Use of this site is provided by Cornish Mutual and is subject to
the following terms and conditions. Please read them carefully as
by proceeding with access to our website you are deemed to have
accepted these terms. Cornish Mutual reserves the right to change
these terms and conditions at any time by posting changes online.
Your continued use of this site after changes are posted
constitutes your acceptance of this agreement as modified.
In the context of these terms and conditions, the following
words have the following meanings:
"Cornish Mutual" refers to the Cornish Mutual Assurance Co. Ltd,
CMA House, Newham Road, Newham, Truro TR1 2SU. Registered in
England and Wales, reg. No 78768.
"The website" means any website under the ownership or control
of Cornish Mutual from which a link has been created to these terms
"The material" means all of the information, data, text,
graphics, links or computer code published on, contained or
available on the website.
"User" means the individual, firm, company or organisation
accessing this website.
The pages on this website are intended for access and use by UK
residents only and comply with appropriate UK legislation and
The Cornish Mutual logo is a registered trademark of the Cornish
Mutual Assurance Co. Ltd. The names and logos of Cornish Mutual and
all related product service names, designs marks and slogans are
the trade names, service marks or trademarks of Cornish Mutual and
may not be used without the prior consent of Cornish Mutual.
Copyright in the whole and every part of this website belongs to
Cornish Mutual, unless otherwise indicated, and may not be used,
sold, licensed, copied or reproduced in whole or in part in any
manner or form or in any media by any person without the prior
written consent of Cornish Mutual.
Notice and Take Down Policy
Every effort has been made to ensure that nothing within the
Cornish Mutual website infringes UK law.
If Cornish Mutual is notified of a potential breach of
copyright, or receives a complaint indicating a breach of
copyright, the electronic material involved will be removed from
the website as quickly as possible pending further
Where the grounds for notification or complaint are considered
plausible, the electronic material will be withdrawn from the
website until further notice, so that efforts can be made to
resolve the matter.
If you believe that any content on the website is defamatory of
you, infringes your copyright or infringes any of your other legal
rights please contact us, email email@example.com.
Use of the website
You agree to use this site only for lawful purposes, and in a
manner which does not infringe the rights, or restrict, or inhibit
the use and enjoyment of the site by a third party.
Accuracy and Validity of Information
Whilst we take all reasonable steps to ensure that the
information contained within these pages is accurate and
up-to-date, it is nonetheless supplied on an "as is" basis and
accordingly we do not accept any liability for any errors or
omissions. If you are in any doubt as to the validity of
information made available within these pages, we recommend you
seek verification by contacting us.
Whilst we take all reasonable steps to ensure this website is
always accessible we will not be held liable if, for any reason,
the website is unavailable for any period. We may also have to
suspend access to the website for routine or emergency updates and
maintenance but we will endeavour to keep any disruption to a
In addition we cannot warrant that this website will be free of
viruses or defects of any description and we will not be held
responsible for any technical problems you may suffer as a result
of your use of this website.
This site and the information, names, images, pictures, logos
regarding or relating to Cornish Mutual are provided "as is"
without any representation or endorsement made and without warranty
of any kind whether expressed or implied. To the extent permitted
by law Cornish Mutual shall not be liable for any direct,
indirect or consequential loss or damage including, 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 incurred by any user in connection with
our site or in connection with its use, inability to use, or
results of the use of our site, any websites linked to it and any
materials posted on it whether caused by tort (including
negligence), breach of contract or otherwise, even if
This does not affect our liability for death or personal injury
caused arising from our negligence nor our liability for fraudulent
misrepresentation or misrepresentation as to a fundamental matter,
nor any other liability which cannot be excluded or limited under
Linking to our Site
You may link to our home page, provided you do so in a way that
is fair and legal and does not damage our reputation or take
advantage of it, but you must not establish a link in such a way as
to suggest any form of association, approval or endorsement on our
part where none exists.
You must not establish a link from any website that is not owned
Our website must not be framed on any other site, nor may you
create a link to any part of our website other than the home page.
We reserve the right to withdraw linking permission without notice.
The website from which you are linking must comply with reasonable
Third Party Websites
Cornish Mutual takes no responsibility for the content of
external Internet sites. The website contains links to websites
operated by parties other than Cornish Mutual, such links are
provided for the user's convenience only. Cornish Mutual does not
control such websites and is not responsible for their content.
Cornish Mutual's inclusion of links to such websites does not imply
any endorsement of the material on such websites or any association
with their operator. We accept no responsibility or liability for
the contents of any linked website.
Privacy and Data Protection
Our usage of your personal information is governed by our Privacy
Policy, which forms part of these terms. Please read the
deals with your rights and our obligations in relation to your
personal data, including what we can do with it, to whom we may
disclose it together with your rights of access.
Whilst Cornish Mutual makes all reasonable attempts to exclude
viruses from the website it cannot ensure such exclusion and no
liability is accepted for damage caused through the downloading of
viruses. Therefore, you are recommended to take all appropriate
safeguards before downloading information from the website.
Whenever you make use of a feature that allows you to upload
material to our site, or to make contact with other users of our
site you must comply with reasonable standards. You warrant that
any such contribution does comply with those standards, and you
indemnify us for breach.
Any communication or material that you transmit to, or post on,
any public area of the site including any data, questions,
comments, suggestions, or the like, is, and will be treated as non
confidential and non proprietary information and we have the right
to use, copy, distribute and disclose to third parties any such
material for any purpose. We also have the right to disclose your
identity to any third party who is claiming that any material
posted or uploaded by you to our site constitutes a violation of
their intellectual property rights or their right to privacy.
We will not be responsible, or liable to any third party for the
content or accuracy of any materials posted by you or any other
user of our site. We have the right to remove any material or
posting you make on our site if, in our opinion, such material does
not comply with acceptable standards.
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
superseded by provisions or notices published elsewhere on our
These terms and conditions shall be governed and construed in
accordance with the laws of England and Wales. Any disputes shall
be subject to the exclusive jurisdiction of the Courts of England
and Wales. If these terms and conditions are not accepted in full,
then use of this site must be terminated immediately.