Privacy Policy

This Privacy Policy explains the information we collect about you and the steps we take to ensure that information is kept secure and confidential. It should be read together with our website’s Terms and Conditions.

Please read our Privacy Policy carefully. If you use our website, we will assume that you have read and accepted our Privacy Policy. If you don't wish to be bound by what you read below, you shouldn't use

If you have any queries relating to our use of your personal data or any other related data protection questions, please contact us at

We respect your privacy and will not sell or make available in any way to third parties the personal information we collect from you (‘data’) except as set out below or where we have previously obtained your consent. The nature of the services provided via this website means that we might obtain certain information about you so this statement sets out the principles explaining how we use your data.

How we use your data

When you register on our website, we will ask you to provide certain basic information, including your contact details. We will store this data and may use it to contact you unless you have asked us not to do so.

We, and our agents and sub-contractors, use information held about you in the following ways:

• to carry out our obligations to you and to process your application effectively

• to ensure that content from our website is presented in the most effective manner for you and for your computer, mobile phone or tablet

• to provide you with information, products or services that you request from us or which we feel may interest you,  where you have consented to be contacted for such purposes

• allow you to participate in interactive features of our service, when you choose to do so

• to notify you about changes to our service.

To enable us to monitor and improve our website, when you use it we may gather certain information about you. This includes details of your operating system, browser version, domain name and IP address, and the details of the website you were referred to us from. We may provide such aggregate information to third parties. This information (eg IP address, operating system and browser type) will not include details that can be used to identify any individual.

We may use cookies only to store information such as your User ID and your session identifiers to enable us to identify whether you are registered on our website and, if so, to shortcut your access. We will only read cookies from your cookie file placed there through your web browser's interaction with our website. To find out more about cookies go to our Cookie Policy page.

Third Party Links

We are not responsible for the data policies, procedures or content of any other websites that are linked to our website.

Data Security

Unfortunately, the transmission of information via the Internet is not completely secure. Although we will do our best to protect your personal data, we cannot guarantee the security of your data transmitted to our website. You accept the inherent security implications of dealing online over the Internet and will not hold us responsible for any breach of security unless we have been negligent or through wilful default.

All information you provide to us is stored on secure servers. Any communications or payment transactions will be encrypted using SSL (Secure Socket Layer) technology. SSL has been designed to work with Explorer browsers and you should use the latest version of the software to take full advantage of this added security. Where we have given you (or where you have chosen) a password, which enables you to access certain parts of our website, you are responsible for keeping this password confidential. We ask you not to share your password with anyone.

If you submit content to our website

By submitting any questions, answers, comments or other material to us you give us unconditional permission to use this information regardless of any moral rights, copyright, service mark, trademark or patent laws. Further, you allow us to publish, modify, edit, translate, distribute and otherwise reproduce the information in whatever format we choose.

If you submit articles or other content directly to us we will keep a record of the email addresses you used. We will keep a record of the content and comments sent to us and from time to time we might publish on our website some of the comments which have been made. You accept that by using any open section of our website, like the Message Boards or Questions and Answers, your comments will visible on our website.

Your responsibility to us

We have certain responsibilities under legislation and to the pension providers we list to verify the identity of registered users, and we will need to make enquiries and obtain certain information from you for that purpose. By using our website you confirm that all information you supply is be accurate and that we may pass on such information, as we consider necessary, to relevant parties.

Disclosure of your data

We may disclose your data to any member of our group, which means our ultimate holding company and its subsidiaries. We will only disclose your personal information to third parties in the following situations:

• if we are under a legal obligation to disclose it

• in order to enforce our Terms of Business 

• where we have previously obtained your permission

• to enable you to receive information you have requested as part of your registration and the site services to be sent to you by email (we will disclose your email address).

Transfers out of the European Economic Area (‘EEA’)

The data that we collect may be transferred to, and stored at, a destination outside the EEA. It may also be processed by staff operating outside the EEA who work for us, or for one of our suppliers. Such staff may be engaged in, among other things, the fulfillment of your order, the processing of your payment details and the provision of support services. By submitting your data, you agree to this transfer, storing or processing. We will take all steps reasonably necessary to ensure that your data is treated securely and in accordance with our Privacy Policy.

Our records

To ensure that our records are up-to-date, we may contact you from time to time to check that the information you have provided is still accurate. If, at any stage, any of your details change and you would like us to reflect that change, please email us with revised details.

Changes to our policy

This policy is effective from 1 May 2013. We may, from time to time, make changes to this Privacy Policy to reflect any changes to our privacy practices in accordance with changes to legislation, best practice or website enhancements. We will let you know what these changes are by posting them to this page, but it is your responsibility as a user to make sure that you are aware of them, by checking for any changes on a regular basis. Changes will become effective as soon as they are posted.

If you have any questions about our Privacy Policy, please contact us at

Cookie Policy

We use cookies on this website to improve your experience. By continuing to browse the site you are agreeing to our use of cookies

Our website, like many others, uses small files called cookies to help customise your experience. Cookies are stored on your computer, mobile phone or tablet, by your browser (eg Internet Explorer or Safari) and allow websites to record your activity and store your user preferences. You can think of cookies as providing a ‘memory’ for the website, enabling it to recognise you and respond in a smarter and more personalised way.

This page contains more information on the cookies we use and, specifically,  how you can disable cookies used by third parties for advertising purposes. If you don’t find the information you were looking for, or you have any further questions about the use of cookies on our website, please email us at

How do we use cookies?

A visit to one of our webpages may generate the following types of cookie:

• site performance cookies

• anonymous analytics cookies

• geo-targeting cookies

• registration cookies

• advertising cookies

• third party advertising cookies

• other third party cookies.

Site performance cookies

This type of cookie remembers your preferred settings for the tools found on our website so that you don't have to re-set them each time you visit. Examples include:

  • volume settings for the video player
  • whether you see the latest or the oldest article comments first
  • which video streaming speeds are compatible with your browser.

Anonymous analytics cookies:

Every time you visit our website, web analytics software, provided by a third party, generates an anonymous analytics cookie. These cookies can tell us whether or not you have visited our website before.

Your browser will tell us if you have these cookies and, if you don't, we generate new ones. This allows us to track how many individual unique users we have, and how often they visit our website.

Unless you are signed into Pension PlayPen, these cookies cannot be used to identify you and are used for statistical purposes only. If you are logged in, we will also know the details you gave to us when you registered, such as your username and email address.

Geo-targeting cookies

These cookies are used by software to try to work out what country you are in, from information supplied by your browser when it requests a web page. This cookie is completely anonymous and is only used to help target content.

Registration cookies

When you register with us we generate cookies that signal whether or not you are signed in to our website. Our servers use these cookies to work out which account you are signed in with and if you are allowed access to a particular service. It also allows us to associate any comments you post with your username.

If you have not selected 'keep me signed in’, your cookies get deleted when you either close your browser or shut down your computer, phone or tablet.

While you are signed in we combine information from your registration cookies with analytics cookies, which we could use to identify which pages you have seen on Pension PlayPen as an individual.

Advertising cookies

These cookies let us know whether or not you've seen an advert or a type of advert and how long it is since you've seen it.

We also use cookies to assist with targeted advertising. We may use cookies set by a third party to more accurately target advertising to you. For example we might show adverts about annuities to users who have recently visited the ‘Retirement Time’ section of our website. These cookies are anonymous: they store information about the content you are browsing, but not about who you are.

We will set anonymous cookies on certain other websites that we advertise on. If you receive one of those cookies, we may then use it to identify you as having visited that website if you later visit Pension PlayPen; we will then be able to serve targeted advertising based on this information.

Third party advertising cookies

A lot of advertisements you see on Pension PlayPen are generated by third parties. Some of these third parties use their own anonymous cookies to track how many people have seen a particular advert, or to track how many people have seen it more than once.

The companies that generate these cookies have their own privacy policies, and we have no access to read or write these cookies. These third party advertising cookies may be used by those third parties to anonymously target advertising to you on other websites, based on your visit to Pension PlayPen.

Other third party cookies

On some pages of our website, third parties may also set their own anonymous cookies, for the purposes of tracking the success of their application, or customising the application for you. Because of how cookies work, we cannot access these cookies, nor can the third parties access the data in cookies used by us.

For example, when you share an article using a social media sharing button on Pension PlayPen, the social network that has created the button will record that you have done this.

How do I turn cookies off?

It is usually possible to stop your browser accepting cookies, or to stop it accepting cookies from a particular website. But please note that this might significantly impact your ability to use Pension PlayPen. For example without cookies we would not be able to tell if you are signed in or not and you would not be able to post comments.

All modern browsers allow you to change your cookie settings. These settings will typically be found in the 'options' or 'preferences' menu of your browser. In order to understand these settings, the following links may be helpful; otherwise you should use the 'Help' option in your browser for more detail:

• Cookie settings in IE

• Cookie settings in Firefox

• Cookie settings in Chrome

• Cookie settings in Safari

If you are primarily concerned about third party cookies generated by advertisers, you can turn these off by going to the Your Online Choices website at

For more information you can also visit the Network Advertising Initiative website, which is the trade body representing these advertising platforms. On their website they have gathered together all of the opt-out controls. Please bear in mind that there are many more networks listed there than those that we use at Pension PlayPen. You can visit their website by clicking this link:,

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