Terms & Conditions


Terms and Conditions of use of the Universal Life Web Site


Welcome to Universal Life website.

Before visiting or using the pages and services of Universal Life internet site, you should read carefully the following terms and conditions.

By using/visiting the pages of Universal Life website or services offered through it, you indicate the acceptance of the following terms and conditions and you agree to be bound by them. IF YOU DO NOT AGREE WITH THE TERMS AND CONDITIONS CITED BELOW DO NOT ACCESS THIS SITE OR ANY PAGES THEREOF.

These terms and conditions apply EXCLUSIVELY to your access to, and use of, this website and to anything contained in this Site and do not alter or prejudice in any way the terms and conditions of any other agreement you may have with Universal Life Insurance Public Co Ltd (hereby referred to as Universal Life).


The contents of the Universal Life’s website, including without limitation, texts, news, graphics, drawings, photographs, pictures and generally records of any nature are protected by copyright and are, except for any expressly acknowledged third party rights, governed by national and international copyright law and are provided to the users/visitors for personal use only. Accordingly, the contents may not be copied, stored, distributed, reproduced, sold, downloaded, translated or modified in any manner, whatsoever, in part or in summary form, without the prior express written consent of Universal Life unless otherwise provided by copyright law or any of these terms and conditions.


All pictures, signs, graphics, button icons, scripts, products and services, the Universal Life logo and any other trademarks described or mentioned in this website are the property or registered trademarks of Universal Life. Accordingly, these may not be copied, imitated, or used, in whole or in part, without the prior written permission of Universal Life. The display of such trademarks to our website under no circumstances shall be construed as an assignment or transfer or grant of a license or right of using them in any manner whatsoever.

Whatever else is contained in website of Universal Life and constitutes an established sign or product protected by a third party’s copyright, falls within the third party’s area of responsibility and is therefore not included in the scope of this website.

Links to other webites

This website may contain links or hyperlinks to websites controlled or offered by third-parties. Universal Life hereby disclaims liability for any information, materials products or services posted or offered at any of the third party site linked to this website. By creating a link to a third party Website, Universal Life does not endorse or recommend any products or services offered or information contained at that Web site, nor is Universal Life liable for any failure of products or services offered or advertised at those Sites. Such third party may have a privacy policy different from that of Universal Life and the third party Website may provide less security than the Universal Life website.

Visitor/User’s Obligations

In using this website, you agree:

(a) not to disrupt or interfere with the security of, or otherwise abuse, the website, or any services, systems, resources, accounts, servers or networks connected to or accessible through the website or affiliated or linked websites.

(b) not to disrupt or interfere in any manner whatsoever with any other user’s enjoyment of the website or affiliated or linked Web sites.

(c) to comply with the provisions of Cyprus and International law and the relevant statutory provisions governing telecommunications and shall refrain from any misuse or abuse of the contents and the services of Universal Life’s website; accordingly, any damage caused to Universal Life’s website or generally to the internet by reason or as a result of the visitor/user’s misuse or abuse of the relevant services shall fall exclusively within his/her area of responsibility.

(d) to visit/use the website in a fitting and appropriate manner and shall duly observe the rules of honest industrial and commercial practice.

Applicable Law

These terms and conditions are governed by and construed in accordance with the Laws of the Republic of Cyprus. The courts of the Republic of Cyprus will have an exclusive jurisdiction to determine any dispute, civil action, claim proceeding or arising out of or relating to these terms and conditions. Nothing included in these terms and conditions shall affect the Company’s right to take proceedings against the Account Holder/and or user in any other jurisdiction.

In the event that any of the terms hereof is deemed to contravene the law and is declared void or voidable, the remaining terms hereof shall not be affected in any manner whatsoever and shall continue to be in full force and effect.


This website is not intended for distribution to, or use by, any person or entity in any jurisdiction or country where such distribution or use would be contrary to local law or regulation.

Limitation of Liability - Disclaimer of Warranties

Universal Life exercises its best efforts to ensure that the available information and the contents of the Universal Life’s website is accurate, clear, correct, timely, correct or current and does not include technical inaccuracies or errors. However, Universal Life makes no representations or warranties and expressly disclaims liability if such information or the content of Universal Life’s internet site is not as provided above. The information on this website is provided for information purposes only and is not binding in any way upon the Company. Consequently, any decision or action taken based on information contained to this Site is at your sole responsibility and in no way will the Universal Life be deemed responsible to indemnify persons (natural or legal) for any damage and/or loss and or expense incurred by such persons as a result of the use of such information.

The information and materials contained in this website, including text, graphics, links or other items are provided “as is”, “as available” without any representation or warranty whatsoever, whether express or implied, on Universal Life’s part, including representations or warranties regarding the fitness or merchantability of any of the contents of Universal Life’s website.

Universal Life under no circumstances guarantees an uninterrupted, error-free or virus-free supply of contents and services via Universal Life’s website or via any other site server providing access to the contents of Universal Life’s website. Accordingly, Universal Life shall not be liable for any direct or consequential damage, loss or profit, decision-making, performance or non-performance of any securities or other investment transaction that may arise from the use of Universal Life’s website.

You expressly agree that use of this website, including all content, data or software distributed by, downloaded or accessed from or through this site, is at your sole risk. You understand and agree that you will be solely responsible for any damage to your business or your computer system or loss of data that results from the download of such content, data or software.

In case you publish any of your personal or sensitive information you accept that you are solely responsible for the consequence s of such publicity, such us disturbance by third parties.

You acknowledge that Universal Life does not control in any respect any information, products or services offered by third parties or through this website. Except as otherwise agreed in Writing, Universal Life and its affiliates assume no responsibility for and make no representation or warranty as to the accuracy, currency, completeness reliability or usefulness of content or products distributed or made available by third parties through this site.

Universal Life shall not be liable for errors or inaccuracies in the transmission of data and/or orders from the client/visitor of the Site, interference, fraudulent impersonation, breaking of codes, erroneous recording or transmission of message or system failure due to force majeure


Universal Life reserves the right to vary or modify or amend the content and/or the services of this website and/or the present terms and conditions at any time and at its absolute discretion without prior notice


Notwithstanding any of these terms and conditions, Universal Life reserves the right, without notice and in its sole discretion, to terminate your license to use this website, and to block or prevent future access and use of this website.

Complaints Policy

It is our objective to provide you with a high standard of service. However, we do recognize that on occasions problems may arise and we may fall short of your expectations or the service levels to which we aspire. The following explains what you need to do if you are in any way dissatisfied with our service and wish to make a complaint.

Any comments on our service are welcomed because not only do they help us work to improve our individual service to you, but they also assist the enforcement of our products and services in general.

In case you may have any complaint you can contact us either in Writing, or by telephone or by e-mail to the following address/telephone:

Universal Life 
85 Dhigenis Akritas Avenue 
P.O.Box 21270 , 1505 Nicosia 
Tel. 22 88 22 22 
Fax: 22 88 22 00 
Email: info@unilife.com.cy