1. About these Terms
These Terms apply when you browse or use the website operated by Everlife Group Ltd, trading as Everlife Group. By using the website, you agree to use it in accordance with these Terms. If you do not agree, please stop using the website.
2. About Everlife
3. Website purpose
The website provides information about Everlife, the protection services genuinely available at the time and ways to contact or request a service. Product pages are general unless they expressly form part of a regulated, personal or customer-specific journey.
4. No automatic adviser or client relationship
Browsing a page, using a general calculator, sending an enquiry or booking a call does not by itself create an adviser-client relationship, constitute a personal recommendation, complete an insurance application or put cover in force.
The responsible firm, nature of service, market scope, fees and required customer documents will be explained at the appropriate point. A policy begins only when the insurer confirms cover in accordance with its terms.
5. General information boundary
Website information is not intended to be legal, tax, accounting, medical or investment advice. Insurance products, tax treatment and legal arrangements depend on current terms and individual or business circumstances. Seek appropriately qualified advice where needed.
We take reasonable care with website content but do not promise that general information will be complete for every purpose or remain current after a law, insurer, product or regulatory change. Publication and review dates are shown where they are material.
6. Product and service availability
Products and services can be changed, suspended or withdrawn. Availability may depend on location, eligibility, underwriting, provider appetite, regulatory scope and the responsible firm. We do not guarantee that an application will be accepted, that a quoted premium will remain available or that a claim will be paid.
7. Quotes, illustrations and calculators
A quote or illustration is based on the information, assumptions, product and date shown. It is not cover and may change after underwriting or verification. A general calculator is an estimate within its stated methodology and limitations and is not a personal recommendation unless expressly identified as part of an advised process.
8. Permitted use
You may use the website for lawful personal or business-information purposes. You must not misuse it, attempt unauthorised access, introduce malicious code, interfere with operation, scrape or reproduce content unlawfully, impersonate another person, submit information without authority or use the site to harm others.
9. Information you submit
You are responsible for taking reasonable care that information you provide is accurate and that you are authorised to provide information about another person. Do not send medical information, bank details, identity documents or other sensitive material through a general form unless the website specifically requests it through an approved secure process.
10. Intellectual property
The website, brand, logo, text, design, graphics and other content are owned by or licensed to Everlife Group Ltd unless stated otherwise. You may view and print a reasonable copy for personal or internal business use. You may not reproduce, republish, modify, sell, license or commercially exploit content without permission, except where law allows.
11. Third-party links and services
Links to an insurer, lender, investment provider, regulator or other website are provided for context or access. Third parties control their own content, availability, privacy and security. A link does not imply endorsement of every statement or service on that site.
12. Website availability and security
We aim to keep the website available and secure but cannot promise uninterrupted or error-free access. We may suspend access for maintenance, security, legal or operational reasons. You are responsible for using current software and reasonable device security.
13. Liability
Nothing in these Terms excludes or limits liability where it would be unlawful to do so, including liability for fraud, fraudulent misrepresentation, or death or personal injury caused by negligence where the law does not permit exclusion. Nothing limits regulatory obligations, data-protection rights or statutory consumer rights.
14. Privacy and cookies
Our Privacy Notice explains how we use personal information. Our Cookie Policy explains storage and access technologies and how to change optional choices.
15. Changes to the website and these Terms
We may update the website and these Terms. The effective date and version appear above. Changes apply from publication unless law or a separate customer contract requires another process.
16. Governing law and courts
17. Contact
Terms that belong elsewhere
Do not use this page as a substitute for:
- Terms of Business or a Client Agreement.
- Initial insurance-intermediary disclosures.
- A customer's demands-and-needs statement.
- A personalised recommendation or suitability record.
- The insurer's policy summary or policy terms.
- Product-specific cancellation information.