> ## 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).

# What happens if I do not submit a valid opt-out notice?

If you don't submit a valid opt-out notice, the pension deductions will continue from your salary, and you will remain enrolled in the pension scheme. A valid opt out notice is required according to The Pensions Regulator.