Pension online service terms and conditions for planholders

We, The Royal London Mutual Insurance Society Limited and any of its subsidiaries ("Royal London", "us" or "our"), refer to the online facility for accessing and amending your policy(ies) with Royal London available to you on our website at royallondon.com (the “System”). The System is being made available to you to allow you to: (i) have online access to certain information about Royal London products; (ii) obtain current details of Royal London’s products purchased by you; (iii) apply for Royal London products electronically and, where appropriate, this includes a facility to make transfers in and payments out ("Online Applications"); (iv) amend your policy details electronically ("Online Policy Changes"); and (v) have access to online tools and services relating to Royal London products that we may introduce from time to time.

These online service terms and conditions for planholders ("Terms") set out the terms on which you are being given access to the System by Royal London and should be read in conjunction with the Privacy Policies and Cookie Policy.

1. Royal London hereby grants to you the right to use the System subject to and for the purposes set out in these Terms. Royal London may from time to time amend, update or alter the System and if that happens these Terms shall apply to the amended, updated or altered System.
2. Royal London will use its reasonable endeavours to ensure that online access to the System will be available. However Royal London is under no obligation to provide access and shall have no liability to you for failure to provide access to the System.
3. Please read these Terms carefully before you start to use the System as they will apply from the date you first access the System. We recommend that you print or save a copy of this for future reference. Royal London reserves the right to withdraw your access to the System and to terminate these Terms at any time and without giving any reason for doing so.
4. You shall only access and use data obtained through the System which relates to you and your policy(ies).
5. The following terms will apply to all electronic communications in respect of Online Applications and Online Policy Changes: 
   • (i) Your communications shall not be deemed to have been properly received by Royal London until the communication is accessible by Royal London.
     
     
   • (ii) You accept responsibility and liability for the completeness and accuracy of any communication sent to Royal London using the System and Royal London will not be liable for any consequence of any incomplete or incorrect communication.
     
     
   • (iii) You authorise Royal London to treat any electronic communication from you as a valid instruction without the need for further written confirmation. Royal London will treat your instructions as your instructions even if you can prove that they were not signed or sent by you or with your authority provided that Royal London or its employees were not guilty of negligence, fraud or wilful default in treating them as valid instructions.
     
     
   • (iv) If you do not receive confirmation of placing an instruction or if any aspect of the confirmation received does not accurately reflect the instruction given by you or if you receive a confirmation for an instruction relating to business which has not been placed by yourself, you should immediately notify Royal London giving full details of the issue. In the event that you fail to notify Royal London as soon as reasonably practicable in any of these circumstances you will be deemed to accept the terms of the confirmation as sent to you by Royal London.
     
     
   • (v) Royal London reserves the right to obtain from you written confirmation of any instruction sent via the System.
     
     
6. You shall not at any time disclose the password allocated to you by Royal London to any third party.
7. You shall immediately notify Royal London, and in any event within 7 days of you becoming aware or having reason to believe that the security of the System has been compromised.
8. You shall at all times use and access the System in accordance with any guidance issued from time to time by Royal London and shall not use the System for any unlawful, improper or immoral purpose. Any access to Royal London’s systems, other than access to the System or any unrestricted access areas on the website at royallondon.com, or inappropriate use of the System will result in the immediate termination of these Terms.
9. In the event that Royal London makes software available to you for use in connection with the System (“Software”) you shall not modify, assign, sub-license, sell, charge or rent the Software nor shall you copy, modify, enhance, compile or assemble or reverse engineer the Software unless where permitted by law or in accordance with these Terms. Other than where required by law, Royal London provides no warranty that the Software is fit for its purpose nor that it is free of errors, viruses or bugs.
10. (i) Royal London has taken reasonable care to ensure that the information contained on the System is accurate; however, no representation or warranty expressed or implied, as to the accuracy or completeness is given.
    
    (ii) Royal London shall have no liability for any loss or damage (whatsoever or howsoever caused) suffered by you arising from the use of, or reliance upon, the information contained in the System (including, but not limited to, any loss of use, data or profit or any other loss or damage direct, indirect or consequential whether in an action for contract, negligence or other tortious action) or any failure on the part of Royal London to make access available to you or as a result of any damage to your or your Employer's computer systems arising from your use of the System.
    
    (iii) Royal London will accept no liability for failure to carry out any instruction received electronically using Online Applications or Online Policy Changes unless you can show that you had received an accurate confirmation of instructions, or if Royal London is unable to obtain payment of the full amount due or if incorrect details are submitted with your instruction. 
    
    (iv) For the avoidance of doubt nothing in this clause 10 seeks to exclude or limit any liability which may not lawfully be excluded or limited.
11. Royal London shall be entitled to assign these Terms at any time without your consent.
12. Only you and us shall have any rights to enforce any of these Terms.
13. Each of the paragraphs of these Terms operate separately. If any court or relevant authority decides that any of them are unlawful, the remaining paragraphs will remain in full force and effect.
14. If we fail to insist you perform any of your obligations under these Terms or if we do not enforce our rights against you, or if we delay in doing so, that will not mean we have given up our rights against you and will not mean that you do not have to comply with those obligations.
15. These Terms are governed and construed by the laws of England and Wales and are subject to the English courts which will have exclusive jurisdiction over any dispute that arises in connection with them.