Terms and Conditions

Discussion Group and PLSA Member Platform and Community Rules  

  • Respect others. Please be kind and extend the benefit of the doubt to newer guests and members; there’s no such thing as a stupid question. We do not allow any form of hate speech.  We define hate speech as content that does or intends to attack, threaten, incite violence against, or dehumanize an individual or a group of individuals on the basis of protected attributes. We also do not allow content that verbally or physically threatens violence or depicts harm to an individual or a group based on any of the following protected attributes: 
    • Race
    • Ethnicity 
    • National origin 
    • Religion 
    • Caste  
    • Sexual orientation 
    • Sex 
    • Gender 
    • Gender identity 
    • Serious disease or disability 
    • Immigration status 
  • All defamatory, abusive, profane, threatening, offensive, or illegal materials are strictly prohibited. Do not post anything that you would not want the world to see or that you would not want anyone to know came from you.
  • Respect the purpose of the community. Use the community to share successes, challenges, constructive feedback, questions, and goals instead of the products or services that you provide. If you’ve found a product or service helpful, please share your experience with the group in a thoughtful and respectful way.
  • Use caution when discussing products. Information posted on the discussion groups and in the libraries is available for all to see, and comments are subject to libel, slander, and antitrust laws. 
  • You may not share commercially privileged information or market-sensitive information.
  • You may not download content for the purpose of sharing it with non-members. 
  • You may not promote services, products, or content (including but not limited to webinars, surveys, and external links) unless by commercial agreement with the PLSA (e.g. through advertising or another means).
  • You may not use the platform for the purpose of selling or marketing, unless explicitly permitted within that specific conversation or community.
  • Business members may not contact members directly for commercial benefit. 
  • Respect intellectual property. Post content that you have personally created or have permission to use and have properly attributed to the content creator.
  • When posting items in our collaborative environment, please indicate if the content is not available for sharing or reuse. It’s also advisable to contact the owner of any material if you would like to share or reuse it. The PLSA is not responsible for any non-compliance by any user.
  • Post your message or documents only to the most appropriate communities. This helps ensure all messages receive the best response by eliminating "noise."  

Violation of these terms could result in having your content edited or removed, warnings, temporary suspensions, or permanent bans from our online community.  PLSA staff may speak to you if we have any concerns about your behaviour in our online space.  

Legal Terms and Conditions  

This site is provided as a service for the members of the Pensions and Lifetime Savings Association (‘PLSA’). 

The PLSA is not responsible for the opinions or any information posted on this site by others. Any reliance that you place on any information on the site is at your own risk. The content that we provide on the site is provided for general information only and does not constitute any form of advice or representation by us.  We have no obligation to keep any information. You must obtain professional or specialist advice before taking, or refraining from, any action on the basis of the content on our site.  Although we make reasonable efforts to update the information provided by our site, we make no representations, warranties or guarantees, whether express or implied, that such information is accurate, complete or up to date. We disclaim all warranties with regard to information posted on this site, whether posted by the PLSA or any third party; this disclaimer includes all implied warranties of merchantability and fitness. 

In no event shall the PLSA be liable for any loss of data, use or profits or for any special, indirect, or consequential losses or damages, in each case resulting from or arising out of or in connection with the use of the site or any information posted on this site, whether or not the loss or damage was reasonably foreseeable or the PLSA was made aware of the likelihood of the loss.  
Do not post any defamatory, abusive, profane, threatening, offensive, discriminatory or illegal materials.  Do not post any information or other material protected by copyright without the permission of the copyright owner. By posting material, the posting party warrants and represents that he or she owns the copyright with respect to such material or has received permission from the copyright owner. In addition, the posting party grants the PLSA and users of this site the nonexclusive right and license to display, copy, publish, distribute, transmit, print, and use such information or other material.  
Messages should not be posted if they encourage or facilitate members to arrive at any agreement that either expressly or impliedly leads to price fixing, a boycott of another's business, or other conduct intended to illegally restrict free trade or otherwise be unlawful. Messages that encourage or facilitate an agreement about the following subjects are inappropriate: prices, discounts, or terms or conditions of sale; salaries; profits, profit margins, or cost data; market shares, sales territories, or markets; allocation of customers or territories; or selection, rejection, or termination of customers or suppliers.  
The PLSA does not actively monitor the site for inappropriate postings and does not on its own undertake editorial control of postings. However, in the event that any inappropriate posting comes to or is brought to the attention of the PLSA we will take all appropriate action.  
The PLSA reserves the right to remove any post or information on the site at its discretion or to terminate access to any user who in our sole discretion does not abide by these rules and guidelines.  
It's important to note that the views expressed on this platform may not align with or represent the official perspectives of the PLSA and are not reflective of an official stance or a formal endorsement.  We do not endorse any actions taken based on the content shared on this platform. 

We do not guarantee that our site will be secure or free from bugs or viruses. 

You are responsible for configuring your information technology, computer programmes and platform to access our site. You should use your own virus protection software. 

You must not misuse our site by knowingly introducing viruses, trojans, worms, logic bombs or other material that is malicious or technologically harmful. You must not attempt to gain unauthorised access to our site, the server on which our site is stored or any server, computer or database connected to our site. You must not attack our site via a denial-of-service attack or a distributed denial-of service attack. By breaching this provision, 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 we will co-operate with those authorities by disclosing your identity to them. In the event of such a breach, your right to use our site will cease immediately.   

Community Etiquette

Thank you for being part of our PLSA community.  To ensure the best possible experience for all members, we have established some basic guidelines and rules for participation.  By joining and using this community, you agree that you have read and will follow these rules and guidelines.   

Please take a moment to acquaint yourself with these important guidelines. Compliance with these rules and guidelines is a condition of you being a member. We reserve the right to suspend or terminate membership in this community for anyone who violates these rules.  


  • Discussion Group and PLSA Member Area and Community Etiquette
  • Discussion Group and PLSA Member Platform and Community Rules 
  • Legal Terms and Conditions 
  • Personal Data 

Personal Data  

Any personal information you provide to us including and similar to your name, address, telephone number and e-mail address will not be released, sold, or rented to any entities or individuals outside of our organization except as noted below.  
With Whom Do We Share the Personal Information We Collect Through This Site:  
Our Service Providers - We may share your personal information with companies (including our affiliates) that perform services on our behalf, for example, companies that help process credit card payments or help store and process our data. Our service providers are required by contract to protect the confidentiality of the personal information we share with them and to use it only to provide specific services on our behalf.  
Business Transfers - Your personal information may be transferred to another entity (either an affiliated entity or an unrelated third party) in connection with a business sale, share sale, merger, reorganization, dissolution or similar corporate event. 
Government and Legal Disclosures - We may disclose the personal information we collect through this site, when we, in good faith, believe disclosure is appropriate to comply with the law (or a court order or subpoena); to prevent or investigate a possible crime, such as fraud or identity theft; to enforce our Terms and Conditions or other agreements that govern your use of this site; or to protect the rights, property or safety of our company, our users, or others.  
External Sites – There may be links to other sites on our site.  We are not responsible for the content of external internet sites. You are advised to read the privacy policy of external sites before disclosing any personal information.  
Cookies - A "cookie" is a small data text file that is placed in your browser and allows us to recognize you each time you visit this site (personalisation, etc). Cookies may also be used by 3rd party content providers such as news-feeds. Please see the PLSA Cookies Policy for further details of how we use cookies. 

Privacy - While we do our best to protect your personal information, we cannot guarantee the security of any information that you transmit to us and you are solely responsible for maintaining the secrecy of any passwords or other account information. In addition other Internet sites or services that may be accessible through our site have separate data and privacy practices independent of us, and therefore we disclaim any responsibility or liability for their policies or actions. Please contact those vendors and others directly if you have any questions about their privacy policies.  Please see the PLSA Privacy Policy for more information.