Detailed legal information about the use of our website
These terms apply to the use of the website by you as an authorised financial adviser. By using our site you agree that you've read and will comply with these terms. If you don't agree to be bound by the terms set out below, please don't use our site.
All LV= products and services have separate terms and conditions.
Copyright, trademark and website content
All copyright, trademarks and other intellectual property rights in all material or content on our website belong to Liverpool Victoria Friendly Society Limited. You can only download material from this website for your own use and to apply for our products. You won't have any right, title or interest in any material you download.
You can't use the material and content on our website in any other way. You agree not to copy, reproduce, transmit, download, frame, publish, display, distribute, commercially exploit or create anything using this material, unless we give you permission beforehand.
Our liability to you
We do all we can to make sure everything we publish on our website is accurate, but we don't give any guarantees about the information on it. We disclaim any representations and warranties, unless they've been made fraudulently.
We've taken all reasonable steps to protect our website with antivirus software. But we can't guarantee that our website will meet your needs or that:
- it will be timely, secure or error-free
- any defects will be corrected
- our website or the server that makes it available are free of viruses or bugs or will allow the full functionality, accuracy or reliability of the materials.
We won't be liable if you lose any content or material uploading or transmitting through our site.
We can't guarantee that we can provide a particular product at any particular time or that a product will be available from day to day. We do not accept any liability for withdrawing any product or for rejecting an application for a product for any reason.
Neither we nor any of our directors, agents or employees will be liable for damages arising from you using our website. This applies to damages of any kind, including compensatory, direct, indirect or consequential damages, loss of data, income or profit, loss or damage to property and claims of third parties. However we may be liable if there’s a death or personal injury as a result of negligence on our part.
The information on our website may not include all of our products.
It is your responsibility to understand the product features and risks before deciding if the product is suitable for your client.
You promise to fully compensate us for any loss or damage resulting from claims, actions, liability, losses, costs and expenses relating to your use of this site. This includes legal fees that result from you going against these terms or any other liabilities arising from you using our website.
We can change or withdraw (temporarily or permanently) our website or any part of it at any time without giving you notice. We won't be liable to you in any way if we do this.
We may change these terms without telling you. We'll publish any changes we make on our website, so please check from time to time to make sure you've seen the latest version of our terms. If you continue to use our website after we’ve posted changes to our terms, we'll take it that you have accepted the revised terms.
We may refuse to process a transaction at any time and for any reason. We won't be liable to you or any third party if we do this.
We may monitor the information that's sent to our website.
How we collect your information
We collect personal information (such as name, address, date of birth, occupation and bank account details) when you apply to us for any of our products and services on behalf of your clients. We may get information directly from you or from a third party such as a credit reference agency.
We'll also collect information about you when you register to use the services on our website. Depending on the product or service you apply for on behalf of your clients, the information you give may be classed as sensitive personal data. For example, we may need to ask you questions about health or convictions.
We'll only ask you for or use this sort of information to help us administer the business. We won't use it for marketing purposes, for example.
How we use the information we collect
We put your information on database systems and we may keep it in paper files where appropriate. You'll find more details on how we use it and which LV= company collects it (click to view companies), in individual application declarations – here are the main uses:
- To give you a quotation
- To manage the services we provide and to administer your records and those of your clients
- To improve and develop our products and services
- To respond to any questions given to us
- To keep you informed of our products and those of other carefully selected organisations which we think you'll be interested in (unless you opt out from receiving this information).
How we share your information
If you apply for one of our products on behalf of your clients we may share the information, for example with credit reference agencies. You’ll find more detail about this on the individual application forms and information request forms on our website.
Keeping your information secure
We look after personal data by security that's appropriate for its nature and the harm that might result from a breach of security.
We don't ask you for any more information than we need, and we don't keep the information for any longer than we need to.
We will take reasonable steps to keep the details up to date and accurate. Please bear in mind that we may hold on to records after we've stopped providing our service. This is to make sure we have an effective audit trail and to comply with legislative and/or regulatory requirements.
The Data Protection Act 1998 gives certain rights, for example:
- Accessing certain personal data we hold by writing to CCA Department, County Gates, Bournemouth, BH1 2NF. A fee is payable for this.
- Asking us in writing to stop or not or not start processing personal data if this is causing or likely to cause unwarranted substantial damage or distress (unless it is allowed for by the Data Protection Act 1998).
- You can tell us not to use information about you for direct marketing purposes. Direct marketing means any advertising or marketing material that's sent to you. You can opt out of our direct marketing at any time.
Cookies can be turned off by adjusting your browser settings. On most PCs and laptops you can do this by choosing 'Control Panel' from the 'Start' menu, and then 'Internet Options'. On the 'Privacy' tab you’ll then need to set the slider to 'Block all Cookies'. However, by blocking all cookies this may mean you won’t be able to use some parts of this or other websites. On this website, blocking cookies will mean that you can’t sign in.
The information on our website applies to residents of the UK only. You'll find more details about this in individual products.
If your client takes out a product with us they may also be able to enforce these terms and conditions under the Contract (Rights of Third Parties) Act 1999. Your client won’t be told if we withdraw or change these terms and conditions. No other third parties have any rights to enforce these terms and conditions under the Contract (Rights of Third Parties) Act 1999.
We won't be liable if we can't carry out our obligations because of circumstances beyond our control. If any part of these terms is found to be legally unenforceable, the other parts will be unaffected and shall stay in force. These terms are governed by the law of England as applied by the courts for that part of the UK where you live. We'll always communicate in English.
Liverpool Victoria Friendly Society Limited: County Gates, Bournemouth, BH1 2NF
Liverpool Victoria Friendly Society Limited (LVFS) is authorised and regulated by the Financial Services Authority register number 110035. LVFS is a member of the ABI, AFM and ILAG. Registered address: County Gates, Bournemouth, BH1 2NF. Tel: 01202 292333