Legal information

These are the terms and conditions which apply to your use of this website. Please read them carefully. By proceeding with access to this website you are deemed to have accepted these terms and conditions.

You are required to read this important information carefully before you proceed any further with access to this website. Friends Life Services Limited reserves the right at its discretion to amend, update, modify or replace these terms of business at any time without notice. These terms were last updated on
16th September 2010.

Please note that this website is intended for use by residents of the United Kingdom whilst in the United Kingdom only. It is not applicable to residents/investors of other countries because the law in other countries may restrict the distribution of the information and products on this website. For the avoidance of doubt none of the information on this website constitutes an offer to contract in any country in which it is available including the UK.


This site is provided by Friends Life Services Limited ('FLSL'), Pixham End, Dorking, Surrey, RH4 1QA. Registered company number 3424940.

Some of the information available on this website has been provided by other companies/organisations who are responsible for that information. Separate terms and conditions govern that information and these are available when you access the relevant pages within the websites of those companies.

This website may also contain hypertext links to websites operated by other third parties. The responsibility for those websites belongs to the third parties who are identified as operating those websites. Separate terms and conditions will also apply to those websites.


FLSL will endeavour to ensure that this website is accessible for 24 hours a day but will not be liable if, for any reason, the website is unavailable for any time or for any period.

FLSL will have the right to suspend access to the site temporarily or permanently and without notice.

FLSL will not be liable for any loss or damage arising in contract, tort or otherwise if this website is unavailable or is suspended for any reason.


The information contained on this website is provided for information purposes only and FLSL will use reasonable care and skill to ensure that it is accurate at the date of publication.

However, because of the nature of the internet, there may be circumstances in which errors or omissions in the information may occur which are beyond the reasonable control of FLSL, for example unauthorised access by a third party. Consequently FLSL makes no warranty as to the accuracy of any information on this Website and will not be liable for loss or damages arising, in contract, tort or otherwise, directly or indirectly from the use of or reliance upon any information contained on this Website, unless the accuracy of the information has been checked with FLSL before reliance is placed upon it. Nothing in these terms and conditions shall exclude or limit FLSL's liability for death or personal injury caused by negligence, fraud, misrepresentation as to a fraudulent matter or any other liability which cannot be excluded or limited under applicable law.

The information and features of the site do not constitute any form of advice or recommendation by FLSL and are not intended to be relied upon by users in making (or refraining to make) any specific investment decisions.

Data Protection and Security and Privacy Statement (Please read in conjunction with the Security and Privacy Statement accessible by clicking the link at the top of each page)

All personal information you supply to FLSL will be treated in accordance with the Data Protection Act 1998 as amended and with the Privacy and Electronic Communications Regulations 2003 as amended. Additional information regarding the privacy of personal data, and the use of cookies, is available in our Security and Privacy Statement and shall apply to your use of this website.

This website may write small files to your computer called 'cookies' to help personalise the service for you. It is not possible to identify a particular user by means of a Cookie alone. You may choose to disable or to change the way your computer handles a Cookie that is held on your computer.

To assist us in processing your information FLSL may use other companies in its corporate group or companies who work under contract to FLSL. This may include companies who are located outside of the European Economic Area. By entering this site, you consent to such use of your personal data.

FLSL will take all reasonable steps to ensure that any information you provide via email on this website is kept secure, but please remember that, because of the nature of the internet, the security of emails cannot be guaranteed. Consequently your privacy cannot be guaranteed. There is no guarantee that any emails sent will be received by us.


This Website contains hypertext links to other websites. The responsibility for those websites is that of the parties who are identified as providing those sites and FLSL can accept no responsibility for them or their use.

FLSL accepts no responsibility for the content of or your use of any website which is accessed via a hypertext link from this website.

FLSL cannot warrant that this website is free of viruses or technical defects of any description, and accepts no responsibility for any technical problems arising from your use of this website.

FLSL reserves the right to change the content, presentation, user facilities and availability of any part of the Website at any time and at its sole discretion.

Copyright and other Intellectual Property Rights

FLSL and other providers of information on this website own and/or have rights to use the copyright and all other intellectual property rights existing on or within this website including all the FLSL trade marks visible on the Website.

You are permitted to download, print, redistribute and extract our standard reports giving information on the pension scheme(s) you are registered to view from this website. However, you are not permitted to use this information other than for your usual business activities as an employer, trustee or financial adviser i.e. you are not allowed to use it for personal or commercial use.

You are not permitted to reproduce, modify or in any way change any of the information available on this website.

Additional information regarding the privacy of personal data, and the use of cookies is available in our privacy policy.

Applicable Law

FLSL has established this website in England. English Law shall govern its use at all times and in the event of a dispute the parties shall irrevocably submit to the exclusive jurisdiction of the English Courts.

Service Availability

Online new business and policy servicing are available during the following core hours:

  • Monday-Friday: 8am-8pm
  • Saturday: 8am-4pm