Privacy and Cookies Policies

Privacy Policy

The trustee (the Trustee) of the University of Manchester Superannuation Scheme (the Scheme) is responsible for the governance and management of the Scheme, which includes ensuring both we, and our advisers, are responsible for compliance with legislation, including data protection legislation. Data protection legislation is extremely important to ensure that personal information is kept securely and used only for the right purpose.

From 25 May 2018, the law will be changing to tighten further the protection of personal data. This doesn't just apply to pension schemes; it applies to each company and organisation in Europe that has access to personal data.

This policy explains:

  • What we mean by personal data;
  • What information the Trustee may collect from or about you;
  • What the Trustee uses your information for;
  • Who the Trustee may share your information with. The personal data that our advisers hold is never sold on to other organisations and is never used so that other organisations can sell you their product or services;
  • Your rights regarding the personal information you provide to us.

What we mean by personal data

By personal data we mean data relating to an individual by which they can be identified; for example your date of birth and address.

Information we collect from or about you

The information about you that we collect and process may be provided from a number of sources including: by you; your employer or a previous employer; HM Revenue & Customs (HMRC); a tracing agency which may use a range of sources such as the electoral roll e.g. if we are trying to trace you; and (with your consent) your doctor.

This information may include some or all of the following:

  • Personal details such as name (including former names); date of birth; sex; contact details (e.g. home address and former addresses, telephone numbers and e-mail address); identifiers such as National Insurance (NI) number;
  • Employment and pension scheme membership details such as dates of joining and leaving employment (including reason for leaving, where relevant to benefit calculations) and employment history (e.g. whether part-time or full-time, periods of absence and job title) periods of pensionable service, earnings and details of other benefits;
  • Details of pension contributions and benefits, such as compulsory and voluntary contributions, actual or potential defined benefits and defined contribution account information;
  • Other financial details such as other pension arrangements, relevant tax and NI details (e.g. bank sort code and account number, tax code, Lifetime Allowance and other protections), deductions from pension payroll;
  • Details of family and social circumstances such as current marriage or civil partnership, any previous relationships and dependants, death benefit distribution information (including expression of wish forms);
  • Copies of identification and similar documents (e.g. birth, marriage, civil partnership and death certificates, passport identity pages, decree absolute);
  • Court orders such as pension sharing and earmarking orders and attachment orders;
  • Information about physical or mental health where there is a legal basis to do so to determine and provide benefits.

Our use of your personal data

We must have a legal reason to use your personal data and this will usually be:

  • to comply with legal or contractual requirements;
  • for the performance of contractual requirements;
  • for the legitimate interests of administering the Scheme; or
  • with your consent.

We may ask you to consent to us processing information in some circumstances. For example, where personal data collected is categorised as a special category of personal data (such as information about your health if retiring on grounds of ill health) and there is not an alternative legal basis for processing it we may ask for your consent.

If we do not have your consent it may mean that we are unable to pay benefits to you or your dependants. You can withdraw consent at any time by writing to us using the contact details given below.

When you provide personal information about your beneficiaries the Trustee and our advisers assume that you do so with their full knowledge and consent.

Purposes of processing the data

We collect and process your data based on the lawful reasons set out below:

We rely on our legitimate interests in processing your data:

    • To run mortality and address checks against member records to ensure information is correct and to prevent and detect fraud;
    • For risk management purposes, including the insurance or management of longevity risks and obtaining quotations for annuities or other insurance products.

We process your data where it is necessary for us to comply with legal obligation such as:

    • To trace you and other beneficiaries;
    • To establish your identity and eligibility for benefits (including following divorce or death and in cases of ill-health early retirement);
    • To calculate and reconcile contributions;
    • To calculate and pay pension benefits, and deal with any queries about these;
    • To communicate with you about your benefits and the pension scheme in general;
    • To pay tax charges, monitor whether allowances are exceeded and report to HMRC;
    • To assist with the Trustee's compliance with legal obligations, such as reporting to relevant authorities and government bodies;
    • To prepare scheme accounts and assist the Trustee's auditors;
    • To carry out actuarial, statistical and financial modelling calculations in order to advise the Trustee about pension scheme funding and investment matters;
    • To comply with our legal obligations, any relevant industry or professional rules and regulations or any applicable voluntary codes.

Who we might share this data with

The Trustee and our advisers will share your personal data with each other as necessary and with other advisers and service providers used to help administer the Scheme. This may include the Scheme's legal advisers, investment advisers, auditors and accountants. It may also include other organisations such as tracing, archiving, document printing and distribution and IT service providers. If you require details of any of these advisers/providers please contact us using the details given below.

In some circumstances, we may need to pass personal information to other third parties who advise or assist the Trustee and our advisers, the sponsoring employer, your employer, Government bodies, fund providers, insurance companies and persons associated with you. In the event that any such third party processes personal information, reasonable steps will be taken to ensure that such third party agrees in writing to act only on our instruction and provides appropriate guarantees in respect of the technical and organisational security measures governing the processing to be carried out.

We may also pass personal information to other third parties at your request, for example where you are considering a possible transfer and you have asked us to provide information to your adviser and/or to the administrators of the receiving arrangement. In this situation we will assume that you have satisfied yourself that the third party has suitable security measures in place.

How we protect your data

We take the security of your data seriously. We have put appropriate procedures in place and we limit access to your personal information to those who have a business need to know.

We have put in place procedures to deal with any suspected data breach and will notify you of a suspected breach where we are legally required to do so.

How long we keep your personal data

We will keep your personal data, in accordance with the law and regulatory guidance, for as long as is necessary for the purpose(s) for which it was collected and for so long afterwards as we consider may be required to deal with any questions or complaints that we may receive about our administration of the Scheme. This will be in line with our Record Retentions Schedule, which is available on request from UMSS (see contact details below). When no longer needed, we will seek to ensure that personal data is securely destroyed.

Your rights

You have the right to:

  • a copy of your personal data held;
  • have your data corrected if it is inaccurate or incomplete;
  • have your data deleted or removed if it is no longer necessary for the purpose of administering the Scheme;
  • restrict the processing of your data;
  • withdraw any consent you have given in respect of your personal data;
  • data portability - to obtain and reuse your data for your own purposes.

If you wish to exercise any of these rights please contact us using the contact details below. We will aim to respond to any request received from you within one month of receiving your request. Access to your data will be provided free of charge, unless the request is excessive or unfounded.

Cookies Policy

What is a cookie and why are cookies used

A cookie is a small electronic file that collects information when someone visits a website. A cookie can identify the pages that are being viewed, and this can assist us to select the pages that the viewer sees. Some cookies only exist whilst viewers are online (session cookies), but persistent cookies remain on the viewer's computer, so that he or she can be recognised as a previous visitor when he or she next visits our Website. This allows us to collect information about a viewer's browsing habits whilst on our Website, and this can be useful in assisting us to monitor and improve our services.

The cookies we use are listed here:

UMSS's use of cookies

UMSS may release browsing data and information gathered using cookies in the aggregate, such as publishing a report on trends in the usage of the Website. The report will only contain statistical data and will not identify any individual.

In addition to using cookies, we might also use web tools to collect information about your browsing activities whilst on our Website. In this respect the information that is provided is similar to the information supplied by cookies, and we use it for the same purposes.

Any information that we acquire about you using cookies or web tools is subject to the same restrictions and conditions as any other information we collect about you.

How to manage cookies

When you first access our Website, you will be informed that our Website uses cookies. Your continued use of our Website after this information has been given will be taken as consent to our use of cookies.
Most browsers will automatically accept the use of cookies, but you can usually modify the settings on your browser to tell it to decline the use of cookies. If you do this, you may only have limited functionality in the use of our Website.

To find out more about cookies including how to see what cookies have been set and how to manage and delete them, visit:

IP addresses

We may collect information about your computer, including where available your IP address, operating system and browser type, and for system administration. This is statistical data about our users' browsing actions and patterns, and does not identify any individual.

Your rights

Our Website may, from time to time, contain links to and from other websites. If you follow a link to or from another website, please note that these websites have their own privacy policies and that we do not accept any responsibility or liability for these policies. Please check these policies before you submit any personal data to these websites.

Contact details

If you have any questions, comments or requests regarding this Policy, please contact the UMSS team, umss@manchester.ac.uk or by post at the University of Manchester, Pensions Office, John Owens Building, Oxford Road, Manchester, M13 9PL.

Complaints

If you are not happy with the way your personal data is held or processed, please contact us at the address above.

You also have the right to complain to the Information Commissioner's Office (ICO) using the following contact details:

Information Commissioner's Office
Wycliffe House
Water Lane
Wilmslow
Cheshire
SK9 5AF
Tel: 0303 123 1113
Email: casework@ico.org.uk

More information is available on the ICO website at https://ico.org.uk/

Updates to this notice

We reserve the right to change this Policy at any time, and any changes we may make to this Policy, including details of changes in how we use your personal information, will be posted on this page. You are expected to check this Policy from time to time to take notice of any changes we have made to it.

Last updated: May 2018

Contact us

For more information about UMSS, contact us using one of the following:

0161 275 2043