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Legal Information


Please read the following terms and conditions carefully. By using this website you are deemed to have agreed to be legally bound by them. If you do not agree to accept the terms and conditions please do not use the website. 

United Kingdom Only

The pages on this website are only directed at United Kingdom residents and comply with the appropriate UK legislation and regulation. 


If you have any doubt about the suitability of a product you should contact a Financial Adviser. Cirencester Friendly Society Limited acts as insurer only and does not provide advice. 

Language and Law Applying

This website uses English and correspondence and communications will be conducted in this language. The law and courts of England and Wales will apply in the event of any legal dispute. 


The information on this website is correct at the time of issue, however, we reserve the right to change the content without prior notification. 

Accuracy of information

Every reasonable precaution to ensure the accuracy of the information provided has been taken by the Society.


Copyright in the whole and in every part of this website belongs to Cirencester Friendly Society Limited and unless otherwise indicated may not be used, sold, licensed, copied or reproduced in whole or in part or in any manner or in or on any media by any person without the prior written consent of Cirencester Friendly Society Limited.

About Cookies

What are cookies?

Cookies are small text files created by websites you visit that store browsing information like the pages you visit.  When you return to a website the cookie will tell the site that you have been there before.  We use this information to improve the way our website works and make your user journey more efficient. They help us to avoid showing you information and screens that you have already seen. 

You can find out more about cookies by visiting our Cookie Policy page

Who regulates us?

Cirencester Friendly Society Limited, Mutuality House, The Mallards, South Cerney, Cirencester, Gloucestershire, GL7 5TQ is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority.

We are registered to carry out regulated activities in respect of long term insurance.

You can check this on the FCA Register by visiting the FCA website or by contacting the FCA on 0800 111 6768.

Availability and Other Websites


We take all reasonable precautions to ensure that the website is available at all times. However the Society cannot accept responsibility in respect of any loss or damage arising out of the website being unavailable.

Further we cannot warrant that this website will be free from viruses, defects or changes by unauthorised third parties. Consequently we cannot be held responsible in respect of any loss or damage arising out of such circumstances. 

Other Websites and Information Security

This Privacy Policy only applies to the Cirencester Friendly Society Limited website.

We have provided within our website links to other websites we consider may be of use to you. These will be subject to their own policies which may not be the same as ours. Please carefully read the privacy policies of these websites before submitting any personal data. We cannot accept responsibility for other websites as we have no control over them.

You should be aware that communications including emails over the internet are not secure unless they are encrypted.

Cirencester Friendly Society Limited cannot accept responsibility for any unauthorised access or loss of personal information which is beyond our control.

Exclusion of Liability

Cirencester Friendly Society Limited will not be liable for any loss of use, profits, savings or data or any indirect, special or consequential damages, howsoever caused including such losses arising in contract, negligence and tort.

However, nothing in these terms and conditions shall exclude or limit or restrict our duties and liabilities to you under the Financial Services and Markets Act 2000 or any other requirement relating to this Act.