Website terms and conditions of use
1. Acceptance of terms
These are the website terms and conditions ("Terms and Conditions") of Wesleyan Assurance Society and its group companies ("Wesleyan"). Please read these Terms and Conditions carefully, they set out the basis on which you are allowed to use this website (the "Site") and the information contained within it. They protect you as a user of this Site and prevent this Site from being used for any illegal or unauthorised purposes. By proceeding with access to this Site, you are deemed to have accepted both these Terms and Conditions and our Privacy Policy. If you do not wish to be bound by these Terms and Conditions you should not use the Site.
2. Company details
Wesleyan Assurance Society is authorised and regulated by the Financial Services Authority and is incorporated by Private Act of Parliament. Registered in England and Wales with company registration number ZC145. VAT number 487282114.
Wesleyan Financial Services Limited is authorised and regulated by the Financial Services Authority and is wholly owned by Wesleyan Assurance Society. Registered in England and Wales with company registration number 1651212. VAT number 487282114.
The registered office for Wesleyan Assurance Society and Wesleyan Financial Services Limited is: Colmore Circus, Birmingham B4 6AR. Telephone: 0845 351 2352 Fax: 0121 200 2971. Telephone calls may be recorded for monitoring and training purposes.
The information published on this website is provided as a convenience to visitors and should be used for information purposes only. It is subject to change without notice. If you have any queries, please contact us.
3. Important regulatory and legal information about the Wesleyan Assurance Society Group
Wesleyan Medical Sickness, Wesleyan for Teachers, Wesleyan for Lawyers and Wesleyan for Professionals are all trading names of Wesleyan Financial Services Limited.*
The National Association of Schoolmasters & Union of Women Teachers (NASUWT) and Wesleyan Key Business Finance Limited are both introducer appointed representatives of Wesleyan Financial Services Limited.
Wesleyan Unit Trust Managers Limited is authorised and regulated by the Financial Services Authority. Registered in England and Wales with company registration number 02114859. Registered Office: Colmore Circus, Birmingham B4 6AR. Telephone: 0845 351 2352 Fax: 0121 200 2971. Telephone calls may be recorded for monitoring and training purposes. Wesleyan Unit Trust Managers Limited is wholly owned by Wesleyan Assurance Society. VAT number 487282114.*
Wesleyan Bank Limited is authorised and regulated by the Financial Services Authority. Registered in England and Wales with company registration number 2839202. Registered Office: Colmore Circus, Birmingham B4 6AR. Telephone 0800 358 1122. Fax: 0121 200 9345. Telephone calls may be recorded for monitoring and training purposes. Wesleyan Bank Limited is wholly owned by Wesleyan Assurance Society. VAT number 487282114.*
Wesleyan Bank Limited is licensed by the Office of Fair Trading to provide regulated consumer credit loans under the Consumer Credit Act 1974. The OFT is our supervisory authority for this purpose and our CCA licence number is 387062.
* The above information can be checked on the FSA’s register at http://www.fsa.gov.uk/
4. About our services and general information about the regulation of Financial Services
4.1 Wesleyan provides a range of financial products and services including protection, savings, pensions and investment products from Wesleyan Assurance Society, plus a selection of products from other providers. Advice is provided through Wesleyan Medical Sickness, Wesleyan for Teachers, Wesleyan for Professionals and Wesleyan for Lawyers, which are all trading names of Wesleyan Financial Services Limited, to the UK market place.
4.2 If you are interested in becoming a member of Wesleyan Assurance Society, please refer to the Wesleyan's Rules on Membership. Please note that purchasing a product from Wesleyan does not necessarily confer membership. Details can be found in the member section of this Site or found within the Report and Accounts for 2010 document. General information about the regulations of financial services is available from the Financial Services Authority ("FSA"). The FSA is an independent watchdog set up by the Government to regulate certain financial services and products to protect your rights. It provides free and independent information about financial matters on its website. The FSA Register is a public record of financial services firms, individuals and other bodies, which fall under its regulatory jurisdiction, as defined in the Financial Services & Markets Act 2000 (FSMA).
5. Advice
5.1 Further details of the products and advisory services available to you via Wesleyan Financial Services Limited are set out in the documents entitled 'about our services and costs' and 'a list of the companies and products we offer' (both available on request, please call 0800 092 1990 Monday to Friday 8.30am to 8.00pm and Saturday 9.00am - 2.00pm).
5.2 Wesleyan Financial Services Limited has classified you as a retail client for the purposes of the FSA's client categorisation rules. You therefore benefit from the highest level of regulatory protection.
6. Users
6.1 This Site is only intended for those who access it from within the United Kingdom. For this reason, we cannot guarantee that the Site or the information therein complies with or is appropriate for use in other places.
7. Terms
7.1 All Wesleyan products and services are subject to the terms and conditions of the applicable agreement governing their use.
7.2 These Terms and Conditions are to be read by you together with any product or services terms provided on the Site. In the event of any conflict, the product or services terms shall prevail over these Terms and Conditions.
8. Complaints
8.1 If you would like to comment on or complain about any aspect of our business or services, please contact the complaints team and we will try to resolve the issue for you. If you are still not satisfied, you may be entitled to refer your complaint to the Financial Ombudsman Service. In order to contact the Financial Ombudsman Service,
You should write to them at South Quay Plaza, 183 Marsh Wall, London E14 9SR, telephone them on 0800 023 4567, e-mail them at complaint.info@financial-ombudsman.org.uk or visit their website.
8.2 Please visit the complaints page for more details on our complaints procedure and how to contact us.
9. Compensation
9.1 Wesleyan Assurance Society is covered by the Financial Services Compensation Scheme (FSCS). You may be entitled to claim compensation from the scheme in the unlikely event that we cannot meet our obligations to you. This depends on the type of business we conduct with you and the circumstances of the claim. Further information about the compensation scheme arrangements is available from the FSCS by visiting their website, by email or by writing to the FSCS at 7th Floor, Lloyd's Chambers, Portsoken Street, London, E1 8BN.
10. Money laundering
10.1 Like other financial organisations, we are legally obliged to collect and record information confirming customer identity and to report details of suspicious transactions to the Serious Organised Crime Agency (SOCA).
11. Information on this site
11.1. We do our best to ensure that the information on this Site is accurate and helpful at all times. However, we cannot ultimately warrant the accuracy of that information and cannot be held liable for any use or reliance you may make of or put on it.
11.2 We reserve the right to make any amendments to this Site at any time.
12. Your use of this Site
12.1 You must not under any circumstances seek to undermine the security of this Site or any information submitted to or available through it. In particular, but without limitation, you must not seek to access, alter or delete any information to which you do not have authorised access, seek to overload the system via spamming or flooding, take any action or use any device, routine or software to crash, delay, damage or otherwise interfere with the operation of this Site or attempt to decipher, disassemble or modify any of the software, coding or information comprised in this Site.
12.2. You are solely responsible for any information submitted by you to this Site. You are responsible for ensuring that all information supplied by you is accurate, up-to-date and not misleading or likely to mislead or deceive.Wesleyan Unit Trust Managers Limited is authorised and regulated by the Financial Services Authority*. Wesleyan Unit Trust Managers Limited is wholly owned by Wesleyan Assurance Society.
13. Intellectual property
13.1.The copyright in the content and material contained on, in, or available through this Site including without limitation all information, data, text, photographs, graphics, or other materials and the selection and arrangement thereof, and all source code, software compilations and other material (“Material”) is owned by or licensed to Wesleyan or its affiliates. All rights are reserved. You do not have any right, interest or title in or to the Material unless otherwise expressly indicated.
13.2. The trade marks, service marks, and logos (“Trade Marks”) contained on or in this Site are registered and/or owned by or licensed to Wesleyan or its affiliates and may not be reproduced without our express written permission.
13.3. You may not reproduce part or all of the contents of this Site in any form unless it is for personal, non commercial use and you do not remove any intellectual property notices including copyright notices.
13.4.Except as specifically authorised above, you may not copy or otherwise incorporate into or store in any other website, electronic retrieval system, publication or other work any of the Material in any form (whether hard copy, electronic or other).
13.5. You may not frame or link to this Site or any part of it without our express permission.
13.6. Save as expressly stated or as necessary to view, print or download extracts of the Material for personal and non commercial use, none of the Trade Marks or Material may be copied, edited, varied, reproduced, published, displayed, distributed, stored, transmitted, commercially exploited or disseminated in any form whatsoever without the prior written consent of Wesleyan.
13.7. You agree to indemnify and keep indemnified, us, our officers, directors, agents, licensors, successors and assigns against all liabilities, costs, losses, damage and expenses, including without limitation legal fees incurred by us should you breach any of the terms of this section (Intellectual property).
14. Links to third party sites
This Site may include links to other websites which are not owned, operated, or controlled by Wesleyan ("Third Party Websites"). Wesleyan provides you with such links solely for your convenience. The inclusion of such links does not mean or imply that Wesleyan endorses the Third Party Websites, their availability or contents or any agreement or understanding you enter into with a third party through a Third Party Website. Wesleyan does not accept any liability for any loss, damage, expense, costs or liability whatsoever incurred by you in respect of these Third Party Websites.(FSMA).
15. Disclaimer/liability
15.1. Use of this Site, Third Party Websites, links to the Third Party Websites, and any information available via this Site is at your own risk. To the maximum extent permitted by law Wesleyan disclaims all liability whatsoever, whether arising in contract, tort (including negligence) or otherwise in relation to this Site, use of this Site, Third Party Websites, links to Third Party Websites, and information and Material available via this Site.
15.2. We do our best to ensure that this Site operates properly at all times, but we make no warranties as to the availability of this Site, and (save as otherwise set out in these Terms and Conditions) we will not be liable for any damages, loss, costs or expenses incurred by you as a result of any lack of availability or accessibility of this Site.
15.3. Wesleyan will not be liable, in contract, tort (including, without limitation, negligence), under statute or otherwise, as a result of or in connection with this Site, any Third Party Websites, links to Third Party Websites, the information or any products or services offered on or through this Site or Third Party Website, whether by Wesleyan or on its behalf, for any:
- 15.3.1. economic loss (including, without limitation, loss of revenues, profits, contracts, business or anticipated savings); or
- 15.3.2. loss of goodwill or reputation; or
- 15.3.3. special or indirect or consequential loss.
- 15.3.4 .If Wesleyan is liable to you directly or indirectly in relation to this Site, any Third Party Websites, links to Third Party Websites, information on this Site or any products or services offered on or through this Site or Third Party Website, that liability (howsoever arising) shall be limited to [£100].
15.4.Wesleyan will not be liable for any loss, damage, expense, costs, delays or other liability whatsoever (including without limitation any financial losses such as loss of profit) which you may incur as a result of any event beyond our reasonable control (including without limitation any failure of transmission, communication, computer or other facilities or your inability to access this Site for any reason or any failure, error or delay in the sending or receiving of any notice or communication or instruction through the post or any electronic medium).
15.5. Nothing in these Terms and Conditions shall be construed as excluding or limiting the liability of Wesleyan for death or personal injury caused by its negligence or for any other liability which cannot be excluded by English law.
15.6. Where you deal as a consumer, nothing in the above exclusions affects your statutory rights.
15.7. Nothing in these Terms and Conditions shall exclude or restrict our duties and liabilities to you under applicable law including, without limitation, the Financial Services and Markets Act 2000 and the rules of the Financial Services Authority for the conduct of business.
16. Privacy policy
If you provide information to Wesleyan on or through the Site, Wesleyan will use it in accordance with the terms of its Privacy Policy. That Privacy Policy forms part of these Terms and Conditions and by using the Site you acknowledge and agree that you accept the terms of that Privacy Policy.
17. General
17.1. These Terms and Conditions (as amended from time to time) constitute the entire agreement between you and Wesleyan concerning your use of this Site and supersede any previous arrangement, agreement, undertaking or proposal, written or oral between you and Wesleyan in relation to such matters. Wesleyan reserves the right to update these Terms and Conditions from time to time. If it does so, the updated version will be effective as soon as it is uploaded on to this Site and your continued use of this Site will constitute your acceptance of such updated Terms and Conditions. No other variation to these Terms and Conditions shall be effective unless in writing and signed by an authorised representative on behalf of Wesleyan. You should check the Terms and Conditions periodically to ensure that you are aware of and complying with the current version.
17.2. These Terms and Conditions and any disputes arising from them shall be governed by and construed in accordance with English law and you agree to submit to the exclusive jurisdiction of the English Courts.
17.3. If any provision(s) of these Terms and Conditions is held by a court of competent jurisdiction to be invalid or unenforceable, then such provision(s) shall be construed, as nearly as possible, to reflect the intentions of the parties and all other provisions shall remain in full force and effect.
17.4. Wesleyan’s failure to exercise or enforce any right or provision of these Terms and Conditions shall not constitute a waiver of such right or provision unless acknowledged and agreed to by Wesleyan in writing.
17.5. Unless otherwise expressly stated, nothing in the Terms and Conditions shall create any rights or any other benefits whether pursuant to the Contracts (Rights of Third Parties) Act 1999 or otherwise in favour of any person other than you and Wesleyan.