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Terms of use


This website is owned and operated by The NFRN Mutual Limited trading as The Retail Mutual, whose registered office is at Barrington House, Heyes Lane, Alderley Edge, Cheshire, SK9 7LA.
In these terms of use “We”, “Our” and “Us” means NFRN Mutual Limited trading as The Retail Mutual and “You” and “Your” means anyone accessing this website (including anyone who accesses this site on behalf of someone else).

Please read all these terms of use and Our Privacy Notice before You start using this site.
By using Our site, You agree to be bound by these terms of use. If You do not agree to any of the terms, please do not use Our site. If You breach any of the terms, Your right to access and use this site will end immediately.


We own all the copyright and intellectual property rights in the contents of this site.  You may use the information and make a hard copy of it only for Your own personal, non-commercial use and to apply for Our products. You are not allowed to access or use this site for any other purposes or to reproduce, exploit, distribute or transmit any information in this site or any part of this site for any other purpose, unless We first give You permission in writing. You may not alter, adapt or delete any part of this site or any information contained in it.
You acknowledge that the publications, products or content are Our trade marks and that You must not use them without Our written permission. Other product and company names mentioned in the site may be the trademarks of their respective owners.


You must not use this site for any unlawful purposes or in an unlawful way. If You do, You may be committing a criminal offence and We may report the matter to the relevant law enforcement authorities.
You are responsible for maintaining the confidentiality of Your website access information (such as usernames and passwords).  If You have any reason to believe that Your access to the website is no longer secure (e.g. loss, theft or unauthorised disclosure or use of usernames or passwords), You must promptly change the affected access information.
Your access to this website is on a temporary basis, and We reserve the right to withdraw, restrict or amend the services accessible to You on the website without notice at Our absolute discretion.


The products and services shown in this site are only available to individuals and businesses in the United Kingdom.  It is up to You to decide if a particular product is suitable for Your needs.


We have taken all reasonable steps to make sure the information in this site is accurate and complete but We do not accept any liability for any mistakes or omissions and We do not give any representation or warranty about the accuracy or reliability of the information.


We will not be liable for any loss or damages arising in contract, tort or otherwise resulting from the use of or inability to use Our website or any information contained in it or from any decision or action taken as a result of using this site, but nothing in these terms shall exclude or limit Our liability for death or personal injury caused by Our negligence or for Our fraud.


Our use of personal information is set out in Our Privacy Notice which forms part of these terms.  Please read Our Privacy Notice carefully.


This site may contain links to sites operated by other organisations. The links are there for Your convenience.  We are not responsible for any content in a linked site or any link in a linked site or any transmission from such sites. Use of those sites will be governed by separate terms. The inclusion of any links does not imply that We endorse or have approved those sites or any information in them and We do not guarantee that those websites are free from viruses or anything else which could be destructive or infectious.  You access other websites entirely at Your own risk.


You agree that You will indemnify Us for any loss, liability or expense (including legal expenses) relating to Your breach of these terms of use.


Unless You and We agree otherwise in writing, these terms of use and any dispute or claim arising out of or in connection with them shall be governed by English law and any dispute or claim will be referred to the English Courts but, if You live outside the jurisdiction of the Courts of England and Wales, We reserve the right to bring proceedings in Your country of residence or in the place where the access or breach took place.


We may amend these terms of use at any time. The amended terms will apply as soon as they are posted on this site.  You should check this page from time to time to make sure You have seen the latest terms; Your continued use of this site will mean that You are deemed to have accepted the amended terms.


If any provision of these terms is found to be invalid or unenforceable, then the invalid or unenforceable provision will be removed from these terms without affecting the validity or enforceability of any other provision.

Opening times

Customer Service and General Enquiries

Customer Service - 0333 2121 006
9:00am to 5:00pm, Monday - Friday
Closed Weekends and Bank Holidays

Claims Team

Claims - 0333 2121 008
9.00am to 5.30pm, Monday - Thursday
9.00am to 5.00pm, Friday
Out of hours - 01424 850 333

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