Your legal information

These terms and the contents of these websites are for UK residents only. We do not represent that content available on or through our websites is appropriate for use or available in other locations. They are governed according to English law and regulations, and are subject to the exclusive jurisdiction of the English courts.

These terms apply across all of Unum Limited’s websites on the domain: www.unum.co.uk.

This content and information is for information purposes only and is not intended to be advice of any kind.

Product information provided on our websites is not an offer to buy that product. If you are interested in any product appearing on our websites and would like more information, please contact one of our sales offices - listed on our contact us page.

We grant you a personal, revocable, limited, non-exclusive, royalty-free and non-transferrable license to use the websites conditioned on your adherence to these Terms of Use. The information, including all data, analytics and reports, on the websites is owned or licensed by Unum and is provided for your personal use. Except as otherwise expressly provided in these Terms of Use, the website information may not be modified, copied, distributed, republished, uploaded, downloaded, posted, or transmitted without our prior written consent.

When using the services accessible by your license, you agree to refrain from any illegal or offensive behavior or statements such as ethnic slurs, sexist or discriminatory comments, profanity, abusive language, obscenity, or maliciously false comments. We reserve the right to restrict access, in whole or in part, if, in our sole judgment, we determine that you have not adhered to this standard of use.

All trademarks, service marks, trade names, logos, icons and domain names located on the websites are owned or licensed by us. All page headers, custom graphics, button icons, and scripts are service marks, trademarks or trade dress of Unum. Your replication, imitation or use of any trade dress, trademark, service mark, trade name, logo, icon or domain name displayed on the websites, without our written permission, is strictly prohibited.

The websites contain software, photographs, graphics, text, images and other material (collectively "Material") that are protected by copyright laws. All Material is also copyrighted as a collective work under copyright laws, and Unum owns a copyright in the selection, coordination, arrangement, and enhancement of the Material. You may not modify, remove, delete, augment, add to, publish, transmit, participate in the transfer or sale of, create derivative works from, or in any way exploit any of the Material, in whole or in part. We grant you permission to electronically copy, create hyperlinks, and print in hard copy any portions of the websites (and to download software made available on the websites) provided you do so solely for your non- commercial, personal use and in connection with conducting business with us and provided the Materials retain all copyright, trademark or other notice of Unum’s proprietary interest in the Materials. Otherwise, you may not reproduce or distribute in any way Material without obtaining our prior written permission.

Our providing you with access to the websites does not give you any license, by implication, estoppel or otherwise, to our intellectual property. All access and use rights may be revoked by us at any time. Any rights not expressly granted herein are reserved.

While we make every effort to ensure the information on our websites is accurate, we do not warrant or guarantee its accuracy, or the accuracy of information on any linked website. We are not liable for any loss or damage resulting from:

• any use - or inability to use - our websites
• any unauthorised access
• changes to the information on our websites
• reliance on any information on our websites

We cannot guarantee that our websites will be free from errors, defects, viruses or alterations made outside of our control.

You must not misuse our site by knowingly introducing viruses, trojans, worms, logic bombs or other material that is malicious or technologically harmful. You must not attempt to gain unauthorised access to our site, the server on which our site is stored or any server, computer or database connected to our site. You must not attack our site 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.

If there is any difference between the information on our websites and our corporate literature - including key features documents, technical guides and policy documents - the corporate literature takes precedence.

Where our websites contain links to other sites and resources provided by third parties, these links are provided for your information only. Such links should not be interpreted as approval by us of those linked websites or information you may obtain from them. We have no control over the contents of those sites or resources. 

We reserve the right to change the information on our websites, update product information and this legal and privacy section without notice at any time. Please refer back to this section every time you access our websites to ensure you still agree to any updated terms.

If you access a restricted area on any of our websites, we will notify you about any changes.

www.unum.co.uk and unumonline.co.uk are owned by Unum Limited. 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 © 2026