Phoenix Ireland


Legal Terms & Conditions

Terms of use of / ("Website").

In these Terms and Conditions and the pages of this Website, any reference to "Phoenix Ireland", "we", "our" or "us" means the Phoenix Life Limited.


This Website is operated by Phoenix Ireland, the trading name used by Phoenix Life Limited.

Phoenix Life Limited, trading as Phoenix Ireland, is authorised by the Prudential Regulation Authority in the United Kingdom and is regulated by the Central Bank of Ireland for conduct of business rules. Phoenix Life Limited is incorporated in England (Company No. 1016269) and its registered office is 1 Wythall Green Way, Wythall, Birmingham, B47 6WG, United Kingdom. Its directors are S A Clarke (UK), D S Miller (UK), A Moss (UK), N H Poyntz-Wright (UK), M N Urmston (UK), J R Lister (UK), D R Cheeseman (UK), A H Bowe (UK), R D Houghton (UK), J R Pears (UK) and R K Thakrar (UK). Its registered office in Dublin, Ireland is 90 St Stephen’s Green, Dublin 2 (Company No. 906073). Phoenix Ireland is part of the Phoenix Group. For more information, visit



Please read the following Terms and Conditions carefully. Access to and use of the Phoenix Ireland Website is subject to these Terms and Conditions. If you do not accept such, you should not use this Website.

This Website is for information purposes only and is not an invitation to purchase nor an offer to sell an investment or policy on the basis of information given here or anywhere else. The information is necessarily general and investors and their advisers must refer to Phoenix Ireland's formal literature and contract conditions.

The information contained in this Website and any related documentation is based on our understanding of current Irish legislation and practice, which may be changed and/or updated in the future without notice. While we have taken all reasonable care to ensure that the information contained within the Website is accurate, current and complies with relevant Irish legislation and regulations as at the date of issue, errors or omissions may occur due to circumstances outside our control.

You should ensure that if you use any information obtained from this Website it is tailored to meet your specific circumstances. Nothing on the pages of this Website constitutes financial, legal or other professional advice in any way and you should consult your financial adviser or other professional adviser if you require any financial, legal or other professional advice.

Phoenix Ireland cannot be responsible for any action arising from the use or otherwise of information provided and makes no warranty as to the appropriateness of the information supplied to meet any particular case.



When accessing or making use of any service provided on this Website you may not:

a) Post or transmit any unlawful, threatening, abusive, libellous, defamatory, obscene, pornographic, profane or otherwise objectionable information of any kind, including without limitation any transmissions constituting or encouraging conduct that would constitute a criminal offence, give rise to civil liability or otherwise violate any national or international law;

b) Post or transmit any information or software which contains a virus, worm, trojan horse or other harmful components; restrict or inhibit any other user from using the Website; and/or

c) Post, publish, transmit, reproduce, distribute or exploit any information, software or other material obtained through our web pages for commercial purposes other than expressly permitted.



It is the responsibility of all policyholders and their advisers to inform themselves of all applicable laws and regulations of the jurisdiction of residence, citizenship, domicile, sale etc. Independent legal advice on the issues to be considered must be sought.

This Website is established in Ireland, is intended solely for residents of Ireland, and is subject to the laws of Ireland. In the event of any dispute all parties shall be bound exclusively by the jurisdiction of the Irish courts.



"Intellectual Property Rights" means any patents, copyright, database rights, design rights, registered designs, trademarks 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 Website are owned by or licensed to Phoenix Ireland, and may not be reproduced or copied except as set out below.

Copyright in the design and content of this Website belongs to Phoenix Ireland (or those persons who have licensed use or certain features/parts to Phoenix Ireland).

The copying or incorporation into any other work of part or all of this Website is prohibited unless it is done for your personal non-commercial home use or it is done with the express prior written consent of the relevant copyright owner according to the terms of such consent.



The information and opinions contained within this Website have been compiled in good faith but no representation or warranty, either express or implied, is made as to their accuracy, completeness or correctness. The information and opinions are provided as guidance only and should not be relied upon as authoritative or definitive. They should not be taken into account in the exercise of any judgement, or provide the basis of any credit or other evaluation, or be taken as a recommendation of the products and services referred to within this Website. It is a condition of Phoenix Ireland allowing you access to the material on this Website that you accept that no member of Phoenix Group Holdings and no director, employee or other person working for a member of Phoenix Group Holdings will be liable for any loss of whatever nature arising from the use of, or action you may take in reliance on, the information or opinions contained within this Website.



1. Phoenix Ireland may suspend or withdraw access to the pages of this Website for administrative or other reasons without notice at any time and accepts no responsibility for the non-availability of any of the pages on this Website. Phoenix Ireland makes no warranty or representation that the pages of the Website can be accessed during the Irish business hours and accepts no responsibility for any loss or damage arising out of or in connection with the loss of the use of this Website or for the availability nor the accuracy of any website accessible by hyperlinks from the pages of the Website, which you will then have left. Please note that when you click on any external website hyperlink, you will leave this Website and access the external website at your own risk.

2. Please note that there is no guarantee that an email sent will be received by Phoenix Ireland or that its contents will remain private and complete during transmission. If you have any such concerns, you may prefer to telephone or write to us instead. We accept no liability for any damages you or others may suffer as a result of the alteration or loss of confidentiality of any such information. We reserve the right to monitor the use and content of emails which are sent from and received by us for the purposes of ensuring compliance with our own email policy, and identifying and taking action against unlawful or improper use of, or attacks on, our systems.

3. Any downloadable software (including software, multimedia files, photographs, reports and other documents) is provided by Phoenix Ireland at your own risk. No responsibility is accepted for problems that may arise with computers receiving such software. You should seek professional advice if you are unsure how to protect your computer. We will not be liable for any loss or damage resulting from any attack by a third party on our systems or for any computer virus or other malicious or technologically harmful material that may infect your computer equipment, computer programs, data or other proprietary material due to your use of this Website.

4. Your use of this Website is at your sole risk. The service is provided on an 'as is' and 'as available' basis. We expressly disclaim all warranties of any kind, whether express or implied including but not limited to, the implied warranties of merchantability, fitness for a particular purpose and non-infringement.

You are advised to safeguard important data, to use caution and to not rely in any way on the correct functioning or performance of this service.



By agreeing to these Terms of Use, you agree to the terms of our data Privacy Policy.

Our Privacy Policy explains when and why we collect personal information about our customers, how we use it, the conditions under which we may share it with others and how we keep it secure. It also explains how you can obtain details of the information we hold about you, and the choices you have about how we use that information.



Phoenix Life Limited, trading as Phoenix Ireland, is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority in the United Kingdom and is regulated by the Central Bank of Ireland for conduct of business rules.



We will update the content of this notice from time to time. Please ensure that you visit this page regularly and refresh your browser to ensure your information is up to date. This page was last updated on 16th August 2019. Please note that certain provisions in the Terms and Conditions may be superseded by expressly designated notices or terms located on particular pages of the Website.



We would like to make you aware that this Website does not currently use any type of cookies.



If you believe any information on this Website is inaccurate or have any suggestions on how the content of this Website could be improved please contact or call (01) 639 9859.




Phoenix Life Limited, trading as Phoenix Ireland, is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority in the United Kingdom and is regulated by the Central Bank of Ireland for conduct of business rules.