Important Notes

General terms and conditions

Issued by Royal London 360 Insurance Company Limited. Incorporated in the Isle of Man with limited liability. Registered Office: Royal London House, Isle of Man Business Park, Cooil Road, Douglas, Isle of Man, IM2 2SP, British Isles. Telephone: +44 (0) 1624 681 681. Telephone calls may be recorded. Fax: +44 (0)1624 677 336 or Website: www.royallondon360.com. This website contains products that are not authorised in Hong Kong and are not available to Hong Kong investors. The appointed representative in Hong Kong is Royal London 360 Insurance Company Limited's Branch office: Royal London 360 Insurance Company Limited, Suite 3605, The Center, 99 Queen's Road Central, Hong Kong. Royal London 360 Insurance Company Limited is authorised by the Isle of Man Government Insurance and Pensions Authority. Registered in the Isle of Man Number 053002C and in Hong Kong Number F9136. A Member of the Association of International Life Offices.

Those sections and documents included in this website that are subject to United Kingdom financial regulation have been approved by Royal London Marketing Limited, a Royal London company which is authorised and regulated by the Financial Services Authority number 302391. Registered in England and Wales number 04414137. Registered Office: 55 Gracechurch Street, London, EC3V 0RL, United Kingdom.

This web site ("Site") is published by Royal London 360 Insurance Company Limited. It is provided for information purposes only and does not constitute an invitation to acquire an investment on the basis of information given here or elsewhere.

Your use of the Site is subject to the following terms and conditions ("Terms"). You must read these Terms carefully before using the Site, as by accessing any page on the Site you confirm that you have read and understood the Terms and you agree to be bound by them.

Royal London 360 Insurance Company Limited may amend the Terms from time to time.

The entire content of this Site was last reviewed in November 2009.

About the Site

The Site contains general information on the products and services of the Royal London 360 Insurance Company Limited (hereinafter referred to as "Company / we / us", unless otherwise stated. Nothing in these pages shall be deemed to constitute financial or other professional advice in any way. The Company takes all reasonable steps to ensure that the information on this web site is accurate and up to date. However, no liability can be accepted for any errors or omissions.

The Company does not and cannot give tax advice and cannot accept liability for any loss suffered by any person as a result of action taken. Tax legislation varies from country to country and as such, specialist tax and legal advice should be taken before any investment is made or tax strategy implemented.

The Hong Kong only sections of this website have been authorised by the Securities & Futures Commission in Hong Kong, pursuant to the Securities and Futures Ordinance. In giving this authorisation, the Commission has made no assessment of, nor does it take responsibility for, the financial soundness or merit of the scheme nor has it verified the accuracy or truthfulness of statements made, or opinions expressed, in the documentation. The scheme is governed by and shall be construed in accordance with the law of the Isle of Man but the parties involved have the right to bring legal action in a Hong Kong court.

The Hong Kong IFA Centre pages of this website are only intended for use by advisers who are members of the Hong Kong Confederation of Insurance Brokers or the Professional Insurance Brokers Association in relation to advice being given in Hong Kong.

The Hong Kong section of the Client Centre has been authorised by the Hong Kong Securities and Futures Commission. Such authorisation does not imply official approval or recommendation.

These pages do not purport to give investment advice and it is important that you do not rely upon their contents to make investment decisions. This Site should not be regarded as an offer or solicitation to sell investments in any jurisdiction.

The Company cannot accept any liability for any loss or damage arising as a consequence of any party relying on the content of this web site.

You should consult a financial adviser or other professional adviser if you require any financial or other professional advice.

Whilst we will try to keep the material on the Site up to date, we will not be liable to you or to any other party for the consequences of any delays, errors or omissions in doing so.

We reserve the right from time to time to alter any part of the Site including, without limitation, product information or information made available on the Site. We do not guarantee that the Site or the information on the Site will be available continuously and without interruption or fault and we may suspend or withdraw the Site at any time and for any reason.

We will process your personal data in accordance with our Privacy Policy.

Use of the Site

You may download the Site to a local hard disk for your personal use only. You may not reproduce all or part of the content of the Site without our prior written consent unless it is for personal use. No part of the content of the Site may be incorporated into or stored in any other web site, electronic retrieval system or other work in any form.

You may not publish, copy, distribute, modify, transmit, or reproduce in any form (whether in hard copy, electronic or other) or otherwise use the information and materials on the Site for any purposes other than those set out in the Terms.

You must not:

Use the Site for any illegal purpose or in any manner inconsistent with the Terms, or applicable law;
Interfere with the proper operation of the Site or take any action which is likely to cause the service provided by the Site to be interrupted or degraded; or
Attempt to gain unauthorised access to our computer system or that of any other user.

Products and services provided by third party suppliers

From time to time we may offer you access to products and services provided by third party suppliers at special rates. Whilst every care is taken in selecting the products, services and the suppliers, we make no warranties, representations or undertakings in respect of them, and we will not be liable or responsible to you for any costs, losses, claims or damages of any kind, whether direct, indirect, consequential, special or otherwise, arising from your taking advantage of any such product or service, and your sole remedy shall be against the third party supplier(s) in question.

Privacy Policy

This Privacy Policy sets out the data processing practices of The Royal London Group, including the Company in relation to the www.royallondon360.com web site ("Site"). This Privacy Policy may change and you should review it regularly.

What we will do with your information

We will obtain personal data from you when you contact us. Any personal details you provide will only be used for administration purposes, to respond to any enquiry, request for information or complaint, to provide any requested or relevant information and/or to contact you in connection with your request, query or complaint. We will keep your data for a reasonable period, even if you do not proceed to take out a product with us. By providing us with your personal details, you consent to the details being used for these purposes including any sensitive personal data such as health details that you provide.

We may collect information automatically about your visit to the Site. This information is used to monitor users' access and use of the Site, and allows us to gather broad demographic information, which will help us to regularly improve the Site. We may disclose aggregated information regarding demographics to third parties for reporting and analysis purposes. This information will be anonymous and will not contain information from which any individual can be identified.

We reserve the right to review the contents of any archives, data or code resident on our systems.

Information on third parties

Where you provide us with information about another person, you confirm that they have appointed you to act for them to consent to the processing of their personal data and that you have informed them of our identity and the purposes (as set out above) for which their personal data will be processed.

Data Protection Act - General

Any information you provide to us may be shared with other companies both inside and outside of the Royal London Group, including our reinsurers and financial intermediaries or agents acting on your behalf. It may be transferred outside the Isle of Man and we may be obliged to disclose it to our regulator and to others as demanded by law. The Isle of Man's Data Protection Act 2002 entitles you, on payment of a small fee, to obtain a copy of the information we hold on you. For further information please write to the Data Protection Officer at the registered office address shown below.

Data Protection Act - IFA Centre

We warrant that Personal Data has been collected and processed in accordance with the Isle of Man Data Protection Act 2002 and the processing of this data has been notified to the Data Protection Supervisor. It is your responsibility to ensure that in processing and disclosing this data you:

have in place appropriate technical and organisational measures against accidental or unlawful destruction or accidental loss, alteration, unauthorised disclosure or access and adequate security programs and procedures to ensure that unauthorised persons will not have access to the data processing equipment used to process the personal data, and that any persons it authorises to have access to the personal data will respect and maintain the confidentiality and security of the personal data;
have appropriate security measures, which reflect the nature of the personal data and the level of harm that might be suffered by a client as a result of unauthorised access or disclosure of personal data;
act only on the instructions of the Company;
comply with any changes in applicable laws. In the event you are unable to do so, you shall forthwith notify us and we will be entitled to terminate this agreement, unless the parties have agreed or forthwith agree to take such steps as shall enable you to comply;
will indemnify us for any costs, charges, damages, expenses or losses resulting from its breach of any of the provisions of these terms.

Security - Client Centre

The website operates from secure systems. Because you are accessing personal information, we have added extra layers of security for your added peace of mind.

In order to access your login we require three pieces of information from you to verify that you are authorised to view the details. Firstly a user ID is required, secondly a password is needed and finally a passcode. Only once all three parts of the data are confirmed as being correctly entered will we allow access to the system.

You can change your password and passcode at any time.

All our online transactional services are protected by ‘firewalls’. This technology monitors and prevents any unauthorised access to our back-end systems ensuring that ‘hackers’ cannot access any account/personal details.

Protecting yourself online

Below are some of the things that you can do to protect the security of your personal information online.

You should never disclose your login details to anyone. We may, however, ask you to confirm certain information from your personal details to identify you when you contact us.
Don't send plan details/personal details via Internet email. There is a risk that your email could be intercepted en route.
When logged into an online service, don't leave your computer unattended (for your safety you are automatically logged off after 20 minutes).
Close your browser session once you have logged off.
When accessing your account, be aware of other people around you, e.g. in public places such as Internet cafés, or at work.

Intellectual property

All intellectual property rights in materials in or on the Site including, without limitation, the Site layout, designs, text, images, graphics and any underlying databases remain the property of the Company, no rights will pass to you. You agree not to alter or remove any copyright notice, trade mark or any other proprietary rights notice or mark from any of the material or information contained within the Site.

Cookies

We collect information automatically about your visit to the Site using cookies. We do not intend to analyse this information to identify your particular Site visit details. Monitoring users' access and use of the Site allows us to gather and analyse broad aggregate information on Site performance for internal reporting purposes.

'Cookies' are text files, which are sent to your computer or other access device when you access a web site. Information about you is stored in the cookies, which can be accessed whenever you visit that web site. You can delete any cookies that are already on your computer and set your browser to refuse cookies.

Please refer to your browser instructions or ‘help screen’ to learn more about these functions but note that by deleting cookies or disabling future cookies, you will not be able to take full advantage of all the functionality of the Site.

More information on cookies can be found at http://www.aboutcookies.org.

Links to other web sites

We provide hypertext links to third party internet sites through the Site and we may display advertisements from third parties on the Site. These sites are not covered by our Privacy Policy and we are not responsible for the content or privacy policies of these sites and third party advertisers, nor for the way in which information about their users is treated. In particular, unless expressly stated, we are not agents for these sites or advertisers nor are we authorised to make representations on their behalf. We would advise you to look at the privacy statement applicable to each site.

We have no control over the third party internet sites that you can access by hypertext link through the Site. These sites are not covered by our Terms and we are not responsible for the content nor the way in which information about their users is treated. By providing a link, we are not endorsing or indicating our approval of the content of that web site nor are we authorising you to access and use any information held on that web site.

We make no warranties, representations or undertakings about and take no liability whatsoever (including, but not limited to, liability arising out of any allegation that the content of any other web site is misleading, inaccurate, defamatory or otherwise infringes any law or the rights of any person or entity) for any other web site referred to on, or accessed through, this Site.

Your liability

You will indemnify us and keep each member of the Royal London Group indemnified against any and all claims, damages, losses, liabilities and costs arising from and in connection with your use and/or abuse of the Site or your breach of these Terms.

Disclaimer/our liability

Whilst we will deliver our service with reasonable skill and care, the information contained within the Site has been compiled in good faith; all warranties, representations and undertakings, whether express or implied, statutory or otherwise, including but not limited to warranties of satisfactory quality, accuracy, fitness for a particular purpose and of non-infringement of the rights of a third party, are hereby excluded to the fullest extent permitted by law.

To the extent permitted by applicable law, we make no warranties, representations or undertakings that the Site or any material on the Site will be free from viruses or other defects. We recommend that you take your own precautions to ensure that whatever you select for use from this Site is free from computer viruses or other defects.

We will not be liable or responsible to you for costs, losses, claims or damages of any kind, whether direct, indirect, consequential, special or otherwise, arising out of your access to, or use of, the Site nor your downloading and use of, or reliance upon, information provided on or through the Site.

Links to Company web sites

Anyone linking to this or any other Company web site must obtain written permission from us before doing so.

Jurisdiction

This website is governed by Isle of Man law and any dispute or action arising out of the use of this site shall be determined in accordance with such laws but you may have the right to bring legal action in a Hong Kong court as well as any relevant court elsewhere.

Important information

The returns from the Royal London 360 Insurance Company Limited capital-protected funds are directly linked to contracts arranged with some of the world's major financial institutions. The capital protection and potential returns offered are not provided by the Royal London 360 Insurance Company Limited, and depend on the ability of these financial institutions to meet their obligations. If these financial institutions were to default on their contracts with Royal London 360 Insurance Company Limited, then investors' capital may be at risk.

Holders of policies issued by us will not be protected by the Financial Services Compensation Scheme established under the UK Financial Services and Markets Act 2000 if we should be unable to meet our liabilities to them.

Owners of policies issued by Royal London 360 Insurance Company Limited receive the protection of the Isle of Man's Life Assurance (Compensation of Policyholders) Regulations 1991 for up to 90% of our liability to them in the event that we are unable to meet our liabilities. We reserve the right to adjust the returns to cater for any levy or charge made on us under these regulations or similar legislation.

The information contained in this web site is based on the Company’s current interpretation of UK tax legislation and HMRC practices.

As the Company is subject to Manx (Isle of Man) taxation laws, any growth earned on your client's portfolio is added tax-free.

The rates of and reliefs from taxation may change in the future and the actual tax due will depend on the personal circumstances of the investor(s).

Please remember that tax legislation varies from country to country.

The value of investments can fall as well as rise and is not guaranteed.

The FTSE 100, S&P 500, Nasdaq-100, Nikkei 225 and Dow Jones EURO STOXX 50 stock market indices measure capital performance only and include no allowance for dividend payments from their constituent shares.

Past performance may not be repeated therefore it must not be used as a guide to future performance.

Royal London 360 Insurance Company Limited is not responsible for, and will not compensate Policyholders in relation to, the performance of their underlying funds.

A full description of the charges and how they might affect the value of a portfolio can be found in the key features document for each product.

For more information, investors are reminded that the Company only deals through financial advisers. Financial advisers should contact Sales support using the contact details on the Site.

If you have any questions concerning these Terms and Conditions please contact us using the contact details on the Site.