| 1. For full details
of all products mentioned on this web site, please refer to the Policy Terms
and Conditions, copies of which are available on request.
2. The following information
is designed to inform and protect you. There are certain legal and regulatory
limitations that apply to the information contained on this web site and
by proceeding you are deemed to have read and understood this warning.
3. This web site is governed
by Isle of Man law and any dispute or action arising out of the use of this
web site shall be determined in accordance with such laws.
4. This web site has been
approved by LCL Group Limited.
5. LCL International Life Assurance Company Limited provides life assurance and investment products.
Registered in the Isle of Man: No. 27082C
Contact Office:
PO Box 391
St George's Court
Upper Church Street
Douglas
Isle of Man
IM99 2XW
Telephone: +44 1624 683683
Telefax: +44 1624 683684
Registered office:
15-19 Athol Street
Douglas
Isle of Man
IM1 1LB
6. LCL International Life Assurance Company Limited is fully authorised under the Isle of Man Insurance
Act 1986 which ensures that the company has sound and professional management
and provision has been made to protect policyholders. LCL International Life Assurance Company Limited is supervised by the Isle of Man Insurance
and Pensions Authority and is a member of the Association of International
Life Offices.
7. Holders of policies issued
by LCL International Life Assurance Company Limited will be protected by
the Isle of Man Life Assurance (Compensation of Policyholders) Regulations
1991 should LCL International Life Assurance Company Limited be unable to
meet its liabilities. Policyholders will not be protected by the United
Kingdom Financial Services Compensation Scheme.
8. LCL International Life Assurance Company Limited does not accept responsibility for any actions
or inactions resulting from this web site. LCL International Life Assurance Company Limited may suspend or withdraw access to the pages of this web
site without notice at any time and accepts no responsibility for non-availability
of web pages. This information is only a summary and may be subject to change
without notice. It was obtained from what we believe to be reliable sources.
However, its accuracy and completeness cannot be guaranteed. Neither LCL International Life Assurance Company Limited nor any associated companies
or representatives, can accept responsibility for any errors or omissions.
9. Complaints about our products
or service will be dealt with in accordance with our Complaints Policy,
a copy of which is available on request. In the event that we are unable
to resolve a dispute customers have the right to refer the matter to the
Isle of Man Financial Services Ombudsman Scheme.
10. If a policyholder becomes
resident in the United States or its territories* we reserve the right to
place restrictions on the policy.
Policy holders should also be aware that policies have not
been designed to qualify for favourable tax treatment as a
life policy or an annuity under US tax laws. Consequently,
during any period that a policy holder is US taxpayer, income
or capital growth on a policy is likely to be subject to current
taxation in the US on a yearly basis.
11. The information is not
to be reproduced, copied or made available to others. Any research or analysis
used in the preparation of this web site has been procured by LCL International Life Assurance Company Limited for its own use and it may have been acted
on by the company for its own purposes.
12. "Intellectual Property
Rights" means any patents, copyright, database rights, design rights,
registered designs, trade marks or service marks, trade names or ‘know-how’ (whether registered or not) and all rights or forms of protection
of a similar nature existing anywhere in the world.
All intellectual property rights on this site are owned by or licensed
to LCL International Life Assurance Company Limited, and may not be reproduced
or copied except as set out below.
The contents of this site are © LCL Group Limited 2005.
The reproduction of any material present on this site is prohibited,
except that you may print or download extracts for non-business
use.
13. You should be aware that
past performance is no guarantee of future performance. The price of investments
and the income from them can fall as well as rise and may be affected by
exchange rate movements between currencies. An investor may not get back
the original amount invested, unlike savings accounts in a bank or building
society, where the capital is guaranteed. Any tax reliefs mentioned are
those currently available and are subject to change. Their value depends
on the personal circumstances of the investor. Specific risks associated
with particular investments are detailed in the information pages that relate
to those investments.
14. A policyholder should
be aware that the tax treatment of a policy is dependent on the rules of
the country in which the policyholder is taxable.
The tax and legislation information contained in this web site is based
on LCL International Life Assurance Company Limited's understanding as at
31 January 2003 and may change in the future. LCL International Life Assurance Company Limited is unable to provide individual tax guidance and recommend
that you always seek professional tax advice.
15. LCL International Life Assurance Company Limited is required to provide copies of Chargeable Event
Certificates for UK resident policyholders to the UK Inland Revenue in certain
circumstances.
16. LCL International Life Assurance Company Limited would like to remind you that you are entitled
to access information held about you, for which an appropriate charge may
be made. If the information is found to be inaccurate it will be corrected
or deleted.
We will tell you if we intend to use your information for
marketing purposes and we will give you the opportunity to
opt out of such marketing if you wish.
A cookie is an information file that we store on your computer.
The cookie records information such as, how often and at what
times you visit the web site.
17. Certain hypertext links
in this web site may lead you to web sites which are not under the control
of LCL Group Limited. When you activate these, you may leave the LCL International Life Assurance Company Limited web site. These links are provided solely
for your convenience and do not represent any endorsement or recommendation
by LCL International Life Assurance Company Limited.
LCL International Life Assurance Company Limited accepts no responsibility
or liability for the contents of any web site to which a hypertext link
exists and gives no representation or warranty as to the information on
such web sites. LCL International Life Assurance Company Limited accepts
no responsibility or liability for any loss arising from any contract entered
into with any web site to which a hypertext link exists.
18. To help us improve our
service, we may record or monitor phone calls.
*United States means the United States of America, its territories
and possessions, any State of the United States and the District
of Columbia. |
