We ask that you take a few minutes to read through these terms and conditions for the use of The Children’s Mutual website (“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 1137, Cheltenham GL50 9QS
Tel: 0845 077 1899
Email: mail@thechildrensmutual.co.uk
Website: http://www.thechildrensmutual.co.uk/
The Children’s Mutual is a trading name of Forester Fund Management Ltd. Registered Office: Forester Fund Management Ltd, Foresters House, 2 Cromwell Avenue, Bromley BR2 9BF. Registered in England number 4315370. Forester Fund Management Limited is authorised and regulated by the Financial Conduct Authority.
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 – that is people living in England, Wales, Scotland and Northern Ireland, plus Crown Servants. If you are not resident in the United Kingdom 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 and Junior ISA 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 Forester Fund Management Ltd or by other selected partner firms. 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. Forester Fund Management Ltd 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(TM) and The Children’s Mutual logo are trademarks of Forester Fund Management Ltd. You may not use the same or similar trade marks without our consent. Baby Bond® is a registered trade mark of Forester Fund Management Ltd.
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 parties with 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 great care 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 other devices.
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 website or these terms and conditions please email us. E-mail : webmaster@thechildrensmutual.co.uk