Zurich FutureYou Terms of Use

This website provides you with information to make your own financial decisions. Nothing on this website is personalised advice or a recommendation. If you need a personalised recommendation based on your personal circumstances, you should obtain regulated financial advice. The information on this website is not intended to be a substitute for legal, tax, financial or other professional advice.

You are responsible for ensuring that the information you put into the website is accurate and is a true reflection of your personal circumstances. The value of investments can go up and down and you should verify the completeness and accuracy of any information on this website before making any financial decisions and consult a regulated financial adviser if you are unsure about any information provided on this website or in making your own financial decisions. We do not accept any responsibility for any decisions you make based on the information you inform us of either through this website or otherwise.

1. Introduction

These terms of use set out the terms on which you may use the Zurich FutureYou website Zurich.co,uk/FutureYou (‘the website’) as a guest or registered user. Your use of the website includes accessing, browsing or registering to become a registered user.

The website provides information and guidance with articles, tools, and calculators to help you plan your financial future. If you want financial advice, you will find access to regulated financial advisers. The website also links to Zurich Group company product providers, and other websites that Zurich Intermediary Group Limited (ZIGL) think you will find useful. Easy to use, jargon-free and secure, this website enables you to add your Zurich Group plans and to buy their products.

In providing the services on this website to you, ZIGL will be remunerated by the relevant Zurich Group companies. ZIGL will tell you how much it gets paid prior to carrying out any business you request through this website for you.

Please read these terms of use carefully before you start to use the website and print a copy for your records or save a copy to your electronic device, as these will apply to your use of the website.

The pages on this website are intended for residents of the United Kingdom only, unless ZIGL or other Zurich Group companies have said elsewhere that this is not the case. If you choose to access this website from locations outside of the UK, you do so on your initiative, at your own risk and you are responsible for compliance with local laws.

2. Information about us

Zurich FutureYou is a trading name of Zurich Intermediary Group Limited (ZIGL). The website is operated and maintained by ZIGL. Where the website refers to ‘we’, ‘us’, ‘our’ or ‘Zurich’ this could mean any company listed below, which is based in the UK.

Life, pension and investment products in the UK are provided by:

Zurich Assurance Ltd is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Registered in England and Wales under company number 02456671.

and

Sterling ISA Managers Limited (SIML) is authorised and regulated by the Financial Conduct Authority. Registered in England and Wales under company number 02395416. ‘Zurich’ is used as a trading name of this company. SIML is the provider of the Zurich Portfolio and the accounts made available within it.

The promotion and distribution of products and services offered by companies in the UK is undertaken by:

Zurich Intermediary Group Limited is authorised and regulated by the Financial Conduct Authority. Registered in England and Wales under company number 01909111.

The Zurich Horizon Multi-Asset Fund range is provided by:

Zurich Investment Services (UK) Limited is the authorised Corporate Director of the Zurich Investment Funds ICVC and is authorised and regulated by the Financial Conduct Authority. Registered in England and Wales under company number 3383730.

Financial Advice made available through Zurich FutureYou is provided by:

Zurich Advice Solutions (UK) Limited*, an appointed representative of Evolution Wealth Network Limited. Registered in England and Wales under company number 01609567.

Evolution Wealth Network Limited is authorised and regulated by the Financial Conduct Authority. Registered in England under company number 08229133. Registered office: Sussex House, North Street, Horsham, West Sussex, RH12 1RQ.

* Zurich Advice Solutions (UK) Limited can only provide advice on Zurich’s products.

Registered company address

All the Zurich companies above, based in the UK, have their registered office at: The Grange, Bishops Cleeve, Cheltenham, GL52 8XX.

Zurich Group

With the exception of Evolution Wealth Network Limited, all of the companies listed above are part of a group of companies of which the ultimate parent company is Zurich Insurance Group Ltd, a company registered in Switzerland under company number CH 020.3.023.083-6, and its direct and indirect subsidiary companies, including branches of such subsidiary companies.

3. Changes to these terms of use

ZIGL may revise these terms of use at any time for legal or regulatory reasons, to reflect changes in the services provided through this website or to reflect changes in our business practices by amending this page and posting the new version on this website. Please check this page from time to time to take notice of any changes ZIGL make, as they are binding on you.

Where ZIGL make any material changes to these terms of use, ZIGL will notify you at least 30 days before the change, where this is reasonably possible. Otherwise ZIGL will let you know as soon as it reasonably can. ZIGL suggests you print a copy or save a copy to your electronic device of the updated terms of use. By using this website, you confirm that you accept these terms of use and that you will comply with them.

If you do not agree to these terms of use or any updates posted on the website or sent to you, you must not use the website.

4. Changes to the website

ZIGL may update the website from time to time and may change the content and services provided through the website at any time. However, please note that any of the content on the website may be out of date at any given time and ZIGL is under no obligation to update it.

ZIGL does not guarantee that the website, or any content on, or service offered through it, will be free from errors or omissions.

5. Using the website

ZIGL will take reasonable steps to ensure the website is available for you to use 24 hours every day. However, some services may not be immediately available and you should check the website regularly to see when these services become available. There may also be times when ZIGL needs to interrupt service to perform maintenance and repairs or to update or upgrade the contents or functionality on our website.

Where ZIGL does interrupt service, it will take reasonable steps to tell you in advance and to minimise the time the website is unavailable for use. If you cannot access the website at a time when ZIGL has not interrupted service to perform maintenance, repairs or to update or upgrade the contents or functionality on the website, please call us on 0800 5879040. Lines are open Monday to Friday, 8am to 5.30pm (excluding bank holidays).

You are responsible for making all necessary arrangements to access the website. Please let ZIGL know as soon as possible if you experience any failure, delay or error while using the website.

You must be a registered user to access the secure part of the website. You can register as a user by using your email address as your login ID and choosing a password that is required to meet the Zurich Group’s security standards which are explained when you login. You must always keep your password information secret and must not disclose it to any third party.

For security or technical reasons, ZIGL may change your password at any time. ZIGL will tell you if it does this. ZIGL reserve the right to disable your password if in its reasonable opinion you have failed to comply with these terms of use or if ZIGL is required to do so by any applicable law, regulation or governmental body or where it believes the integrity of the website and/or systems and information on the website and/or systems may be compromised by your failure to keep your password secret.

6. Content of the website

ZIGL owns the content of the website and is the owner or licensee of all intellectual property rights in the website. These include copyright in the graphic images, buttons, layout and text and are protected by copyright law.

You may not copy, share or distribute the content from the website without ZIGL’s prior written consent other than for your personal non-commercial use. Zurich trademarks contained in the website are trademarks which belong to Zurich or companies within the Zurich Group. You may not use such trademarks without ZIGL’s prior written consent. Other products and company names reproduced on the website may be the trademarks of their respective owners.

ZIGL may create a link for you to access another website that it believes may be of interest to you. Such links are provided for your information only. If you access another website, ZIGL is not responsible to you for the content of that other website or any subsequent action you take.

This website provides pop up windows to display certain information to you. You should ensure that your browser settings enable you to receive pop up windows when using the website.

7. Security

ZIGL will take reasonable steps to ensure the information it holds about you on the website is secure. ZIGL will process your personal information in line with its privacy policy. By accepting these terms of use, you agree that ZIGL can use your personal information (including any information obtained by cookies) as set out in the privacy policy.

Whilst ZIGL is committed to making sure it protects your privacy, the internet or messages sent by email over the internet cannot be guaranteed to be a secure medium of communication as they are subject to possible interception, loss or change. Accordingly, ZIGL cannot guarantee the security of any information transmitted via the internet or sent by email over the internet. ZIGL is not responsible for the accuracy of messages sent by email over the internet by you to it. ZIGL is not responsible for any damages, you, or others, may suffer as a result of the loss of confidentiality of such information, except where the loss of confidentiality is caused by ZIGL’s negligence or fraudulent activity.

The website software encrypts all information you enter on the website which helps protect your data as it travels over the internet. To be confident that your data will be safe, ZIGL recommends you use an internet browser which supports standard 2048 bit encryption.

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

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

Your communications with ZIGL may be monitored or recorded to improve the services provided through this website and for security, legal and regulatory purposes.

8. Your responsibilities

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

  • tell ZIGL as soon as possible if any of the information it holds about you is wrong or changes
  • provide ZIGL with, and keep a valid email address that you regularly access so that ZIGL may communicate with you about its and other Zurich Group company services and offers, and plans you hold with other Zurich Group companies, where you have agreed to this
  • send communications in English
  • take reasonable steps to ensure that any computer you use to access the website is secure and free from malicious software and that you use appropriate virus checking software
  • keep secret any security details including passwords as well as documents about your access to the website and its content
  • let ZIGL know as soon as possible if you know or suspect that someone else has access to your login ID and password, or if you know or suspect that you have become a victim of identity theft
  • make yourself aware of any limitations and restrictions of use of the pages on this website
  • read carefully any information on each of the pages
  • where required by websites you access through this website, read and comply with any terms and conditions of the other sites
  • not upload or post to or from the website or any service on the website, any content that is defamatory, obscene, indecent, offensive, threatening, pornographic, discriminatory, likely to cause racial hatred, scandalous, blasphemous, contains bad language, inflammatory, in breach of confidence or privacy, content that could be contrary to the law or infringes the intellectual property of any third party, or which is technically harmful for example worms, Trojan horses, malicious software or harmful data, or in appropriate content. ZIGL and other Zurich Group companies will cooperate with any regulatory and/or law enforcement body where you have not complied with this clause, or where you have misused the webchat service
  • not share your password information on or through the website
  • use the website for lawful purposes and not misuse any service provided through the website
  • take full responsibility for all contents, phrases and postings to the webchat service.

In addition, you consent to:

  • receive communications from ZIGL and Zurich Group companies electronically rather than in a paper medium
  • ZIGL passing communications, instructions and other relevant information connected to the services provided on the website on your behalf to other Zurich Group companies
  • ZIGL receiving communications, instructions and other relevant information connected to the services provided on the website from other Zurich Group companies and placing them in the secure mailbox provided for you on the website.

If you share a computer with someone else or use a public computer, you must log-out when you have finished using the secure part of the website to ensure any information you typed in is erased from the computer’s memory.

9. Our responsibilities

ZIGL classify you as a retail client under FCA rules. This means you’ll receive protection for complaints and compensation and receive information in a straightforward way.

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

All communications we send to you will be in English.

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

ZIGL will act on your instructions, or instructions that ZIGL reasonably believe have come from you following our usual verification processes. If those instructions are unclear or conflict, or cannot be verified as coming from you, ZIGL will seek clarification before it acts on them.

ZIGL will inform you by email that you have a communication, instruction or other relevant information in your secure mailbox.

ZIGL and Zurich Group companies will use any content (including data, images, texts, sounds and anything else in the body of the webchat) that you upload and/or post to webchat in any manner including to copy, distribute, disclose, incorporate and otherwise use for commercial and non-commercial purposes.

ZIGL may be unable to perform its obligations under these terms of use where events occur that are beyond its 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 ZIGL’s misconduct
  • any change in market conditions affecting the execution or settlement of transactions in respect of your product
  • 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 ZIGL is unable, using reasonable skill and care, to avoid.

Where one of the above events occurs beyond ZIGL’s reasonable control and you are being, have been, or are likely to be disadvantaged as a result, ZIGL will let you know as soon as it can, whenever possible.

10. Liability

ZIGL will not be liable to you for any losses you may incur if you breach these terms of use including any losses you may incur from your failure to keep your login ID and password secret or your failure to take reasonable security precautions or where we have disabled your access to the website as a result of your failure to keep your password secret.

If ZIGL informs you that you are using an out of date browser and you do not follow this instruction, ZIGL will not be liable for any loss incurred if you are unable to view the information.

ZIGL will take reasonable steps to ensure the website is available for you to use 24 hours every day and will minimise the time the website is unavailable for use due to planned maintenance, repairs or to update or upgrade the contents or functionality on the website.

ZIGL will not be liable to you for any losses you may incur if you cannot access the website properly due to faults with your hardware, software, internet connection or telecommunication services.

ZIGL will not be liable to you for any losses you may incur where it has suspended or removed the webchat service to you due to you infringing these terms of use.

While ZIGL has taken reasonable steps to ensure the accuracy, correctness and completeness of the information contained on the website, it makes no warranty or representation to this effect, whether express or implied.

ZIGL gives no assurances about the accuracy, functionality or performance of any third party software that may be used in connection with the website.

ZIGL does not accept liability for issues that arise from you using a computer, such as viruses and it will not be liable to you for any resulting loss.

ZIGL will not be liable nor accept any responsibility for any loss or damage caused as a result of you downloading any material posted on this website or a website linked to it.

ZIGL is not responsible for any losses you incur in using any third party websites provided to you through links from the website.

ZIGL is not liable for any losses you incur because of your fraudulent activity or negligence. ZIGL will not be liable nor accept any responsibility for any loss or damage caused as a result of you obtaining personalised advice or recommendations from Zurich Advice Solutions (UK) Limited’s financial advisers, or by any other regulated financial adviser.

Nothing in these terms of use is intended to (i) exclude ZIGL’s liability for death, personal injury, fraud, fraudulent misrepresentation or any other matter that cannot be excluded or limited by law, or (ii) exclude or limit our duties and liabilities to you under the Financial Services and Markets Act 2000 (or any successor legislation) and rules of the FCA (or any successor regulator).

11. Conflicts of interest

ZIGL makes every effort to avoid conflicts of interest. A conflict of interest is where the interests of ZIGL’s business conflict with those of a customer, or if there is a conflict between customers of the business.

ZIGL has processes in place to ensure it conducts its business lawfully, with integrity and in line with current legislation. ZIGL operates in line with its conflicts of interest policy, available on request, which details the types of conflicts of interest that affect its business and how it manages these. If they arise it will fully disclose them in line with its policy.

12. Miscellaneous

If a competent authority finds any part of these terms of use invalid, unlawful or unenforceable to any extent, ZIGL 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.

No act, omission or delay by ZIGL shall be a waiver of our rights or remedies under these terms of use unless otherwise agreed in writing by ZIGL.

ZIGL may assign its rights and obligations under these terms of use and upon such assignment, ZIGL may be relieved of any further obligation to you under them.

In the event of any conflict of wording in any terms of use or legal notices elsewhere on this website, the wording in these terms of use will apply over any conflicting wording in the other terms of use and legal notices.

13. Complaints

If you need to complain, please see ‘Contact Us’ in section 16.

Further details of how you can complain and how ZIGL deals with your complaint are available in the ‘Contact Us’ section of the website. If you’re not satisfied with our response, you can complain to the Financial Ombudsman Service:

Website: www.financial-ombudsman.org.uk

Email: complaint.info@financial-ombudsman.org.uk

Phone: 0800 023 4567 or 0300 123 9123

Write to: Financial Ombudsman Service

Exchange Tower

Harbour Exchange Square

London  E14 9SR

The complaints service provided by the Financial Ombudsman Service is free and using it will not affect your legal rights.

14. Financial Services Compensation Scheme

If ZIGL cannot meet its financial obligations to you, you may be able to claim compensation from the Financial Services Compensation Scheme (FSCS).

The compensation you may receive will be based on the FSCS rules, and whether you are eligible to make a claim.

If you need more information, you can phone the FSCS helpline on 0800 678 1100 or 020 7741 4700, write to the address below or visit the website www.fscs.org.uk

Financial Services Compensation Scheme

10th Floor

Beaufort House

15 St Botolph Street

London

EC3A 7QU

15. Law

These terms of use are subject to English law and the exclusive jurisdiction of the English courts.

16. Contact us

Please contact us by email or by telephone:

Email: FutureYou@uk.zurich.com

Phone: 0800 5879040

Monday to Friday - 8am – 5.30pm (excluding bank holidays).

We may record or monitor calls to improve our service, for training purposes, or for security, legal or regulatory purposes.