We ask that you take a few minutes to read through these terms
and conditions for the use of The Children's Mutual web site ("the
Site"). If you do not agree with any of them, you should log out
immediately – by continuing to use this Site, you agree to be bound
by these terms and conditions, as they may be amended from time to
time.
Who we are
The Children's Mutual, PO Box 2067, Gloucester
GL4 3YU
Tel: 0845 077 1899
Email: mail@thechildrensmutual.co.uk
Website: http://www.thechildrensmutual.co.uk/
The Children's Mutual is a trading name of the
Tunbridge Wells Equitable Group, which comprises: Tunbridge Wells
Equitable Friendly Society Limited, incorporated in the United
Kingdom under the Friendly Societies Act 1992, registered no. 190F,
FSA registered no. 109990; and Tunbridge Wells Equitable
Investments Company Limited, registered in England under the
Companies Act 1985, registered no. 4315370, FSA registered no.
208027. Both are authorised and regulated by the Financial Services
Authority and are members of the Financial Ombudsman Service.
Registered Office: Brockbourne House, 77 Mount Ephraim, Tunbridge
Wells, Kent, TN4 8GN. You can check the details of our
authorisation on the FSA's register by visiting the FSA's website
http://www.fsa.gov.uk/register/home.do or by contacting the FSA on
0845 606 1234.
Tunbridge Wells Equitable Friendly Society Limited was
established in 1881.
Who you are
Although the Site can be accessed by anyone in the world, the
products and services that we offer are only available to United
Kingdom residents and residents of Jersey, Guernsey, Isle of Man
and Gibraltar. If you are not resident in any of these territories
we ask you to log out now: you should be aware that any further use
of the Site is at your own risk. Child Trust Fund products are
available to children of UK residents and Crown employees serving
overseas only. The tax advantages of some of our other products are
available to UK residents only.
Site content
The site provides information only in respect of products and
services provided by us, or by any member of the Tunbridge Wells
EquitableGroup. We do our best to ensure that the information on
the Site is accurate. We give no warranties of any kind, express or
implied, with regard to the accuracy, timeliness or completeness of
any such information.
The information on the Site does not constitute financial advice
nor an offer for services or products. Should you wish to proceed,
you should obtain your own independent advice in relation to
whether the product is appropriate for your needs and
expectations.
Copyright/database right
The Site contains copyright material and other proprietary
information. Tunbridge Wells Equitable Friendly Society Limited
owns the copyright and/or database right in the selection,
coordination, arrangement and enhancement of such content, as well
as in the content itself. You may not modify, publish, transmit,
create derivative works, or in any way exploit, any of the content,
in whole or in part except as provided in these terms and
conditions. You are permitted to print off a copy of these terms
and conditions and retain them for reference purposes.
Trademarks
The Children's Mutual™ and The Children's Mutual logo are
trademarks of Tunbridge Wells Equitable Friendly Society Limited .
You may not use the same or similar trade marks without our
consent. Baby Bond® is a registered trade mark of Tunbridge Wells
Equitable Friendly Society Limited.
In addition, we may use trademarks of third parties with whom we
are not connected. Those trade marks are the property of their
respective owners and we intend no infringement by using them.
Linking
We provide hypertext links to sites operated by other companies
and third partieswith whom we are not connected. Using such a link
means that you are leaving our Site and we take no responsibility
for and give no warranties, guarantees or representations in
respect of linked sites. Whilst we are authorised and regulated by
the Financial Services Authority, please note that sites operated
by third parties who link to us or we link to may not be.
Our liability to you
We provide software on the site for indicative purposes only and
you agree that you use that software entirely at your own risk.
In no event shall we be liable to you for any direct or indirect
or consequential loss, loss of profit, revenue or good will arising
from your use of or inability to use the Site or information on the
Site, data loss, damage or loss caused by any computer viruses or
use of the software available on the Site. Subject as provided
below, all terms implied by law are excluded.
We do accept liability for death or personal injury caused by
our negligence or responsibility for fraudulent misrepresentation
that cannot, under English law, be excluded.
Changes
We reserve the right to make changes to the Site and/or to these
terms and conditions at any time. Please make sure that you read
them each time you log on as your continuing use of the Site means
that you accept the terms and conditions, as amended from time to
time.
Use of site
We may in our sole discretion terminate your access to or use of
this Site for any reason, including without limitation where we
believe that you have not acted in accordance with these terms and
conditions.
Security
We take greatcare to ensure the protection of the personal
details that you provide to us, view our Privacy Policy.
However, it is possible, albeit remotely, that a third party could
intercept your details. We therefore cannot guarantee the privacy
or confidentiality of any of your details submitted to us
electronically.
There is also a remote risk of you downloading a computer virus
by downloading information from the Site. We check the Site for
viruses, but we recommend that you install and use a virus-checker
to scan information arriving on your PC or Apple Macintosh.
Privacy and data protection
Please read our Privacy Policy which explains how we use
information that you provide to us and asks you for your consent to
us using your information for various purposes.
Governing law
Your use of the Site in accordance with these terms and
conditions is a legal agreement between us. English law will apply
to that agreement, notwithstanding the jurisdiction where you are
based. You irrevocably agree that the courts of England will have
exclusive jurisdiction to settle any dispute which may arise out
of, under, or in connection with these terms and conditions and for
those purposes irrevocably submit all disputes to the jurisdiction
of the English courts. The place of performance shall be
England.
We make no warranty or guarantee that the Site or information
available over it complies with laws other than those of
England.
If you have any queries relating to the web site or these terms
and conditions please email us. E-mail : webmaster@thechildrensmutual.co.uk