Website Terms & Conditions

These terms and conditions govern your use of this website and your relationship with us (Unity Mutual). Please read them carefully before using the website.

Continued use of the website indicates that you accept these terms and conditions regardless of whether or not you choose to register with us. If you do not accept these terms and conditions, please do not use the website.


This website is provided for your personal use subject to these terms and conditions. By using the website you agree to be bound by these terms and conditions.

We may update these terms and conditions from time to time and will notify these changes to you by posting the amended terms and conditions on the website. The changes will apply to all use of the website after we have posted the new terms and conditions. If you continue to use the website after the date on which the change comes into effect, your use of the website will indicate your agreement to be bound by the new terms and conditions.

Limitations on use of website

1.1. You are prohibited from posting to or transmitting from the website any material:

1.1.1. that is threatening, defamatory, obscene, indecent, seditious, offensive, pornographic, abusive, liable to incite racial hatred, discriminatory, menacing, scandalous, inflammatory, blasphemous, in breach of confidence, in breach of privacy or which may cause annoyance or inconvenience; or

1.1.2. for which you have not obtained all necessary licences and/or approval; or

1.1.3. which constitutes or encourages conduct that would be considered a criminal offence, give rise to civil liability, or otherwise be contrary to the law of or infringe the rights of any third party, in any country in the world; or

1.1.4. which is technologically harmful (including, without limitation, computer viruses Trojans, worms, logic bombs, or other harmful material).

1.2. You may not misuse the website (including, without limitation, by hacking causing denial of service attacks or distributed denial of service attacks).

Links to and from the website and advertising

2.1. Links to third-party websites are provided solely for your convenience. If you use these links, you leave our website. We have not reviewed these third-party websites and do not control and are not responsible for these websites or their content or availability. We therefore do not endorse or make any representations about them, or any material found there, or any results that may be obtained from using them. If you decide to access any of the third-party websites linked to this website, you do so entirely at your own risk.

2.2. The website may contain third-party advertising and sponsorship. We are not responsible for the content of such material.

2.3. You may not link to any page of the site without our prior written consent.

Service access and limitations on use of website

3.1. While we endeavour to ensure that the website is normally available 24 hours a day, we will not be liable if for any reason the website is unavailable at any time or for any period.

3.2. Access to the website may be suspended temporarily and without notice for any reason, including in the case of system failure, maintenance or repair or for reasons beyond our control.

3.3. We will not be liable for any incompatibility of the website with any of your equipment, software or telecommunications or the failure of the website to meet your requirements.

Intellectual property

4.1. The copyright, trade marks, database rights and other intellectual property rights in all material on the website are owned by us or our licensors.

4.2. You may retrieve and display the content of the website on a computer screen, and print one copy of such content for your own personal, non-commercial use, provided you keep intact all and any copyright and proprietary notices. You must not otherwise reproduce, modify, copy or distribute or use for commercial purposes any of the materials or content on the website without our prior written permission.

Privacy policy

5. By registering with us, you agree to us using your personal details in accordance with our privacy policy.

International use

6. We make no promise that material on the website is appropriate or available for use in locations outside the United Kingdom, and accessing the website from territories where its contents are illegal or unlawful is prohibited. We accept no liability to you if you access the site from such territories.


7.1. If any provision of these terms and conditions is found to be invalid by any court having competent jurisdiction, the invalidity of that provision will not affect the validity of the remaining provisions of these terms and conditions, which shall remain in full force and effect.

7.2. If you breach these terms and conditions and we ignore this, we will still be entitled to use our rights and remedies at a later date or in any other situation where you breach the terms and conditions.

7.3. A person who is not party to these terms and conditions shall have no right under the Contract (Rights of Third Parties) Act 1999 to enforce any term of these terms and conditions but this shall not affect any right or remedy of a third party which exists or is available apart from that Act.

7.4. These terms and conditions do not affect your statutory rights.

7.5. These terms and conditions shall be governed by and construed in accordance with the laws of England and Wales and any disputes will be decided only by the English courts.