> ## Documentation Index
> Fetch the complete documentation index at: https://docs.pensionsportal.ie/llms.txt
> Use this file to discover all available pages before exploring further.

# Welcome to PensionsPortal.ie

> Your platform for managing IORP II compliance as a trustee of an Irish occupational pension scheme.

# Welcome to PensionsPortal.ie

PensionsPortal.ie is built for one purpose: to help trustees of Irish occupational pension schemes meet their IORP II compliance obligations — without needing to be regulatory experts.

<Note>
  You are personally responsible for your scheme's compliance with the IORP II Directive and Irish Pensions Act. PensionsPortal.ie gives you the tools, structure, and guidance to meet that responsibility confidently.
</Note>

## What the Platform Does for You

<CardGroup cols={2}>
  <Card title="Annual Compliance Statement" icon="file-check" href="/trustee-guide/completing-your-acs">
    The ACS Wizard walks you through 20 regulatory questions and manages the dual sign-off process. Deadline: 31 January each year.
  </Card>

  <Card title="Own-Risk Assessment" icon="shield-check" href="/trustee-guide/own-risk-assessment">
    The AI-assisted ORA tool helps you assess and document risks across 8 categories. Required every 3 years or after significant change.
  </Card>

  <Card title="Key Function Holders" icon="users" href="/trustee-guide/key-function-holders">
    Manage appointments of your Risk, Internal Audit, and Actuarial KFHs, track fit & proper assessments, and meet the 30-day PA notification requirement.
  </Card>

  <Card title="Written Policies" icon="book-open" href="/trustee-guide/written-policies">
    Review, adopt, and maintain your 11 mandatory written policies — including the new DORA policy — with a built-in 3-year review cycle.
  </Card>

  <Card title="OMA Transition" icon="calendar-clock" href="/trustee-guide/oma-deadline">
    If your scheme is a one-member arrangement, the OMA Triage Tool helps you assess your options before the April 2026 deadline.
  </Card>

  <Card title="AI Compliance Assistant" icon="sparkles" href="/trustee-guide/ai-assistant">
    Ask plain-language questions about your obligations. The AI is grounded in Pensions Authority regulatory documents — and every answer requires your approval before it becomes part of the record.
  </Card>
</CardGroup>

## Your Personal Liability Under IORP II

Under the IORP II Directive (transposed into Irish law via the IORP II Regulations 2021 and Pensions Act), **trustees are personally responsible** for ensuring their scheme is compliant. This isn't just a corporate obligation — it sits with you as an individual trustee.

Key points:

* The Pensions Authority (PA) can investigate, direct, and sanction trustees directly
* Non-compliance can result in PA enforcement action, directions to remedy, and potential personal liability
* The PA expects trustees to demonstrate an active, documented compliance posture — not a passive one

<Warning>
  Ignorance of the requirements is not a defence. The PA expects trustees to know their obligations and act on them.
</Warning>

PensionsPortal.ie creates a documented, time-stamped compliance record showing the PA that your scheme is actively managed.

## How to Get Started

<Steps>
  <Step title="Review your obligations">
    Read [Your IORP II Obligations](/trustee-guide/your-obligations) for a plain-language summary of what you must do and when.
  </Step>

  <Step title="Complete your Annual Compliance Statement">
    If you haven't filed your ACS yet, go to [Completing Your ACS](/trustee-guide/completing-your-acs). The deadline is 31 January each year.
  </Step>

  <Step title="Check your Key Function Holders">
    Confirm your Risk, Internal Audit, and Actuarial KFHs are appointed and notified to the PA. See [Key Function Holders](/trustee-guide/key-function-holders).
  </Step>

  <Step title="Review your Compliance Calendar">
    See all upcoming deadlines in your [Compliance Calendar](/trustee-guide/compliance-calendar).
  </Step>
</Steps>