Terms and Conditions

Please read the following terms and conditions of use carefully before using this Website.

By using this site, you signify acceptance of our Terms and Conditions of Use. If you do not agree to these terms, do not use this site. MGM Advantage may at any time revise these terms and conditions by updating this posting. Therefore, you should periodically visit this page to review the current terms and conditions.

Data Protection Act 1988

The Marine and General Mutual Life Assurance Society (trading as MGM Advantage) may pass information about you, and any joint applicant, to companies within the MGM Advantage Group, our third party providers or to any legal or regulatory body. We may use electronic searches, including credit reference agencies that will record any credit searches on your file. This is to help prevent fraud, to check your identity and to prevent money laundering.

Disclaimers

All information and content on MGM Advantage’s website is subject to applicable statutes and regulations, furnished “as is”, without warranty of any kind, expressed or implied, including but not limited to implied warranties of merchantability, fitness for a particular purpose, or non-infringement.

Any overviews herein are intended to be general in nature and for current interest. These overviews are not a substitute for professional tax, professional legal advice or professional financial advice. MGM Advantage is not providing tax, financial or legal advice on this website. Decisions based on information contained in MGM Advantage’s site are the sole responsibility of the visitor, and in exchange for using MGM Advantage’s site, the visitor agrees to hold MGM Advantage harmless against any claims for damages arising from any decision that the visitor makes based on such information.

MGM Advantage will employ procedures to ensure that all information provided via this site is accurate and error-free and that all services furnished by MGM Advantage via the internet are reliable and uninterrupted. MGM Advantage makes no warranty that such information is accurate or error-free or that such services will be error-free, continuously available or free from viruses, worms, programming errors or other harmful components.

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

Trade Marks

MGM Assurance Group, Marine and General Mutual Life Assurance Society Registered no. 00000006. is authorised and regulated by the Financial Services Authority. MGM Assurance (Trustees) Limited Registered no. 1279948. MGM Advantage, Designs for Retirement, MGM Assurance, and the MGM logo are Trade Marks of Marine and General Mutual Life Assurance Society. All companies registered in England and Wales. Registered office MGM House, Heene Road, Worthing, West Sussex, BN11 3AT. Telephone calls may be recorded for training and quality monitoring purposes.

Modification and Monitoring of Website

MGM Advantage reserves the right, at its discretion, to change, modify, add, or remove portions of this information or the content of our website at any time. We suggest that you check this information periodically for changes. This information can be accessed from the link at the bottom of our website pages. If you use this website after we post changes to the information or the content of the site, you accept such changes. MGM Advantage expressly reserves the right to monitor any and all use of this website.

Use of Hyperlinks – Third Party Content

MGM Advantage is not responsible for the content of any site owned by a third party connected to this website via hyperlink. As a convenience to our users, some of the documents on this website contain links to information created and maintained by other organisations. Please note that MGM Advantage does not control, cannot guarantee, and is not responsible for the accuracy, timeliness, or even the continued availability or existence of this outside information. MGM Advantage does not endorse or make any representations about the companies, products, or materials accessible through these hyperlinks. If you opt to hyperlink to other Websites accessible through MGM Advantage’s Website, you do so entirely at your own risk. Furthermore, no representation or warranty is provided for any software that you may download from a link from this Website.

Limitation of Liability

In no event shall MGM Advantage be liable for any direct, incidental or consequential damages, including, but not limited to, (i) loss of anticipated profits, benefits, use, or data or (ii) injury caused by any performance, failure of performance, error, omission, interruption, deletion, defect, delay in operation of transmission, computer virus or worm, communications line failure, theft or destruction or unauthorised access to, alteration of, or use of information, resulting from the use of or access to this site. It is possible that all or a portion of the forgoing disclaimers or limitations of liability may not be enforceable in the jurisdiction in which you reside.

Copyright Policy

MGM Advantage maintains a copyright in the text, logos and graphics contained throughout this website, except where specifically noted below. Unauthorised copying, reproducing, uploading, downloading, duplicating or transmitting of any material contained on this website is prohibited.

Adobe, Acrobat, Acrobat Reader, and the Acrobat logo are trademarks of Adobe Systems Incorporated.

Termination of Access to Site

You understand that, if at any time you no longer agree with these Terms of Site Access, your sole remedy shall be to cease using the site. In addition, upon receipt of written instructions from you, MGM Advantage will take action to prevent access to the site by you or other persons previously authorised by you to access the site on your behalf.

Cookies In Use on This Site

Cookies and how they Benefit You

Our website uses cookies, as almost all websites do, to help provide you with the best experience we can. Cookies are small text files that are placed on your computer or mobile phone when you browse websites

Our cookies help us:

- Make our website work as you’d expect

- Remember your settings during and between visits

- Improve the speed/security of the site

- Allow you to share pages with social networks like Facebook

- Continuously improve our website for you

- Make our marketing more efficient (ultimately helping us to offer the service we do at the price we do)

We do not use cookies to:

- Collect any personally identifiable information (without your express permission)

- Collect any sensitive information (without your express permission)

- Pass data to advertising networks

- Pass personally identifiable data to third parties

- Pay sales commissions

You can learn more about all the cookies we use below.

Granting us permission to use cookies

If the settings on your software that you are using to view this website (your browser) are adjusted to accept cookies we take this, and your continued use of our website, to mean that you are fine with this. Should you wish to remove or not use cookies from our site you can learn how to do this below, however doing so will likely mean that our site will not work as you would expect.

More about our Cookies

Website Function Cookies: Our own cookies

We use cookies to make our website work including:

- Remembering your search settings

- Allowing you to add comments to our site

There is no way to prevent these cookies being set other than to not use our site.

Social Website Cookies

So you can easily like or share our content on the likes of Facebook and Twitter we have included sharing buttons on our site.

Cookies are set by:

- ShareThis - Privacy Policy provide us with lots of sharing buttons all in one neat package

- Twitter - Privacy Policy

- AddThis - Privacy Policy provide us with lots of sharing buttons all in one neat package

The privacy implications on this will vary from social network to social network and will be dependent on the privacy settings you have chosen on these networks.

Anonymous Visitor Statistics Cookies

We use cookies to compile visitor statistics such as how many people have visited our website, what type of technology they are using (e.g. Mac or Windows which helps to identify when our site isn’t working as it should for particular technologies), how long they spend on the site, what page they look at etc. This helps us to continuously improve our website. These so called analytics programs also tell us if , on an anonymous basis, how people reached this site (e.g. from a search engine) and whether they have been here before helping us to put more money into developing our services for you instead of marketing spend.

We also use technology to determine how people who phone us arrived on our website (e.g. from a search engine or by clicking on an advert). This is to help us to identify how people heard about us. Please be aware that if you call us, using a phone number on the website we can potentially tell how you arrived on our website. Again this ultimately helps us keep down costs for you.

Turning Cookies Off

You can usually switch cookies off by adjusting your browser settings to stop it from accepting cookies (Learn how here). Doing so however will likely limit the functionality of our’s and a large proportion of the world’s websites as cookies are a standard part of most modern websites