Terms and Conditions

1. About Us and Our Services

Your NHS Pension is a trading name of Far From Surgical Solutions Ltd, a company registered in England and Wales.

In these terms, “we”, “us” or “our” refers to Your NHS Pension / Far From Surgical Solutions Ltd.

You can find information about our services on our website or by contacting us directly. Key details will be confirmed to you in writing (by email, within your account, or otherwise) before or after you place an order.

2. When You Purchase from Us

By placing an order, you agree that:

  • We only accept your order once we have reviewed and confirmed it

  • We may decline orders in certain circumstances

  • Payment is required at the time of ordering (or as agreed)

  • Interest may be charged on late payments

  • VAT changes may be passed on where applicable

  • We are not responsible for delays outside our control

  • You are responsible for providing accurate information

  • Additional charges may apply if required information is not provided

  • You have legal rights to cancel (see below)

  • You have rights if there is an issue with your service

  • We may update or change our services and terms

  • We may suspend or withdraw services in certain circumstances

  • Our liability is limited (see section below)

  • Your personal data is handled in accordance with our Privacy Notice

3. Order Acceptance

We will confirm receipt of your order and will usually confirm acceptance within 10–15 working days.

4. Order Rejection

We may decline an order, for example:

  • If we cannot verify your details

  • If the service is unavailable or mispriced

  • If you are located outside the UK

If this happens, we will notify you and refund any payments made.

5. Payment Terms

Payment is typically taken when your order is accepted.

For certain services, payments may be taken in stages or at agreed intervals.

Late Payments

If payment is overdue, we may charge interest at 4% above the Bank of England base rate, calculated daily.

6. VAT

If VAT rates change between your order and delivery, we may adjust the amount payable unless full payment has already been made.

7. Delays Outside Our Control

We are not responsible for delays caused by external factors (e.g. delays from NHS pension administrators).

If delays occur:

  • We will inform you as soon as possible

  • We will take reasonable steps to minimise disruption

If delays are substantial, you may cancel and receive a refund for services not yet delivered.

8. Your Responsibilities

You must:

  • Provide accurate and complete information

  • Supply requested documents in a timely manner

We may charge additional fees if delays or extra work arise due to missing or incorrect information.

9. Your Right to Cancel

You have a 14-day cooling-off period from the date your order is confirmed.

However:

  • This right is lost once the service has been fully delivered

  • You must pay for any work completed before cancellation

How to Cancel

Contact us at:
admin@yournhspension.com

Refunds will be issued within 14 days using your original payment method.

10. Goodwill Guarantee

In addition to your legal rights, we may offer a discretionary cancellation period up to:

  • Completion of analysis, or

  • 30 days (whichever is sooner)

This does not affect your statutory rights.

11. Service Quality

Under the Consumer Rights Act 2015, services must:

  • Be carried out with reasonable care and skill

  • Be delivered within a reasonable time

  • Be reasonably priced (if not agreed in advance)

If there is an issue, we will:

  • Correct or repeat the service where possible

  • Offer a refund where appropriate

12. Changes to Services

We may update services:

  • To reflect legal or regulatory changes

  • To make minor improvements

If significant changes occur, we will notify you and allow you to cancel if required.

13. Suspension or Withdrawal of Services

We may suspend services to:

  • Resolve technical issues

  • Comply with legal obligations

  • Implement updates

If services are suspended for an extended period:

  • Fees may be adjusted

  • You may cancel and receive a refund for undelivered services

We may withdraw services with at least 1 month’s notice.

14. Ending the Contract

We may terminate the contract if:

  • Payment is not made within 30 days of reminder

  • Required information is not provided

You may terminate ongoing services as outlined during the purchase process.

15. Limitation of Liability

We are responsible for losses caused by our breach of contract, except where losses are:

  • Not foreseeable

  • Caused by events outside our control

  • Avoidable by reasonable action

  • Related to business use

  • Based on reliance on our services as financial advice

Important:
Our services provide technical pension analysis only and do not constitute financial advice.

Our liability is limited to the fees paid for the service, except where liability cannot legally be excluded.

16. Data Protection

We use your personal data in accordance with our Privacy Notice, available on our website.

17. Complaints and Dispute Resolution

If you have a complaint, please contact us at:
admin@yournhspension.com

We will aim to resolve issues promptly.

You may also use alternative dispute resolution services such as the Centre for Effective Dispute Resolution (CEDR).

18. Governing Law

These terms are governed by English law.

You may bring claims in:

  • England

  • Or your local UK jurisdiction (Scotland, Wales, Northern Ireland)

19. Other Important Terms

  • We may transfer our obligations to another organisation (your rights will not be affected)

  • You may only transfer your contract with our consent

  • This contract is between you and us only

  • If part of these terms is invalid, the rest remain enforceable

  • Delay in enforcing rights does not prevent future enforcement