Before supplying your registration details, please read and accept the terms and conditions below.
Access to the services requires a registration with current, complete and accurate information as prompted by the applicable registration. A successful registration is dependent on your acceptance of these terms and conditions of use. Please also note that your details will be stored on the system regardless of whether your registration is successful or not.
Please be aware that due to security controls, each user may only register with one method of access at any one time. It is not possible to register with a user ID and password as well as a Unipass certificate. If you register with user ID and password and wish to change to Unipass at a later date, you will need to contact the Service Support Team on 0345 365 3456 who will assist you in the process. Alternatively you can email the team at adviserconnect@canadalife.co.uk.
"You" shall mean the "Adviser" (defined below) and "we" shall mean "Canada Life" (defined below).
Terms of use for CLP and the Online Services
CLP is provided jointly by Canada Life Limited, Canada Life International Limited, Canada Life International Institutional Limited and Canada Life International Assurance (Ireland) Designated Activity Company, together defined as "Canada Life". The Online Services include the Online Annuity Quotes, Retirement Quotes and the Investment Planner. The Online Annuity Quotes and the Retirement Quotes are provided by Canada Life Limited. The Investment Planner is provided by Canada Life Limited and Canada Life International Limited.
The use of CLP and the Online Services are each governed by the terms set out below and the terms and conditions of website use for the Canada Life adviser website from which CLP is accessed (together, known as the "Terms"). If there is any inconsistency or conflict between the terms and conditions of website use and the terms set out below, then the terms set out below will prevail. We reserve the right to change these terms and conditions at any time without notice by updating this page and your continued access to or use of this site will constitute your acceptance of any such changes. Further, any transactional application you access within CLP may have its own governing terms of use. Acceptance of the Terms, any guidance notes, warnings, and disclaimers is automatic by using the Online Services whether they have been read or not.
Who may use CLP and the Online Services
CLP and the Online Services may only be used for commercial purposes by the following persons:
- advisers who are appropriately authorised by the United Kingdom Financial Conduct Authority ("FCA") (directly or as an appointed representative) and who hold the relevant permissions, to make investment recommendations or decisions to members of the public, regardless of whether that authorised individual is an employee of an adviser firm or not;
- advisers who are authorised or licensed by such other regulatory authority as Canada Life may in its sole discretion deem is appropriate from time to time; or
- "exempt professional firms" as defined in the FCA Handbook,
(altogether defined as an "Adviser").
Registration of Advisers under the CLP will be controlled by individuals designated as local administrators (the "Administrators"). Administrators are responsible for controlling Adviser access to the CLP in strict accordance with the user approval process set out within CLP. Administrators have full responsibility for all aspects of security including but not restricted to, suspending use and disabling users.
Purpose of the CLP
CLP is a secure portal facility provided by Canada Life in relation to its products and connected product support services. CLP may only be used by Advisers for assistance with administering and documenting investments in relation to Canada Life products for clients of the Adviser (the "Clients").
The Adviser remains entirely responsible for any advice or recommendations in relation to Canada Life products for any investment decisions made by or for the Client. The information and transactional applications within CLP are not intended to and do not constitute financial or other professional advice in any way whatsoever.
If the information within CLP and the use of CLP relates to the acquisition or possible acquisition of a particular Canada Life product, the Adviser must be familiar with the relevant documentation for that financial product before making any recommendations, providing any advice or taking or refraining from taking any action as a result of the use of CLP.
Adviser Undertakings and Confirmations
You undertake and confirm that you, at all times, come under the definition of an Adviser (as set out above).
You also undertake that no reliance is placed on CLP, its transactional applications, the Online Services or any resulting information or material, in formulating product advice, recommendations or investment management decisions by yourself or the firm you are employed by (if relevant) or the Client.
You must ensure that any Client provided with advice or recommendations or for whom investment decisions are made, is aware that CLP and the Online Services are information and product administration support tools for Canada Life products only.
You undertake that you are registered as a data controller, as defined by the Data Protection Legislation ("Data Controller") or are an employee of a company who is registered as a Data Controller with the relevant data protection authority.
You have or will obtain the necessary consent from your clients before entering data into CLP or the Online Services relating to the Clients ("Client Data") which might contain personal data (as defined by the Data Protection Legislation). You acknowledge that either the FCA authorised firm you are employed by or you (where the Adviser is self-employed) are the Data Controller in relation to any data submitted by you via CLP or the Online Services and you and the firm (where relevant) shall comply with the relevant provisions under the Data Protection Legislation. In general, you agree to comply with the Data Protection Legislation in connection with the use of CLP and the Online Services and maintain all registrations and notifications required by the Data Protection Legislation which are required for the use of CLP and the Online Services.
CLP Security
Where an identification code, password or any other piece of information as part of CLP security procedures is provided or chosen by the Adviser, then it must at all times be treated as confidential and must not be disclosed to any third party. Canada Life reserves the right to disable any identification code or password whether chosen by you or allocated by CLP at any time if in Canada Life's opinion you have failed to comply with any of the provisions of the Terms.
As an authorised user, you are responsible for all use made of CLP under the identification details. In addition, any client management system used as part of your system to facilitate access to CLP must maintain the identification details in a secure manner. As such you should take adequate precautions, ensuring that:
- only you are able to access CLP and you comply with all security procedures notified to you from time to time;
- all the identification details are kept in a secure place;
- you do not disclose any or all of the identification details to any other person except as may be necessary and on a need to know basis only to your system administrator (who may keep a secure record of the same);
- you do not save the identification details on to your personal computer or write them down;
- you do not leave your personal computer unsecured while you are connected to CLP; and
- you do not use CLP from any computer connected to a local area network without first making sure that no-one else will be able to observe or copy any of the identification details or gain access to the portal purporting to be you and that you do not access the portal from an unsecured network.
Where in addition to the security provisions a Unipass certificate is used as part of the security measures to access CLP, you will fully comply with the obligations and responsibilities of the Unipass standards and protocols when accessing CLP.
Terms of use for the Online Services
Adviser Obligations
You undertake that you are appropriately authorised, qualified and experienced to provide retirement income advice.
In relation to the Investment Planner, you undertake you are appropriately authorised, qualified and experienced to provide portfolio advice, recommendations and/or investment management advice (as applicable) and that no reliance is placed on the Investment Planner, or its resulting information or material, in formulating such advice, recommendations or portfolio management decisions.
Any liability resulting from information or material derived from the use of the Online Services in relation to a Client remains the sole responsibility of the Adviser.
You must ensure that any Client provided with advice or recommendations or for whom investment decisions are made, is aware that the Online Services is an information and administration support tool only, and does not form the basis of such advice or recommendations.
Online Annuity Quotes
Purpose of the Online Annuity Quotes
The Online Annuity Quotes comprise the various constituent parts which may only be used to obtain "Personal Examples" quote documents (referred to in our Key Features documents) for the following Canada Life products: Lifetime Annuity; Enhanced Lifetime Annuity; Scheme Pension; or Enhanced Scheme Pension (altogether and individually defined as the "Annuity Product"). The constituent parts of the Online Annuity Quotes include: a quotation system; underwriting system to provide an enhancement to a qualifying client of the Adviser ("Qualifying Client") due to their medical conditions or lifestyle choices; and access to all documentation required to purchase an Annuity Product with Canada Life.
"Personal Examples" quote documents are based on information supplied by the Adviser. The Adviser remains at all times entirely responsible for any advice or recommendations given to the Qualifying Client in respect of the Qualifying Client's retirement planning.
If the "Personal Example" quote document obtained from the Online Annuity Quotes is for the purchase or possible purchase of an Annuity Product by a Qualifying Client, then the Adviser must be familiar with the relevant Annuity Product literature before making any recommendations, providing any advice or taking any action in respect of that Qualifying Client.
If the "Personal Example" quote is accepted by the Qualifying Client, then the data collected during the quotation process will be used to form part of the policy contract between Canada Life Limited and that client. For the enhanced annuity products, incorrect disclosure in respect of the client's medical conditions or lifestyle choices may result in the pension payment quoted on the "Personal Example" quote being reduced with effect from the commencement of the policy.
Retirement Quotes
Purpose of the Retirement Quotes
Retirement Quotes comprise the various constituent parts which may only be used to obtain "Personal Examples" quote documents (referred to in our Key Features documents) for the following Canada Life products: Pension Investment Plan, Flexible Drawdown Plan or Fixed Term Income Plan (altogether and individually defined as the "Retirement Product"). The constituent parts of the Retirement Quotes include: a quotation system; underwriting system to provide an enhancement to a qualifying client of the Adviser ("Qualifying Client") due to their medical conditions or lifestyle choices; and access to all documentation required to purchase a Retirement Product with Canada Life.
"Personal Examples" quote documents are based on information supplied by the Adviser. The Adviser remains at all times entirely responsible for any advice or recommendations given to the Qualifying Client in respect of the Qualifying Client's retirement planning.
If the "Personal Example" quote document obtained from the Retirement Quotes is for the purchase or possible purchase of a Retirement Product by a Qualifying Client, then the Adviser must be familiar with the relevant Retirement Product literature before making any recommendations, providing any advice or taking any action in respect of that Qualifying Client.
If the "Personal Example" quote is accepted by the Qualifying Client, then the data collected during the quotation process will be used to form part of the policy contract between Canada Life Limited and that client.
Investment Planner
Terms for use of Investment Planner
Purpose of the Investment Planner
The Investment Planner comprises the various constituent parts which may be used only for assistance in administering and documenting portfolio recommendations and decisions made by an Adviser for Clients. The constituent parts include a client risk profiling facility, an asset allocation tool and a range of fund fact sheets.
Client risk profiles generated by the Investment Planner are based on information supplied by the Adviser and may be over-ridden by the Adviser. The Adviser remains entirely responsible for any advice or recommendations given to the Client and for any investment decisions made by the Adviser. The risk profiles, information and illustrations provided by the Investment Planner are not intended to and do not constitute financial or other professional advice in any way whatsoever.
If the information on the Investment Planner relates to the acquisition or possible acquisition of a particular Canada Life financial product, the Adviser should be familiar with the relevant documentation for that product before making any recommendations, providing any advice or taking or refraining from any action as a result of the use of the Investment Planner.
CLP and Online Services Prohibitions
CLP and the Online Services may not be used for the submission or transmission of illegal, offensive material or malicious content, or to breach any applicable laws or regulations. The Adviser must not do anything which will or might damage, interfere with, disrupt access to, interrupt or impair the functionality of CLP or the Online Services.
Obtaining or attempting to obtain access to, or interfere with any programme or data, attempting to reverse-engineer, decompile, translate, disassemble or separate the components of the CLP or the Online Services will not be tolerated and Canada Life reserves all rights to take all necessary protective action.
Whilst the Adviser may use and print a reasonable number of copies of the information or material generated by CLP or the Online Services during the normal course of business, the information or material generated may not otherwise be reproduced, distributed or transmitted to any other person (with the exception of Clients and Qualifying Clients in relation to their own Canada Life products upon which, the Adviser will become responsible for that data as a Data Controller) or incorporated in any other way into another document or other material without Canada Life's prior written permission.
Disclaimers
Canada Life makes no recommendation as to the suitability, governance, performance or likely performance, regulated status or other features of any of its products on which information is obtainable via CLP or the Online Services.
Neither Canada Life nor its third party providers accept any responsibility or liability for any advice or recommendations given, or for any transactions or arrangements that are subsequently undertaken as a result of using CLP or the Online Services.
Canada Life makes no representation that the material and information within CLP or the Online Services is appropriate or available for outside the United Kingdom. Any party accessing CLP or the Online Services from outside the United Kingdom does so at that party's own risk and is responsible for complying with all applicable local and other laws.
Material available within CLP or generated by the Online Services is based on historic data and statistics provided by third parties and may be out of date at the time of the Adviser's access, incorrect and/or may not be repeated in the future. Canada Life accepts no responsibility for accuracy of such material generated.
Intellectual Property Rights
All intellectual property rights in each of the CLP and the Online Services are vested either in Canada Life or its third party providers or agents as applicable.
Data Protection
The information collected within CLP and through the Online Services may be processed by Canada Life or any of its third party providers depending on the transactional application. Canada Life and its third party providers will observe the relevant provisions of the Data Protection Act 1998 and any other data protection or privacy legislation which applies, including any sub-ordinate legislation, regulation or guidance issued by the Office of the Information Commissioner in the UK or its successor body, together with the corresponding laws of any other applicable jurisdiction, not limited to the Isle of Man Data Protection Act 2002 (as amended from time to time) and the Irish Data Protection Acts 1998 and 2003 (all together known as the "Data Protection Legislation") with regard to the handling, storing and protection of Client Data.
As mentioned above, in some instances, information derived from CLP and the Online Services may render the Adviser, or the FCA authorised firm the Adviser is employed by, a Data Controller (as set out above) and therefore by agreeing to these terms, the Adviser and the FCA authorised firm where relevant, agree to observe the relevant provisions of the applicable Data Protection Legislation with regard to the handling, storing and protection of such data.
Canada Life is the Data Controller in respect of the Client Data once it has been received by CLP. Canada Life shall also be the Data Controller in respect of the Client Data when administering the policies (including the investments) relating to the Canada Life products.
Please also see the data protection notice on this website ("Data Protection Notice") for further information.
Cookies
The terms of the cookie policy on the Canada Life website ("Cookie Policy") shall apply to CLP and the Online Services.
Miscellaneous
Canada Life reserves the right to amend, update, improve or alter the CLP or the Online Services without notice at its sole discretion where reasonable to do so. Canada Life uses its best endeavours to keep the CLP and the Online Services up and running. However, it reserves the right to take the site down for routine maintenance and accepts no responsibility or liability of any sort for downtime, whether caused by faults or routine maintenance. Canada Life reserves the right at its sole discretion and without such liability or responsibility to withdraw access to CLP or the Online Services to any Adviser or particular user.
CLP and the Online Services have been prepared in accordance with Canada Life's current understanding of the rules and guidance set out in the FCA Handbook, Central Bank of Ireland rules, applicable data protection legislation and current HM Revenue & Customs legislation and practice. This may be subject to future variation.
All warranties, conditions, undertakings, representations and terms whether expressed or implied, statutory or otherwise are excluded to the fullest extent permitted by law.
Third Parties
Links to third parties' websites are provided on CLP (or Online Services where relevant) to provide users with convenient access to certain transactional applications, related or relevant information and organisations. A link from CLP (or the Online Services) does not represent any affiliation with or recommendation or endorsement of those third parties. Canada Life does not warrant the accuracy of the content available on the third party website, and is not responsible for (and does not necessarily share or support) the views or actions of any organisation or third party whose website is accessible via a link from CLP. Canada Life reserves the right to terminate any such link at any time.
If you leave CLP or the Online Services using an available link, the Data Protection Notice, Cookie Policy and the Terms will no longer apply. Canada Life encourages you to read the privacy statements, disclaimers and terms and conditions of any third party websites that you visit in this way.
Law and Jurisdiction
English law governs these terms and the use and contents of CLP and the Online Services, and the English courts will have exclusive jurisdiction in any dispute relating to these terms, CLP and the Online Services.
