Onsi Club

Last Updated: September 2023

Membership Guide

Welcome to your Onsi Club, a club specifically designed to offer support for the UK's growing community of Flexible Workers.

While there are lots of benefits of flexible work, it can be difficult and expensive to access the protections, benefits and tools you need to live and work without compromise. Until now.

By becoming a member of Onsi you can access and build your own financial safety net and benefits. These include discounts that matter, access to digital wellness tools and pay when you most need it – such as when your sick or injured or taking time off to spend time with a new child.

We've built the Onsi Club with you in mind and hope you find the benefits and services available help in weathering the unforeseen storms and challenges you may face.

Introduction

1. This membership guide provides information about your Onsi Club, which has been set up by Onsi, a trading name of Collective Benefits Ltd, a company incorporated and registered in England and Wales with company number 12340959 whose registered office is at 101 New Cavendish Street, 1st Floor South, London, W1W 6XH ("Onsi")
2. Onsi has established this Onsi Club for the benefit of its members in accordance with Onsi Club rules which are annexed to this membership guide ("Rules").
3. The benefits you receive as a Onsi Club member may include group insurance policies which are promoted, administered and arranged by Collective Society Ltd ("Collective Society"). Collective Society is a company incorporated and registered in England and Wales under company number 11789182, whose registered office is at 101 New Cavendish Street, 1st Floor South, London W1W 6XH. Collective Society is authorised and regulated by the Financial Conduct Authority ("FCA") to conduct insurance distribution activities (reference number 923788. This information can be verified by checking the Financial Services Register on the FCA's website (www.fca.org.uk) or by contacting the FCA by telephone on 0300 500 8082.
4. Onsi may also be the named policyholder of group policies arranged by Collective Society.
5. Onsi has appointed Collective Society as administrator of this Onsi Club, including:
   • providing the online platform via which you can access your dashboard of benefits;
   • collecting and handling membership fees;
   • administrating with changes to benefits and circumstances of members;
   • arranging insurance policies and payment of premiums; and
   • appointing a third-party claims administrator to handle claims
6. The Rules set out members' rights and obligations and give details of how the club is governed.

What benefits are available to Onsi Club members?

Members have access to a range of protections, benefits and rewards Onsi Club is constantly developing and improving the benefits including sick and injury pay, digital wellness tools and access to deals and discounts. The latest benefits we offer can be found at www.onsi.com

Annex - The Rules

1. Definitions and Interpretation:

1.1 The following definitions and rules of interpretation apply to the Rules:

"Administrator" means the administrator of the Club, appointed by Onsi to administer membership, provide an online Club platform, arrange insurance and other benefits, collect Membership Fees and provide customer services to the Club.

"Affiliates" means an entity that directly or indirectly controls, is controlled by, or is under common control with another entity;

"Benefit" means an actual or prospective entitlement to Insurance Products and other unregulated benefits via the Club;

"Club" means the club established by Onsi to which these rules apply;

"Club Officers" means the directors of Onsi as may change from time to time;

"Collective Society" means Collective Society, a company incorporated and registered in England and Wales under company number 11789182, whose registered office is at 101 New Cavendish Street, 1st Floor South, London W1W 6XH. Collective Society is directly authorized and regulated by FCA to conduct insurance distribution activities (reference number 923788).

"Onsi App" means your online Club platform, where details of your benefits and of administrative arrangements pertinent to those benefits can be found;

"Flexible Worker" means an individual who performs flexible, task or shift based work.

"Insurance Business" means any insurances or reinsurances falling within the definition of "contract of insurance" in Article 3(1) of the Financial Services and Markets Act 2000 (Regulated Activities) Order 2001 or as amended together with insurances concluded under any contracts for insurance;

"Insurance Product" means a group policy of insurance issued by an Insurer to Onsi as policyholder, for the benefit of Members, who for the avoidance of doubt, must be Insured;

"Insured" means individuals named under the group policy;

"Insurer" means a UK regulated insurer underwriting one or more Insurance Products;

"Member" means a Flexible Worker admitted as a member of the Club following payment of the Membership Fee and as long as that person continues to pay Membership Fees as they become due.

"Membership Fee" means the fees payable in consideration of receiving benefits from the Club;

"parties" means you, us, Collective Society and the Insurer;

"Premium" means the total amount of premium payable including insurance premium tax in respect of an Insurance Product and includes new business premium, renewal premium and additional premium;

"Purpose" has the meaning given in Rule 3;

"Rules" means these rules and any amendments or modifications to them;

"you" or "your" means you whilst you are a Member; and

"we", "us" or "our" means Onsi, a trading name of Collective Benefits Ltd, a company incorporated and registered in England and Wales with company number 12340959 whose registered office is at 101 New Cavendish Street, 1st Floor South, London W1W 6XH.

1.2 Interpretation

1. Reference to a statute or statutory provision is a reference to it as amended or re-enacted. Reference to a statute or statutory provision includes all subordinate legislation made under that statute or statutory provision.
2. Any words following the terms including, include, in particular, for example or any similar expression, shall be construed as illustrative and shall not limit the sense of the words, description, definition, phrase or term preceding those terms.
3. Unless the context otherwise requires, words in the singular shall include the plural and in the plural shall include the singular.
4. A reference to writing or written includes fax and email.

1.3 From time to time, it may be necessary for us to amend or supersede the Rules by new rules, which will be communicated to you in writing.

2. The structure of the Club

2.1 The Club is an unincorporated association established and owned by us for the benefit of its Members and will be run in accordance with these Rules.

2.2 Collective Society will be the Administrator and will be responsible for carrying out the functions set out in these Rules or imposed on the Administrator under the Financial Services and Markets Act 2000.

2.3 Collective Society is part of the Collective Group of companies and is therefore an Affiliate.

2.4 We are the named policyholder of Insurance Products purchased by us for the benefit of Members.

2.5 These Rules shall not override the terms of any underlying or connected contract for or of Insurance Business.

3. The purpose of the Club

The purpose of the Club is to provide work related support and benefits to Flexible Workers.

4. Application for membership

4.1 It is a condition of Membership that the Member is a Flexible Worker.

4.2 The Administrator, on behalf of the Club, may without giving any reason, refuse Membership of the Club to any person.

5. Our obligations

We will:

5.1 instruct the Administrator to provide the benefits in accordance with the Rules;

5.2 be the policyholder of Insurance Products for the benefit of those Members Insured; and

5.3 have procedures in place to protect Members against any potential conflict of interest between us and the Administrator, including the appointment of a non-executive director who is not also a director of the Administrator and who will have the casting vote in deciding whether to uphold a member's complaint concerning the Administrator.

6. Your obligations

You will:

1. ensure that Membership Fees are paid on time;
2. tell the Administrator if you cease to be a Flexible Worker;
3. comply with the terms of business (as amended from time to time) of the Administrator; and
4. comply with the Rules.

If you do not fulfill your obligations under this clause 6:

1. any Insurance Product that forms part of your benefits may be cancelled by the Insurer in accordance with any cancellation clause in the Onsi policy; and
2. your membership may be suspended or cancelled.

7. Digital Documents

1. We and / or the Administrator will send to you any documents digitally, including documents relating to any Insurance Product.
2. You agree to receiving all documents digitally, including documents relating to any Insurance Product.
3. If you do not consent to receiving documents digitally, including documents relating to any Insurance Product, you must tell the Administrator.

8. Club finances

1. We will set annual Membership Fees at a level that will enable the Club to achieve its Purpose and which will depend on the level of benefit a Member requires.
2. We reserve the right to increase the Membership Fees and will notify you in advance of the same.
3. We will process all Membership Fees as collected by the Administrator.

9. Amendment of the Rules

9.1 We may from time to time alter, add to or delete all or part of the Rules. We will give you at least 30 days' notice of any changes to the Rules.

10. Data protection and confidentiality

10.1 We will only use your personal information as set out in our privacy policy.

10.2 Information about you of a sensitive or personal nature as private and confidential. We will however disclose personal information we have about you:

• where we are required to do so by law or by a regulator;
• to insurers, loss adjustors, IT service providers, administrative support and other service providers relevant to your benefits require it, to the extent necessary for us to meet out our obligations set out in Rule 4;
• to Insurers in relation to any Insurance Products you do or would like to benefit from, to enable them to decide whether to underwrite a risk;
• to loss assessors, lawyers, and other like persons to the extent necessary to enable such third parties to provide your benefits; and
• to other affiliate companies within the Collective group, the Administrator, to the extent necessary to facilitate the effective management, administration, or operation of the Club.

11. Termination of membership

11.1 Membership of the Club is only open to Flexible Workers, so you must tell the Administrator if you no longer fit the criteria for membership. Your Membership will cease from the date you notify the Administrator that you wish to terminate your Membership for any reason.

11.2 Important: Membership will cease immediately on your ceasing to be a Flexible Worker. We shall have no further obligation to provide any benefits to you.

11.3 Where applicable, Members who have an interest in benefits affected by non-payment of Membership Fees by a third party will be advised of such non-payment and given the opportunity to pay the outstanding amounts and continue their membership prior to termination of their membership.

11.4 The Club Officers have the power to expel a Member where they have failed to full their obligations set out in Rule 6.

11.5 Termination of your membership shall not affect any rights, remedies, obligations or liabilities of the parties that have accrued up to the date of termination or expiry, including the right to claim damages in respect of any breach of the agreement which existed at or before the date of termination or expiry.

12. Complaints about the Administrator/Insurer

12.1 If you have a complaint about the Administrator, you should use the procedure in this Rule 12.

1. Should you want to make a complaint about either the Administrator and/or an Insurer, you should first complain directly to the Administrator and/or Insurer in accordance with their own complaints procedure (found in their terms of business or the relevant policy wording).
2. Where your complaint is not resolved in accordance with clause a) within a reasonable period of time, write to us, providing us with as much detail about the complaint and evidence as is possible.
3. We will review your complaint and the Club Officers will make a final determination as to whether your complaint is upheld.
4. We appreciate that this complaint procedure may involve us making findings against the Administrator, who is also our Affiliate. To avoid a conflict of interest, our independent non-executive will have the final say on any complaint that you raise to us about the Administrator.
5. Where we uphold your complaint we will, as policyholder make a formal complaint on your behalf to the Administrator and/or the Insurer.
6. Where a complaint related to an Insurance Product is not resolved in accordance with clause d) and you have lost money as a result of the matter complained of, we will assist you to make a complaint to the Financial Ombudsman Service.

13. Dispute Resolution Procedure

1. If a dispute arises out of or in connection with the Rules (a "Dispute") then the parties shall follow the procedure set out in this clause 13.
2. Prior to commencing any court proceedings under clause 18 (Governing Law and Jurisdiction), we and you will:
   1. attempt in good faith to resolve any dispute or claim promptly through negotiations between respective senior executives of the parties who have authority to settle the Dispute; and
   2. if the matter is not resolved through negotiation within three months of the Dispute arising, attempt in good faith, to resolve the Dispute through mediation with the assistance of a mediator agreed between the parties or as recommended to the parties by the Centre for Effective Dispute Resolution (CEDR) or such similar organisation as the parties may agree.

14. Notices

14.1 Any notices to be given to us under the Rules shall be sent by first class recorded delivery post, by hand, or facsimile to the company secretary at our registered office. Any notices to be given to you shall be sent by first class recorded delivery post, by hand, or facsimile to the Company Secretary at your registered office.

14.2 The notice shall be deemed to have been served, if posted, at the expiration of two business days after posting and if by facsimile, or by hand, at the expiration of one business day after it was dispatched.

15. Events outside our control

15.1 We will not be liable for any delay or non-performance of our obligations under the Rules caused by an act or event beyond our control ("Event Outside Our Control") provided that we will promptly contact you to notify you of the Event Outside Our Control and use all reasonable endeavours to perform our obligations under the Rules.

15.2 You may cancel your Membership under the Rules if the Membership is affected by an Event Outside Our Control which has continued for more than 30 days. If you opt to cancel, the Administrator will refund the Fees paid, less the charges reasonably and actually incurred by us in providing benefits up to the date of the occurrence of the Event Outside Our Control.

16. Severability

If any term of the Rules, or any part of a term of the Rules, is or becomes illegal, invalid or unenforceable in any respect, then such term shall to that extent be deemed not to form part of the Rules and the remainder of the Rules will continue to remain valid and enforceable.

17. No Assignment or Waiver

17.1 A failure at any time by either you or us to enforce any right or obligation shall not be deemed to be a continuing waiver of such right or obligation. You may not assign your rights or obligations without our prior written consent. We may assign, novate or subcontract any benefits or any other insurance broking, insurance administration and/or insurance consulting services without your prior consent.

18. Governing Law and Jurisdiction

18.1 Each party irrevocably agrees that any dispute arising out of or in connection with the Rules, its subject matter, or formation shall be governed by and construed in accordance with the law of England and Wales. The courts of England and Wales shall have exclusive jurisdiction to settle any dispute or claim arising out of or in connection with the Rules, or its subject matter, or formation.