Legal Disclaimer

Terms of website use

This page (together with the documents referred to on it) explains the terms of use on which you may make use of our website (our site). Please read these terms of use carefully. By using our site, you indicate that you accept these terms of use and that you agree to abide by them. If you do not agree to these terms of use, you must not use our site

These terms of use refer to the following additional terms, which also apply to your use of our site:

  1. Our Privacy Policy, which sets out the terms on which we process any personal data we collect from you, or that you provide to us. By using our site, you consent to such processing and you warrant that all data provided by you is accurate.
  2. Our Cookie Policy, which sets out information about the cookies on our site.

We may revise these terms of use at any time by amending this page. New terms and conditions shall be effective and become binding on publication. It is your responsibility to check this page from time to time to check for any changes so please review these pages regularly.

Information About You

The STM Life Online service holds your data for the purpose of providing you with direct access to your policy information.

This is a consent-based service, with your consent being granted when you register. To revoke your consent to this use of your data at any time, please email:

For details on how we process information about you, please see our Privacy Notice.

Information About Us is a site operated by STM Life Assurance PCC Plc (“We”, “Us”, “STM Life”). We have our registered office at Montagu Pavilion, 8-10 Queensway, Gibraltar.

Accessing Our Site

Access to our site is permitted on a temporary basis, and we reserve the right to withdraw or amend the service we provide on our site without notice (see below). We will not be liable if, for any reason, our site is unavailable at any time or for any period.

From time to time we may restrict access to some parts of our site, or to our entire site, to users who have registered with us.

You are responsible for making all arrangements necessary for you to have access to our site. You are also responsible for ensuring that all persons who access our site through your internet connection are aware of these terms and comply with them.

Copyright and Intellectual Property

We are the owner or the licensee of all intellectual property rights in our site, and in the material published on it. Those works are protected by copyright laws and treaties around the world. All such rights are reserved.

You may print off one copy, and may download extracts, of any page(s) from our site for your personal reference and you may draw the attention of others within your organisation to material posted on our site. Our status (and that of any identified contributors) as the authors of material on our site must always be acknowledged.

You must not use any part of the materials on our site for commercial purposes without obtaining a licence to do so from us or our licensors.

If you print off, copy or download any part of our site in breach of these terms of use, your right to use our site will cease immediately and you must, at our option, return or destroy any copies of the materials you have made.

Reliance on Information Posted

Commentary and other materials posted on our site are not intended to be construed as advice on which reliance should be placed. We therefore disclaim all liability and responsibility arising from any reliance placed upon such materials by any visitor to our site, or by anyone who may be informed of any of its contents. No information contained on our site shall constitute an invitation to invest or otherwise deal in our shares. Any investment decision is made of your own volition and no communication by us should be treated as an invitation or inducement to engage in investment activity.

Our Site changes regularly

We aim to update our site regularly, and may change the content at any time. If the need arises, we may suspend access to our site, or close it indefinitely. Any of the material on our site may be out of date at any given time, and we are under no obligation to update such material.

Our Liability

The material displayed on our site is provided without any guarantees, conditions or warranties as to its accuracy. To the extent permitted by law, we hereby expressly exclude:

All conditions, warranties and other terms which might otherwise be implied by statute, common law or the law of equity.

Any liability for any direct, indirect, or consequential loss or damage incurred by any user in connection with our site or in connection with the use, inability to use, or results of the use of our site, any websites linked to it and any materials posted on it, including, without limitation any liability for: loss of income or revenue; loss of business; loss of profits or contracts; loss of anticipated savings; loss of data; loss of goodwill; wasted management or office time; and for any other loss or damage of any kind, however arising and whether caused by tort (including negligence), breach of contract or otherwise, even if foreseeable.

This does not affect our liability for death or personal injury arising from our negligence, or our liability for fraudulent misrepresentation or misrepresentation as to a fundamental matter, or any other liability which cannot be excluded or limited under applicable law.


This site uses cookies – small text files that are placed on your machine to help the site provide a better user experience. In general, cookies are used to retain user preferences, store information for things like shopping carts, and provide anonymised tracking data to third party applications like Google Analytics. As a rule, cookies will make your browsing experience better. However, you may prefer to disable cookies on this site and on others. The most effective way to do this is to disable cookies in your browser. We suggest consulting the Help section of your browser or taking a look at the About Cookies website which offers guidance for all modern browsers.

Please note that cookies must be enabled in order to fully benefit from all of the services offered by STM Life Online.

Viruses, Hacking and Other Offences

You must not misuse our site by knowingly introducing viruses, trojans, worms, logic bombs or other material which is malicious or technologically harmful. You must not attempt to gain unauthorised access to our site, the server on which our site is stored or any server, computer or database connected to our site. You must not attack our site via a denial-of-service attack or a distributed denial-of service attack.

We will not be liable for any loss or damage caused by a distributed denial-of-service attack, viruses or other technologically harmful material that may infect your computer equipment, computer programs, data or other proprietary material due to your use of our site or to your downloading of any material posted on it, or on any website linked to it.

Linking to Our Site

You may link to our home page, provided you do so in a way that is fair and legal and does not damage our reputation or take advantage of it, but you must not establish a link in such a way as to suggest any form of association, approval or endorsement on our part where none exists.

You must not establish a link from any website that is not owned by you.

Our site must not be framed on any other site, nor may you create a link to any part of our site other than the home page. We reserve the right to withdraw linking permission without notice.

If you wish to make any use of material on our site other than that set out above, please address your request to

Links from Our Site

Where our site contains links to other sites and resources provided by third parties, these links are provided for your information only. We have no control over the content of those sites or resources, and accept no responsibility for them or for any loss or damage that may arise from your use of them.

Jurisdiction and Applicable Law

The English courts will have non-exclusive jurisdiction over any claim arising from, or related to, a visit to our site although we retain the right to bring proceedings against you for breach of these conditions in your country of residence or any other relevant country. These terms of use are governed by English law.


We may revise these terms of use at any time by amending this page. You are expected to check this page from time to time to take notice of any changes we made, as they are binding on you. Some of the provisions contained in these terms of use may also be superseded by provisions or notices published elsewhere on our site.

STM Life Online Logins

The content of this website subdomain,, is subject to copyright with all rights reserved to STM Life. Users of this website may download or print individual parts of the site for their personal use and information only provided they retain all copyright and other proprietary notices. Users must not (whether wholly or partly) reproduce, transmit by electronic means or otherwise, modify or link into or use for any public or commercial purpose the website without the prior written permission of STM Life.

The information contained in this website is intended for general information purposes only and for distribution to intermediaries, IFAs and other professionals and not to the general public. While STM Life endeavour to keep the information up to date and correct, the content is of a general nature, and we make no representation or warranties of any kind (express or implied) as to the completeness, accuracy, suitability or availability of the services, products or related information contained on the website. Any reliance you place on such information is at your own risk.

Users of this website must not transmit any viruses or other item of a destructive or corrupting nature to this website and it is the user’s responsibility to ensure that whatever is downloaded or selected for use from the site is free from such items, with STM Life accepting no liability for any damage or loss in connection with, or as a consequence of, the corruption of any electronic device.

Whilst STM Life will take all reasonable steps to ensure that the website is always accessible, STM Life does not warrant that the website will be available, that access will be uninterrupted, that there will be no delays or failures in the website or that no viruses will be transmitted to your computer or other hardware used to access the website. STM Life accepts no liability for any losses due to the website being unavailable at any time. STM Life may have to suspend access to the website to update the website and to carry out maintenance. Also, the website may be unavailable due to circumstances beyond STM Life’s reasonable control.

STM Life may make changes to the information, products or services described in this website at any time without updating changes in the website.

STM Life reserves the right from time to time to make changes or additions to these terms of use; therefore we recommend that you check this page regularly for any changes.