Terms & Conditions


Offer Terms and Conditions: Applies only to referrals received by Tees Mutual before 31 December 2018. To be eligible for Love2Shop shopping vouchers: (1) the applicant must not have applied to Tees Mutual previously; (2) the person you introduce must be admitted as a member of Tees Mutual; and (3) they must have paid at least three monthly premiums.

†Please ensure you have permission from the person you are referring before passing their details on to us.


Applies to new Tees Mutual members only and will be paid after three months’ premiums received. Offer expires as quoted on the promotion.


Closing dates for entries are always as stated as specified in each competition. No late entries will be considered. Tees Mutual reserve the right to amend the competition end date at any time.

Route to entry for the competition and details of how to enter are via Facebook.

To enter a competition, you must be:

A UK resident; and

18 years old or over at the time of entry

Please ensure you follow competition entry requirements in order to be considered.

There is no entry fee and no purchase necessary to enter our competitions.

No responsibility can be accepted for entries not received for whatever reason. Please note that we will not be confirming receipt of entries.

Tees Mutual is not liable for any expenses occurred when redeeming your prize.

The winner will be selected in a random draw from all valid entries received during the promotional period. The draw will take place no later than seven days following the end of the promotional period.

The winner will be notified by commenting on their entry and private messaging them on Facebook within five days of the draw. They will be asked to provide their UK postal address in reply via email. If the winner cannot be contacted, if they do not claim the prize within seven days of our notification, or if they decline their prize, we reserve the right to withdraw the prize from the winner and pick a replacement winner via a redraw from the remaining valid entries to select a new winner. If any winner declines their prize, or fails to respond within the required period, they forfeit any right to the prize.

In the event of unforeseen circumstances or circumstances outside our reasonable control, we reserve the right to modify or discontinue, temporarily or permanently, this promotion without prior notice.

The prize will be sent via post to the address supplied within one week following provision of the winner’s address provided.

No cash alternative to the prizes will be offered. Prizes are subject to availability and we reserve the right to substitute any prize with another of equivalent value without giving notice. Please note that prizes may be bequeathed by the winner to somebody else of their choosing but we will only correspond with the official named winner.

All entrants must be living in the UK and have a UK registered address that we can send the prize to.

The winner agrees to the use of his/her name and image in any publicity material, as well as their entry. Any personal data relating to the winner or any other entrants will be used solely in accordance with current UK data protection legislation and will not be disclosed to a third party without the entrant’s prior consent.

Entry into the competition will be deemed as acceptance of these terms and conditions.

The competition and these terms and conditions will be governed by English law and any disputes will be subject to the exclusive jurisdiction of the courts of England.

For any enquiries regarding the competition outcome, please contact

The promoter is: Tees Mutual is a trading name of The Kensington Friendly Collecting Society Limited (KFSCL). KFCSL is Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. KFCSL’s Financial Services Register number is 110058. KFCSL is a member of the Association of Financial Mutuals. The head office of KFCSL is 1-3 Kensington Road, Linthorpe, Middlesbrough, North Yorkshire TS5 6AL.

This promotion is in no way sponsored, endorsed or administered by, or associated with, Facebook, Twitter or any other social network. You are providing your information to Tees Mutual and not to any other party. The information provided will be used in conjunction with the following Privacy Policy.



Tees Mutual, 1-3 Kensington Road, Middlesbrough SE16 3QT +441642850022