Terms of Use

1. General

Please read these terms and conditions (the “Terms of Use”) carefully as they apply to your access and/or use of any information, materials or features/functions included on this website and any subpages thereof. By accessing you acknowledge your agreement with and your understanding of these Terms of Use. If you do not agree to these Terms of Use, please do not access or use is owned and operated by Zurich International Life Limited, a company incorporated under the laws of the Isle of Man with registered number 020126C whose registered address is at Zurich House, Isle of Man Business Park, Douglas, Isle of Man IM2 2QZ (“Zurich”).  

Zurich International Life Limited provides life assurance, investment and protection products and is authorised by the Isle of Man Financial Services Authority. “Zurich International” is the registered business name of Zurich International Life Limited.

Please note: may provide links to other separate Zurich and/or Zurich Group websites, including: which covers the following branches of Zurich International Life Limited:

Zurich International Life Limited – UAE Branch (Registration number 63).
Zurich International Life Limited – Bahrain Branch (Registration number 17444).
Zurich International Life Limited - Qatar Financial Centre Branch (Registration number 00067). which covers the Zurich International Life Limited – Hong Kong Branch. which covers Zurich Eurolife S.A. 

The above mentioned links where provided on are subject to the provisions of section 5 (Links, third party content) of these Terms of Use.

Separate terms of use are applicable to each of the above mentioned Zurich and Zurich Group websites.

These Terms of Use are subject to amendments and changes at any time at Zurich's sole discretion. Your continued use of after we make changes is deemed to be your acceptance of those changes, so please check these Terms of Use periodically for updates. is not directed to any person in any jurisdiction (where by reason of that person’s nationality, residence, citizenship or otherwise) the publication or availability of and its content is contradictory to local laws or regulations. Persons with respect to whom such regulations or prohibitions apply must not access or use You are accessing or using on your own initiative and you are solely responsible for compliance with local laws and regulations that apply to you.


2. General disclaimer

In no event shall Zurich, nor any other affiliate of the Zurich Group, be liable to any party for any cost or damages, including any direct, indirect, special, incidental, or consequential damages, arising out of or in connection with the access or use of, or the inability to access or use or any of its functions or features, including in connection with any browsing or downloading of any information, data, text, images, or other material accessible through or any website linked to or linking into

It is the responsibility of the User of to evaluate the accuracy, completeness, reliability and usefulness of any opinions, services or other information provided. All information provided on is under the condition and understanding of it not being interpreted or relied on as legal, accounting, tax, financial, investment or other professional advice, or as advice on specific facts or matters.

The information and features/functions contained on are provided for your informational and educational convenience only. Nothing on should be relied on in making any specific investment, financial planning, solicitation, offer, advice or other decision. Users should always consider their overall personal circumstances, investment horizon and personal risk preferences. Accordingly, no liability whatsoever is assumed for any use or misuse of such information. Users of should consult their professional advisors with respect to their personal circumstances.


3. Forward-looking statements may contain forward-looking statements. Forward-looking statements provide current expectations of future events based on certain assumptions and include any statement that does not directly relate to a historical or present fact. While such statements may represent Zurich's judgment and expectations as of publication, a number of risks, uncertainties and other important factors could cause actual developments and results to differ materially from Zurich's expectations. Therefore, you must not place any reliance on forward-looking statements on Zurich is under no obligation to update or alter forward-looking statements on whether as a result of new information, future events, or otherwise.


4. Intellectual property

“Zurich” and its logos are registered trademarks of Zurich Group. Except as indicated otherwise, all intellectual property, especially copyright and trademark rights, and similar rights in the information, text, graphic images, logos, features or functions, and layout (including the “feel and look”) contained on are the exclusive property of Zurich Group, and may not be copied, reproduced, posted, transmitted or distributed, in whole or in part, in any form (electronic or written) without first having obtained Zurich Group's express written consent. The copyright in some documents and other material available on belongs to third parties and such documents and other material have been produced on with the permission of the third party copyright owners. You must check copyright notices on or in respect of such documents or material.


5. Links, third party content

The links from to other websites, including websites from Zurich and other companies within the Zurich Group are provided for your information and convenience only.

Zurich does not assume any responsibility or liability with respect to any website linked (or any website linking into, including its content and operation.) Zurich does not review or monitor such links. Some websites may be outside your country and subject to different regulators and rules.

A link from to another website (or a link from another website to does not constitute a referral, endorsement, approval, advertising, offer or solicitation with respect to such website, its contents, or any products or services advertised or distributed through that website.


6. Data protection

For information about how we use personal information and your privacy rights, please refer to Zurich’s privacy notice which can be found on For information about cookies and other technical data related to, please refer to Zurich’s cookies policy which may also be found on


7. User conduct

When accessing or making use of any part of you may not:

  • Post or transmit any unlawful, threatening, abusive, libelous, defamatory, obscene, pornographic, profane or otherwise objectionable information of any kind, including without limitation any transmissions constituting or encouraging conduct that would constitute a criminal offense, give rise to civil liability or otherwise violate any national or international law;
  • Post or transmit any information or software which contains a virus, worm, trojan horse or other harmful component;
  • Interfere with the functioning of or restrict or inhibit any other user from using;
  • Post, publish, transmit, reproduce, distribute or exploit any information, software or other material obtained through for commercial purposes without the prior written consent of Zurich;
  • Post or upload content on, in which you don't own the respective rights.

You will indemnify Zurich for any costs or damages that Zurich incurs as the result of any such inappropriate content per the above being uploaded by you.



8. Applicable law and jurisdiction

These Terms of Use shall be governed by and construed in accordance with the laws of the Isle of Man. You agree to submit to the exclusive jurisdiction of the courts of the Isle of Man in the event of any dispute that may arise under these Terms of Use.

In the event that these Terms of Use are translated into any other language, the English version will prevail.