Important legal notice
These are the terms and conditions which apply to your use of this website.
Use of our site includes accessing, browsing, or registering to use our site.
Any reference in these terms and conditions to this website shall include
password-protected services available through this website. Please read them
carefully before you start to use this site. By proceeding with access to this
website you are deemed to have accepted these terms and conditions and that you
agree to comply with them. If you do not agree with these terms and conditions,
then please refrain from using this website.
Phoenix Wealth reserves the right at its discretion to amend,
update, modify or replace these terms and conditions at any time without
notice. Any such amendment, update, modification or replacement shall be
effective once the revised terms and conditions have been posted on this
website. You are responsible for checking the terms and conditions of this
website each time you use this website as you are bound by these terms and conditions
and your use of this website indicates your acceptance of the terms and
conditions applicable at the time you access the website.
Please note that this website is intended for use by residents of the United
Kingdom whilst in the United Kingdom only. It is not applicable to residents/
investors in other countries because the law in other countries may restrict
the distribution of the information and products on this website.
For the avoidance of doubt none of the information on this website
constitutes an offer to contract in any country in which it is accessed,
including (without limitation), the United Kingdom.
This website is provided by Phoenix Life Limited (trading as Phoenix Wealth) a
company registered in England (Company no. 01225468) and limited by shares. Its
registered office is 1 Wythall Green Way, Wythall, Birmingham, B47 6WG.
In these terms and conditions, references to Phoenix Wealth are to Phoenix Wealth Services Limited (Company no. 02238458) and Phoenix Life Limited (Company
no. 01225468). Both companies are registered in England and limited by shares.
Their registered office is 1 Wythall Green Lane, Wythall, Birmingham B47 6WG.
Phoenix Wealth Services Limited is authorised and regulated by the Financial
Conduct Authority. Phoenix Life Limited is authorised by the Prudential
Regulation Authority and regulated by the Financial Conduct Authority and
Prudential Regulation Authority. Details of the companies offering specific
products are shown in the product literature.
You can contact Phoenix
Wealth using the details on our Contact us page. As part of our commitment
to quality service and security, telephone calls may be recorded.
In these terms and conditions, references to Phoenix Group are to Pearl Life
Holdings Limited and its subsidiary companies, any holding company of Pearl
Life Holdings Limited and any subsidiary companies of such holding company, as
such terms are defined in section 1159 of the Companies Act 2006.
This website may also contain hypertext links to websites operated by third
parties. The responsibility for those websites belongs to the third parties who
are identified as operating those websites. Separate terms and conditions will
also apply to those websites and you are encouraged to read those if you access
Phoenix Wealth will endeavour to ensure that this website, including any
password-protected services, is accessible for 24 hours a day but will not be
liable if, for any reason, the website, including any password-protected
services, is unavailable at any time or for any period. Phoenix Wealth will
have the right to suspend access to this website, including any
password-protected services, temporarily or permanently and without notice.
Phoenix Wealth will not be liable for any losses, damages, liabilities or
costs of any kind (whether direct, indirect or consequential) arising in
contract, tort, negligence or otherwise, if this website, including any
password-protected services, is unavailable or is suspended for any reason.
The information contained on this website, including any information
available through password-protected services, is provided for information
purposes only and shall not be construed or interpreted to be providing you
with financial advice or other professional advice.
Phoenix Wealth will use reasonable care and skill to ensure that the
information contained on this website is accurate at the date of publication.
However, because of the nature of the internet, there may be circumstances in
which errors occur within the information. Consequently Phoenix Wealth makes no
warranty as to the accuracy, suitability or completeness of any information on
this website, including any information available through password-protected
services, and cannot accept liability for any errors or omissions within it.
Phoenix Wealth will take all reasonable steps to ensure that any information
you provide via email on this website is kept secure, but please remember that,
because of the nature of the internet, the security of emails cannot be guaranteed.
Consequently your privacy cannot be guaranteed. There is no guarantee that any
emails sent will be received by Phoenix Wealth.
If you have registered any password-protected services available through
this website, you agree to keep your password secret and treat such information
as confidential. You agree to notify Phoenix Wealth immediately at firstname.lastname@example.org
if you suspect any unauthorised use of your password or account. You are
solely responsible for the use of your account.
Additional information on how to be more secure is available in the Security
Phoenix Wealth accepts no responsibility for the content of or your use of
any website which is accessed via a hypertext link from this website, except
where responsibility is accepted by Phoenix Wealth expressly within the terms
and conditions applying to any such website which is provided for or by Phoenix
Phoenix Wealth cannot warrant that this website is free of viruses or
technical defects of any description, and accepts no responsibility for any
technical problems arising from your use of the website. You are responsible
for configuring your information technology, computer programmes and platform in
order to access our site. You should use your own virus protection software.
Phoenix Wealth shall not be liable for any losses, damages, liabilities or
costs of any kind (whether direct, indirect or consequential and whether
arising in contract, tort, negligence or otherwise) arising from your use of,
reliance upon or inability to use this website or any information contained on
this website (including any password-protected services), including without
limitation any loss of use, loss of profits, loss of anticipated savings or
loss of data.
Nothing in these terms and conditions shall limit or exclude Phoenix Wealth’s
liability for death or personal injury resulting from its negligence or other
breach of duty or for any other matter in respect of which liability cannot by
applicable law be limited or excluded. For the avoidance of doubt, Phoenix Wealth
does not exclude its duties or liabilities under the Financial Services and
Markets Act 2000.
The Phoenix Wealth name and logo is a registered trademark of the Phoenix
Group which claims rights in the name and logo. Phoenix Wealth and/or other Phoenix
Group companies (or its or their licensors) owns the copyright and all other
intellectual property rights existing on or published within this website.
Unless otherwise expressly permitted, you are not permitted to download,
print, redistribute or extract any information from this website other than for
your personal, non-commercial use and not for any purpose that damages the
reputation of any Phoenix Group company or takes advantage of it.
You are not permitted to reproduce, modify or in any way change any of the
information available on this website.
You must not modify the paper or digital copies of any materials you have
printed off or downloaded in any way and you must not use any illustrations,
photographs, video or audio sequences or any graphics separately from any
You must not use any part of the content on our site for commercial purposes
without obtaining a licence to do so from us or our licensors.
If you print off, copy or download any part of our site in breach of these
at our option, return or destroy any copies of the materials you have made.
You may link to this website, provided you do so in a way that is fair and
legal and does not damage any Phoenix Group company’s reputation or take
advantage of it, but you must not establish a link in such a way as to suggest
any form of association, approval or endorsement on the part of any Phoenix Group
company where none exists. Phoenix Wealth reserves the right to withdraw this
linking permission without notice. This website must not be framed on any other
Phoenix Wealth’s status (and that of any identified contributors) must
always be acknowledged as the authors of material on this website.
Phoenix Life Limited (trading as Phoenix Wealth) is registered as a data
controller in accordance with the Data Protection Act 1998 with registration
Any personal information you supply to Phoenix Wealth via this website will
be treated in accordance with the Data Protection Act 1998.
Details about the way Phoenix Wealth processes information about you are set
out in its Privacy Statement. By using
this website, you consent to such processing and confirm that all data provided
by you is accurate. If there are any changes to the data you have provided, it
is your responsibility to update such data.
By accessing this website you agree that these terms and conditions shall be
subject to English law and the Courts of England and Wales shall have exclusive
jurisdiction over all claims or disputes arising in relation to, out of or in
connection with them.