In these terms and conditions when we use the words “KRPS”, “we”, “us” and similar expressions we are referring to Kent Reliance Provident Society Limited.

Website terms and conditions

Please read these terms and conditions carefully.

When you use this website you are agreeing to and accepting these terms and conditions and any other terms and conditions posted on this website by KRPS from time to time. We may change these terms and conditions at any time, simply by updating this page. You should therefore check these terms and conditions regularly, as we will consider that your use of the site after any changes means that you accept the new terms and conditions.

These terms and conditions only cover your use of the site. Our products have their own terms and conditions, and you should read those if you are interested in any product. If the product terms and conditions are different from the site terms it is the product ones that apply.

Use of this website

The information on this site is written for UK residents only. This is not an offer to sell our products or do business with anyone located anywhere outside the UK. Please note that the UK does not include Jersey, Guernsey and other parts of the Channel Islands.

Copyright and trade marks

KRPS does not give you any right or interest in any copyright or other intellectual property rights in any materials made available through this website. You may download or copy extracts for your personal use but not for any other purpose, nor do you have the right to alter any material on any part of this website.

The copyright and related rights in this website and all the underlying or related software, materials and pages relating to this website is owned by, or licensed to, KRPS and may not be used, copied or altered without our express consent. Copyright extends to the design and layout of the website, all text, html code, metadata, and photographs on it and its related marketing materials.

Disclaimer

This website may contain information, text, data, graphics, photographs, illustrations, artwork, names, logos, trade marks and information about KRPS and on the products and services it provides (the “information").

The website and information is provided “as is" and on an “as available" basis only and KRPS does not guarantee the accuracy, timeliness, completeness, performance or fitness for a particular purpose of the website nor of any of the information contained therein. No responsibility is accepted by or on behalf of KRPS for any errors, omissions, or inaccuracies in the information on the website.

Although KRPS attempts to ensure that the information contained in this website is accurate and up-to-date, we accept no liability for the results of any action taken on the basis of the information it contains and all implied warranties, including but not limited to the implied warranties of satisfactory quality, fitness for a particular purpose, non-infringement, compatibility, security and accuracy, are excluded from these terms and conditions to the extent that they may be excluded as a matter of law. We do not attempt to exclude any rights you may have that we cannot exclude as a matter of law.

Except in respect of death or personal injury resulting from our negligence or in respect of fraud, none of KRPS, its directors, employees or other representatives will be liable for any loss or damage you suffer including, without limitation, indirect or consequential loss or damage, loss of revenue or profit (whether direct or indirect) or any loss or damage arising from loss of use or data, whether in contract, tort, negligence or otherwise, arising out of or in connection with the use of this website. However, this will not limit our responsibility for complying with any duty or liability which we have towards customers or our members under the regulatory system.

Availability

We try to make sure that the site is available all the time. However, we do not undertake that the performance of the website will be uninterrupted or error free or that any defects will be corrected. We are not liable for the site being unavailable, however long it might be out of action. Consequently, we will not be liable for any loss or damage arising in contract, tort, negligence or otherwise if the website becomes unavailable or is suspended for any reason.

Viruses

Although we endeavour to ensure that the website is virus-free, we cannot warrant to you that the website will remain free from viruses and, therefore, we will not be responsible for any technical problems arising from the use of this website.

Offer and advice

The services provided on this website do not constitute an offer to sell any of our products; neither does the information constitute financial, investment, tax or other professional advice.

Linking

Websites to which this website is linked have not been reviewed by KRPS. We accept no responsibility for the content of such websites. You may not frame, link or deep-link this website to any other website without our prior written consent.

Data protection

When you use this website and/or if you apply for products or services on our website, you may provide us with personal data. We will deal with this personal data in accordance with our obligations under the Data Protection Act 1998. Please refer to our privacy policy to understand how we will process, use and store your personal information.

Use of Cookies

This site uses cookies.

Cookies are small text files that web servers can store on your computer's hard drive when you visit a website. They allow the server to recognise you when you revisit the website and to tailor your web browsing experience to your specific needs and interests and help maintain your security when you log into our secure services.

Cookies can be first or third party cookies. First party cookies are owned and created by the site owner, and third party cookies are owned and created by an independent company that provides services to the site owner. On this site we use only cookies supplied by Google Analytics, to gather customer journey information across our sites.

You have the right to disable or delete cookies. As the means by which you can do this varies from browser to browser, please follow the instructions provided by the specific browser you use (usually located under the 'Help', 'Tools' or 'Edit' menu). Alternatively, an external resource is available at www.allaboutcookies.org/manage-cookies providing specific information about cookies and how to manage them to suit your preferences.

Applicable law and jurisdiction

Use of this website and these terms and conditions are subject to the laws of England and Wales and the jurisdiction of the English Courts. By using this website you irrevocably submit to the jurisdiction of the English Courts.

About us

Kent Reliance Provident Society Limited is a registered society under the Co-operative and Community Benefity Societys Act 2014, registered number 31056R, whose principal office is at Reliance House, Sun Pier, Chatham, Kent, ME4 4ET. Telephone: 0345 122 1177*

*For customer and member service and training purposes, calls with KRPS may be monitored and/or recorded.