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ILAG is a trade body representing members from the Life Assurance and Wealth Management Industries

Terms & Conditions

Thank you for using (the "Site") a website which is controlled and operated by the Investment & Life Assurance Group ("ILAG"), a trade association based in the United Kingdom ("U.K."). We are a limited company by guarantee registered in England and Wales under company number 06295782 and have our registered office at Headlands House, 2A High Street, Thames Ditton, KT7 0RY. You can also contact us by email at This Site contains general information for members about our services and those interested in what ILAG does. The following Terms and Conditions apply to your use of this Site. By using this Site, you acknowledge that you have read, understood and agree to comply with those terms (the "Agreement"). If you do not accept any of these terms, please do not use the Site. Our Privacy Policy is contained on a separate page (please click here to view our Privacy Policy). Please read this page and our Privacy policy carefully.
1. General
Your use of this Site indicates acceptance of these Terms and Conditions. We may from time to time change the terms that govern your use of our Site, and we will post such revised Terms and Conditions on this page. Your use of our Site following any such change constitutes your agreement to follow and be bound by the Terms and Conditions as changed.
2. Terms of Use
  1. Trademarks & Copyright:

    Copyright in the contents of this Site (including without limitation all images, illustrations, designs, icons, photographs, video clips, written and other materials that appear on this Site and HTML and other code) is owned by ILAG or its licensors and may be vigorously protected by the relevant owner. The modification, copying or incorporation into any other work of part or all the material in any form is prohibited except that you may print or download extracts for your non-commercial, informational and personal use only. Re-distribution of all or any part of the Site outside your organisation is not permitted. All rights are reserved. The "look" and "feel" of the Site (including colour combinations, button shapes, layout, design and all other graphical elements) may also be protected by intellectual property law. All product names, names of services, trademarks and service marks ("Marks") are the property of ILAG, or the property of their respective owners, as indicated. You may not use the Marks for any purpose whatsoever other than as permitted by these Terms and Conditions.

  2. Links:

    There may be links that make it easier for you to connect to third party sites or that will let you access this Site from third party sites. Linked third party sites are not under the control of ILAG and ILAG is not responsible for the contents of any linked site, or any link contained in such a linked site. Existence of links to other third-party sites is not an endorsement by ILAG in favour of such site or the products or services or quality or accurateness of information contained in any linked site. Any concerns regarding any such service or resource or any link thereto should be directed to the provider of the outside service or resource. You are permitted to link to our homepage without prior consent. ILAG reserves the irrevocable right to rescind consent to any link to this Site at any time.

  3. Transmission and feedback of information:

    Any information you transmit through this Site is subject to ILAG's Privacy Policy. You agree that ILAG may use and/or disclose information about your demographics and use of the Site in a manner that does not reveal your identity.

  4. Acceptable use:

    The information displayed on the Site may not be used for any purpose except in connection with your direct personal use of the Site as permitted by these Terms and Conditions. In addition, you represent, warrant and agree that you will not use (or plan, encourage or help others to use) the Site for any purpose or in any manner that is prohibited by these Terms and Conditions or by applicable law. You may not do the following in connection with use of the Site:

    • Send unsolicited commercial email to the email addresses provided on the Site. The posting of email addresses is not to be construed as and does not constitute consent to use of them by any seller of services, any compiler of mailing lists, or any other non-authorised use without prior permission from ILAG. In addition, spam, chain emails, advertising solicitations and similar email solicitations are expressly prohibited
    • Transmit to or from this Site any unlawful, threatening, libellous, defamatory, obscene, inflammatory or pornographic material or other material that could give rise to any civil or criminal liability under the law
    • Attempt to probe, scan or test the vulnerability of our Site, system or network or to breach security or authentication measures without proper authorisation
    • Interfere with the proper functioning of the Site or ILAG, including, without limitation, via means of submitting a virus to the Site or ILAG, overloading, "flooding", "mailbombing" or "crashing"
    • Send unsolicited email of promotions and/or advertising of products or services
    • Forge any TCP/IP packet header or any part of the header information in any email
    • Frame the contents of any part of the Site within any materials not originated by ILAG

    You agree to indemnify us against all claims, demands, actions, expenses, losses, damages and costs (including but not limited to reasonable legal costs and disbursements) arising from or incurred because of breach of these prohibited uses and for breach of our copyright, trademarks and other intellectual property rights.

  5. Termination:

    This Agreement is effective unless and until terminated by either you or ILAG. You may terminate this Agreement at any time by written notification to the Group Director. Non-payment of subscription to ILAG will also result in the termination of this agreement. ILAG may also terminate this Agreement at any time and may do so immediately without notice, and accordingly deny you access to the Site, if in ILAG 's sole discretion you fail to comply with any term or provision of this Agreement. Upon any termination of this Agreement by either you or ILAG, you must promptly destroy all materials downloaded from this Site, as well as copies of such materials, whether made under the terms of this Agreement or otherwise.

  6. Severance & Waiver:

    If any provision of this Agreement is found to be invalid by any court having jurisdiction, the invalidity of such provision shall not affect the validity of the remaining provisions of this Agreement, which shall remain in full force and effect. No waiver of any term of this Agreement shall be deemed a continuing waiver of such term or any other term.

3. Site content;

ILAG makes no representations or warranties with respect to any information, material or graphics on this Site. To the maximum extent permitted by law, ILAG expressly excludes all warranties, obligations, representations, liabilities, terms or conditions (whether express or implied, or arise in contract, statute, or otherwise, and irrespective of the negligence of ILAG, its employees or agents) in connection with the information on the Site (including without limitation any relating to satisfactory quality, fitness for purpose, conformity with description, care and skill or compliance with representations).

Although we endeavour to ensure that the content of the Site is accurate and up to date, users should seek appropriate legal advice before taking or refraining from taking any action based on information provided via the Site. In no event shall ILAG be liable for loss of use, data or profits or loss of business projects or any direct, incidental, special, indirect or consequential losses of any kind, whether in an action of contract, negligence or other tortious action, arising out of or in connection with the use of or reliance on information on the site or any of its contents or any delays in the provision of information or any action taken (or not taken) as a result of using the Site.

The foregoing paragraphs do not attempt to affect any of your statutory rights as a consumer or otherwise under the applicable law of the relevant jurisdiction. To the extent that these exclusions and limitations of liability are expressly prohibited by law those parts of the clauses that are prohibited will not apply. The remaining terms and clauses will continue to apply.

ILAG does not warrant that the functions contained in this Site, or its content will be uninterrupted or error-free, that defects will be corrected, or that the Site or its server are free of viruses or other harmful components. If you are aware of any error on this Site, please email us at and we will try to correct it.

Please note that the information, materials and graphics available on this Site may be incomplete, out of date or incorrect. The information, materials and graphics available on this Site may be subject to change without notice.

These Terms and Conditions were last reviewed in February 2022.

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