Terms of Use of the Smart Pension Website www.AutoEnrolment.co.uk

We have compared our platform and fee structure with those of other auto enrolment providers. Below is a comparison of Smart Pension, Nest Pensions, Now: Pensions, Creative Auto Enrolment and The People's Pension.

About these terms

When you use our website, you acknowledge and agree to these terms of use. These terms apply to both persons who have registered with a username and password, and those who are not registered. Please read these terms carefully each time you access our website, as they may change at any time without notice. If you access our website after any change is made to these terms, you accept and agree to the revised terms.

Who we are

We are Smart Pension Limited, a limited liability company registered in England under number 09026697. Our registered office is located at 20 Eastbourne Terrace, London W2 6LG, United Kingdom.

Use of our site

You must use our site in keeping with our terms and conditions, and you must not use our site in an unacceptable way.

We cannot provide a complete list of what falls under unacceptable use, but generally we consider use of our website to be unacceptable if it is likely to damage our website and / or its operation, injure our business or reputation, or cause us, our customers or our website visitors to suffer liability, whether legal, tax or regulatory.

By way of example:

  • you must not use our website in a manner which breaks any local, national, or international law or regulation, or in a way which is fraudulent or unlawful, or which produces a result or effect which is likely to be fraudulent or unlawful;
  • you must not distribute any unsolicited or unwelcome marketing and promotion material or other communications (such as junk mail, phishing or spam) through or in connection with our website; and
  • you must not introduce, upload or transmit any files, material or programs which are likely to harm out website (such as trojans, viruses, worms, bots and other malware), try to gain unauthorised access to our website, servers, computers, databases or other property, or initiate or participate in a denial of service attack on our website.

Availability of service

We do our best to have our website available to you at all times, but it is to be expected that sometimes the website will be unavailable for a period, whether for maintenance or due to factors beyond our control, and we are not liable for this. We will, of course, try to resume normal service as quickly as we can.

The safety and security of our website is a priority for us. While we have made every effort to ensure the safety and security of the site, we are not able to warrant or guarantee that the website will be free from viruses or other defects at all times, and are not liable for any problems, issues or damages which arise as a result of using our website.

Registered users

If you are a registered user of our site, either as a representative of a company, an automatically enrolled employee, an affiliate or commercial partner of some form, a company adviser (such as an IFA, a payroll provider or an accountant) or a referral programme participant, you may be provided with a password and /or other unique identifying data, which you must take care to keep private and confidential.

If any of the information you have supplied in your user account changes, becomes incorrect or is incomplete, please notify us as soon as you can.

You will be responsible for all things which are done under your user account, whether or not they were done by you or with your permission. If you become aware that your account has been used without your permission, or of any other security breach, you must notify us as soon as possible by emailing security (at) smartpension dot co dot uk with the subject line: Security Breach.

Your rights as a registered user are personal to you and cannot be transferred.

Breach of our terms

If you breach our terms of use and we consider that breach to be a fundamental breach we may: warn you, permanently or temporarily suspend or limit your use of the site, take legal action against you to recover any loss or damages we have suffered, and/or disclose information to authorities where appropriate or required.

You are liable and indemnify us for any loss, liability, damage and costs suffered or incurred by us, including any damages and costs awarded against us by a court or tribunal, or reasonably agreed to be paid by us in settlement of any claim, in connection with your breach of these terms of use.


Our website contains hyperlinks to the websites of third parties for your convenience. We do not own or control these sites, and are not responsible in any way for their content, material or for your use of them. We do not endorse or make any representation regarding these sites.

You may create a link to our site provided that you agree that if we request that you remove such a link (acting in our sole discretion) you do so immediately and without cost or charge to us.

Intellectual property

The design and content of our website is protected by our copyright (© 2014) and we and our licensors are the exclusive owners of all intellectual property right in and to the site and all material provided on it, unless specifically stated otherwise. All rights are reserved and we may bring legal action to protect our rights if we consider it necessary.

You may download, for non-commercial use, any page, document, or video clip made available on our site provided you don't alter the downloaded material in any way and you always acknowledge us (and any contributors identified) as the source of these materials via means of a hyperlink back to our website (www.autoenrolment.co.uk). You are not permitted to create derivative works from any of the material or content of our website, or to hamper or impede the use of our website by anyone else.

If you are an employer, you may download certain content and distribute it to your employees to provide them with information on the scheme offered by us.


We do not provide investment, financial or any other type of regulated or professional advice, and none of the material or content of our website should be taken as providing such advice.


While we regularly review the information and material provided on our site, and take steps to ensure it is easy to understand and accurate, we do not provide any guarantee or warranty in relation to material appearing on our website or accept any liability for any errors, incompleteness, inaccuracies or omissions.

Should you find an error, please email us immediately at content@smartpension.co.uk to alert us.


We, other members of our group of companies (if any), third parties connected to us, and the officers, directors, employees, shareholders or agents of any of these, exclude (to the extent permitted by law) all warranties, terms and conditions which would otherwise be implied (by equity, common law or statute), and any liability or responsibility for direct, indirect, consequential or punitive loss or damage (including without limitation loss of profits, income, revenue, business, contracts, anticipated savings, goodwill, data, use of money, business disruption or waste of management or office time) incurred by any person in connection with:

  • our website;
  • the use of, or inability to use, our website;
  • any websites linked to on our website and any material on such websites;
  • any material which may be downloaded from our website or any websites linked to our website; and
  • any malware that may infect your computer, software, data or other property in connection with your access to, use of, or browsing of our website or any website linked to our website.

under tort, contract or otherwise and whether foreseeable or not.

We do not exclude liability for any death or personal injury caused by our negligence, or for fraud, misrepresentation as to a fundamental matter, or for any other liability which cannot be excluded or limited by law.


We use cookies on our website to help us provide you with the best service possible. Cookies allow us to remember your settings, make our website faster and more efficient, let you share our content via social media, and tailor our services to your needs.

If the settings on your browser allow cookies, then we take this as confirmation that you are happy for us to use cookies in the manner summarised above and in our Privacy Policy.

If you are not happy with the above you should adjust your browser settings to reject or disallow cookies. The process to do this will depend on which browser you are using, but should be outlined in your browser "help" or "tools" sections, or alternatively you can find the process by searching online. Please be aware that disabling cookies will mean that our website cannot function as it should do, and will have a severe impact on your use of our website. If you disable cookies you may find that you are not able to use our website at all.


These terms are governed by English law. The courts of England will have exclusive jurisdiction to deal with any dispute or claim under, connected with, or arising out of, these terms, including any dispute or claim relating to their subject matter, whether contractual or not.

If any part of these terms is found to be unlawful, void or unenforceable in any way, then the terms shall be read so that the unlawful part is severed, and to the extent possible, it shall not effect the lawfulness, validity or enforceability of the remainder of these terms.

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