IPSE Terms and Conditions

IPSE General Terms and Conditions

Your attention is specifically drawn to clause 6 of these terms and conditions.

 

1.         These Terms and Conditions

a.         This is the legal document (“Contract”) between you (whom we refer to in this Contract as “you”, “your” and “the member”), and us.  We are The Association of Independent Professionals and the Self Employed Limited and we own and operate this Website and provide a range of services via this Website.  The Association of Independent Professionals and the Self Employed Limited is a company limited by guarantee registered in England with company number 03770926 and our registered office is at Heron House, 10 Dean Farrer Street, London SW1H 0DX. In this Contract we refer to ourselves as “IPSE”, “we”, “us” or “our”.

b.         By using this Website, whether as a visitor or member, you indicate that you accept these terms and conditions and that you agree to abide by them.  Please read them carefully before you begin to use our Website.  If you do not agree with these terms and conditions, please do not use our website.

c.         Some of these terms and conditions apply only to members and other terms in these terms and conditions will apply to both visitors and members.

d.         The following definitions apply in this Contract:

“Application” means the application form for membership with IPSE which can be made via the Website or such other method via which IPSE allows applications for membership.

“Business Day” means a day other than a Saturday, Sunday or public holiday in England, when banks in London are open for business.

“Contract” has the meaning set out in clause 1a. above.

            “Joining Date” has the meaning set out in clause 3.1a. below.

“Materials” means the material, information and content posted on the Website.

“Membership Fees” means the fees payable by you for your membership with IPSE, in accordance with clause 3.2.

“Membership Year” means a 12-month period commencing with the Joining Date or any anniversary of it.

“Partners” means IPSE’s partners who provide products and services to you to help run your business.

“Privacy Policy” means the privacy policy available at https://www.ipse.co.uk/about-us/what-we-do/privacy-policy.html

“Services” means the services provided by IPSE to you via the Website.

            “Website” means https://www.ipse.co.uk/

 

2.         What IPSE will do for you

2.1.      Policy and Representation

a.         We’ll give members a voice with Government at all levels, promote the value of self-employment, bring forward policy suggestions to enhance self-employment and oppose any measures we think would be detrimental to the self-employed.

b.         We’ll ask you on a regular basis what problems you face and incorporate these findings into our policy work.

2.2.      Research, Education and Training

a.         We aim to be at the forefront of research into the field of self- employment.

b.         We’ll find and promote offers for personal development and skills training for our members.

2.3.      Commercial Development

a.         We’ll bring you offers to assist you in your business, such as access to banking, mortgages, business tools, discounted products, savings products and life insurance, many of which are provided by our Partners (further details about which are set out in clause 2.4c).

b.         We’ll find courses to help you develop your business skills, such as improving your use of social media, CV writing and interview techniques.

2.4.      Membership Levels and Member Benefits

a.         If you are an IPSE member then you will be subscribed to one of the following levels of membership:

            (i)         Standard;

            (ii)        Plus;

(iii)       Student;

            (iv)       Alumni (see clause 3.1c. for more details about this);

(v)        [ Solo;

(vi)       Protect.

b.         Each level of IPSE membership also has specific membership benefits and these are detailed in a separate document which will be made available to you before you join IPSE and a copy sent to you by email when you join IPSE.

c.         Many of the membership benefits are provided by our Partners and you will contract directly with them to receive those benefits and you will be subject to the relevant Partner’s terms and conditions (some of which are set out in the below links for Standard membership and Plus membership levels). The relevant Partner is responsible for the sale and supply of the relevant benefits, products and/or services to you and for dealing with any claims or other issues which arise out of or in connection with those benefits, products and/or services or the contract you have with them. 

d.         By including the Partners, we make no endorsement of or recommendation or representations about the products and/or services they provide and we make no endorsements of or recommendations or representations that the Partner or the benefits, products and/or services they supply will be suitable for you, your business or needs.

2.5.      Keep you informed

a.         We’ll let you know by email of any changes to or problems with your membership.

b.         We’ll advise you of General Meetings by email – you can send a postal letter to us asking for notice by post if you would prefer to get notices of General Meetings by post.

2.6.      Protect your data

IPSE takes data protection seriously. Please see IPSE’s detailed Privacy Policy for a complete explanation of how we protect and use your data. We won’t share your personal data with any third-party except as set out in our Privacy Policy, including where we need to do this to provide you with any of the products and/or services you’re eligible for as part of your membership of IPSE (including with our Partners).

 

3.         What IPSE asks of you

3.1.      When you join IPSE

a.         Unless we tell you otherwise your membership of IPSE is an annual membership, beginning on the date we receive a valid Application and valid payment of the Membership Fees from you (“Joining Date”).  Clause 3.2 sets out more details about Membership Fees and methods of payment.

b.         Your IPSE membership will renew automatically on each anniversary of your Joining Date.

c.         If you have previously been an IPSE member but decide to change career, retire or for other reasons no longer require full IPSE membership, you can continue to be an IPSE member and receive basic membership benefits under an IPSE Alumni membership (please contact the IPSE Membership Team on 0844 644 8493 for further details).

3.2.      Your Membership Fees

a.         The Membership Fees for your level of membership are set out on https://www.ipse.co.uk/member-benefits/packages.html. The Membership Fees are exclusive of VAT.

b.         Membership Fees become due in full immediately on the Joining Date and become due in full annually on the anniversary of the Joining Date (unless in the case of the relevant anniversary you have cancelled your membership in accordance with this Contract).

c.         You must pay your full Membership Fees for each Membership Year, whether you pay the full amount annually in advance or whether you pay monthly instalments by Direct Debit.

d.         You can opt to pay annually in advance by either Direct Debit or credit/debit card or choose to pay monthly instalments by Direct Debit. If you choose to pay monthly, the unpaid balance of your Membership Fees for the rest of the Membership Year remains due regardless of any circumstances (including cancellation by you or us) other than in the case of your death.

e.         IPSE reserve the right to increase the Membership Fees for your level of membership, and such increases will apply on the next renewal of your membership.

f.          If you cancel without notice or cancel part of the way through your Membership Year, or fail to pay the Membership Fees when due, you may lose all your membership rights and benefits and IPSE will be entitled to recover all and any outstanding Membership Fees from you in full.

g.         If you pay by monthly instalments and cancel your payment without giving us proper notice in accordance with this Contract, or if your payment fails for any reason, all sums due to us will become payable immediately and we may demand immediate payment in full.

h.         Save in the case of your death, Membership Fees are non-refundable under any circumstances.

3.3.      If you need to cancel your membership

a.         IPSE membership is for a full Membership Year, whether you pay annually in advance or in monthly instalments.

b.         If you do not want to renew your membership for the following Membership Year you may cancel your membership by giving us not less than one calendar months’ notice in writing before the end of the current Membership Year or by calling us at least one calendar month before the end of the current Membership Year. If you attempt to cancel on less than one calendar months’ notice in writing or by phone then your membership will renew for the following Membership Year (and you will be required to pay the Membership Fees for that following Membership Year in full) and your membership will end at the end of that following Membership Year.

c.         In the event of IPSE receiving confirmed notification of your death (including such evidence as IPSE may reasonably require) we will automatically cancel your membership and refund any outstanding Membership Fees to the account from which we received payment. If your death occurs part way through a Membership Year, a pro-rata adjustment/ refund will be made in respect of the Membership Fees payable / paid by you under the Contract.

d.         If you cancel your IPSE membership you’ll lose all your membership rights and benefits. If you are a ‘Plus’ member or are a member and have chosen to pay for the life assurance cover in addition to your membership level then your life assurance policy provided by Legal and General will also be cancelled.

e.         If you’ve arranged your pensions via IPSE Futures (provided by Aegon) we will also have to cancel our arrangement with you to collect your contributions and pass them on to Aegon but we’ll tell you by email how to carry on making pension contributions direct to your pension provider should you wish to do this.

3.4.      IPSE’s Code of Conduct

You agree to:

a.         Become a member of IPSE and to comply with IPSE’s Articles of Association which are available on the Website for you to view and download.

b.         Only use IPSE’s logo to signify your membership of IPSE and not suggest or imply that your use of our logo represents any trade or professional qualification or standard.

c.         Not represent yourself as:

(i) being approved or endorsed by IPSE regarding your business activity; or

(ii) having a trading relationship with or being a supplier of IPSE.

d.         Act at all times in a professional and courteous manner to all fellow members and employees of IPSE.

e.         Not act towards any IPSE employee or fellow member in a manner which may give rise to any claim by the employee or member against IPSE.

f.          Not discriminate against any IPSE employee or fellow member because of age, disability, gender reassignment, marriage or civil partnership, pregnancy or maternity, race (including colour, nationality and ethnic or national origins), religion or belief or sex or sexual orientation.

g.         Not use threatening or abusive behaviour or language towards any IPSE employee or fellow IPSE member.

 

4.         Our rights

4.1       Preventing use of the Website

We reserve the right to prevent you from using the Website and/or the Services (or any part of them) if you are in breach of this Contract or any other terms and conditions between us and you.

4.2       Intellectual Property Rights

a.         We grant to you a limited, personal, non-transferable, non-exclusive, revocable license to access and use the Website and Materials pursuant to this Contract and subject to any additional terms and conditions or policies set forth by us. All intellectual property rights (including all copyright, patents, trademarks, service marks, trade names, domain names, social media identifiers, designs, whether registered or unregistered) in the Website, Materials and Services shall remain our property (or that of our licensors).

b.         None of the material listed in clause 4.2a. above, in whole or in part, may be reproduced, distributed, copied, modified, published, downloaded, displayed, posted or transmitted in any form or by any means, sold, rented, re-sold, licensed or sub-licensed, used to create derivative works, or in any way exploited without the prior express written authorisation of IPSE. You may, however, retrieve and display the content of the Website on a computer screen, and store such content in electronic form (but not on any server or other storage device connected to a network).

 

5.         When using IPSE’s Website

a.         From time to time, we may restrict access to some parts or all of our Website to members.

b.         Neither IPSE nor any third parties provide any form of warranty or guarantee as to the accuracy, timeliness, completeness or suitability of the information or Materials found on this Website. By using this Website, you acknowledge that such information and Materials may contain inaccuracies or errors and IPSE expressly exclude liability for any such inaccuracies or errors to the fullest extent permitted by law.

c.         The content, information and Materials on our Website are provided for general information only. They are not intended to amount to advice on which you should rely. You must obtain professional or specialist advice before taking, or refraining from, any action on the basis of the content, information or Materials on our Website.

d.         The Website may provide links to third party sites. These are not an indication of endorsement and IPSE are not responsible for the content of the linked websites.

e.         If you use the community forums provided by IPSE at community.ipse.co.uk you must follow the specific terms and conditions of forum usage. Such terms and conditions are available in the relevant community forums.

f.          During registration you will provide us with a password.  You must keep the password confidential and immediately notify us if any unauthorised third party becomes aware of that password or if there is any unauthorised use of your email address.  We are not responsible or liable in the event that a person to whom your password is disclosed uses or transacts via the Website or uses the Services. 

g.         We do not guarantee that our Website, or any content on it, will always be available or be uninterrupted. We may suspend or withdraw or restrict the availability of all or any part of our Website for business and operational reasons. We will try to give you reasonable notice of any suspension or withdrawal.

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

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

j.          You must not misuse our Website 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 Website, the server on which our Website is stored or any server, computer or database connected to our Website. You must not attack our Website 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 Website will cease immediately.

 

6.         Limitation of Liability

a.         We warrant that we will use reasonable care and skill in performing our obligations under this Contract.

b.         The restrictions on liability in this clause 6 apply to every liability arising under or in connection with the Contract including liability in contract, tort (including negligence), misrepresentation, restitution or otherwise.

c.         Nothing in the Contract limits any liability which cannot legally be limited, including but not limited to liability for:

            (i)         death or personal injury caused by negligence;

            (ii)        fraud or fraudulent misrepresentation; and

            (iii)       breach of the terms implied by section 2 of the Supply of Goods and Services Act 1982 (title and quiet possession),

d.         IPSE shall not be liable to you for:

            (i)         loss of profits;

            (ii)        loss of sales or business; or

            (iii)       indirect or consequential loss.

e.         Subject to clauses 6c. and 6d. above, IPSE’s total liability to you in respect of all breaches of duty occurring in a Membership Year shall not exceed 100% of the Membership Fees paid or payable by you under the Contract in the Membership Year in which the breaches occurred.

 

7.         If you need to make a complaint

a.         If you have a complaint about any aspect of IPSE’s service to you, please email complaints@ipse.co.uk and include:

• Your membership number
• Details of the nature of your complaint
• The specific service you believe has gone wrong
• The date and nature of any specific incident
• Any documents you think may be relevant
• What outcome you’d like to see

b.         IPSE will normally respond acknowledging receipt of your complaint within 4 Business Days.

c.         IPSE will try to resolve your complaint within seven Business Days or provide you with a plan of action for the resolution of your complaint.

d.         If your complaint isn’t resolved you may ask us to pass it to the Board of Directors for a final review.

 

8.         General

8.1       Assignment and other dealings

a.         IPSE may at any time assign, mortgage, charge, subcontract, delegate, declare a trust over or deal in any other manner with any or all of its rights and obligations under the Contract.

b.         You may not assign, transfer, mortgage, charge, subcontract, delegate, declare a trust over or deal in any other manner with any of your rights and obligations under the Contract without the prior written consent of IPSE.

8.2       Entire Agreement

a.         The Contract constitutes the entire agreement between the parties and supersedes and extinguishes all previous agreements, promises, assurances, warranties, representations and understandings between them, whether written or oral, relating to its subject matter,

b.         Each party acknowledges that in entering into the Contract they do not rely on, and shall have no remedies in respect of any statement, representation, assurance or warranty (whether made innocently or negligently) that is not set out in the Contract. Each party agrees that it shall have no claim for innocent or negligent misrepresentation based on any statement in the Contract.

8.3       Severance

If any provision or part-provision of the Contract is or becomes invalid, illegal or unenforceable, it shall be deemed modified to the minimum extent necessary to make it valid, legal and enforceable. If such modification is not possible, the relevant provision or part-provision shall be deemed deleted. Any modification to or deletion of a provision or part-provision under this clause 8.3, shall not affect the validity and enforceability of the rest of the Contract.

8.4       Waiver

A waiver of any right or remedy under the Contract or by law is only effective if given in writing and shall not be deemed a waiver of any subsequent right or remedy. A failure or delay by a party to exercise any right or remedy provided under the Contract or by law shall not constitute a waiver of that or any other right or remedy, nor shall it prevent or restrict any further exercise of that or any other right or remedy. No single or partial exercise of any right or remedy provided under the Contract or by law shall prevent or restrict the further exercise of that or any other right or remedy.

8.5       Notices

a.         Any notice given to a party under or in connection with the Contract shall be in writing and shall be delivered by hand or by pre-paid first-class post or other next working day delivery service at its registered office (if a company) or its principal place of business (in any other case); or sent by email to:

(i)         in the case of IPSE: membership@ipse.co.uk

(ii)        in the case of the member: to the email address provided in the Application or which is used to register an account on the Website.

b.         Any notice shall be deemed to have been received:

(i)         if delivered by hand, on signature of a delivery receipt or at the time the notice is left at the proper address;

(ii)        if sent by pre-paid first-class post or other next working day delivery service, at 9.00 am on the second Business Day after posting or at the time recorded by the delivery service; or

(iii)       if sent by or email, at the time of transmission, or, if this time falls outside business hours in the place of receipt, when business hours resume. In this clause 8.5b.(iii), business hours means 9.00am to 5.00pm Monday to Friday on a day that is not a public holiday in the place of receipt.

c.         This clause 8.5 does not apply to the service of any proceedings or other documents in any legal action or, where applicable, any other method of dispute resolution.

8.6       Third Party Rights

Unless it expressly states otherwise, the Contract does not give rise to any rights under the Contracts (Rights of Third Parties) Act 1999 to enforce any term of the Contract.

8.7       Force Majeure

Neither party shall be in breach of the Contract nor liable for delay in performing, or failure to perform, any of its obligations under the Contract if such delay or failure result from events, circumstances or causes beyond its reasonable control.

 

9.         Law and Jurisdiction

a.         The Contract, and any dispute or claim (including non-contractual disputes or claims) arising out of or in connection with it or its subject matter or formation shall be governed by, and construed in accordance with the law of England and Wales.

b.         Each party irrevocably agrees that the courts of England and Wales shall have exclusive jurisdiction to settle any dispute or claim (including non-contractual disputes or claims) arising out of or in connection with the Contract or its subject matter or formation.

 

10.       Updates to Terms and Conditions

We may amend these terms and conditions from time to time.  If you are a member, we will notify you by email of changes to these terms and conditions before they are implemented (and will advise you of the date from which they are to be effective).   If you are a visitor to our website, you should check the terms and conditions each time you visit our website and if you do not agree with them then you should stop using the website.  We will also post a notice on the website that the terms and conditions have been updated.

 

11.       Contact Details

If you need to get in contact with us (other than to provide notice to us, which must be done in accordance with clause 8.5), then you can contact us:

1. By post at: Heron House, 10 Dean Farrar Street, London, SW1H 0DX
2. By telephone on: 020 8897 9970 (lines are open Monday to Friday, 9am to 5pm, excluding UK bank holidays)
3. By email to: membership@ipse.co.uk

Last Updated: 06/08/2019

Your IPSE Plus Membership Benefits

This document should be read in conjunction with the IPSE General Terms & Conditions.
 

1.         Tax and Vat Helplines

a.         You may call the tax helpline during working hours and they’ll try to provide general guidance which addresses your question. No written advice can be provided.

b         The helpline numbers are available on our website to logged-in members only.

Full Tax & VAT helpline terms and conditions can be found here.

 

2.         Legal Helplines

a.         You may call the legal helpline 24/7 and they’ll try to provide general guidance which addresses your question.

A full service summary can be found here.

 

3.         Business interruption services

For all compensation claims there must be a written contract in place and the End Client must be based in the UK. 

a.         Jury Service Compensation

i.          If you are called for and serve on a jury IPSE will compensate you up to £500 per day served to a maximum of £5000 less a deduction of any amount recovered from the relevant court.

ii.         You must have been an IPSE Plus member for more than 60 days prior to recieving the jury service notice.

iii.        You will have to provide documentary evidence of your service to IPSE

b.         Client or agency failure compensation

i.          If your client or agency fails (enters administration or becomes insolvent) IPSE will compensate you up to £10,000.  You must have been an IPSE Plus member for more than 60 days before your client or agency enters administration or becomes insolvent.

c.        Failure of an Agency to honour contractual arrangements

i.         If an agency cancels your contract before you start work IPSE will pay you compensation of up to £1,000.

d.       Being unable to work due to illness or injury for three weeks or more

i.        If you can’t work due to illness or injury for three weeks or more, IPSE will pay you compensation of up to £2,000.

e.       Meetings with HMRC or your Designated Representative – Enquiry interruption

i.        If you have to meet with HMRC or the Designated Representative IPSE’s provider has assigned to you in connection with a tax enquiry or investigation IPSE will compensate you for lost revenue at up to £500 per day.

Full business interruption terms and conditions can be found here.

 

Please note that for all of the above claims, there is a “Waiting Period” of 60 Days from the date from which a Member joins, or upgrades to Plus membership, during which a claim will not be accepted.  Any losses arising before the commencement of or during the Waiting Period will not be accepted.

 

4.        Investigation Representation Service

a.         IPSE will provide you with dedicated contact details for our providers. If tax investigation representation is necessary, upon contact with our provider, you will be assigned an expert representative by them who will handle your case.

b.         IPSE and its providers shall not be liable to provide indemnity hereunder in respect of any claim made, brought or commenced outside the Territorial limits. The territorial limits are England, Scotland, Wales and Northern Ireland.

c.          If you have entered a loan arrangement, these fall outside of the Tax investigation service.

d.          Members must not initiate response to investigation or attend compliance visit until contact has been made with Markel tax and further actions have been approved.

Full investigation representation terms and conditions can be found here.

 

5.        Life Assurance

a.        You automatically receive life assurance with a sum insured of £5,000 as part of your IPSE Plus membership

·         Please let us know who you wish to be the beneficiary of this life assurance in the event if your death

·         Please let your executor or relatives or loved ones know about this membership benefit so they can contact IPSE to claim in the event of your death 

b.         Your life assurance will stop immediately should you allow your membership to lapse or change your membership to another IPSE membership level which does not include this benefit

Full terms and conditions for Life Assurance can be found here.

 

6.        Voluntary Life Assurance

a.         All full IPSE members can also arrange to top-up their life assurance to a maximum sum insured of £255,000 (including the £5,000 which forms part of your Plus membership package)

·         This is done via the IPSE website

·         IPSE will collect premiums from you for this in addition to your annual membership fees

·         Premiums vary with age and will increase as you get older, as well as any inflationary price increases

·         Voluntary life assurance will stop immediately should you allow your IPSE membership to lapse or your payments are cancelled by you

Full terms and conditions for voluntary Life Assurance can be found here.

 

7.        Voluntary IPSE Pension

a.        Most full IPSE members can also arrange invest in a pension at market-beating rates

·          This is done via the IPSE website

·          IPSE will collect pension contributions from you for - this in addition to your annual membership fees

·          You can choose how much to contribute each month

·          Pension contribution collection by IPSE will stop immediately should you allow your IPSE membership to lapse or tell us you wish to cancel the arrangement

·         However, your pension will remain in place and you must deal direct with the pension provider, so you can make your own arrangements

b.       IPSE does not provide financial advice and we recommend you take formal professional advice before making any investment decisions

Full terms and conditions for voluntary pensions can be found here.

 

8.       Contract review service

a.       This service available at a reduced rate for IPSE members (compared to non-members)

Full terms and conditions for Contract review service can be found here. 

 

9.         IPSE Partner offers

a.         As an IPSE Plus member you have access to many money-saving and/or hassle free partner offers. These are offered by third party providers

 

10.       Downloads from the IPSE website

a.         IPSE provides a huge range of helpful advice and information including but not limited to; business templates, toolkits and business contracts

·i          These are used at your own risk and do not replace formal professional advice

·ii         IPSE shall not be held liable for any loss associated with use of these items.

·iii        Please ensure that these items meet your specific requirements before use

 

11.       Event and networking opportunities

a.         IPSE arranges frequent events, seminars, networking opportunities and webinars

b.         These are generally free to members, but IPSE reserves the right to charge additional fees where necessary for both members and non-members.  Any charges will be made clear prior to signing up for the event.

 

12.       Updates to Terms and Conditions

The terms and conditions at time of joining are applicable until the anniversary of your membership, at which time any new terms and conditions will become applicable.

 

Your IPSE Standard Membership Benefits

This document should be read in conjunction with the IPSE General Terms & Conditions

For all compensation claims there must be a written contract in place and the End Client must be based in the UK. 

 

1.         Tax and Vat Helplines

a.         You may call the tax helpline during working hours and they’ll try to provide general guidance which addresses your question. No written advice can be provided.

b.         The helpline numbers are available on our website to logged-in members only.

Full Tax & VAT helpline terms and conditions can be found here.

 

2.         Legal Helplines

a.          You may call the legal helpline 24/7 and they’ll try to provide general guidance which addresses your question.

A full service summary can be found here.

 

3.         Investigation Representation Service

a.         IPSE will provide you with dedicated contact details for our providers. If tax investigation representation is necessary, upon contact with our provider, you will be assigned an expert representative by them who will handle your case.

b.         IPSE and its providers shall not be liable to provide indemnity hereunder in respect of any claim made, brought or commenced outside the Territorial limits. The territorial limits are England, Scotland, Wales and Northern Ireland.

c.          If you have entered a loan arrangement, these fall outside of the Tax investigation service.

d.         Members must not initiate response to investigation or attend compliance visit until contact has been made with Markel tax and further actions have been approved.

Full investigation representation terms and conditions can be found here.

 

4.         Voluntary Life Assurance

a.         All full IPSE members can also arrange to top-up their life assurance to a maximum sum insured of £255,000 (including the £5,000 which forms part of your Plus membership package)

·         This is done via the IPSE website

·         IPSE will collect premiums from you for this in addition to your annual membership fees

·         Premiums vary with age and will increase as you get older, as well as any inflationary price increases

·         Voluntary life assurance will stop immediately should you allow your IPSE membership to lapse or your payments are cancelled by you

Full terms and conditions for voluntary Life Assurance can be found here.

 

5.         Voluntary IPSE Pension

a.        Most full IPSE members can also arrange invest in a pension at market-beating rates

·         This is done via the IPSE website

·         IPSE will collect pension contributions from you for - this in addition to your annual membership fees

·         You can choose how much to contribute each month

·         Pension contribution collection by IPSE will stop immediately should you allow your IPSE membership to lapse or tell us you wish to cancel the arrangement

·         However, your pension will remain in place and you must deal direct with the pension provider, so you can make your own arrangements

b.         IPSE does not provide financial advice and we recommend you take formal professional advice before making any investment decisions

Full terms and conditions for voluntary pensions can be found here.

 

6.         Contract review service

a.         This service available at a reduced rate for IPSE members (compared to non-members)

Full terms and conditions for Contract review service can be found here.

7.         IPSE Partner offers

a.         As an IPSE Plus member you have access to many money-saving and/or hassle free partner offers. These are offered by third party providers

 

8.         Downloads from the IPSE website

a.         IPSE provides a huge range of helpful advice and information including but not limited to; business templates, toolkits and business contracts

·i         These are used at your own risk and do not replace formal professional advice

·ii         IPSE shall not be held liable for any loss associated with use of these items.

·iii        Please ensure that these items meet your specific requirements before use

 

9.         Event and networking opportunities

a.         IPSE arranges frequent events, seminars, networking opportunities and webinars

b.         These are generally free to members, but IPSE reserves the right to charge additional fees where necessary for both members and non-members.  Any charges will be made clear prior to signing up for the event.

 

10.       Updates to Terms and Conditions

The terms and conditions at time of joining are applicable until the anniversary of your membership, at which time any new terms and conditions will become applicable.

 

Your IPSE Student Membership Benefits

This document should be read in conjunction with the IPSE General Terms & Conditions. Please note the following amendments supersede those in IPSE general membership terms and conditions where membership type is IPSE Student membership.

• Student membership of IPSE is for annual periods, one year at a time, and starts the day we receive a valid application and valid payment details or valid discount code from you. Renewal is automatic where payment details are provided, and IPSE Student members must contact IPSE’s membership team to cancel renewal of their membership. Where payment is made via the university and student received an access code, the student must contact their university for a new code each year, where eligible.
• IPSE Student members are not eligible to pay by monthly Direct Debit. Membership must be paid in full annually.
• No clauses referring to monthly payments are applicable to the IPSE Student membership.

 

Eligibility of IPSE Student membership

• IPSE Student members must be a current student at a University, Higher Education College, Further Education College, or have graduated within the past 12 months – unless you have been provided with a University discount code.
• If IPSE establishes that you do not meet the criteria as indicated in the terms and conditions and IPSE Student membership criteria, IPSE reserves the right to withdraw student membership without refunding payment.

 

IPSE Partner offers

• As an IPSE Student member, you have access to many money-saving and/or hassle free partner offers. Valid partner offers are outlined on IPSE’s website - https://www.ipse.co.uk/partners/partner.html  
• IPSE strives to constantly improve and add to these offers and you should check the IPSE website regularly to find new IPSE Partner offerings

 

  Downloads from the IPSE website

• IPSE provides a huge range of helpful advice and information including but not limited to; business templates, toolkits and business contracts

1. These are used at your own risk and do not replace formal professional advice
2. IPSE shall not be held liable for any loss associated with use of these items.
3. Please ensure that these items meet your specific requirements before use.

Right to vote

•  IPSE student members retain the right to vote in IPSE elections for the duration of their membership.

 

Event and networking opportunities

• IPSE arranges frequent events, seminars, networking opportunities and webinars
• These are generally free to members, but IPSE reserves the right to charge additional fees where necessary for both members and non-members.  Any charges will be made clear prior to signing up for the event.

 

Discounts on higher levels of membership

• IPSE Student members are eligible to receive a 25% discount on higher levels of IPSE membership.

 

University discount codes

• Discount codes provided to students by IPSE University Partners can only be applied to memberships at time of purchase, and no discount or refund will be applied retrospectively.

• If using a membership discount code provided by your education institution you agree for IPSE to share your name, email address and membership commencement date, degree discipline, faculty/department with your institution. 

 

Updates to Terms and Conditions

The terms and conditions at time of joining are applicable until the anniversary of your membership, at which time any new terms and conditions will become applicable.