1. Introduction
1.1 Definitions
“Business” means any agreement where an Intermediary’s Client purchases any of Unum’s financial products;
“Client” means a client or potential client of the Intermediary in consideration for placing Business
“FCA” means the Financial Conduct Authority
“FCA/PRA Handbook” means the handbooks published by the FCA / PRA respectively which may be amended from time to time and set out the principles, rules and guidelines for providers of financial services
“Group” means any subsidiary or subsidiaries or any holding company or holding companies or a subsidiary of any such holding company, as such terms are defined in section 1159 of the Companies Act 2006
“Intermediary” means a legal person who is either authorised under the Financial Services and Markets Act 2000 to carry out regulated activities or is a Professional Firm authorised by a Designated Professional Body
“PRA” means the Prudential Regulation Authority
“Professional Firm” has the meaning given by the glossary in the FCA / PRA handbooks
“TOBA” means a Terms of Business Agreement for Authorised Intermediaries between Unum and an Intermediary
“Unum” shall mean Unum Limited
1.2 Unum Limited is a company registered in England (company number 00983768) and a member of the Unum Group. We are authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority (reference number 110408). Our registered office is at Milton Court, Dorking, Surrey RH4 3LZ.
1.3 We provide this site as an online trading platform through which Intermediaries who have self-registered and been authorised to use the site may transact Business with Unum for their Clients. The site is intended to be accessed from the United Kingdom only by Intermediaries based in the United Kingdom. We administer the site from England.
1.4 These Terms shall apply from the date you first use the site ("Commencement Date").
1.5 We may amend these Terms at any time, without prior notice. If we do this, we will post the revised version on this page of the site. When you first log in after the Terms have been amended, you will be prompted to accept the new Terms in order to continue using the site. Once you have accepted the new Terms your use of the site will be subject to those new Terms. If an amendment is not acceptable to you then you should not accept the new Terms, should stop using the site and our online service immediately and should notify us of your objection to the amendment.
2. Authorised users
2.1 As part of this online registration process you will be asked to choose a unique user name and password combination to access the online service, or if you are a Unipass member, your Unipass digital certificate will allow you access to our online service. Your access to our online service is non-exclusive, non-transferable and personal to you. You are responsible for maintaining the confidentiality of your user name and password.
2.2 You may terminate your use of the online service at any time by written notification to us. We may suspend or terminate your status as an authorised user at our discretion at any time and without notice. In the event you sign a TOBA and it terminates, your right to use the site and our services will also terminate. The most likely reasons we will do this are: if you leave your organisation; your organisation loses its authorisation to conduct business; or your organisation is, or we reasonably believe your organisation is, in breach of these Terms or the TOBA (where applicable). The lifting of any suspension is entirely at our discretion.
2.3 The termination of these Terms for whatever reason shall not affect any provision (of these Terms, the TOBA (where applicable) or any insurance policy) which is required to survive in the event of termination. Termination of these Terms shall not prejudice or affect the rights of either party against the other party in respect of any breach of these Terms, or in respect of any monies payable by either party in relation to any period prior to its termination.
2.4 You are responsible for all consequences arising from the use or misuse of your user name and password. In particular, you acknowledge and understand that instructions and actions transmitted via the site will be deemed to have originated from you if your user name and password have been used. You are not permitted to let anyone else use your user name and password.
2.5 You agree to notify us immediately if you become aware of any loss or theft of your password or of any unauthorised use of your password.
3. Access
3.1 Our online services are accessed via the internet. It is your responsibility to ensure that you have the appropriate hardware, software and virus protection to enable you to use the site safely and securely and you are responsible for any telecommunications costs you incur in connection with your use.
3.2 Please note that the quality of your computer and the quality of your connection will affect your use of the site and our services (for example, the site may seem slow if you have a poor connection).
3.3 You should also check that the computer you are using to access the site has suitable protection such as virus protection and (particularly in the case of public computers) that key loggers are not running on the computer. We are not responsible for any breached security, computer virus or defect that affects your computer or data as a result of your use of the site or our services or the uploading and/or downloading of any materials to or from the site.
4. Responsibility
You are responsible for all your actions whilst using the site and our services. In particular, you are responsible for any information you provide on your own behalf or on behalf of your clients and ensuring that such information is accurate, complete and up-to-date to the best of your knowledge and belief (having made all reasonable enquiries). You are also responsible for any actions you take based on advice or information you receive via our site.
5. Your use of the site
5.1 You will only use our online service and any information obtained from it in a manner expected of a competent and professional Intermediary and for the lawful placing and administration of Business in accordance with the TOBA (where applicable), these Terms and any other instructions and provisions posted on the site.
5.2 You agree to use the site and our services for lawful purposes only and in a manner which is consistent with any and all applicable laws and regulations in the country in which you access the site. You agree not to interrupt or attempt to interrupt the operation of our site in any way and will not use the site or our services to publish, post, disseminate or distribute (a) any inaccurate, misleading, defamatory, obscene, pornographic, abusive, offensive or unlawful information; (b) any information that is in breach of any intellectual property or other right of a third party; or (c) software that could or is designed to harm people's computers, software or web sites.
5.3 You agree not to: access unauthorised areas of the site; probe, scan or test the vulnerability of the site; use any devices, software or routine to interfere with the proper working of the site; reverse engineer, decompile, copy, distribute, disseminate, sub-license, modify, translate or adapt any software or other code or scripts relating to the site; knowingly post or transmit any information that contains a virus, worm, Trojan horse or other harmful or disruptive components to the site; and/or take any action that imposes an unreasonable, or disproportionately large, load on the infrastructure of the site or our services.
5.4 You understand that access to other accounts of this site may be an offence. You agree not to access any other account, nor attempt to obtain or decrypt any passwords or other security protection for any other account. You will not impersonate any person or entity, misrepresent your affiliation with a person or entity; or misrepresent the origin of any content you provide to us.
5.5 You shall only provide information to the site in the format requested by the site, as specified by us from time to time.
5.6 Unum and Unum’s agents or subcontractors (including the online portal providers), will have access to user information, but this user information will not be passed on to other third parties.
6. Storage of information
We store information that you provide to the site on Unum’s database and related systems. The database is designed to be secure, but no database can guarantee 100% protection either in terms of unauthorized access or loss of or damage to information. We are not liable to you for any loss of access to, or deletion or alteration of, any information you upload to the site.
7. How we use cookies
What is a cookie?
Cookies are text files containing small amounts of information which are downloaded to your device when you visit a website. Cookies are then sent back to the originating website on each subsequent visit, or to another website that recognises that cookie. Cookies are useful because they allow a website to recognise a user’s device. You can find more information about cookies at: www.allaboutcookies.org
The cookies used on UnumOnline have been categorised based on the categories found in the ICC UK Cookie guide.
As well as Strictly Necessary cookies - that keep you logged in during your visit so you don’t have to log in on every page you go to – we also use Performance (analytics) cookies.
Performance (analytics) cookies track how you use UnumOnline, for example, what time of day you visit, the screens you look at and how you got there, e.g. from our main website or a search engine.
The information these cookies collect is anonymous and is grouped with information from everyone else’s cookies so we can see trends on the site. For example, we can see if people are leaving the site from a certain screen – this may cause us to look at this screen to see if there’s anything we can do to improve it.
By using UnumOnline, you agree that we can place Performance (analytics) cookies on your device.
You can find out more about what cookies are, the categories of cookies we use and how we use them by looking at our How we use cookies page on our main Unum website.
8. Information security
Information that is entered into this site is protected by industry standard encryption and access to servers used to host this information is tightly controlled. Unum is bound by the Principles as outlined in the FCA and PRA handbooks, which include the requirement to arrange adequate protection for policyholders' assets when it is responsible for them.
We cannot guarantee the security of information transmitted over the internet. You understand that this site does not guarantee any confidentiality with respect to any account details or content you upload, create, store and/or otherwise use in relation to this site.
9. Data protection
Both you and we agree to comply fully with the Data Protection Act 2018. In particular, where your use of the site involves the disclosure to us of any personal data, you shall ensure that you have the consent of the relevant individual(s) to make such disclosure to us for the purposes anticipated by use of the site so that personal data provided to us can be lawfully used or disclosed in the manner and for the purposes anticipated by these Terms, the TOBA (where applicable) and the insurance policy (where applicable). In particular, where you disclose sensitive personal data to us you shall ensure that you have the explicit consent of the relevant individual(s) for such purposes. You agree that you are familiar with and accept the terms of Unum’s Legal and Privacy Notice which is posted on this website.
10. Site content
10.1 Whilst every effort has been made to ensure the accuracy of all information on this site, we do not warrant the accuracy of any information on this site or any linked website. We will not be liable for any loss or damage resulting from any use or inability to use this site 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 site. We do not warrant that this site is free from errors, defects, viruses or alterations made outside of our control.
10.2 Should there be any difference between the information contained on this site and the information in the User Guide relating to the policy for which the quote was given and is being applied for, the terms in the User Guide and our policy document will prevail.
10.3 We may develop, update and/or improve this site from time to time. These developments, updates and/or improvements may be applied automatically from time to time. We also reserve the right to alter, remove or update materials and information on this site at any time without notice.
11. Links
Where we provide links to third party web sites or contacts we do so for information purposes only. We do not recommend or endorse any linked sites and we are not responsible for any products, services or materials found on the third party’s linked sites. You use such links entirely at your own risk and we accept no responsibility for the content or use of such web sites or for the information contained on such sites (including any web site through which you may have gained access to our site). You may not frame or link to the site without our prior written consent.
12. Availability
12.1 Our aim is to make the site and our services available for use at all times, but we cannot, and do not, guarantee availability either generally or at any particular time. There will be times when the site and our services are unavailable. Such unavailability may be planned (for example, where we are carrying out planned maintenance or upgrades) or unplanned (for example, where there is a hardware or software failure). You acknowledge and understand that you will not be able to use the site and our services when they are unavailable. We will try to keep unavailability to a minimum, but we accept no liability for any loss or damage you may suffer as a result of the site and/or our services being unavailable.
12.2 We may block your access to the site either temporarily or permanently at any time without notice for any reason.
12.3 We reserve the right to add, remove or change any services at any time without notice or explanation and without incurring any liability to you.
12.4 We reserve the right to remove the site at any time without notice or explanation and without incurring any liability to you.
13. Arranging business online
13.1 If you haven’t already signed Unum’s terms of business agreement (“TOBA”), it is available for download as part of the print pack which is available at the end of this online process and you will need to print, sign and return it to Unum. Any cover offered by Unum is conditional on you accepting these Terms by selecting the “I Accept Terms and Conditions of Use” option below and signing a TOBA if you have not already done so.
13.2 You may submit via our online service requests for the placement of Business with us. Quotes provided by us via our online service are subject to the terms of the policy wording for which the quote was given (as available on the site) and subject to any special conditions and/or exclusions that may apply.
13.3 On each occasion that we provide a quote, you will be able to purchase the policy on behalf of your client via our online service ("buy policy"). Business formed via use of the site shall be formed (and coverage bound) at the time of transmission by us (not receipt by you) of the cover note and the subsequent insurance policy.
13.4 You give the same warranties and undertakings to us regarding each Acceptance as you give under the TOBA in respect of all other acceptances of Business with Unum.
14. Payment of premiums and commission
The receipt, holding and payment of premiums by you and the payment of any commission due to you in respect of insurance policies concluded via your use of our online service shall operate according to the TOBA.
15. Our intellectual property
We own or are licensed to use all copyright, trademarks and other intellectual property rights in and/or relating to the site and our services. You may use those intellectual property rights only to the extent that you need to use the site and our services and in accordance with the TOBA (where applicable) and these Terms.
16. Disputes
Any complaints should be referred to the Customer Feedback Department, Unum Limited, Milton Court, Dorking, RH4 3LZ and any legal notices in connection with these Terms should be sent to the Legal Department, Unum Limited, Milton Court, Dorking, RH4 3LZ.
17. Indemnity
You shall indemnify us against all costs, damages, losses and expenses we incur or suffer as a result of your failure to comply with any of your obligations under these Terms.
18. Working with regulatory bodies
Our aim is to provide a site and services that operates legally. To facilitate this aim we will work with governmental and regulatory bodies to try and ensure that the site and our services are not used for any illegal purposes. This may include providing information provided by authorised users to those bodies where we suspect illegal practices are taking place or where we are asked to do so by those bodies.
19. Our liability to you
19.1 Save as set out in these Terms, we make no representations, and so far as is permitted by law, we exclude all warranties, conditions and guarantees, express or implied, whether oral or in writing, regarding:
19.1.1 the accuracy or completeness of information contained or acquired through the site;
19.1.2 the quality and performance of the site and that the site is virus-free and error-free; and
19.1.3 that the site will be available (as a whole or to you) on an uninterrupted basis.
19.2 To the extent permitted by applicable law, you agree that we shall not be liable to you for any loss of profit, revenue, contracts or goodwill that you and/or your business suffer under or in connection with these Terms, the site and our services.
19.3 We will not be liable for any loss or damage which was not foreseeable however it arises
19.4 To the extent permitted by applicable law, our total aggregate liability to you under or in connection with this Terms, the site and our services (whether such liability arises under any statute or in contract, tort or otherwise) shall be limited to £25,000.
19.5 The provisions of this paragraph 19 shall continue to apply after the termination of these Terms.
20. Circumstances beyond our control
We will not be liable to you for any breach of our obligations under these Terms to the extent that the breach is due to circumstances beyond our reasonable control.
21. General
No waiver shall constitute a waiver of any other terms. No failure by us to exercise a remedy shall constitute a waiver to subsequently exercise any remedy.
No third party may enforce these Terms except that our rights may be enforced by any of our Group.
If at any time any provision of these Terms is or becomes illegal, invalid or unenforceable in any respect under the law of any jurisdiction, that shall not affect or impair the legality, validity or enforceability in that jurisdiction of any other provision of these Terms.
22. Entire agreement
These Terms, together with the TOBA (where applicable), contain the entire agreement and understanding between you and us in relation to the site and our services.
23. Law and jurisdiction
These Terms and any dispute or claim that arises out of them (including non-contractual disputes or claims) are governed by and shall be construed in accordance with English law and the parties agree to submit to the exclusive jurisdiction of the English courts to settle any dispute or claim that arises out of these Terms (including non-contractual disputes or claims).