Your legal information

Updated 16th February 2023

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Please note

By using and accessing Unum Limited's websites, you are agreeing to the following terms and conditions. Please take time to read the following, which sets out these terms.

You should also read this in conjunction with any terms and conditions that apply to any specific applications on our websites.

We’ve aimed to make this clear and easy to understand. If you have any questions, please email

Legal information

  • These terms and the contents of these websites are for UK residents only. We do not represent that content available on or through our websites is appropriate for use or available in other locations. They are governed according to English law and regulations, and are subject to the exclusive jurisdiction of the English courts.

    These terms apply across all of Unum Limited's websites:

  • This content and information is for information purposes only and is not intended to be advice of any kind.

    Product information provided on our websites is not an offer to buy that product. If you are interested in any product appearing on our websites and would like more information, please contact one of our sales offices - listed on our contact us page.

  • Copyright of all information published on our websites belongs to Unum Limited and may not be used, sold, licensed, copied or reproduced in whole or in part in any way without our express permission.

    Unum® is a registered trademark and may not be used without our prior consent.

  • While we make every effort to ensure the information on our websites is accurate, we do not warrant or guarantee its accuracy, or the accuracy of information on any linked website. We are not liable for any loss or damage resulting from:

    • any use - or inability to use - our websites
    • any unauthorised access
    • changes to the information on our websites
    • reliance on any information on our websites

    We cannot guarantee that our websites will be free from errors, defects, viruses or alterations made outside of our control.

    You must not misuse our site by knowingly introducing viruses, trojans, worms, logic bombs or other material that is malicious or technologically harmful. You must not attempt to gain unauthorised access to our site, the server on which our site is stored or any server, computer or database connected to our site. You must not attack our site via a denial-of-service attack or a distributed denial-of service attack. By breaching this provision, you would commit a criminal offence under the Computer Misuse Act 1990. We will report any such breach to the relevant law enforcement authorities and we will co-operate with those authorities by disclosing your identity to them. In the event of such a breach, your right to use our site will cease immediately.

    If there is any difference between the information on our websites and our corporate literature - including key features documents, technical guides and policy documents - the corporate literature takes precedence.

    Where our websites contain links to other sites and resources provided by third parties, these links are provided for your information only. Such links should not be interpreted as approval by us of those linked websites or information you may obtain from them. We have no control over the contents of those sites or resources. 

  • We reserve the right to change the information on our websites, update product information and this legal and privacy section without notice at any time. Please refer back to this section every time you access our websites to ensure you still agree to any updated terms.

    If you access a restricted area on any of our websites, we will notify you about any changes.

  • and are owned by Unum Limited. Unum Limited is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority.

    PRA/FCA Firm reference number 110408

    Registered and Head Office: Milton Court, Dorking, Surrey, RH4 3LZ

    Registered in England company number 983768

    Unum Limited is a member of the Unum Group of Companies

    Copyright: Unum Limited © 2024