Please read the following terms and conditions as by accessing and using our website you agree to these terms:
Jurisdiction
These terms and the contents of this website are for UK residents and insurance intermediaries only and are governed in accordance with English law and regulations and subject to the exclusive jurisdiction of the English courts.
General Disclaimer
The content and information provided by Unum is for information purposes only and is not intended to be advice of any kind. No product information provided on this website constitutes an offer of that product. If you are interested in any product appearing on this website and would like further information, please contact one of our sales offices which are listed on the Contact Us page.
Copyright and Trademarks
Copyright of this website and all the information included belongs to Unum Limited trading as Unum and may not be used, sold, licensed, copied or reproduced in whole or in part in any manner or form or media without our express permission.
Unum is a registered trademark and may not be used without our prior consent.
Warranties and Limitation Of Liabilities
Whilst every effort has been made to ensure the accuracy of all information on this website, Unum does not warrant the accuracy of any information on this or any linked website. Unum will not be liable for any loss or damage resulting from any use or inability to use this website or from any unauthorised access to, alteration to or modification of, or from any reliance that may have been placed upon, information contained in this website.
Unum do not warrant that this website is free from errors, defects, viruses or alterations made outside of our control.
Should there be any difference between the information contained on this website and the information in our Corporate Literature (which includes Key Features Documents, Technical Guides and Policy Documents) the terms in our Corporate Literature will prevail.
Amendments and Alterations
Unum reserves the right to make alterations to the information on this website, to update product information and to amend these terms and conditions, without prior notice at any time.
Data Protection
At Unum we are aware how important it is to protect the personal and financial information to which we are entrusted. Unum complies with its obligations under the Data Protection Act 1998 that relate to processing personal data. We take all reasonable steps to ensure the security of personal information exchanged through this website. Your information will remain confidential and we will not disclose any personal data to a third party without your consent except where there is a legal or regulatory obligation to do so. We do not sell, trade or rent your personal information to third parties and will only use your personal data for the purposes you have agreed to.
Details of the purposes for which Unum holds personal information and the parties to whom we may disclose information can be found within the Data Protection Register. To look at the register go to www.informationcommissioner.gov.uk and follow the "Notification" links.
When you send us information via our website, we collect personal data that you disclose to enable us to deal with your request and contact you. We will only use your personal data you provide to process your request unless otherwise notified to you.
E-mail
If you provide us with your e-mail address, you agree that we may communicate with you (and vice versa) via e-mail. If your e-mail address changes please let us know as soon as possible.
You will let us know as soon as possible should you become aware of any failure, delay or error in sending or receiving an e-mail. Unum's records of e-mail sent will be conclusive evidence that the e-mail has been sent unless there is a clear mistake.
You may withdraw the e-mail facility at any time upon any form of notice to us. We will notify you in writing if we no longer wish to communicate with you via e-mail.
Marketing
If we intend to use your personal information for marketing purposes we will give you the opportunity to advise us that you do not wish for it to be used in this way.
Security
You accept that personal information sent via our website (including e-mail) is not encrypted and may be intercepted by third parties or electronically delivered to third parties other than the addressee. Any such information is sent at your own risk. In view of this we suggest that sensitive personal data such as medical information or confidential information is not sent to Unum via the website or e-mail.
Cookies
Unum's website, along with most other major websites, uses cookies. Cookies are pieces of information that a website transfers to the cookie file of each computer that accesses it. Cookies can help users navigate around a website whilst also helping organisations tailor their website's content to fit the needs of their visitors.
Unum uses cookies to establish the most popular area of the site and to ensure that future development is in line with customer requirements. Customer information will not be passed onto third parties.
Unum Limited is authorised and regulated by the Financial Services Authority
FSA Firm reference number 110408
Registered and Head Office: Milton Court, Dorking, Surrey RH4 3LZ
Registered in England company number [00983768]
Unum Limited is a member of the Unum Group of Companies
Copyright: Unum Limited © 2010