Terms of use

Here's what you need to know when using LV.com

Policy last updated on 7 November 2023

All copyright, trademarks and other intellectual property rights in the material or content on our website belong to or are licensed by Liverpool Victoria Financial Services Limited. You can only download material from this website for your own use. 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 in writing 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 when uploading or transmitting it 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 don’t accept liability for withdrawing any product or rejecting your 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.

We don’t offer advice about the suitability of the products available on our website. We recommend that you seek financial advice to help decide whether they’re suitable for you.

Our website contains links to other sites, and we’re not responsible for the contents of any of these other websites. You should always read the privacy statements and terms of use whenever you go into a linked website.

The information on our website may not include all of our products.

Your promise

You promise to fully compensate us for any loss or damage resulting from claims, actions, liability, costs and expenses relating to your use of this site or arising from any breach by you of these terms of use. This includes legal fees.

Our rights

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 information that's sent to our website.
We'll capture your IP Address to help us monitor and enhance your experience when using our websites. If you would like more information on how we use your IP address, please visit our Cookie policy.

General information

The information on our website applies to residents of the UK only. You'll find more details about this in individual products.

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 Financial Services Limited: County Gates, Bournemouth, BH1 2NF
LV= and Liverpool Victoria are registered trademarks of Liverpool Victoria Financial Services Limited (LVFS) and LV= and LV= Liverpool Victoria are trading styles of the Liverpool Victoria group of companies.
Liverpool Victoria Financial Services Limited, registered in England with registration number 12383237 is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority, register number 110035. Registered address: County Gates, Bournemouth, BH1 2NF.