Terms of use

These terms of use cover your use of this website.

The content of this website is intended for use only by residents of those jurisdictions to which it is expressed to relate. None of the services or products referred to is available to persons resident in any state or territory where such products or services are prohibited by local law or regulation. Please check with your professional financial adviser as to whether such products are available in the country in which you are resident.

All products and services provided by Friends Provident International have their own terms and conditions (Product Terms and Conditions). You should read both the Product Terms and Conditions and these terms of use. To the extent that the Product Terms and Conditions conflict with these terms of use then the Product Terms and Conditions will prevail.

Exclusion of liability

Some of the content of this website is provided for general information purposes only and any opinion expressed in this website does not constitute an offer to provide any product or service except where it is expressly indicated. Although care has been taken to ensure the accuracy of content, Friends Provident International accept no liability for loss of any kind incurred as a result of reliance on the information or opinions provided on this website.

Friends Provident International will not accept any liability for any loss or damage you may incur in connection with your use of this website which is caused by any event where the cause is beyond our reasonable control; or any indirect loss or damage you suffer or incur as a result of your use of this website (including loss of business, or loss of profit or revenue) which was not foreseeable to us at the time when you used the website. However, nothing in these terms of use shall exclude or limit our liability for death or personal injury caused by our negligence or for our fraud or fraudulent misrepresentation.

Whilst Friends Provident International will take all reasonable steps to ensure that the website is always accessible Friends Provident International does not warrant that the website will be available, that access will be uninterrupted, that there will be no delays or failures in the website or that no viruses will be transmitted to your computer or other hardware used to access the website. Friends Provident International accepts no liability for any losses due to the website being unavailable at any time. Friends Provident International may have to suspend access to the website to update the website and to carry out maintenance. Also the website may be unavailable due to circumstances beyond Friends Provident International’s reasonable control.

We have also included links to third party websites in this site for your convenience. By giving access to such websites, we are not making any statement, warranty or representation as to the quality or contents of the other site as we do not have responsibility for that other website. Please note that when accessing another website by way of a hypertext link you may leave the Friends Provident International website.

Friends Provident International does not seek to exclude or limit any liability they may have under the Financial Services and Markets Act 2000 or the rules of their Regulators.

Information transmitted to Friends Provident International through this website is not encrypted and could be intercepted by third parties or electronically delivered to parties other than the addressee. Any such information is sent at your own risk and you should therefore carefully consider its sensitivity prior to transmitting it.

Changes to the website

Friends Provident International may make changes to the information, products or services described in this website at any time without updating changes in the website.

Friends Provident International reserves the right from time to time to make changes or additions to these terms of use as are reasonably required to reflect:

  • changes to services relating to the website supplied to Friends Provident International by third parties which are outside of the control of Friends Provident International;
  • changes resulting from the introduction of new systems, services, and changes in technology outside of the control of Friends Provident International;
  • changes in circumstances or the happening of any event which is outside of the control of Friends Provident International and which makes it impossible, impracticable or economically unviable for Friends Provident International not to make a change to the terms of use, provided that any such change is not unfair to you; and
  • changes required to remedy obvious errors.

We recommend that you check this page regularly for any changes.

Governing law

This website is established in the Isle of Man. Friends Provident International and you have a free choice about the law that can apply to a contract. Friends Provident International are incorporated under Isle of Man law and, by accessing this website, you agree that the laws of the Isle of Man apply to these terms of use and the use by you of this website. The Isle of Man Courts shall have non-exclusive jurisdiction over any claim, dispute or difference which may arise out of, or in connection with, these terms of use and your use of the website.