Legal

Terms of use

This page (together with the documents referred to on it) tells you the terms of use on which you may make use of our website www.forestersfriendlysociety.co.uk (‘Website'), whether as a guest or a registered user. Please read these terms of use carefully before you start to use the Website. By using our Website, you indicate that you accept these terms of use and that you agree to abide by them. If you do not agree to these terms of use, please refrain from using our Website.

Registered office address: 29-33 Shirley Road, Southampton, SO15 3EW.
Incorporated Friendly Society No. 511F.

Our statutory disclosure can be checked on the FSA's Register by visiting the FSA's website http://www.fsa.gov.uk/register, or by contacting the FSA on 0845 6061234.

The Principles and Practices of Financial Management

The Principles and Practices of Financial Management is available on request from Head Office.

UK Only

The pages on this site are only directed at United Kingdom residents, and comply with appropriate UK legislation and regulation.

Copyright, Trademark and Website Content

You acknowledge and accept that all copyright, trademarks and all other intellectual property rights in all material or content provided as part of the Website belong to The Ancient Order of Foresters Friendly Society Limited. You may download material from this Website for your own use and to complete applications for our products only. No right, title or interest in any downloaded material is transferred to you by such downloading.

Any other use of the material and content of the Website is strictly prohibited and you agree not to copy, reproduce, transmit, download, frame, publish, display, distribute, commercially exploit or create derivative works of such material except with our prior written consent.

Reasonable steps have been taken to protect the Website by the use of anti-virus software but we make no representation that the Website will meet your requirements or will be uninterrupted, timely, secure or error-free, that defects will be corrected, or that the Website or the server that makes it available are free of viruses or bugs or represents the full functionality, accuracy or reliability of the materials. We will not be liable to you for any loss of content or material uploaded or transmitted through the Website.

Accuracy of Information

Whilst we take all reasonable steps to ensure that the information contained within these pages is accurate and up-to-date, no liability can be accepted for any errors or omissions.

Validity of Information

If you are in any doubt as to the validity of information made available within these pages, or if you wish to rely on this information, then it may be in your best interest to seek verification by contacting us. Should you have any doubt as to the suitability of any products offered by us, you should contact a financial adviser.

Our Liability

The material displayed on the Website is provided without any guarantees, conditions or warranties as to its accuracy. To the extent permitted by law, we The Ancient Order of Foresters Friendly Society Limited together with other members of our group of companies and third parties connected to us hereby expressly exclude:

• All conditions, warranties and other terms which might otherwise be implied by statute, common law or the law of equity.
• Any liability for any direct, indirect or consequential loss or damage incurred by any user in connection with the Website or in connection with the use, inability to use, or results of the use of the Website, any websites linked to it and any materials posted on it, including, without limitation any liability for loss of income or revenue; loss of business; loss of profits or contracts; loss of anticipated savings; loss of data; loss of goodwill; wasted management or office time; and for any other loss or damage of any kind, however arising and whether caused by tort (including negligence), breach of contract or otherwise, even if foreseeable.

This does not affect our liability for death or personal injury arising from our negligence, nor our liability for fraudulent misrepresentation or misrepresentation as to a fundamental matter, nor our liability to you under the Financial Services and Markets Act 2000, nor any other liability which cannot be excluded or limited under applicable law.

International Enquiries

If you are accessing this outside the UK, The Ancient Order of Foresters Friendly Society Limited may only provide our financial products and services to permanent residents of the United Kingdom.

Data Protection Act

If you wish to make a subject access request under the Data Protection Act, relating to the information held about you by The Ancient Order of Foresters Friendly Society Limited, please write to The Compliance Oversight Manager, 29-33 Shirley Road, Southampton, Hampshire, SO15 3EW.

Cookies

This Website uses cookies. A cookie is a small piece of data that a website stores on your computer's hard drive following a visit to that website. The cookie contains information about you collected when you visited the website, for example, which pages you visited and which products and services you expressed an interest in. The next time you visit the site, it will use the cookie to identify that you have visited before.

We will use cookies to ascertain and remember your preferences for different types of information following a visit to our website and to track your progress through the site. We will then process the information to try and enhance your experience when using the site. For example, it may enable us to avoid showing you information or screens which you have already seen or to offer you information which we think you may be interested in, based on your previous visits to the site.

If you do not wish us to place cookies on your computer's hard drive it is possible to adjust your browser settings to turn the cookies off. This may affect your ability to access some parts of this Website.

Important Information

The Ancient Order of Foresters Friendly Society Limited is authorised and regulated by the Financial Services Authority. It is an incorporated friendly society No. 511F. The Ancient Order of Foresters Friendly Society Limited is registered in England and Wales. Registered Office: 29-33 Shirley Road, Southampton, Hampshire, SO15 3EW. FSA Registration No. 110029. The Society is an incorporated branch society registered in the United Kingdom.

We are a member of the Financial Ombudsman Service's Scheme.
Their address is:
Financial Ombudsman Service
South Quay Plaza
183 Marsh Wall
London
E14 9SR

Copies of the leaflet, "Your complaint and the Ombudsman" are available on request.

We participate in the Financial Services Compensation Scheme run by the Financial Services Authority. Copies of the leaflet, "The Financial Services Compensation Scheme" are available on request.

The Ancient Order of Foresters Friendly Society Limited
29-33 Shirley Road,
Southampton,
Hampshire,
SO15 3EW.

Tel: (023) 8022 9655
Fax: (023) 8022 9657
Email: mail@forestersfriendysociety.co.uk

Jurisdiction and Applicable Law

The English courts will have jurisdiction over any claim arising from, or related to, a visit to our Website although we retain the right to bring proceedings against you for breach of these conditions in your country of residence or any other relevant country. These terms of use are governed by English law.

Data Protection and Privacy Policy

The Ancient Order of Foresters Friendly Society Limited ("we" / "the Society") are registered under the Data Protection Act 1998 ("the Act").  In accordance with the Act, we are committed to protecting and respecting your privacy and to manage and use any personal information that you provide to us in accordance with the Act.

This policy together with our Terms of Use (as set out at www.forestersfriendlysociety.co.uk) sets out the basis on which any personal data we collect from you, or that you provide to us, will be used by us.  Please read the following carefully to understand our views and practices regarding your personal data and how we will treat it.

For the purpose of the Act, the data controller is "The Ancient Order of Foresters Friendly Society Limited" of Foresters House, 29-33 Shirley Road, Southampton, SO15 3EW.

Our nominated representative for the purpose of the Act is Richard Dickinson.

Your Information and How We Use It

To provide and manage the service that we provide to you, we need to know various personal information including your name, postal address, e-mail address and telephone number.  Depending on the product that we are providing to you, we also need to know other information, such as financial information and/or information regarding your health. 

We gather this information to allow us to process your registration as a member of the Society and to provide you with the services requested by you. The relevant information is then used by us, our agents and sub-contractors to provide you with statements of your account as required, and to communicate with you on any matter relating to and the provision of any service to you in general.

We may also use aggregate information and statistics for the purposes of monitoring website usage in order to help us develop the website and our services and may provide such aggregate information to third parties. These statistics will not include information that can be used to identify any individual.

From time to time we may provide your personal information to our customer service agencies for research and analysis purposes so that we can monitor and improve the services that we provide.  We, or our agents and sub-contractors, may contact you to ask for your feedback and comments on our services.

We may also wish to provide you with information about special features of our services or products which we think may be of interest to you.  If you would rather not receive this information, please send a blank email message to mail@forestersfriendlysociety.co.uk. 

We may also wish to provide you with related information from third parties that we think may be of interest to you. If you would rather not receive this information, please send an email to mail@forestersfriendlysociety.co.uk.

We may also provide your information to carefully selected third parties whose products or services, we believe, may be of interest to you. If you do not wish us to disclose your information in this way, please send an email to mail@forestersfriendlysociety.co.uk.

Our Use of Cookies and Other Information Gathering Technologies

A cookie is a small piece of data that a website stores on your computer's hard drive following a visit to the website. Please refer to the section of our Terms of Use (under the heading "Cookies") that explains the use we make of cookies.

Confidentiality

We will keep your information confidential.

Our internal procedures cover the storage, access and disclosure of your information.  All information you provide to us is stored on our secure servers. Any payment transactions will be encrypted [using SSL technology / specify security measures undertaken]. Unfortunately, the transmission of information via the internet is not completely secure.  Although we will do our best to protect your personal data, we cannot guarantee the security of your data transmitted to our site; any transmission is at your own risk.  

Once we have received your personal information, we will use specific procedures and security features to try and prevent unauthorised access.

Use is made of the Information

We use your personal information for the following purposes:

to provide you with information, products or services that you request from us or which we feel may of interest to you, where you have consented to be contacted for such purposes;

• to carry out our obligations arising from any contracts entered into between you and us;
• to allow you to participate in interactive features of our service, when you choose to do so [if applicable];
• to notify you about changes to our service;
• to process your claims and administer your policy;
• as may be required or permitted by law or as appropriate to text and prevent fraud and improper claims.

We may also use your data, or permit selected third parties to use your data, to provide you with information about goods and services which may be of interest to you.

If you are an existing customer, we will only contact you by electronic means with information about goods and services similar to those which were the subject of a previous sale to you.

If you are a new customer, and where we permit selected third parties to use your data, we (or they) will contact you by electronic means only if you have consented to this.

If you do not want us to use your data in this way, or to pass your details on to third parties for marketing purposes, please send an email to mail@forestersfriendlysociety.co.uk.

Disclosure of your Information

We may disclose your personal information to any member of our group, which means our subsidiaries, our ultimate holding company and its subsidiaries, as defined in Section 736 of the UK Companies Act 1985 [if applicable].

We may disclose your personal information to third parties if we are under a duty to disclose or share your personal data in order to comply with any legal obligation, or in order to enforce or apply our Terms of Use; or to protect the rights, property or safety of the Society, our customers or others.  This includes exchanging information with other companies and organisations for the purposes of fraud protection and credit risk reduction.

Sensitive Personal Data

Sensitive personal data is information about your racial or ethnic origin, political opinions, religious or similar beliefs, trade union membership, physical or metal health or condition or sexual life, or about the commission of or proceedings for any offence committed or alleged to have been committed by you, the disposal of such proceedings or the sentence of any court in such proceedings.  We will not disclose your sensitive personal data unless:

• we have received express permission from you;
• it is a matter of life or death; or
• one of the other conditions set out in Schedule 3 to the Act is present.

Your Rights

You have the right to ask us not to process your personal data for marketing purposes.  We will usually inform you (before quoting your data) if we intend to use your data for such purposes, or if we intend to disclose your information to any third party for such purposes.  You can exercise your right to prevent such processing by checking certain boxes on the forms we use to collect your data. You can also exercise the right at any time by contacting us at mail@forestersfriendlysociety.co.uk. 

Our site may, from time to time, contain links to and from the websites of our partner networks, advertisers and affiliates.  If you follow a link to any of these websites, please note that these websites have their own privacy policies and that We do not accept any responsibility or liability for these policies. Please check these policies before you submit any personal data to these websites.

Access to Information

The Act gives you the right to access information held about you. Your right of access can be exercised in accordance with the Act. Any access request may be subject to a fee of £10 to meet our costs in providing you with details of the information we hold about you.

Changes to our Privacy Policy

Any changes we may make to our Privacy Policy in the future will be posted on this page and, where appropriate, notified to you by email.

Contact

Questions, comments and requests regarding this privacy policy are welcomed and should be addressed to Foresters Friendly Society, Foresters House, 29-33 Shirley Road, Southampton, SO15 3EW or mail@forestersfriendlysociety.co.uk.

Variations

We may revise these terms of use at any time by amending this page. You are expected to check this page from time to time to take notice of any changes we made, as they are binding on you. Some of the provisions contained in these terms of use may also be superseded by provisions or noticed published elsewhere on our Website.