Legal disclaimer

General terms & conditions

The royal-london.co.uk web site ("Site") is made available by the Royal London Group. 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.

Royal London products

Each Royal London product on this website is provided or arranged by one of the following companies:

The Royal London Mutual Insurance Society Limited. Registered in England and Wales number 99064. Authorised and regulated by the Financial Services Authority, registration number 117672. Member of the Association of British Insurers. Registered office: 55 Gracechurch Street, London, EC3V 0RL, United Kingdom.

Royal London Marketing Limited. Registered in England and Wales number 4414137. Authorised and regulated by the Financial Services Authority, registration number 302391. Registered office: 55 Gracechurch Street, London, EC3V 0RL, United Kingdom.

Royal London Management Services Limited. Registered in England and Wales number 286478. Registered office: 55 Gracechurch Street, London, EC3V 0RL, United Kingdom.

Royal London Savings Limited. Registered in England and Wales number 3642633. Authorised and regulated by the Financial Services Authority, registration number 191237. Registered office: 55 Gracechurch Street, London, EC3V 0RL, United Kingdom.

Royal London Unit Trust Managers Limited. Registered in England and Wales number 2372439. Authorised and regulated by the Financial Services Authority, registration number 144037. Registered office: 55 Gracechurch Street, London, EC3V 0UF, United Kingdom.

Group registered VAT number 368 5244 27.

Home insurance

Royal London Home Insurance is underwritten by Norwich Union Insurance Limited. Registered in England number 99122. Registered office: 8 Surrey Street, Norwich, NR1 3NG. A member of the Aviva Group. Authorised and regulated by the Financial Services Authority.

Motor insurance

Royal London Motor Insurance is underwritten by Churchill Insurance Company Limited. Royal London Breakdown Services are provided by Green Flag Motoring Assistance, a trading name of UK Insurance Limited, the insurer of the policy cover. Churchill and UK Insurance are part of The Royal Bank of Scotland Group.

Pet insurance

The Royal London Pet Protection Plan is underwritten by UK Insurance Limited.

The Guaranteed Over 50 Plan

The Guaranteed Over 50 Plan is provided by AXA Sun Life plc, part of the AXA worldwide insurance group. It is an insurer and is authorised and regulated by the Financial Services Authority. Registered in England No. 3291349. Registered Office: 5 Old Broad Street, London, EC2N 1AD.

The Scottish Bond

The Scottish Bond is provided by Scottish Friendly Assurance Society Limited. It is a friendly society and is authorised and regulated by the Financial Services Authority and is a member of the Association of British Insurers and the Association of Friendly Societies. Registered Office: Scottish Friendly House, 16 Blythswood Square, Glasgow G2 4HJ.

The Dignity Funeral Plan

The Dignity Funeral Plan is provided by Dignity Pre Arrangement Limited. A company registered in England No. 1862158. VAT registered No. 486 6081 14. Plantsbrook House, 94 The Parade, Sutton Coldfield, B72 1PH. Telephone No. 0121 354 1557. Fax No. 0121 355 8081. Part of Dignity plc. A British company. www.dignityfunerals.co.uk

Will writing service

The will writing service is provided by Will Drafters Ltd. Registered Office: 797 London Road, Croydon, CR7 6AW. Registered in England No 2527040. VAT No 574-0269-37.

About the site

The Site contains general information only on the products and services of Royal London, 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.

While 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 web site, 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 The 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

While 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 web sites

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 web site nor are we authorising you to access and use any information held on that web site.

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 web site is misleading, inaccurate, defamatory or otherwise infringes any law or the rights of any person or entity) for any other web site referred to on, or accessed through, this Site.

Links to Royal London web sites

Anyone linking to this or any other Royal London web site must obtain written permission from
Royal London before 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. While 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 ("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.

Our email address is custserv@royal-london.co.uk