1. These Terms and Conditions

1.1. 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 4^th Floor, 95 Gresham Street, London, EC2V 7AB. In this Contract we refer to ourselves as “IPSE”, “we”, “us” or “our”.

1.2. By using this Website, 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.

2. Definitions

“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 above.

“Joining Date” is the date you first became a member, or renewed membership after a period of absence.

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

“Membership Fees” means the fees payable by you for your membership with IPSE

“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/

3.1. Membership Levels and Benefits

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

• Community
• Kickstart
• Freelancer
• Umbrella
• Director 

3.1.2. Each level of IPSE membership also has specific membership benefits, which can be found in the benefits table on our website.

3.1.3. Some 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. 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.

3.1.4. By offering the services of our Partners, we make no endorsements of the products and/or services they provide. We encourage all members to do relevant due diligence to ensure the products/services are suitable for you or your business. 

3.1.5. Your membership is on an individual basis, and all benefits are available to you as an individual or as a business owner. This means that the benefits of membership will cover both you and the entity through which you trade (e.g. partnership, limited company or your business activities as a sole trader) whilst that entity is still trading but will not cover any other person on an individual basis.

3.1.6. IPSE reserves the right to amend, modify, or discontinue any product, feature, or service component at any time. We may make minor changes to the product, features, or functionality without notice, which do not significantly impact the quality or performance you expect. We will provide reasonable advance notice of any change that may materially affect the product and explain your options.

3.2. Keep you informed

3.2.1. We will let you know by email of any changes to or problems with your membership.

3.2.2. We will advise you of the Annual General Meetings by email.

3.3. Protect your data

3.3.1. 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).

4. Joining IPSE 

4.1. When you join IPSE

4.1.1. 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”).

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

4.1.3. If you do not want to renew your membership automatically for the following Membership Year you may cancel your membership via the online process or in writing to [email protected] prior to the end of the current Membership Year. If you give notice of your wish to cancel your membership, prior to the end of the Membership Year, the cancellation will become effective only upon the end date of the current Membership Year. 

4.2. Your Membership Fees

4.2.1. The Membership Fees for your level of membership are set out on ‘theWebsite’.

4.2.2. 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).

4.2.3. You must pay your full Membership Fees for each Membership Year, whether you pay the full amount at the start of your annual subscription or whether you pay monthly instalments by Direct Debit.

4.2.4. You can opt to pay annually at the start of your subscription 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.

4.2.5. IPSE reserves the right to reasonably increase the Membership Fees for your level of membership, and such increases will apply on the next renewal of your membership. We will provide a minimum of one month’s notice in the event of an increase in your Membership Fees.

4.2.6. 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.

4.2.7. 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.

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

4.3. If you need to cancel your membership

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

4.3.2. 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.

4.3.4. If you cancel or do not renew your IPSE membership, you’ll lose all your membership rights and benefits. 

4.4. General membership terms

You agree to:

4.4.1. 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.

4.4.2. Not represent yourself as:

• being approved or endorsed by IPSE regarding your business activity; or
• having a trading relationship with or being a supplier of IPSE.

4.4.3. Act always in a professional and courteous manner to all fellow members and employees of IPSE. Do not behave in a discriminatory, threatening or abusive way towards members or IPSE employees. 

4.4.4.  IPSE reserves the right to terminate the membership of anyone that is found to be in breach of clause 4.4.1, 4.4.2 and 4.4.3.

5. Our rights

5.1. Preventing use of the Website

5.1.1. 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.

5.2. Intellectual Property Rights

5.2.1. 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).

5.2.2. None of the material listed 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 sublicensed, 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).

6. Using IPSE’s Website

6.1. From time to time, we may restrict access to some parts or all our website to members.

6.2. 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.

6.3. 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 based on the content, information or materials on our Website.

6.4. We do not guarantee that our Website, or any content on it, will always be available, uninterrupted, or free from bugs or viruses. 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.

6.5.  You must not misuse our Website by introducing malware (viruses, trojans, worms, etc.), attempting unauthorised access, or attacking it (e.g., DoS/DDoS). Such conduct is a criminal offence under the Computer Misuse Act 1990 and will be reported to law enforcement.

7. Limitation of Liability

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

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

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

7.3.1. death or personal injury caused by negligence fraud or fraudulent misrepresentation

7.4. IPSE shall not be liable to you for:

7.4.1. loss of profits.

7.4.2. loss of sales or business, or

7.4.3. indirect or consequential loss.

7.5. Subject to clauses 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.

8. If you need to make a complaint

8.1. If you have a complaint about any aspect of IPSE’s service to you, please email [email protected] and include the below information:

• Your membership number
• Details of the nature of your complaint
• The date and nature of any specific incident
• Any documents you think may be relevant
• What outcome you would like to see

8.2. IPSE will normally respond acknowledging receipt of your complaint within 5 Business Days.

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

8.4. If your complaint is not resolved you may ask us to pass it to the Board of Directors for a final review, whose decision is final.

8.5. Please note that Qdos is responsible for investigating any complaint or concern raised in relation to the membership insurance policy.

8.5.1. In the event that you are dissatisfied with any aspect of the membership insurance policy, or the service provided by Qdos, you may notify us in the first instance by contacting [email protected] and we will promptly forward your details to Qdos

8.5.2. If you wish to notify Qdos directly, you may contact them by:

• sending email to [email protected];
• calling 0116 269 0999; or
• writing to The Nominated Complaints Handler, Qdos, The Grange, Grange Avenue, Rearsby, Leicester, LE7 4FY.

8.5.3. Upon receipt of your complaint, Qdos will provide you with a copy of its complaints process and will confirm their next steps, including the regulatory timescales for their investigation and response. Please forward all complaints to [email protected].

9. General

9.1. Assignment and transfer

9.1.1. You may not assign, transfer, charge, subcontract, declare a trust over or otherwise deal with any of your rights or obligations under this Contract.

9.1.2. IPSE may at any time assign, transfer, charge, subcontract, declare a trust over or otherwise deal with any of its rights or obligations under this Contract, including (without limitation) to any successor body, merged entity, or any entity acquiring all or substantially all of IPSE’s undertaking.

9.1.3. This Contract and the rights conferred by it are personal to you and do not pass to any other person, whether by assignment, operation of law, or otherwise.

9.1.4. Any purported assignment or transfer by you, whether voluntary or by operation of law, is void.

9.2. Entire Agreement

9.2.1. 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,

9.2.2. 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.

9.3. Severance

9.3.1. 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, shall not affect the validity and enforceability of the rest of the Contract.

9.4. Waiver

9.4.1. 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.

9.5. Notices

9.5.1. Any notice given to a party under or in connection with the Contract shall be in sent by email to:

• in the case of IPSE: [email protected]
• in the case of the member: to the email address provided by the member

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

• 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. Business hours mean 9.00am to 5.00pm Monday to Friday on a day that is not a public holiday in the place of receipt

9.6. Third Party Rights

9.6.1. 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.

9.7. Force Majeure

9.7.1. 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.

9.8. Law and Jurisdiction

9.8.1. 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 and courts of England and Wales.

9.9. Updates to Terms and Conditions

9.9.1. We may amend these terms and conditions, and the Services available to members, from time to time. Members, will be notify 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)

10. Contact Details

10.1. If you need to get in contact with us (other than to provide notice to us), then you can contact us:

• By telephone: 020 8897 9970 (lines are open Monday to Friday, 9am to 5pm, excluding UK bank holidays)
• By email: [email protected] 

Schedule 1. Membership Levels and Membership Benefits

This schedule sets out the high-level membership benefits offered by IPSE. To view the Insurance Product Information Document (IPID) which contains the detailed information relevant to your membership as well as the Full Policy Wording please go to your member portal. 

Note in relation to the IPSE Membership Insurance policy, IPSE is an Appointed Representative of Qdos Broker and Underwriting Services Limited.  Qdos Broker and Underwriting Services Limited is authorised and regulated by the Financial Conduct Authority (Firm Reference Number: 460886).  This information can be checked on the Financial Services Register at https://register.fca.org.uk/s/

Section 1. Memberships 

IPSE offers the following memberships:

• Community
• Kickstart
• Freelancer
• Umbrella
• Director

Community membership 

This membership contains the following core benefits (note that these benefits are provided for all memberships levels): 

• Telephone Advice Lines: Tax, VAT and legal guidance.
• Contract Review Services
  • Free IR35 Contract Review
  • Discounted Contract Health Check
• IPSE Partner Offers: Savings across insurance, finance, services and tech.
• IPSE Rewards: Discounts and cashback from major UK brands.
• The Business Hub: 24/7 access to guides, checklists, business and contract templates and other useful documents.
• AndCo: Free workspace & discounted meeting rooms (waiting period applies).
• Events & Networking: Webinars, workshops and community events.
• IPSE Community Hub: Connect with other members.

1-to-1 Success Sessions: Personalised business support.

Kickstart Membership

• Core Member Benefits (listed under ‘Community membership’, above)
• Sickness Insurance: £1,500 any one claim and in the annual aggregate

For further information regarding the insurance benefits provided under Kickstart Membership, please refer to the Insurance Product Information Document (IPID) and Full Policy Wording available in your member portal.

Freelancer Membership

• Core Member Benefits (listed under ‘Community membership’, above)
• Sickness Insurance: £1,500 any one claim and in the annual aggregate
• Jury Service Cover: Up to £250/day (maximum of £2,500 per claim)
• Tax Protection: £50,000 any one claim and in the annual aggregate
• Legal Protection: £50,000 any one claim and in the annual aggregate
• Contract Failure: £1,000 any one claim and in the annual aggregate

For further information regarding the insurance benefits provided under Freelancer Membership, please refer to the Insurance Product Information Document (IPID) and Full Policy Wording available in your member portal.

Umbrella Membership

• Core Member Benefits (listed under ‘Community membership’, above)
• Jury Service Cover: Up to £250/day (maximum of £2,500 per claim)
• Tax Protection: £50,000 any one claim and in the annual aggregate
• Legal Protection: £50,000 any one claim and in the annual aggregate
• Umbrella Company Failure: £3,000 any one claim and in the annual aggregate

For further information regarding the insurance benefits provided under Umbrella Membership, please refer to the Insurance Product Information Document (IPID) and Full Policy Wording available in your member portal.

Director Membership 

• Core Member Benefits (listed under ‘Community membership’, above)
• Sickness Insurance: £2,000 any one claim and in the annual aggregate
• Jury Service Cover: Up to £500/day (maximum of £5,000 per claim)
• Tax Protection: £100,000 any one claim and in the annual aggregate
• Legal Protection: £50,000 any one claim and in the annual aggregate
• Agency or Client Failure: £10,000 any one claim and in the annual aggregate
• Contract Failure: £1,000 any one claim and in the annual aggregate

For further information regarding the insurance benefits provided under Director Membership, please refer to the Insurance Product Information Document (IPID) and Full Policy Wording available in your member portal.

2. Telephone advice line

2.1. You may call the telephone advice line during operating hours and advisors will provide general guidance which addresses your question. No written advice can be provided.

2.2. The helpline numbers are available on our website and within the member portal to logged-in members only.

2.3. Full terms and conditions applicable for the telephone advice line can be found at Appendix 1.

3. Contract review services

IR35 Contract Review

3.1. The IR35 Contract Review service is a detailed review to help you understand whether your contract and working practices place you inside or outside IR35.  The service includes the following: 

• Working Practices Assessment
• Review of Contractual Terms
• Clear, Actionable Recommendations

3.2. The IR35 Contract Review service is available free of charge for IPSE members based on the standard 3 days turnaround time. Same day or next day services are available for an additional fee. The correct price at the time of purchase can be found on the contract review webpage or in the member portal. 

Contract Health Check

3.3 The Contract Health Check service provides a broader commercial review for members who want complete confidence in their agreement before signing.  The service includes the following:

• Analysis of contract terms
• Review of commercial provisions
• Assessment of termination clauses
• Check of insurance requirements
• Review of indemnity provisions

3.4. The Contract Health Check is available on a 5-day turnaround service to members with a 20% discount off the retail price. The correct price at the time of purchase can be found on the contract review webpage or in the member portal. 

3.5. Full terms and conditions applicable for the IR35 Contract Review and Contract Health Check services will be issued by IPSE at the point when the service is requested.

4. IPSE Partner Offers

4.1. As an IPSE member you have access to product and service offers from our partners. All offers can be found on the respective Partner page or on the IPSE Marketplace. In all cases, IPSE acts as an introducer for the partner and has no authority or ability to negotiate or vary the terms of the services, or to enter into any contract on behalf of the partner.

5. IPSE Rewards

5.1. IPSE Rewards is offered by the third-party website BHSF. IPSE & BHSF reserve the right to remove anyone from the platform if they are found to be abusing the service.

5.2. BHSF reserve the right to add and remove discounts in-line with their contractual terms and conditions they set with retailers advertising on the platform. 

5.3. There is a minimum 2 week waiting period to use this benefit.

5.4. Access to this benefit is via the member portal.

6. The Business Hub

6.1.  The Business Hub is a curated library of essential templates and guidance designed to support self-employed professionals with everyday business, tax, and compliance needs.

6.2. The Business Hub is available on our website to logged-in members only.

6.3. Full terms and conditions applicable for the Business Hub can be found at Appendix 2.

7. Co-working

7.1. IPSE members are entitled to free, unlimited co-working space via Andco while they have an active membership. IPSE members also receive discounted rates when booking meeting rooms via AndCo.

7.2. Members must signup via the AndCo website, inputting their membership number to receive the benefit free of charge.

7.3. IPSE and AndCo reserve the right to remove this benefit from a member found to be abusing the service or where a complaint from a venue partner is received.

7.4. This benefit becomes inactive when you cancel your IPSE membership

7.5. There is a 2-week waiting period to use this benefit. If you need to use it immediately then members should sign up for the free 14 days trial on the AndCo website. Before the 14 days has expired members will need to add their membership number into their profile to ensure they are not charged for using the service ongoing. Please see AndCo’s site for their full T&C’s https://www.andco.life/terms 

8. Event and networking opportunities

8.1. IPSE arranges events, networking opportunities and webinars which can be found on the IPSE website. 

8.2. We will also email members about some of the upcoming events. We state on the individual event page if an event is free or paid or member only. 

8.3. If a ticket is purchased and the purchaser can no longer attend, we do not offer a refund. 

8.4. Where a chargeable event has been cancelled by IPSE, in the first instance we will look to reschedule the event. If the event cannot be rescheduled, then a full refund will be issued within 45 days. 

8.5. Occasionally there may be instances where there are different cancellation or refund terms, when this happens the terms will be clearly advertised on the event page relating to that specific event or within the confirmation email. Those terms supersede these general terms and conditions.

9. 1-2-1 Success Sessions

9.1. To book a Success Session you need to fill in the form on the Success Session webpage. By booking a success session you are giving permission for your email/contact number to be shared with the "expert" taking part in the session. 

9.2. Calls should last no longer than 30 minutes unless the ‘expert’ has indicated they are happy to allocate more time.

9.3. The views, information, guidance or opinions expressed during the 1-2-1 Sessions are solely those of the individuals involved. IPSE is not liable for any damages resulting from the use of the information.

9.4. We operate a fair use policy with our success sessions, ‘experts’ reserve the right to decline a session if they are being overused. 

9.5. Many of the ‘experts’ will provide additional paid for services, members should not expect to have more than one complimentary session. If the member wishes to engage in the paid consultancy of the ’expert’, then these contractual terms should be undertaken directly with the ‘expert’. 

10. Community Hub 

10.1. If you use the Community Hub provided by IPSE you must follow the ’IPSE Community Rules’: 

• Be Respectful: Treat all members with courtesy. Discrimination, harassment, or offensive behaviour will not be tolerated.
• Keep It Professional: This is a space for professionals. Please maintain a constructive tone in all discussions.
• Stay On Topic: Use the relevant channels for your discussions (e.g., events, resources, support). This helps keep the community clear and easy to navigate.
• No Spam or Unsolicited Promotion: Please avoid spamming messages, self-promotion, or advertising products/services without prior approval from the IPSE team.
• Protect Confidentiality: Do not share sensitive personal, client, or business information. Respect others’ privacy at all times.
• Use Support Channels for Help: If you need assistance, please use the ticket system or dedicated support channels so we can resolve issues efficiently. ⁠
• Follow Discord’s Guidelines: All members must adhere to the Discord Community Guidelines and Terms of Service
• Moderation: The IPSE team reserves the right to remove content or members that break these rules or disrupt the community.

Appendix 1. Telephone advice line

IPSE members can use the telephone advice lines to access guidance around some of the topics below. Please note that this is not an exhaustive list:​​ 

• Any contact from HM Revenue & Customs that isn't clear​​
• Any contracts governing your engagements​​
• IR35
• UK tax queries such as income tax, Corporation Tax, CGT, IHT, PAYE, IR35, NIC and VAT matters, as well as advice and guidance on dealing with investigations.​ 

Legal queries such as: 

• Commercial advice: Providing members with​ details of relevant and current legislation in respect of any guidance you may need on matters such as:​​
• Intellectual Property​​
• Small claims court procedures ​​
• Business tenancies​​
• Debt recovery​​
• Dealing with complaint letters (asserting rights) ​​
• Dealing with statutory demands​​ 

Employment advice such as: 

• Recruitment​​
• Discrimination​​
• Appraisal and disciplinary procedures​​ 

Helpline operating hours 

• Tax and VAT helpline: 9am to 5pm, Monday to Friday (excluding Bank Holidays). ​​
• IR35 helpline: 9am to 5pm, Monday to Friday (excluding Bank Holidays). ​​
• Legal helpline: 9am to 8pm, Monday to Friday; Saturday 10am to 6pm (including Bank Holidays).

Service standards
Wherever possible calls will be put through to an advisor and dealt with immediately.

Where this is not possible due to call volumes, the member may choose to leave a message and the advice line service provider will endeavour to return the member’s call within 24 hours (except for calls made on a Saturday, where calls will be returned no later than 17:00 the following Monday).

Reporting
In order to ensure that both service standards are maintained and that the service meets members’ needs, Partners provide IPSE with monthly statistics, which include frequency and categorisation of calls, but details of the caller remain anonymous and confidential and shall only be shared at the specific request of the member; for example in the event of a claim or complaint.

Call recording
Please note that calls to the advice line may be recorded for training and quality purposes.

Appendix 2. The Business Hub

The Business Hub is a curated library of essential templates and guidance designed to support self-employed professionals with everyday business, tax, and compliance needs. Curated by IPSE, the hub provides members with access to a growing collection of practical documents.

1. General

1.1. These terms govern your use of the Business Hub (“the Hub”). By accessing or using the Hub, you agree to be bound by them.

1.2. If you do not agree to these terms, you must not use the Business Hub.

2. Access to the Hub

2.1. We aim to ensure the Hub is available and functioning correctly, but we do not guarantee uninterrupted access. We may suspend, withdraw, or change any part of the Hub at any time without notice.

2.4. The Hub is intended for users in the United Kingdom. If you access it from outside the United Kingdom, you do so at your own risk and are responsible for compliance with local laws.

3. No Legal Advice

3.1. The Hub provides general information only. It does not constitute legal or professional advice.

3.2. You should obtain independent legal or professional advice before acting on any information from the Hub.

4. Intellectual Property

4.1. All rights in the Hub and its content (including designs, documents and materials) are owned by or licensed by us.

4.2. You must not copy, distribute, adapt, modify, publish, sell or otherwise use any Hub content for commercial purposes.

4.3. If you breach these terms, your right to use the Hub ends immediately and you must delete or return any copies of materials you hold.

5. Prohibited Use

5.1. You must not use the Hub:

5.1.1. for any unlawful or fraudulent purpose;

5.1.2. in breach of any applicable law or regulation;

5.1.3. to transmit malware or any harmful code;

6. Suspension and Termination

6.1. If we believe you have breached these terms, we may take any action we consider appropriate, including:

6.1.1. suspending or permanently removing your access to the Hub;

6.1.2. removing material you have uploaded;

6.1.3. issuing warnings;

6.1.4. taking legal action to recover losses; or

6.1.5. reporting matters to law-enforcement authorities.

6.2. We are not liable for any loss arising from actions taken in response to your breach.

7. Monitoring

7.1. We may monitor your use of the Hub in accordance with our Privacy Policy and Cookies Policy for internal business purposes and to meet regulatory obligations.

8. Indemnity

8.1. You agree to indemnify us for all losses, damages, costs and expenses (including reasonable legal fees) arising from your misuse of the Hub or breach of these terms.