Portal Terms of Use

Please read these Terms of Use carefully before you use the Portal. We draw your attention in particular to section 8, which explains how we limit our liability to you.

1. About us and the Portal

   Who we are. We are Rothesay Life Plc (referred to as we, us, or our), a UK insurance company authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Our registered office is The Post Building, 100 Museum Street, London, United Kingdom, WC1A 1PB. Our registered company number is 06127279 and our FCA firm reference number is 466067.

   About the Portal. As one of our policyholders, you may be able to access information about your policy, personalised policyholder content and self-service functions via a secure website at https://pensions.rothesay.com (the Portal).

   How to contact us. Please contact us if you have questions about the Portal or these Terms or need help with accessing the Portal.

2. About these Terms

   Accept these Terms of Use to access the Portal. These Terms of Use (the Terms) are the terms on which you can access and use the Portal. By clicking “accept”, you agree to comply with these Terms. If you do not agree, you must not use the Portal.

   Changes to these Terms. We may update these Terms from time to time. Please check these Terms each time you use the Portal to ensure you understand the terms that apply at that time. These terms were last updated on 3 September 2025.

3. Getting started

   Who can use the Portal. Subject to these Terms, the Portal is available without charge to Rothesay policyholders who are 18 years or older.

   How to access it. You will need to create an account using your policy number. You can access the Portal by visiting the homepage

4. Rules when using the Portal

   Provide accurate information. You must provide reliable, complete and accurate information on the Portal. If any information is incorrect, please contact us as soon as possible.

   Do not link to other websites. You must not link or frame the Portal or any part of it to any other website.

   Consequences of misuse. We may immediately suspend or terminate your access to the Portal if we believe you failed to comply with these Terms or due to security or other concerns. We will notify you of this as soon as we can.

5. Information on the Portal

   General information is provided. The Portal is designed to provide you with helpful information and resources about your policy. However, the information shown (such as any estimates or calculations) is for general and illustrative purposes only and you must not rely on it. You should seek independent financial advice before making any investment or other financial decisions.

   To obtain current and personalised information We make no representations, warranties or guarantees (whether express or implied) that the content on the Portal is accurate, complete or up to date. For up to date information, always check your most recent individual policy document or contact us.

   Your policy documents will always apply. If there is a difference or conflict between the information set out on the Portal and the provisions of your policy, your policy will take precedence.

   Intellectual property ownership. We own or have a licence to all intellectual property rights in the Portal and material published on it. Those works are protected by copyright laws and other proprietary rights, and nothing in these Terms transfers or assigns any ownership rights to you.

   How you can use Portal material. You can download and print material from the Portal solely for your personal use and without any modifications. Copies must retain all copyright or other proprietary notices and disclaimers shown on the initial download or print-out. You must not conduct or permit any text or data mining or web scraping in relation to the Portal for any purpose, including the development, training, fine-tuning or validation of AI systems or models.

   Third party websites. The Portal may link to third party websites or resources, which are provided for your information only. We do not endorse or are affiliated with those third parties in any way, and have no control over their content. No representations or warranties are given in respect of third party websites or their content.

6. Making requests via the Portal

   Your requests. You may request us to do certain things via the Portal – for example, to change your bank account details. Every time you submit a request, you are giving us an official instruction and legal authorisation to act on it. We will treat the request as coming from you, even if you later prove it was made without your knowledge or consent, unless we or our employees have been negligent, fraudulent or deliberately failed in our duties to you. This authorisation remains in force until we receive your notice withdrawing it (either in writing or via the Portal), however this will not affect any transactions we initiated before we received your notice. We may ask you to confirm any instruction sent through the Portal before we proceed.

   Completed requests. Any requests you make on the Portal will only be considered completed once we confirm this in writing outside of the Portal.

7. Your responsibilities

   Internet access. You must arrange for your own internet access (including setting up and maintaining your own hardware, software and internet connection and up to date antivirus protection) and ensure that anyone who uses your internet connection to access the Portal is aware of, and complies with, these Terms.

   Keep your account secure. Treat all information about your policy and Portal log-in details as confidential and do not disclose them to anyone else. You should not leave a device unattended whilst it is logged on to the Portal and always sign out of the Portal after use. We recommend using your own device to access the Portal and keep that device protected with up to date anti-virus software and firewalls. We may disable your Portal account for security reasons or if we suspect your account details have been compromised. If you know or suspect that someone else knows your login details, contact us as soon as you can.

   Other security requirements. When using the Portal, you must not:

   • knowingly introduce viruses, trojans, worms, logic bombs or other malicious code,
   • try to gain unauthorised access (including to any server, computer or database connected to the Portal), or
   • attack or interfere with the Portal in any way.
   Violating these restrictions would be a criminal offence under the Computer Misuse Act 1990. We will report any suspected violations to law enforcement agencies, disclose your identity if requested, and immediately suspend or terminate your access to the Portal.

8. Our responsibilities

   Our responsibility to you. We are only responsible for losses you suffer by us breaching these Terms. We do not exclude or limit out liability where it would be unlawful to do so, including liability for death or personal injury caused by our negligence or for fraud or fraudulent misrepresentation.

   What we are not responsible for. We are not liable to you for any loss, damage, costs or expenses you might incur due if:

   • the loss was unexpected, meaning it was not a reasonably foreseeable consequence of us breaching these Terms when you agreed to them. Loss or damage is foreseeable if it is obvious that it will happen, or if both of us knew it might happen when these Terms were entered into, or
   • the loss could have been avoided if you took reasonable action.

   The Portal might not always be available. We try to keep the Portal operating smoothly and up to date. However, we do guarantee that the Portal and any content it contains will always be accurate, complete, available, uninterrupted or that the Portal will be free from errors, viruses, or other issues. We may also suspend, withdraw or restrict the availability of the Portal for business and operational reasons and will try to give you reasonable notice in advance. We may also update the Portal from time to time to reflect changes to our products, our users' needs and our business priorities.

9. Final important terms

   Privacy. Please read our Privacy Notice to understand how information you provide on the Portal will be processed and how we use cookies.

   Severance. If any provision of these Terms is held to be invalid, illegal or unenforceable, that provision will be deleted without affecting the rest of these Terms.

   No third party rights. These Terms are between you and us. Nobody else can enforce these Terms and neither of us will need a third party’s approval to end or change these Terms.

   Transferring rights. You agree that we may transfer our rights and obligations under these Terms to a third-party purchaser of our business or to an affiliate, in which case we will notify you and explain your options.

   What laws apply. These Terms are governed by English law, but we will not deprive you of any protection you have under the laws of the country where you live and you can bring claims against us in the courts of your home country.