Please read the following terms and conditions as by accessing and using our website you are deemed to agree to these terms.
This Notice sets out the terms which apply to your use of our websites and how we will treat your personal information. It should be read in conjunction with any terms and conditions that may be applicable in connection with specific applications on Unum UK Group of company websites.
We hope you will find these terms clear and easy to understand. If you have any questions concerning the terms set out in this Notice, please contact us on 01306 874283.
Please note that this Notice applies across the following websites:
These websites are variously owned by members of the Unum Group of UK companies (collectively referred to as "Unum", "we" or "us"). You will find complete Unum company details relating to each of these websites at the end of this Notice.
The terms of this Notice and the contents of these websites are for UK residents only. They are governed in accordance with English law and regulations and subject to the exclusive jurisdiction of the English courts.
The content and information provided by Unum is for information purposes only and is not intended to be advice of any kind. Product information provided on our websites does not constitute an offer of that product. If you are interested in any product appearing on our websites and would like further information, please contact one of our sales offices which are listed on the Contact Us page.
Copyright and Trademarks
Copyright of all information published on all Unum websites belongs to Unum and may not be used, sold, licensed, copied or reproduced in whole or in part in any manner or form or media without our express permission.
Unum is a registered trademark and may not be used without our prior consent.
Warranties and Limitation of Liabilities
Whilst every effort has been made to ensure the accuracy of all information on our websites, Unum does not warrant or guarantee the accuracy of any information on this or any linked website. We will not be liable for any loss or damage resulting from any use, or inability to use, our websites or from any unauthorised access to, alteration to or modification of, or from any reliance that may have been placed upon, information contained within them.
Unum do not warrant that our websites will be free from errors, defects, viruses or alterations made outside of our control.
Should there be any difference between the information contained on this website and the information in our Corporate Literature (which includes Key Features Documents, Technical Guides and Policy Documents) the terms in our Corporate Literature will prevail.
Amendments and Alterations
Unum reserves the right to make alterations to the information on our websites, to update product information and to amend this Notice, without prior notice, at any time. If you access a restricted area on any of our websites, we will ensure that you are notified of any such changes. Otherwise, please ensure that you refer back to this Notice periodically to ensure that you continue to agree to our terms, as updated from time to time.
Unum and all members of the Unum UK Group are committed to protecting and keeping your information private. By "your information" we mean all personal information that we receive about you, either from you personally or from third parties.
Unum complies with its obligations under the Data Protection Act 1998 that relate to processing personal data. At Unum we are aware how important it is to protect the personal and financial information to which we are entrusted. We take all reasonable steps to ensure the security of personal information exchanged through this website.
Your information will remain confidential and we will not disclose any personal data to a third party without your consent except where there is a legal or regulatory obligation to do so. We do not sell, trade or rent your personal information to third parties and will only use your personal data for the purposes you have agreed to.
Your information may be used for the purposes of insurance administration by Unum, its associated companies and agents, by reinsurers and your intermediary. It may be disclosed to regulatory bodies for the purposes of monitoring and/or enforcing Unum’s compliance with any regulatory rules or codes.
Your information may be transferred to any country, including countries outside the European Economic Area for any of these purposes. Where this happens, we will ensure that anyone to whom we pass your information agrees to treat your information with the same level of protection as if we were dealing with it.
Details of the purposes for which Unum holds personal information and the parties to whom we may disclose information can be found within the Data Protection Register. To look at the register go to www.informationcommissioner.gov.uk and follow the "Notification" links.
When you send us information via our website, we collect personal data that you disclose to enable us to deal with your request and contact you. We will only use your personal data you provide to process your request unless otherwise notified to you.
If you provide us with your e-mail address, you agree that we may communicate with you (and vice versa) via email. If your email address changes please let us know as soon as possible.
We will make every reasonable effort to ensure the security of email communication. This may include encryption of sensitive data. Notwithstanding any effort we make to ensure the security of information transmitted to or from Unum, please be aware that transmission of data over the internet may still be intercepted by hackers and we cannot be held liable for any loss of data transmitted to us by electronic means.
You will let us know as soon as possible should you become aware of any failure, delay or error in sending or receiving an e-mail. Unum's records of email sent will be conclusive evidence that the e-mail has been sent unless there is a clear mistake.
You may withdraw the e-mail facility at any time upon any form of notice to us. We will notify you in writing if we no longer wish to communicate with you via e-mail.
If we intend to use your personal information for marketing purposes we will give you the opportunity to advise us that you do not wish for it to be used in this way.
Unum protects your privacy. Where you are required to provide personal information to us via any Unum website, we will maintain strict security standards and procedures with a view to preventing unauthorised access to your data by anyone, including our staff. We will maintain appropriate technological measures to ensure the security of information submitted.
You must not misuse our websites by knowingly introducing viruses, trojans, worms, logic bombs or other material which is malicious or technologically harmful. You must not attempt to gain unauthorised access to our websites, the server on which our websites are stored or any server, computer or database connected to our websites. You must not attack our websites via a denial-of-service attack or a distributed denial-of-service attack.
By breaching this provision, you would commit a criminal offence under the Computer Misuse Act 1990. We will report any such breach to the relevant law enforcement authorities and we will co-operate with those authorities by disclosing your identity to them. In the event of such a breach, your right to use our site will cease immediately.
We will not be liable for any loss or damage caused by a distributed denial-of-service attack, viruses or other technologically harmful material that may infect your computer equipment, computer programs, data or other proprietary material due to your use of our site or to your downloading of any material posted on it, or on any website linked to it.
Cookies are text files containing small amounts of information which are downloaded to your device when you visit a website. Cookies are then sent back to the originating website on each subsequent visit, or to another website that recognises that cookie. Cookies are useful because they allow a website to recognise a user’s device.
Cookies do lots of different jobs, like letting you navigate between pages efficiently, remembering your preferences, and generally improve the user experience. They can also help to ensure that adverts you see online are more relevant to you and your interests.
None of the cookies used on our websites or online services - with the exception of where you apply for a job vacancy on www.unum.co.uk, or post a comment under one of our blog posts - collect personally identifiable information about you.
We also track IP addresses of businesses and organisations to help us understand how our website is used.
Unum Limited is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority
PRA/FCA Firm reference number 110408
Registered and Head Office: Milton Court, Dorking, Surrey RH4 3LZ
Registered in England company number 983768
Unum Limited is a member of the Unum Group of Companies
Copyright: Unum Limited © 2012