Terms of Service

care-4 Standard Terms (14062019)

These terms and conditions are issued by Hawk Incentives Limited a company duly incorporated under company number 4155659, having its registered office at Westside, London Road, Hemel Hempstead, Hertfordshire, HP3 9TD and part of the Blackhawk Network group (Hawk Incentives/us/we). These terms and conditions govern the supply of the Services to the client identified in the Contract (you/Client). If you have any questions about this Contract, the Services please email us at enquiries@bhnetwork.com.

1. Services

(A) Service description and specific obligations

1.1 We will provide you with the services as further described in this clause 1 (Services) in relation to the  care-4 childcare vouchers scheme (Scheme).  The Scheme allows an employee to sacrifice part of their gross salary (Funds) which can be used to pay for childcare only.  The Funds are deducted from the employee’s gross salary each month through payroll and sent to us.  Upon receipt of the Funds for an employee, we load an amount equal to the Funds into that employee’s care-4 account and such amount can be used to pay registered or approved carers used by that employee for childcare services.    

1.2 We will:

  • provide you with ongoing advice and guidance about the Scheme.
  • support you in the initial launch of the Scheme, and the transition of participants from your existing scheme along with any further interim activity including provision of communication materials and support as required by you (which may attract an additional cost). 
  • agree with you a period of time within which employees can register for the Scheme (registration period).
  • provide a care-4 account for each of your employees participating in the Scheme (Participant).
  • provide contact details to you and your employees, including a designated scheme telephone number and website, for registration onto the Scheme.
  • administer the registration process direct with the Participant and the carer(s) on your behalf.
  • provide you with a copy of our Scheme Terms and Conditions setting out the terms on which the Scheme is made available to the Participant (Parent & Guardian) and Carer.
  • collate, where appropriate, registration documentation received from the Carer, in accordance with requirements of the Children Act 1989 and/or HMRC requirements.
  • set up a care-4 account for each Participant and provide materials (welcome email with links to Scheme Terms and Conditions, parent and guardian information and a password set up email)
  • provide materials for the Carer (welcome email with links to the Scheme Terms and Conditions, carer information and a password set up email).
  • at the end of the registration period, upon your request provide you with a report detailing the registration requests which we have received during that selection period.

1.3  We will:

  • issue a VAT invoice on a monthly basis for the management fees payable to us as detailed in the Contract.
  • use reasonable endeavours to release payments to the Carer within 1 business day of receiving authority from the relevant Participant to do so via the designated telephone line or through the Participant’s account at www.care-4.co.uk
  • send an email confirming a payment has been made via the Scheme to those Carers that have provided us with their email address.

1.4 We reserve the right to:

  • make payments only if there are sufficient funds in the relevant Participant’s care-4 account.
  • withhold payment until we have received appropriate confirmation that the Carer is registered and approved by a relevant regulatory body.
  • make no further payments to a Carer under the Scheme, and to terminate his/her membership forthwith, if we become aware that he/she is no longer authorised to provide child care in compliance with the Children Act 1989.

1.5 Notwithstanding any provision of this Contract to the contrary, we accept no liability for fraudulent payments made using the Scheme.

1.6 You will:

  • undertake a basic earnings assessment to determine the tax and National Insurance exempt value that can be sacrificed from gross pay for each Participant, on joining and annually at the start of each tax year.
  • provide an accurate spreadsheet in an agreed format detailing the funds to be loaded for each Participant at least one (1) full working day ahead of each salary pay date.
  • pay us an amount corresponding to the total fund load value detailed in the spreadsheet referred to above at least one (1) working day before the agreed salary pay date for us to load  to the Participant’s care-4 accounts.
  • permit us to terminate an employee’s participation in the Scheme in the event of his/her failure to comply with the Scheme Terms and Conditions.
  • make the Scheme available for a minimum period of twelve month(s) during each contractual year.

1.7 The Scheme Terms and Conditions apply between the Participant and us and do not form part of this Contract.  A copy of the Scheme Terms and Conditions is available on request.

1.8 Any costs relating to additional services provided to you at your request will be calculated on the basis of the service required.  These must be agreed in advance, in accordance with the Contract. 

1.9 You will pay all invoices within 30 calendar days of the date of invoice.

(B)  Contracting with us

1.10 We will issue a contract form for the Services based on the information that you provided.  You can request the Services  from us by signing the contract form and returning it to us.  Your signed contract form is an offer by you to buy the Services subject to these terms. Our acceptance of your offer will take place when we email you to confirm that we accept to provide you with the Services, at which point the Contract will come into existence between us. If we are unable to accept to provide you with the Services for any reason we will inform you of this in writing.

(C) Sub-contractors

1.11 As of the Effective Date, we use the following sub-contractors in the provision of the Services and Deliverables supplied under this Contract.

Orion Security Print, (a division of Integrity Print Ltd), with a place of business at 4 Merlin Way, Quarry Hill Industrial Park, Ilkeston, Derby, DE7 4RA

2. Fees and payment

2.1 In consideration for the supply of the Deliverables and Services you agree to pay the charges detailed in the Contract ("Charges").

2.2 The Charges exclude duties and taxes. You will pay the applicable duties and taxes, at the prevailing rate, at the same time as you pay the Charges.

2.3 All payments shall be made in Pounds Sterling and by the payment method stipulated in clause 1 above or in the Contract.

2.4 In the event you have not paid us within the agreed payment term, we may (a) charge interest on the outstanding amount at the rate of 4% per year above the base rate of the Bank of England to accrue daily from the date on which payment fell due until the date on which payment is made in full cleared funds and (b) disable your access to all or part of the Services and/or suspend our performance of the Services.

2.5 Without prejudice to any other right or remedy, we may set off any amount which is due and owing by us or any of our Affiliates to you or any of your Affiliates either under this Contract or any other contract between us or our Affiliates and you or any of your Affiliates whether existing now or in the future.

3. Warranties and Obligations

3.1 You warrant and represent on an ongoing basis that: a) you have full capacity and authority to enter into and perform your obligations under this Contract; b) the Contract is executed by your duly authorised representative; and c) you will ensure that the data, including Personal Data, that you provide is accurate and up to date.

3.2 You will a) co-operate with us in all matters related to the Services and ensure the same of your independent contractors; b) promptly supply us with such materials and data as we may reasonably request; and c) comply with all Applicable Laws.

3.3 You warrant and represent on an ongoing basis that that there are no Client Staff to the extent that TUPE applies and you will indemnify us against all costs, claims, demands, liabilities and expenses properly incurred by us in respect of any Claim made by Client Staff pursuant to any application to a Court or Employment Tribunal or any compromise thereof.

3.4 We will perform the Services with all due skill care and diligence using appropriately qualified individuals.

3.5 We will use reasonable endeavours to meet any performance dates agreed with you in writing, but any such dates are estimates only.

4. Term

4.1 Subject to the provisions for earlier termination, this Contract is deemed to have commenced on the Effective Date and shall continue in full force and effect for the Contract Duration.

5. Liability

5.1 This clause 5 sets out our entire financial liability (including any liability for the acts or omissions of our employees, agents and sub-contractors) to you in respect of all matters arising out of this Contract.

5.2 Nothing in this Contract limits or excludes a party’s liability for (a) death or personal injury resulting from its negligence; or (b) any damage or liability arising from its fraud or fraudulent misrepresentation; or (c) for any other liability which cannot be limited or excluded by Applicable Law.

5.3 Subject to clause 5.2, we will not be liable to you for any of the following (where in each of clauses 5.3(b) to 5.3(j) inclusive of a direct or indirect nature): a) special, indirect or consequential loss; b) loss of profits; c) loss of business; d) depletion of goodwill and/or similar losses; e) loss of anticipated savings; f) loss of goods; g) loss of contract; h) loss of use; i) loss, damage or corruption of data or information; and j) any pure economic loss, costs, damages, charges or expenses.

5.4 Subject to clauses 5.2 and 5.3, our total liability to you in contract, tort (including negligence or breach of statutory duty), misrepresentation, restitution or otherwise arising in connection with the performance or contemplated performance of this Contract shall not exceed fifty thousand pounds (£50,000).

5.5 All warranties, conditions, undertakings or terms, express or implied, statutory or otherwise as to the condition, quality, performance or fitness for purpose of any goods or services provided by us pursuant to this Contract are excluded from this Contract save to the extent they are expressly provided herein.

6. Confidentiality

6.1 Each party agrees to keep confidential all Confidential Information and will only use the other party’s Confidential Information for purposes of fulfilling its obligations under this Contract.

6.2 The receiving party shall treat the disclosing party’s Confidential Information with at least the same degree of care that it treats in own Confidential Information but in any event with no less than a reasonable degree of care.

6.3 The receiving party may disclose the disclosing party’s Confidential Information to its employees, officers, representatives or advisers who need to know such Confidential Information for the purpose of carrying out the receiving party’s obligations under this Contract.

6.4 For the purpose of this Contract, Confidential Information shall not include information which is: a) in the public domain or falls into the public domain otherwise than due to breach of this obligation by the receiving party; or b) lawfully in the receiving party’s possession at the time of disclosure by the disclosing party; or c) lawfully acquired from an independent third party who did not itself obtain it under an obligation of confidentiality; or d) independently developed without access to any information disclosed by the disclosing party; or e) required to be disclosed by any court or governmental or administrative authority competent to require the same or by any Applicable Law.

7. Intellectual property Rights

7.1 All pre-existing Intellectual Property Rights shall remain the sole property of the originating party and the other party shall acquire no rights therein. Each party hereto warrants to the other party that to the best of its knowledge, all material, logos, information or other data provided to the other party in any media does not infringe the Intellectual Property Rights of any third party.

7.2 Client acknowledges that any and all of the Intellectual Property Rights subsisting in or used in connection with the Hawk Incentives IPR, the Deliverables and the Services shall remain the sole property of Hawk Incentives or such other party as may be identified therein or thereon and Client shall not at any time dispute such ownership.

7.3 Hawk Incentives grants the Client, or shall procure the direct grant to the Client of, a fully paid-up worldwide, non-exclusive, royalty-free and revocable licence to use the Hawk Incentives IPR for the purpose of receiving and using the Services and/or the Deliverables in the Client’s business during the Contract Duration.

7.4 Client shall not (without the prior written consent of Hawk Incentives) permit any third party to use the Hawk Incentives IPR, Services or Deliverables in any way whatsoever and shall notify Hawk Incentives immediately if Client becomes aware of any unauthorised use of the whole or any part of the Hawk Incentives IPR, Services or Deliverables by any person.

7.5 Client grants Hawk Incentives and its Affiliates and service providers a fully paid-up, worldwide, non-exclusive, royalty-free, transferable licence to use, copy and modify the Client Materials for the purpose of providing the Services.

7.6 Client shall indemnify and keep indemnified Hawk Incentives and its Affiliates and service providers from and against all costs, claims, demands, liabilities, expenses, damages or losses they suffer or incur as the result of any claim or proceedings brought by a third party as a result of any goods or services supplied either to Client’s design/specification or in accordance with or based upon any information or materials supplied by Client or any Client Materials supplied to Hawk Incentives.

8. Data Protection

8.1 In this clause 8, Data Protection Laws means the EU Data Protection Directive 95/46/EC as implemented in the appropriate local territories of the European Union until 25 May 2018 and on and from 25 May 2018 ("GDPR Date") the General Data Protection Regulation (EU) 2016/679 ("GDPR") (as amended and superseded from time to time), and/or all Applicable Law from time to time, in each case in each jurisdiction where the Services are delivered in relation to data privacy; "Process/Processing", "Data Subject", "Personal Data" and "Personal Data Breach" shall have the same meaning as in the Data Protection Laws.

8.2 Each party confirms that it holds, and during the term of this Contract will maintain, all registrations and notifications required in terms of the Data Protection Laws which are appropriate to its performance of its obligations under this Contract.

8.3 Each party confirms that, in the performance of this Contract, it will comply with the Data Protection Laws.

8.4 In so far as Hawk Incentives Processes any Personal Data on behalf of Client, Hawk Incentives shall:

8.4.1 not Process the Personal Data or disclose or permit the disclosure of the Personal Data to any third party other than in accordance with Client’s documented instructions (whether in this Contract or otherwise) unless Processing is required by EU or Member State law to which Hawk Incentives is subject or English law, in which case Hawk Incentives shall, to the extent permitted by such law, inform Client of that legal requirement before Processing that Personal Data;

8.4.2 not authorise any sub-contractor to process the Personal Data ("sub-processor") other than with the prior written consent of Client (which is deemed given by Client issuance of the Contract to permit Hawk Incentives, in the ordinary course of its business operations to appoint an Affiliate or other third party to provide, within the UK or other EEA member state, save as otherwise detailed at clause 8.4.11 below, contact centre services, data hosting, back up and other automated processing functions) provided that in the case of each approved sub-processor, Hawk Incentives shall include terms in the contract between itself and each sub-processor which are equivalent to those set out in this clause 8 and remain fully liable to Client for any failure by each sub-processor to fulfil its obligations in relation to the Processing of any Personal Data. The list of sub-contractors currently used by Hawk Incentives for the Services can be found in part C of clause 1 above. Hawk Incentives will notify Client of changes to such list through publication of a new list in a revised version of these terms and conditions appearing on Hawk Incentives’s website. Client’s continued use of the Services or Deliverables after such publication will be deemed to be Client’s acceptance of the changes to Hawk Incentives’ sub-contractors;

8.4.3 taking into account the state of the art, the costs of implementation and the nature, scope, context and purposes of Processing as well as the risk of varying likelihood and severity for the rights and freedoms of natural persons, implement appropriate technical and organisational measures to ensure a level of security to protect against unauthorised or unlawful Processing of the Personal Data or accidental damage to, or loss or destruction of, it appropriate to the risk and shall take all measures required pursuant to the Data Protection Laws. Accordingly, Hawk Incentives shall not be required to complete any questionnaires or similar submitted by Client in relation to information and/or data security;

8.4.4 take reasonable steps to ensure the reliability of any employee, agent or contractor who may have access to the Personal Data, ensuring that all such individuals are subject to confidentiality undertakings or professional or statutory obligations of confidentiality;

8.4.5 promptly notify Client if it receives a request from a Data Subject under any Data Protection Laws in respect of the Personal Data, including, from the GDPR Date, requests by a Data Subject to exercise rights under Chapter III of GDPR unless Hawk Incentives is legally prevented from doing so;

8.4.6 co operate as reasonably requested by Client in writing, at Client’s cost, to enable Client to comply with the exercise of such rights by a Data Subject and/or to comply with any assessment, enquiry, notice or investigation under any Data Protection Laws in respect of the Personal Data or this Contract;

8.4.7 notify Client without undue delay upon becoming aware of a Personal Data Breach providing Client with sufficient information which allows it to meet any obligations to report a Personal Data Breach under the Data Protection Laws;

8.4.8 co-operate with Client and take such reasonable commercial steps as are directed by Client to assist in the investigation, mitigation and remediation of each Personal Data Breach;

8.4.9 in the event of a Personal Data Breach, Hawk Incentives shall not inform any third party without first obtaining Client’s prior written consent, unless notification is required by EU or Member State law to which Hawk Incentives is subject;

8.4.10 allow reasonable access no more than once in every twelve month period to its data processing facilities, procedures and documentation by Client’s auditors in order to ascertain compliance with the Data Protection Laws and the terms of this clause 8. Hawk Incentives shall provide reasonable co operation to Client in respect of any such audit and shall at the request of Client, provide Client with evidence of compliance with its obligations under this Contract;

8.4.11 not (and shall procure that its sub-processors shall not) under any circumstances transfer Data outside the EEA unless authorised in writing by Client to do so which consent is hereby provided by the Client to the transfer of Personal Data by Hawk Incentives to its Affiliates outside the EEA, who may in the provision of the Services act as sub-processors for Hawk Incentives, and provided always that Hawk Incentives has first ensured that the following conditions are fulfilled: (a) the Client or Hawk Incentives has provided appropriate safeguards in relation to the transfer; (b) the Data Subject has enforceable rights and effective legal remedies; (c) Hawk Incentives complies with its obligations under the Data Protection Laws by providing an adequate level of protection to any Personal Data that is transferred; and (d) Hawk Incentives complies with reasonable instructions notified to it in advance by the Client with respect to the processing of Personal Data.

8.5 Subject to the requirements of any applicable exit plan, Hawk Incentives shall cease Processing, as soon as reasonably practicable, upon the termination or expiry of this Contract (or, if sooner, the Services to which it relates) and as soon as possible thereafter, at Client’s election, either return, or securely wipe from its systems, the Personal Data and any copies of it or of the information it contains.

8.6 Client warrants that it has (and, at all times during the period this Contract is in force, it will have) the requisite rights, authority and consents to disclose any Personal Data to Hawk Incentives for the purpose of the performance of this Contract and that use by Hawk Incentives of such Personal Data to provide the Services here under in accordance with the Contract and the instructions of Client will not infringe the rights of any third party.


9. Termination

9.1 Either party may terminate the Contract with immediate effect by giving the other written notice if:

9.1.1 the other commits a material breach of any term of the Contract and (if such breach is remediable) fails to remedy that breach with thirty (30) days of being notified in writing to do so;

9.1.2 if any step or action in connection with the other entering into administration, provisional liquidation or any composition or arrangement with their creditors (other than in relation to solvent restricting), being wound up (whether voluntarily or by order of the court, unless for the purpose of solvent restructuring), having a received appointed to any of its assets or ceasing to carry on business or actions is taken in another jurisdiction, in connection with any analogous procedure in the relevant jurisdiction; or

9.1.3 the other party suspends, threatens to suspend, ceases or threatens to cease to carry on all or a substantial part of its business.

9.2 Without affecting any other right or remedy available to it, Hawk Incentives may terminate this Contract with immediate effect by giving written notice to Client if Client fails to pay any amount due under this Contract by the due date for payment and remains in default not less than thirty (30) days after being notified in writing to make such payment.

9.3 Without affecting any other right or remedy available to it, either party may terminate this Contract on giving notice no less than the Notice Period provided that such notice expires on or after the first anniversary of the Service Start Date.

9.4 Termination of the Contract shall not affect any rights or remedies that have accrued as at termination.

9.5 Any provision of the Contract that expressly or by implication is intended to come in force on or after termination shall remain in full force and effect.

9.6 Notwithstanding any provision or arrangement allowing Client credit, payment of all sums owing under the Contract shall become due and payable to Hawk Incentives immediately upon the termination of this Contract.

10. Force Majeure

10.1 Neither party will be liable for any loss or damage from any delay or failure to supply any Deliverables or Services due to any circumstances beyond its reasonable control ("Force Majeure Event"), provided that the affected party informs the party as soon as practicable after first becoming aware of the Force Majeure Event.

10.2 If the Force Majeure Event in question continues for more than 30 days, either party may give notice in writing to the other of not less than 30 days to terminate this Contract.

10.3 To the extent that Hawk Incentives continues to provide the Deliverables and/or Services during a Force Majeure Event, Client shall pay the Charges to Hawk Incentives in accordance with the provisions of this Contract.

11. General

11.1 If there is an inconsistency between any of the provisions in these terms and conditions and the contract form, the provisions in the contract form shall prevail.

11.2 Client shall not assign this Contract without the prior written consent of Hawk Incentives. However, Hawk Incentives may assign or subcontract or deal in any other manner with any or all of its rights and obligations under this Contract.

11.3 All notices given under this Contract shall be in writing and sent by first class recorded delivery post or delivered by hand to the other at its address stated on the Contract (or at such other address as the party has previously notified the other in writing as its address for services) and in relation to Hawk Incentives shall be marked for the attention of the Principal Legal Counsel with a copy to the Managing Director at the address stated above and with an additional copy to the General Counsel of Hawk Incentives Network, 6220 Stoneridge Mall Road, Pleasanton, CA94588. Any such notice will be deemed to have been served immediately if delivered by hand or in the case of delivery by post, 48 hours after posting.

11.4 If any provision (or part of a provision) of this Contract is found by any court or administrative body of competent jurisdiction to be invalid, unenforceable or illegal, the other provisions will remain in force. If any invalid, unenforceable or illegal provision would be valid, enforceable or legal if some part of it were deleted, that provision will apply with whatever modification is necessary to make it valid, enforceable and legal.

11.5 The parties to this Contract do not intend that any of its terms will bind or be enforceable by any person other than Client and Hawk Incentives.

11.6 Any variation or amendment to this Contract will not be binding on the parties unless set out in writing, expressed to amend this Contract and signed by an authorised representative of each party save as set out in this clause 11.6. Hawk Incentives reserves the right to update these terms and conditions and where such change is material will inform you before those changes take effect, either through the user interface, in an email message or through other reasonable means. If you object to an intended change, you may terminate this Contract by giving written notice to Hawk Incentives within 30 days of such change becoming effective. Your continued use of the Services or Deliverables after the change becomes effective will mean that you have agreed to the new terms and conditions.

11.7 These terms and conditions and the contract form constitute the entire agreement and understanding of the parties and supersede any previous agreement between the parties relating to the subject matter of this Contract.  They apply to the exclusion of any other terms that you seek to impose or incorporate by trade, custom, practice or course of dealings.  For the avoidance of doubt, any terms in a purchase order issued by Client shall not be legally binding and may not act as a form of offer, counteroffer or an addition to or modification of the Contract.

11.8 No delay, neglect or forbearance on the part of either party in enforcing any term or condition of this Contract shall either be or be deemed to be a waiver or in any way prejudicial to any right of such party under this Contract.

11.9 The formation, construction, performance, validity and all aspects whatsoever of this Contract and any differences or disputes (including non-contractual disputes) shall be governed by English law and each party irrevocably agrees to submit all dispute arising out of or in connection with it to the exclusive jurisdiction of the English Courts to settle any dispute or claim that arises out of or in connection with this Contract or its subject matter.


Defined terms are as set out in this Contract and as below:

General Definitions

Affiliate means any third party which is either: majority owned or effectively controlled by the party concerned or; is the majority owner or effective controller of the party concerned or; is controlled by the same party as the party concerned.

Applicable Law means all applicable laws, regulations, regulatory requirements and codes of practice of any relevant jurisdiction, as amended and in force from time including but not limited to any order that is given by a regulator (including, but not limited to, the Financial Conduct Authority and Prudential Regulation Authority).

Claim means all actions (including discrimination and unfair dismissal claims), proceedings and all direct, indirect or consequential liabilities, losses, damages, injuries, claims, costs and expenses (including legal expenses) awarded against or incurred by the relevant party either arising from TUPE or otherwise.

Client Materials mean all information, materials (including but not limited to logos, branding, and trademarks) and data provided to Hawk Incentives by Client.

Client Staff means all those persons employed or engaged directly or indirectly by Client who were engaged in the provision of the Services prior to the Effective Date.

Confidential Information means information in whatever form (including, without limitation, in written or oral, and wherever located) relating to the business, products, affairs and finances of the disclosing party and trade secrets including, without limitation, technical data and know-how relating to the business of the disclosing party or any of its suppliers, clients, customers, agents, or distributors, whether or not such information (if in anything other than oral form) is marked as confidential.

Contract means these terms and conditions (as may be updated by Hawk Incentives from time to time pursuant to clause 11.6) and the contract form signed by the Client.

Data Protection Laws mean the EU Data Protection Directive 95/46/EC as implemented in the appropriate local territories of the European Union until 25 May 2018 and on and from the GDPR Date the General Data Protection Regulation (EU) 2016/679 (“GDPR”) (as amended and superseded from time to time), and/or all Applicable Laws from time to time, in each case in each jurisdiction where the Services are delivered in relation to data privacy.

Effective Date means the date on which we email you the acceptance referred to in clause 1.10.

Hawk Incentives IPR means any and all Intellectual Property Rights owned or applied for by Hawk Incentives or any of its Affiliates including but not limited to the Technology System.

Intellectual Property Rights mean all patents, rights to inventions, utility models, copyright and related rights, trade marks, service marks, trade, business and domain names, rights in trade dress or get-up, rights in goodwill or to sue for passing off, unfair competition rights, rights in designs, rights in computer software, database right, topography rights, moral rights, rights in confidential information (including know-how and trade secrets) and any other intellectual property rights, in each case whether registered or unregistered and including all applications for and renewals or extensions of such rights, and all similar or equivalent rights or forms of protection in any part of the world.

Member State means a member state of the European Union.

Technology System means the information technology system developed by Hawk Incentives or any of Hawk Incentives’s Affiliate to deliver the Deliverables or Services (including but not limited to its technology platforms, database systems, software, applications, tools, processes and related source codes but excluding any elements which do not form part of the generic functionality of such system such as any Client data compilations or visual features or layouts created at the specific request of Client and which form part of the Deliverables).

TUPE means the Transfer of Undertakings (Protection of Employment) Regulations 2006.

Specific Definitions

Carer means a registered and approved provider of childcare services nominated by your employee wishing to use such provider.

Contract Duration has the meaning given to it in the contract form.

Notice Period has the meaning given to it in the contract form.

Service Start Date has the meaning given to it in the contract form.

Scheme Terms and Conditions means the terms and conditions which apply to Participants.