We may change the Terms from time to time, without prior notice. The amended Terms are automatically effective as soon as we post them.
On this page, "you" or "your" mean the person using the site. "We", "us" or "our" mean The Independent Order of Foresters ("Foresters") and its subsidiaries including Forester Life Limited. Together, we are the "Foresters family of companies".
Reliance on Information in this Website
We have taken all reasonable care to ensure that the information contained in this website is accurate, complete and up-to-date and that it complies with the requirements of UK Legislation, regulations and codes of practice including the British Code of Advertising Practice.
However, please bear in mind that all information on this site has not been tailored for your particular requirements. We therefore cannot give any warranty or representation as to its needs and requirements, accuracy, completeness or reliability and we cannot accept any liability for any loss you may incur as a result of relying on that information.
You must ensure that any software downloaded from the Internet to your computer is suitable for use on your computer and that it is free from viruses. This applies to any software loaded from this website, so please virus check all software loaded from this website and check it is compatible with your computer.
A Special Notice about MyForesters
If you are a Foresters member, you may be eligible to register for MyForesters, an online member information service that allows you to view your member benefits package, to register for member events, and to receive other information or services related to your Foresters membership. You will need to meet the eligibility requirements on that site; for example, you must be at least 18 years of age.
To use the MyForesters site, you will need a username and password, and any additional security measures that Foresters may require. By obtaining a user name and password, you agree that:
- you are responsible for keeping your user name and password safe;
- if someone signs in to the MyForesters site using your username and password, we can treat that person as if they are you;
- we cannot, and are not required, to confirm the identity or authority of anyone who uses our online services, except by ensuring their password matches their user name;
- we can rely on this user name and password as electronic identification, to accept instructions given online as if you had given us written signed instructions.
Once you register for our online services, we may give you the opportunity to choose to receive your yearly Foresters Report to Members electronically rather than by mail. Your consent(s) becomes effective as soon as you click on the button that allows you to make this choice.
By making this choice, you are agreeing that:
- we will place a copy of the Report to Members on the Foresters website, at (http://www.foresters.com/). We will keep each Report on the website for at least one year, until we release the next year’s Report;
- we will send you a notice each year to the email address you have provided with your MyForesters account, to remind you that the Report is ready;
- we will no longer routinely send you Reports by traditional mail;
- however, we will provide you with a paper copy of the Report upon your request, even if you received it electronically;
- You will notify us of any changes in your email address by updating on the MyForesters Profile page the email address you provided with your MyForesters account.
Your Rights of Privacy
The information you provide will be held by Foresters and may be used in the following ways
- To assist us to efficiently provide the service(s) you have requested
- For research and analysis purposes
- To contact you, from time to time, about financial and other products or services offered by Foresters and selected third parties which we feel may be of interest to you.
You have the right to see a copy of the personal data that we hold about you and you can make us change any information that is incorrect. Please address any request to our Data Protection Officer at Foresters, Foresters House, 2 Cromwell Avenue, Bromley, BR2 9BF.
No data transmission over the internet is 100% secure and any information discussed online can be potentially interrupted and used by unauthorised parties.
Cookies are pieces of information that a website transfers to your hard drive following a visit to that website. Most web browsers automatically accept cookies but you can disable this function by changing your browser settings if you so wish. However, you may not be able to take full advantage of a website if you do so.
Important Legal Information
Nothing within the pages of this site shall be deemed to constitute financial, legal, tax or other professional advice in any way. You should consult your financial adviser or other professional adviser if you require any financial or other professional advice. If you would like more information about our products, or how to purchase them, Contact Us. All products and services are subject to the terms and conditions of all applicable agreements.
Status Disclosure and Regulatory Information
This web site only contains information on the products and services of Forester Life Limited which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Forester Life Limited is registered as firm number 177898 in the Financial Services Register.
Forester Life Ltd is registered in England number: 2997655.
Foresters UK Group registered VAT number: 654 0253 58.
Registered Offices for all the above: Foresters, Foresters House, 2 Cromwell Avenue, Bromley BR2 9BF. Tel: 020 8628 3400. Fax: 020 8628 3500.
All information provided by Foresters will be treated with the utmost confidence and respect.
Such information will be recorded on computer and used to assess applications or administer policies. It may also be used for fraud prevention or money laundering prevention. We may share your information with other organisations in the Forester Financial Group who may be based outside of the European Economic Area. We may share your information with our business partners and may contact you by mail, telephone, SMS, fax or email to let you know about any goods, services or promotions which may be of interest to you. If you do not wish to receive such information please write to our Data Protection Officer, Foresters House, Cromwell Avenue, Bromley, Kent BR2 9BF.
We keep records of our business transactions for at least six years. When you give us personal information about another person we will assume that they have appointed you to act for them and have consented to the processing of their personal data, including sensitive personal data.
Links to Other Sites
The links to other sites on the Internet are purely to allow you access to more information on related topics. Foresters does not necessarily own or control such sites and so accepts no responsibility for information contained in any such other sites or for the fact that such sites may not be available at all times. Please note that when accessing another site by way of a hypertext link you may leave the Foresters site.
Not all of the products or services described in the site are available in all geographical areas, and the terms and conditions of some products may vary by jurisdiction. You may not be eligible for all of the products we describe. We do not intend to advertise products or services to residents of jurisdictions in which those products or services are not available.
Ownership and Use of Content:
The content of this site is protected by copyright. You can copy information for your own personal non-commercial use, but may not otherwise republish or reproduce any part without the prior written permission of Foresters.
Copyright and Trademark Notice
Please note that all the contents, the layout and the code of this website are copyright works owned by Foresters.
We are happy for you to download or print off copies of the contents of this site for your personal use and information but any copying or adaptation of the contents, layout or code of this website for any business purpose without our specific consent will constitute copyright infringement.
Please note that we are not the owner of copyright in other websites to which this site is linked and that you should check those websites before copying any materials from them. We acknowledge the copyright and any moral rights to third parties in those other websites.
Foresters and its affiliated companies each own or are licensed to use the trademarks on this site. For example, The Independent Order of Foresters owns Foresters™ and our logo, and its affiliates are licensed to use these. The trademarks are protected by Canadian, U.S and European Union trademark laws. All rights reserved.
Law and language
The applicable law governing the contents and use of this website and any disputes arising from it is English Law and any disputes arising from the use of this website shall be subject to the exclusive jurisdiction of the English courts.
This website is intended for use by citizens of the United Kingdom only. This website is not intended for distribution to, or use by, any person in a country where such distribution would be contrary to local laws or regulations.
As Forester Life is based in the United Kingdom, our Plans are subject to the law of England and Wales, and we will always communicate with you using the English language.
Foresters Financial and Foresters are trade names and trademarks of The Independent Order of Foresters (a fraternal benefit society) and its subsidiaries. Forester Life Limited is registered in England number 2997655. Forester Life Limited is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority.