Privacy & Security Policy

Please read our website's Privacy & Security policy which is incorporated within the Terms of Use by reference.

VM Group* will seek to ensure the highest level of security and privacy regarding the collection and use of customers' personal information as well as that of visitors to its website(s). VM Group takes your right to privacy very seriously. We will not disclose information about you to anyone, except in instances where we have your written consent, or where we are compelled or allowed by law or policy to do so. If you decide to use our website(s) and/or our online services, you expressly authorise us to use that information in accordance with that policy.

How information is collected

VM Group uses a standard web tracking software to collect non-identifying information about our users including:

VMBS uses a standard web tracking software to collect non-identifying information about our users including:

For the purposes of our online financial services we collect details such as the name, address, account information and e-mail address of our users.

How we use Browser Cookies

The collection of non-identifying information assists VM Group in compiling statistics and determining the level of interest in our Website(s). Your visits to the website(s) may therefore be recorded for analysis of the number of visitors to the site and general usage patterns. Some areas of the website(s) may use a "Cookie", temporarily stored in the visitor's computer or other device memory (RAM) to allow the web server to log the pages used within the site and to know if a visitor has previously visited the site.

This technology is only used to identify you as a legitimate user and to collect information about your computer or other access device to mitigate risk and prevent fraud.

We use a “Secure Cookie” which is only used via HTTPS, ensuring that the Cookie is always encrypted when transmitting from client to server.

We also use “Flash Cookies” (Local Shared Objects), to help ensure that your account security is not compromised, to detect suspicious behaviour and to help prevent fraud.

We encode our Cookies so that only VM Group can interpret the information which has been stored.

You are free to decline our Cookies if your browser or browser add-on permits same, however, it must be noted that doing so will interfere with the functions of the application or your ability to fully access certain web pages.

The ‘Help’ section of most browsers or browser add-ons usually provides instructions on blocking, deleting or disabling Cookies.

How information is used

  1. We only collect personal information which is required to understand the financial needs of our customers and is relevant to the services we provide.
  2. We utilize our customers’ personal information to provide better services and products.
  3. We may disclose your personal information within VM Group and/or its agents.
  4. We will not disclose your personal information to any external organisation unless we have your written consent or are required by law.
  5. From time to time we may be required to disclose your personal information to Governmental or judicial bodies or agencies or our regulators, but we will only do so under proper authority.
  6. VM Group endeavours to keep personal information on our records accurate and up-to-date.
  7. VM Group maintains strict security systems designed to prevent unauthorised access to your personal information by anyone, including our staff.
  8. VM Group and all third parties with permitted access to your information are specifically required to observe our confidentiality obligations.

Data Security

Security Assurance

The User and VM Group each play a vital role in protecting against online fraud. The User should exercise care with his/her account details including User ID and/or Password to ensure that the account details and security codes are not knowingly or accidentally shared or compromised and to ensure that that the User does not provide or facilitate unauthorised use of that information. You must never share your User ID and/or password or allow access or use of it by others. VM Group endeavours to do its part in implementing high standards of security to protect your interests.

You should safeguard your unique User ID and Password by keeping it secret and confidential. Never write them down or share these details with anyone. VM Group employees will never ask you for your Password as we wish to ensure that you are the only person who knows that information. When choosing your unique User ID and Password, never create it using easily identifiable information such as your birthday, telephone number or a recognisable part of your name. If you think your User ID and/or password has been disclosed to a third party, is lost or stolen and unauthorised transactions may have been conducted, you are responsible to inform us immediately and have the security codes reset.

It is the User’s responsibility to ensure that VM Group is given accurate and up-to-date personal information. The user must practise safe computing and periodically update software and operating systems, including security patches. The user is also responsible for conducting preventative maintenance using updated anti-virus software with the latest virus, Trojan and spyware signatures.

Use of Information and Materials on Our Website(s)

Copyright, Trade Marks

No Warranties

While VM Group has exercised due care in its preparation of the information and materials contained on its website(s), such information and materials are provided to you "as is" without any warranty of any kind whether express or implied. In particular, no warranty regarding non-infringement, security, accuracy, fitness for a particular purpose or freedom from computer virus is given in conjunction with such information and materials.

Linked Websites

VM Group is not responsible for the contents available on or the set-up of any other websites linked to this site. Access to and use of such other web sites is at the User's own risk and subject to any terms and conditions and privacy policies applicable to such access/use.

VM Group is not responsible or liable for activities on these other sites. However to protect the integrity of our website(s) please advise us of any concerns about these other sites.


E-mail messages sent to VM Group over the Internet cannot be guaranteed to be completely secure. VM Group will not be responsible for any damages incurred by Users if they send a message to us, or if VM Group sends a message to them at their request, over the Internet. VM Group is not responsible in any manner for direct, indirect, special or consequential damages arising out of the use of any of its websites.


Please note that any software downloaded from any of VM Group’s website(s) is at your own risk and VM Group neither assumes nor accepts liability for any loss, damage (whether direct or indirect) howsoever caused, as a result of any computer viruses, Trojan Horses, Worms, software bombs or similar items or processes arising from your use of any of our websites.

Use of Contents of Website

All information, documents, and materials, posted on our website(s) are the sole intellectual property of VM Group and may not be resold, republished, or copied, without the prior written consent of VM Group. In addition, all information, documents, and materials posted to this Website are subject to change without prior notification.

All products and services described in our website(s) are subject to the terms of the applicable account agreement which may be revised from time to time at the discretion of VM Group. Not all of the products and services described in our website(s) are available in all geographic areas and you may not be eligible for all the products and services offered or displayed. A website user's eligibility for particular service and products are subject to VM Group’s approval which shall be final.

Terms and Conditions

Please read our Terms and Conditions outlining the use, limitations of liability and disclaimers in using our website(s).

Your Consent

By using any of VM Group’s website(s) and VM Express Online Services you consent to the Privacy & Security Policy.

Review of Privacy & Security Policy

We may change this Privacy & Security Policy from time to time. Any changes will take effect once the revised Policy is available on our site and posted on the website(s). It is the user’s responsibility to read and become acquainted with any modifications or additions to this Policy.

Contacting us/Accessing or Changing Personal Information

If there are any questions regarding this Privacy & Security Policy or you wish to update or change your personal information please contact us at:

Victoria Mutual Building Society
8 – 10 Duke Street
P.O. Box 90

Telecare Centre: