Legal and security

Legal information

Our general site terms and conditions govern the use of this website and are set out below. Please read them carefully as by using the site you indicate your acceptance of them. For ease of use you may either read by scrolling down using the scroll bar to the right of the screen or click on each heading to locate specific company details. The various companies within the Legal & General group are authorised and regulated by the Financial Services Authority.
Legal & General International (Ireland) Limited is authorised by the Financial Regulator in Ireland.

General Site Terms and Conditions

Advice

Nothing in this site shall be deemed to constitute financial or other professional advice in any way. You should consult your financial adviser or other professional adviser if you require any financial advice. In choosing to buy any Legal & General International product from this site you should not rely solely on the information contained within the site pages. You should carefully read the policy documentation and/or terms and conditions relating to any specific product before purchasing.

Variation of content

Legal & General International reserves the right in its absolute discretion at any time and without notice to remove, amend or vary any of the content which appears on any page of this site, including any terms and conditions. Any changes to these terms and conditions will be posted on this site and by continuing to use this site following any such change you will signify that you agree to be bound by the revised conditions.

Data protection

Legal & General International complies with its obligations under the Data Protection Acts 1988 and 2003 relating to the holding of personal data. Where we hold data about you we will only use this for the purposes you have agreed to.

You have the right to request a copy of the personal data we hold on you in return for the payment of a small fee and to require us to correct any inaccuracies in the personal data.

Privacy statement

We treat all the information provided by you with the utmost care and security. Any details you give will remain confidential and will only be disclosed where disclosure is made at your request, with your consent or where we are legally obliged to do so. The information collected by us will be used only for the purposes stated by us and agreed by you. Where we use your personal details to send you information about other products and services, we will give you the opportunity to tell us that you do not want it to be used.

Links to other sites

The links to other sites on the Internet are purely to allow you access to more information on related topics. Legal & General International does not necessarily own or control such sites and so accepts no responsibility for information contained in any such other sites or for the fact that such sites may not be available at all times. Please note that when accessing another site by way of a hypertext link you will leave the Legal & General International site.

Disclaimer

Whilst Legal & General International has taken all reasonable steps to ensure that the information contained within the pages of this site is accurate, current and complies with the relevant legislation and regulations, no warranty is given and no representation is made regarding the accuracy of or completeness of the content of this site.

Consequently, Legal & General International accepts no liability for any losses or damages (whether direct, indirect, special, consequential or otherwise) arising out of errors or omissions contained in this website. Further, no warranty is given that this site shall be available on an uninterrupted basis and no liability can be accepted in respect of losses or damages arising out of such unavailability. In addition, no liability can be accepted in respect of losses or damages arising out of changes made to the content of this site by unauthorised third parties.

You acknowledge that you are solely responsible for the use to which you put this site and all the results and information you obtain from it and that all warranties, conditions, undertakings, representations and terms whether expressed or implied, statutory or otherwise are hereby excluded to the fullest extent permitted by law.

Nothing in these terms and conditions shall exclude, limit or restrict
Legal & General International's duties and liabilities to you under the Financial Services and Markets Act 2000 and any subsequent amending or replacement legislation which regulates the carrying out of investment or financial business in the United Kingdom, or any conduct of business rules which we are bound to comply with. Further, nothing in these terms and conditions shall attempt to exclude liability for death or personal injury or for fraudulent misrepresentation.

Copyright and trade marks

Copyright in the pages of this site, in the screen displaying the pages and in the information, texts, graphics and material contained therein and their arrangement is owned by Legal & General International, unless otherwise stated. All trade marks, service marks, company names or logos are the property of their respective holders and no permission is given by Legal & General International in respect of the use of any such trade marks, service marks, company names or logos and such use may constitute an infringement of the holders' rights.

You may store, manipulate, analyse, reformat, print and display the content of this site solely for your own personal use. Any other use of materials on this site is strictly prohibited. In no event are you permitted to publish, re-transmit, re-distribute or otherwise reproduce any of the content that appears on any page of this site in any format to anyone, and you are prohibited from using any such content in connection with any business or commercial enterprise.

Invalidity

Residence

The pages of this site are prepared and issued in the United Kingdom and are intended for the information of United Kingdom residents only. Unless otherwise stated, all of the products are only available to applicants resident in the United Kingdom and aged 18 years or over.

Governing law

By accessing these pages you agree to be bound by these terms and conditions. They shall be governed by and interpreted in accordance with the laws of England and Wales and the English courts shall have jurisdiction to resolve any disputes between us.

Personal investing

The capital value of investments and the income from them can go down as well as up and an investor may not get back the amount invested. Prospective investors should be aware of the underlying risks associated with investing in shares listed on certain stock markets which can be more volatile and less marketable than in more developed stock markets. The value of shares may rise or fall due to changes in the rate of exchange in the currency in which the funds are denominated if it is different from the investors' own currency. If you have any doubts at all about investing you should consult a financial adviser.

Complaints or Queries

For further information or if you wish to complain about any aspect of the service you have received from Legal & General International, please contact us at:

Legal & General International (Ireland) Limited
Beaux Lane House
Lower Mercer Street
Dublin 2
Ireland
Telephone: 0845 6740 803

Call charges will vary. We may record and monitor calls.

Complaints we cannot settle can be referred to the Financial Services Ombudsman.

The address is:

Financial Services Ombudsman's Bureau,
3rd Floor, Lincoln House
Lincoln Place
Dublin 2
Ireland

Telephone: +353 1 662 0899

Website: http://www.financialombudsman.ie

The final decision of the Ombudsman is binding on both parties subject only to appeal to the Irish High Court. Making a complaint will not prejudice your right to take legal proceedings.

Compensation

Under the Financial Services Compensation Scheme, which was established under the Financial Services and Markets Act 2000, should the company be unable to meet all its liabilities to investors, compensation may be available. Information can be obtained on request.

Legal & General International (Ireland) Limited

Registered Details

Legal & General International (Ireland) Limited
Registered in Ireland Number: 440141
Registered Office:

Beaux Lane House
Lower Mercer Street
Dublin 2
Ireland

Irish Insurance Federation

Legal & General International (Ireland) Limited is a member of the Irish Insurance Federation.

A Member of the Association of International Life Offices.

Privacy policy

Our commitment to your privacy.

We are committed to protecting your privacy and keeping your personal information secure. This policy sets out how we collect information you send us on our website. This will help you decide how you want to use our site, products and services.

We will never release information about our customers or business partners to any other person or organisation without your consent, unless:

there is an emergency;
we genuinely believe that we must do so by law; or
we need to protect your legal rights.

This privacy policy only covers our consumer website at www.legalandgeneralinternational.com. Other links within this site to other websites are not covered by this policy.

General Information

Data Protection
Information we collect:
- Information which allows us to process your requests
- Information which allows us to contact you, such as email address
- Website information
Use of cookies
How to find and control your cookies
Security facts
Revealing information to others
Your permission

Data Protection
We keep to our obligations under the Data Protection Acts 1988 and 2003 that relate to holding personal data. If we hold this type of information about you, we will only use this for the purposes you have agreed to.

You have the right to see a copy of the personal data we hold about you and you can make us change any information that is incorrect. To provide a copy of this type of information we will ask you for a small fee.

Information we collect
When you visit our website we may collect the following information from you:

Personal information you choose to disclose, that we collect on an individual basis and allows us to process your request.
Personal information you choose to reveal that we collect and which allows us to contact you.
Information on our website we collect generally as you and others browse our site.

Information which allows us to process your request
If you use our services to get a quote, to contact us or to buy a product, you may have to enter personal information for us to process your request. You will find full details of the information you need to buy a product at the start of each application. We will only use the personal information you give us to process your request, unless we tell you otherwise when we collect it.

Information which allows us to contact you, such as your email address

We may use the details you give us to contact you about the services we offer. Unless you ask otherwise, we may also send you emails about the latest products and services that we can offer. We will always give you the choice of whether to receive these emails. If you communicate with us by email, we may keep your email, together with your email address and our reply, for our business records. We give the same protection to our electronic communications as we do to information we receive by post or phone. We will not pass your contact details to any one else without your consent.

Website information
We collect information about trends in user behaviour on our website to show us which parts of our site are most commonly used and those that we may need to develop to make it easier for you to use.

This data will not be used by Legal & General International in conjunction with data that identifies you as an individual.

Security facts

We use the latest secure server software that encrypts (turns into code) all information you give us before you send it to us. This means the information you send to us, using our website, stays private and secure while it is being sent.

If you send us an email from your private mailbox, we cannot guarantee the security of the content until we actually receive it. For that reason, please do not send an unsecured email with confidential information such as your National Insurance or bank account numbers from outside our website.

Likewise, if we send an email to your mailbox, for example to reply to an enquiry, we cannot guarantee it will stay private once the email has left us.

This means that we do not accept responsibility for the security of emails outside our systems, or accept liability if anything happens to your emails (for example, if they are intercepted) outside our systems.

If you ask us to email you information that is personal or confidential, we may need to ask you for extra information to check your identity and to give your authority to send that information to you. We have to do this under the Data Protection Act.

Revealing information to others
We do not sell, rent or trade your personal information to others. We may give general statistics about our customers, sales, and related site information to other companies. These statistics will not include any information that personally identifies you, unless we have said otherwise in this policy.

Your permission
When you use our website, you agree to us collecting and using information as we have described. If you have any further questions about our privacy policy please contact us using our internet support facility. If we change our privacy policy, we will post the changes on this page so that you are always aware of:

what information we collect,
how we use it, and
in what circumstances we reveal it.

Security information

Legal & General International’s secure-server software encrypts all the personal information that you enter on our website. This helps to protect your data from prying eyes, abuse or tampering as it travels the Internet between your browser and our server.

In order to be confident that your information will be safe if sent to us through our secure server link, we recommend that you use a browser which supports 128 bit encryption. A browser which supports this level of encryption is available from Microsoft (Version IE6.0 and above) or Netscape (Version NS6.0 and above).

By using this technology, Legal & General International enables customers to make financial transactions over the Internet with confidence.

Links to other websites
Legal & General International accepts no responsibility for information contained in any other sites which can be accessed by hypertext links or sites not being available at all times. Please note that when you click on any external site hypertext link, you may leave the Legal & General International site.

Downloads
Our site makes use of several multimedia items, which require you to have the appropriate plug ins in your browser. If you do not have a particular plug in already, you may download it from the original site by using the relevant text link. Please note that any software is downloaded at your own risk.

Legal & General International does not warrant the suitability of any such software which is downloaded and accepts no liability for any problems with your computer that may arise as a result. If you are in any doubt as to the suitability of software to be downloaded for your computer, it is recommended that you obtain specialist advice before downloading.

Security update - Phishing
What is 'Phishing'?

Phishing is an email scam by fraudsters to deceive consumers into disclosing their credit card numbers, bank account information, Social Security numbers, passwords, and other sensitive information.

The emails pretend to be from businesses the potential victims deal with, for example, their Internet service provider (ISP), online payment service or bank. The emails tell recipients that they need to ‘update’ or ‘validate’ their billing information to keep their accounts active. They direct them to a ''look-alike'' website of the business, and so trick consumers into thinking they are responding to a genuine request. Unknowingly, consumers submit their financial information, not to the business, but to the fraudsters, who can use it to order goods and services and obtain credit.

Please note that Legal & General International will never send emails to you that ask for confidential or security information

Please note that Legal & General International will never send emails to you that ask for confidential or security information

If you receive an email claiming to be from Legal & General International that asks for personal information to update your online servicing, do not reply or click on any link in the email.

Instead, contact our helpdesk directly either by email websupport@landg.com or call 0800 096 6959*. If you are concerned you have may have already disclosed personal or security information please contact us immediately.

* Lines are open 8am to 8pm Monday to Friday.We may record and monitor calls.

Use of cookies

Cookies are small text files placed on your computer when you browse a website. In common with many other websites, Legal & General use cookies for a variety of purposes.

Legal & General International use 'first party cookies' in a general way, to gauge use of our website and measure response to our publicity and site usage.

Legal & General International may use the same cookie for more than one purpose. For example, to understand the effectiveness of a campaign a cookie may be used to measure media responsiveness and site navigation.

Legal & General International will not use data from which you can be individually identified in conjunction with data that tracks general user behaviour.

Most browsers are set to automatically accept cookies and if you're using Microsoft's Internet Explorer, Mozilla Firefox or Netscape Navigator you should be able to configure your browser to restrict or block cookies, or you may wish to delete them.

For example, you may decide to delete or block the tracking cookie(s). The main one is set by the domain report.legalandgeneral.com and is managed by our agent Red Eye International Ltd. For your information, this particular cookie cannot be used or accessed by any company besides Legal & General International.

Please note that should you block all cookies, you may not be able to use some of the forms on our site. If you block our tracking cookie only, your use of our site during a session should not be affected.

How to find and control your cookies
You can set your computer to accept all cookies, tell you when a cookie is issued, or not to receive cookies at any time. If you decide not to receive cookies it may limit your use of our website and services.

Below are the instructions on how to find your cookie settings:
If you're using Netscape 6.0:
On your Task Bar, click:

Edit
Preferences
Click on Advanced
Click on Cookies.

If you're using Internet Explorer 6.0:

Choose Tools
Click the Privacy Tab
Click on the 'Advanced' button
Click on Cookies.
Tick the 'override automatic cookie handling' box and select Accept, Block or Prompt for action as appropriate.

If you're using Mozilla Firefox 1.5:

Choose Tools
Options
Click the Privacy Icon
Cookies

If you're using Internet Explorer 5.0 or 5.5: