Terms & Conditions

Please read these terms and conditions carefully. They set out the terms under which Hague Limited trading as www.themutual.net ("Hague") and Freequotes.co.uk Limited ("Freequotes") respectively operate websites under the names "www.themutual.net" and "Freequotes". By accessing the www.themutual.net or Freequotes.co.uk websites (the "Sites") you agree to be bound by these conditions and to follow them at all times. If you have any questions please contact .

  1. Description of the Service

    Hague and/or Freequotes ("we" or "us") will provide you with access to the Sites. Access to the Sites is free although you will be responsible for your own telephone charges. Some other services provided by us may not be free. If this is the case, we will inform you before you subscribe to the other services that they are not free and make sure that the charges are clear.

    In these terms the word Service refers to any of the services provided by us on the Sites.

  2. Registration

    The details provided by you on registration are important and must be complete and correct. You must inform immediately of any changes to your information by .

    You must not apply to register with the Sites more than once. Membership to the Sites is restricted to a maximum of five members per household. Registration with either www.themutual.net or freequotes.co.uk automatically include registration with the other site.

    You will receive a password and a username when you register with the Sites. You must not share your password or username with anyone. As a result you are fully responsible for all actions and activities that take place under your password and username. If you think that someone else may know your username or password or has used them without your permission, you must contact us immediately. If we have reason to think that there is likely to be a breach of security or misuse of the Service, we may change your password and we will tell you as soon as practically possible.

  3. Your Information

    We will respect your personal information and comply with all applicable UK Data Protection legislation and rules currently in force.

    We will use any information provided by you to us to constantly monitor and improve the Services to you. We may also use such information to send you specific e-mails or other related messages which, in our opinion, may be of interest to you in accordance with our Privacy Policy

  4. Information on the Sites

    The Sites contain information from a number of sources. Because of the nature of electronic distribution via the world wide web, we do not promise that the information is accurate, up-to-date or complete.

    The information on the Sites is only for your general information and use and is not intended to address your particular requirements.

    We do not make personal investment recommendations. The information on the Sites is not intended to be relied upon by you in making specific investment or other decisions. Any decision on a service or investment you take is your own responsibility and we will not be liable.

    Please remember that the price and value of any investments and the income from them can go down as well as up. If you make an investment, you may get back less than the amount you originally invested. If you are in doubt about any investment decision you should ask a suitably qualified person for advice.

    If you make any arrangements with another party found on or via the Sites, it is at your sole risk and responsibility.

  5. Links to other websites and services

    The Sites contain links to other websites which are not under our control. The links to other sites are for your convenience and we are not responsible for the content or security of those sites.

  6. Access to our service

    We cannot guarantee that the Services will be uninterrupted and error-free. We are not responsible if we are unable to provide the Service for any reason which we cannot control.

    Your access to the Services may occasionally be restricted to allow for repairs, maintenance or introduction of new facilities or services. If this happens, we will attempt to restore the Services as soon as we reasonably can.

  7. Your use of the Sites

    You must not use the Sites in a way which causes or is likely to cause the Service to be interrupted, damaged or impaired in any way.

    You may retrieve and display pages from the Sites on a computer screen and may print individual pages and store pages in electronic form for your personal, non-commercial use.

    You understand that you are responsible for all messages sent from your computer to the bulletin boards on the Sites and we are not responsible for any messages received by your computer.

    You must not use the bulletin boards or the Services for illegal purposes or to send or use material which is offensive, abusive, indecent, defamatory, obscene, annoying or would cause anxiety or is in breach of copyright, trademark or any other rights and we may, at any time and at our discretion, remove any material from the bulletin boards that we believe is inappropriate or which might be in contravention of the above.

    It is your responsibility to obtain and maintain the equipment necessary to access and use the Sites. It is your responsibility to pay all telephone costs associated with accessing the Service. You are also responsible for making your own back up arrangements.

    You must inform us immediately if anyone makes or threatens to make a legal claim against you relating to your use of the Service. You must stop the act that is the subject of the legal claim. If we ask you to, you must confirm the details of the claim in writing. We reserve the right to forward details to the Police and other regulatory authorities, as well as the courts if we are asked to do so.

  8. Your Liability

    You must compensate us for any damage which we suffer because of something you have done or if you breach these terms.

  9. Our Liability

    The Service is provided by us without any guarantees or warranties. Whilst we try to ensure that the content of the Sites is correct we are not responsible if it is not correct. We do not guarantee or represent that any information, content, advertisements or any other site which you may access through our Sites are accurate or reliable.

    Except as required by law, we are not liable for any loss which is not due our actions or those of our subcontractors and agents.

    As you are not allowed to use the Service for commercial purposes, we shall not be liable (even if we have been negligent) for loss of business, loss of revenue, loss of profits, loss of anticipated savings or wasted expenditure.

    We do not accept any responsibility or liability for enabling you to link to any other website, or for the contents of any other website, whether one from which you may have been linked or to which you may link from either of the Sites, or for any consequence of your acting upon the contents of such website.

    We do not accept any liability for your dealings or contracts via www.themutual.net Service with suppliers of goods or services, or your customers, or any other third party.

    We do not accept any liability for any acts or omissions resulting from your decision or opinion formed on the basis of your use of the Service.

  10. Events beyond your or our control

    Neither of us shall be liable to the other for any delay or failure to comply with our obligations under these terms and conditions if the delay or failure arises from any course which is beyond our reasonable control, including (without limitation) any act of God, or of Government or Regulatory Authority or other Internet service providers, war, terrorism or non-availability or mail functioning of a telecommunications or broadcast or other network system or service.

    We are not responsible if we breach these terms because of circumstances beyond our control.

  11. Suspension or cancellation of the Service

    We may suspend, restrict, reduce or cancel the Service to you immediately if you breach any of these terms.

    We may cancel the Service at any time by giving you not less than 30 days’ notice by e-mail or by posting the notice on the Sites.

    You may cancel your registration at any time. If you cancel your registration, you may lose the right to convert your units into shares in www.themutual.net which is set out in paragraph 16 of these terms.

    If this agreement is cancelled, both your and our rights and liabilities under these terms shall not change.

  12. Copyright and Trademarks

    All the rights in the designs and information in the Sites or sent by us via email, fax, mobile phone, handheld computer or other device are owned or licensed by us. Except as permitted under paragraph 7 of these terms, you may not copy, reproduce, modify, distribute, republish, display, post or transmit any part of the Sites without our permission

  13. ISP Service

If you use our free ISP Service, you are responsible for the creation, maintenance and design of all content on any website. You must obtain all necessary licenses and consents from owners of copyrighted material you place on your website. You must also make sure that you include your email address on any website you create for receipt of enquiries or complaints regarding the website.

We own or license the rights in the software and documentation supplied by us for your use in connection with the provision of the ISP Service, including any updates or modifications ("Software Materials").

Without our permission you must not and must not allow any one else to:

  1. Email address

    If you request that a particular name or word is included within your email address, you must make sure that you have the right to use it. You must not use an email address which infringes the rights of any other person or business.

    We cannot guarantee that any email address you request will be available or approved for use.

    We may require you to select a different email address and may suspend the Service if, in our opinion, there are reasonable grounds for us to believe that your current choice of email address is, or is likely to be, in breach of these terms.

    We cannot guarantee that the email service will meet your requirements, or that it will be uninterrupted, secure, or error free. You should not send confidential information by email. We are not responsible for unauthorised access to or alteration of your transmissions or data, any material or data sent or received or not sent or received, or any transactions entered into through the Service.

    You must tell us immediately of any unauthorised use of your account or any other breach of security.

  2. Termination of the Service or amendments to these terms

If we give you at least 15 days’ notice by posting notice of the changes on the Sites, we may change the Service or these terms if it is reasonable to make the change:

If you use the Sites after we have notified you of changes to these terms, you will be doing so subject to the new terms. You should therefore ensure that you read the amended terms.

If you do not want to accept any new terms, you may immediately cancel the Service, in which case we may withdraw your allocation of ‘Units’ referred to in paragraph 16 of these terms.

These terms may also be extended to include other conditions applicable to specific products or services offered by www.themutual.net.

  1. Shares in www.themutual.net plc

    If you register with us, when we confirm to you that your registration has been accepted you will qualify for free 'Units' in www.themutual.net and you may become eligible to win further ‘Units’ pursuant to ‘Unit’ prize draws operated by us from time to time. These ‘Units’ are not transferable and have no economic value or voting rights attaching to them.

    The ‘Units’ will be converted into shares in www.themutual.net plc after the listing of www.themutual.net plc on the Alternative Investment Market. The conversion of the ‘Units’ will take place in the order in which members have registered with the Sites or the order in which prize ‘Units’ are awarded, normally every six months, although the directors of www.themutual.net plc may at their discretion postpone the conversion of ‘Units’ for periods of up to 12 months.

    If you do not wish to receive shares in www.themutual.net plc, then please [click here].

    You will only qualify for shares in www.themutual.net plc if you are over 18 years old and live in the United Kingdom or are a company registered in the UK and are able under UK law, or any other applicable law, to own shares in www.themutual.net plc. Non-UK residents will not qualify for shares.

    If you register more than once with www.themutual.net plc or give false information about your details on the registration form we may cancel your membership and we may not convert your ‘Units’ into shares in www.themutual.net plc or allot you such shares. Membership of the Sites is restricted to a maximum of five members per household.

    Our decision on the allocation, apportionment and distribution of the shares is final.

    We may change the terms upon which we offer ‘Units’ or shares in www.themutual.net plc and we reserve the right to discontinue the offer of ‘Units’ or shares in www.themutual.net plc at any time without prior written notice.

    The Service is owned and operated with regard to www.themutual.net website by Hague and with regard to the Freequotes.co.uk website by Freequotes. Hague Limited, Freequotes.co.uk Limited and www.themutual.net plc are companies registered in England and Wales (under company numbers 3777109, 3758137 and 3925319 respectively) each having its registered office at 2 DUKE STREET ST JAMES'S, LONDON SW1Y 6BJ. If you have any queries, please contact [email link].

  2. Communications

    Any communication from us to you may be sent electronically to the email address provided by you to us and shall be deemed to be received by you on transmission by us, unless we receive notice by return email within one hour of transmission to the effect that such email address no longer exists, in which case we may withdraw your allocation of ‘Units’ and cancel your membership.

  3. Laws

These terms are governed by English law. Any disputes will decided only by the English courts.


14th April 2000

www.themutual.net Privacy Policy

At www.themutual.net, we want to be very clear about the information we collect and what we do with it.

What information does www.themutual.net collect?

Registration: When you register with www.themutual.net, we collect your name, e mail address, mailing address, phone numbers, age, gender, marital status, domicile details, employment details, details of how many years you have used the Internet and details of your interests.

Your use of www.themutual.net: We will keep a record of which products and services you are interested in. We also monitor user traffic patterns and Site use.

Competitions and special offers: We may ask you specific questions when you take part in www.themutual.net competitions and special offers or other activities or promotions. If we do, we will keep a record of your answers.

What does www.themutual.net do with the information?

We will use the information we collect about you to make sure that the information which we send you is relevant to you - we don’t want to waste your time by sending information which you don’t find interesting.

If you have not checked the opt out box on the registration form, we may use the information to tell you about our services and products and may pass the information we collect about you to other members of our group. If you have not checked the box, but decide later that you don't want to receive any more information, just let us know by emailing us at [ ].

What about "cookies"?

"Cookies" are small pieces of information that are stored on your computer’s hard drive by your browser. These allow www.themutual.net to store your personal information and provide features to make your use of www.themutual.net easier. Most browsers allow the cookie function to be turned off. If you want to know how to do this, look at the help menu on your browser