Terms and Conditions

Last updated: 11th April 2012

Legal Information, Disclaimer and Copyright

Please read these terms and conditions carefully before using this website. Zurich Life Assurance plc (Zurich Life) reserves the right, at its sole discretion, to change, modify or remove part of this legal notice at any time. Please check this page periodically for changes.

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Disclaimer

The material and information in this site and in the sites of other entities of the Zurich Life Group are provided "as is" and without warranties of any kind, either expressed or implied. Zurich Life and its subsidiaries and affiliates disclaim all warranties, including but not limited to, implied warranties of merchantability and fitness for a particular purpose. Zurich Life does not represent or warrant that any of the information presented on its web pages, this website or on the internet generally, will be uninterrupted or error free, that defects will be corrected, or that this website or the server from which it is accessed are free from viruses, worms, trojan horses or other harmful components.

In no event shall Zurich Life be liable for any cost or direct, indirect, special, incidental or consequential damages arising out of or in connection with the use of, or the inability to use this website. It is your responsibility to evaluate the accuracy, completeness and usefulness of any opinions, advice, services or other information provided. All information contained on any page set up by an entity of Zurich Life is distributed with the understanding that the authors, publishers and distributors are not rendering legal, accounting or other professional advice or opinions on specific facts or matters and accordingly assume no liability whatsoever in connection with its use. Consult your own legal or tax advisor with respect to your personal situation.

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Intellectual Property

Unless otherwise noted, the graphic images, button, layout, and text contained in this website and in the sites of other Zurich Life Group companies or their related, affiliated and subsidiary companies are the exclusive property of Zurich Life and/or its related, affiliated and subsidiary companies or used with permission and may not be copied or distributed, in whole or in part, without the express written consent of Zurich Life or its related, affiliated and subsidiary companies. Permission is granted to print copies of this document, and to display and use this document with a computer solely for personal use.

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Hyperlinks

Zurich Life and its related, affiliated and subsidiary companies can not guarantee that the hyperlinks, pointer or other linking functions ("Hyperlink") set out on the sites will be accurate at the time of your access. Moreover, the sites pointed at by Hyperlinks are developed and possibly maintained by persons over whom Zurich Life or its related, affiliated and subsidiary companies have no control. We cannot and do not monitor the sites linked to our pages on the Internet. Accordingly, Zurich Life and/or its related, affiliated and subsidiary companies assume no responsibility for the content of any sites referenced to by any Hyperlink or otherwise. Zurich Life and/or its related, affiliated and subsidiary companies believe that their making Hyperlinks available to publicly accessible web pages and newsgroups is legally permissible and consistent with the common, customary expectations of those who make use of the Internet. Some pages on this site contain hypertext links to websites not maintained by Zurich Life. You are reminded that when you enter other websites via hypertext links you will not be subject to these terms and conditions and you will not benefit from the protection afforded to you by using this site. You may not provide hyperlinks to this website without the prior written consent of Zurich Life.

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Data Protection

Zurich Life and/or its related, affiliated and subsidiary companies are committed to respecting the privacy of your personal information and considering current technology, has taken all reasonable measures to do so. Zurich Life and/or its related, affiliated and subsidiary companies are not obligated to monitor any transmission made through the respective web pages and newsgroups. However, Zurich Life and/or its related, affiliated and subsidiary companies have the right, but not the obligation, to monitor any transmission made to and for this website. Zurich Life and/or its related, affiliated and subsidiary companies may reproduce, use, distribute or disclose information transmitted to this site or collected through the use of this website. You acknowledge that such information shall be deemed to be non-confidential and that your communication may be read or intercepted by others. You acknowledge that no obligation of any kind shall be attached to such information and that by transmitting information, no confidential, contractually implied or other relationship is created between you and Zurich Life and/or its related, affiliated and subsidiary companies.

The user accepts that any transmission of mail via the Internet may be subject to interference from third parties or incorrectly delivered and therefore may not continue to remain as confidential. Therefore, Zurich Life cannot guarantee the privacy or confidentiality of any information, whether or not relating to the User, passing over the Internet. Zurich Life is not responsible for any loss or damage that could result from interception by third parties of any information made available by you via this site.

The information that you provide via the website to Zurich Life and/or its related, affiliated and subsidiary companies will be held by Zurich Life and/or its related, affiliated and subsidiary companies and is not made available to any organisation except as required by law. From time to time we may send you details of other products and services available from the Zurich Life Group. If you would prefer not to receive details of such offers, please advise us.

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Software Quality

Zurich Life and/or its related, affiliated and subsidiary companies do not warrant that any information, software or other material accessible through one of their web pages is free of viruses, worms, trojan horses or other harmful components. Zurich Life and/or its related, affiliated and subsidiary companies assumes no responsibility and shall not be liable for any, direct, indirect, incidental or consequential damages that result from the use, access to, browsing in or downloading of any information, data, text, images or other material accessible through one of its web pages, this website or the website of any linked third parties.

This website must be viewed using a JavaScript enabled browser.

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User Conduct

When accessing or making use of any service provided on the web pages you may not:

  • post or transmit any unlawful, threatening, abusive, libellous, defamatory, obscene, pornographic, profane or otherwise objectionable information of any kind, including 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;
  • post or transmit any information or software which contains a virus, worm, trojan horse or other harmful components; restrict or inhibit any other user from using the website;
  • post, publish, transmit, reproduce, distribute or exploit any information, software or other material obtained through our web pages for commercial purposes other than expressly permitted.

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Legal and Technical Information

Information contained herein does not constitute an offer or solicitation of investment services or constitute an offer to buy or sell any products of the company or its subsidiaries or associated companies in any jurisdiction in which such distribution or offer is not authorised or which are not available for distribution in the jurisdiction of the reader of this information. If you are in any doubt as to whether this site can be accessed by you, please do not proceed any further.

Information appearing on the pages of this website is provided in accordance with and subject to the laws of the Republic of Ireland and you are hereby advised that by the virtue of your browsing or accessing these pages you have accepted the laws of the Republic of Ireland as the law governing the conduct and operation of this website. The courts of the Republic of Ireland shall have exclusive jurisdiction over all claims or disputes arising in relation to, out of, or in connection with the website and its use and not necessarily any transaction arising therefrom.

The information provided in the pages of the website is subject to change and update from time to time. Every time you access web pages of Zurich Life and/or its related, affiliated and subsidiary companies, make sure that you check this page. It is important to note that Zurich Life does not take any responsibility for the accuracy of the information provided and the use of such information is at the User's sole risk. Zurich Life accepts no responsibility for loss occasioned to any User acting or refraining from action as a result of any material in this website.

The use of the website is at the User's sole risk. Zurich Life accepts no responsibility for loss occasioned to any User acting or refraining from action as a result of any material in this website.

Zurich Life reserves the right to reject any application prior to the issue of the Policy Document. Although the premium is due when you apply for the policy, this does not signify acceptance of your application.

The information contained in this website and any related documentation is based on our understanding of current Irish legislation. The tax and legislative information contained in this website is based on Zurich Life' s current understanding of tax law and practice which may change in the future. Zurich Life recommends that you seek your own professional advice.

Details of some of Zurich Life's policies are available on this site. You must read these together with the relevant literature before you complete an application.

These pages are updated and modified from time to time. Every time you access web pages of Zurich Life and/or its related, affiliated and subsidiary companies, make sure that you check this page.

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International Business - Zurich Life

Some of Zurich Life's policies are available to non residents of the Republic of Ireland. If you intend to purchase one of these policies, it is your responsibility to ensure that you are not in breach of any rules and regulations that may be in place in your country of residence. Any opinions contained herein are given in good faith but are subject to change without notice. Zurich Life proposes that your policy shall be subject to the laws of the Republic of Ireland. Full details are contained in the policy documents which are available on request.

UK residents should note that policies issued by Zurich Life will not be protected by the UK's Policyholders Protection Act 1975 if the company should become unable to meet its liabilities to them and they are not covered by the UK Investors Compensation Scheme or any protections under the Financial Services Act 1986. Zurich Life may be required to provide details of any gains/surrenders on such policies to the UK Inland Revenue.

Zurich Life Assurance plc is registered and incorporated in the Republic of Ireland under number 58098 and is regulated by the Central Bank of Ireland. The registered office address is Zurich Life Assurance plc, Zurich House, Frascati Road, Blackrock, Co.Dublin, Ireland.

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