For financial advisers only. Not to be distributed to, nor relied on, by retail clients.

General terms and conditions

Issued by RL360 Insurance Company Limited. Incorporated in the Isle of Man with limited liability. Registered Office: International House, Cooil Road, Douglas, Isle of Man, IM2 2SP, British Isles. Telephone: +44 (0)1624 681681. Telephone calls may be recorded. Fax: +44 (0)1624 677336 or Website: This website contains products that are not authorised in Hong Kong and are not available to Hong Kong investors. The appointed representative in Hong Kong is RL360 Insurance Company Limited's Branch office: RL360 Insurance Company Limited, Suite 3605, The Center, 99 Queen's Road Central, Hong Kong. RL360 Insurance Company Limited is authorised by the Isle of Man Financial Services Authority. Registered in the Isle of Man Number 053002C and in Hong Kong Number F9136. A Member of the Association of International Life Offices.

This web site ("Site") is published by RL360 Insurance Company Limited. It is provided for information purposes only and does not constitute an invitation to acquire an investment on the basis of information given here or elsewhere.

Your use of the Site is subject to the following terms and conditions ("Terms"). You must read these Terms carefully before using the Site, as by accessing any page on the Site you confirm that you have read and understood the Terms and you agree to be bound by them.

RL360 Insurance Company Limited may amend the Terms from time to time.

The entire content of this Site was last reviewed in July 2012.

About the Site

The Site contains general information on the products and services of the RL360 Insurance Company Limited (hereinafter referred to as "Company / we / us", unless otherwise stated. Nothing in these pages shall be deemed to constitute financial or other professional advice in any way. The Company takes all reasonable steps to ensure that the information on this web site is accurate and up to date. However, no liability can be accepted for any errors or omissions.

The Company does not and cannot give tax advice and cannot accept liability for any loss suffered by any person as a result of action taken. Tax legislation varies from country to country and as such, specialist tax and legal advice should be taken before any investment is made or tax strategy implemented.

These pages do not purport to give investment advice and it is important that you do not rely upon their contents to make investment decisions. This Site should not be regarded as an offer or solicitation to sell investments in any jurisdiction.

The Company cannot accept any liability for any loss or damage arising as a consequence of any party relying on the content of this web site.

Whilst we will try to keep the material on the Site up to date, we will not be liable to you or to any other party for the consequences of any delays, errors or omissions in doing so.

We reserve the right from time to time to alter any part of the Site including, without limitation, product information or information made available on the Site. We do not guarantee that the Site or the information on the Site will be available continuously and without interruption or fault and we may suspend or withdraw the Site at any time and for any reason.

We will process your personal data in accordance with our Privacy Policy.

Use of the Site

You may download the Site to a local hard disk for your personal use only. You may not reproduce all or part of the content of the Site without our prior written consent unless it is for personal use. No part of the content of the Site may be incorporated into or stored in any other web site, electronic retrieval system or other work in any form.

You may not publish, copy, distribute, modify, transmit, or reproduce in any form (whether in hard copy, electronic or other) or otherwise use the information and materials on the Site for any purposes other than those set out in the Terms.

You must not:

Privacy Policy

This Privacy Policy sets out the data processing practices of RL360, including the Company in relation to the web site ("Site"). This Privacy Policy may change and you should review it regularly.

What we will do with your information

We will obtain personal data from you when you contact us. Any personal details you provide will only be used for administration purposes, to respond to any enquiry, request for information or complaint, to provide any requested or relevant information and/or to contact you in connection with your request, query or complaint. We will keep your data for a reasonable period, even if you do not proceed to take out a product with us. By providing us with your personal details, you consent to the details being used for these purposes including any sensitive personal data such as health details that you provide.

We may collect information automatically about your visit to the Site. This information is used to monitor users' access and use of the Site, and allows us to gather broad demographic information, which will help us to regularly improve the Site. We may disclose aggregated information regarding demographics to third parties for reporting and analysis purposes. This information will be anonymous and will not contain information from which any individual can be identified.

We reserve the right to review the contents of any archives, data or code resident on our systems.

Information on third parties

Where you provide us with information about another person, you confirm that they have appointed you to act for them to consent to the processing of their personal data and that you have informed them of our identity and the purposes (as set out above) for which their personal data will be processed.

Data Protection Act - General

Any information you provide to us may be shared with other companies both inside and outside of RL360, including our reinsurers and financial intermediaries or agents acting on your behalf. It may be transferred outside the Isle of Man and we may be obliged to disclose it to our regulator and to others as demanded by law. The Isle of Man's Data Protection Act 2002 entitles you, on payment of a small fee, to obtain a copy of the information we hold on you. For further information please write to the Data Protection Officer at the registered office address shown above.

Intellectual property

All intellectual property rights in materials in or on the Site including, without limitation, the Site layout, designs, text, images, graphics and any underlying databases remain the property of the Company, no rights will pass to you. You agree not to alter or remove any copyright notice, trade mark or any other proprietary rights notice or mark from any of the material or information contained within the Site.


We collect information automatically about your visit to the Site using cookies. We do not intend to analyse this information to identify your particular Site visit details.

Monitoring users' access and use of the Site allows us to gather and analyse broad aggregate information on Site performance for internal reporting purposes.

'Cookies' are text files, which are sent to your computer or other access device when you access a web site. Information about you is stored in the cookies, which can be accessed whenever you visit that web site. You can delete any cookies that are already on your computer and set your browser to refuse cookies.

Please refer to your browser instructions or help screen to learn more about these functions but note that by deleting cookies or disabling future cookies, you will not be able to take full advantage of all the functionality of the Site.

More information on cookies can be found at

Links to other web sites

We provide hypertext links to third party internet sites through the Site and we may display advertisements from third parties on the Site. These sites are not covered by our Privacy Policy and we are not responsible for the content or privacy policies of these sites and third party advertisers, nor for the way in which information about their users is treated. In particular, unless expressly stated, we are not agents for these sites or advertisers nor are we authorised to make representations on their behalf. We would advise you to look at the privacy statement applicable to each site.

We have no control over the third party internet sites that you can access by hypertext link through the Site. These sites are not covered by our Terms and we are not responsible for the content nor the way in which information about their users is treated. By providing a link, we are not endorsing or indicating our approval of the content of that web site nor are we authorising you to access and use any information held on that web site.

We make no warranties, representations or undertakings about and take no liability whatsoever (including, but not limited to, liability arising out of any allegation that the content of any other web site is misleading, inaccurate, defamatory or otherwise infringes any law or the rights of any person or entity) for any other web site referred to on, or accessed through, this Site.

Your liability

You will indemnify us and keep each member of RL360 indemnified against any and all claims, damages, losses, liabilities and costs arising from and in connection with your use and/or abuse of the Site or your breach of these Terms.

Disclaimer/our liability

Whilst we will deliver our service with reasonable skill and care, the information contained within the Site has been compiled in good faith; all warranties, representations and undertakings, whether express or implied, statutory or otherwise, including but not limited to warranties of satisfactory quality, accuracy, fitness for a particular purpose and of non-infringement of the rights of a third party, are hereby excluded to the fullest extent permitted by law.

To the extent permitted by applicable law, we make no warranties, representations or undertakings that the Site or any material on the Site will be free from viruses or other defects. We recommend that you take your own precautions to ensure that whatever you select for use from this Site is free from computer viruses or other defects.

We will not be liable or responsible to you for costs, losses, claims or damages of any kind, whether direct, indirect, consequential, special or otherwise, arising out of your access to, or use of, the Site nor your downloading and use of, or reliance upon, information provided on or through the Site.

Links to Company web sites

Anyone linking to this or any other Company web site must obtain written permission from us before doing so.


This website is governed by Isle of Man law and any dispute or action arising out of the use of this site shall be determined in accordance with such laws.

Important information

Our policyholders are protected by the Isle of Man Compensation of Policyholders protection scheme, which covers 90% of our liability where RL360 is unable to meet its financial obligations.

The information contained in this web site is based on the Company's current interpretation of UK tax legislation and HMRC practices.

The rates of and reliefs from taxation may change in the future and the actual tax due will depend on the personal circumstances of the investor(s).

Please remember that tax legislation varies from country to country.

The value of investments can fall as well as rise and is not guaranteed.

Past performance may not be repeated therefore it must not be used as a guide to future performance.

RL360 Insurance Company Limited is not responsible for, and will not compensate Policyholders in relation to, the performance of their underlying funds.

A full description of the charges and how they might affect the value of a portfolio can be found in the relevant literature for each product.

If you have any questions concerning these Terms and Conditions please contact us using the contact details on the Site.