Our mobile app user licence terms

Please read these licence terms carefully

By using our mobile app you agree to these terms which will bind you.

If you do not agree to these terms, please delete the mobile app from your device.

 

Who we are and what this agreement does

We THE ROYAL LONDON MUTUAL INSURANCE SOCIETY LIMITED of 55 GRACECHURCH STREET, LONDON EC3V 0RL license you to use:

  • Royal London mobile application software (app) and any updates or supplements to it.
  • The service you connect to via the App and the content we provide to you through it (service).

as permitted in these terms.

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Your privacy

Under data protection legislation, we are required to provide you with certain information about who we are, how we process your personal data and for what purposes and your rights in relation to your personal data and how to exercise them. This information is provided in our privacy notice and it is important that you read that information.

Please be aware that internet transmissions are never completely private or secure and that any message or information you send using the app or any service may be read or intercepted by others, even if there is a special notice that a particular transmission is encrypted.

Additional terms for specific services  

In addition the services set out below will be governed by the following terms of use and privacy policies:

Service Web address of terms of use Web address of privacy policy
Pensions and services app

terms and conditions

 privacy policy

 

Mobile App store's terms also apply

The ways in which you can use the app and documentation may also be controlled by the rules and policies of the Mobile App Store you used to download the app. These can be found here for the App Store and here for the Play Store. These rules and policies will apply instead of these terms where there are differences between the two.

Operating system requirements 

Please refer to the compatibility section which can be found on the Royal London Mobile App Store listing. 

Support for the app and how to tell us about problems

Support. If you want to learn more about the app or the service or have any problems using them please take a look at our support resources.

Contacting us (including with complaints). If you think the app or the services are faulty or misdescribed or wish to contact us for any other reason please email our customer service team at Customer.Relations@royallondon.com or call them on 0345 602 1885.

How we will communicate with you. If we have to contact you we will do so by email, using the contact details you have provided to us.

 

How you may use the app, including how many devices you may use it on  

In return for your agreeing to comply with these terms you may:

  • download a copy of the app onto your mobile phone and view, use and display the app and the service for your personal purposes only. In addition you may share the App and the Service in accordance with the relevant Mobile App Store rules.
  • use any documentation to support your permitted use of the app and the service.
  • provided you comply with the licence restrictions, make copies of the app for back-up purposes; and
  • receive and use any free supplementary software code or update of the app incorporating “patches” and corrections of errors as we may provide to you.

You may not transfer the app to someone else  

We are giving you personally the right to use the app and the service as set out above (see How you may use the app) . Whilst you may have sharing rights as set out above, you may not otherwise transfer the app or the service to someone else, whether for money, for anything else or for free. If you sell any device on which the app is installed, you must remove the app from it.

 

Changes to these terms

We may need to change these terms to reflect changes in law or best practice or to deal with additional features which we introduce.

We will give you at least 30 days’ notice of any change by sending you an email with details of the change or notifying you of a change when you next start the app.

Update to the app and changes to the service  

From time to time we may automatically update the app and change the service to improve performance, enhance functionality, reflect changes to the operating system or address security issues. Alternatively we may ask you to update the app for these reasons.

If you choose not to install such updates or if you opt out of automatic updates you may not be able to continue using the app and the services.

The app will always run as stipulated on the Mobile App Store on the operating system version specified when you download it.

If someone else owns the phone or device you are using  

If you download or stream the app onto any phone or other device not owned by you, you must have the owner’s permission to do so. You will be responsible for complying with these terms, whether or not you own the phone or other device.

We may collect technical data about your device  

By using the app or any of the services, you agree to us collecting and using technical information about the devices you use the app on and related software, hardware and peripherals to improve our products and to provide any services to you.

We may collect location data (but you can turn location services off)

Certain services will make use of location data sent from your devices. You can turn off this functionality at any time by turning off the location services settings for the app on the device. If you use these services, you consent to us and our affiliates’ and licensees’ transmission, collection, retention, maintenance, processing and use of your location data and queries to provide and improve location-based and road traffic-based products and services. You may stop us collecting such data at any time by turning off the location services settings within your device.

We are not responsible for other websites you link to  

The app or any service may contain links to other independent websites which are not provided by us. Such independent sites are not under our control, and we are not responsible for and have not checked and approved their content or their privacy policies (if any).

You will need to make your own independent judgement about whether to use any such independent sites, including whether to buy any products or services offered by them.

Licence restrictions

You agree that you will:

    • except in the course of permitted sharing (see How you may use the app) not rent, lease, sub-license, loan, provide, or otherwise make available, the app or the services in any form, in whole or in part to any person without prior written consent from us;
    • not copy the app, documentation or services, except as part of the normal use of the app or where it is necessary for the purpose of back-up or operational security;
    • not translate, merge, adapt, vary, alter or modify, the whole or any part of the app, documentation or services nor permit the app or the services or any part of them to be combined with, or become incorporated in, any other programs, except as necessary to use the app and the services on devices as permitted in these terms;
    • not disassemble, de-compile, reverse engineer or create derivative works based on the whole or any part of the app or the services nor attempt to do any such things, except to the extent that (by virtue of sections 50B and 296A of the Copyright, Designs and Patents Act 1988) such actions cannot be prohibited because they are necessary to decompile the App to obtain the information necessary to create an independent program that can be operated with the app or with another program (permitted objective), and provided that the information obtained by you during such activities:
      • is not disclosed or communicated without the Licensor’s prior written consent to any third party to whom it is not necessary to disclose or communicate it in order to achieve the permitted objective; and
      • is not used to create any software that is substantially similar in its expression to the app;
      • is kept secure; and
      • is used only for the permitted objective;
      • comply with all applicable technology control or export laws and regulations that apply to the technology used or supported by the app or any service.

Acceptable use restrictions  

You must:

  • not use the app or any service in any unlawful manner, for any unlawful purpose, or in any manner inconsistent with these terms, or act fraudulently or maliciously, for example, by hacking into or inserting malicious code, such as viruses, or harmful data, into the app, any service or any operating system;
  • not infringe our intellectual property rights or those of any third party in relation to your use of the app or any service (to the extent that such use is not licensed by these terms);
  • not transmit any material that is defamatory, offensive or otherwise objectionable in relation to your use of the app or any service;
  • not use the app or any service in a way that could damage, disable, overburden, impair or compromise our systems or security or interfere with other users; and
  • not collect or harvest any information or data from any service or our systems or attempt to decipher any transmissions to or from the servers running any service.

Intellectual property rights  

All intellectual property rights in the app, the documentation and the services throughout the world belong to us (or our licensors) and the rights in the app and the services are licensed (not sold) to you. You have no intellectual property rights in, or to, the app, the documentation or the services other than the right to use them in accordance with these terms.

Our responsibility for loss or damage suffered by you  

We are responsible to you for foreseeable loss and damage caused by us. If we fail to comply with these terms, we are responsible for loss or damage you suffer that is a foreseeable result of our breaking these terms or our failing to use reasonable care and skill, but we are not responsible for any loss or damage that is not foreseeable. Loss or damage is foreseeable if either it is obvious that it will happen or if, at the time you accepted these terms, both we and you knew it might happen.

We do not exclude or limit in any way our liability to you where it would be unlawful to do so. This includes liability for death or personal injury caused by our negligence or the negligence of our employees, agents or subcontractors or for fraud or fraudulent misrepresentation.

When we are liable for damage to your property. If defective digital content that we have supplied damages a device or digital content belonging to you, we will either repair the damage or pay you compensation. However, we will not be liable for damage that you could have avoided by following our advice to apply an update offered to you free of charge or for damage that was caused by you failing to correctly follow installation instructions or to have in place the minimum system requirements advised by us.

We are not liable for business losses. The app is for domestic and private use. If you use the app for any commercial, business or resale purpose we will have no liability to you for any loss of profit, loss of business, business interruption, or loss of business opportunity.

Limitations to the app and the services. The app and the services are provided for general information purposes only. They do not offer advice, including financial advice, on which you should rely. You must obtain professional or specialist advice before taking, or refraining from, any action on the basis of information obtained from the app or the service. Although we make reasonable efforts to update the information provided by the app and the service, we make no representations, warranties or guarantees, whether express or implied, that such information is accurate, complete or up to date.

Please back-up content and data used with the app. We recommend that you back up any content and data used in connection with the App, to protect yourself in case of problems with the app or the service.

Check that the app and the services are suitable for you. The app and the services have not been developed to meet your individual requirements. Please check that the facilities and functions of the app and the services (as described on the appstore site and in the Documentation) meet your requirements.

We are not responsible for events outside our control. If our provision of the services or support for the app or the services is delayed by an event outside our control then we will contact you as soon as possible to let you know and we will take steps to minimise the effect of the delay. Provided we do this we will not be liable for delays caused by the event but if there is a risk of substantial delay you may contact us to end your contract with us and receive a refund for any services you have paid for but not received.

If, for any reason, we are found to be liable to you for any damage or loss (including through negligence) which arises in any way out of, or is in any way connected with, your use of the mobile app, any content or service, our liability (save as prohibited by applicable law) shall in no event exceed the greater of the total of any amounts paid by you to us in relation to the part of the mobile app, content or service to which the claim relates in the six months prior to the date of the initial claim; and £100.00.

We may end your rights to use the app and the services if you break these rules  

We may end your rights to use the app and services at any time by contacting you if you have broken these terms in a serious way. If what you have done can be put right we will give you a reasonable opportunity to do so.

If we end your rights to use the app and services:

  • You must stop all activities authorised by these terms, including your use of the app and any services.
  • You must delete or remove the app from all devices in your possession and immediately destroy all copies of the app which you have and confirm to us that you have done this.
  • We may remotely access your devices and remove the app from them and cease providing you with access to the services.

We may transfer this agreement to someone else  

We may transfer our rights and obligations under these terms to another organisation. We will always tell you in writing if this happens and we will ensure that the transfer will not affect your rights under the contract.

You need our consent to transfer your rights to someone else  

You may only transfer your rights or your obligations under these terms to another person if we agree in writing.

No rights for third parties  

This agreement does not give rise to any rights under the Contracts (Rights of Third Parties) Act 1999 to enforce any term of this agreement.

If a court finds part of this contract illegal, the rest will continue in force

Each of the paragraphs of these terms operates separately. If any court or relevant authority decides that any of them are unlawful, the remaining paragraphs will remain in full force and effect.