Legal

Financial Conduct Authority Notice - Zurich Prime

The Financial Conduct Authority has issued a warning notice with regards to a firm called 'Zurich Prime'.

Please be assured that this firm has no connection with Zurich Insurance plc, the Group, or the insurance industry in general.

Terms and Conditions (the "Terms")

Legal notice

Please read the following information carefully before using this website. These Terms and the relevant Privacy Policy apply to your use of any information, materials or features/functions included on the domain http://www.zurich.co.uk.   Please note that these Terms apply only in relation to your use of this website. There are separate terms and conditions that apply to your purchase of Zurich products and services.  These will vary according to the specific product or service you purchase.  A copy of the relevant terms and conditions will be made available to you before completing the purchase.  If you do not agree with these Terms and/or the Privacy Policy you must stop using the zurich.co.uk website immediately.

Contents

1 – Information about us

2 - Changes to this website and to these Terms

3 – Privacy

4 – UK and international use

5 – Access to this website

6 – Content you provide to this website

7 - Intellectual property

8 – Third party links

9 – User conduct

10 – Disclaimer

11 – Our liability to you

12 – Miscellaneous

1. Information about us

This website is operated by different companies in the Zurich Group and the content on the pages of this website is provided by and maintained by different companies in the Zurich Group for the purposes of the general insurance (for example, travel insurance, car insurance and home insurance), life insurance, pension and investment business they carry out. Detailed information about the products that these companies offer is available on different pages of this website.  Some of the pages allow customers to interact online with companies in the Zurich Group e.g. to obtain a quote.   
References to the ‘Zurich Group’ are to Zurich Insurance Group Ltd, a company registered in Switzerland (number CH-020.3.023.083-6), and its direct and indirect subsidiary companies, including branches of those subsidiary companies.
The products and services described on this website are offered by following companies:

Sterling ISA Managers Limited, trading as Zurich, provides pension and investment products.  Sterling ISA Managers Limited is authorised and regulated by the Financial Conduct Authority.

Zurich Assurance Ltd provides life, pension and investment products.  Zurich Assurance Ltd is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority.  

Zurich Insurance plc provides car, home, travel and other insurance products.  Zurich Insurance plc is authorised by the Central Bank of Ireland and subject to limited regulation by the Financial Conduct Authority. Details about the extent of our regulation by the Financial Conduct Authority are available from us on request.

*You can check these details on the Financial Services Register at www.fca.org.uk or by contacting the FCA on 0800 111 6768.  

2. Changes to this website and to these Terms

We may make changes to this website from time to time, including adding, varying or removing the products and services accessible through this website. We will try and give you reasonable notice of any major changes.  We do not guarantee that this website, any content on the website or services provided through the website will be error free or free from viruses. 
We may also update these Terms from time to time. Please check this page every time you access our website for any changes to ensure you have seen and are aware of our latest changes and terms.  When we update these Terms, we will state in these Terms when they were updated and the clauses and wording that we changed.  These Terms were most recently updated on 12 October 2017.  If you do not agree with the changes to the Terms or this website, you must stop using this website.  You also have the right to complain in relation to the website and or these Terms; please see section 12 of these Terms for our contact telephone number.

3. Privacy

Your use of this website may involve us collecting your personal data, including where you upload personal information to the pages on this website.  We also may monitor or record communications made via the website chat function (“webchat”); this is carried out in order to improve our service and for security and regulatory purposes.
We are committed to safeguarding the privacy of our customers. Please click here for our policies in relation to privacy for each of the companies providing products and services through this website, and for more information on how we use any personal data you supply us. 

Please click here for our cookie policy, which sets out information about cookies on our site.  

4. UK and international use

The pages on this website are intended for residents of the United Kingdom, unless stated otherwise. We make no representation that materials on this website are appropriate or available for use in locations outside the U.K. (including the Channel Islands and Isle of Man), and accessing this website from territories where its contents are unlawful is prohibited. If you choose to access this website from locations outside the U.K., you do so on your own initiative, at your own risk, and you are responsible for compliance with local laws.

5. Access to this website

Due to the nature of the internet and the fact that your access to our website involves features outside our control, we are not responsible for any technical problems you may experience with our website. If you do experience technical problems, please use the 'help and support' facility at the footer of the website.

6. Information you provide to this website

From time to time you may make use of a feature of this website (such as webchat) that allows you to upload content to our website.  Any content you upload to the website will be considered non-confidential and non-proprietary. You retain all of your ownership rights in your content, but you are required to grant us a limited licence to use, store and copy that content and to distribute and make it available to third parties.  The content you download must not infringe the rights of any third party, including their rights to confidentiality, privacy and their intellectual property rights. 

You must not knowingly transmit any data, send or upload any content that contains viruses, Trojan horses, worms, time-bombs, keystroke loggers, spyware, adware or any other harmful programs or similar computer code designed to adversely affect the operation of the website or any other computer software or hardware.

Any content you upload or provide must comply with the terms set out at section 9 regarding user conduct. 

7. Intellectual property

Other than in relation to any content that you upload onto the website as described at section 6 above, all intellectual property rights in or relating to our website and material published on it by us, are our property or used by us under licence from a third party. These include (but are not limited to) copyright in the graphic images, buttons, layout, and text contained in our website which are protected by copyright laws and other laws and treaties which apply on a worldwide basis. "Zurich" and its logos are registered trademarks of Zurich Insurance Company Ltd. 

You may download or print any pages from the website for personal, non-commercial use only, provided you do not remove any copyright or other proprietary right notice which states that Zurich are the copyright owner – the copyright notice for this website is displayed at the end of clause 12 of these Terms. 

8. Third party links

You may not create a hyperlink from another website to this website without Zurich’s prior written consent. For your information and convenience, we have included within this website links to other websites operated by third parties outside of the Zurich group. Zurich cannot be responsible for those websites and their content, which are beyond Zurich’s control, and Zurich does not approve such linked websites, nor does Zurich make any representation as to their quality, suitability, functionality or legality.  It is your responsibility to determine the safety, content or validity of any third party website.

9. User conduct

When accessing or using any service provided on this website, you may not post or transmit any unlawful, fraudulent, threatening, abusive, libellous, defamatory, obscene, pornographic, profane or otherwise objectionable information of any kind. This includes, without limitation, any transmissions constituting or encouraging conduct that would constitute a criminal offence, give rise to civil liability or otherwise violate any national or international law.

You may not use this website for commercial purposes without the prior agreement of Zurich, and you must not do anything to corrupt, damage or interfere with this website, to alter or impair its content, functionality, look or feel, or to use the website for any unlawful purpose.  We may take legal action if we discover any unauthorised use or interference with access to this website, any misappropriation, misuse or infringement of any of the website's content, or other breach of these Terms.

10. Disclaimer 

Whilst we have taken all reasonable care to ensure the information contained within the pages on this website is accurate, up-to-date, complies with relevant UK legislation, and regulations at the date of issue, we do not guarantee the accuracy or completeness of any information contained on or provided in connection with this website. We are not responsible for any errors or omissions or for the results obtained from the use of such information or for any technical problems you may experience with this website. You are responsible for the security of any data which you transfer to or from this website.
Nothing on the pages on this website constitute legal, tax, financial, or other professional advice in any way and you should consult your regulated financial adviser or other professional adviser if you require any financial, legal or other professional advice or are unsure about any information provided on this website.  You are responsible for ensuring that any actions you take or advice that you receive from others in reliance on any information and guidance provided by this website is suitable in any particular case.   Where relevant, you must review all documentation on which such limitations and any other warnings and disclaimers are explained and/or reproduced.  

You must keep any security details including any usernames, passwords and memorable information, safe and secure.  You acknowledge that you are responsible for any losses that you suffer as a result of your failure to do so.  If you know or suspect that anyone other than you knows your username, password or other information used to access any part of this website, you must contact us as soon as possible on the telephone number shown in section 12. 

11. Our liability to you 

We shall not be liable to you or anyone else in relation to this website, including any loss or damage caused by:

• any part of this website not being available at any time
• incorrect, misleading or out-of-date information on this website
• inability for any reason to log in or access the website or to maintain access so as to enable completion of any transaction successfully or in a timely manner
• any decision not to sell you a product or service
• events beyond our control or which we could not have reasonably foreseen, or
• the activities of third parties, such as hacking, phishing, the use or distribution of computer viruses, bugs, or trojans, and any other cyber crime.

Nothing in these Terms should exclude our liability to you: (1) for fraud or fraudulent misrepresentation, (2) for personal injury or death caused by our negligence; or (3) where it would otherwise be unlawful to do so.

12. Miscellaneous 

If a competent authority finds any or part of these Terms invalid, unlawful or unenforceable to any extent, we shall delete the relevant term or part from the remaining Terms which shall continue to be valid and enforceable to the fullest extent permitted by English law.

These Terms are governed by and construed in accordance with English law. For our exclusive benefit should a dispute arise connected with you using our website, it shall be resolved through the exclusive jurisdiction of the English courts unless you live in Scotland or Northern Ireland, in which case you could bring proceedings through the local courts.

Complaints:  If you need to complain, please contact us on 0800 096 6233.

© Copyright – Zurich Insurance plc 2017. All rights reserved. Reproduction, adaptation, or translation without prior written permission is prohibited except as allowed under copyright laws.