Terms and Conditions for wesleyan.co.uk
Terms and conditions
1. What is in our website terms and conditions?
2. Who we are and how to contact us
2.1. This website is operated by Wesleyan Assurance Society which is in incorporated in England and Wales by Private Act of Parliament No. ZC145) and is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority.
Financial Services register number: 110873
VAT number: 487282114
Telephone: 0121 200 3003. Lines are open Monday to Friday, 9am - 5pm.
2.2. See further details of the Wesleyan group of companies.
2.3 Telephone calls may be recorded for monitoring and training purposes.
3. What do these terms cover?
3.1. These are the website terms and conditions of use (Terms) of Wesleyan Assurance Society and its group companies ("Wesleyan"). They explain how you may use this website and any of its content (Site).
4. Who do these terms apply to?
4.1. These Terms apply between Wesleyan (we, us or our) and you, the person accessing or using the Site (you or your).
4.2. You should read these Terms carefully before using the Site. By using the Site or otherwise indicating your consent, you agree to be bound by these Terms. If you do not agree with any of these Terms, you should stop using the Site immediately.
4.3. Please note that if you are an existing Wesleyan customer, or if you buy any products or services from Wesleyan, separate terms and conditions will apply. In the event of any conflict, the products and services terms will take precedence over these Terms.
5. Using the site
5.1. The Site is provided by us to you free of charge for information purposes only. The Site is for your personal and non-commercial use only.
5.2. This Site is only intended for those who access it from within the United Kingdom. We make no promise that the Site is appropriate or available for use in locations outside of the UK. If you choose to access the Site from locations outside the UK, you acknowledge you do so at your own initiative and are responsible for compliance with local laws where they apply.
5.3. As a condition of your use of the Site, you agree not to:
5.3.1. misuse or attack our Site by knowingly introducing viruses, trojans, worms, logic bombs or any other material which is malicious or technologically harmful (such as by way of a denial-of-service attack), or
5.3.2. attempt to gain unauthorised access to our Site, the server on which our Site is stored or any server, computer or database connected to our Site.
5.4. We may prevent or suspend your access to the Site if you do not comply with these Terms or any applicable law.
6. Your privacy and personal information
7. Ownership, use and intellectual property rights
7.1. All rights, including copyright and other intellectual property rights, in and to this Site are owned by or licensed to Wesleyan. This means that we own the Site and everything on it (including all images and text) and you may not download all or any part of the Site or change the Site without our written permission. You may print off one copy of any pages from our Site for your personal use.
8. Accuracy of information and availability of the site
8.1. We try to make sure that the Site is accurate, up-to-date and free from bugs, but we cannot promise that it will be. Furthermore, we cannot promise that the Site will be fit or suitable for any purpose. Any reliance that you may place on the information on the Site is at your own risk.
8.2. We may suspend or terminate access or operation of the Site at any time as we see fit.
8.3. Any content on the Site is provided for your general information purposes only and to inform you about us and our products and news, features, services and other websites that may be of interest, but has not been tailored to your specific requirements or circumstances.
8.4. Nothing on our Site should be construed as being personalised financial, investment or professional advice, or shall be deemed to constitute the offer or provision of such advice. You should always obtain advice from a qualified financial adviser before making any investment decision.
8.5. Where we provide calculator tools in certain sections of our Site, we do not accept any liability for the accuracy of the results produced by these tools which are provided for illustration purposes only. You are responsible for verifying the output of any calculator tools which we make available to you.
8.6. While we try to make sure that the Site is available for your use, we do not promise that the Site will be available at all times or that your use of the Site will be uninterrupted.
9. Hyperlinks and third party sites
9.1. The Site may contain hyperlinks or references to third party advertising and websites other than the Site. Any such hyperlinks or references are provided for your convenience only. We have no control over third party advertising or websites and accept no legal responsibility for any content, material or information contained in them. The display of any hyperlink and reference to any third-party advertising or website does not mean that we endorse that third party’s website, products or services. Your use of a third-party site may be governed by the terms and conditions of that third-party site and is at your own risk.
10. Our responsibility to you
10.1. Although we make every effort to ensure that the information in this site is both accurate and up to date, we accept no liability for any loss or damage (including consequential loss) due to any inability to use the Site, omissions or inaccuracies.
10.2. We can give no warranty that the site is free of viruses or can be used with any computer, software or browser systems.
10.3. Nothing in these terms excludes or limits our liability for any death or personal injury caused by our negligence, liability for fraud or fraudulent misrepresentation, or any other liability that the law does not allow us to exclude or limit.
11. Events beyond our control
11.1. We are not liable to you if we fail to comply with these Terms because of circumstances beyond our reasonable control.
12. No third party rights
12.1. No one other than us or you has any right to enforce any of these Terms.
13. Variation13.1. We reserve the right to vary these Terms from time to time. Our updated Terms will be displayed on the Site and by continuing to use and access the Site following such changes, you agree to be bound by any variation made by us. It is your responsibility to check these Terms from time to time to verify such variations.
14.1. We will try to resolve any disputes with you quickly and efficiently. If you would like to comment on or complain about any aspect of our business or services, please contact our 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. Complaining to the Ombudsman won’t affect your legal rights.
14.2. If you wish to complain you can contact us in the following ways:
- Call us on 0800 058 2965. Lines are open Monday to Friday, 9am - 5pm.
- Complete the online contact form
- Email the Complaints Team
- In writing to Complaints Team Customer Operations - Birmingham Wesleyan Assurance Society, Colmore Circus, Birmingham, B4 6AR
14.3. If, after receiving our response, you’re still not happy, you can refer your complaint to the Financial Ombudsman Service:
- The Financial Ombudsman Service Investment Division, Exchange Tower, London, E14 9SR
- Phone: 0800 023 4567 or 0300 123 9123
Complaining to the Ombudsman won’t affect your legal rights.
15.1. 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. Please refer to your Product Terms and Conditions for full details.
16. Money laundering
16.1. 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 National Crime Agency (NCA).
17.1. Unless otherwise expressly stated, nothing in these 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.
17.2. The laws of England and Wales apply to these Terms, although if you are resident elsewhere you will retain the benefit of any mandatory protections given to you by the laws of that country.
17.3. Any disputes will be subject to the non-exclusive jurisdiction of the courts of England and Wales. This means that you can choose whether to bring a claim in the courts of England and Wales or in the courts of another part of the UK in which you live.