Terms & Conditions

Effective Date: 01/10/2025

This document sets out the terms that apply to:

  • (A) Use of the Expat Trust website, and

  • (B) Participation in the Expat Trust membership program.

Part A – Website Terms of Use

1. Use of Website

1.1 You may access this website for lawful, personal use in connection with Expat Trust services.
1.2 Unauthorised access, scraping, data mining, or uploading malicious content is strictly prohibited. Any attempt to interfere with the website’s normal operation is a breach of these terms.

2. Intellectual Property

All content on this website — including text, design, branding, and media — is the property of Expat Trust or its licensors. Reproduction or redistribution is not permitted without prior written consent.

3. Third-Party Links

Links to external websites may be included for your convenience. Expat Trust is not responsible for the content, performance, or privacy practices of any third-party sites.

4. Website Availability

We aim to provide uninterrupted access, but uptime is not guaranteed. We reserve the right to suspend, restrict, or modify the website without prior notice.

Part B – Membership Terms & Conditions

1. About Expat Trust

Expat Trust provides a digital, trust-based membership program exclusively for expatriates. All qualifying members receive free benefits, including worldwide medical cover and additional digital rewards.

2. Membership Eligibility

Membership is open to individuals aged 18 or over who meet expatriate status criteria. All applications are subject to verification.

3. Membership Benefits

  • Worldwide Medical Cover: Automatically provided to all members under the trust model.

  • Additional Free Benefits: Digital vouchers or services (e.g. from Amazon or Apple) issued after the 14-day cancellation period unless the member waives that right.
    Benefit offerings may be updated or changed as needed.

4. Member Conduct

Members agree to:

  • Provide accurate information during registration.

  • Use the services in good faith.

  • Comply with all applicable laws and Expat Trust policies.

5. Liability

Expat Trust is not liable for any indirect, incidental, or consequential damages arising from the use of its website or membership services.

6. Amendments

These Terms may be updated at any time. Changes take effect upon publication. Continued use of the website or membership confirms your acceptance of the updated terms.

Governing Law

These Terms are governed by the laws of England and Wales. All disputes will be subject to the exclusive jurisdiction of the courts of England and Wales.

Contact

Email: info@expatrust.com
Phone: +44 (0)20 3633 1539
Address: Expat Trust is a subsidiary of The Medical Membership Program Ltd.
Registered Address:
20-22 Wenlock Road
London
N1 7GU
England.

Medical Disclaimer


Clarifies that Expat Trust is not an insurer or healthcare provider; WWMC is a trust-funded benefit. Claims are processed via Expatriate Group.

Effective Date: 22/06/2023

The information, materials, and services provided by Expat Trust — including any digital documentation, membership benefits, or website content — are not intended to constitute or substitute for medical advice, diagnosis, or treatment.

1. Nature of Benefits

Expat Trust operates a trust-based membership program. Members receive access to free benefits, including worldwide medical cover, as part of their membership.

These benefits are provided through the Expat Trust structure and facilitated by trusted third-party partners.

2. Not a Healthcare Provider

Expat Trust does not operate as a healthcare provider, medical authority, or emergency service. We do not provide personalised medical advice or make clinical decisions of any kind.

For any health-related concerns, members are strongly advised to seek guidance directly from licensed medical professionals or emergency services in their location.

3. Emergency Situations

In an emergency or critical health situation, you should always contact local emergency services or attend the nearest medical facility. Expat Trust is not a crisis response provider.

4. Third-Party Support

Certain benefits, such as worldwide medical support, are accessed through third-party partners. These partners have their own terms of service, and members should refer to those documents when making use of such services.

Expat Trust does not control medical decisions, claims processes, or outcomes provided by partner organisations.

5. Information Accuracy

While we aim to ensure all information shared through our platform is accurate and helpful, no information on our website, in our communications, or in membership materials should be considered medical advice or relied upon as such.

Complaints Policy


Clear user-facing process for raising, reviewing, and resolving service-related complaints.

Effective Date: 01/10/2025

At Expat Trust, we are committed to providing a high standard of service. If you are dissatisfied with any part of your experience, we welcome the opportunity to resolve the issue quickly, fairly, and transparently.

1. What This Policy Covers

This policy applies to complaints related to:

  • Membership registration or service experience

  • Delivery or access to benefits

  • Communications with Expat Trust support staff

  • General dissatisfaction with our processes or platform

For complaints related to external benefit partners (e.g. Amazon, Apple), we may assist in directing your concern but cannot guarantee resolution on their behalf.

2. How to Submit a Complaint

To file a complaint, please email us at complaints@expatrust.com. Include:

  • Your full name

  • Membership ID (if applicable)

  • A clear description of your complaint

  • Any relevant supporting information

We will acknowledge receipt within 2 business days.

3. How We Handle Complaints

Once your complaint is received:

  • A team member will review your concern fairly and objectively.

  • You may be contacted for clarification or additional information.

  • A written response will be issued within 10 business days. If more time is needed, we will notify you.

We aim to resolve all complaints promptly and professionally. If your issue cannot be resolved immediately, we will keep you informed throughout the process.

4. Escalation

If you are not satisfied with the outcome, you may request that the matter be escalated to a senior manager for final review.

5. Contact

  • Complaints Email: complaints@expatrust.com

  • General Support: support@expatrust.com

  • Phone: +44 (0)20 3633 1539

  • Address: Expat Trust is a subsidiary of The Medical Membership Program Ltd.
    Registered Address:
    20-22 Wenlock Road
    London
    N1 7GU
    England.

Refund & Cancellation Policy

Effective Date: 01/10/2025

This policy explains your rights to cancel your Expat Trust membership and the conditions under which refunds may or may not be granted.

1. Cooling-Off Period

1.1 You have the right to cancel your membership within 14 calendar days of activation and receive a full refund, provided no benefits have been accessed.

1.2 Activation begins upon confirmation of payment.

1.3 To cancel your membership, contact us by email at support@expatrust.com within 14 days of activation.
Please include:

  • Your full name

  • Membership ID

  • The email address used at sign-up

You will receive confirmation once your request is processed.

2. Digital Benefits and Refund Conditions

To protect your right to a full membership refund, free digital benefits — such as gift vouchers from Amazon, Apple, or Uber Eats — are not issued during the 14-day cancellation period.

These digital benefits are non-refundable once issued.

If you wish to receive your digital benefits before the end of the 14-day period, you must submit a written request confirming that:

  • You request early release of your digital benefits.

  • You understand and accept that once issued, these items cannot be refunded under any circumstances.

This ensures your membership remains eligible for a full refund, while making clear that digital rewards are separate and non-refundable.

3. Refund Processing

Eligible refunds are returned to your original payment method within 10 business days of confirmation.

4. After 14 Days

After 14 days:

  • Your membership becomes non-refundable.

  • You may still request cancellation, but no refund will be issued.

5. Contact

For cancellation, refund, or membership queries:

  • Email: support@expatrust.com

  • Phone: +44 (0)20 3633 1539

  • Address: Expat Trust is a subsidiary of The Medical Membership Program Ltd.
    Registered Address:
    20-22 Wenlock Road
    London
    N1 7GU
    England.

Cookie Policy

Effective Date: 01/10/2025

This Cookie Policy explains how Expat Trust uses cookies and similar technologies when you visit our website. It also outlines how you can control their use.

1. What Are Cookies?

Cookies are small text files stored on your device when you access a website. They help enhance your experience by remembering preferences, supporting website functionality, and enabling analytics and security features.

2. Types of Cookies We Use

We use the following types of cookies on the Expat Trust website:

  • Strictly Necessary Cookies
    Required for core site functions (e.g. login, navigation). These cannot be disabled via our cookie settings.

  • Performance & Analytics Cookies
    Used to collect anonymous data about how visitors interact with our website (e.g. Google Analytics). Helps us understand usage patterns and improve the user experience.

  • Functionality Cookies
    Enable personalised features like language preferences and user-specific settings.

  • Marketing Cookies
    May be used to deliver relevant ads or track ad performance. We do not allow third-party marketing cookies without your explicit consent.

3. Cookie Consent & Control

When you first visit our website, you are asked to set your cookie preferences via a cookie banner. You can change or withdraw your consent at any time by accessing the cookie settings link in the footer of the site.

You may also control cookies directly through your browser settings. Disabling some cookies may affect site functionality.

For more information, visit:

4. Third-Party Cookies

We may use trusted third-party services that place cookies on our behalf (e.g. Google, Meta). These services have their own privacy and cookie policies, which we recommend reviewing.

5. Data Collected Through Cookies

The data collected via cookies may include:

  • IP address and location

  • Device type and browser

  • Pages visited and time spent on site

  • Click-through behaviour and conversion data

This data is anonymised and used only for service improvement and security purposes.

6. Updates to This Policy

This Cookie Policy may be updated periodically. Any changes will be posted here with a revised effective date. Continued use of the website indicates your acceptance of the updated policy.

7. Contact

For questions about this Cookie Policy or your data:

  • Email: privacy@expatrust.com

  • DPO: dpo@expatrust.com

  • Phone: +44 (0)20 3633 1539

  • Address: Expat Trust is a subsidiary of The Medical Membership Program Ltd.
    Registered Address:
    20-22 Wenlock Road
    London
    N1 7GU
    England.

ICO Registration

Effective Date: 22/06/2023

Expat Trust is committed to complying with data protection regulations, including the UK General Data Protection Regulation (UK GDPR) and the Data Protection Act 2018.

As required under UK law, Expat Trust (via its parent company, Medical Membership Program Ltd) is registered with the Information Commissioner's Office (ICO) as a data controller.

1. ICO Registration Details

  • Data Controller Name: Medical Membership Program Ltd

  • Trading Entity: Expat Trust

  • ICO Registration Number: To be provided

  • Jurisdiction: United Kingdom

This registration confirms our legal responsibility for determining how personal data is collected, stored, and processed in the course of delivering membership services.

2. Your Data Rights

As a data subject, you have the right to:

  • Access the personal data we hold about you

  • Request correction or deletion of your data

  • Withdraw consent where applicable

  • Object to certain types of processing

  • File a complaint with the ICO if you believe your rights have been violated

To exercise any of these rights, please contact our Data Protection Officer at dpo@expatrust.com.

3. Contact the ICO

If you are not satisfied with how your personal data is being handled, you may contact the Information Commissioner's Office directly:

  • Website: www.ico.org.uk

  • Helpline: +44 (0)303 123 1113

  • Address: Information Commissioner's Office, Wycliffe House, Water Lane, Wilmslow, Cheshire, SK9 5AF, United Kingdom

4. Expat Trust Contact

  • DPO: dpo@expatrust.com

  • Support: support@expatrust.com

  • Phone: +44 (0)20 3633 1539

  • Address: Expat Trust is a subsidiary of The Medical Membership Program Ltd.
    Registered Address:
    20-22 Wenlock Road
    London
    N1 7GU
    England.

Accessibility Statement
Describes site accessibility standards and how users can report access issues.

Accessibility Statement

Effective Date: 01/10/2025

Expat Trust is committed to ensuring that its website and digital services are accessible to as many people as possible, regardless of device, location, ability, or technology.

We are continuously working to improve the accessibility of our content to ensure an inclusive experience for all users.

1. Accessibility Standards

Our website is designed to follow relevant accessibility guidelines, including:

  • Web Content Accessibility Guidelines (WCAG) 2.1 AA standard

  • Compatibility with screen readers and keyboard navigation

  • Responsive layout for mobile, tablet, and desktop use

  • Clear text contrast and scalable font options

We aim to ensure that key content and navigation elements are perceivable, operable, understandable, and robust for all users.

2. Supported Features

  • Alternative text for images and graphics

  • Logical HTML heading structure

  • Adjustable zoom and font scaling

  • Consistent navigation and layout

  • Forms labelled for screen readers

  • Captions or transcripts for key media where applicable

3. Ongoing Improvements

We are continually reviewing our digital experience to improve accessibility, and we welcome user feedback to help us identify areas for enhancement.

4. Reporting Accessibility Issues

If you experience difficulty accessing any part of our site or services, or if you have suggestions to improve accessibility, please contact us:

  • Email: accessibility@expatrust.com

  • Phone: +44 (0)20 3633 1539

  • Address: Expat Trust is a subsidiary of The Medical Membership Program Ltd.
    Registered Address:
    20-22 Wenlock Road
    London
    N1 7GU
    England.

Please include:

  • The URL or page in question

  • A description of the issue

  • Your browser/device details (optional, but helpful)

We aim to acknowledge all accessibility requests within 2 business days.

Data Protection & GDPR Policy

Effective Date: 01/10/2025

This policy outlines how Expat Trust complies with the UK General Data Protection Regulation (UK GDPR), the Data Protection Act 2018, and applicable international data protection standards.

It applies to all personal data processed by Expat Trust, regardless of where the data subject is located.

1. Data Controller

Expat Trust (a subsidiary of Medical Membership Program Ltd) is the data controller responsible for processing your personal data in connection with your membership.

  • Contact: dpo@expatrust.com

  • Address: To be updated

2. Principles of Data Processing

All data is processed in accordance with the following principles:

  • Lawfulness, fairness, and transparency

  • Purpose limitation – Data is collected for specific, legitimate purposes

  • Data minimisation – Only what is necessary is collected

  • Accuracy – Personal data is kept up to date

  • Storage limitation – Data is retained only as long as needed

  • Integrity and confidentiality – Data is securely protected

  • Accountability – We document and review our compliance

3. Legal Basis for Processing

We process personal data on the following bases:

  • Contractual necessity – To assess eligibility and deliver membership services

  • Legal obligation – For compliance, fraud prevention, and regulatory reporting

  • Consent – Where explicit consent is needed (e.g. for sensitive health or biometric data)

  • Legitimate interests – For secure service operation, communication, and improvement

4. Data Subject Rights

Under UK GDPR, and equivalent international data protection laws, you have the right to:

  • Access your data

  • Correct inaccurate or incomplete data

  • Request erasure (right to be forgotten)

  • Restrict or object to processing

  • Data portability

  • Withdraw consent at any time (where applicable)

  • Lodge a complaint with the Information Commissioner’s Office (ICO)

To exercise these rights, contact: dpo@expatrust.com

5. Sensitive and Special Category Data

In order to verify eligibility for membership, we may process limited sensitive data such as:

  • Health-related information

  • Lifestyle details relevant to expat status

  • Passport or identity documentation

We will always request explicit consent before collecting or using sensitive data.

6. Data Transfers

Where data is transferred outside the UK or EEA, we ensure appropriate safeguards are in place, including:

  • Standard Contractual Clauses (SCCs)

  • Adequacy decisions from the UK Government

  • Secure cloud infrastructure (e.g. AWS)

7. Data Security Measures

We implement a combination of technical and organisational controls, including:

  • Encrypted storage and communications

  • Access controls and multi-factor authentication

  • Regular audits and system monitoring

  • Staff data protection training

8. Data Retention

Personal data is retained only for as long as required for the purposes outlined in our Privacy Policy, or as mandated by law. Data is securely deleted or anonymised once no longer needed.

9. Data Breach Notification

In the event of a breach that risks your rights or freedoms:

  • We will notify the ICO within 72 hours

  • We will notify affected individuals without undue delay (where required)

10. Contact Information

  • Data Protection Officer (DPO): dpo@expatrust.com

  • Phone: +44 (0)20 3633 1539

  • Address: Expat Trust is a subsidiary of The Medical Membership Program Ltd.
    Registered Address:
    20-22 Wenlock Road
    London
    N1 7GU
    England.

  • Supervisory Authority (UK): Information Commissioner’s Office – www.ico.org.uk

Membership Agreement

Effective Date: 01/10/2025

This Membership Agreement outlines the terms and conditions of your membership with Expat Trust. By joining, you confirm your understanding and acceptance of the terms below.

1. Eligibility & Structure

1.1 Expat-Only Membership
Expat Trust membership is available exclusively to individuals living outside their country of nationality or legal permanent residence.

1.2 Trust-Based Structure
Expat Trust is a trust-based membership program for expatriates. All qualifying members automatically receive the free benefit of worldwide medical cover, along with additional digital-based free benefits.

2. Membership Benefits

2.1 Medical Cover
Members receive access to global medical support as a free benefit of membership. Details are included in the digital welcome pack.

2.2 Digital Benefits
Two complimentary digital rewards are included with your membership, such as vouchers from Amazon, Apple, or similar. These are issued after the 14-day cancellation period unless you choose to waive your right to cancel in writing.

2.3 Subject to Change
The type and format of digital benefits may vary from time to time.

3. Membership Duration

3.1 Term
Membership is valid for 12 months from the date of activation.

3.2 Activation
Activation begins upon successful payment. A digital welcome pack is sent to the member’s registered email address.

4. Cancellation & Refunds

You may cancel within 14 days for a full refund, provided no benefits have been accessed. Digital benefits are issued only after this period unless a cancellation waiver is received. Full details are provided in the Refund & Cancellation Policy.

5. Termination

We reserve the right to terminate a membership in the event of misuse, false information, or breach of terms. Members may also cancel at any time; however, refunds are not available after 14 days.

6. Amendments

We may revise this agreement at any time. Any changes will be posted to our website. Continued use of your membership indicates acceptance of updated terms.

7. Contact

  • Email: support@expatrust.com

  • Phone: +44 (0)20 3633 1539

  • Address: Expat Trust is a subsidiary of The Medical Membership Program Ltd.
    Registered Address:
    20-22 Wenlock Road
    London
    N1 7GU
    England.

Privacy Policy

Effective Date: 01/10/2025

This Privacy Policy explains how Expat Trust collects, uses, stores, and protects personal information. It applies globally to all users and members who engage with Expat Trust through our website, services, or communications, except in jurisdictions where our services are not offered.

1. Our Commitment to Privacy

Expat Trust is committed to respecting the privacy of its global members and users. We only collect the information necessary to deliver your membership, provide trust-based benefits, and meet legal and compliance obligations.

This policy applies regardless of your country of residence, subject to applicable local laws and exclusions.

2. Information We Collect

We may collect the following types of personal information:

  • Full name

  • Email address

  • Phone number

  • Country of residence

  • Passport or identification documents

  • Date of birth and gender

  • IP address and browser/device metadata

  • Lifestyle information (e.g. occupation, travel habits, residency patterns)

  • Health-related information (e.g. pre-existing conditions, medical history relevant to membership eligibility)

  • Information relating to eligibility verification

  • Payment confirmation (via secure third-party processors)

  • Communication records (emails, chats, forms)

This list is not exhaustive and may be updated as necessary to reflect changes in membership criteria or services.

3. How We Use Your Information

We use your personal data to:

  • Assess and verify your eligibility for membership

  • Administer your membership and issue trust-based benefits

  • Communicate essential service updates

  • Fulfil compliance, anti-fraud, and legal obligations

  • Improve the functionality, usability, and performance of our digital systems

  • Maintain secure access and protect your information

4. Global Data Processing and Jurisdiction

Expat Trust operates globally. Personal data may be processed in the United Kingdom and other countries with adequate safeguards. If you are located outside the UK or EEA, by submitting your data you consent to its processing and storage in accordance with this policy.

5. Legal Basis for Processing

We process your data under one or more of the following lawful bases:

  • Consent: Where explicit consent is required (e.g. sensitive data).

  • Contractual necessity: To assess membership eligibility and deliver benefits.

  • Legal obligation: To meet regulatory or reporting duties.

  • Legitimate interest: For security, operations, fraud prevention, and service improvement.

6. How We Protect Your Information

We store your data using secure, encrypted infrastructure hosted by leading providers such as AWS. Access is restricted to authorised personnel only and protected by strong authentication protocols. Data is monitored and regularly reviewed to ensure security and compliance.

7. Retention Policy

We retain your data only for as long as needed to fulfil the purposes outlined above or to comply with applicable laws. After that, your data is securely deleted or anonymised.

8. Your Rights

Regardless of your location, you have the right to:

  • Request access to your personal data

  • Correct or update inaccurate data

  • Request erasure (where applicable)

  • Restrict or object to certain types of processing

  • Request data portability

  • Withdraw consent (where applicable)

To exercise these rights, email dpo@expatrust.com.

9. Data Sharing

We do not sell your data. We may share information, only as needed and under strict agreements, with:

  • Secure hosting and IT infrastructure providers

  • Legal and compliance partners

  • Verified benefit partners involved in delivering membership services

  • Regulators or legal authorities, where required

10. Cookies & Tracking Technologies

Our website uses cookies and other tools to analyse traffic and enhance functionality. Please see our Cookie Policy for more information.

11. Contact & Complaints

For data-related inquiries:

  • General Privacy Contact: privacy@expatrust.com

  • Data Protection Officer: dpo@expatrust.com

  • Phone: +44 (0)20 3633 1539

  • Address: Expat Trust is a subsidiary of The Medical Membership Program Ltd.
    Registered Address:
    20-22 Wenlock Road
    London
    N1 7GU
    England.

Trust & Security Information


Transparency about the trust structure, non-insurance status, secure delivery infrastructure (AWS, SES, Lambda, etc.), and benefit logistics.

Effective Date: 01/10/2025

Expat Trust is built on a foundation of transparency, legal clarity, and secure digital delivery. This policy explains how the trust is structured and how your membership and data are protected.

1. Trust Structure

Expat Trust is a trust-based membership program created exclusively for expatriates. It operates under a UK-governed discretionary trust model and is a subsidiary of Medical Membership Program Ltd. Members receive free benefits, including worldwide medical cover and digital rewards, issued under the authority of the trust.

2. Trustee & Legal Entity

  • Trustee: IMF Trustees 2019 Ltd

  • Company Number: 12171152

  • Trust Name: International Medical Fund Trust

  • Trust Domicile: British Virgin Islands

  • Jurisdiction: United Kingdom

3. Secure Digital Delivery

All Expat Trust services and documents are delivered digitally through secure systems. We work with leading global cloud providers that support high standards of data security, privacy, and availability.

Your membership data and documents are encrypted, access-controlled, and monitored in line with international best practices.

4. Information Security Practices

We apply strong security measures to ensure the safety and confidentiality of your information, including:

  • Encrypted storage and secure transmission

  • Limited access by authorised personnel only

  • Regular internal reviews and access controls

  • Ongoing system monitoring for security and uptime

These safeguards help ensure your data remains protected throughout your membership lifecycle.

5. Data Protection Compliance

All data is managed in accordance with the UK GDPR, the Data Protection Act 2018, and our internal data protection policies.

For more, refer to our Privacy Policy and Data Protection & GDPR Policy.

6. Contact

For trust or security-related questions:

  • Email: legal@expatrust.com

  • Phone: +44 (0)20 3633 1539

  • Address: Expat Trust is a subsidiary of The Medical Membership Program Ltd.
    Registered Address:
    20-22 Wenlock Road
    London
    N1 7GU
    England.

<a id="ico"></a>

ICO Registration
Lists the ICO registration number and the UK data controller contact for formal requests.

Accessibility Statement


Effective Date: 01/10/2025

Expat Trust is committed to ensuring that its website and digital services are accessible to as many people as possible, regardless of device, location, ability, or technology.

We are continuously working to improve the accessibility of our content to ensure an inclusive experience for all users.

1. Accessibility Standards

Our website is designed to follow relevant accessibility guidelines, including:

  • Web Content Accessibility Guidelines (WCAG) 2.1 AA standard

  • Compatibility with screen readers and keyboard navigation

  • Responsive layout for mobile, tablet, and desktop use

  • Clear text contrast and scalable font options

We aim to ensure that key content and navigation elements are perceivable, operable, understandable, and robust for all users.

2. Supported Features

  • Alternative text for images and graphics

  • Logical HTML heading structure

  • Adjustable zoom and font scaling

  • Consistent navigation and layout

  • Forms labelled for screen readers

  • Captions or transcripts for key media where applicable

3. Ongoing Improvements

We are continually reviewing our digital experience to improve accessibility, and we welcome user feedback to help us identify areas for enhancement.

4. Reporting Accessibility Issues

If you experience difficulty accessing any part of our site or services, or if you have suggestions to improve accessibility, please contact us:

  • Email: accessibility@expatrust.com

  • Phone: +44 (0)20 3633 1539

  • Address: Expat Trust is a subsidiary of The Medical Membership Program Ltd.
    Registered Address:
    20-22 Wenlock Road
    London
    N1 7GU
    England.

Please include:

  • The URL or page in question

  • A description of the issue

  • Your browser/device details (optional, but helpful)