Terms and Conditions

 

Please click below to read the General terms and conditions as well as those relating to your membership level

IPSE General Terms and Conditions

IPSE General Terms and Conditions

This document should be read in conjunction with the Terms and Conditions relating to your IPSE membership level.

 

What IPSE will do for you

 

1.         Policy and Representation

a.         We’ll give members a voice with Government at all levels, promote the value of self-employment, bring forward policies 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.         Research, Education and Training

a.         We’ll ensure that we’re at the forefront of research into the field of self- employment

b.         We’ll ensure that we find and promote the best offers for personal development and skills training for our members

 

3.         Commercial Development

a.         We’ll bring you the best offers we can to assist you in your business and at home, such as access to banking, mortgages, business tools, discounted products

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

c.         We’ll help you save for the future by offering you the opportunity to put money aside for rainy days or retirement at the best available rates. We’ll help protect your family by making sure you have access to life insurance at rates well below what you could find in the retail market.

 

4.         Member Benefits

a.         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 when you join IPSE.

 

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 that way

 

6.         Protect your data

IPSE takes data protection seriously and have updated all policies in line with the 2018 GDPR (General Data Protection Regulations). Please see IPSE’s detailed Privacy Policy for a complete explanation of how we protect and use your data, but we won’t share your personal data with any third-party except where we need to do this to provide you with any of the services you’re eligible for as part of your membership of IPSE

 

What IPSE asks of you

 

7.         When you join IPSE

a.         Unless we tell you otherwise in the terms and conditions specific to your chosen membership level your membership of IPSE is an annual membership

b.         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

c.         If you cancel your IPSE membership you’ll lose all your membership rights and benefits and we’ll also have to cancel any payments you make for life assurance as well as cancelling your life assurance policy.

d.         If you’ve arranged your pensions via IPSE Futures we also have to cancel our arrangement with you to collect your contributions but we’ll tell you by email how to carry on making pension contributions direct to your pension provider.

 

8.         Your membership fees

a.         Your 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 from you; membership renews automatically on each anniversary of your joining date

b.         Membership fees become due in full immediately on joining IPSE and become due in full annually on the anniversary of that date

c.         You must pay your full membership subscription each year

d.         You can opt to pay annually by either Direct Debit or credit/debit card or chose to pay monthly by Direct Debit. If you choose to pay monthly the unpaid balance of your membership fee for the rest of the year remains due regardless of any circumstance other than your death

e.         If you cancel without notice or cancel part of the way through your membership year, or fail to pay your subscription, you may lose all your membership rights and benefits and IPSE will still be entitled to recover any outstanding fees from you in full

f.          If you pay monthly and cancel your payment without giving us proper notice or an alternative method of payment, or your payment fails for any reason, all sums due to us will become payable immediately and we will ask you to pay in full

g.         Membership fees are non-refundable under any circumstances

 

9.         If you need to cancel your membership

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

a.         If you do not wish to renew your membership after your current years’ membership ends, you may cancel by giving us not less than one calendar months’ notice in writing or by calling the membership team in advance of your renewal date. (We will contact you 45 days in advance of your renewal date as a reminder)

b.         Cancellation without proper notice will only be effective from the next anniversary of your renewal date and you will be required to pay the current year’s subscription or any outstanding balance thereof immediately and in full

c.         In the event of IPSE receiving confirmed notification of your death we will automatically cancel your membership and refund any outstanding fees to the account from which we received payment

 

 

10.       Be bound by IPSE’s Code of Conduct

You agree to:

a.         Comply with IPSE’s Articles of Association which are available on the IPSE website for you to 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:

·         being approved or endorsed by IPSE regarding your business activity

·         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 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 and civil partnership, pregnancy and maternity, race (including colour, nationality and ethnic or national origins), religion or belief, sex or sexual orientation

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

 

11.       When using IPSE’s website

a.         Neither IPSE nor any third parties provide any form of warranty or guarantee as to the accuracy, timeliness, completeness or suitability of the information and 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.

b.         Information on the website is owned by IPSE and reproduction is prohibited unless prior written authorisation has been obtained from IPSE.

c.         The website may provide links to third party sites, they are not an indication of endorsement and IPSE are not responsible for the content of the linked website

d.         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

 

12.       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 24 business hours

c.         IPSE will try to resolve your complaint to your satisfaction within seven working days

d.         If your complaint isn’t resolved you may ask us to pass it to the Board of Directors for a final review and this will be done within 14 working days

e.         The decision of the Board of Directors is final unless you believe that IPSE has not conformed to statute, in which case you may choose to seek any remedy available to you under the law

 

13.       Jurisdiction

All of IPSE’s services and our contracts with you are exclusively subject to the laws and Courts of England and Wales

 

14.       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.

 

Last Updated: 21 May 2018

IPSE Plus Membership Terms

Your IPSE Plus Membership Benefits

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

 

1.         Tax and Legal Helplines

a.         You may call the tax helpline during working hours and they’ll try to provide general guidance which addresses your question. They cannot

·         Accept or review any documentation

·         Provide a replacement for full professional advice

·         Guarantee that the guidance they give is a definitive answer to your query

b.         You may call the legal helpline 24/7 and they’ll try to provide general guidance which addresses your question. They cannot

·         Accept or review any documentation

·         Provide a replacement for full professional advice

·         Guarantee that the guidance they give is a definitive answer to your query

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

 

2.         Tax 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.         The cost of professional fees to represent you will be covered by IPSE up to a maximum total of £75,000 for each entirely separate case

c.         You should contact IPSE to request tax representation in regard to:

i.          Pre dispute; if HMRC are to undertake a review of your PAYE, VAT or Tax records. In the form of proposed Employer Compliance Visits, VAT Visit or Check of Employer records (or similar,) letter.

·         IPSE’s providers will support you in preparation of response and letters required by HMRC.

·         Support and representation up to and including any tribunal.

·         If HMRC remain unsatisfied with tax record and an enquiry is opened you will receive tax investigation representation as outlined below.

ii.          Any S660 Enquiry regardless of the source.

iii.         Issue of a S9A or S12AC TMA 1970 for income tax self-assessment with a request to examine all of the business books and records or with enquiries into specific aspects.

iv.        Issue of the Notice under Paragraph 24(1) Schedule 18 Finance Act 1998 for Corporation Tax Self Assessment together with a request to examine all of the business books and records.

v.         Employer Compliance Disputes ( PAYE, P11D and NIC): where there is a prospect of disputing the alleged liabilities.

vi.        HM Revenue & Customs VAT Disputes: and/or Value Added Tax default surcharges and misdeclaration penalties, providing there is a prospect of disputing the alleged VAT liabilities.

vii.        IR35 Disputes where HMRC are disputing the IR35 declaration following either the issue of a Notice under Paragraph 24(1) Schedule 18 Finance Act 1998 or an HMRC Compliance visit. However, there must be a written Contract for Services in respect of the liabilities that are being disputed and the real arrangements do not significantly conflict with the contractual arrangements on status-relevant matters. The Contract must also have been strictly followed and there must be a reasonable prospect of successfully contesting the Revenue's allegations. 

viii.       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.

d.         Excluded from the service

·         Investigations and disputes open at the time of joining IPSE, or those that you are aware of impending (I.e. if joining occurs after receipt of first correspondence from HMRC on the relevant matter.)

·         Investigation and disputes after cessation of membership or those initiated during a gap in membership (if renewal is not instated immediately after subscription ends.)

·         Any fees incurred by you prior to IPSE’s written acceptance of claim.

·         Claims arising from submission of files to relevant authorities outside the time parameters set out in Taxes Management Act 1970.

·         Tax planning arrangements where HMRC has allocated a Disclosure of Tax Avoidance Scheme (DOTAS) Number and any matter relating to bespoke tax planning outside of the normal trade such as film partnerships or film schemes, or planning involving artificially created losses or loan arrangements.

·         Special Civil Investigations, HMRC Customs & Excise Investigations Division cases and criminal investigations and enquiries issued under Code of Practice 8 (issued in respect of tax evasion) or Code of Practice 9 (issued in respect of suspected fraud).

 

3.         Jury Service Compensation

a.         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

·         If your daily contract rate is lower than £500 per day, then the most we’ll pay is your contract rate up to a maximum of £5000

·         If your daily contract rate is higher than £500 per day, then the most we’ll pay is £500 per day up to a maximum of £5000

b.         You must have been an IPSE Plus member for more than 60 days and received the jury service notice after you joined IPSE

c.         Any compensation, expense or allowance you receive from the Court will be deducted from the compensation amount prior to payment

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

 

4.         Client or agency failure compensation

a.         If your client or agency fails (goes bust, 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.

b.         The maximum amount per claim under this policy shall be limited to:

·         Business Failure of the Agency per individual claim - £10,000.

·         Business Failure of any one Agency – all claims £100,000

·         Business failure of the Client per individual claim - £10,000

c.         In order to clarify the above, IPSE’s aggregate limit of £500,000 covers all claims made in any one period of insurance (January-December),

d.         There is an aggregate limit per individual agency of £100,000 which operates as follows:

·         If an agency was to fail with 50 IPSE Plus members facing financial loss, then the maximum compensation for each individual member would be £2,000

·         If an agency was to fail with 100 IPSE Plus members facing financial loss, then the maximum compensation for each individual member would be £1,000

·         When the full aggregate limit has been reached, no further claims would be accepted.

e.         You assign the right to pursue the original debt to IPSE or it’s agents

 

5.         Failure of an Agency to honour contractual arrangements

a.         If an agency cancels your contract before you start work IPSE will pay you compensation of £1,000 provided that

·         The contract had been signed by both parties

·         The reason for cancellation excludes any form of misrepresentation on the part of the IPSE member

·         The reason for cancellation excludes any form of disqualification of the IPSE member due to:-

o   Failure of identity verification checks

o   Failure of other background checks including but not limited to credit, CRB and DBS checks

o   Failure to prove you have the right to work in the United Kingdom

 

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

a.         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 provided that

·         You’re engaged in a contract for the whole duration of the illness/injury (i.e. you have actually suffered a financial loss)

·         You provide documentary evidence of the illness or injury in the form of a fit note from your GP or a hospital doctor

·         The illness/injury wasn’t a pre-existing condition

·         You have been an IPSE Plus member for more than 60 days

b.         If your daily contract rate is lower than £200 per day, then the most we’ll pay is your contract rate up to a maximum of £2000

c.         If your daily contract rate is higher than £200 per day, then the most we’ll pay is £200 per day up to a maximum of £2000

 

7.         Meetings with HMRC or your Designated Representative

a.         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 provided that

·         Your assigned designated representative agrees in writing, in advance that the meeting is necessary and that you should attend

·         You’re engaged in a contract and have lost revenue as a result of attending the meeting (i.e. you have actually suffered a financial loss)

b.         If your daily contract rate is lower than £500 per day, then the most we’ll pay is your contract rate up to a maximum of £500

c.         If your daily contract rate is higher than £500 per day, then the most we’ll pay is £500 per day up to a maximum of £500

 

8.         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

c.         Further detailed terms and conditions apply to this benefit and these are available on the IPSE website

 

9.         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

b.         Further detailed terms and conditions apply to this benefit and these are available on the IPSE website

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

 

10.       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 IPSE will tell you how to 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

c.         Further detailed terms and conditions apply to this benefit and these are available on the IPSE website

 

11.       IPSE Partner offers

a.         As an IPSE Plus member you have access to many money-saving and/or hassle free partner offers including

·         IPSE Rewards – online savings from many high street retailers and other service providers

·         Close Brothers – financial/wealth management advice

·         Hitachi Vehicle Leasing – discounts on car leasing at advantageous rates

b.         IPSE strives to constantly improve and add to these offers and you should check the IPSE website regularly to find new IPSE Partner offerings

 

12.       Contract review service

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

·         Your contract review submission must completed while logged into the IPSE website for you to benefit from the reduced rates

·         Contract reviews are subject to payment to IPSE of the relevant fee and this must be made at the time of submission

b.         Please see the specific terms and conditions for this service.

 

13.       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

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

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

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

 

14.       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.

 

15.       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.

 

Last Updated: 21 May 2018

IPSE Standard Membership Terms

Your IPSE Standard Membership Benefits

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

1.         Tax and Legal Helplines

a.         You may call the tax helpline during working hours and they’ll try to provide general guidance which addresses your question. They cannot

·         Accept or review any documentation

·         Provide a replacement for full professional advice

·         Guarantee that the guidance they give is a definitive answer to your query

b.         You may call the legal helpline 24/7 and they’ll try to provide general guidance which addresses your question. They cannot

·         Accept or review any documentation

·         Provide a replacement for full professional advice

·         Guarantee that the guidance they give is a definitive answer to your query

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

 

2.         Tax 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.         The cost of professional fees to represent you will be covered by IPSE up to a maximum total of £75,000 for each entirely separate case

c.         You should contact IPSE to request tax representation in regard to:

·         Any S660 Enquiry regardless of the source.

·         Issue of a S9A or S12AC TMA 1970 for income tax self-assessment with a request to examine all of the business books and records or with enquiries into specific aspects.

·         Issue of the Notice under Paragraph 24(1) Schedule 18 Finance Act 1998 for Corporation Tax Self Assessment together with a request to examine all of the business books and records.

·         Employer Compliance Disputes ( PAYE, P11D and NIC): where there is a prospect of disputing the alleged liabilities.

·         HM Revenue & Customs VAT Disputes: and/or Value Added Tax default surcharges and misdeclaration penalties, providing there is a prospect of disputing the alleged VAT liabilities.

·         IR35 Disputes where HMRC are disputing the IR35 declaration following either the issue of a Notice under Paragraph 24(1) Schedule 18 Finance Act 1998 or an HMRC Compliance visit. However, there must be a written Contract for Services in respect of the liabilities that are being disputed and the real arrangements do not significantly conflict with the contractual arrangements on status-relevant matters. The Contract must also have been strictly followed and there must be a reasonable prospect of successfully contesting the Revenue's allegations. 

·         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.

d.         Excluded from the service

·         Investigations and disputes open at the time of joining IPSE, or those that you are aware of impending (I.e. if joining occurs after receipt of first correspondence from HMRC on the relevant matter.)

·         Investigation and disputes after cessation of membership or those initiated during a gap in membership (if renewal is not instated immediately after subscription ends.)

·         Any fees incurred by you prior to IPSE’s written acceptance of claim.

·         Claims arising from submission of files to relevant authorities outside the time parameters set out in Taxes Management Act 1970.

·         Tax planning arrangements where HMRC has allocated a Disclosure of Tax Avoidance Scheme (DOTAS) Number and any matter relating to bespoke tax planning outside of the normal trade such as film partnerships or film schemes, or planning involving artificially created losses or loan arrangements.

·         Special Civil Investigations, HMRC Customs & Excise Investigations Division cases and criminal investigations and enquiries issued under Code of Practice 8 (issued in respect of tax evasion) or Code of Practice 9 (issued in respect of suspected fraud).

 

3.         Voluntary Life Assurance

a.         All full IPSE members can also arrange to top-up their life assurance to a maximum sum insured of £250,000

·         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 or In line with inflationary increases.

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

b.         Further detailed terms and conditions apply to this benefit and these are available on the IPSE website

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

 

4.         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 IPSE will tell you how to 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

c.         Further detailed terms and conditions apply to this benefit and these are available on the IPSE website

 

5.         IPSE Partner offers

a.         As an IPSE Standard member, you have access to many money-saving and/or hassle-free partner offers including

·         IPSE Rewards – online savings from many high street retailers and other service providers

·         Close Brothers – financial/wealth management advice

·         Hitachi Vehicle Leasing – discounts on car leasing at advantageous rates

b.         IPSE strives to constantly improve and add to these offers and you should check the IPSE website regularly to find new IPSE Partner offerings

 

6.         Contract review service

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

·         Your contract review submission must completed while logged into the IPSE website in order for you to benefit from the reduced rates

·         Contract reviews are subject to payment to IPSE of the relevant fee and this must be made at the time of submission

b.         Please see the specific terms and conditions for this service.

 

7.         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

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

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

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

 

8.         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 Ir fees will be clearly stated prior to signing up for the event.

 

7.         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.

 

Last Updated: 21 May 2018