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Zurich My Plans - Website terms of use

1. Introduction

These terms of use set out the terms on which you may access the Zurich My Plans website (the website) as a registered user to view information about your Zurich plan(s). You must read and accept these before you use the website.

The website allows you to view details about your Zurich plan(s). Your access also allows you to submit changes to your personal details to us or to communicate with us online.

2. Information about Zurich

The website is operated and maintained by Zurich Assurance Ltd, trading as Zurich (‘we’, ‘us’, ‘our’ or ‘Zurich’).

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

We are registered in England and Wales under company number 02456671. Our registered office is at The Grange, Bishops Cleeve, Cheltenham, GL52 8XX.

We are authorised and regulated by the Financial Conduct Authority under Financial Services Register number 147672.

Reference to ‘Zurich Group’ means Zurich Insurance Group Ltd, a company registered in Switzerland (number CH-, and its direct and indirect subsidiary companies, including branches of such subsidiary companies.

3. Access to our website

We have provided you with online access to view some of your Zurich plans through the website.

When you activate your account for the first time, you will be prompted to select a new password for security purposes. Additionally, you can change your password at anytime on the website.

You must always keep your password secret and must not disclose them to any third party.

We reserve the right to disable your username or password, whether chosen by you, or allocated by us, if in our reasonable opinion you have failed to comply with these terms of use or the terms of use of any services that we provide to you through the website, or if we are required to do so by any applicable law, regulation or governmental body. For security and technical reasons, we may change your username or password. We will tell you if we do this.

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.

We will take reasonable steps to ensure the website is available for you to use every day during the available hours. However, there will be times when we need to interrupt service to perform maintenance or make changes or improvements to the website. Where we do interrupt service, we will take reasonable steps to minimise the time the website is unavailable for use.

4. Privacy policy and cookie policy

We are committed to safeguarding the privacy of our customers. We will take reasonable steps to ensure the information we hold about you on the website is secure.

By using our website, you agree to the terms of our Privacy Statement and Cookie Policy. Please read our privacy policy and cookie policy here.

5. Intellectual property

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 14 of these Terms.

6. 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.

7. 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, or introduce viruses, trojans, worms or other material which is malicious or harmful. 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 of use.

8. Security

Phishing is an email fraud method in which legitimate-looking emails are sent in an attempt to gather personal and financial information. We will never send emails to you asking for confidential or security information to be recorded online. You should delete such emails immediately without responding or opening any links or attachments in such emails.

We take reasonable steps to ensure the website is free from malicious software such as viruses. However, we cannot guarantee this and do not accept responsibility for any consequences that may arise from malicious software where these consequences are not within our reasonable control.

9. Your responsibilities

You are responsible for complying with these terms of use. In particular, you must:

  • provide and keep a valid email address that you regularly access so we can send electronic communications to you about your account.
  • take reasonable steps to ensure that any computer you use to access the website is secure and free from malicious software.
  • keep secret any security details including passwords as well as documents about your access to the website and its content.
  • provide accurate and complete information and tell us if you think any of the information we hold about you is wrong or changes.
  • let us know as soon as possible if you know or suspect that someone else has access to your username, security details including passwords or if you know or suspect that you have become a victim of identity theft.

If you share a computer with someone else or use a public computer, you must log-out when you have finished using the website.

10. Our responsibilities

We will operate and maintain the website in line with these terms of use.

We will exercise due care and diligence in managing the website.

We may be unable to perform our obligations under these terms of use where events occur that are beyond our reasonable control. These events include, but are not limited to:

  • riot, civil unrest, military action or terrorism
  • fire, explosion, earthquake, storm, flood, epidemic or other natural disaster
  • strikes, lockouts or other industrial action
  • unforeseeable restrictions imposed by legislation, regulation or other government initiative that are not the result of our misconduct
  • any change in market conditions affecting the execution or settlement of transactions within your accounts
  • any cyber-attack on our IT systems
  • any failure in transport networks or other utilities such as power, telecommunications networks or water leading to unavoidable disruption
  • any other event or circumstance that we are unable, using reasonable skill and care, to avoid.

Where an event beyond our reasonable control occurs and if you are being, have been, or are likely to be disadvantaged, we will, whenever possible, let you know as soon as we can.

11. 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 and passwords, 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.

12. Our liability to you

We shall not be liable for any direct, indirect, incidental, special or consequential damages or for loss of profit or opportunity, whatsoever, whether in contract, tort, or otherwise arising from your use of our website, information contained on our website or your inability to use our website.

We shall not be liable to you or anyone else in relation to this website, including any direct or indirect 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
  • any inaccurate, misleading or incomplete information you provide and upon which we rely
  • 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.

13. Changes to this website and to these terms of use

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.

14. Law

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

These terms of use 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.

© Copyright – Zurich Insurance plc 2019. All rights reserved. Reproduction, adaptation, or translation without prior written permission is prohibited except as allowed under copyright laws.