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Legal Corporate

– Legal Corporate Information

dencover is the trading name of Unum Limited which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Registered Office: Milton Court, Dorking, Surrey RH4 3LZ. Registered in England No 983768.

Access to and use of the dencover website is subject to the following terms and conditions and the laws of England and Wales.


Unum Limited © 2019. All rights reserved. All copyright and other intellectual property rights in all text, images, sounds, software and other materials on this site are owned by Unum
limited and affiliated companies, or are included with permission of the relevant owner. References to affiliates or affiliated companies shall include all members of The Unum Group.

You are permitted to browse this site and to reproduce extracts by way of printing, downloading to a hard disk and by distribution to other people but, in all cases, for non-commercial,
informational and personal purposes only. No reproduction of any part of the site may be sold or distributed for commercial gain, nor shall it be modified or incorporated in any other work, publication or site. No other licence or right is granted.


All trademarks displayed on this site are either owned or used under licence by Unum Limited and affiliates.


No information on the site shall constitute an invitation to invest in Unum Limited or any affiliate. The price of shares and the income derived from them can go down as well as up and
investors may not get back the amount originally invested. Past performance is not necessarily a guide to future performance.


The information on this site has been included in good faith but is for general informational purposes only. It should not be relied on for any specific purpose and no representation or warranty is given as regards its accuracy completeness or fitness for any particular purpose or any site linked to it. Save to the extent that such limitation is not permitted under English law neither Unum Limited, nor any of its affiliates, nor employees shall be liable for any loss, damage or expense arising in contract, tort or otherwise out of any reliance on information contained in this site, access to or use of or inability to use this site or any site linked to it including, without limitation, any loss of profit, indirect, incidental or consequential loss.


Your information and activity on this site must not:

be false, inaccurate or misleading;

be in breach of any applicable laws, regulations, licences, or third party rights;

interfere in any way with the proper working of the site and in particular you must not circumvent security, tamper with, hack into or disrupt the operation of the site or surreptitiously intercept, access without authority or expropriate any system, data or personal information as defined in the Data Protection Act 1998.

This site is intended normally to be available 24 hours a day and 7 days a week. Unum Limited will not be liable for any failure to achieve this level of availability.

The site may be suspended temporarily and without notice in circumstances of system failure, maintenance or repair or for reasons beyond the control of Unum Limited.

You agree to fully reimburse Unum Limited in respect of all losses, costs, actions, claims,and liabilities incurred by Unum Limited or its affiliates as a result of any breach or non-observance by you of these terms or any data submitted by you to us.

Unum Limited will make all reasonable attempts to exclude viruses (and similar destructive devices) from the site but cannot guarantee the exclusion of viruses (and similar destructive
devices) and you should take appropriate steps in respect of this risk.

Linked sites

At various points throughout the site you may be offered automatic links to other internet sites relevant to a particular aspect of this site. This does not indicate that Unum Limited or
affiliates are necessarily associated with any of these other sites or their owners. While it is the intention of Unum Limited that you should find these other sites of interest, neither Unum Limited nor affiliates nor their employees shall have any responsibility or liability of any nature for these other sites or information contained in them.

These terms shall be governed by and construed in accordance with English Law and each party to these terms submits to the exclusive jurisdiction of the English Courts.

Privacy Notice

Unum Limited is the data controller for the purposes of the Data Protection Act 1998.

By proceeding to use our service you consent that we may process the personal data (including sensitive personal data) that we collect from you in accordance with our Privacy Policy.
In particular, we may use information we hold about you for the purposes of providing you with current and future information about dencover, as well as other products from Unum Limited, unless you ask us not to do so.

Please address any questions, comments and requests about our data processing practices to Unum

Milton Court Dorking





Our website uses a number of cookies. Read more about the individual cookies we use and how to recognise them on our Cookie Policy page


There is no guarantee that any e-mail sent will be received by us, or that the contents of any such e-mail will remain private during internet transmission. If you have any concerns, you may prefer to
telephone or write to us instead.

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