ACCESSIBILITY STATEMENT,
PRIVACY POLICY STATEMENT, TERMS OF BUSINESS, & COOKIE POLICY

ACCESSIBILITY

Accessibility Statement.

Online Information Practices

We are committed to protecting your personal privacy as you visit this website. As a visitor to our site, you have the right to understand our privacy and security practices prior to providing the companies of CMutual Group with personal information.

Information We May Collect

The information we collect varies depending on the type of activity you are performing and helps us personalise and continually improve your experience. Much of our website can be accessed without providing any personal information. On all pages that collect personal information, we specifically indicate what information is required in order to provide you with the product or service you have requested.

Online Application and Enrollment Forms

When you apply online for products or services, we may need to collect personal information in order to complete your request. The personal information we collect varies depending upon the product or service for which you apply. Examples of information we may collect include information such as your name, address, date of birth, gender, employment and financial information, e-mail address, beneficiary information, bank account details, credit card number, etc. Information we capture through applications or enrollments is securely transferred to the corresponding business area for completion and is not distributed to third parties.

Browsing

When you visit our site, we gather information including page requests (URL requests), time of your visit, your IP address, operating system, web browser software, and any cookies which were set during a previous visit to our site. This information is collected to improve your overall experience. We also use the information to track site usage and compile statistics. This helps us improve the site so that you will find it more useful and informative and enable customised promotions you may be interested in. IP address information is not distributed to third parties.

Financial Calculators

Where we offer online financial management calculators to assist you in your personal financial analysis and planning efforts. The information necessary to perform the calculations includes personal financial information; however, this information does not include personal identifiers to link the information to your identity. The information you enter is not stored or retained by us. The information is used only in the aggregate and cannot be tracked back to the individual.

How We Use Your Information

Information collected through this website may be used to:

Improve the quality of your visits to our site, and your overall experience
Respond to your questions or suggestions
Fulfill your online application or enrollment requests
Send promotional offers to selected groups of website visitors

Who We Share Your Information With

We limit the release of information and we do not sell customer information. We will share information only when necessary to administer products and services we provide, when we partner with credit unions or strategic partners to offer you a broader array of products and services, or when required by law, subject always to data protection legislation. We require strict privacy protections in our business relationships. If you prefer that we do not share your personal information for marketing purposes with your credit union or any other nonaffiliated third party, please send an email to insurance@cmutual.co.uk or insurance@cmutual.ie stating this.

Control Over and Access to Your Information

We enable you to have control over the accuracy of your personal account information. You can delete or change your personal account information at any time by contacting us via a method described under “Contact Us” below.

Linking to Third Parties

When you leave this website and go to another linked site, we are not responsible for the content or availability of the linked site. Please be advised that if you enter into a transaction on the third party site, we do not represent either the third party or you. Further, the privacy and security policies of the linked site may differ from those practiced by us.

Changes to the Privacy Statement

This Privacy Statement was last updated March 2024. We reserve the right to amend this Statement from time-to-time. Any material change to our online privacy practices will be reflected in this Website Privacy Statement.

General Data Protection Regulation (GDPR) Notice

At CMutual we are committed to keeping your privacy and information safe. We respect the trust you’ve placed in us, and this Notice is a copy of our policy around how we do this.

Our privacy notice tells you what we do with information we collect about you. It’s relevant to anyone who uses our services, including policyholders, prospective policyholders, our partners and visitors, our website users and beneficiaries under our policies.

It is the intention of this privacy statement to explain to you the information practices of CMutual in relation to the information we collect about you.

For the purposes of the GDPR the data controller is:

CMutual Group Limited

Located at:

CMutual

10.2 Centre City

Hill Street

Birmingham

B5 4UA

When we refer to ‘we’ it is CMutual.

Who are we?

CMutual is the pre-eminent insurance specialist for Credit Unions. We have unique expertise in tailoring protection solutions to fit the needs of the credit union and its members. We are an Insurance broker regulated by the Financial Conduct Authority. CMutual staff are experts in Commercial Insurance products, and Credit Union insurance needs. CMutual group offer quotations, and policies for clients to fit their needs.

The controller (as defined in the GDPR) of your personal data for all purposes outlined in the policy is CMutual. We can be contacted by post at CMutual, 10.2 Centre City, Hill Street, Birmingham, B5 4UA, by telephone at 0121 8248 100 or by email at Insurance@cmutual.co.uk

Purpose for processing your data:

To provide insurance quotations to potential clients.
To offer clients and potential client’s insurance for their needs and requirements.
To provide ongoing insurance support.
As part of our ongoing Anti-Money Laundering (AML) requirements, we have an obligation to carry out customer due diligence on each of our customers.

Why are we processing your data? Our legal basis.

We will only process your data where we have a legal basis in accordance with data protection Law.

In order for us to provide you with our services, CMutual needs to collect personal data for the purpose of providing you with insurance quotations and incept policy cover on your instruction.

CMutual needs to process your data as this is necessary in relation to a contract of insurance to which the individual has entered into or because the individual has asked for something to be done so they can enter into a contract.

CMutual provides quotations, and policies on a range of Commercial Credit Union insurance products, for both Life and General insurance.

CMutual is committed to ensuring that the information we collect, and use is appropriate for this purpose, and does not constitute an invasion of your privacy.

How will CMutual use the personal data it collects about me?

CMutual will process (collect, store and use) the information you provide in a manner compatible with the EU’s General Data Protection Regulation (GDPR). We will endeavour to keep your information accurate and up to date, and not keep it for longer than is necessary.

Special Categories of personal data

If we collect any special categories of personal data (e.g., health). We will ensure that we will obtain your explicit consent prior to collecting such data.

Please note in order for us to provide some insurance quotations we must ask questions in relation to convictions and prosecutions pending.

Who are we sharing your data with?

CMutual is a regulated insurance intermediary, holding agency agreements with insurance companies to provide clients with quotations and policies of insurance. We collect data required for the provision of contract terms and this information is shared with relevant insurance companies and underwriting partners who provide the insurance premium for the risk being proposed to them.

We may pass your personal data on to third-party service providers contracted to CMutual in the course of dealing with you. Any third parties that we may share your data with are obliged to keep your details securely, and to use them only to fulfil the service they provide on your behalf. When they no longer need your data to fulfil this service, they will dispose of the details in line with CMutual procedures. In certain cases where you the client appoint a third party to act on your behalf (loss assessors for example) we will share data with them on your written request to do so.

If we wish to pass your sensitive personal data onto a third party we will only do so once we have obtained your explicit consent unless we are legally required to do otherwise.

If we transfer personal data to a third party or outside the EU, we as the data controller will ensure the recipient (processor or another controller) has provided the appropriate safeguards and on condition that enforceable data subject rights and effective legal remedies for you the data subject are available.

Data Subjects Rights:

CMutual behaves in line with our data protection policy and the subject access request procedure. This is available on request. For any GDPR related queries please email insurance@CMutual.co.uk

Your rights as a data subject:

At any point while we are in possession of or processing your personal data, you, the data subject, have the following rights:

Right of access – you have the right to request a copy of the information that we hold about you.
Right of rectification – you have a right to correct data that we hold about you that is inaccurate or incomplete.
Right to be forgotten – in certain circumstances you can ask for the data we hold about you to be erased from our records.
Right to restriction of processing – where certain conditions apply to have a right to restrict the processing.
Right of portability – you have the right to have the data we hold about you transferred to another organisation.
Right to object – you have the right to object to certain types of processing such as direct marketing.
Right to object to automated processing, including profiling.
Right to judicial review – in the event that CMutual refuses your request under rights of access, we will provide you with a reason as to why.

All the above requests will be forwarded on should there be a third party involved as we have indicated in the processing of your personal data.

Retention of your personal data

Data will not be held for longer than is necessary for the purpose(s) for which they were obtained. CMutual will process personal data in accordance with our retention schedule. This retention schedule has been governed by our regulatory body and our internal governance.

Complaints

In the event that you wish to make a complaint about how your personal data is being processed by CMutual or how your complaint has been handled, you have the right to lodge a complaint directly with the supervisory authority and CMutual.

You may also lodge a complaint with the Information Commissioner’s Office in the UK, whose details are:

Information Commissioner’s Office

Web: https://ico.org.uk/make-a-complaint/

Tel: 0303 123 1113

Failure to provide further information.

If we are asking for your data for an insurance contract/quotation and you cannot provide this data the consequences of this could mean the contract cannot be completed, quotation cannot be provided, or details are incorrect.

Contact Us

Your privacy is important to us. If you have any comments or questions regarding this statement, please contact our data protection officer on 0121 8248 100 or by email at Insurance@cmutual.co.uk

Privacy policy statement changes:

CMutual may change this privacy policy from time to time. When such a change is made, we will post a revised version online. Changes will be effective from the point at which they are posted. It is your responsibility to review this privacy policy periodically so you’re aware of any changes. By using our services, you agree to this privacy policy.

This privacy policy was last reviewed in January 2025

CMutual Group Limited is regulated by the Financial Conduct Authority with the registered company number 03571106 its registered offices are at CMutual Group Limited, 7th & 8th Floors, 24 King William Street, London, EC4R 9AT.

Tel: 0121 8248 100 or by email at Insurance@cmutual.co.uk

Terms of Business

CMutual Group Limited

7th & 8th Floors, 24 King William Street, London, EC4R 9AT

Registered in the United Kingdom — Company number 03571106

1. Who are we?

CMutual Group Limited, trading as CMutual (“we”, “us”, “our”, “CMutual”), is an insurance intermediary authorised and regulated by the Financial Conduct Authority (FCA). Our FCA Firm Reference Number (FRN) is 304814.

Our permitted business is advising on, arranging, dealing as agent and assisting in the administration and performance of non-investment insurance contracts for commercial and retail clients.

You can check this on the FCA’s Register by visiting www.fca.org.uk/register or by contacting the FCA on 0800 111 6768. You can find out more about us at www.cmutual.co.uk.

2. Accepting our Terms of Business

This agreement, together with any separate written agreement between you and CMutual, sets out the terms on which we agree to act for you when we are instructed to provide services. By asking us to arrange or handle your insurance you provide your informed agreement to these terms of business. Please read them carefully and contact us if there is anything you do not understand — we will be happy to explain it.

Where any material change is made to these terms, we will give you at least one month’s written notice before the change takes effect, unless the change is required sooner to reflect a change in applicable law or regulation.

3. Our commitment to good customer outcomes

We are committed to acting in your best interests and to delivering good outcomes for you. This reflects the FCA’s Consumer Duty (Principle 12 and the rules in PRIN 2A of the FCA Handbook), which requires us to act in good faith, to avoid causing you foreseeable harm, and to support you in pursuing your financial objectives.

In practice, this means we focus on four areas of customer outcome:

Products and services: We only arrange products that are designed to meet the needs of customers like you, and we do not distribute products to customers they are not designed for.

Price and value: We assess, with the insurers concerned, whether the products we distribute offer fair value — taking account of the total price you pay, including our remuneration and any charges added elsewhere in the distribution chain.

Consumer understanding: We aim to give you clear, fair and not misleading information at the right time, so you can make informed decisions about your insurance

Consumer support: We provide support that meets your needs throughout your relationship with us, including when you want to make a change, make a claim or make a complaint.

These obligations apply to retail customers. Where you are a commercial customer, we will treat you fairly and professionally and apply these standards so far as they are relevant to you.

4. Whose products do we offer?

We offer products from a limited number of insurers with whom we have a written agreement to do so. We do not provide products on the basis of an analysis of all of the products available across the whole of the market.

We currently offer products underwritten by the following insurers:

Group Term Life Products

Aviva Life and Pensions UK Limited

A life insurance company registered in the United Kingdom with registration number 03253947, authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Registered office: Wellington Row, York YO90 1WR.

Contractual Liability Insurance

AmTrust Specialty Limited

Company number 1229676, incorporated in England and Wales, registered office Exchequer Court, 33 St Mary Axe, London EC3A 8AA, authorised by the Prudential Regulation Authority to conduct insurance business under firm reference number 202189.

Commercial Liability Cover

Ecclesiastical Insurance Office plc

Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Registered in England and Wales with registered number 00024869. Registered office: Beaufort House, Brunswick Road, Gloucester GL1 1JZ, England.

Fidelity Bond and Directors and Officers Products

American International Group UK Limited (AIG)

Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority (FRN 781109). Registered in England, company number 10737370. Registered office: The AIG Building, 58 Fenchurch Street, London EC3M 4AB.

Cyber Insurance

CFC Underwriting Limited

Registered in England and Wales under company number 3302887, registered office 85 Gracechurch Street, London EC3V 0AA. Authorised and regulated by the Financial Conduct Authority (FRN 312848).

We will not, in any circumstances, guarantee the solvency of any insurer. We can act both as agent of the insurer and on your behalf, and we have management controls in place to deal with any conflict of interest that may arise (see section 14).

4.1 Insurers for whom we no longer offer new products (administration and run-off)

We continue to provide administration services in line with our existing contractual arrangements with the insurer below, for whom we no longer offer new products. Existing policies are administered through run-off and we continue to assist eligible policyholders with the administration and claims handling of cover already in force.

Maiden Life Försäkrings AB, UK Branch

Firm Reference Number 464517, UK establishment number BR023675. Authorised and regulated by the Prudential Regulation Authority and the Financial Conduct Authority. UK establishment office: Albion House, Valley Centre, Gordon Road, High Wycombe HP13 6EQ, United Kingdom.

5. Which service will we provide you with?

You will not receive advice or a personal recommendation from us. We may ask questions to narrow down the range of products on which we will provide information, but you will then need to make your own choice about how to proceed.

Before we conclude an insurance contract, we will specify, on the basis of the information you provide, your demands and needs and the reasons for any product information we give you. We will, at your request, arrange cover you consider appropriate with one or more of the insurers referred to above and help you with any ongoing changes you wish to make.

6. Your duty of disclosure (consumer customers)

The Consumer Insurance (Disclosure and Representations) Act 2012 requires you to take reasonable care not to make a misrepresentation to an insurer. It is important that you ensure the accuracy of all information provided on proposal forms, statements of fact, claim forms and other documents, and that you keep copies of all such documents you complete. If you have any doubt about your obligations under this Act, please contact us immediately.

7. Your duty of fair presentation (commercial customers)

The Insurance Act 2015 requires all commercial insureds to make a fair presentation of the risk before the policy commences and at renewal or variation. You must ensure that any information you provide is correct to the best of your knowledge, and that any representations of expectation or belief are made in good faith. A failure in this regard could result in your policy being avoided, or a claim being reduced or rejected, by an insurer.

8. Customers in vulnerable circumstances

We recognise that any customer may find themselves in a vulnerable situation, whether permanently or temporarily — for example through ill health, bereavement, a change in financial circumstances or a major life event. We want to provide you with the support you need.

If there is anything that affects how you would like us to communicate with you, or any support you need to engage with us or to understand your insurance, please tell us. We will record and respond to your needs sensitively and treat the information in confidence in accordance with section 16.

9. Remuneration for our services

We are usually paid a percentage of the premium due to the insurer for the insurance policy (a commission or brokerage). For certain policies we arrange, the insurer may also pay us an additional amount on achieving specified profit targets — often referred to as profit share.

You will not pay us a separate fee for the services covered by these terms.

We assess the remuneration we receive as part of our consideration of whether a product provides fair value to you, and we are satisfied that our remuneration does not conflict with our duty to act in your best interests. You are entitled, at any time, to ask us for information about the commission or other remuneration we receive as a result of placing your insurance, and we will tell you.

10. Handling client money

Where premiums are collected by us, our financial arrangements with the relevant insurers are on a risk transfer basis. This means that we hold premiums, and any refunds due to you, as agent of the insurer with which your insurance is arranged. Such monies are held in a segregated client account and are treated as being held by that insurer.

By instructing us to place insurance on your behalf in an arrangement that involves the payment of premiums to us, you give your informed consent to these client money arrangements. If there is anything you do not understand or do not accept, please discuss it with us before proceeding.

11. Payment and non-payment of premium

You are responsible for paying your premium within the time required, or otherwise in accordance with the terms of your contract of insurance. Non-payment of premium, or failure to disclose relevant information, may result in your insurer cancelling or avoiding your policy, or declining a claim. Please refer to your policy documentation for the specific terms that apply, and contact us promptly if you anticipate any difficulty in making a payment.

12. Making a claim

You must notify us, or the insurer, of any claim or any circumstance that could give rise to a claim as soon as reasonably possible, and in any event within any time limit set out in your policy. Your policy documentation describes the procedures and conditions that apply to making a claim. Failure to notify a claim or relevant circumstance in time may prejudice or invalidate your claim. We will assist you in pursuing valid claims under policies we have arranged for you.

13. Cancellation and cooling-off

To cancel a policy at any time, you should contact us in writing and return the relevant certificate of insurance to us or to the insurer concerned. Your policy document will set out your rights to cancel.

Depending on the type of policy, you may be entitled to cancel within 14 or 30 days of either the conclusion of the contract or your receipt of the policy documentation, whichever is later — this is often referred to as the cooling-off period.

Premiums for unexpired periods of risk will be refunded on cancellation, subject to the cancellation terms of your policy

14. Conflicts of interest

We seek to avoid any conflict of interest when providing services to you. We maintain a conflicts of interest policy and management controls to identify and manage any conflict that may arise — including conflicts arising from the commission and profit share arrangements described in section 9. Where an unavoidable conflict of interest arises, we will tell you in writing and, where appropriate, ask for your written confirmation to proceed before we provide the relevant service. A copy of our conflicts of interest policy is available on request.

15. Limitations and exclusions of our liability

The following provisions set out our entire financial liability to you.

You acknowledge and agree that you shall only be entitled to make a claim against us, and not against any individual employee or consultant engaged by us. Our liability for losses suffered by you arising under or in connection with the provision of our services, whether in contract, tort (including negligence), breach of statutory duty or otherwise (including our liability for the acts or omissions of our senior management, employees and any appointed representatives), shall be limited in all circumstances to the monetary value of the commission we received in respect of the relevant policy. Any claim or series of claims arising from one act, error, omission, incident or original cause shall be considered to be one claim. We shall not be liable to you for any loss of profit or loss of business, whether occurring directly or indirectly, arising out of or in connection with the provision of our services.

Nothing in these terms shall exclude or limit our liability for death or personal injury caused by our negligence, for loss arising from our fraud or fraudulent misrepresentation, for breach of any regulatory obligation we owe to you, or for any other liability that cannot lawfully be excluded or limited.

16. Confidentiality and data protection

We respect your right to privacy and comply with our obligations under the UK General Data Protection Regulation (UK GDPR) and the Data Protection Act 2018. We treat all personal data we hold with care, holding it securely and using it only for legitimate and lawful purposes. Our staff may access your data only on a least-privilege basis — that is, only those with a specific need to do so for their role.

We will use your personal information to:

assess and provide the products or services you have requested;
communicate with you in relation to servicing and administering your product;
administer and handle claims;
meet our legal and regulatory obligations;
undertake analysis to help us improve our services and products; and
notify you of important changes to products or to our website.

We may share your information with insurers and their agents, with other parties necessary to provide our services to you, and with regulatory and law enforcement authorities where required. You have rights over your personal data, including the right to request a copy of it. To exercise your rights, or for any data protection query, please contact our Data Protection Officer at CMutual Group Limited, 10.2 Centre City, Hill Street, Birmingham B5 4UA. If you are not satisfied with how we handle your data, you have the right to complain to the Information Commissioner’s Office (ICO) at www.ico.org.uk. Full details are in our Privacy Policy, available at www.cmutual.co.uk.

17. Financial crime, sanctions and anti-bribery

UK money laundering regulations require us to obtain adequate “Know Your Client” information about you and to screen you against the applicable financial sanctions lists. If, on request, you are unable or unwilling to provide supporting information, this may affect our ability to provide ongoing services to you.

We are obliged to report to the National Crime Agency, and/or other relevant authorities, any evidence or suspicion of financial crime at the first opportunity, and we may be prohibited by law from disclosing that we have done so. We may be unable to perform our obligations to the extent that doing so would breach financial crime or sanctions requirements, and we will not be liable to you for any step we, your insurers or other parties take to comply with those requirements. You agree to comply with all applicable anti-bribery and anti-corruption laws in your dealings with us.

18. What to do if you have a complaint

If you wish to make a complaint, please contact us:

In writing: CMutual Group Limited, 10.2 Centre City, Hill Street, Birmingham B5 4UA.
By telephone: 0121 824 8100.

We will handle your complaint in accordance with FCA rules. If you are not satisfied with our final response, or if we have not resolved your complaint within eight weeks, you may be entitled to refer it to the Financial Ombudsman Service. Eligible complainants include consumers and certain smaller businesses (including micro-enterprises and small businesses within the FCA’s eligibility criteria). Their contact details are:

The Financial Ombudsman Service, Exchange Tower, London E14 9SR.

Telephone: 0800 023 4567 or 0300 123 9123.

Email: complaint.info@financial-ombudsman.org.uk.

Website: www.financial-ombudsman.org.uk.

Referring a complaint to the Financial Ombudsman Service does not affect your right to take legal action. A full copy of our complaint procedure is available on request.

19. Are we covered by the Financial Services Compensation Scheme (FSCS)?

We are covered by the FSCS. You may be entitled to compensation from the scheme if we cannot meet our obligations. This depends on the type of business and the circumstances of the claim.

Insurance advising and arranging is covered for 90% of the claim, with no upper limit. Where the insurance is a compulsory class, or is long-term (life) insurance, cover is for 100% of the claim, again with no upper limit.

Further information is available from the FSCS at www.fscs.org.uk.

20. General

If any provision of these terms is found to be invalid or unenforceable in whole or in part, the validity of the remaining provisions, and of the remainder of the provision in question, will not be affected.

These terms are governed by the laws of England and Wales, and the parties agree that any dispute arising out of them shall be subject to the exclusive jurisdiction of the relevant court. These terms supersede all proposals, prior discussions and representations (whether oral or written) between us relating to our appointment as your agent in connection with the arranging and administration of your insurance, and constitute an offer by us to act on your behalf in that connection.

21. No waiver or amendment

Any delay on our part in enforcing any of our rights under these terms, in whole or in part, will not be treated as a waiver of those rights. Neither we nor you may amend these terms during the period of your insurance unless we both agree, or unless an amendment is required to reflect a change of applicable law or regulation — in which case we may make the amendment and, having given you any notice required under section 2, it will be deemed accepted by you.

Effective date

This document is effective from 30 June 2026 until further notice. This version supersedes all previous versions.

Cookie Policy

A cookie is a file containing data that a website can send to your browser, which is then stored on your system. A cookie is useful for having the browser remember specific information across several pages or between visits to a website.

In accordance with the ‘Directive 2002/58 on Privacy and Electronic Communications’ ‘Directive 2006/24 on Data Retention’ and Directive 2009/136 ‘‘the Cookie Directive”’ (EU Directives) the ‘Privacy and Electronic Communications (EC Directive) (Amendment) Regulations 2011’ (UK Regulations) and the European Communities (Electronic Communications Networks and Services) (Privacy and Electronic Communications) Regulations 2011 (Irish Regulations), this site provides information to the site’s visitors on the purpose and use of ‘cookies’ on the site and gives the user the option to accept or rejects placing of the cookies.

If you want to delete any cookies that are already on your computer, please refer to the instructions for your file management software to locate the file or directory that stores cookies. Our cookies will have the file names cunainsurance.co.uk or cunainsurance.ie.

Information on deleting or controlling cookies is available at www.aboutcookies.org. Please note that by deleting our cookies or disabling future cookies you may not be able to access certain areas or features of our site.

If you have any questions concerning your privacy, please contact us at:

CMutual UK

CMutual

10.2 Centre City

Hill Street

Birmingham

B5 4UA

Ph: 0121 8248 100

e-mail: insurance@cmutual.co.uk

TERMS OF BUSINESS

ACCESSIBILITY STATEMENT, PRIVACY POLICY STATEMENT, TERMS OF BUSINESS, & COOKIE POLICY

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