> ## Knowledge Base Index
> Fetch the complete knowledge base index at: https://help.collegia.co.uk/sitemap.xml
> Use this file to discover available pages before exploring further.
> Pure-Markdown content can be obtained by appending a '.md' suffix to the content URLs listed in the sitemap (without the trailing slash).

# Is there a deadline for opting out and getting a refund?

If you submit a valid opt-out notice according to The Pensions Regulator within 30 days since being enrolled, the pension contributons that have been deducted will be refunded directly by your employer.