General Terms and Conditions

Scottish Life, St Andrew House, 1 Thistle Street, Edinburgh, EH2 1DG. Scottish Life is a division of Royal London and markets products produced by Royal London. Royal London consists of The Royal London Mutual Insurance Society Limited and its subsidiaries. The Royal London Mutual Insurance Society Limited provides life and pension products, is a member of the Association of British Insurers and is authorised and regulated by the Financial Services Authority, registration number 117672. Royal London Marketing Limited acts as an insurance intermediary for general insurance products and is authorised and regulated by the Financial Services Authority, registration number 302391. The Royal London Mutual Insurance Society Limited is registered in England and Wales number 99064. Registered Office 55 Gracechurch Street, London EC3V 0RL, United Kingdom. Royal London Marketing Limited is registered in England and Wales number 4414137. Registered Office 55 Gracechurch Street, London EC3V 0RL, United Kingdom.

RL Corporate Pension Services Limited provides pension services and is authorised and regulated by the Financial Services Authority, registration number 460304.

The Royal London Group registered VAT number is 368 5244 27.

The scottishlife.co.uk website ("Site") is made available by The Royal London Group, which includes Scottish Life. Your use of the Site is subject to the following terms and conditions ("the Terms"). You must read these Terms carefully before using the Site, as by using the Site you confirm that you have read and understood the Terms and that you agree to be bound by them.

We may amend the Terms from time to time. We will post any changes to the Terms here and you accept that your continued use of this Site after any change indicates your acceptance of that change.

About the Site

The Site contains general information only on the products and services of Scottish Life, unless otherwise stated. Nothing in these pages shall be deemed to constitute financial or other professional advice in any way. You should consult a financial adviser or other professional adviser if you require any financial or other professional advice.

Whilst we will try to keep the material on the Site up to date, we will not be liable to you or to any other party for the consequences of any delays, errors or omissions in doing so.

We reserve the right from time to time to alter any part of the Site including, without limitation, products offered or information made available on the Site. We do not guarantee that the Site or the information on the Site will be available continuously and without interruption or fault and we may suspend or withdraw the Site at any time and for any reason.

We will process your personal data in accordance with our Privacy Policy.

Use of the Site

You may download the Site to a local hard disk for your personal use only. You may not reproduce all or part of the content of the Site without our prior written consent unless it is for personal use. No part of the content of the Site may be incorporated into or stored in any other website, electronic retrieval system or other work in any form.

You may not publish, copy, distribute, modify, transmit, or reproduce in any form (whether in hard copy, electronic or other) or otherwise use the information and materials on the Site for any purposes other than those set out in the Terms.

You will not:

  • use the Site for any illegal purpose or in any manner inconsistent with the Terms, or applicable law; interfere with the proper operation of the Site or take any action which is likely to cause the service provided
  • by the Site to be interrupted or degraded; or
  • attempt to gain unauthorised access to our computer system or that of any other user.

Intellectual property

All intellectual property rights in the materials in or on the Site including, without limitation, the Site layout, designs, text, images, graphics and any underlying databases remain the property of Royal London Mutual Insurance Society Limited or its licensors, and no rights will pass to you. You agree not to alter or remove any copyright notice, trade mark or any other proprietary rights notice or mark from any of the material or information contained within the Site.

Your liability

You will indemnify us and keep each member of the Royal London Group indemnified against any and all claims, damages, losses, liabilities and costs arising from and in connection with your use and/or abuse of the Site or your breach of these Terms.

Disclaimer / our liability

Whilst we will deliver our service with reasonable skill and care and the information contained within the Site has been compiled in good faith, all warranties, representations and undertakings, whether express or implied, statutory or otherwise, including but not limited to warranties of satisfactory quality, accuracy, fitness for a particular purpose and of non-infringement of the rights of a third party, are hereby excluded to the fullest extent permitted by law.

To the extent permitted by applicable law, we make no warranties, representations or undertakings that the Site or any material on the Site, will be free from viruses or other defects. We recommend that you take your own precautions to ensure that whatever you select for use from this Site is free from computer viruses or other defects.

We will not be liable or responsible to you for costs, losses, claims or damages of any kind, whether direct, indirect, consequential, special or otherwise, arising out of your access to, or use of, the Site nor your downloading and use of, or reliance upon, information provided on or through the Site.

Nothing in the Terms shall exclude, limit or restrict our duties and liabilities to you under the Financial Services and Markets Act 2000 and any subsequent amending or replacement legislation which regulates the carrying out of investment or financial business in the United Kingdom, or any conduct of business rules which we are bound to comply with.

Nothing in the Terms shall attempt to exclude liability for fraudulent misrepresentation.

Links to other websites

We have no control over the third party internet sites that you can access by hypertext link through the Site. These sites are not covered by our Terms and we are not responsible for the content nor the way in which information about their users is treated. By providing a link, we are not endorsing or indicating our approval of the content of that website nor are we authorising you to access and use any information held on that website.

We make no warranties, representations or undertakings about and take no liability whatsoever (including, but not limited to, liability arising out of any allegation that the content of any other website is misleading, inaccurate, defamatory or otherwise infringes any law or the rights of any person or entity) for any other website referred to on, or accessed through, this Site.

Links to Scottish Life websites

Anyone linking to this or any other Scottish Life website must obtain written permission from Scottish Life doing so.

Products and services provided by third party suppliers

From time to time we may offer you access to products and services provided by third party suppliers at special rates. Whilst every care is taken in selecting both the products and services and the suppliers, we make no warranties, representations or undertakings in respect of them, and we will not be liable or responsible to you for any costs, losses, claims or damages of any kind, whether direct, indirect, consequential, special or otherwise, arising from your taking advantage of any such product or service, and your sole remedy shall be against the third party supplier(s) in question.

Jurisdiction

The Terms are governed in accordance with English law and the English courts will have exclusive jurisdiction over any dispute arising out of these Terms or your use of the Site.

The services and products contained within the pages of the Site are issued and available in the United Kingdom, including the Channel Islands and the Isle of Man ("UK") only and are intended for the information and use of residents of the UK. Therefore, we do not make any warranties or representations, express or implied, that the Site or the information contained within the Site outside the UK is compliant with applicable local laws or regulations or that the information can be legitimately used outside the UK.

General

If any provision of these Terms shall be unlawful, void, or for any reason unenforceable, then that provision will be severed from these Terms and will not affect the validity and enforceability of any remaining provisions.

All rights not expressly granted in these Terms are reserved to us.

If you have any questions concerning these Terms and Conditions please contact us using the contact details on the site.

Copyright & The Royal London Mutual Insurance Society Limited, 2005-2008.

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