FAQ

Frequently Asked Questions.

We’ve gathered answers to the questions we’re asked most often by both workers and employers. Everything here is designed to help you understand how our independent pension platform works — clearly, securely, and in full alignment with UK workplace pension standards.
FAQ
Workers
Q1. Are you a pension provider?

No. We’re an independent platform that connects workers and employers to recognised UK pension schemes. We don’t hold or manage pension funds — your contributions go directly to your chosen provider.

Q2. Can I choose any pension provider I want?

You can choose from a list of UK pension schemes authorised for automatic enrolment participation. Each scheme meets The Pensions Regulator’s requirements. This ensures every choice remains compliant and properly administered.

Q3. What happens if I change jobs or agencies?

Your chosen pension provider moves with you. When you start a new role, we securely inform your new employer or payroll provider of your existing pension preference, so your contributions continue without interruption.

Q4. Is there a cost for using the platform?

No. Workers are not charged for using the system. Our role is to provide the infrastructure that keeps pension choice transparent, portable, and compliant — not to take fees or commissions.

Q5. Will you give me financial advice?

No. We don’t offer financial or investment advice. We provide factual information about how workplace pensions work so that you can make informed, independent decisions.

Q6. How secure is my personal data?

All personal information is protected in accordance with UK GDPR and ICO regulations. Data is encrypted, stored on UK-based servers, and never sold, shared, or used for marketing purposes.

FAQ
Employers
Q7. How does this help with automatic enrolment compliance?
Our platform ensures each worker’s pension choice is properly validated and recorded. Employers gain a clear, auditable record showing that every worker is enrolled in an approved scheme, helping meet The Pensions Regulator’s standards.
Q8. Does this replace my existing payroll software?
No — our system works alongside your payroll software, not instead of it. We integrate securely so that pension deductions and provider data are transferred automatically without adding extra admin steps.
Q9. Can I still use my current pension provider?
Yes. If you already use an approved UK pension scheme, your workers can continue to contribute to it. Our system simply gives those who prefer a different approved provider the freedom to choose.
Q10. What happens if a worker doesn’t choose a provider?
If a worker doesn’t make a selection, you can continue to enrol them into your default workplace pension scheme. Our system only updates contributions once a valid choice is made.
Q11. How do I show compliance if audited?
Every action within the platform is logged, timestamped, and accessible through your employer dashboard. You can export reports at any time to demonstrate alignment with workplace pension requirements.
Q12. Do I need to sign a contract to use the platform?
Yes — employers complete a standard service agreement confirming compliance responsibilities, data protection standards, and secure payroll integration terms. This ensures both sides meet their legal obligations clearly.
FAQ
General
Q13. Are you regulated by the Financial Conduct Authority (FCA)?
We’re not a financial adviser or investment firm, so FCA authorisation does not apply. We operate under The Pensions Regulator’s auto-enrolment framework and comply fully with UK data protection and privacy laws.
Q14. How do I know my data is safe?
We apply strict technical and organisational controls, including encryption, firewalls, access restrictions, and regular security audits. Our infrastructure meets UK Cyber Essentials standards for data protection.
Q15. What should I do if I have a complaint?
You can submit a formal complaint by email or through our contact form. All complaints are acknowledged within five working days and handled in line with our published Complaints Policy.
Q16. Where can I find more information about workplace pensions?v

You can visit The Pensions Regulator or MoneyHelper for impartial guidance and detailed information about workplace pension rules in the UK.

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