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Online Service Terms and Conditions

Last modified: 19 September 2022

Royal London Insurance DAC, trading as Royal London Ireland, (“Royal London Ireland”, “we”, “our”, “us”) is regulated by the Central Bank of Ireland. Royal London Insurance DAC is a designated activity company limited by shares and registered in Ireland, number 630146. Registered office: 47-49 St Stephen’s Green, Dublin 2.

These Terms and Conditions of Use ("Terms") apply to and govern your access to and use of the online facility for accessing and amending your policy/ies with Royal London Ireland available to you on our website at www.royallondon.ie (the “System”).  The System is being made available to facilitate any of the following Royal London Ireland Online Service (the “Services”):

  1. have online access to certain information about Royal London Ireland products;
  2. obtain current details of Royal London Ireland’s products purchased by you;
  3. apply for Royal London Ireland products electronically and, where appropriate, includes a facility to make transfers in and payments out (“Online Applications”);
  4. amend your policy details electronically (“Online Policy Changes”);
  5. have online access to a document library (the “Library”) to view important documents; and
  6. have access to online tools and services relating to Royal London Ireland products that we may introduce from time to time.

These Terms will apply whether you are a policyholder of Royal London Ireland (see Section A of these Terms), or if you are a Financial Broker who holds and agency with us (see Section B of these Terms).

By registering on our System, you understand that you are agreeing to be bound by these Terms. By accessing, continuing to access, using the System/Services or otherwise indicating your consent to accessing and using the System, you agree to be bound by these Terms. If you do not agree with or accept these Terms, you are not permitted to use the System.

These Terms shall commence on the date you first use the System. Royal London Ireland 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.

Other terms and conditions (including, but not limited to, our website terms and conditions or the terms of business between a Financial Broker and Royal London Ireland) may apply to some of the Services and to our products made available to you and/or referred to through the System).  If these Terms conflict with any Product or service related terms and conditions, the relevant Product or service related terms and conditions shall prevail.  

Section A - Online Service Terms and Conditions for Policyholders

These online service terms and conditions for policyholders set out the terms on which you are being given access to the System by Royal London Ireland and should be read in conjunction with the Privacy Policy and Cookie Policy:

  1. In consideration of you agreeing to be bound by these Terms, Royal London Ireland hereby grants to you a non-transferable, revocable, non-exclusive limited licence to use the System subject to and for the purposes set out in these Terms. Royal London Ireland 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 Ireland will use its reasonable endeavours to ensure that online access to the System will be available. However, Royal London Ireland is under no obligation to provide access and shall have no liability to you for failure to provide access to the System.
  3. These Terms shall commence on the date you first use the System. Royal London Ireland 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. You understand that when you cease to be a policyholder of Royal London Ireland, you will no longer have access to and use of the System
  5. The following terms will apply to all electronic communications in respect of Online Applications and Online Policy Changes:

    1. Your communications shall not be deemed to have been properly received by Royal London Ireland until the communication is accessible by Royal London Ireland.

    2. You accept responsibility and liability for the completeness and accuracy of any communication sent to Royal London Ireland using the System and Royal London Ireland will not be liable for any consequence of any incomplete or incorrect communication.

    3. You authorise Royal London Ireland to treat any electronic communication from you as a valid instruction without the need for further written confirmation. Royal London Ireland 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 Ireland or its employees were not guilty of negligence, fraud or wilful default in treating them as valid instructions. Unless we have a legal obligation to do so we won’t ordinarily ask or enquire about the reasons for any instructions or reconfirm these instructions with any other joint policyholder.

    4. 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 Ireland giving full details of the issue. If you fail to notify Royal London Ireland 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 Ireland.

    5. Royal London Ireland reserves the right to obtain from you written confirmation of any instruction sent via the System.

  6. If your policy is held in the name of two or more persons, any one of you may, acting alone be able to use the Services. Each of you who want to use the Services must register to access the System and use the Services.

  7. If your policy is held jointly in the name of two or more persons, each of you is jointly and severally liable under these Terms and for any Instruction we get from any of you on your jointly held policy. This means we can ask all or any one of you alone to pay us any money owing to us and meet any obligation arising from these Terms or any Instruction any of you give us.

  8. Unless we have requested the consent of each policyholder or have a legal obligation to get the consent of each policyholder where a policy is held jointly by two or more persons, we can act on the Instructions of only one of you. This means by using the Services any one of you can ask us to do certain things with the policy without the other policyholder knowing, including closing the policy, taking all or any money out of the policy, asking for communications (including statements) to be provided electronically or on paper, availing of or ending the Services. If you have a joint policy therefore it is your obligation to ensure you are acting or instructing us with the authority or agreement of the other policyholder(s).

  9. When we send any notice to any one of you (including any electronic statement or communication or statement or document in paper form) this will be deemed to be notice to all of you.

  10. You shall not at any time disclose the password allocated to you by Royal London Ireland to any third party.

  11. You shall immediately notify Royal London Ireland, and in any event within seven (7) days of you becoming aware or having reason to believe that the security of the System has been compromised.

  12. You shall at all times use and access the System in accordance with any guidance issued from time to time by Royal London Ireland and shall not use the System for any unlawful, improper or immoral purpose. Any access to Royal London Ireland’s systems, other than access to the System or any unrestricted access areas on the website at www.royallondon.ie, or inappropriate use of the System will result in the immediate termination of these Terms.

  13. In the event that Royal London Ireland 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 Ireland provides no warranty that the Software is fit for its purpose nor that it is free of errors, viruses or bugs.

  14.  

    1. Royal London Ireland has taken reasonable care to ensure that the information contained on the System is accurate; however, no representation or warranty express or implied, as to the accuracy or completeness is given.

    2. Royal London Ireland 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 Ireland 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.

    3. Royal London Ireland 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 Ireland is unable to obtain payment of the full amount due or if incorrect details are submitted with your instruction.

    4. 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.

  15. Royal London Ireland shall be entitled to assign these Terms at any time without your consent.

  16. Only you and us shall have any rights to enforce any of these Terms.

  17. 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.

  18. 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.

  19. These Terms are governed and construed in accordance with the laws of Ireland and are subject to the exclusive jurisdiction of the courts of Ireland.

Section B - Online Service Terms and Conditions for Financial Brokers

We refer to the terms and conditions (the “Terms of Business”) on which business is conducted between us, Royal London Insurance DAC, trading as Royal London Ireland, or any of its affiliate companies (“Royal London Ireland”, “we” “us” or “our”) and “you” a person, firm or company (including, where appropriate, your partners, directors, employees and any person for whom you are responsible). We refer to the dedicated secure internet facilities for Financial Brokers  available on Royal London Ireland’s website at www.royallondon.ie and other related test sites or via Trusted Third Party systems using secure messaging, which Royal London Ireland has made available to you in response to your request for access to be granted (the “System”).“Trusted Third Party” means any trusted third party with whom Royal London Ireland has entered into an agreement for the provision of online authentication and other services.

These online service terms and conditions for a Financial Broker set out the terms on which access to the System is provided to you by Royal London Ireland and shall be read in conjunction with (and not as an amendment to) the Terms of Business:

  1. In acting as a Financial Broker, you acknowledge and confirm that you are legally entitled and authorised to act on behalf of the customer for whom you purport to act.
  2. In consideration of you agreeing to be bound by these Terms, Royal London Ireland hereby grants to you a non‐exclusive, non‐transferable, revocable limited licence to use the System subject to and for the purposes set out in these Terms. Royal London Ireland reserves the right to amend, update or alter the System and in such event these Terms shall apply to the System as amended, updated or altered from time to time.
  3. Royal London Ireland shall accept any request for data from a Trusted Third Party with accompanying security identifying the request as originating from you as a request from you.
  4. Royal London Ireland will use its reasonable endeavours to ensure that access to the System will be available during normal business hours. However, Royal London Ireland is under no obligation to provide access and shall have no liability to you for failure to provide access to the System during such hours or at any other time.
  5. Royal London Ireland reserves the right to withdraw your right to access the System and to terminate these Terms at any time without notice and without giving any reason.
  6. All data provided to you as a result of using the System shall at all times remain the property of Royal London Ireland and shall be used by you solely for the purposes of fulfilling your obligations to your clients. You shall at all times keep such data confidential and shall only disclose the data obtained from the System relating to a specific client of yours with the consent of the client in question or where required by law.
  7. The following terms will apply to all electronic communications in respect of Online Applications and Online Policy Changes.:

    1. Your communications shall not be deemed to have been properly received by Royal London Ireland until the communication is accessible by Royal London Ireland.

    2. You accept responsibility and liability for the completeness and accuracy of any communication sent to Royal London Ireland using the System and Royal London Ireland will not be liable for any consequence of any incomplete or incorrect communication.

    3. You authorise Royal London Ireland to treat any electronic communication from you as a valid instruction without the need for further written confirmation. Royal London Ireland will treat your instructions as your own even if you can prove that they were not sent by you or with your authority provided that Royal London Ireland or its employees were not guilty of negligence, fraud or wilful default in treating them as valid instructions.

    4. If you do not receive confirmation or if any aspect of the confirmation received does not accurately reflect the instruction given by you or you receive a confirmation for an instruction relating to business which has not been placed by you, you should immediately notify Royal London Ireland giving full details of the issue. In the event that you fail to notify Royal London Ireland 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 Ireland.

    5. Royal London Ireland reserves the right to obtain from you written confirmation of any instruction sent via the System.

    1. You shall at all times in using personal data received as a result of your access to and use of the System comply with data protection legislation (including, but not limited to: the General Data Protection Regulation (EU) 2016/679; the Data Protection Acts 1988 – 2018; the European Communities (Electronic Communications Networks and Services) (Privacy and Electronic Communications) Regulations 2011; and guidance and codes of practice issued from time to time by the Data Protection Commission, the European Commission and/or the European Data Protection Board in each case as amended, updated or replaced from time to time.

    2. You shall ensure that you have all appropriate measures in place to allow you to hold and process personal data received as a result of your access to and use of the System.

    3. You shall put in place appropriate technical and organisational measures to ensure that the personal data accessed by you via the System is not unlawfully accessed or disclosed to third parties and that there is no accidental loss, destruction of or damage to the personal data.

  9. You shall not disclose to any third party any password or user id allocated to you by Royal London Ireland nor provide to any third party any digital certificate granting access to the System.

  10. You shall immediately upon an employee leaving your employment:

    1. Change all system passwords available to the former employee that are shared with existing employees.
    2. Revoke all digital certificates used to access the System that are used by the former employee.
    3. Contact Royal London Ireland to request that all means of accessing the System available solely to the former employee are cancelled.

  11. You shall notify Royal London Ireland immediately if you become aware, or have reason to believe, that the security of the System has been compromised.

  12. You shall at all times use and access the System in accordance with any guidance issued from time to time by Royal London Ireland and shall not use the System for any unlawful, improper or immoral purpose. Any access to Royal London Ireland’s systems, other than access to the System or any unrestricted access areas on the website at www.royallondon.ie and other related test sites, or inappropriate use of the System will result in the immediate termination of these Terms.

  13. In the event that Royal London Ireland makes software available to you for use in connection with the System (the “Software”) you shall not modify, assign, sublicense, 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 Ireland provides no warranty that the Software is fit for its purpose nor that it is free of errors, viruses or bugs.

  14.    

    1.  

      Royal London Ireland has taken reasonable care to ensure that the information contained on the System is accurate; however, no representation or warranty, express or implied, as to the accuracy or completeness of such information is given.

    2. Royal London Ireland 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 Ireland to make access available to you  or as a result of any damage to your computer systems arising from your use of the System.

    3. Royal London Ireland 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 such instructions, or if Royal London Ireland is unable to obtain payment of the full amount due or if incorrect details are submitted with your instruction.

    4. For the avoidance of doubt, nothing in this clause 13 seeks to exclude or limit any liability which may not lawfully be excluded or limited.

  15. You hereby agree to indemnify Royal London Ireland in respect of any loss, costs, claim, liability, damages or expenses (including legal costs and expenses) suffered by Royal London Ireland as a result of your misuse of the System or any element thereof or any wilful default or fraud by you or any breach by you of the data protection legislation or these Terms. This obligation shall survive any termination of these Terms.

  16. Royal London Ireland shall be entitled to assign these Terms at any time without your consent.

  17. Only you and us shall have any rights to enforce any of these Terms.

  18. 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.  

  19. 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.  

  20. These Terms are governed and construed in accordance with the laws of Ireland and are subject to the exclusive jurisdiction of the courts of Ireland.