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.
These terms and conditions
were last updated on 04 January 2023.
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.
General
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 Way, 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 those links.
Availability
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.
Information
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.
Security
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 customerservices@phoenixwealth.co.uk 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 section.
Liability
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 Wealth.
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.
Copyright and other
Intellectual Property Rights
The Phoenix Wealth name and
logo is a registered trademark of 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 accompanying text.
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 terms of use, your right to
use our site will cease immediately and you must, 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 website.
Phoenix Wealth’s status (and
that of any identified contributors) must always be acknowledged as the authors
of material on this website.
Data Protection and Privacy
Phoenix Life Limited (trading as
Phoenix Wealth) is registered as a data controller in accordance with the UK Data
Protection Act 2018 with registration no. Z5883709.
Any personal information you
supply to Phoenix Wealth via this website will be treated in accordance with
the UK Data Protection Act 2018.
Details about the way we process information about you are set out in the Phoenix Group's Privacy hub. 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.
Information regarding the use
of cookies is available on the cookie policy link.
Applicable Law
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.
Logged in areas
Our website provides you with
access to a range of tools and services. For some of these services you will be
requested to accept additional terms and conditions. For the purpose of this
section, the following definitions shall apply:
“Certification Authority”
means a reputable organisation which will undertake due diligence and
verification on the adviser and/or his computer to ensure they meet the
organisation’s verification standards. The adviser must also enter into annual
renewable contracts with the Certification Authority before being issued with a
Digital Certificate.
“Digital Certificate” means a
computer file issued by a Certification Authority containing identity
information on the holder of the certificate.
“Digital Certificate
Revocation List” means an electronic list referenced by Phoenix Wealth, which
will automatically check all advisers who request access to ensure they hold a
current Digital Certificate.
“OSIS” means Origo Secure
Internet Services Limited, whose registered office is at 7 Lochside View,
Edinburgh Park, Edinburgh, EH12 9DH, Company No. SC201466.
“OSIS Individual Certificate”
means a Digital Certificate where the Certification Authority is OSIS and is
used for the Phoenix Wealth eServices.
If the adviser wishes to use
the Unipass login to access the adviser site tools, then Phoenix Wealth will
only release material under the following circumstances:
- The adviser has entered into a contract with OSIS;
- The adviser holds a current OSIS Individual
Certificate;
- The adviser’s Digital Certificate is verified
against the Digital Certificate Revocation List;
- Phoenix Wealth accepts no responsibility for the
authenticity of the Digital Certificate.
The adviser shall pay the
costs and expenses incurred by it in obtaining and renewing its Digital
Certificates.