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Terms of use of Live Happier ("Site" or “Website”)

Please read these terms carefully.  They apply to your use of the Live Happier service (the ‘Service’).  By proceeding with access to this Service you are deemed to have accepted these terms.

If you disagree with any part of these terms and conditions, please do not use the Service.

The content of these pages is for your general information and your own personal use only. It is subject to change without notice. You may not use the service for any commercial, business, professional or other income generating purpose or activity, nor by value added resellers.

Using Our Site and accepting our terms

“We” “Us” “Our” means Aviva Life Services UK Limited on behalf of the Aviva Group of companies.

Wherever the name “Aviva” is used within these pages, it refers to one or more of the trading companies of Aviva that operate in the United Kingdom in providing you access to the Site, We require you to observe the following terms and conditions.

Please read these Terms and Conditions carefully before using this Website because your use of this Website constitutes acceptance of these Terms and Conditions. We recommend that you print these Terms and Conditions or save them electronically for your future reference.

Personal use only

Our Site is for personal use by individuals only and must not be used in any way for commercial purposes.  Robots and other mechanical internet tools used by third parties are strictly prohibited.

If We believe that you are misusing our Site, We may suspend or withdraw your access immediately, without prior notice and, if appropriate, pursue legal action against you.

United Kingdom (‘UK’) use only

The pages on this Website are intended for access and use by UK residents only and comply with appropriate UK legislation and regulation.


The information contained in the Service is for general information purposes only and is provided free of charge. The information is provided by Aviva Life Services UK Limited and while We endeavor to keep the information up to date and correct, the information is provided on an ‘as is’ and non-reliance basis and neither Aviva (or our third party licensors) accept any liability or make any representations or warranties of any kind, express or implied, about the completeness, accuracy, reliability, suitability or availability with respect to the Service or the information, products, services, or related graphics contained on the these pages for any purpose. You should not rely on this information and any reliance you place on such information is therefore strictly at your own risk and, to the maximum extent permitted by law, you agree that, as a condition of using the Service, you will bring no claim against either Aviva (or its third party licensors) in respect of any reliance you place on the Service.

Information on this Website does not constitute financial advice

From time to time We may provide financial information, articles and tools to help keep you informed about general financial, market and general public conditions.

Although We make reasonable efforts to update the information on our Site, We make no representations, warranties or guarantees, whether express or implied, that the content on this Site is accurate, complete or up-to-date.

We try to make sure this Website is correct but you should not rely on any of the information on Our Site for advice or as a recommendation that a product or investment is suitable for your circumstances. If you need financial advice, please contact a financial advisor.

Some of the information, tools and articles presented on this Website are provided by third parties and do not represent the views or opinions of the Aviva Group.  Aviva Group is not responsible for the validity or accuracy of such information, tools and articles, they are provided for information purposes only.

Username and password

You must treat your username and password as confidential. If you know or suspect that anyone other than you knows your username and password you must immediately change your password.  If you are unable to change your password or wish to report a problem please contact Us.

If you have forgotten your Username please click on the following link 

If you have forgotten your Password please click on the following link MyInitiative/ForgottenYourDetails/Resend

You will be responsible for any losses you incur as a result of your failure to keep your username and password secure.

Privacy Policy and Cookie Policy

We take your personal privacy seriously. We also have a Cookie Policy. Please read our

Privacy Policy and Cookie Policy and

By using Our Website, you agree to the terms of Our current Privacy Policy and Cookie Policy, which may be updated from time to time.

You must provide accurate information

In order to provide you with appropriate and accurate information, products and financial services We must have accurate information from you.  So, in providing information to Us, you confirm that all data you have given is accurate.  

Intentionally providing false or misleading information or using another person’s e-mail or personal information for the purposes of obtaining any of Our products or services, may lead to termination or forfeiture of the product or services and may result in legal action.  We will terminate any services or products provided to you or others based upon materially false information or under a false identity that you have supplied to us.

Changes to these Terms and Conditions

We may revise these Terms and Conditions, without notice, at any time by amending this page. We urge you to check this page from time to time for any changes.

We may also change or withdraw access and use or terms of registration for this Website at any time, without notice. 

Please see Our website at for further details of Our services in other countries.

Intellectual Property

Trademarks and Copyright

All Aviva Group companies’ trade names and logos, icons and service marks are registered trademarks of Aviva Group.  All rights are expressly reserved. Aviva Group owns or is licensed to use all copyrights, design rights, database rights and other intellectual property in this Site as well as the intellectual property rights in the content, look and feel or links on this Site.

Misuse, Viruses and Cyber Crime

We do not guarantee that Our Site will be secure or free from bugs or viruses.

You are responsible for configuring your information technology, computer programmes and platform in order to access Our Site. You should use your own virus protection software.

You must not misuse Our Site by knowingly introducing viruses, bugs, trojans, worms, logic bombs or other material which is malicious or technologically harmful. You must not attempt to gain unauthorised access to Our Site, Our servers or cloud on which Our Site is stored or any server, computer or database connected to Our Site. You must not, directly or indirectly, attack Our Site via a denial-of-service attack or a distributed denial-of service attack. These things are all cyber crime and by breaching this provision, you commit a criminal offence under the Computer Misuse Act 1990 and Serious Crime Act 2015.

You may not access or use this Site or otherwise exploit, extract, screen scrape, publish, distribute, or reproduce any part of this Site for any commercial or illicit purpose.

We may take legal action if we discover any unauthorised use of Our content or interference with access to this Site, misappropriation, misuse or infringement of Our content, Website functionality, look and feel of the Site or interference with the identity of Our Site or taking any action to impair the good-will of Our trade names, trade marks or other intellectual property and will be prosecuted to the fullest extent of the law.  In the event We suspect a breach involving cyber crime, We will report any such activity to the relevant law enforcement authorities and We will co-operate with those authorities by disclosing your identity to them. In the event of any suspected breach, your right to use Our Site will cease immediately.

If you engage in any of the activities described, We are entitled to any and all of the following remedies: injunction; specific performance; orders to deliver up infringing copies or materials and any other legal or equitable relief for any threatened or actual breach and/or infringement, including special damages.

We have no liability to you or others regarding this Website, including damage caused by:

  • inaccurate, untimely, incomplete or erroneous information
  • unavailability at any time or for any period
  • failure to log in, access the Site or stay on-line
  • events beyond Our control or which could not have been reasonably foreseen
  • third party interference such as hacking, computer viruses, trojans, information posted on the web by unauthorised parties, phishing, and any other cyber crime (See Viruses section above)
  • If you are a business user, please note that in particular, We will not be liable for loss of profits, sales, business, or revenue

We do not limit Our liability for:

  • death or personal injury as a direct result of Our negligence; or
  • for Our own fraud or fraudulent misrepresentation.

Whilst We take all reasonable steps to ensure this Website is always accessible, We will not be held liable for any outage, downtime or unavailability. From time to time We suspend access to the Website for routine or emergency updates and maintenance but We will endeavour to keep any disruption to a minimum.

Third party websites and Linking

This Website may also contain hypertext links to websites operated by third parties. We have no control over the contents of those sites or resources and accept no responsibility for them. The responsibility for the operation and content of those websites shall rest solely with the organisation identified as controlling the third party website and will be governed by separate terms and conditions. Any links to third party websites or third party content are provided for convenience only and inclusion of such links do not imply endorsement of such content or third party sites in any way. We accept no responsibility or liability for the contents of any third party, its website or internet security.

You must not do anything to corrupt, damage or interfere with Our Site and you may not link any other website to Our Site without Our permission. Our Site must not be framed on any other site, nor may you create a link to any part of Our Site.


If you are a consumer, please note that these terms of use, its subject matter and its formation, are governed by English law. Use of this Website and its contents, as well as the products and service provided herein are exclusively governed by the laws of England and Wales and in the event of a dispute both you and the relevant Aviva Group company irrevocably agree to submit to the exclusive jurisdiction of the English Courts.

About us

Live Happier is a Website operated by Aviva Life Services UK Limited registered in England and Wales under 2403746 and has its registered office Aviva, Wellington Row, York, YO90 1WR.