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Submitted URL: https://d2zgm304.eu1.hs-sales-engage.com/Ctc/ZV+23284/d2ZGm304/JkM8VMXNW6N2M5R6lZ3kVW5qQtgJ934kgWW8SQRSp5PVFSqV-TSHn5JTdzTW8zv6Hq8y6bt2N3...
Effective URL: https://www.cipp.org.uk/best-practice/ewa-code.html
Submission: On May 23 via api from IE — Scanned from DE
Effective URL: https://www.cipp.org.uk/best-practice/ewa-code.html
Submission: On May 23 via api from IE — Scanned from DE
Form analysis 2 forms found in the DOM
GET https://www.cipp.org.uk/site-search.html
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<input type="hidden" name="csrfToken" value="">
<input type="text" name="site_search_keyword" class="form-control search-field js-autocomplete-header-ajax" placeholder="Search here..." autocomplete="off">
<button class="btn search-btn">Search</button>
<button type="reset" class="btn reset-btn"></button>
<a href="#" class="header-search-close-button js-toggle-header-search"></a>
</form>POST https://www.cipp.org.uk/formbuilder/core/submitAction/
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<label class="col-sm-3 control-label no-padding-right" for="formbuilder_5333cf2458f5c6e30f3c68972f28f216company_name_ewa"> Company name <em class="required" role="presentation">
<sup>*</sup>
</em>
</label>
<div class="col-sm-9">
<div class="clearfix">
<div class="input-with-tooltip ">
<input type="text" id="formbuilder_5333cf2458f5c6e30f3c68972f28f216company_name_ewa" class=" form-control" name="company_name_ewa" value="" placeholder="" tabindex="1">
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<div class="form-group ">
<label class="col-sm-3 control-label no-padding-right" for="formbuilder_5333cf2458f5c6e30f3c68972f28f216first_name"> First name <em class="required" role="presentation">
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<input type="text" id="formbuilder_5333cf2458f5c6e30f3c68972f28f216last_name" class=" form-control" name="last_name" value="" placeholder="" tabindex="3">
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<div class="form-group ">
<label class="col-sm-3 control-label no-padding-right" for="formbuilder_5333cf2458f5c6e30f3c68972f28f216email"> Email <em class="required" role="presentation">
<sup>*</sup>
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<div class="form-group ">
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<div class="col-sm-9">
<div class="clearfix">
<div class=" ">
<input type="text" id="formbuilder_5333cf2458f5c6e30f3c68972f28f216tel_number" class=" form-control" name="tel_number" value="" placeholder="" tabindex="5">
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<div class="form-group with-tooltip">
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<sup>*</sup>
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<a href="#" class="tooltip js-show-tooltip tooltipstered"></a>
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<div class="form-group ">
<label class="col-sm-3 control-label no-padding-right" for="formbuilder_5333cf2458f5c6e30f3c68972f28f216tick_here_ewa"> Declare your intent <em class="required" role="presentation">
<sup>*</sup>
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<div class="col-sm-9">
<div class="clearfix">
<div class=" ">
<div class="checkbox">
<label>
<input type="checkbox" id="formbuilder_5333cf2458f5c6e30f3c68972f28f216tick_here_ewa" name="tick_here_ewa" value="1" class="" tabindex="7"> I attest that our company intends to be compliant with the EWA Code of Practice and will
complete all requirements for the independent audit. </label>
</div>
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<div class="form-group">
<div class="col-sm-3"></div>
<div class="col-md-9">
<div class="g-recaptcha" data-sitekey="6LdxpscSAAAAAM66FvD_IIEZ1cmyByHfNdEsHl4K" data-tabindex="8">
<div style="width: 304px; height: 78px;">
<div><iframe title="reCAPTCHA" width="304" height="78" role="presentation" name="a-fkdr3be5o72g" frameborder="0" scrolling="no"
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</div><iframe style="display: none;"></iframe>
</div>
</div>
</div>
<div class="form-group">
<div class="col-md-offset-3">
<div class="col-md-9">
<button class="btn" tabindex="9">Submit</button>
</div>
</div>
</div>
</form>Text Content
Please note: This website includes an accessibility system. Press Control-F11 to adjust the website to the visually impaired who are using a screen reader; Press Control-F10 to open an accessibility menu. Accessibility Popup heading Close * Press ↵ Enter for Accessibility for blind people who use screen readers * Press ↵ Enter for Keyboard Navigation * Press ↵ Enter for Accessibility menu THIS WEBSITE USES COOKIES The CIPP website uses cookies to personalise content and ads, to provide social media features and to analyse our traffic. We also share information about your use of our site with our social media, advertising and analytics partners, who may combine it with other information that you’ve provided to them, or that they’ve collected from your use of their services. To make changes to your cookies, click 'More options' below. Do not sell or share my personal information Use necessary cookies only AgreeMore options Agree Use necessary cookies only Allow selection Allow all cookies Necessary Preferences Statistics Marketing More options Cookie declaration [#IABV2SETTINGS#] About Necessary (38) Preferences (4) Statistics (34) Marketing (42) Unclassified (0) Necessary cookies help make a website usable by enabling basic functions like page navigation and access to secure areas of the website. The website cannot function properly without these cookies. NameProviderPurposeExpiryTypeAI_bufferTechSmithUsed in context with the "AI_sentBuffer" in order to limit the number of data-server-updates (Azure). This synergy also allows the website to detect any duplicate data-server-updates. SessionHTMLAI_sentBufferTechSmithUsed in context with the "AI_buffer" in order to limit the number of data-server-updates (Azure). This synergy also allows the website to detect any duplicate data-server-updates. SessionHTMLobject(#-#-##:#:#.#)TechSmithHolds the users timezone.SessionHTML#.#-#-#-#-#.ackTypeformUsed to contain user’s survey and quiz answers in Local Storage.PersistentHTML#.#-#-#-#-#.inProgressTypeformUsed to contain user’s survey and quiz answers in Local Storage.PersistentHTML#.#-#-#-#-#.queueTypeformUsed to contain user’s survey and quiz answers in Local Storage.PersistentHTML#.#-#-#-#-#.reclaimEndTypeformUsed to contain user’s survey and quiz answers in Local Storage.PersistentHTML#.#-#-#-#-#.reclaimStartTypeformUsed to contain user’s survey and quiz answers in Local Storage.PersistentHTMLcf_clearancecipp.org.ukThis cookie is used to distinguish between humans and bots. 1 yearHTTP__cfruidZendeskThis cookie is a part of the services provided by Cloudflare - Including load-balancing, deliverance of website content and serving DNS connection for website operators. SessionHTTPrc::awww.recaptcha.netThis cookie is used to distinguish between humans and bots. This is beneficial for the website, in order to make valid reports on the use of their website.PersistentHTMLrc::cwww.recaptcha.netThis cookie is used to distinguish between humans and bots. SessionHTML1.gifCookiebotUsed to count the number of sessions to the website, necessary for optimizing CMP product delivery. SessionPixelAnalyticsSyncHistoryLinkedInUsed in connection with data-synchronization with third-party analysis service. 30 daysHTTPli_gcLinkedInStores the user's cookie consent state for the current domain180 daysHTTPJSESSIONIDNew RelicPreserves users states across page requests.SessionHTTP__cf_bm [x2]Dotmailer VimeoThis cookie is used to distinguish between humans and bots. This is beneficial for the website, in order to make valid reports on the use of their website.1 dayHTTPASP.NET_SessionIdTechSmithPreserves the visitor's session state across page requests.SessionHTTPeupubconsentcdn.cookielaw.orgDetermines whether the user has accepted the cookie consent box. SessionHTTPincap_ses_#TechSmithPreserves users states across page requests.SessionHTTPnlbi_#TechSmithUsed to ensure website security and fraud detection.SessionHTTPOptanonConsentcdn.cookielaw.orgDetermines whether the visitor has accepted the cookie consent box. This ensures that the cookie consent box will not be presented again upon re-entry. 1 yearHTTPvisid_incap_#TechSmithPreserves users states across page requests.1 yearHTTP__zlcstore [x2]Zendesk www.cipp.org.ukThis cookie is necessary for the chat-box function on the website to function.PersistentHTMLZD-suidZendeskUnique id that identifies the user's session.PersistentHTMLAWSALBTGTypeformRegisters which server-cluster is serving the visitor. This is used in context with load balancing, in order to optimize user experience. 7 daysHTTPAWSALBTGCORSTypeformRegisters which server-cluster is serving the visitor. This is used in context with load balancing, in order to optimize user experience. 7 daysHTTPtest_rudder_cookieRudderStackThis cookie determines whether the browser accepts cookies.1 yearHTTP_cfuvidVimeoPendingSessionHTTPBIGipServer#On24Used to distribute traffic to the website on several servers in order to optimise response times.SessionHTTP__zlcidZendeskThis cookie is necessary for the chat-box function on the website to function.SessionHTTPCookieConsent [x2]Cookiebot www2.cipp.org.ukStores the user's cookie consent state for the current domain1 yearHTTPbscookieLinkedInThis cookie is used to identify the visitor through an application. This allows the visitor to login to a website through their LinkedIn application for example.1 yearHTTPai_sessionMicrosoftPreserves users states across page requests.1 dayHTTPAWSALBCORSZendeskRegisters which server-cluster is serving the visitor. This is used in context with load balancing, in order to optimize user experience. 7 daysHTTP Preference cookies enable a website to remember information that changes the way the website behaves or looks, like your preferred language or the region that you are in. NameProviderPurposeExpiryType__zlcstoreZendeskNecessary for the functionality of the website's chat-box function. SessionHTTPZD-storeZendeskRegisters whether the self-service-assistant Zendesk Answer Bot has been displayed to the website user.PersistentHTMLtf_random_idTypeformUsed to implement forms on the website.PersistentHTMLtf_respondent_ccTypeformUsed to implement forms on the website.6 monthsHTTP Statistic cookies help website owners to understand how visitors interact with websites by collecting and reporting information anonymously. NameProviderPurposeExpiryTypec.gifMicrosoftCollects data on the user’s navigation and behavior on the website. This is used to compile statistical reports and heatmaps for the website owner.SessionPixelrl_anonymous_idTypeformRegisters statistical data on users' behaviour on the website. Used for internal analytics by the website operator. PersistentHTMLrl_group_idTypeformRegisters statistical data on users' behaviour on the website. Used for internal analytics by the website operator. PersistentHTMLrl_group_traitTypeformRegisters statistical data on users' behaviour on the website. Used for internal analytics by the website operator. PersistentHTMLrl_sessionTypeformCollects data on the user's visits to the website, such as the number of visits, average time spent on the website and what pages have been loaded with the purpose of generating reports for optimising the website content.PersistentHTMLrl_traitTypeformRegisters statistical data on users' behaviour on the website. Used for internal analytics by the website operator. PersistentHTMLrl_user_idTypeformRegisters statistical data on users' behaviour on the website. Used for internal analytics by the website operator. PersistentHTML_clck [x2]MicrosoftCollects data on the user’s navigation and behavior on the website. This is used to compile statistical reports and heatmaps for the website owner.1 yearHTTP_clskMicrosoftRegisters statistical data on users' behaviour on the website. Used for internal analytics by the website operator. 1 dayHTTP_ga [x4]GoogleRegisters a unique ID that is used to generate statistical data on how the visitor uses the website.2 yearsHTTP_ga_# [x4]GoogleUsed by Google Analytics to collect data on the number of times a user has visited the website as well as dates for the first and most recent visit. 2 yearsHTTP_gatGoogleUsed by Google Analytics to throttle request rate1 dayHTTP_gidGoogleRegisters a unique ID that is used to generate statistical data on how the visitor uses the website.1 dayHTTPcollectGoogleUsed to send data to Google Analytics about the visitor's device and behavior. Tracks the visitor across devices and marketing channels.SessionPixel_hjSession_#HotjarCollects statistics on the visitor's visits to the website, such as the number of visits, average time spent on the website and what pages have been read.1 dayHTTP_hjSessionUser_#HotjarCollects statistics on the visitor's visits to the website, such as the number of visits, average time spent on the website and what pages have been read.1 yearHTTP_hjTLDTestHotjarRegisters statistical data on users' behaviour on the website. Used for internal analytics by the website operator. SessionHTTPZD-buidZendeskUnique id that identifies the user on recurring visits.PersistentHTMLdd_cookie_test_#TypeformRegisters data on visitors' website-behaviour. This is used for internal analysis and website optimization. 1 dayHTTPtracking_session_idTypeformDetermines when the visitor last visited the different subpages on the website, as well as sets a timestamp for when the session started.1 dayHTTPp.gifTechSmithKeeps track of special fonts used on the website for internal analysis. The cookie does not register any visitor data. SessionPixelvuidVimeoCollects data on the user's visits to the website, such as which pages have been read.2 yearsHTTProutewww.cipp.org.ukRegisters statistical data on users' behaviour on the website. Used for internal analytics by the website operator. SessionHTTP_cltkMicrosoftRegisters statistical data on users' behaviour on the website. Used for internal analytics by the website operator. SessionHTMLCLIDMicrosoftCollects data on the user’s navigation and behavior on the website. This is used to compile statistical reports and heatmaps for the website owner.1 yearHTTPtdGoogleRegisters statistical data on users' behaviour on the website. Used for internal analytics by the website operator. SessionPixelai_userMicrosoftUsed by Microsoft Application Insights software to collect statistical usage and telemetry information. The cookie stores a unique identifier to recognize users on returning visits over time.1 yearHTTP Marketing cookies are used to track visitors across websites. The intention is to display ads that are relevant and engaging for the individual user and thereby more valuable for publishers and third party advertisers. NameProviderPurposeExpiryTypeMR [x2]MicrosoftUsed to track visitors on multiple websites, in order to present relevant advertisement based on the visitor's preferences. 7 daysHTTPMUID [x2]MicrosoftUsed widely by Microsoft as a unique user ID. 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This pairing service is provided by third party advertisement hubs, which facilitates real-time bidding for advertisers. SessionPixel#-visitorIdTypeformPendingPersistentHTML__tld__RudderStackUsed to track visitors on multiple websites, in order to present relevant advertisement based on the visitor's preferences. SessionHTTPattribution_user_idTypeformUsed in context with the website’s pop-up questionnaires and messengering. The data is used for statistical or marketing purposes.1 yearHTTP___utmvcTechSmithCollects information on user behaviour on multiple websites. 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We do not use cookies of this type. [#IABV2_LABEL_PURPOSES#] [#IABV2_LABEL_FEATURES#] [#IABV2_LABEL_PARTNERS#] [#IABV2_BODY_PURPOSES#] [#IABV2_BODY_FEATURES#] [#IABV2_BODY_PARTNERS#] Cookies are small text files that can be used by websites to make a user's experience more efficient. The law states that we can store cookies on your device if they are strictly necessary for the operation of this site. For all other types of cookies we need your permission. This site uses different types of cookies. Some cookies are placed by third party services that appear on our pages. You can at any time change or withdraw your consent from the Cookie Declaration on our website. Learn more about who we are, how you can contact us and how we process personal data in our Privacy Policy. Please state your consent ID and date when you contact us regarding your consent. Cookie declaration last updated on 15.05.24 by Cookiebot Search * Join * Login to My CIPP * * Membership * JOIN ONLINE NOW * Chartered membership * Free apprentice student membership * The CIPP's Payroll Reference Book * Meet our members * Meet the Advisory team * Training and education * Qualifications and certificates * Payroll training courses * In-house learning * International payroll training * Events * Events calendar * Annual Conference and Exhibition * National Payroll Week * Annual Excellence Awards * Event sponsorship opportunities * CIPP Payroll Live * Best practice * Payroll Assurance Scheme (PAS) * Consultancy * Earned Wage Access (EWA) Code of Practice * PAYE health check * Automatic enrolment audit (Delivered by Sanctum Software) * ACT - Assess Customise Train (Delivered by The Payroll Centre) * Financial education * Payroll resources * Browse resource library * Professional magazine * News * Understanding your payslip online tool * Policy research and reports * Payroll careers * Payroll as a career * Looking for a job in payroll? * Payroll career resources * About us * Our vision and purpose * Institute information * CIPP members' code of conduct * Meet the team * Careers at CIPP * CIPP climate pledge * Contact us * IPP end point assessment * IPP Education as an EPAO * CIPP and payroll apprenticeships 1. Homepage 2. Best practice 3. Earned Wage Access (EWA) Code of Practice EARNED WAGE ACCESS (EWA) CODE OF PRACTICE The CIPP has united with seven leading UK providers of EWA to create an ‘EWA Code of Practice’. This Code was written in response to a recommendation by the Financial Conduct Authority (FCA) and sets the common standard for firms providing EWA products to deliver good consumer outcomes. To be compliant with the Code, each provider must undergo a regular independent assurance assessment. We see the growth of EWA as one of the biggest current trends within payroll. More than 1 in 10 UK employers now offer EWA to their workforce*, and the majority of workers say they'd see an employer as a better place to work, if EWA was offered**. Providing an equivalent service is already a legal requirement in countries such as France, Spain, Italy and Portugal. In line with the FCA Woolard Review recommendation, we encourage organisations considering the introduction of EWA to read the Code to better understand what providers can and should be doing to deliver good consumer outcomes. *CIPD Reward Management Survey, 2022 **EY - Payroll That Works For All, 2020 -------------------------------------------------------------------------------- INDEPENDENT ASSURANCE ASSESSMENT TRUSTED PROVIDERS ONLY The FCA's Woolard Review encouraged the creation of this code, recommending that major employers should only contract with providers adhering to it. INDEPENDENTLY AUDITED Providers who adhere to the code are audited on an annual basis by an independent body to ensure standards are upheld. The first audit will take place in Q2 2024 and is open to all providers. The following providers have expressed their interest in complying with the Code, and plan to participate in the next audit in Q2 2024: -------------------------------------------------------------------------------- EWA DEFINITION Earned Wage Access (EWA) products, also known as Employer Salary Advance Schemes (ESAS), Flexible Pay or On-Demand Pay, is a financial service that allows employees to access a portion of their earned wages before their regular payday. COMMITMENTS OF THE EWA CODE OF PRACTICE 1. Product Design and Value: Firms will design EWA products and services that meet the needs of employees and provide fair value to consumers. 2. Communicating with Consumers: Firms will communicate with consumers in a way that is clear, fair, and not misleading; allowing consumers to make informed decisions. 3. Vulnerability: Firms will act to deliver good outcomes and consistently fair treatment to vulnerable consumers in relation to the EWA products. 4. Ongoing Consumer Support: Firms will support consumers to realise the benefits of EWA products and services in pursuit of their financial objectives. 5. Product Governance: Firms will continuously manage EWA products and identify where products no longer provide fair value or meet consumer needs. 6. Oversight and Measuring Outcomes: Firms will monitor the outcomes that they are delivering to consumers through appropriate management information. 7. Appropriate Consumer Relationships and Conflicts of Interest: Firms will maintain appropriate consumer relationships and avoid conflicts of interest which lead to consumer harm. 8. Training and Competency: Firms will train staff to provide suitable service and support to consumers. Staff will feel comfortable in the roles they take on. 9. Assurance: Firms will commit to annually assuring that they meet the measures outlined within the Code and deliver good outcomes for consumers. WANT TO BECOME EWA COMPLIANT? COMPLETE THE FORM BELOW. Company name * First name * Last name * Email * Telephone number Company logo * Browse... Declare your intent * I attest that our company intends to be compliant with the EWA Code of Practice and will complete all requirements for the independent audit. Submit *denotes a mandatory field READ THE FULL CODE ALSO OF INTEREST PAYROLL ASSURANCE SCHEME (PAS) The CIPP payroll assurance scheme aims to ensure your payroll processes and people are up to date and compliant. CONSULTANCY CIPP Consult provides independent payroll, reward, benefits and HR advice FINANCIAL EDUCATION The CIPP works with a number of organisations who assist in delivering financial education; and volunteers who deliver basic training within schools, colleges and universities. THE CIPP IN NUMBERS 9.5K+ People benefitting from CIPP membership* 2,800+ Delegates on CIPP training courses last year 15K+ CIPP professionally qualified individuals in the UK 10 One of the top 10 not-for-profit organisations in the UK CIPP, Goldfinger House 245 Cranmore Boulevard Shirley, Solihull, B90 4ZL Tel: +44 (0) 121 712 1000 Email: admin@cipp.org.uk USEFUL LINKS * Contact us * Royal Charter * Events * Payroll compliance * Disclaimer * Privacy and cookie policy * About Us * Payroll training courses * Qualifications * Consult * Terms and conditions Copyright © 2024 The Chartered Institute of Payroll Professionals (CIPP) Web design by Pixl8