In these terms, 'the Company' 'We' 'Us' 'Our ' 'Ourselves' and PAS refer to Personal Assurance Services Limited and ‘You’ and 'Your' mean any person accessing this website.

Access to and use of this website (https://www.personal-group.com) (“the Site”) is provided by PAS, subject to the following terms. Please note that this does not affect Your statutory rights.

Use of the Site
The contents of this Site, including these terms and conditions of use are subject to change, and any such changes will be notified by an announcement. By browsing this Site You are accepting that You are bound by the current terms and conditions and You should check these each time You revisit the Site. If You do not wish to accept the new terms and conditions You should not continue to use the Site.
The contents of this Site are provided for information purposes only and nothing on the pages of this Site shall constitute the provision of financial, investment or other professional advice in any way.

We make no promise that materials on this Site are appropriate or available for use outside the United Kingdom and accessing this Site from territories where its contents are illegal or unlawful is prohibited. If You choose to use this Site from locations outside the United Kingdom, You do so on Your own initiative and are responsible for compliance with local laws.

Whilst We believe the content of this Website to be accurate please note that information may be inaccurate, incomplete or out of date.

Uninterrupted and error free access is not guaranteed. Nor is the Site guaranteed as virus or bug free and availability may be suspended from time to time for maintenance. It is Your responsibility to ensure that You have the appropriate hardware, software or protection (including virus protection) to enable You to use this Site and download information from it safely and securely.

Ownership of Materials
Unless otherwise stated PAS is the owner or licensee of the copyright and any other rights in this Site, its pages, the screens displaying the pages and all information and material contained herein.

You may not reproduce, republish, transmit or distribute this Site in whole or in part without the prior consent of PAS save for the purpose of accessing Our products and/or services and for producing print outs for Your own personal records.

Links
The links to other Websites are provided for Your convenience, but You should be aware that We are not responsible for the content and practices of other Sites. You are encouraged to check any terms and conditions that may be imposed.

General
If there is any conflict between these terms and any specific terms relating to any employee benefit, then the latter will prevail.

If any of these terms if is found to be unlawful or unenforceable it shall be deleted and the remaining terms unaffected.

Any failure to exercise or delay in exercising a right or remedy by Us shall not prevent Us from taking further action on any subsequent occasion.

These terms shall be governed by and construed in accordance with English Law.

Privacy Policy
PAS takes the privacy of your information very seriously. This policy explains how and for what purposes we use the information collected about you via https://www.personal-group.com (referred to below as the "Site"). In this policy, 'the Company' 'We' 'Us' 'Our ' 'Ourselves' and PAS refer to Personal Assurance Services Limited and ‘You’ and 'Your' mean any person accessing this Site.

1 Personal information collected

1.1 Depending on the nature of Your query, We may collect the following information from You:
1.1.1 Name and user name;
1.1.2 E-mail address;
1.1.3 Address;
1.1.4 Telephone number;
1.1.5 Profession;
1.1.6 The investor information (company announcements and financial statements) You have selected;
1.1.7 Details pertinent to Your claim;
1.1.8 Details pertinent to Your mortgage enquiry.
1.2 Although it is not compulsory to give us this information, if You do not then We may not be able to provide You with the full range of services the Site has to offer.

2 Use of this information
2.1 We will use this information in order to:
2.1.1 Supply You with the investor information You have selected;
2.1.2 Deal with Your query;
2.1.3 Supply You with a claim form;
2.1.4 Provide You with mortgage advice as requested;
2.1.5 Give You access to the policy details You have requested.

3 Sharing this information
3.1 This information will only be shared within the Personal Group Holdings plc group of companies from time to time. For a full list of companies within the group please contact Us at enquiries@personal-group.com.

4 Changes to your details
We aim to keep our information about You as accurate as possible. If You would like to review or change the details you have supplied Us with, please contact Us at enquiries@personal-group.com.

5 Linking to third party websites
5.1 We cannot be responsible for the privacy policies and practices of other sites even if You access them using links from Our Site and recommend that You check the policy of each site You visit and contact its owner or operator if You have any concerns or questions.

5.2 In addition, if You linked to this Site from a third party site, We cannot be responsible for the privacy policies and practices of the owners or operators of that third party site and recommend that You check the policy of that third party site and contact its owner or operator if You have any concerns or questions.

6 Transferring your information outside of Europe
6.1 If You use Our services while You are outside the EU, Your information may be transferred outside the EU in order to provide You with those services.

7 Contact us
If at any time You would like to contact us with Your views about Our privacy practices, or with any enquiry relating to Your personal information, You can do so by sending an e-mail to Us at enquiries@personal-group.com or write to Us at:

The Data Protection Officer (PAS)
John Ormond House
899 Silbury Boulevard
Central Milton Keynes
MK9 3XL
Telephone 01908 605000
Fax 01908 201711