your internet browsers settings UK and EU Cookie Law deems these Cookies to be strictly necessary. Certain features of Our Site depend on Cookies to function. In particular, We aim to give you strong controls on If We are unable to help, you also have the right to lodge a complaint with the UKs supervisory authority, the Information Commissioners Office. 8.4.12 is made in breach of any legal duty owed to a third party including, but not limited to, contractual duties and duties of confidence. First party Cookies are those placed directly by Us and are used only by Us. prevent) the processing of your personal data; The right to data portability (obtaining a copy of your personal data to re-use with another service or organisation); The right to object to Us using your personal data for particular purposes; and. first visit Our Site and it may not be possible for Us to obtain your prior consent. We use Cookies to facilitate and improve your experience of Our Site and to provide and improve Our services. Thames Water is the UK's biggest water and wastewater services provider and its DC scheme has about 5,000 members. In particular, We aim to give you strong controls on Your email address might also be added to this list as a result of Where any of your data is required for such a purpose, We will take all reasonable steps to ensure that your data will be handled safely, securely, and in accordance with your rights, Our obligations, and the obligations of the third party under the law. E14 4PU, The Thames Water Pension Scheme (CAS-41042-H8M7), about whether you thought this page was helpful, Royal London Personal Pension Plan (CAS-55550-R6C4). 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. 5.5 You may not systematically copy Content from Our Site with a view to creating or compiling any form of comprehensive collection, compilation, directory, or database unless given Our express permission to do so. If you join our team, you'll enjoy a fulfilling career, flexible working arrangements a wider benefits . Such notices may relate to matters including, but not limited to, service changes, changes to these Terms and Conditions, and changes to your Account. Your privacy is protected by law. Any such changes will become binding on you upon your first use of Our Site after the changes have been implemented. This Privacy Policy applies only to your use of Our Site. 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. First party Cookies are those placed directly by Us and are used only by Us. We will not be liable for any unauthorised use of your Account. The analytics service(s) used by this Website use(s) the following Cookies. We do not, however, make any representations, warranties or guarantees (whether express or implied) that such Content is complete, accurate, or up-to-date. Mr D has also raised concerns in relation to his funds in the Scheme's AVC arrangements. 10.1 Nothing on Our Site constitutes advice on which you should rely. Corporate Telephone Preference Service (the CTPS), and the Mailing Preference Service (the MPS). on controlling Cookies. We're excited to be launching a new network for GMB Councillors in London. 15.3 For questions or complaints about communications from Us, please contact Us at contactus@thpa.co.uk. such a purpose, We will take all reasonable steps to ensure that your data will be handled safely, securely, and in accordance with your rights, Our obligations, and the Please contact Us for more details at contactus@thpa.co.uk, or using the contact details below in section 16. 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 We may alter, suspend or discontinue Our Site (or any part of it) at any time and without notice. The acquisition of the 13pc stake will give BTPS's representatives at Hermes GPE a seat on the board of Thames Water. 4.1 Certain parts of Our Site (including the ability to submit User Content) will require an Account in order to access them. We have no control over how your data is collected, stored or used by other websites and We advise you to check the privacy policies of any such websites before providing any data to them. Mr Ds complaint concerns changes that were made to the Schemes additional voluntary contribution (AVC) arrangements by the Trustee. 3.3 Access to Our Site is provided as is and on an as available basis. Your acceptance of Our Privacy Policy is deemed to occur upon your first use of Our Site. 12.3 You must not deliberately introduce viruses or other malware, or any other material which is malicious or technologically harmful either to or via Our Site. It does not extend to any websites that are linked to from Our Site (whether We provide those We may change this Privacy Policy as we may deem necessary from time to time, or as may be required by law. 16. You are therefore advised to check this page from time to time. 11101662, whose registered address is Trafalgar House, Ascent 4, 2 Gladiator Way, Farnborough Aerospace Centre, Farnborough, Hampshire, GU14 6XN. including, but not limited to, login and personalisation settings. We're open 8am to 7pm, every day of the year. You may access certain areas of Our Site without providing any data at all. Water Direct has been designed with the Department for Work and Pensions (DWP). internet browser or the documentation that came with your device. Thames Water Mirror Image Pension Scheme Thames Water Mirror Image Pension Scheme - Statement of Investment Principles (SIP) Statement of Investment Principles Thames Water Mirror Image Pension Scheme - Implementation Statement Implementation Statement This includes Our holding company and its subsidiaries. Closing your Account will not result in the removal of your information. Where any of your data is required for such a purpose, We will take all reasonable steps to ensure that your data will be handled safely, securely, and in accordance with your rights, Our obligations, and the obligations of the third party under the law. 5.2 Subject to the licence granted to Us under sub-Clause 6.5, Users retain the ownership of copyright and other intellectual property rights subsisting in User Content submitted by them (unless any part of such User Content is owned by a third party who has given their express permission for their material to be used in the User Content). However, to use all features and functions available on Our Site you will be Specifically: 7.1.1 you must ensure that you comply fully with any and all applicable local, national, and international laws and/or regulations; 7.1.2 you must not use Our Site in any way, or for any purpose, that is unlawful or fraudulent; 7.1.3 you must not use Our Site to knowingly send, upload, or in any other way transmit data that contains any form of virus or other malware, or any other code designed to adversely affect computer hardware, software, or data of any kind; and. 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. 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 You can call our extra care team on 0800 009 3652 if you are struggling to pay your water bill and would like to talk through your options. 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. Please refer to Clause 4 for more information. Following the move, members will have access to a reduced administration charge and enhanced investment offering, easy access to a full range of flexible retirement options, online tools to help members plan their savings and retirement funds, as well as an integrating support system, helping members to plan their retirement futures. means Trafalgar House Pensions Administration Limited, a limited company registered in England under 11101662, whose registered address is Trafalgar House, Ascent 4, 2 Gladiator Way, Farnborough Aerospace Centre, Farnborough, Hampshire, GU14 6XN and whose main trading address is Trafalgar House, Ascent 4, 2 Gladiator Way, Farnborough Aerospace Centre, Farnborough, Hampshire, GU14 6XN. pension scheme to which you are a member. 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. it is a request for information about the data We hold about you (as under section 13, above). 11.3 Our Site is intended for non-commercial use only. 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. understand it. When you submit personal data via Our Site, you may be given options to restrict Our use of your data. email messages containing information of commercial or promotional nature concerning this Application. 5.2 Subject to the licence granted to Us under sub-Clause 6.5, Users retain the ownership of copyright and other intellectual property rights subsisting in User Content submitted by them (unless any part of such User Content is owned by a third party who has given their express permission for their material to be used in the User Content). Customers whose household income is less than 17,005 (21,749 in London) excluding disability benefits. How to spot the signs. 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. The operation of Our site does not require For more information, see section 15.9. Please read these Terms and Conditions carefully and ensure that you understand them. 8.4.12 is made in breach of any legal duty owed to a third party including, but not limited to, contractual duties and duties of confidence. 10.4 If, as a result of Our failure to exercise reasonable care and skill, any digital content from Our Site created by Us (that is not User Content) damages your device or other digital content belonging to you, you may be entitled to certain legal remedies. understand it. These may help to prevent you receiving unsolicited marketing. Our use of your personal data will always have a lawful basis, either because it is necessary for Our performance of a contract with the trustees of the 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. It sets out the principles governing investment decisions made by or on behalf of the Trustees in the management of the Scheme's assets. There are different types of cookies. the unsubscribe links provided or by emailing us at contactus@thpa.co.uk; analysing your use of Our Site and gathering feedback to enable Us to continually improve Our Site and your user experience; With your permission and/or where permitted by law, We may also use your data for marketing purposes which may include contacting you by email, telephone, Mr D's complaint concerns changes that were made to the Scheme's additional voluntary contribution (AVC) arrangements by the Trustee. Changes to these Terms and Conditions. comply with Our obligations and safeguard your rights under the GDPR at all times. 8.1.4 you do not do so in a way that is calculated to damage Our reputation or to take unfair advantage of it. Most internet browsers also enable you to choose whether you wish to disable We recommend that you check this On the go: The 1.7bn Thames Water Pension Scheme and the 770.9m Thames Water Mirror Image Pension Scheme have appointed Redington as their new investment adviser. Specifically, We may take one or more of the following actions: 7.3.1 suspend, whether temporarily or permanently, your Account and/or your right to access Our Site; 7.3.3 take legal proceedings against you for reimbursement of any and all relevant costs on an indemnity basis resulting from your breach; 7.3.4 take further legal action against you as appropriate; 7.3.5 disclose such information to law enforcement authorities as required or as We deem reasonably necessary; and/or. Will cease immediately in the removal of your personal details we have carefully chosen these may... Any loss or damage suffered by Us as a consumer, please contact the information Office... 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Any other actions which thames water pension scheme deem reasonably appropriate ( and lawful ) or to unfair...