Please read these terms of use carefully before you start to use our Website www.pois.co.uk (‘Website’).

If you do not agree to these Terms of Use, please refrain from using our Website:  Continuing to use our Website indicates that you accept these Terms of Use and that you agree to abide by them.

We may revise our Terms of Use at any time by amending this page. Please make sure you check this page from time to time to take notice of any changes made, as they are binding on you. Some of the provisions contained in these Terms of Use may also be superseded by provisions or notices published elsewhere on our Website.

For information on our Privacy Policy or Cookies Policy, please click on the relevant link below:

POIS

POIS is not part of the Post Office or Royal Mail plc. POIS is a trading name of The Ancient Order of Foresters Friendly Society Limited which is an Incorporated Friendly Society (Registration No. 511F) and is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority (Registration No. 110029).

Registered Office:
Third Floor
Enterprise House
Ocean Way
Ocean Village
Southampton
SO14 3XB

Our details can be checked on the Financial Services Register by visiting the FCA’s website, or by contacting the FCA on 0800 111 6768.

General

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

If you are accessing this outside the UK, POIS may only provide our financial products and services to permanent residents of the United Kingdom.

Copyright, Trademark and Website Content

You acknowledge and accept that all copyright, trademarks and all other intellectual property rights in all material or content provided as part of the Website belong to POIS. You may download material from this Website for your own use and to complete applications for our products only. No right, title or interest in any downloaded material is transferred to you by such downloading.

Any other use of the material and content of the Website is strictly prohibited and you agree not to copy, reproduce, transmit, download, frame, publish, display, distribute, commercially exploit or create derivative works of such material except with our prior written consent.

Reasonable steps have been taken to protect the Website by the use of anti-virus software but we make no representation that the Website will meet your requirements or will be uninterrupted, timely, secure or error-free, that defects will be corrected, or that the Website or the server that makes it available are free of viruses or bugs or represents the full functionality, accuracy or reliability of the materials. We will not be liable to you for any loss of content or material uploaded or transmitted through the Website.

Accuracy of Information

Whilst we take all reasonable steps to ensure that the information contained within these pages is accurate and up-to-date, no liability can be accepted for any errors or omissions.

Validity of Information

If you are in any doubt as to the validity of information made available within these pages, or if you wish to rely on this information, then it may be in your best interest to seek verification by contacting us. Should you have any doubt as to the suitability of any products offered by us, you should contact a financial adviser.

Our Liability

The material displayed on the Website is provided without any guarantees, conditions or warranties as to its accuracy. To the extent permitted by law, POIS (as a trading name of The Ancient Order of Foresters Friendly Society Limited) together with other members of our group of companies and third parties connected to us hereby expressly exclude:

All conditions, warranties and other terms which might otherwise be implied by statute, common law or the law of equity.

Any liability for any direct, indirect or consequential loss or damage incurred by any user in connection with the Website or in connection with the use, inability to use, or results of the use of the Website, any websites linked to it and any materials posted on it, including, without limitation any liability for loss of income or revenue; loss of business; loss of profits or contracts; loss of anticipated savings; loss of data; loss of goodwill; wasted management or office time; and for any other loss or damage of any kind, however arising and whether caused by tort (including negligence), breach of contract or otherwise, even if foreseeable.

This does not affect our liability for fraudulent misrepresentation or misrepresentation as to a fundamental matter, nor our liability to you under the Financial Services and Markets Act 2000, nor any other liability which cannot be excluded or limited under applicable law.

External Links

Throughout the POIS website we may provide links to sites operated by other people who we believe offer services and/or products which complement those offered by us and we make no representations whatsoever about any other site(s) which you may access through this Website or which may link to the Website.

When you access any other site you understand that it is independent from www.pois.co.uk and that we have no control over the content or availability of that site. If you use one of these links, you will leave our site and we take no responsibility for and give no warranties, guarantees or representations in respect of linked sites. Whilst we are authorised and regulated by the FCA and PRA, sites operated by third parties to whom we may be linked or who link to us, may not be.

Privacy & Data Protection

Please refer to our separate Privacy Policy

Financial Services Compensation Scheme

We are covered by the Financial Services Compensation Scheme (FSCS). 

Further information is available from the FSCS:
Tel: 0800 678 1100
www.fscs.org.uk

Jurisdiction and Applicable Law

The English courts will have jurisdiction over any claim arising from, or related to, a visit to our Website although we retain the right to bring proceedings against you for breach of these conditions in your country of residence or any other relevant country. These terms of use are governed by English law.