T
T&Cs
Acronym for terms and conditions. If we ever use this term, there’s no need to explain what T&Cs stand for.
Tailored Investment Bond
When we’re talking about our product, it’s always capitalised. If we’re talking generally about tailored investment bonds, there’s no need to capitalise it.
take-home pay
Not take home pay or take-home-pay
taxpayer
Not tax payer or tax-payer.
tax credits
Lower case and plural.
tax-efficient
Tax-efficient is hyphenated – but ‘tax efficiency’ and ‘tax efficiently’ isn’t.
tax-free
You could take your ‘tax-free cash’ or get a ‘tax-free lump sum’ (hyphenated) – but some of your pension is tax free (no hyphen).
The Pensions Regulator
The ‘the’ in The Pensions Regulator is officially part of the name so should always be capitalised alongside Pensions and Regulator.
till
Can be used as an alternative to until. Not til or ‘til.
times
Use the 12-hour clock, followed by am or pm (for example, 2.15pm not 14:15).
Put a full stop between the hour and minutes (not a colon) and don’t put a space between the numbers and am or pm.
top up
Not top-up.
turnover
Not turn over or turn-over
U
UK
No need to write out the United Kingdom in full. If Northern Ireland isn’t included, say Britain or Great Britain instead – and ideally make it clear that Northern Ireland isn’t included.
UK English
Of course, as a UK company, we use UK English rather than US English.
up to date
The style guide is up to date (no hyphens) but it’s an up-to-date style guide (hyphenated).
username
Not user name or user-name.
V
VAT
Always capitalised. No need to explain what VAT stands for.