Skip to main content

Terms and conditions

Please read the terms and conditions relating to your Possibilities membership carefully. If you continue to access the website, we take this as acceptance of these terms. The information on this website should not be copied by, or distributed to anyone without written permission from Saga Membership Limited to do so.

Possibilities' terms and conditions of Membership

Possibilities is a membership scheme that provides its members with information and access to exclusive goods, services and offers made available by selected third parties.

Who we are and how to contact us

We are Possibilities, a trading name of Saga Membership Limited, a company registered in England and Wales under company number 00773343 with a registered office at Enbrook Park, Sandgate, Folkestone, Kent, CT20 3SE. Our VAT number is 22400/08956.

To contact us, please email possibilities.helpdesk@saga.co.uk or telephone 0800 092 3903.

Your acceptance of these terms

By registering and becoming a member of Possibilities (“Member”) and / or by using the Possibilities’ website (“our site”) or your Possibilities’ membership (“Membership”), you are deemed to accept these terms and conditions.

Eligibility criteria

To be eligible to become a Member you must be:

  • An eligible Saga Customer. This means you must have:
    • Taken out a one-off policy with us in the last year, such as single trip travel insurance
    • A current, ongoing annual insurance policy with us, such as car, home, annual travel or health
    • Taken out a personal finance product with us in the last 12 months, such as an ISA, credit card or savings account, or have an active financial product with us
    • Booked a Saga holiday or cruise directly with us in the past three years
    • An active subscription to Saga Magazine
  • Aged 50 years or over.

Your membership and our site

Your Membership and our site is made available free of charge.

We do not guarantee that our site, or any content on it, will always be available or uninterrupted and exclude any warranties that it will be.

We may update and change your Membership, these terms and conditions and our site from time to time to reflect changes of our users' needs and our business priorities. However, we will notify you by email of any significant changes. Your continued use of your Membership or our site will be deemed as your acceptance to the varied terms.

You must keep your membership account details safe

If you choose, or you are provided with, a user identification code, password or any other piece of information as part of our security procedures when registering your Membership, you must treat such information as confidential. You must not disclose it to any third party.

We have the right to disable any user identification code or password, whether chosen by you or allocated by us, at any time, if in our reasonable opinion you have failed to comply with any of the provisions of these terms and conditions.

If you know or suspect that anyone other than you knows your user identification code or password, you must promptly notify us at data.protection@saga.co.uk.

Our intellectual property rights

We are the owner or the licensee of all intellectual property rights on our site, and the material published on it. Those works are protected by copyright laws and treaties around the world. All such rights are reserved.

Goods and services provided by third parties

We act as an introducer between our Members and third parties who provide goods and services. You agree that we are not responsible for any goods, services and offers made available to you by any third party as part of your Membership.

Any dealings between you and a third party in respect of any goods, services and offers shall be subject to the terms and conditions that you agree with that third party. We are not party to the contractual relationship between you and the third party and we are not responsible for any loss or damage incurred in respect of these dealings.

Links to the websites of third parties may appear on our site. Such third party websites are not our responsibility and we accept no responsibility for the availability, suitability, reliability or content of such third party websites.

Our use of your personal data

  • Our Privacy Policy sets out the terms on which we will process any personal data we collect from you or that you provide to us.
  • By becoming a Member and using our site, you warrant that all data provided by you is accurate.

Cancellation of your membership

You may cancel your Membership at any time by emailing us at possibilities.helpdesk@saga.co.uk or telephoning us on 0800 092 3903.

We may cancel your Membership at any time, including for (but not limited to) the following reasons:

  • you no longer meet the eligibility criteria for Membership set out above; or
  • you are in breach of these terms and conditions.

If your Membership is cancelled for any reason you will no longer have access to our site or the exclusive goods, services and offers made available by third parties as part of the Membership.

Cancellation of your Membership shall not affect the delivery of any goods and services already ordered. However, some offers may only be available to you with an active Membership and therefore please check the relevant terms and conditions of such offers to prevent disappointment.

Interactive services

From time to time, we will provide interactive services on our site such as online blogs and forums (“interactive services”).

Accordingly, our site may include information and materials uploaded by other users of the site. This information and these materials have not been verified or approved by us. The views expressed by other users on our site do not represent our views or values.

We will do our best to assess any possible risks for users from third parties when they use any interactive service provided on our site, and we will decide in each case whether it is appropriate to use moderation of the relevant service (including what kind of moderation to use) in the light of those risks. However, we are under no obligation to oversee, monitor or moderate any interactive service we provide on our site, and we expressly exclude our liability for any loss or damage arising from the use of any interactive service by a user in contravention of our content standards, whether the service is moderated or not.

Any content you upload to our site will be considered non-confidential and non-proprietary. You retain all of your ownership rights in your content, but you are required to grant us a limited licence to use, store and copy that content and to distribute and make it available to third parties.

We also have the right to disclose your identity to any third party who is claiming that any content posted or uploaded by you to our site constitutes a violation of their intellectual property rights, or of their right to privacy.

We have the right to remove any posting you make on our site if, in our opinion, your post does not comply with our content standards below.

Content standards

These content standards apply to any and all material which you contribute to our site (“Contribution”), and to any interactive services associated with it.

A Contribution must:

  • be accurate (where it states facts);
  • be genuinely held (where it states opinions); and
  • comply with the law applicable in England and Wales and in any country from which it is posted.

A Contribution must not:

  • be defamatory of any person;
  • be obscene, offensive, hateful or inflammatory;
  • promote sexually explicit material or violence;
  • infringe any copyright, database right or trade mark of any other person;
  • be likely to deceive any person;
  • promote any illegal activity;
  • be threatening, abuse or invade another's privacy, or cause annoyance, inconvenience or needless anxiety;
  • impersonate any person, or misrepresent your identity or affiliation with any person; or
  • contain any advertising or promote any services or web links to other sites.

Breach of our content standards

Failure to comply with our content standards will constitute a material breach of these terms and conditions and may result in us taking all or any of the following actions:

  • immediate, temporary or permanent withdrawal of your Membership;
  • immediate, temporary or permanent removal of any Contribution uploaded by you to on our site; and
  • legal action against you.

Our responsibility for loss or damage suffered by you

We are responsible to you for foreseeable loss and damage caused by us. If we fail to comply with these terms, we are responsible for loss or damage you suffer that is a foreseeable result of our breaking this contract or our failing to use reasonable care and skill, but we are not responsible for any loss or damage that is not foreseeable. Loss or damage is foreseeable if either it is obvious that it will happen or if, at the time the contract was made, both we and you knew it might happen.

We do not exclude or limit in any way our liability to you where it would be unlawful to do so. This includes liability for death or personal injury caused by our negligence or the negligence of our employees, agents or subcontractors; for fraud or fraudulent misrepresentation.

We are not liable for business losses. We only supply the Membership and our site for domestic and private use. If you use them for any commercial or business we will have no liability to you for any loss of profit, loss of business, business interruption, or loss of business opportunity.

Which country's laws apply to any disputes?

These terms and conditions, their subject matter and their formation, are governed by English law. You and we both agree that the courts of England will have exclusive jurisdiction.