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Complaints Policy

Pension Jar Limited, trading style Pension Jar, is a company registered in England and Wales under company number 14344139 with registered office at 80 Cheapside, London, EC2V 6EE. Jarvis® is a trading style of Pension Jar Limited (FCA Registration: 984773), an Appointed Representative of P1 Investment Services Limited, which is authorised and regulated by the Financial Conduct Authority (FCA Registration: 752005). P1 Investment Services Limited is registered in England and Wales. Number: 12431555. Registered office: C/O Prydis Senate Court, Southernhay Gardens, Exeter, Devon, England, EX1 1NT.

Pension Jar will offer full access to its Jarvis® proposition via its Self Invested Pension Plan (SIPP), an algorithm designed as a dynamic framework for users to unlock paths to financial freedom.

Jarvis does not provide pensions, investment, financial, legal, or taxation advice or any recommendations in relation to the Jarvis SIPP (as defined below). Nothing in these terms & conditions or any other documents or communications with Us (written or oral) should be taken to constitute pensions, investment, financial, legal, or taxation advice.

Your Jarvis SIPP is a vehicle through which You can consolidate your existing qualifying pension arrangements. We are in the process of building our drawdown function which will be soon part of our pension proposition. In the interim, Your Jarvis SIPP is not a vehicle through which You can access Your pension savings (e.g. in the form of drawdown, taking a lump sum, or drawing a regular pension). When You wish to access Your pension, You will need to transfer Your benefits to a suitable arrangement which meets Your requirements.

Any investments provided through the Jarvis SIPP can go down in value as well as up and Jarvis is not liable for any losses You incur (including but not limited to any taxation liabilities).

These Terms & Conditions together with the other documents specified in clause 1 below create a legally binding agreement between You and Us. Please read these documents and the relevant SIPP fact sheets and disclosure documents carefully and ensure that you understand them. For your own benefit and protection, You should consider taking independent financial, investment, and/or legal advice. If You do not agree with any of the terms set out in the aforementioned documents, You should not use Our Services.


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    1    “SECCL Custody” – Seccl Technology Limited is a company registered in England and Wales at 20 Manvers St, Bath, BA1 1JW (Number: 10237930). Seccl Custody Limited, a wholly owned subsidiary of Seccl Technology Limited, is registered in England and Wales (Number: 10430958), and authorised and regulated by the Financial Conduct Authority (Firm Reference Number: 793200) or such other provider as We may nominate from time to time.

    2    “Agreement” - the three documents comprising Jarvis Terms & Conditions, Fees Guide, and the Jarvis SIPP Terms and Conditions.

    3    “Annual Fee” – this is comprised of a Platform Fee and Fund Charge. The annual Jarvis Platform Fee is 0.75% for the first £75,000 of assets, reducing to 0.35% thereafter, and our current Vanguard and Legal & General fund range has an annual charge of 0.20% to 0.22% of the total assets in Your Jarvis SIPP. This charge is subject to change. We will notify You sufficiently in advance of any change.

    4    “App” – the Jarvis mobile application which You download onto Your iOS/Android smartphone.

    5    “Assets” - any Investments or cash held in Your Jarvis SIPP.

    6    “Business Day” - any day which a bank in the UK would normally be open for business but not including a Saturday, Sunday, or any public holiday.

    7    “Cash” - to include funds paid as electronic payment but not physical cash and notes.

    8    “Client” - “You”, “Your” and “Yourself.”

    9    “Client Reference” - the unique reference given to You when you open a Jarvis account.

    10    “Collective Investment scheme” - a Unit trust, OEIC, or recognised scheme as defined in the FCA rules.

    11    “Contribution” - any Cash payment into Your Jarvis SIPP.

    12    “Corporate Action” - any actions such as takeover, rights issues, mergers, and conversion that would have an effect on Your Jarvis SIPP.

    13    “Custodian” – SECCL Custody Limited and/or such other FCA registered custodian as We may appoint from time to time.

    14    “Custody Terms” - means the terms outlined in Schedule 1.

    15    “ETI” - Exchange Traded Instruments.

    16    “FCA” - The Financial Conduct Authority at 12 Endeavour Square, London E20 1JN.

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    17    “FCA Rules” - The Rules and guidance given to the UK financial services industry as amended from time to time.

    18    “Fees Guide” – the document entitled “Fee Guide” as amended from time to time, also available in Our App.

    19    “Fees” – the Annual Fee and any other fees applicable (see the Fees Guide).

    20    “Finance Act” - is The Finance Act 2004 as amended and enacted from time to time.

    21    “Force Majeure” - means any circumstance not within a Party's reasonable control including, without limitation:

    1    acts of God, flood, drought, earthquake, or other natural disaster;

    2    epidemic or pandemic;

    3    nuclear, chemical, or biological contamination or sonic boom;

    4    interruption or failure of utility services.

    22    “FSMA” - The Financial Services and Markets Act 2000, as amended and enacted from time to time.

    23    “Fund” - the Fund into which the assets transferred from Your Qualifying Pension Arrangements are invested, together with any Contributions paid by You.

    24    “Fund Provider” - the manager or distributor of Your Fund.

    25    “SCL” – the Scheme Administrator and the Scheme Trustee.

    26    “HMRC” - Her Majesty’s Revenue and Customs.

    27    “Investment” - a bond, share, or other financial product also including units in funds or as otherwise stated.

    28    “Key Facts” - the description in the Regulatory Requirements which sets out the high-level aims and particular features of Your Jarvis SIPP, as amended from time to time.

    29    “Key Information Document” - as described in the PRIIPs regulation (Regulation (EU) No 1286/2014 of the European Parliament and of the Council).

    30    “Key Investor Information Document” - is the Key investment information document or equivalent document for a fund.

    31    “Natural Person Identifier” - Your UK National Insurance Number.

    32    “Nominee” - means a firm appointed by Us in whose name investments made under Your Jarvis SIPP will be registered

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