Terms and Conditions of Use


Please read these terms and conditions carefully.

Union Heritage Life Assurance Company dac (“Union Heritage” or “the Company”), Block E, Iveagh Court Harcourt Road Dublin 2, a wholly owned subsidiary of Harcourt Life Assurance dac, is the owner of this website.


Your use of this website and its services is an acknowledgement and acceptance by you that you have read and understand all disclaimers, notices and instructions, including these Terms and Conditions, Data Protection and Terms of Business as set out or referred to in this website. By accessing and using these pages, you agree to be legally bound by and act strictly in accordance with these Terms and Conditions and by all other applicable provisions. Information contained in this site is governed by the laws of Ireland, and by accessing and using these pages, you accept the laws of Ireland as the law governing the conduct and operation of this web site and the jurisdiction of the Irish Courts.


If you have a problem using this site or if you have questions regarding the content contained herein, please email us at customerservice@unionheritagelife.com.

While Union Heritage has taken care to ensure the accuracy and completeness of information within these pages, visitors to this site are advised that reliance on the information contained within this site is at their sole risk. The information provided in the pages of the website is subject to change and update from time to time. Union Heritage reserves the right, at its sole discretion, to change, modify or remove part of these Terms and Conditions at any time. Please check this page periodically for changes.


Union Heritage takes every reasonable precaution to protect the security and viability of the information on this site, but anyone communicating with the Company using the Internet should be aware of the possibility that unauthorised persons may intercept any such email communications. Therefore, confidentiality of information transmitted in this way cannot be guaranteed.

To the fullest extent permitted by applicable law, under no circumstances, including, but not limited to, negligence, shall Union Heritage be liable for any direct, indirect, incidental, special or consequential damages that result from the use of or the inability to use the website, any changes to the website, or any material or data sent or received or not sent or received.

Unless otherwise noted, graphic images, buttons, layout, and text contained in this website are the exclusive property of Union Heritage and/or its related or affiliated companies, or used with permission and may not be copied or distributed, in whole or in part, without the express written consent of Union Heritage or its related or affiliated companies.


You may not provide hyperlinks to this website without prior written consent of Union Heritage.


Union Heritage may terminate the website with or without cause at any time and with no prior notice. In addition, the Company in its sole discretion, may terminate access to and use of the website for violation of the letter or spirit of these terms and conditions.