In this section of the website, you will find everything you need to know about the Plan and to save for your retirement.

Find out how the Plan works, how your contributions affect your retirement savings, where your money can be invested and why saving for your retirement is so important. There are also details of the free life assurance available while you are a contributing member of the Plan.

You can use our interactive retirement modeller to estimate how much you could save and the benefits you may receive once you retire. Once you start saving into the Plan, the value of your savings at retirement will depend on:

• the amount of money you and the Company contribute;
• how long you continue contributing;
• investment returns on your savings.

So, the more you contribute and the sooner you start, the more your retirement savings are likely to be. Browse through the website to find out more about the Plan and the importance of preparing for your future, or click here to login to your secure online account.

The Plan’s benefits are governed by the Rules of the Plan and are subject to overriding legislation. The information on this website is based on current legislation and the current Rules as at April 2013, and may be subject to changes in future legislation and changes to the Rules.

If there is any discrepancy between this website and the Rules, the latter will prevail. The Trustees are required by law to notify you if there are certain changes to the Rules of the Plan.

For the purpose of administering the Plan and paying benefits under it, both the Trustees and the Company have a legal obligation and a legitimate interest under the Data Protection Act 1998 (the Act) in processing data relating to you and any of your beneficiaries. This may include passing such data to the Company, and current or prospective employers, advisers, administrators, auditors, insurers, government bodies and lawyers. The Trustees and the Company are, for those purposes, Data Controllers under the Act.

The Act has particular relevance to pension schemes because personal data will always be held about you in order to pay your correct benefits when you retire. Under the Act, you and your family have rights to ensure that all data held about you is obtained and processed lawfully and fairly.

You may, at any time, request a description of the data held about you and the names of any persons or organisations that are eligible to see it. The Trustees are entitled to charge a small fee for providing this information.

If you do not consent to your data being processed for the purpose of Plan membership you should contact the Experian Pensions team at Capita.