Terms and conditions for registration and use

The site(s), the app and the services, are provided by members of the the Phoenix Group.

Before accessing the site(s), and the services, you must first accept these terms.

Before accepting these terms, you should read them carefully. If you do not understand any point or if you have any questions contact us (see section 18 for how to contact us).

By clicking your acceptance where indicated below, you are confirming:

  • that you accept and agree to be bound by these terms; and to any changes to these terms permitted under section 15; and
  • if you are accepting these terms on behalf of a corporate entity, that you have authority to accept and agree to these terms on behalf of the corporate entity.

The relationship between you and us regarding your use of the site(s), the app and the services will be governed by:

  • the  terms  contained in this document;
  • any  information  (including, but not limited to, warnings and disclaimers);
  • the  Legal Information  notice governing your use of www.standardlife.ie.

Your policy will continue to be governed by the policy terms.
You should save or print a copy of these terms and keep this for future reference purposes.

1. Definitions used in these terms

1.1 Words which are in bold type in these terms have a specific meaning, as set out in this section:

Business day means any day except for Saturdays, Sundays and public holidays in Ireland.

Cookie means a small text file, saved to the hard drive of your computer which provide us with information about how often someone visits our site, and what they do during their visit. Cookies do not themselves contain any personally identifying information but if you provide information to us, it may be linked to the data stored in the cookie.

corporate entity includes a limited company, a sole trader, a partnership or limited liability partnership, a club, a society, a recognised or registered charity, and any other entity which has its own legal identity that is distinct from the individuals that work for it.

denial-of-service attack means an attempt to make a computer resource unavailable to its intended users.

information means any and all information contained on the site(s) being registered for or provided as part of the services.

Ireland means the Republic of Ireland.

password means the password chosen by you during registration (or any subsequent reset) that, together with the username, enables individual access to the site(s) and the services.

Phoenix Group means Phoenix Group Holdings plc (registered number 11606773) having  its registered address at Juxon House, 100 St Paul’s Churchyard, London EC4M 8BU, together with its subsidiaries, subsidiary undertakings and associated companies (whether direct or indirect) from time to time and a member of the Phoenix Group shall mean Phoenix Group Holdings plc or any of its subsidiaries, subsidiary undertakings or associated companies (whether direct or indirect) from time to time. Standard Life International dac is a member of the Phoenix Group. Standard Life International dac is registered in Dublin, Ireland (408507) at 90 St Stephen’s Green, Dublin 2.

 policy(s) means any policy or policies offered by a member of the Phoenix Group which you can access via the site(s).

policy terms means the full terms and conditions and/or policy provisions that apply to each policy and which are made available to you when you purchase any policy, together with any related documentation made available to you from time to time.

registration form means the registration form completed by you as part of the registration process to enable you to use the site(s), and the services.

services means the provision of on-line services through the site(s).

site(s) means the secure services and/or extranets which are provided by us and which are accessed through www.standardlife.ie/login and other services and/or extranets that we may notify you of from time to time.

Standard Life Aberdeen Group means Standard Life Aberdeen plc which is registered in Scotland (company number SC286832) with its registered office at Standard Life House, 30 Lothian Road, Edinburgh, EH1 2DH, together with its subsidiaries, subsidiary undertakings and associated companies (whether direct or indirect) from time to time and a member of Standard Life Aberdeen Group shall mean Standard Life Aberdeen plc or any of its subsidiaries, subsidiary undertakings or associated companies (whether direct or indirect) from time to time.

terms means the terms and conditions contained in this document.

username means the username chosen by you during registration (or any subsequent resets) that, together with the password, enables individual access to the site(s) and the services.  

UK means the United Kingdom of Great Britain and Northern Ireland, excluding the Isle of Man and the Channel Islands.

we or us means each member of the Phoenix Group providing the site(s) and the services to you from time to time.

you means the person (including a private individual or corporate entity) who has policy(s), or is a nominee or trustee in respect of policy(s), and who is specified as the user of the site(s) and services on the registration form.

2. Intended audience and use

2.1 This site is intended for the information/use of residents of Ireland, and the information provided on the site reflects this.

2.2 As the site(s), the services and the information are issued in the UK and Ireland under the laws of England and Ireland under the laws of England and Ireland, these may not be fully compliant with any local laws or regulations outside the UK and Ireland.

2.3 We do not accept liability for any costs, losses or damages resulting from or related to the use of the site(s), the services or the information by the following persons:

  • persons residing outside Ireland ; or
  • persons who are nominees or trustees for citizens, residents or nationals of countries outside Ireland.

 

 

3. Registration

3.1 In order to obtain access to the site(s) and/or the services, you must register with us. You will only be able to register for site(s) that are relevant to you or your policy(s).

3.2 You can register by completing and submitting the registration form which will be delivered to us electronically using a secure link.

3.3 You must ensure that the information and details you submit to us on the registration form and when using the site(s) and the services are current, relevant and accurate. You must notify us as soon as possible if you become aware of any changes to the information or details.

3.4 If you wish to register as a user of the site(s) and/or the services, we may have to pass information relating to you and your policy(s) to other members of the Phoenix Group. If you do not wish to agree to the sharing of your information with the Phoenix Group, do not proceed with your registration. Data Protection is explained further in section 16.

3.5 Subject to any laws, rules and regulations applicable to us, we have full discretion to accept, or not to accept, an application to register and we reserve the right to reject your application without giving a reason for doing so.

3.6 By registering to access the site(s) and/or the services it is assumed that you have chosen to receive all correspondence and documents electronically. If you wish to receive paper copies of documents and correspondence please amend your preferences on the site or contact us (see Section 18 for how to contact us).

 

 

 

4. Security precautions

4.1 When you register you will choose a username and password and set your security questions.  

4.2 You must ensure that the username, password and answers to your security questions are memorised and that all reasonable precautions are taken to prevent these from being obtained by anyone else. For instance, these details must not:

  • be written down and/or disclosed to anyone else;
  • be recorded in such a way that these could be understood by anyone else; or
  • be stored on a computer so that the computer remembers these automatically.

4.3 The password and the answers to your security questions must not be disclosed to any staff of the Phoenix Group. Our staff should never ask for the password or the answers to your security questions to be disclosed to them.

4.4 If you believe that someone else knows the password or is using the password to access the services without permission, you must ensure that:

  • the password is changed using our on-line facility. You must ensure that this is done immediately or, where this occurs during site down time, immediately upon the site becoming available again; and
  • we are informed by telephone as soon as possible (please see section 18 for how to contact us).

If you fail to do so, we will not be responsible for any loss suffered by you as a result.

 

 

 

5. Instructions

5.1 You are responsible for all access to the site(s) and the services and all instructions placed using the username and password. We will treat such instructions as genuine and will carry them out even if given in error, unless we have received prior notification from you of unauthorised use of the username and password.

5.2 We will endeavour to carry out your instructions correctly, but it is your responsibility to check that instructions have been carried out as you expected. If the transaction has not been carried out correctly or you have made an error in completing the instructions, you should notify us as soon as possible (see section 18 for how to contact us).

5.3 We will only accept your instructions once we have verified your identity. The verification will be satisfied by you successfully entering the username and password and logging on the site(s).

5.4 If you have not completed your on-line instructions when using the services and/or the screen of your computer does not display a confirmation page confirming that your instructions have been received by us, then we may not have received your instructions. This may occur if:

  • the services become unavailable out of hours (service availability is explained in section 7);
  • the site  times out after thirty (30) minutes of inactivity on the site; or
  • there is a system failure, system crash or system malfunction;

before you have completed and submitted your on-line instructions and we have received these.

 

 

6. Using the site(s), and/or the services

6.1 You must use the site(s) and/or the services and the information solely for your own purposes and must not make these available to third parties without the prior written consent of a member of the Phoenix Group.

6.2 You must not access or attempt to access any information other than information relating to you as a user of the site(s) and the services.

6.3 You must log out of the site(s) that you have accessed and close your web browser when you have finished using the site(s), and the services. If you do not do this, information about you may appear on the screen of the computer when it is next used and we cannot be held responsible for third parties having access to this information.

6.4 Some organisations may offer aggregation services and may ask you to disclose to them the username and password and/or appoint them as your agent. You must not:

  • disclose the username or password to a provider of aggregation services; and/or
  • appoint a third party as your agent to access the services using the username and password.

6.5 We have no control over aggregation services and cannot ensure the accuracy of data displayed or instructions transferred to us by an aggregation service. We cannot ensure the security of any data, username or password held by an aggregation service.

6.6 If you do provide the username and/or password to an aggregation service in breach of this section 6, we will not be responsible for any loss or expense suffered by you as a result of this disclosure.

 

 

 

7. Availability of the site(s) and the services

7.1 The site(s) and the services are provided during the Irish hours of business stated on the site(s) or as otherwise indicated by us, however, we cannot guarantee that the site(s) or the services will always be available during the times stated. The site(s), and/or the services may be temporarily unavailable or restricted for administrative or other reasons. If this happens we will endeavour to restore their availability as quickly as possible.

7.2 We may for security reasons restrict or remove your access to the site(s) and the services at our reasonable discretion if:

  • the incorrect username or password is keyed in on five successive logon attempts; 
  • you or we suspect that an unauthorised person is attempting to access the site(s) and/or the services using the username; or
  • for valid operational or security reasons, you or we believe it is necessary and appropriate to do so. 

 

 

 

8. Accuracy of the information

8.1 We will take all reasonable care to ensure that all the information provided by us is accurate, current and complies with relevant Irish laws and regulations as at the date of issue. However, we cannot guarantee that this will be the case where we are reliant on a third party to provide accurate information.

8.2 We do accept liability and responsibility for the completeness and accuracy of the information when it has been prepared by us, but we do not accept liability or responsibility for the completeness or accuracy of the information when it has been prepared by other parties and we simply make this available to you for your convenience. Although carefully verified, data computations which are not made by us are not guaranteed by us and may not be complete or accurate.

 

 

 

9. General liability

9.1 Irrespective of the other provisions in these terms, we are responsible to you for:

  • any claim you may have against us for death or personal injury that has been caused as a direct result of our negligence;
  • losses you suffer as a result of any fraud committed by us;
  • losses you suffer as a result of any false or misleading statement made by us in relation to a fundamental matter; and
  • losses you suffer as a result of any intentional failure by us to fulfil our obligations under these terms.

9.2 Please note that product specific liability is covered in the product terms and, where relevant, any additional terms and conditions that we have communicated to you governing online product transactions.

 

 

 

10. Intellectual property

10.1 Intellectual property (including copyright) in:

  • the pages of the site(s);
  • the screens displaying the pages of the site(s); and
  • the information and its arrangement

is owned by a member of the Phoenix Group, unless otherwise indicated.

10.2 'Standard Life' and the Standard Life logo are registered trademarks of a member of Standard Life Aberdeen Group. Members of Standard Life Aberdeen Group may also claim trade mark and service mark rights in other marks contained in the information or on the site(s) from time to time.

10.3 Reproduction of any part of copyright or trade mark materials, or the look and feel of the site(s), without the prior written consent of a member of Standard Life Aberdeen Group, is strictly prohibited unless this is for your proper use of the site(s) or the services or for private, non-commercial viewing or downloading purposes.

10.4 Standard Life International dac is part of the Phoenix Group and uses the Standard Life brand under licence from the Standard Life Aberdeen Group.

 

 

 

11. Downloads

11.1 Any software, multimedia files, photographs, reports and other documents made available through the site(s) are downloaded at your own risk. We do not warrant the suitability of any such downloads and accept no liability for any problems with your computer that may arise as a result. If you are in any doubt as to the suitability of any such downloads for your computer, it is recommended that you obtain specialist advice before downloading.

 

 

 

12. Third party websites

12.1 We may provide you with links to websites operated or owned by third parties, which allow you to access and use third party material and information. We do not have any control over these third party websites or the information contained on them and do not accept any responsibility or liability in connection with access or use of them. We do not endorse, authorise or sponsor, nor are we affiliated to, such websites or their content, owners or providers.

 

 

 

13. Computer misuse

13.1 You must not perform any denial-of-service attack on the site(s). You must not:

  • misuse the site(s)  by knowingly introducing computer viruses or any other material which is malicious or technologically harmful; or
  • attempt to gain unauthorised access to the site(s), the server on which the site(s)  is stored or any server, computer or database connected to the site(s).

13.2 By breaching these provisions you would commit a criminal offence. We will report any such breach to the relevant law enforcement authorities and will co-operate with those authorities and may disclose your identity to them. In the event of such a breach, your access to the site(s) will be revoked immediately.

13.3 We recommend that you employ reasonable virus detection and protection measures when accessing the site(s). We will not be responsible for any loss or damage resulting from:

  • any attack by a third party on our systems; or
  • any computer virus or other malicious or technologically harmful material that may infect your computer or mobile equipment, computer or mobile programs, data or other proprietary material due to use of the site(s), or due to downloading of any material posted on the site(s) or any website linked to them.

 

 

 

14. Electronic communications

14.1 We consider electronic communications (including emails) to have the same status as documents sent to us by post. You agree not to contest the validity or enforceability of an electronic communication (including an email) which relates to a transaction. You also expressly agree not to use the absence of a printed or hand written document as an excuse not to comply with your obligations under these terms.

14.2 If you choose to send us an electronic communication (including an email), you do so at your own risk as there can be no guarantee that we will receive it, or that its content will remain private or unaltered during its transmission to us. We will accept no liability for any loss or damage you may suffer as a result of this. If this causes concern, you may prefer to contact us by telephone or post.

14.3 We reserve the right to monitor the use and content of electronic communications (including emails) which are sent from and received by us for the purposes of ensuring compliance with our own electronic communications policy, and identifying and taking action against unlawful or improper use of, or attacks on, our systems.

14.4 We virus scan and retain all electronic communications (including emails), but we will not be responsible for any damage caused by a virus or alteration by a third party, after an email or electronic message has been sent by us. We recommend that you employ reasonable virus detection and protection measures when accessing any emails or electronic messages from us.

 

 

 

15. Changes to these terms

15.1 We can make reasonable and appropriate changes to these terms (or issue a replacement set of terms and conditions in their place) at any time:

  • if changes to the legal or regulatory requirements applying to the site(s), the services or the information need to be reflected in these terms;
  • if decisions of the Financial Services and Pensions Ombudsman need to be reflected in these terms;
  • if new industry guidance and codes of practice which are there to raise standards of customer protection need to be reflected in these terms;
  • if it becomes impossible or impractical, in our reasonable opinion, to carry out any of these terms as a result of a change in the law or regulation or other circumstances beyond our control;
  • to reflect improvements to the site(s),  the services and/or the information that technological, service or propositional enhancements have allowed us to make;
  • if we reasonably believe that the changes are necessary in the interests of our business; or
  • to improve the clarity of any of these terms.

15.2 We will let you know of any change made to these terms that may be to your disadvantage. If you object to a change made by us please contact us (see section 18 for how to contact us), however, please note your only recourse may be to terminate these terms (as explained in section 17).

 

 

 

16. Use of personal data

16.1 We collect, process and maintain customer personal information and apply safeguards to ensure that it is protected and used in accordance with data protection law. To read our Privacy policy, visit www.standardlife.ie/privacy.

 16.2 We use cookies and similar technologies. By using this website you consent to these cookies being placed on your device in accordance with our cookies policy. Information on our use of cookies may be found on the Cookie Policy page.

 

 

 

 

17. Termination

17.1 You can terminate these terms by giving us notice of this, as outlined in section 17.3.

17.2 We may terminate these terms and your right to use the site(s) and the services:

  • by giving you 30 days' notice, as outlined in section 17.3. We will notify you of the options available to you at the time;
  • by notifying you, as outlined in section 17.3, if you commit a material breach of these terms and you fail to remedy the breach within 10 working days of being asked by us to do so; or
  • by giving you as much advance notice as possible, as outlined in section 17.3, in the event that we have to withdraw the site(s), and/or the services for site security, legal or regulatory reasons.

17.3 The notices that either we or you are required to serve on the other under this section 17 must be in writing and can be served either by email or by post to the last notified address of the party (see section 18 for details of our contact address). If a notice is served by email, it will be deemed to be delivered on the day it was sent provided no non-delivery message is received by the sender. If a notice is served by post, it will be deemed delivered two working days after being posted and in proving such service it shall be sufficient to prove that the envelope was properly addressed, stamped and posted.

 

 

 

18. How to contact us

18.1 If you have any questions about the site(s) or the services, you can contact us. Our telephone number is +353 1 639 7000. Please have your product details available when calling. Please note that calls may be monitored and/or recorded to protect both you and us and help with our training. Call charges will vary.

18.2 Our main contact address is Standard Life,90 St Stephen’s Green, Dublin 2.

 

 

 

19. Complaints

19.1 If you have a concern or complaint about the site(s) and/or the services, please call us (see section 18 for how to contact us). We will discuss your issue with you and attempt to resolve it. Where the complaint cannot be resolved immediately, we will take details of the complaint over the telephone, will aim to acknowledge your complaint in writing within a further 5 working days, and will then deal with your complaint as soon as we can.

19.2 The Financial Services and Pensions Ombudsman is an independent service set up to deal with complaints from consumers about financial services providers. Further information about the Financial Services and Pensions Ombudsman may be found at www.fspo.ie/

19.3 You may also use the EU online dispute resolution (ODR) platform to submit any disputes. For more information, please see http://ec.europa.eu/consumers/odr/.

 

 

 

 

20. General

20.1 If there is any conflict between these terms and any of the product terms, the terms of the following documents shall be considered in the following order: (1) the product terms (2) these terms. 

20.3 If there is any conflict between these terms and the Legal Information governing your use of www.standardlife.ie, the terms of the following documents shall be considered in the following order: (1) these terms (2) the Legal Information governing your use of www.standardlife.ie.

20.4 The provision of the site(s), the services and/or the information is not an offer or solicitation by us to buy, sell or otherwise deal in any investment in any jurisdiction.

20.5 If either party fails to exercise any right or remedy under these terms, this shall not prevent them from doing so at any time in the future.

20.6 The words 'including' or 'include' and words of similar effect will not be deemed to limit the general effect of the words which follow them.

20.7 Each provision of these terms will be construed separately and, in the event that any such provision may prove to be illegal or unenforceable, the remaining provision of these terms will continue in full force and effect.

20.8 The headings to sections will not form part of these terms and will not affect the interpretation of any section.

20.9 Any disclaimers and exclusions contained within these terms will survive termination of these terms.

 


 

21. Governing law

21.1 These terms will be governed by Irish law. You and we submit to the exclusive jurisdiction of the courts of Ireland.

 

WARNING

The price of securities, units, funds and the income derived from them can go down as well as up, with the result that investors may not get back sums that they have invested. Past performance of investments is not necessarily a guide to future performance. Where the information supplied under these terms consists of pricing or performance data, the data contained therein has been obtained from sources believed to be reliable. Although carefully verified, the completeness and accuracy of data computations are not guaranteed by the members of the Phoenix Group, unless the data computation was carried out by such members of the Phoenix Group. We do not provide investment advice or tax advice to you through the information or the services. We advise that you speak to your financial adviser or other professional adviser before making any decisions or taking any actions relating to the buying, selling or holding of investments.