This document sets out the terms and conditions of use (“Terms and Conditions”) applying to your access to and use of the Aviva Connect Website (the “Website”). The Website is only for use by Aviva intermediaries including advisers, brokers and healthcare intermediaries who sell Aviva Products and their respective, duly authorised staff. The Website is not intended for use by anyone else and in particular, but without limitation, should not be used by, Aviva Customers who should go to the main Aviva website at aviva.co.uk for information and assistance in respect of purchasing Aviva products directly.
In these Terms and Conditions, the following words shall have the following meanings except where the context requires otherwise:
|“Aviva Connect Services”||means Our online adviser services provided to you, through the Website including tools, information and functionality to help you manage and purchase new and existing Aviva Products for your Customers in your role as an Intermediary User.|
|“Aviva Products”||means the insurance, mortgage and investment products and services offered by Aviva from time to time.|
|“Customer”||means a natural or legal person on whose behalf your firm acts and who your firm has or may introduce to Us on an advised or non-advised basis.|
|“Customer Data”||means any data or other materials relating to Customers which is supplied by you, received by you or which is otherwise processed in connection with the use of the Website, including without limitation, any personal data and data concerning the Aviva Products (and associated policies) which the Customers currently hold, previously held, applied for or are otherwise interested in from time to time.|
|“Intermediary User”, “you”, “your” and “yours”||means the natural or legal person(s) who is granted access to use the Website as an intermediary for Aviva including employees, partners, self-employed consultants, sub-contractors or agents of your firm.|
|“Marketing Materials”||has the meaning set out in the section headed “Use of Marketing Materials and Policy Documents on the Website”.|
|“Policy Documents”||has the meaning set out in the section headed “Use of Marketing Materials and Policy Documents on the Website”.|
|“Product Terms and Conditions”||means the individual contract terms and conditions applying to each Aviva Product.|
|“Sub-sites”||means the sub-sites comprised within the Website from time to time including the areas directed at Aviva Connect Brokers, Aviva Connect Advisers and the Aviva Connect Healthcare intermediaries.|
|“Terms of Business”||means the introducer agreement you entered into with Us, under which you act as an intermediary.|
|“Terms and Conditions”||has the meaning set out in the “Introduction” section.|
|“Website”||has the meaning set out in the “Introduction” section.|
|“We” “Us” “Our” or “Aviva”||means Aviva PLC and as applicable, any of its parent or subsidiary companies (as such terms are defined in the Companies Act 2006), including but not limited to Aviva Insurance Limited, Aviva Life & Pensions UK Limited and Aviva UK Digital Limited.|
Our Relationship and the Legal Terms applying
Please note that you are also subject to the Terms of Business which sets out the basis on which you act as Our intermediary and these apply in addition to these Terms and Conditions. Please note that You remain solely responsible for any advice you give to Customers, for assessing the suitability of any Aviva Product for their requirements, and any instructions you provide to Us on their behalf, as further explained in the Terms of Business.
If there is any conflict between these Terms and Conditions and your Terms of Business the latter will take precedence to the extent of the conflict. The agreement formed by these Terms and Conditions is personal to you and you cannot assign or otherwise transfer it to anyone else.
Each Aviva Product also has separate Product Terms and Conditions that you are required to make available to your Customers before they apply for an Aviva Product.
The Aviva Connect Services are provided to you by or on behalf of Aviva. We reserve the right to make changes to the Aviva Connect Services and the Website at any time, including the introduction of new services or withdrawal of existing services. All Aviva Products are also subject to availability at any point in time and information on the Website about Aviva Products does not constitute an offer or recommendation.
Your use of the Website
The Website is for Our Intermediary Users located in the United Kingdom, Channel Islands, Isle of Man and Gibraltar only. It is only intended for use in these jurisdictions and use of the Website outside these jurisdictions may not comply with local law requirements and you shall be liable for any breach of local law requirements caused by such use. Without prejudice to your obligation to comply with local law requirements, Aviva may at its discretion block access to the Website from countries outside the United Kingdom, Channel Islands, Isle of Man and/or Gibraltar. Please see the Aviva Plc website at aviva.com for further details of Our services in other locations.
You may, copy, download or temporarily store extracts from the Website for your information or to assist you with discussing Aviva Products with Customers, in your role as an Aviva intermediary. You shall treat as confidential and are not permitted to share any information directed at intermediaries on the Website with Customers or with any third parties outside your organisation. You are responsible for the safe keeping and security of any Customer Data you access on the Website or which is otherwise in your possession or control.
From time to time We provide financial information, articles and tools to help keep you informed about general financial, market and public conditions. We may also market Aviva Products to you from time to time in accordance with the marketing preferences you have agreed with Us.
Some of the information, tools and articles presented on the Website are provided by third parties and do not necessarily represent the views or opinions of Aviva or the Aviva Group. Aviva is not responsible for the validity, completeness or accuracy of such publications which are provided for general information purposes only and you use them at your own risk.
The Website incorporates several Sub-sites and Your access rights to different Subsites and other parts of the Website will be determined by us, and may be restricted, based on your role as an intermediary. For example, if you do not sell healthcare products you will not be given access to the Subsite covering healthcare products.
You may need specific software to use the Website, for instance, to view PDF documents. Any third-party software is downloaded at your own risk and Aviva accepts no liability for the use of third-party software by you, your business or your Customers.
From time to time We may need to stop access to the Website to carry out scheduled or emergency maintenance. Where practicable We will use reasonable endeavours to provide you with advance notice of this maintenance, but We shall not be liable to you for any non-availability of the Website in such circumstances.
Username and Password
You will be issued with log-in credentials when you register to gain access to the Website. Upon accessing the Website for the first time you will be required to choose a new password. You shall treat your username and password as strictly confidential and you must not share them with anyone else.
You must contact Us immediately and provide Us with full details if at any time you know or suspect that anyone other than you knows your username or password, or that unauthorised access to the Website or Customer Data may have occurred, by whatever means, and take immediate action to minimise the impact to Us and to Customers. You also agree to comply with any security guidelines that Aviva may issue from time to time in respect of your use of your user name and password, including the type of password you use and any instructions to change these details.
Notwithstanding the preceding paragraph, You, shall be responsible for any losses you, your customers or Aviva incur as a result of your failure to keep your username and password secure.
For security purposes, the following password expiry and reset procedure will apply to your use of the Website:
- For Intermediary Users with access to Aviva Connect Broker or Aviva Connect Adviser your password will expire every six months and you will then be prompted to set a new one next time you go to log in.
- If you repeatedly enter an incorrect password into the Website, your account will be locked automatically, and you will need to reset your password using the “reset password” functionality on the Website or contact us to regain access. If you forget your password, you will need to reset it using the “reset password” functionality on the Website to regain access.
You must notify Us immediately if you know or suspect that you or anyone else has access to information on the Website to which you or they are not entitled.
You shall ensure that any software and devices you use to access the Website are secure to help prevent unauthorised access. It is your sole responsibility for the safety and security of the software and equipment you use, including without limitation by;
- protecting your internet connection with a firewall;
- protecting your software and equipment from viruses e.g. using up to date anti-virus software;
- ensuring the most appropriate security configuration of your devices and software;
- restricting access to the Customer Data to individuals with a valid business need;
- using appropriate encryption of the Customer Data e.g. when stored on removeable media or portable devices; and
- keeping software and equipment versions up to date.
Your ability to access the Website will be dependent on the availability of your internet connection. You are also responsible for keeping secure back-ups of any Customer Data you enter into the Website.
You must cease access to the Website immediately and notify Us if You leave your organisation, or if you are otherwise no longer authorised to use the Aviva Connect Services and/or the Website for any other reason. Aviva does not accept any liability for any loss or damage suffered by you, your organisation or your Customers, arising from or caused by continued access to the Aviva Connect Services and/or the Website from the time you have left your organisation or cease to have appropriate rights to use them.
We enforce a strict account inactivity policy for Intermediary Users who have not used the Website for a period of time as follows:
- For Users with access to Aviva Connect Adviser and Aviva Connect Broker, we will delete your account if you have not accessed your account for a period of twelve months;
- For Users with access to Healthpoint, We will lock your account and prevent access after 90 days of inactivity.
Third-party links and Information
You must not do or authorise anything that may alter, corrupt, damage or otherwise interfere with the Website and you shall not link any other websites to the Website without Our express prior written permission which We can refuse in Our absolute discretion.
Information you provide to Us
Providing false or misleading information may mean that We cannot provide an Aviva Product as originally described and We reserve the right to vary or cancel any Aviva Product provided to you or your Customers that was based on any false or misleading information of any kind, including, any instances where you or your Customer have acted under a false identity.
We may revise these Terms and Conditions, at any time by amending this page. We urge you to check this page from time to time for any changes to these Terms and Conditions. If We make changes to the Terms and Conditions, which We believe are material We will notify you that there has been a change by sending you an information message or by posting a message on the login page of the Website. By continuing to use the Website after any changes you are agreeing to be bound by the new Terms and Conditions.
We also reserve the right to withdraw access, the use or the terms of registration for this Website at any time, without notice.
These Terms and Conditions were last updated in July 2019
Nothing in these Terms and Conditions grants you any legal rights in the Website and all rights in any Intellectual Property on the Website are reserved, this includes but is not limited to:
All Aviva company trade names and logos, icons, service marks and icons that are registered trademarks of Aviva. Any Aviva company may also claim rights in other trade marks, service marks, logos and icons contained on the Website.
Aviva owns or is licensed to use all copyrights, design rights, database rights, algorithms and other intellectual property on this Website, as well as the intellectual property rights in the content, look and feel or links on this Website.
You may not use any of the intellectual property on this Website without Our prior written agreement, unless otherwise expressly permitted.
Website Content Restrictions
Save as expressly permitted in these Terms and Conditions, you are not permitted to exploit, extract, frame, deep-link, screen scrape, publish, distribute, or reproduce any part of the Website and may not use bots or other electronic automatons to interact with the Website.
We may take legal action if We discover any unauthorised use or interference with access to this Website, misappropriation, misuse or infringement of Our content, website functionality, look and feel of the Website or interference with the identity of the Website or taking any action to impair the good-will of Our trade names, trade marks or other intellectual property.
While We use reasonable precautions, We do not guarantee that the Website will be secure or free from bugs, viruses or other malicious software and you are responsible for ensuring that you use appropriate virus protection software when accessing the Website.
You must not introduce any viruses or other harmful material to the Website and any attempt to do so will result in your right to use the Website being removed immediately, without prejudice to our other rights and remedies. If We suspect that any criminal offences under the Computer Misuse Act 1990 have been committed, We will report them to the relevant law enforcement agencies and will co-operate with those agencies by disclosing your identity to them.
Use of Marketing Materials and Policy Documents on the Website
The Website includes pre-populated template leaflets, press releases, letters, surveys, newsletters and emails (the “Marketing Materials”) and Policy Summaries and Wordings (“Policy Documents”). The Marketing Material and Policy Documents have been created by or on behalf of Aviva and Aviva can therefore enforce any copyright contained in the Marketing Materials and Policy Documents.
We provide you with the Marketing Material and Policy Documents to help you (or your employer as the case may be) to retain and create new business as an Aviva intermediary. Such materials and documents are provided by Us on a non-exclusive, royalty-free basis for this purpose.
You are permitted to download, print and distribute as many copies of the Marketing Materials and Policy Documents as you reasonably require for your own business use and for conducting intermediary work for your Customers. If any document is provided with guidance or risks which the Customer needs to see, then it is your responsibility to ensure that you bring these to the Customer’s attention.
You are not permitted to allow any third parties who have not got authorised access to the Website to download, amend, print or use the Marketing Materials and/or Policy Documents in any way, without Our prior written consent.
Please be aware that while We endeavour to ensure that the Marketing Materials and Policy Documents, are correct, we do not warrant the content, accuracy or veracity of the Marketing Materials and Policy Documents and it is your responsibility to ensure that they meet your needs and those of your Customers.
You should not delete or amend the Marketing Materials or Policy Documents unless the material expressly states that you can. If you change anything you are entirely responsible for compliance with all Legal and Regulatory requirements and for compliance with any relevant marketing codes.
Instructions and Requests on behalf of a Customer
Where you provide instructions or requests on behalf of a Customer through the Aviva Connect Services you warrant that you are acting as the Customer’s agent and are duly authorised by them to do so. You accept that We reserve the right to:
- not act upon any instruction or request you provide;
- seek further information before acting upon any instruction or request you provide.
The following provisions limit or exclude our liability for the Website so you should read them carefully.
For the avoidance of doubt nothing in these Terms and Conditions, is intended to nor shall be construed as limiting or excluding Our liability for:
- death or personal injury caused by Our negligence;
- Our own fraud or fraudulent misrepresentation; or
- for any other liability which We cannot lawfully exclude or limit under the applicable law.
Although we have taken reasonable steps to ensure the information on this Website is accurate, it is provided on an “as is” and “as available” basis, without any representation or warranty, and use of the Website is at your own risk. To the extent permitted by law, We shall have no liability to you or others for any loss or damage (even if foreseeable), whether in contract, tort (including without limitation negligence), breach of statutory duty or otherwise, arising as a result or in connection with use of, or inability to use, the Website or use of or reliance on any information made available/accessed via, displayed on or downloaded from on the Website. In particular, but without limitation we shall not be liable for:
- loss of profits, sales, business, or revenue;
- business interruption;
- loss of anticipated savings;
- loss of business opportunity, goodwill or reputation; or
- any indirect or consequential loss or damage.
Without prejudice to the generality of the foregoing, we shall not be liable for
- inaccurate, untimely, incomplete or erroneous Customer Data, marketing or literature content and incorrect fund values or valuations which can be caused by (amongst other things) service feed issues, database issues, corrupted records, or incomplete client records;
- unavailability of the Websites at any time or for any period;
- inability to log in, access the Websites or stay on-line;
- inability to purchase Aviva Products or to take advantage of pricing or offers; or a decision by one of the Aviva Group Companies not to provide a product or service;
- inability to complete a transaction either due to unavailability of a third-party partner, including but not limited to the operation of any partner technology provider services, or through unavailability of the Website;
- events beyond Our control;
- third-party interference such as hacking, computer viruses, bugs, trojans, information posted on the web by unauthorised parties, phishing, and any other cybercrime;
- loss of data, including your failure to securely store information accessed within or submitted to the Website.
To the extent permitted by law, We exclude all implied conditions, warranties, representations or other terms that may apply to the Website.
You agree to indemnify Us and keep Us indemnified (including Our successors and assigns, Our directors, officers, employees and agents) from and against all liabilities, claims, losses, costs, damages and expenses (including legal fees) which are reasonably incurred by Us (including Our successors and assigns, Our directors, officers, employees and agents) arising from your use of the Aviva Connect Services, your use of the Website, your breach of the Terms and Conditions, or your violation of any third party rights.
No delay by Us in enforcing the provisions of these Terms and Conditions will act as a waiver or prejudice or restrict Our rights and any waiver We give must be in writing and will not operate as a waiver of any subsequent breach. No right, or remedy conferred on or reserved by Us is exclusive of any other right, or remedy available to Us and each such right or remedy shall be cumulative.
The illegality, invalidity or unenforceability of any of part of these Terms and Conditions will not affect the legality, validity or enforceability of any other part of these Terms and Conditions.
The words "including" or "include", and words of similar effect will not be deemed to limit the general effect of the words which follow them.
The headings used in these Terms and Conditions are for convenience only and will not affect their interpretation.
No one other than a party to these Terms and Conditions has any right to enforce any of these Terms and Conditions.
We may transfer (subject to any necessary regulatory approval) Our rights and obligations under the agreement formed by these Terms and Conditions to another company within the Aviva Group at any time. Where possible We will seek to provide you with prior notice of any change.
Governing Law and Jurisdiction
The laws of England and Wales shall govern these Terms and Conditions and in the event of a dispute you irrevocably submit to the non-exclusive jurisdiction of the English Courts.
The Website is owned and operated by Aviva PLC registered in England and Wales under company number 02468686 and has its registered office at St Helen's, 1 Undershaft, London, EC3P 3DQ.
How to Contact Us
If you need to contact Us in relation to the Website, you can do so using the following:
Aviva Connect Advisers - Please contact:
Aviva Life Online Support Team Telephone: 0800 056 4607
Carrara Floor 5
Island Site Surrey Street
Aviva Connect Brokers - Please contact:
Aviva Broker Online Support Team Telephone: 0800 158 2224
Mezzanine, Horizon Business Centre
Broadland Business Park
Aviva Healthcare Intermediaries - Please contact:
Aviva Health Trading Team Telephone: 0800 158 3348
PO Box 962