(Updated Jan 2023)

Emerald Life Terms Of Service

The Emerald website is designed to make it as easy as possible for you to manage your policies and learn more about the company. In providing you access to the Emerald website, you must agree to the following terms which are designed for your protection and ours.

Therefore it is important that you note the following:

Personal use only

The Emerald website is for use by individual consumers only and therefore must not be used in any way for commercial purposes. If we decide that you are abusing this provision in our terms of service we reserve the right to suspend your access to the website and if appropriate, pursue legal action against you or your company.

Username and password

Please keep your login details to the Emerald website secret. If you suspect that anyone without your explicit authority has access to your login details then please change them as quickly as possible and let us know. You are responsible for any loss or damages that occur in the event someone uses your login details without your consent.

Information only

We have gone to great lengths to ensure that all the information on this site is as accurate as possible. However, you should not just use the information on this site for advice that any product is suitable for you. We always suggest that you consult with a professional financial advisor before acquiring a product that has a significant bearing on your finances.


The Emerald website contains hyperlinks to other websites belonging to our partner organisations and others. We take no responsibility for any content or services on third party websites that are linked in this way from the Emerald website.

Furthermore you are strictly prohibited from linking to any other website from the Emerald website without our permission. Additionally, you must not do anything to damage or interfere with the Emerald website and we reserve the right to pursue legal action against you if you attempt to do so.

Privacy and cookie policy

We take your privacy incredibly seriously and have taken all steps possible to protect the personal information you have provided us. Please read our privacy and cookie policies to learn how we treat your data.

Changes to these terms

We reserve the right to alter our terms and conditions at any stage. We will also up updating the Emerald website at regular intervals and may withdraw or add products at any stage.

Copyright and trademarks

The Emerald name and logo are registered trademarks. We also own all the content on this website and therefore you may not use or duplicate it in any way without our permission for commercial purposes. We reserve the right to pursue legal action against you if you do.

Our liability to you

We are not responsible for any damage or loss you may occur as a result of using the Emerald website which occurs due to events beyond our control or which we have no ability to foresee. Additionally we hold no responsibility for events not caused by us.

About us

Emerald Life Limited is registered at Companies House under the number 07201151. Our registered office is Unit 4.2.3, the Leather Market, 11-13 Weston Street London SE1 3ER.

General provisions

The laws of England and Wales shall govern the use of the website and in the event of a dispute you irrevocably submit to the exclusive jurisdiction of the English courts.


This is an important policy for you to read. Although we have included it on our website, the principles apply to all financial services websites that you use.

‘Phishing’ is the collection of personal information over the internet by third parties who pretend to be a person or company that they are not. Such collection is illegal. This usually arises through either (a) asking for personal information to be sent back, or confirmed, or typed into an online form, or (b) giving official looking links to click on, which takes you to a fake web page that looks like the legitimate services provider. These may take the form of a threat (eg suspension of your account, cancellation of your insurance etc. unless you confirm your account details). This information could then be used for credit card fraud or bank fraud.

If you think that you have given information to a third party that you should not have done, please call us on 0330 113 7109 and also the police.

To be clear, we will:

If you are in any doubt about an email or even a call, forward the email to us, or even hang up, wait for five minutes, and call us back to check that it was an official Emerald call. We will not mind; far from it. In fact your behaviour is reasonable and sensible.