Legal terms and conditions
This website is brought to you by Pearl Group Management Services Limited ("PGMS") (No. 3588063), a company registered in England, registered office 1 Wythall Green Way, Wythall, Birmingham B47 6WG. PGMS is a member of the Phoenix Group of companies, including Phoenix Life Limited, Phoenix Life Assurance Limited, Phoenix Customer Care Limited and Pearl Customer Care Limited and PGMS brings this website to you on their behalf. If you have any comments or questions about the website please contact us at the address noted in paragraph 18 below.
Phoenix Life Limited and Phoenix Life Assurance Limited are authorised and regulated by the Financial Services Authority.
Phoenix Life Limited and Phoenix Life Assurance Limited are registered and located in England.
* Both have their Registered Office at: 1 Wythall Green Way, Wythall, Birmingham, B47 6WG
Phoenix Customer Care Limited (No; 03315193) (trading as Phoenix Customer Care) and Pearl Customer Care Limited (No. 03947540) (trading as Phoenix Customer Care) both have their Registered Office at: 1 Wythall Green Way, Wythall, Birmingham, B47 6WG.
Phoenix Customer Care Limited and Pearl Customer Care Limited act as introducers or introducer appointed representatives to other suppliers outside of the Phoenix Group of companies. Any pages brought to you by Phoenix Customer Care Limited and Pearl Customer Care Limited will be identified by the header and/or footer of that page.
Access to this website (or portions thereof) and the use of information, materials, products or services provided through this website (or portions thereof), is not intended, and is prohibited, where such access or use violates applicable laws or regulations.
This website is a commercial site. As such, it is not intended for children or minors.
4. Product Information
All references on this website to information, materials, products and services apply to information, materials, products and services available in the countries or jurisdictions specified with respect to such information only, unless otherwise stated.
This website is for information purposes only. It does not provide you with any personalised financial, legal, accounting or tax advice. Nothing in this website constitutes an offer to buy or sell products or services either in the UK or other jurisdictions. What is actually covered under an individual policy or product will be contained in the relevant policy terms and conditions.
For further information about Phoenix products or services, please contact us by one of the methods set out in paragraph 18 below.
5. Past performance, Volatility of Investments and Tax
Past performance of any product is not necessarily a guide to future performance. The value of unit linked funds is not usually guaranteed and these funds may increase or reduce in value in future. Exchange rate fluctuations will add to the volatility of any funds denominated in other currencies. Investors and policyholders may be subject to tax on any proceeds or gains arising.
We strongly recommend that you seek independent financial advice when making decisions about your policies and investments.
6. Ownership of materials and licence terms
Unless otherwise indicated, this website and its design, text, content, selection and arrangement of elements, organisation, graphics, design, compilation, magnetic translation, digital conversion and other matters related to this website are protected under applicable copyrights, trademarks and other proprietary (including, but not limited to, intellectual property) rights and are the property of Phoenix Life Limited or the material is included with the permission of the rights owner and is protected pursuant to copyright and trademark laws throughout the world.
The Phoenix Life logo, all product names, all page headers, all custom graphics, all button icons, all trademarks, service marks and logos appearing on this website, unless otherwise noted, are service marks, trademarks and/or trade dress of Phoenix Life Limited (or another member of the Phoenix Group (the "Marks")). All other trademarks, product names, company names, logos, service marks and/or trade dress mentioned, displayed, cited or otherwise indicated on the website are the property of their respective owners. You agree not to display or use the Marks in any manner without our prior written permission. You agree not to display or use trademarks, product names, company names, logos, service marks and/or trade dress of other owners without the prior written permission of such owners. The use or misuse of the Marks or other trademarks, product names, company names, logos, service marks and/or trade dress or any other materials contained herein, except as permitted herein, is expressly prohibited.
8. Hyperlink Disclaimer
This website may contain links and/or advertisements to other websites maintained by us in addition to links to websites maintained by unrelated companies and persons. An advertisement of, or link to, a non-Phoenix website does not mean that we approve, endorse or accept any responsibility for that website, its content or use, or the use of products and services made available through such website.
Any arrangement made by you with a third party as a result of you accessing another website via a link from this website shall be an arrangement between you and the relevant third party and is at your sole risk and responsibility.
We are not responsible for the actions, content, accuracy, opinions expressed, privacy policies, products or services provided through these links or made available through these resources or appearing in such websites, nor for any damages or losses, directly or indirectly, caused or alleged to have been caused as a result of your use or reliance on such websites.
Such websites are not investigated, monitored or checked for accuracy, completeness or conformance with applicable laws and regulations by us. We do not make any representations whatsoever, or give any warranties of any kind, expressed, implied, or otherwise about other websites which you may access through this website, the content thereof, or the products and/or services made available through such websites. If you decide to leave our website and access these other websites, you do so at your own risk. All rules, policies (including privacy policies) and operating procedures of such websites will apply to you while on such websites.
9. Links from other websites
Establishing a link to this website is strictly prohibited without express written consent from us. Persons providing access to this website via links from another website are solely responsible for the content, accuracy, opinions expressed, privacy policies, products or services of, or available through, the source website and for any representations made or impressions created concerning PGMS, Phoenix, Phoenix Customer Care or the Phoenix Group.
10. Data Protection Consent
We will not have the responsibility to respond to messages posted at this website. Furthermore, posting or transmittal of any unlawful, threatening, libellous, defamatory, obscene, pornographic or profane material or any material that could constitute or encourage conduct that would be considered a criminal offence or violation of any law is strictly prohibited.
12. No Warranties
We make no representations or warranties with respect to this website or its contents, which are provided for use "as is" to the fullest extent allowed by the applicable law. We disclaim all warranties and conditions, express or implied, including without limitation the implied warranties of title, non-infringement, merchantability, quality and fitness for a particular purpose and/or freedom from viruses, with respect to this website and any website with which it is linked.
We also make no representations or warranties as to whether the information accessible via this website, or any website with which it is linked, is accurate, complete, or current. You accept that our Group, shareholders, owners, officers, directors, employees and other representatives shall have the benefit of this clause.
It is your responsibility to evaluate (or take professional advice on) the accuracy and completeness of all information, opinions and other material on this website or any website with which it is linked. Your statutory rights as a consumer, if any, are not affected by these provisions, and we do not seek to exclude or limit liability for fraudulent misrepresentation.
13. Exclusion of Liability
To the fullest extent permitted by applicable laws we, on behalf of our Group, employees, agents, suppliers, and contractors exclude liability for any losses and expenses of whatever nature and howsoever arising including, without limitation, any direct, indirect, special, punitive, or consequential damages, loss of use, loss of data, loss caused by a virus, loss of income or profit, loss of or damage to property, claims of third parties, or other losses of any kind or character, even if we have been advised of the possibility of such damages or losses, arising out of or in connection with the use of this website or any website with which it is linked. You assume total responsibility for establishing such procedures for data back up and virus checking as you consider necessary. Price and availability of information, materials, products and/or services is subject to change without notice.
14. Indemnity and Release
15. Modification and Discontinuation
We reserve the right at any time and from time to time to modify, edit, delete, suspend or discontinue, temporarily or permanently this website (or any portion thereof) and/or the information, materials, products and/or services available through this website (or any part thereof) with or without notice. You agree that we shall not be liable to you or to any third party for any such modification, editing, deletion, suspension or discontinuance of this website.
16. Entire Understanding
17. Law & Jurisdiction
You are responsible for compliance with any applicable laws of the country from which you are accessing this website. We make no representation that the information contained herein is appropriate or available for use in other locations outside England. You agree that the courts of England shall have exclusive jurisdiction to resolve any controversy or claim of whatever nature arising out of or relating to use of this website, and that the laws of England shall govern such dispute or claim. However, we retain the right to bring legal proceedings in any jurisdiction where we believe that infringement of this agreement is taking place or originating.
18. Contacting us
©Copyright Phoenix Life Limited - all rights reserved. Reproduction of this Website, in whole or in part, in any form or medium without express written permission from Phoenix Life Limited is prohibited.