Terms of use.

The M&S Pension Scheme (the Scheme) website (the Website) is owned by, and operated for and on behalf of, Marks and Spencer Pension Trust Limited (the Trustees or we).

You may only use the Website for the purpose that it was made available to you (e.g. to obtain information about the Scheme) and in accordance with these terms and conditions of use, including the privacy policy below, and any additional terms we notify to you (the Terms). Access and use by you of this Website constitutes your acceptance of the Terms. The Terms take effect from the date on which you first use this Website.

The Website may be updated at any time and the Trustee recommends that you check these Terms regularly as you will be bound by the amended Terms from the next time you access the Website. If the Trustee amends the Terms, we will notify users by displaying a pop-up box stating that the Terms have changed and by posting the amended version of the Terms with an updated effective date on this Website.

The availability of the Website at any given time is not guaranteed, and the Website may be modified, suspended or withdrawn by the Trustee at any time without notice.

The Trustee makes no representations or warranties about the Website or its contents, which are provided “as is”. To the maximum extent permitted by law: (i) the Trustee excludes all implied warranties regarding the Website or its contents, including without limitation, the warranties of merchantability, fitness for purpose, title and non-infringement; and (ii) the total liability of the Trustee to you, for any claim arising out of or in connection with the Website, its contents or their use, is limited to any amounts you paid (if any) to the Trustee to use the Website.

Privacy Policy

We take the issue of data protection very seriously. Our approach is set out in the Trustee's Privacy Policy.


A cookie is a tiny text file that a website can store on your machine and can read on subsequent visits. This allows that website to identify you and for example, remember to log you in the next time you visit.

This website may use cookies and similar technologies to remember any preferences which you may have set on the site set or to track your progress through the site so we can make improvements to the service we offer you. Cookies may be required to allow you to access and participate in certain areas of the website.

There are different types of cookies used for different purposes. The cookies we use are listed below under the four cookie categories proposed by the International Chamber of Commerce:

  • Strictly necessary cookies - these are cookies that are directly required to fulfil an action requested by you, such as logging in.
  • Performance cookies - these are cookies used to improve a website, for example for analytics that let companies see how their site is used and where to make improvements.
  • Functionality cookies - these are cookies that are needed for a specific piece of functionality, often because of something you’re doing as a user but aren’t directly requested by you. For example, to stop you from being repeatedly offered a service that you have previously said no to.
  • Targeting cookies - these cookies can be quite intrusive as they track a user’s browsing behaviour from website to website, often to be used for targeted advertising. Capita does not set any targeting cookies; however, they may be used on our website by third parties.

We use these cookies:

Type of Cookie




More information



This cookie is set by Google Analytics. It stores and update a unique value for each page visited and is used to count and track pageviews.

1 day

Google’s privacy policy



This cookie name is associated with Google Universal Analytics - which is a significant update to Google's more commonly used analytics service. This cookie is used to distinguish unique users by assigning a randomly generated number as a client identifier. It is included in each page request in a site and used to calculate visitor, session and campaign data for the sites analytics reports.

2 years



This cookie name is associated with Google Universal Analytics, according to documentation it is used to throttle the request rate - limiting the collection of data on high traffic sites.

1 minute



Set by Google Analytics to store uniquely identifiable id for each visitor

1 minute



Google Universal Analytics technical cookie used to throttle request rate

1 minute



This cookie enables the function of Google Analytics.

30 seconds

Third party cookies

These cookies are set through our site by trusted external sources. They do not directly store personal information but are based on uniquely identifying your browser and internet device. They can also provide additional functionality to our website.

A list of the third-party cookies set by this site and what they do is below:





More information



Set by Google. This group sets a unique ID to remember your preferences and other information such as website statistics and track conversion rates.


Google policies

You can control these cookies by following the guidance below.

More information about cookies

This site uses a cookie preference centre that allows you to choose the cookies that can be stored on your machine. You will have encountered this when you first visited the website. By clicking on the ‘Cookie Settings’ tab at the bottom left of the screen and then ‘Select Cookies’ you can update your preferences at any time.

To learn more about cookies, including how to manage them and how they affect your online activities, please visit www.aboutcookies.org or www.allaboutcookies.org. You can also learn how to control cookies on different browsers at and how to delete cookies at www.aboutcookies.org/how-to-manage-and-delete-cookies.

To opt out of being tracked by Google Analytics across all websites, you can visit tools.google.com/dlpage/gaoptout. New technologies such as Mozilla's Do Not Track (support.mozilla.org/en-US/kb/how-do-i-turn-do-not-track-feature) allow you to tell websites not to track you.

It is noted however that blocking cookies may, on occasion, reduce the functionality of a website or prevent access, depending on the browser options which are selected.