Terms & conditions for Registration and Use
Before accessing the site(s) and the service, you must first accept these terms.
Before accepting these terms, you should read them carefully. If you do not understand any point or if you have any questions, you should contact us (see section 17 for how to contact us).
By clicking your acceptance where indicated below, you are confirming that:
- you have been nominated to act as a user by a participating employer or trustees that have a group pension scheme with us, and you are authorised by the employer or trustees to view and/or store information about that group pension scheme;
- you accept and agree to be bound by these terms.
The relationship between you and us regarding your use of the site(s) and the services will be governed by:
- the terms contained in this document; and
- any information (including, but not limited to, warnings and disclaimers) displayed on the site(s).
The group pension scheme will continue to be governed by the scheme rules and corresponding terms and conditions.
You should save or print a copy of these terms and keep this for future reference purposes.
1.Definitions used in these terms
1.1 Words which are in bold type in these terms have a specific meaning, as set out in this section:
cookie means a piece of information that is saved to the hard drive of your computer and retains information about the configuration of your computer.
Data Protection Register means the Information Commissioner's public data protection register which can be accessed on the Information Commissioner's website at www.ico.gov.uk.
denial-of-service attack means an attempt to make a computer resource unavailable to its intended users.
employer means the sponsoring employer of the group pension scheme in respect of which you have been nominated as a user.
group pension scheme means the pension scheme in respect of which you have been nominated as a user.
information means any and all information contained on the site(s) being registered for or provided as part of the services.
password means the password personally chosen by you (and any subsequent password you choose) that, together with the user id, enables individual access to the site(s) and the services.
product(s) means any product or products offered by a Standard Life Affiliate, which you can access via the site(s).
product terms means the full terms and conditions and/or policy provisions that apply to each product and any related documentation made available to the employer or trustees.
registration form means the registration form completed by you as part of the registration process to enable you to use the site(s) and the services.
services means the provision of on-line services made available by us through the site(s).
site(s) means Standard Life's Client Analytics extranet site, and such other secure services and/or extranets that we may notify you of from time to time.
Standard Life means Standard Life Assurance Limited, registered in Scotland (SC286833) at Standard Life House, 30 Lothian Road, Edinburgh EH1 2DH and which is a subsidiary of Phoenix Group Holdings plc, registered in England (11606773) at Juxon House, 100 St Paul's Churchyard, London, EC4M 8BU
Standard Life Affiliate(s) means Standard Life and any other entity that directly or indirectly controls or is controlled by or is under common control with Standard Life.
terms means the terms and conditions contained in this document.
trustee(s) means the person or persons who act as trustees of the group pension scheme in respect of which you have been nominated as a user.
user means an individual nominated to act as a user by a participating employer or trustees that have a group pension scheme with us, and authorised by the employer or trustees to view information relating to that group pension scheme on the site;
user id means the user identification chosen by you that, together with the password, enables individual access to the site(s) and the services.
UK means the United Kingdom of Great Britain and Northern Ireland, excluding the Isle of Man and the Channel Islands.
we or us means each Standard Life Affiliate providing the site(s) and the services to you from time to time, and our will be interpreted accordingly.
you means you as the person nominated by the employer or in respect of the group pension scheme and who is authorised as the user of the site(s) and services on the registration form, and your will be interpreted accordingly.
2. Intended audience and use
2.1 The site(s) are intended for the information/use of users on behalf of employers and trustees who are resident in the UK and have Standard Life group pension schemes.
2.2 As the site(s), the services and the information are issued in the UK these are not intended to be compliant with any laws or regulations outside the UK.
2.3 We do not accept liability for any costs, losses or damages resulting from or related to the use of the site(s), the services or the information by the following persons:
- persons residing outside the UK, the Channel Islands and the Isle of Man; or
- persons who are nominees for citizens, residents or nationals of countries outside the UK, the Channel Islands and the Isle of Man.
- trustees where the trust is resident outside the UK, the Channel Islands and the Isle of Man.
2.4 The site(s), services and information (or any part of them) are not intended to constitute an offer to sell investments or products in the UK or any other country, or to provide financial advice.
3.1 In order to obtain access to the site(s) and the services, you must register with us as a user. You will only be able to register for site(s) that are relevant to the group pension scheme in respect of which the employer or trustees have appointed you as a user to act on their behalf
3.2 You can register by completing and submitting the registration form which will be delivered to us electronically using a secure link.
3.3 You must ensure that the information and details you submit to us on the registration form and when using the site(s) and the services are current, relevant and accurate. You must notify us as soon as possible if you become aware of any changes to the information or details.
3.4 If you wish to register as a user of the site(s) and the services, we may be required to pass information relating to your employer, or the trustees and their group pension scheme to other Standard Life Affiliates to enable you to view information regarding the group pension scheme.
3.5 Subject to any laws, rules and regulations applicable to us, we have full discretion to accept, or not to accept, an application to register you and we reserve the right to reject your application without giving a reason for doing so.
4. Security precautions
4.1 When accessing the site(s) for the first time, you will be required to choose a user id and password, provide your mobile telephone number or work email address, and set up security questions to add additional levels of security. You will also be required to install an authenticator app on your mobile phone, or tablet that will generate single use passcodes for each login. In the event you do not have access to a mobile phone or tablet in your workplace then a work email can be used to generate a passcode.
4.2 You must ensure that the user id and password are memorised and that all reasonable precautions are taken to prevent these from being obtained by anyone else. For instance, the user id and password must not:
- be written down and/or disclosed to anyone else;
- be recorded in such a way that these could be understood by anyone else; or
- be stored on a computer so that the computer remembers these automatically.
4.3 If you believe that someone else knows the user id and/or password, you must:
- ensure that you change your password immediately, the quickest and easiest way for you to change your password is using our on-line facility. If you are accessing our on-line facility to change your password during the site(s) down time, you should check that the password has been changed successfully immediately upon the site(s) becoming available again; and
- contact us by telephone to alert us immediately (see section 19 for how to contact us)
If you fail to comply with sections 4.2 and 4.3, we will not be responsible for any loss suffered by you, your employer or the trustees as a result.
4.4 You will take appropriate technical and organisational measures to prevent unauthorised access to or disclosure of information to any third party, and against any accidental loss or damage to the information.
4.5 You are reminded that it is an offence under data protection law to access any information about any person other than where you are authorised to do so.
5. Using the site(s) and the services
5.1 You must use the site(s), the services and the information solely for the viewing information regarding the group pension scheme for the employer or the trustees and must not make the site(s), services or information available to third parties without the prior written consent of a Standard Life Affiliate.
5.2 You are only permitted to access information relating to the group pension scheme, or to you as a user of the site(s) and the services. It is an offence under data protection law to access any information through the site(s) or the services other than information relating to you as a user for the purposes of gaining insight into the group pension scheme. If we have reason to believe that an attempt has been made to access any information through the site(s) or the services in breach of data protection law, we may communicate this to the relevant Standard Life Affiliate and can revoke your access to the site(s) and the services (as explained in section 6.3). We may also report our suspicions to the Information Commissioner (the supervisory authority which enforces and oversees data protection law) and/or the police.
5.3 You must log out of the site(s) that you have accessed and close your web browser when you have finished using the site(s) and the services. If you do not do this, information about the group pension scheme may appear on the screen of the computer when it is next used and we cannot be held responsible for third parties having access to this information.
5.4 If you do provide the user id and/or password to a third party in breach of these terms, we will not be responsible for any loss or expense suffered by the members of the group pension scheme as a result of this disclosure.
6. Availability of the site(s) and the services
6.1 The site(s) and the services are provided between 9am to 5pm on days other than weekends and bank holidays or as otherwise indicated by us, however, we cannot guarantee that the site(s) or the services will always be available during the times stated. The site(s) and/or the services may be temporarily unavailable or restricted for administrative or other reasons. If this happens we will use reasonable efforts to restore their availability as soon as reasonably possible.
6.2 The performance of our obligations under these terms may be interrupted and shall be excused by the occurrence of an event affecting us or any of our sub-contractors that is outside our or their control (as appropriate) including, but not limited to, an event that could not be predicted or whose consequences are too drastic to plan for as a consequence of which the site(s) and/or services can no longer be provided. If this happens we will endeavour to restore the site and/or services to the extent that we can.
6.3 We may restrict or remove your access to the site(s) and the services at our reasonable discretion if:
7. Accuracy of information
- the incorrect user id or password is keyed in on five successive logon attempts;
- where a self-service password facility is available, you answer the security questions wrongly on three successive attempts;
- you or we suspect that an unauthorised person is attempting to access the site(s) or the services using the user id and/or password;
- for valid operational or security reasons, you or we believe it is necessary and appropriate to do so; or
- you do not access the site(s) for 12 months or more. We will notify you by email when your access will be removed and how you can have access reinstated.
- these terms are brought to an end in accordance with section 16 (Termination)
7.1 We will take all reasonable care to ensure that all the information provided by us is accurate, current and complies with relevant UK laws and regulations as at the date of issue. However, we cannot guarantee that this will be the case especially where we are reliant on a third party to provide accurate information.
7.2 We do not accept liability or responsibility for the completeness and accuracy of the information. We simply make this available to you and the group pension scheme to illustrate trends within the group pension scheme. Although carefully verified, data computations which are not made by us are not guaranteed by us and may not be complete or accurate.
8. General liability
8.1 Irrespective of the other provisions in these terms, we are responsible to you, the employer or the trustees for:
9. Intellectual property
- any claim you, the employer or the trustees may have against us for death or personal injury that has been caused as a result of our negligence;
- losses you, the employer or the trustees suffer as a result of any fraud committed by us;
- losses you, the employer or the trustees suffer as a result of any intentional failure by us to fulfil our obligations under these terms.
- losses you, the employer or the trustees suffer directly arising out of any breach of our data processing obligations set out in section 15
9.1 A Standard Life Affiliate owns the intellectual property (including copyright) in:
- the pages of the site(s),
- the screens displaying the pages of the site(s) and
- the information and its arrangement
unless otherwise indicated.
9.2 'Standard Life' and the Standard Life logo are registered trademarks of a member of Standard Life Aberdeen group (Standard Life Aberdeen plc and its subsidiaries); Standard Life Affiliates use the Standard Life brand under licence from Standard Life Aberdeen group. Members of Standard Life Aberdeen group may also claim trade mark and service mark rights in other marks contained in the information or on the site(s) from time to time.
9.3 Other than in connection with using the services in accordance with these terms you are prohibited from reproducing any part of our copyright or trade mark materials or the look and feel of the site(s), without our prior written consent.
9.4 Subject to 9.3 above, as the user, you may use the information for the employer's or the trustees' internal business use. However, you are not permitted to make the information available to third parties (whether for free or for payment of a consideration) without first obtaining the express written consent of Standard Life.
10.1 Any software, multimedia files, photographs, reports and other documents made available through the site(s) are downloaded at your own risk. We do not warrant the suitability of any such downloads and accept no liability for any problems with your computer that may arise as a result. If you are in any doubt as to the suitability of any such downloads for your computer, it is recommended that you obtain specialist advice before downloading.
11. Third party websites
11.1 We may provide you with links to websites operated or owned by third parties, which allow you to access and use third party material and information. We do not have any control over these third party websites or the information contained on them and do not accept any responsibility or liability in connection with access or use of them. We do not endorse, authorise or sponsor, nor are we affiliated to, such websites or their content, owners or providers.
12. Computer misuse
12.1 You must not perform any denial-of-service attack on the site(s).
12.2 You must not:
- misuse the site(s) by knowingly introducing computer viruses or any other material which is malicious or technologically harmful; or
- attempt to gain unauthorised access to the site(s), the server on which the site(s) are stored or any server, computer or database connected to the site(s).
12.3 By breaching these provisions you would commit a criminal offence under the Computer Misuse Act 1990. We will report any such breach to the relevant law enforcement authorities and will co-operate with those authorities and may disclose your identity to them. In the event of such a breach, your access to the site(s) will be revoked immediately and we may seek to be reimbursed by you for any losses we have suffered as a result of the misuse.
12.4 We recommend that you employ reasonable virus detection and protection measures when accessing the site(s). We will not be responsible for any loss or damage resulting from:
13. Electronic communications
- any attack by a third party on our system; or
- any computer virus or other malicious or technologically harmful material that may infect your computer equipment, computer programs, data or other proprietary material due to use of the site(s), or due to downloading of any material posted on the site(s) or any website linked to them.
13.1 We consider electronic communications (including emails) to have the same status as documents sent to us by post. You also expressly agree not to use the absence of a printed or hand written document as an excuse not to comply with your obligations under these terms.
13.2 If you choose to send an electronic communication (including an email) to us, you do so at your own risk as there can be no guarantee that we will receive it, or that its content will remain private or unaltered during its transmission to us. We will accept no liability for any loss or damage suffered by the members of the group pension scheme, the employer or the trustees as a result of this.
13.3 We reserve the right to monitor the use and content electronic communications (including emails) which are sent from and received by us for the purposes of ensuring compliance with our own electronic communications policy, and identifying and taking action against unlawful or improper use of, or attacks on, our systems.
13.4 We virus scan and retain all electronic communications (including emails), but we will not be responsible for any damage caused by a virus or alteration by a third party, after an e-mail or electronic message has been sent by us. We recommend that you employ reasonable virus detection and protection measures when accessing any e-mails or electronic messages from us.
14. Changes to these terms
14.1 We can make reasonable and appropriate changes to these terms (or issue a replacement set of terms and conditions in their place) at any time:
- if changes to the legal or regulatory requirements applying to the site(s), the services or the information need to be reflected in these terms;
- if decisions of the Financial Ombudsman Service need to be reflected in these terms;
- if new industry guidance and codes of practice which are there to raise standards of customer protection need to be reflected in these terms;
- as a result of a change in the law or regulation or other circumstances beyond our control;
- to reflect improvements to the site(s), the service or the information that technological, service or propositional enhancements have allowed us to make;
- if we reasonably believe that the changes are necessary in the interests of our business; or
- to improve the clarity of any of these terms or correct an error.
14.2 We will let you know of any change that will affect you (and the employer or trustee) or the products to your disadvantage. If you object to a change made by us please contact us (see section 19 for how to contact us), however, please note your and the employer's or trustee's only recourse may be to terminate these terms (as explained in section 16).
15. Data Protection Notice - Using personal information
We will collect and use personal information about you and any other named individual on the application in order to provide this product or service and manage our relationship. It may be necessary as part of this product or service to collect and use personal information which is defined as 'special category data' by data protection law e.g. Health related. Any such special category data will only be collected and used where it's needed to provide the product or service you have requested or to comply with our legal and regulatory obligations and where we have obtained the individual's explicit consent to process such information.
To provide this product or service and meet our legal and regulatory obligations, we will keep personal information and copies of records we create (e.g. calls with us). If this application does not proceed or when you or the named individuals no longer have a relationship with us, we are required to keep information for legal and regulatory reasons. The length of time will vary and we regularly review our retention periods to make sure they comply with all laws and regulations.
The information collected may be shared with Standard Life Affiliate(s) and other companies we work with to support us in the provision of our services. We may also share personal information with our regulators and HM Revenue & Customs where necessary and lawful to do so. Whenever we share personal information, we will do so in line with our obligations to keep information safe and secure.
The majority of your information is processed in the UK. However, some of your information may be processed by us or the third parties we work with in the European Economic Area (EEA) and countries such as the United States and India. Where your information is being processed outside of the UK we take additional steps to ensure that your information is protected to at least an equivalent level as would be applied by UK data privacy laws e.g. we will put in place legal agreements with our third party suppliers and do regular checks to ensure they meet these obligations.
18.1 You can terminate these terms by giving us notice of this, as outlined in section 18.3.
18.2 We may terminate these terms and your right to use the site(s) and the services:
- automatically and immediately without notice when the employer or the trustees notify us that you are no longer employed or engaged by them or no longer appointed by them as an authorised user;
- by giving you 7 days' notice, as outlined in section 18.3. We will notify you of the options available to you at the time;
- automatically and immediately without notice if you commit a material breach of these terms unless that breach can be remedied in which case we may terminate these terms and your right to use the site(s) and the services where you fail to remedy the breach within 30 working days of being asked by us to do so;
- automatically and immediately without notice if you, the employer or the trustees are in the reasonable opinion of Standard Life, in breach of any generally accepted guidelines on internet usage and etiquette (including restrictions on pirating or copying software or attempts to violate security);
- by giving you immediate notice, as outlined in section 18.3, if you, the employer or the trustees has insolvency proceedings or arrangements (including any actions seeking bankruptcy, liquidation, receivership, administration) raised against them, or seeks arrangements with creditors, or ceases (or threatens to cease) to carry on business;
- by giving you as much advance notice as possible, as outlined in section 18.3, in the event that we have to withdraw the site(s) and the services for legal or regulatory reasons.
18.3 The notices that either we or you are required to serve on the other under this section 18 must be in writing and can be served either by email or by first class post to the last notified address of the party (see section 17 for details of our contact address). If a notice is served by email, it will be deemed to be delivered on the day it was sent provided no non-delivery message is received by the sender. If a notice is served by first class post, it will be deemed delivered two working days after being posted and in proving such service it shall be sufficient to prove that the envelope was properly addressed, stamped and posted.
17. How to contact us
17.1 If you have any questions about the site(s) or the service, you can contact us. Our telephone number is 0345 600 2861. Please note that calls may be monitored and/or recorded to protect both you and us and to help with our training. Call charges will vary.
17.2 Our contact address is Standard Life House, 30 Lothian Road, Edinburgh, EH1 2DH.
17.3 You have the right under data protection law to request a copy of the personal data which we hold about you. We reserve the right to charge the maximum fee payable in terms of data protection law.
18.1 If you have a concern or complaint about the site(s) or the services, please call us (see section 19 for how to contact us). We will discuss your issue with you and attempt to resolve it. Where the complaint cannot be resolved immediately, we will take details of the complaint over the telephone, will aim to acknowledge your complaint in writing within a further 5 working days, and will then deal with your complaint as soon as we can.
19.1 The provision of the site(s), the services and the information is not an offer by us to buy, sell or otherwise deal in any investment in any jurisdiction.
19.2 If either party fails to exercise any right or remedy under these terms, this shall not prevent them from doing so in the future.
19.3 The words 'including' or 'include' and words of similar effect will not be deemed to limit the general effect of the words which follow them.
19.4 Each provision of these terms will be construed separately and, in the event that any such provision may prove to be illegal or unenforceable, the remaining provision of these terms will continue in full force and effect.
19.5 The headings to sections will not form part of these terms and will not affect the interpretation of any section.
19.6 All duties of non-disclosure, disclaimers, indemnities and exclusions contained within these terms will survive termination of these terms.
19.7 Each Standard Life Affiliate shall be entitled to recover any loss suffered by it and generally to enforce these terms in its own right in accordance with the provisions of the Contract (Rights of Third Parties Act) 1999. Unless expressly stated, nothing in these terms creates any legal rights for, or enforceable by, any party other the employer, the trustees, you or us.
20. Governing law
20.1 These terms will be governed by English law. You and we submit to the jurisdiction of the courts of England.