Terms And Conditions


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 and conditions. 

"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. 

Site Access 

The pages on this website are intended for access and use by UK residents only and comply with appropriate UK legislation and regulation. 

You must treat your username and password as confidential. You agree to inform us immediately if you have reason to believe your password is being used in an unauthorised manner. 

You accept responsibility for activities that occur under your account as a result of your failure to keep your username and password secure. 

Trade Marks 

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 investigation. 

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 engagementandpr@cornishmutual.co.uk. 

Use of the website 

You agree to use this site for personal, non-commercial use only, and 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 minimum. 

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 foreseeable. 

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 applicable law. 

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 by you. 

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 content standards, 

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 Privacy Policy carefully - it 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. 


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 notices published elsewhere on our site. 


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.