Legal

ACCEPTANCE OF TERMS

Your access to and use of the Tees Mutual (Tees Mutual) website (www.teesmutual.co.uk) ("the Website") is subject exclusively to these Terms and Conditions. You will not use the Website for any purpose that is unlawful or prohibited by these Terms and Conditions.

ADVICE

The contents of the Website do not constitute advice and should not be relied upon in making or refraining from making, any decision.

CHANGES TO WEBSITE

Tees Mutual reserves the right to: Change or remove (temporarily or permanently) the Website or any part of it without notice and you confirm that Tees Mutual shall not be liable to you for any such change or removal; and

LINKS TO THIRD PARTY WEBSITES

The Website includes links to third party websites that are controlled and maintained by others. Any link to other websites is not an endorsement of such websites and you acknowledge and agree that we are not responsible for the content or availability of any such sites.

COPYRIGHT

All copyright, trademarks and all other intellectual property rights in the Website and its content (including without limitation the Website design, text, graphics and all software and source codes connected with the Website) are owned by or licensed to Tees Mutual or otherwise used by Tees Mutual permitted by law.

In accessing the Website you agree that you will access the content solely for your personal use or for non-commercial educational use and that you will not re-use or repackage any content for commercial purposes. None of the content may be copied, reproduced, transmitted, stored, sold or distributed without the prior written consent of the copyright holder. This excludes the downloading, copying and/or printing of pages of the Website for personal, non-commercial use only and for non-commercial educational use.

Use of photographs and images: all photographs and images on the Website have been sourced by Tees Mutual who retain exclusive copyright on their use and distribution unless specifically stated otherwise. Where photographs or images remain the property of a third party, all rights to their use and distribution remain with the party to which the photographs or images have been specifically attributed.

DISCLAIMERS AND LIMITATION OF LIABILITY

The Website is provided on an "AS IS" and "AS AVAILABLE" basis without any representation or endorsement made and without warranty of any kind whether express or implied, including but not limited to the implied warranties of satisfactory quality, fitness for a particular purpose, non-infringement, compatibility, security and accuracy.

To the extent permitted by law, Tees Mutual will not be liable for any indirect or consequential loss or damage whatever (including without limitation loss of business, opportunity, data, profits) arising out of or in connection with the use of the Website.

Tees Mutual makes no warranty that the functionality of the Website will be uninterrupted or error-free, that defects will be corrected or that the Website or the server that makes it available are free of viruses or anything else which may be harmful or destructive.

Nothing in these Terms and Conditions shall be construed so as to exclude or limit the liability of Tees Mutual for death or personal injury as a result of the negligence of Tees Mutual or that of its employees or agents.

SEVERANCE

If any of these Terms and Conditions should be determined to be invalid, illegal or unenforceable for any reason by any court of competent jurisdiction then such Term or Condition shall be severed and the remaining Terms and Conditions shall survive and remain in full force and effect and continue to be binding and enforceable.

GOVERNING LAW

These Terms and Conditions shall be governed by and construed in accordance with the law of England and you hereby submit to the exclusive jurisdiction of the English courts.

If you have any questions about privacy please contact us at Tees Mutual using the contact details provided.

I took out my first policy years ago because my partner’s family were with Tees Mutual. My partner pays £24 a month for a policy that also covers my son and I pay £20 a month. It means you’re not leaving all your funeral debts to your family when you’re not here. My agent, Andrea, is fantastic.

Wendy Kirk

43, shop assistant, Thornaby

I’ve had a Whole of Life for years and I and took out a Savings Policy so my son will have something when I pass on and I also get some money back when I’m 60. I wouldn’t want to think of anyone leaving debts to me when they died, so I wouldn’t want to do it to my own family. I wish I’d started a policy years ago, but you don’t think about it when you’re younger.

Lorraine Goldup

52, Hemlington

My partner’s mam and dad were members and we heard about Tees Mutual through them. I’m getting older now and if anything happened to me, I wouldn’t want my family to have to pay for it. We’ve had no problems whatsoever and my agent, Perry, is sound. The main thing is that everything's taken care of if something happens to me.

Paul Grant

50, house-husband, Middlesbrough

If anything happens to me, my family wouldn’t be able to afford to pay to bury me. Years ago there were lots of insurance calling to the door, but Tees Mutual is the only firm still doing it now. Allison, my agent, is just like one of us and it’s handy having somebody coming to the house every week.

Carol Frost

69, Brambles Farm, Middlesbrough

My wife’s mother started a policy years ago and I decided I’d rather not leave big debts to my children and so I’d take one out myself. It’s not a very nice thing to leave for them to deal with, is it? I pay a fiver a week to make sure there’s enough to bury me when the time comes. They’ve been smashing and my caller is absolutely brilliant.

David Reed

63, Middlesbrough

We’d only had our policies for about 18 months when my wife Marion died suddenly, just a fortnight after we came back from holiday. She was only 53. Our collector, Alison, made everything as easy as possible. She brought the paperwork to the house and we got the cheque for £5,300 the next day. That made a huge difference because we knew we had the money to pay for Marion’s funeral service and burial. Our family were very pleased with how they looked after us.

Paul Bird

59, South Bank

Tees Mutual does not provide financial advice. If you are in any doubt as to whether a policy is suitable for you, you should contact an Independent Financial Adviser (IFA) for advice. An IFA may charge for providing such advice and you should confirm any cost beforehand. We are covered by the Financial Ombudsman Service, whose website address is www.financial-ombudsman.org.uk.

Tees Mutual is a trading name of The Kensington Friendly Collecting Society Limited, which is an incorporated Friendly Society under the 1992 Friendly Societies Act No. 79COL. KFCSL is Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. KFCSL’s Financial Services Register number is 110058.

The registered address of Tees Mutual and its subsidiary, Tees Mutual Services Limited, is 1-3 Kensington Road, Linthorpe, Middlesbrough, North Yorkshire, TS5 6AL.