Security

We are committed to protecting the confidentiality and security of the information that you provide to us and we put in place appropriate technical, physical and organisational security measures to protect against any unauthorised access or damage to, or disclosure or loss of, your information.

General protection

We ensure that our systems are kept up to date with security patches, use antivirus protection and place them behind a firewall that blocks as much unwanted traffic as possible. In addition, we routinely test the security of our systems using a variety of third parties.

We ensure that any third parties processing personal information on our behalf have effective security measures in place to protect your information.

My Account protection

Identification: we use email address and passwords to access our online account management site. When you first sign up we will ask you to enter your unique member number and complete some memorable information that can be used to identify you at a later date should we need to.

Encryption: when you sign in we establish a link with your computer and Police Mutual. This link is encrypted and all of the information is converted into an encoded form before it’s sent over the internet, preventing other users reading the information.

Session time-out: if you forget to sign out, or your computer remains inactive for a while, we will automatically sign you out. You will need to sign back in to return to what you were doing.

Automatic lockout: after a number of incorrect attempts to sign in, change your email address, password or security questions we will disable online access to your account. To re-activate your account, call us on 01543 441 630.

Last sign in date and time: the date and time is automatically logged every time you sign in to the secure area of our site. This will be displayed every time you sign in. If you’re concerned that the last sign in date and time is incorrect you should change your password immediately.

Email: we will never send you an email asking you to validate your identity and/or any of your online security information. If you are suspicious of an email that seems to have come from us, call us on 01543 441 630.

Emails sent from the Police Mutual online secure area will be from one of the following addresses:
enquiries@pmas.co.uk
online@pmas.co.uk
registrations@pmas.co.uk
news@pmas.co.uk

Protecting yourself

We are committed to protecting the confidentiality and security of the information that you provide to us but there are also precautions you can take to protect yourself from becoming victim of a security incident.

Basic device security: we strongly recommend that you protect any device you own from unauthorised use by using passwords and/or PINs. If your device supports it, we recommend that you encrypt it as well. You should also take up additional security offerings from your email service provider to add authentications that can detect when you login in from a different device. Do not use the same password at work that you do for your personal devices.

Firewalls: most computers and routers have built-in firewalls, which protect them from some of the dangers on the internet. Never switch off your firewall (unless you’re a computer expert and know what you’re doing).

Security patches: always keep your operating system (like Windows or iOS), your internet browser (like Internet Explorer) and software up to date.

Viruses: it is essential that you have up to date anti-virus software to protect yourself from computer viruses. It is also crucial that you update your software regularly. We also recommend that you run your anti-virus software scan regularly – you can usually set this up to run automatically so that you never forget.

Wireless networks: if you use a wireless laptop or device to go online, refer to the manufacturer’s instructions to ensure that you use it securely. All wireless connections should be password protected using WPA or WPA2 encryption to stop others accessing your network.

Public and shared computers: it is always best to use your own computer on sites that reveal personal information. If you aren’t able to do this, it’s important to check that the computer you use has an up to date firewall plus anti-virus and anti-spyware software. We also recommend that you don’t use computers that are available to the general public, like internet cafes.

Viewing your information online: you will have to sign in to view your information online and therefore it is safe and secure. If you share your computer with others we recommend that you close your browser window after signing out. Depending on the settings of your computer, some of your information may remain in the cache (memory) after you have logged out and we recommend that you clear your browser history.

Email: Don’t open emails from unknown senders and if you are in doubt it is advisable to delete it. We recommend that you do not open unexpected attachments and Police Mutual will not include attachments to any emails sent from the email addresses listed in this policy.

Changes to our security policy

We keep our security policy under regular review and will place any update here.

This security policy was last updated on 20 February 2018.



Legal

Accepting our Terms and Conditions

These Terms and Conditions govern the use of this website.

This website is intended for UK residents unless otherwise stated.

The term “you”, “your” or “visitor” refers to the user or viewer of this website.

The term ‘Police Mutual’ refers to Police Mutual Assurance Society Limited and the Police Mutual group of companies.

Please read these Terms and Conditions carefully. By using this website, you acknowledge that you have read these Terms and Conditions and our Privacy Policy, and that you agree to be bound by them. If you do not wish to be bound by these Terms and Conditions you should not use this website.

General Provisions

You agree to use this website 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 any third party.

You agree not to:-

  • store the content of this website on a server (or any other storage device connected to a network), reproduce, republish, copy, distribute, disseminate, sell, rent or sub-license material from this website or modify the content of this website;
  • use this website for, or in connection with any commercial, unlawful, illegal, fraudulent, harmful or immoral purpose or activity;
  • use this website in any way that causes, or may cause, damage to the website or impairment of the availability or accessibility of this website;
  • use this website to copy, store, host, transmit, send, use, publish or distribute any material which consists of (or is linked to) any spyware, computer virus, Trojan horse or other malicious software;
  • create a link to this website from another website or document without Police Mutual’s prior written consent.

Nothing contained on this website constitutes tax, accounting, regulatory, legal, insurance, investment or personal advice. Decisions based on information contained on this website are the sole responsibility of the visitor.

Changes

Police Mutual reserve the right to change these Terms and Conditions at any time by amending this page. Your continued use of this website after changes are posted constitutes your acceptance of those changes.

All the products, services, policies and material described on this website are subject to availability and may be withdrawn or amended without notice.

Third Parties

Police Mutual is not responsible for the accuracy, content or timeliness of information contained in Third Party Content.

Links from this website to Third Party Content do not constitute an endorsement by Police Mutual of the parties or their products and services.

Liability

Nothing in these Terms and Conditions will: (a) limit or exclude liability for death or personal injury resulting from negligence; (b) limit or exclude liability for fraud or fraudulent misrepresentation.

This website and the information, names, images, pictures, logos regarding or relating to us are provided “as is” without any representation or endorsement made and without warranty or guarantee of any kind whether express or implied. You acknowledge that we expressly exclude liability for any damages including, without limitation, indirect or consequential damages, or any damages whatsoever arising from the use or in connection with such use or loss of use of the site, whether in contract or negligence to the fullest extent permitted by law.

Police Mutual will not be liable to you for any losses or damages (whether direct, indirect, special, consequential or otherwise) arising out of errors or omissions contained in this website (including any Third Party Resource), unavailability of the website or any Third Party Resource or changes made to the content of this website by unauthorised third parties or the providers of Third Party Content.

Intellectual Property

‘Police Mutual’ and ‘PMAS’ are registered trademarks of Police Mutual Assurance Society Limited. © Police Mutual Assurance Society Limited.

All copyright, graphics, photographic images, trade names, domain names, logos and other intellectual property rights in all materials and information displayed on this website are proprietary to Police Mutual and/or their respective owners.

Nothing on this website should be construed as granting any licence or right to use any copyright, graphics, photographic images, trademarks, trade names, domain names and/or logos displayed on this website without the written permission of Police Mutual or such other third party that may own such trademark, trade name and/or logo. Your use of trademarks displayed on this website, except provided herein, is strictly prohibited.

User Content

Any communication or material that you submit to, or post on, any public area of this website including any data, questions, comments, suggestions, or the like, is and will be treated as, non-confidential and non-proprietary information. You agree that such communication or material submitted by you on this website will comply with these Terms and Conditions.

We reserve the right to edit or remove any communication or material submitted to our website, or stored on our servers, or hosted or published upon our website.

Competitions and Promotions

Police Mutual may from time to time run special promotions on this website. These will be subject to their own terms and conditions which will be made available at the time.

Law and Jurisdiction

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.

Company & Product Details

Regulatory details about our company can be confirmed by visiting the Financial Conduct Authority website or by contacting the Financial Conduct Authority on 0800 111 6768 or 0300 500 8082, using the relevant company Financial Services Register No.

Financial Services Compensation Scheme

We are covered by the Financial Services Compensation Scheme. You may be entitled to compensation from the scheme if we cannot meet our obligations. The level of compensation depends on the type of business and the circumstances of the claim. Further information is available from the Financial Services Compensation Scheme or the Financial Conduct Authority.

Savings & Investments

These products are provided by Police Mutual Assurance Society Limited, trading as Police Mutual, an incorporated friendly society. Registered office: Alexandra House, Queen Street, Lichfield, Staffordshire, WS13 6QS. Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Financial Services Register No. 110050.

Insurance

Insurance is arranged and administered by PMGI Limited, trading as Police Mutual. PMGI Limited is authorised and regulated by the Financial Conduct Authority. Registered in England & Wales No. 1073408. Registered office: Alexandra House, Queen Street, Lichfield, Staffordshire, WS13 6QS. Financial Services Register No. 114942.

  • Car Insurance: provided by Royal & Sun Alliance Plc (company registration no. 93792). Registered in England and Wales at St Mark’s Court, Chart Way, Horsham, West Sussex, RH12 1XL. Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Financial Services Register No. 202323.
  • Motor Legal Protection: provided by ARAG plc authorised to administer this insurance on behalf of the insurer Brit Syndicate 2987 at Lloyds (written under unique market reference BO356KA233D12AOOO or replacement thereof). Financial Services Register No. 452369. Brit Syndicates Limited, the managing agent for Brit Syndicate 2987 at Lloyd’s , is authorised by the Prudential Regulation Authority and Regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Financial Services Register No. 204930.
  • Breakdown Cover: provided by ERS Syndicate 218 at Lloyds managed by ERS Syndicate Management Limited (company no. 00426475), which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. ERS Syndicate Management Limited is registered in England and Wales with its registered address at 52-54 Leadenhall Street, London, EC3A 2BJ. Financial Services Register No. 204851.
  • Home Insurance: provided by Royal & Sun Alliance Plc (company registration no. 93792). Registered in England and Wales at St Mark’s Court, Chart Way, Horsham, West Sussex, RH12 1XL. Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Financial Services Register No. 202323.
  • Home Emergency Cover & Family Legal Protection: provided by ARAG plc registered in England number 02585818. Registered address: 9 Whiteladies Road, Clifton, Bristol BS8 1NN. ARAG is authorised and regulated by the Financial Conduct Authority. Financial Services Register No. 452369.
  • Renters Insurance: provided by Royal & Sun Alliance Plc (company registration no. 93792). Registered in England and Wales at St Mark’s Court, Chart Way, Horsham, West Sussex, RH12 1XL. Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Financial Services Register No. 202323.

 

Life Cover: Advice and recommendation service is provided by Mortgage Excellence Plc, trading as Police Mutual, authorised and regulated by the Financial Conduct Authority. Registered in England & Wales No. 03527577. Registered office: Alexandra House, Queen Street, Lichfield, Staffordshire, WS13 6QS. Financial Services Register No. 301192.

 

Mortgages: Advice and recommendation service is provided by Mortgage Excellence Plc, trading as Police Mutual, authorised and regulated by the Financial Conduct Authority. Registered in England & Wales No. 03527577. Registered office: Alexandra House, Queen Street, Lichfield, Staffordshire, WS13 6QS. Financial Services Register No. 301192.

 

Independent Financial Advice: Advice and recommendation service is provided by PM Advisory Limited, trading as Police Mutual, authorised and regulated by the Financial Conduct Authority. Registered in England & Wales No. 4560462. Registered office: Alexandra House, Queen Street, Lichfield, Staffordshire, WS13 6QS. Financial Services Register No. 313482.

 


Products/services introduced to third parties

  • Young Driver Car Insurance: via an introduction by PMGI Limited to MORE TH>N. MORE TH>N is a trading name of Royal & Sun Alliance Insurance Plc, which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Registered office: St Mark’s Court, Chart Way, Horsham, West Sussex, RH12 1XL. Financial Services Register No. 202323.
  • Life Insurance: via an introduction by PMGI Limited to Legal & General. Legal & General Assurance Society Limited is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Registered in England & Wales No. 00166055. Registered office: One Coleman Street, London, EC2R 5AA. Financial Services Register No. 117659.
  • Personal Loans: PMGI Limited, trading as Police Mutual, is acting as a credit broker. Neyber Limited is acting as lender for the purposes of entering into a consumer credit agreement. PMGI Limited, trading as Police Mutual, is authorised and regulated by the Financial Conduct Authority. Registered in England & Wales No. 1073408. Registered office: Alexandra House, Queen Street, Lichfield, Staffordshire, WS13 6QS. Financial Services Register No. 114942. Neyber Limited is authorised and regulated by the Financial Conduct Authority. Registered address: 1st Floor, 3 Finsbury Avenue, London, EC2M 2AR. Company registered number: 08806631. Financial Services Register No. 718709.

Healthcare: PMHC Limited, trading as Police Mutual, is registered in England and Wales No. 03018474. Registered office: Alexandra House, Queen Street, Lichfield, Staffordshire, WS13 6QS. Healthcare is a discretionary scheme and is not an insurance product. This product is not regulated by the Financial Conduct Authority and therefore is not covered by the Financial Ombudsman Service or the Financial Services Compensation Scheme.

Police Mutual Foundation: Police Mutual Assurance Society Limited, trading as Police Mutual, is an incorporated friendly society. Registered office: Alexandra House, Queen Street, Lichfield, Staffordshire, WS13 6QS. Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Financial Services Register No. 110050.

This page was last updated on 1 February 2019.