Likely, you didn't receive your welcome email because we don't have your details from your employer just yet! Usually, your account is created on the same day when your first contributions have been forwarded to us by your employer.
Not to worry, though - if you'd like to opt out of your employer's pension scheme, you have 1 month to do so from the day you receive the welcome email from Penfold.
You can find more information regarding how to opt out in the following article.
It's also possible you didn't receive the welcome email due to a typo in your email address, or the welcome email might have ended up in your spam folder. Please make sure to check your spam/junk mail. If you haven't received the email yet, it's best to get in touch with us at hello@getpenfold.com so we can look into it.