Welcome to our membership terms. Unless otherwise stated, any reference to a member or a membership shall include reference to all our members. If you access Membership under a corporate subscription, these standard membership terms will apply to your membership as far as they are relevant. The duration of your membership is determined by the corporate subscription holder.
This is an instant access service. By registering and paying your joining fee you agree that:
- your access will start immediately; and
- you confirm that you have read and accept these membership terms.
Please see the Cancellation Terms below for your cancellation rights.
The Retirement Income Alliance Ltd. (RIA) provides services to its members to allow them to maximise their income, and the enjoyment of it, in later life. Our aim is for RIA members to be better prepared for retirement with an increased confidence to engage with the financial services market, to make better decisions and achieve better outcomes in retirement.
RIA will provide an online service that will provide its members with information in the following areas:
- Investments – this area will look at the equity based investments and strategies focussed on producing an income.
- Property – this area will look at how property can be used to generate income,
- Cash – this area will help the RIA member maximise their use of cash, including debt management.
- Pensions – this area will tackle the complex area of the income generating options available after the introduction of the pension freedoms.
- Entrepreneur – this area looks at working longer be it full time or turning a hobby into a business and deferring some or all of a pension.
- Lifestyle – this area is dedicated to the enjoyment of money and deals with topics such as travel, food, the arts, health and hobbies.
- Health and care – this area helps members make care arrangements, generally for their parents, and gives advice on health issues.
The content of the site will be updated as required to maintain an accurate and engaging website. As a minimum RIA will post in excess 365 updates and new posts every year. RIA will issue a fortnightly email to its members updating them on issues that could affect their income and enjoyment of it.
RIA will, subject to its editorial control, allow members to ‘publish’ their experiences on the site as ‘case studies’. RIA will operate a forum where members can interact and exchange views and experiences.
RIA Member Benefits
RIA will provide member benefits in the form of discounted services which are of a value in excess of the standard annual membership fee. These Benefits will consist of items such as;
- Discounted legal fees for conveyancing, wills and lasting powers of attorney.
- Helplines for IT, Legal, Tax, Social Care, etc
- Travel discounts
- An additional 10% discount on Hotpoint appliances.
The member benefits described above will change from time to time depending on the membership’s need.
RIA will send its members a magazine six times a year, where you have provided your postal address.
RIA will provide tools to help the member understand:
- Where to start with their planning.
- How much income they might need.
- How to improve their income.
- What their assets could be worth.
- What their might assets buy them.
- How long the assets might last.
RIA will supply tools that it believes best meet the needs of its membership. Therefore, the list above may change from time to time. These tools will be provided free of encumbrance in that they will not require the member to give their contact details to a sales organisation in order to view the results. Tools might be provided by third parties and the member will be informed when they move to a site or service not in the control of RIA. The providers of third party tools are not allowed to email, or in any way contact, RIA members unless the member gives their express permission.
RIA operates an ‘input once use many’ protocol so that member’s details are available as they move from tool to tool so there is no need for a member to re-enter information. This means that personal information is stored in a secure environment ready for the member to utilise.
How do I become a member?
To become a member, you register on the website, pay your joining fee and set up payment of your membership fee. Any UK resident can become a member. You must be 18 or older and have the power to enter into a contract with us and are not prevented from doing so under any local laws. By registering to become a member, you agree that you have given us accurate registration details, including payment information and will ensure that we always have up to date contact information.
How long is my membership?
Your membership will start immediately upon payment of your joining fee. Your membership will be for an initial 12 months’ term. Membership will then continue on a rolling monthly basis unless cancelled.
What does my membership cost?
You agree to pay the fees at the rates notified to you at the time you join. You will be charged a one-off Joining Fee to cover initial administration and membership set up costs. You will also be charged a monthly membership fee at the rate notified to you at the time you join. Payment can be made using most credit or debit cards or by direct credit. By submitting payment details to us, you promise that you are entitled to purchase a membership using those payment details.
Paying for your membership: If you are taking advantage of one of our trials or special offers, you will pay in full for the relevant trial or offer period in advance. Similarly, when your trial/offer period ends and your membership continues as a monthly subscription, we will collect your payments each month in advance. Full details of the cost and your payment dates will be provided to you during the registration process.
You can pay using most credit and debit cards and all such payments will be subject to validation checks and authorisation by the card issuer. If the issuer of your card refuses to authorise payment to us, then we will not be able to confirm your order and no contract will exist between us. We will usually collect your monthly subscriptions by setting up a direct debit or continuous payment authority.
Your membership details: Your username will be your selected email address and you will select your own password. Once registered, you will be able to access your membership immediately.
What happens if I default on a payment?
If you default on any payment, we may:
- terminate your membership;
- charge you for any outstanding amount remaining on the unexpired portion of your minimum membership term (subject to your membership and/or offer terms);
- send your details to third party debt collectors; and/or
- take any action which is necessary in our opinion to recover our losses.
How can we change these terms?
We may amend these terms at any time to ensure that we remain compliant with relevant laws and regulations and to ensure that we are constantly improving your membership experience. If we make any important changes to the membership terms we will notify you.
What do I need (devices and hardware)?
You may access riaonline from a desktop computer, tablet or mobile device. Whilst we aim to ensure that riaonline is accessible through all major operating platforms, we cannot guarantee that all internet providers and all operating systems provide a suitable system to enable all features of the website.
How do I make a complaint?
- by email, please email us at firstname.lastname@example.org
- by post to Member Services to Unit 6, Imperial Court, Laporte Way, Luton. LU4 8FE.
Anything else I should know?
We may at any time and at our sole discretion, terminate your membership with us where we believe that we have serious grounds to terminate (for example, for non-payment or breach of these terms).
If you are found to be abusing the terms of membership, we have the right to suspend and/or terminate your membership agreement with us.
Our memberships are subject to English law and to the exclusive jurisdiction of the English courts. Your membership is with The Retirement Income Alliance Limited (whose registered office is at Unit 6, Imperial Court, Laporte Way, Luton. LU4 8FE).
Please keep your membership details confidential to help us maintain the security of our websites. You should not allow any other person to obtain access to riaonline using your membership details.
If we need to change the price of your membership, we will always provide you with at least 30 days’ notice. If, as a result, you decide to cancel your membership, you should refer to the Cancellation Terms below.
What happens if you don’t comply with these terms? We will treat any non-compliance as a serious issue, and if we think you have breached any of these terms, we may take any action that we consider appropriate. This may include the temporary or permanent suspension of your access to our website.
How can I cancel my membership?
You cancel your membership simply by contacting us by email email@example.com from your registered email address, telling us you'd like to cancel or including the template cancellation request form below and we will action your request.
Template cancellation notice:
To: Customer Services, The Retirement Income Alliance Ltd.
I hereby give notice that I cancel my Subscription contract
Purchased on: [insert date of Subscription]
Customer Reference (username email address): [insert your Customer reference]
Your full name:
Reason for cancelling (optional):
What information do I need to cancel?
When cancelling your membership with us, please have the following information ready:
That you would like to cancel your membership with us and stating that this is a notice of cancellation; and your name and email address.
Can I get a refund if I cancel?
Your Joining Fee is not refundable. You acknowledge and agree that your initial monthly membership fee payment is for the supply of digital content for the entirety of any applicable trial period or for your first month’s membership and that you will not be entitled to receive a refund of your initial membership fee payment once you have logged in to your account.
Anything else I should know?
If you would like to cancel you can do so by following the cancellation instructions above, however you must cancel at least 15 days before your next billing date, otherwise you will be required to make your next bill payment and your membership will continue until the end of the next billing period.
Please note that if you cancel your membership, your access to our services will stop and you will be required to forfeit any membership benefits that you have received, including sign-up offers, vouchers or any other benefits connected to your membership. Please be aware that for monthly subscriptions we are unable to provide refunds in respect of periods of less than 1 month and we are unable to provide refunds in respect of your joining fee payment (in whole or in part) once you have logged in to the website service. If you have any questions about what cancelling your membership means for you, please contact us at firstname.lastname@example.org.
How can we change these Cancellation terms?
We may amend these cancellation terms at any time to ensure that we remain compliant with relevant laws and regulations and to ensure that we are constantly improving your membership experience.