1. Website use 

This page (together with the documents referred to on it) tells you the Terms of Use on which you may make use of Our website
('Our site'), whether as a guest or a registered user. Please read these Terms of Use carefully before you start to use Our site. By using Our site, you indicate that you accept these Terms of Use and that you agree to abide by them. If you do not agree to these Terms of Use, please refrain from using Our site. 

2. Information about us is hosted and maintained by Zurich Insurance (Isle of Man) Group Services Limited, for the following companies: 
Zurich International Life, a business name of the following legal entity:
Zurich International Life Limited provides life assurance, investment and protection products and is authorised by the Isle of Man Financial Services Authority. 
Registered in the Isle of Man under number 20126C. 
Registered office: Zurich House, Isle of Man Business Park, Douglas, Isle of Man, IM2 2QZ, British Isles. 
Telephone: +44 1624 662266 
Telefax: +44 1624 662038 
(together “We” or “Us” or “Our” ). 

Zurich International Life Limited is fully authorised under the Isle of Man Insurance Act 2008 and is regulated by the Isle of Man Financial Services Authority which ensures that the company has sound and professional management and provision has been made to protect planholders. 

Zurich International Life Limited is registered (Registration Number 63) under UAE Federal Law Number 6 of 2007, and its activities in the UAE are governed by such law. 
Zurich International Life Limited is registered in Bahrain under Commercial Registration No. 17444. 
Zurich International Life Limited is authorised by the Qatar Financial Centre Regulatory Authority. 
For life assurance companies authorised in the Isle of Man, the Isle of Man’s Life Assurance (Compensation of Policyholders) Regulations 1991, ensure that in the event of a life assurance company being unable to meet its liabilities to its planholders, up to 90% of the liability to the protected planholder will be met. 
The protection applies to the solvency of Zurich International Life Limited and does not extend to protecting the value of the assets held within any unit-linked funds linked to a policy. 
Policy owners will not be protected by the United Kingdom Financial Services Compensation Scheme. 
We do not sell Our products direct to the general public. Therefore any information provided on Our site is not intended to be used as an offer to invest or for direct purchase by you from Our site. 
The laws that govern the contractual basis of any policy taken out with Us will depend on which company has issued it and where you are resident when it was issued. If you are unsure about the laws that apply, you should contact the Zurich office that issued your policy. 

3. Accessing our site 

Access to Our site is permitted on a temporary basis, and We reserve the right to withdraw or amend the service We provide on Our site without notice (see below). We will not be liable if for any reason Our site is unavailable at any time or for any period.
From time to time, We may restrict access to some parts of Our site, or Our entire site, to users who have registered with Us. 
If you choose, or you are provided with, a user identification code, password or any other piece of information as part of Our security procedures, you must treat such information as confidential, and you must not disclose it to any third party. We have the right to disable any user identification code or password, whether chosen by you or allocated by Us, at any time, if in Our opinion you have failed to comply with any of the provisions of these Terms of Use. 

4. Intellectual property rights 

We are the owner or the licensee of all intellectual property rights in Our site, and in the material published on it. Those works are protected by copyright laws and treaties around the world. All such rights are reserved. 
You may print off one copy, and may download extracts, of any page(s) from Our site for your personal reference and you may draw the attention of others within your organisation to material posted on Our site. You must not modify the paper or digital copies of any materials you have printed off or downloaded in any way, and you must not use any illustrations, photographs, video or audio sequences or any graphics separately from any accompanying text. 
Our status (and that of any identified contributors) as the authors of material on Our site must always be acknowledged. 
If you print off, copy or download any part of Our site in breach of these Terms of Use, your right to use Our site will cease immediately and you must, at Our option, return or destroy any copies of the materials you have made.

5. Reliance on information posted

Commentary and other materials posted on Our site are not intended to amount to advice on which reliance should be placed. We therefore disclaim all liability and responsibility arising from any reliance placed on such materials by any visitor to Our site, or by anyone who may be informed of any of its contents. 

6. Our site changes regularly

We aim to update Our site regularly, and may change the content at any time. If the need arises, We may suspend access to Our site, or close it indefinitely. Any of the material on Our site may be out of date at any given time, and We are under no obligation to update such material. 

7. Liability 

The material displayed on Our site is provided without any guarantees, conditions or warranties as to its accuracy. To the extent permitted by law, We, other members of Our group of companies and third parties connected to Us hereby expressly exclude: 
All conditions, warranties and other terms which might otherwise be implied by statute, common law or the law of equity. 
Any liability for any direct, indirect or consequential loss or damage incurred by any user in connection with Our site or in connection with the use, inability to use, or results of the use of Our site, any websites linked to it and any materials posted on it, including, without limitation any liability for: 
loss of income or revenue;
loss of business; 
loss of profits or contracts;
loss of anticipated savings; 
loss of data; 
loss of goodwill; 
wasted management or office time; and for any other loss or damage of any kind, however arising and whether caused by tort (including negligence), breach of contract or otherwise, even if foreseeable. 
Our site is not directed to any person or business in any jurisdiction where the publication or availability of Our site and its content is contradictory to local laws or regulations. Persons or businesses with respect to whom such restrictions or prohibitions apply must not access or use Our site. In accessing or using Our site you do so on your own initiative and are solely responsible for compliance with the applicable local laws and regulations. 
The provisions of item 7 above does not affect Our liability for death or personal injury arising from Our negligence, nor Our liability for fraudulent misrepresentation or misrepresentation as to a fundamental matter, nor any other liability which cannot be excluded or limited under applicable law. 

8. Information about you and your visits to our site

We process information about you in accordance with Our privacy policy. By using Our site, you consent to such processing and you warrant that all data provided by you is accurate. 

9. Viruses, hacking and other offences

You must not misuse Our site by knowingly introducing viruses, trojans, worms, logic bombs or other material which 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. 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. 
We will not be liable for any loss or damage caused by a distributed denial-of-service attack, viruses or other technologically harmful material that may infect your computer equipment, computer programs, data or other proprietary material due to your use of Our site or to your downloading of any material posted on it, or on any website linked to it. 

10. Linking to our site

Our site must not be framed on any other site, nor may you create a link to any part of Our site other than the home page. We reserve the right to withdraw linking permission without notice. If you wish to make any use of material on Our site other than that set out above, please address your request to

11. Links from our site

Where Our site contains links to other sites and resources provided by third parties, these links are provided for your information only and no representations or warranties are made by Us as to the content or accuracy of any information contained in those sites. We have no control over the contents of those sites or resources, and accept no responsibility for them or for any loss or damage that may arise from your use of them. 
Where Our site links to other third party sites that contain information about the past or present status of a fund you must be aware that past performance is not a guide to future performance. The value of any investment and the income from it can fall as a result of market and currency fluctuations and you could get back less than the amount originally invested.

12. Jurisdiction and applicable law

These Terms of Use shall be governed by and construed in accordance with the laws of the Isle of Man in respect of Zurich International Life Limited. The User submits to the exclusive jurisdiction of the courts of the Isle of Man as the case may be. In the event that this Agreement is translated into any other language, the English version shall prevail. 

13. Variations 

We may revise these Terms of Use at any time by amending this page. You are expected to check this page from time to time to take notice of any changes We make, as they are binding on you. Some of the provisions contained in these Terms of Use may also be superseded by provisions or notices published elsewhere on Our site. 

14. Your concerns 

If you have any concerns about material which appears on Our site, please contact

Thank you for visiting Our site.