Terms and Conditions

Website Terms and Conditions of Use

This document should be read in conjunction with our Privacy notice and Cookie policy.

The Coats UK Pension Scheme (the “Scheme“) is managed by Coats UK Pension Scheme Trustees Limited, a company registered in England under company number 11328104, having its registered office at The Pavilions, Bridgwater Road, Bristol, BS13 8FD (the “Trustee“) on behalf of Coats Group plc., a company registered in England and Wales with company number 00103548, having its registered office at 4th Floor, 14 Aldermanbury Square, London EC2V 7HS. The Scheme is governed by a Trust Deed and Rules.

The Trustee permits the use of this website (coatspensions.co.uk) (the “Website“) to all visitors on the basis of the following terms and conditions which apply to its use. By logging into or accessing this Website you agree to be bound by these Terms and Conditions of use. If you do not agree with these terms, you must not use this Website. By using the Website, you indicate that you accept these terms and conditions of use and that you agree to abide by them.


Although every effort is made to ensure the accuracy and currency of the contents of the Website, the Trustee makes no warranty that use of the information published on the Website (including, without limitation, all Website design, text, graphics, the selection and arrangement thereof and all software compilations, source code, software and other material) will be uninterrupted, timely or error-free. Therefore the Trustee accepts no responsibility for and excludes all liability for damage and loss in connection with browsing this Website, use of information on this Website and downloading any material from it, including but not limited to errors, inaccuracies, omissions and misleading or defamatory statements, whether direct or indirect or consequential.

The Trustee accepts no responsibility or liability (including, without limitation, liability for negligence) for any loss, damage or inconvenience caused as a result of any error or inaccuracy on this Website. To the fullest extent permitted by law, the Trustee makes no warranties or representations, whether express or implied, in relation to the Website, including but not limited to implied warranties or conditions of completeness, accuracy, satisfactory, quality and fitness for a particular purpose.

We provide links to other websites which are not within our control. We are not responsible for these websites in any way, and do not endorse them. The contents and use of such web sites may be governed by the laws and regulations of countries other than the UK and by regional conditions of use and/or privacy policies. If you wish to know more about the conditions of use or privacy policies of these web sites please contact the relevant company.

No reliance on information

You should not make any life decisions or decisions in respect of your pension or other finances on the basis of the information contained within this Website. If you have any problem, question or concern relating to your Coats Pension, you should contact Pensions Services, Coats Pensions Office, PO Box 2043, Pershore, WR10 9ES, or email pensions.services@coats.com.

These terms and conditions, together with our Privacy Notice, govern the use you make of our Website. This Website is available to the Trustee, the advisors whom the Trustee has appointed to provide services in relation to the Scheme and members of the Scheme. It enables users to access specific content and data by means of a login code and password.

Your account and password

If you choose, or you are provided with a password or any other piece of information as part of our security procedures, you must treat such information as confidential. You must not disclose it to any third party.

We have the right to disable any user identification code or password, whether chosen by you or allocated by us, at any time, if in our reasonable opinion you have failed to comply with any of these terms of use.

If you know or suspect that anyone other than you knows your password, you must promptly change your password or notify us at pensions.services@coats.com.

Changes to our Website terms and conditions of use

We may change these terms and conditions of use at any time by updating this page. You should check this page from time to time to review these terms and conditions to ensure you are happy with any changes.

Using or accessing this Website indicates your acceptance of these terms and conditions as amended from time to time.

The Trustee reserves the right at any time, at its sole discretion, to modify this Website by making additions, deletions or variations to the content, including this Legal Notice. By continuing to access the Website following a change to the Legal Notice, you agree to be bound by any changes made.

If you do not accept these changes to the Website terms and conditions of use, you must not continue to use this Website.

Access to the site

We will use reasonable efforts to make our Website and its content available to users, however we do not warrant or represent that access to this Website will be uninterrupted, reliable or fault free.

We reserve the right in our sole discretion to deny users access to our Website or any part of it without notice and to decline to provide the service to any user that is in breach of these conditions.

Intellectual Property Rights

The name Coats, and the Coats logo, are registered trade marks of J & P Coats Limited. The materials on the Website are protected by copyright and their unauthorised use may violate copyright, trademark or other intellectual property rights. The Trustee permits you to view and download the information, content and software on this Website solely for your personal, non-commercial use, provided that you retain all copyright and other proprietary notices contained in the materials. You may not modify any of the content on this Website in any way or reproduce, republish, distribute, display, create derivative works from, transfer, sell, license or otherwise use it for any public or commercial use without the prior written consent of the Trustee. This consent does not authorise you to incorporate any part of the information or material on this Website in any other document or material without our prior written consent.

You may not copy, redistribute, republish or otherwise make the materials on this Website available to anyone else without our consent in writing.

You must not use any part of the materials on our Website for commercial purposes without obtaining a licence to do so from us or via us from our licensors, as appropriate.


We do not assume any liability of any kind whatsoever resulting from the use, or reliance upon any information, material or procedure contained on the Website.

We make no warranties in conjunction with the Website, or the materials contained on it, and we undertake no obligation other than those set out in these terms and conditions and our privacy policy.

The material displayed on our Website and information, models, calculations and materials derived from your use of our Website are provided without any guarantees, conditions or warranties. We recommend that you take further advice or seek further guidance before taking any action based on the information contained on or derived from your use of this Website.

This is a comprehensive limitation of liability that applies to all damages of any kind, including (without limitation) compensatory, direct, indirect or consequential damages, loss of data, income or profit, loss of or damage to property and third party claims, save that nothing shall exclude or restrict liability for death or personal injury resulting from the negligence of the Trustee.


We do not guarantee that our Website will be secure or free from bugs or viruses.

You are responsible for configuring your information technology, computer programmes and platform in order to access our Website. You should use your own virus protection software.

You must not misuse our Website by knowingly introducing viruses, trojans, worms, logic bombs or other material which is malicious or technologically harmful. You must not attempt to gain unauthorised access to our Website, the server on which our Website is stored or any server, computer or database connected to our Website. You must not attack our Website via a denial-of-service attack or a distributed denial-of service attack. By breaching this provision, you would commit a criminal offence under the Computer Misuse Act 1990 (UK only). We may report any such breach to the relevant law enforcement authorities and we will co-operate with those authorities by disclosing your identity to them. In the event of such a breach, your right to use our Website will cease immediately.

Information about you and visits to our Website

We process information about you in accordance with our Privacy notice.

By using the Website, you consent to such processing and you warrant that all data provided by you is accurate.

Force Majeure

We shall not be liable to users for any breach of these conditions of use or any failure to provide or delay in providing our services through our Website resulting from any event or circumstance beyond our reasonable control including, without limitation, strikes, lock outs and other industrial disputes, breakdown of systems or network access, fire explosion or accident.

Applicable Law

These conditions shall be governed and construed in accordance with English Law and any disputes shall fall within the exclusive jurisdiction of the English Courts. If any provision of these disclaimers and exclusions shall be unlawful, void or for any reason unenforceable then that provision shall be deemed severable and shall not affect the validity and enforceability of the remaining provisions. If you are a consumer, please note that this Licence, its subject matter and its formation, are governed by English law. You and we both agree to that the courts of England and Wales will have non-exclusive jurisdiction. However, if you are a resident of Northern Ireland you may also bring proceedings in Northern Ireland, and if you are resident of Scotland, you may also bring proceedings in Scotland.

Financial Advice

Neither the Trustee nor their agents can provide financial advice and neither this Website nor any information derived from your use of the Website constitutes such advice.


Our target is to conform to the ‘Double-A’ standard as set out by the Worldwide Web consortium (W3C), who set globally agreed standards on accessibility.

Web accessibility means access to the internet by everyone, regardless of disability. This means that people with disabilities (including visual impairment and physical limitations in using a mouse or keyboard) should be able to perceive, understand, navigate, and interact with web sites and online applications and that these should work well with the assistive technologies which some people with disabilities use to access the internet -such as screen readers, screen magnifiers and text-to-speech devices.

If you have any problems using our Website or require in formation in another format, please contact us.

There are also options within your browser that can help you access web sites more easily.

We use style sheets to control elements such as font size to ensure that our pages are accessible to visually impaired visitors using special access software, and the widest number of browsers possible.

JavaScript and cookies are used on this Website to remember your personal settings and to enhance the user interface. To use the advanced usability features of the Website, please ensure that JavaScript and cookies are enabled in your browser.

Contact Us

If you have any questions about the terms and conditions of use or do not wish to accept them, please contact Coats Pensions Office, PO Box 2043, Pershore, WR10 9ES, Telephone 0141 207 6800. Our email address is pensions.services@coats.com.

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