Your use of this website is subject to these terms and
conditions of use ("Terms of Use") and by using the website you
show your agreement to them. If you do not accept these Terms of
Use, please do not use the website. You are required to read this
important information carefully before you proceed any further with
access to this website.
Please note this website is intended for use by residents of the
United Kingdom only. The site is not applicable to
residents/investors of other countries because the law in other
countries may restrict the distribution of the information and
products available on this website.
For the avoidance of doubt, none of the information on this
website constitutes an offer to contract in any country in which it
is available including the UK.
Alterations
British Insurance reserves the right, at any time and without
prior notice, to remove or cease to supply any product or service
contained on this website. In the event that such removal takes
place we shall not be liable to you in any way whatsoever for such
removal.
British Insurance reserves the right to change the content,
presentation, user facilities and availability of any part of the
website at its sole discretion.
Applications for Products and Services
Prices, and details, of products and services (and any offers)
posted online are subject to change without notice. All products
and services are subject to availability and we give no guarantee
in this regard. The provision of details of products and services
on this website are not, and should not be construed as, an offer
to sell or buy such products or services by the relevant company.
The company advertising the products or services concerned may
accept or reject your offer at its sole discretion.
Availability
British Insurance will endeavour to ensure that this website is
accessible for 24 hours a day. However, British Insurance will not
be liable if, for any reason, the website is unavailable at any
time or for any period.
You are responsible for making all arrangements necessary for
you to have access to this website. You are also responsible for
ensuring that all persons who access this website through your
internet connection are aware of these Terms of Use, and that they
comply with them.
British Insurance will not be liable for loss or damage arising
if this website becomes unavailable or is suspended for any
reason.
If you choose, or you are provided with, a user identification
code, password or any other piece of information as part of our
security procedures, you must treat such information as
confidential, and you must not disclose it to any third party. We
have the right to disable any use identification code or password,
whether chosen by you or allocated by us, at any time, if in our
opinion you have failed to comply with any of the provisions of
those Terms of Use.
Copyright and Intellectual Property
British Insurance or the other providers of information on this
website own the copyright and all other intellectual property
rights subsisting in the database accessible via the website and
all material on this website, including all the trademarks visible
on the website.
You are not permitted to download, redistribute or extract any
information on this website in whole or in part other than for your
personal, non-commercial use, unless otherwise stated. Our status
(and that of any identified contributors) as the authors of
material on this website must always be acknowledged.
Except as set out above, you may not reproduce, modify or in any
way commercially exploit any of the information on this
website.
If you print off, copy or download any part of this website in
breach of these Terms of Use, your right to use this website will
cease immediately and you must, at our option, return or destroy
any copies of the materials you have made.
Changes to Terms and Records of Agreements
British Insurance may amend these Terms of Use at any time by
amending this page and such amendment shall apply to your use of
this website after such amendment.
Data Protection and Privacy Statement
All personal information you supply to British Insurance will be
treated in accordance with the Data Protection Act 1998 (as
amended) and the Privacy and Electronic Communications (EC
Directive Regulations 2003).
When you supply personal data via this website, you will be told
what that data will be used for at that point. Through your use of
the website, you agree that personal information that is provided
will be dealt with according to our privacy policy.
Monitoring
British Insurance will monitor your use of this website and any
resultant information may be used by British Insurance for its
internal business purposes or in accordance with the rules of any
applicable regulatory or self-regulatory organisation.
Our Liability
Although we will use reasonable endeavours to ensure the
material on the website is accurate, the material displayed on this
website is provided without any guarantees, conditions or
warranties as to its accuracy. We, other members of our group of
companies and third parties connected to us hereby expressly
exclude any liability for any direct, indirect loss or damage
incurred by any user in connection with this website or in
connection with the use, inability to use, or results of the use of
this website, any websites linked to it and any materials posted on
it, including, without limitation any liability for loss of income
or revenue, loss of business, loss of profits or contracts, loss of
anticipated savings, loss of data, loss of goodwill, wasted
management or office time and for any other loss or damage of any
kind, however arising.
This does not affect our liability for death or personal injury
arising from our negligence, nor our liability for fraudulent
misrepresentation or misrepresentation as to a fundamental
matter.
The publication of the information provided on this website by
British Insurance does not constitute a recommendation that you
enter into any particular transaction nor a representation that any
product and/or service detailed on this website is suitable or
appropriate for you.
Certain products and/or services detailed on this website may
involve significant risks, and unless you have fully understood all
such risks and independently determined that such transactions are
appropriate for you, you should not enter into any
transactions.
You should not construe any of the information which is
contained on this website as business, financial, investment,
regulatory, tax, or accounting advice and this website should not
be the prime basis for any investment decisions which are made by
you or on your behalf.
Governing Law
British Insurance have established this website in England.
English Law shall govern its use at all times and, in the event of
a dispute, relevant parties shall irrevocably submit to the
exclusive jurisdiction of the English Courts.
Information
Information contained on this website is provided for
information purposes only and British Insurance will use all
reasonable endeavours to ensure that it is accurate at the date of
publication.
However, because of the nature of the Internet, there may be
circumstances in which errors or omissions in the information may
occur which are beyond the reasonable control of British Insurance.
For example, unauthorised access by a third party.
Consequently British Insurance will not be liable for loss or
damages arising from the use of or reliance upon any information
contained on this website, unless the accuracy of the information
has been checked with and confirmed in writing by an authorised
representative of, British Insurance before reliance is placed upon
it.
Linking to Our Site
You may link to our home page, provided you do so in a way that
is fair and legal and does not damage our reputation or take
advantage of it, but you must not establish a link in such a way as
to suggest any form of association, approval or endorsement on our
part where none exists.
You must not establish a link from any website that is not owned
by you. We reserve the right to withdraw linking permission without
notice.
Our site must not be framed on any other site without our
express prior written permission.
If you wish to make any use of material on our site other than
that set out here, please contact mail@britishinsurance.com.
Uploading Material to Our Site
Whenever you make use of a feature that allows you to upload
material to our site, or you make contact with other users of our
site, you must comply with the standards set out in our Acceptable
Use Standards section (below). You warrant that any such
contribution does comply with those standards and you indemnify us
for any breach of that warranty.
Any material you upload to our site will be considered
non-confidential and non-proprietary, and we have the right to use,
copy, distribute and disclose to third parties any such material
for any purpose. We also have the right to disclose your identity
to any third party who is claiming that any material posted or
uploaded by you to our site constitutes a violation of their
intellectual property rights, or their right to privacy.
We will not be responsible, or liable to any third party, for
the content or accuracy of any materials posted by you or any other
user of our site.
We have the right to remove any material or posting you make on
our site if, in our opinion, such material does not comply with the
terms set out in the Acceptable Use Standards section.
Links to Third Party websites
Links to third party websites are provided solely for your
convenience and such links do not constitute an endorsement,
authorisation, or affiliation by British Insurance with respect to
such third party website. When you activate these links you will
leave this website. We do not endorse or take responsibility for
the content on third party websites or the availability of those
websites and we are not liable for any loss or damage that you may
suffer by using those websites. If you decide to access linked
websites you do so entirely at your own risk.
Ownership of website
This site is provided and owned by British Insurance who are a
trading name of Towergate Underwriting Group Limited.
Our registered office is: Towergate House, Eclipse Park,
Sittingbourne Road, Maidstone, Kent ME14 3EN.
These Terms of Use apply to your use of every part of this
website. Separate terms and conditions will apply to any websites
accessible via a hypertext link from this website.
Product Terms and Conditions
If you apply for any product or service detailed on this
website, these Terms of Use should be read in conjunction with any
other terms and conditions which relate to any such product or
service and, in the event of any contradiction between these Terms
of Use and the specific terms and conditions relating to such
product or service, the latter shall prevail. For the purposes of
these Terms of Use, product(s) and service(s) shall include,
without limitation, any insurance or financial service.
Viruses, Hacking and Other Offences
You must not misuse this website by knowingly introducing
viruses, trojans, worms, logic bombs or other material which is
malicious or technologically harmful. You must not attempt to gain
unauthorised access to this website, the server on which this
website is stored or any server, computer or database connected to
this website. You must not attack this website via a
denial-of-service attack or a distributed denial-of service
attack.
By breaching this provision, you would commit a criminal offence
under the Computer Misuse Act 1990 and the Police and Justice Act
2006. We will report any such breach to the relevant law
enforcement authorities and we will co-operate with those
authorities by disclosing your identity to them. In the event of
such a breach, your right to use this website will cease
immediately.
We will not be liable for any loss or damage caused by a
distributed denial-of-service attack, viruses or other
technologically harmful material that may infect your computer
equipment, computer programs, data or other proprietary material
due to your use of this website or to your downloading of any
material posted on it, or on any website linked to it.
British Insurance cannot warrant that this website is free of
viruses or technical defects of any description and will not be
responsible for any technical problems arising from the use of this
website.
Acceptable Use Standards
You may use our site only for lawful purposes. You may not use
our site:
- to transmit, or procure the sending of, any unsolicited or
unauthorised advertising or promotional material or any other form
of similar solicitation ("spam");
- to transmit, or procure the sending of any material which is:-
defamatory of any person; obscene, offensive or inflammatory;
sexually explicit; promotes discrimination based on race, sex,
religion, disability, or age; infringes any copyright, database
right or trade mark of any other person; is likely to deceive any
person; is in breach of any legal duty owed to a third party (e.g.
duty of confidence); is threatening or abusive; is likely to
harass, upset or embarrass any other person; misrepresents your
identity; advocates or promotes any unlawful act.
We will determine, in our discretion, whether there has been a
breach of these Acceptable Use Standards through the use of our
site. If a breach of this policy has occurred, we may take such
action as we deem appropriate. Failure to comply with these
Acceptable Use Standards constitutes a material breach of the Terms
of Use and may result if our taking all or any of the following
actions:
- immediate, temporary or permanent withdrawal of your right to
use our site;
- immediate, temporary or permanent removal of any posting or
material uploaded by you to our site;
- a warning being issued to you;
Security
British Insurance will take all reasonable steps, including
encryption, to ensure that any personal information you provide is
kept secure. However, because of the nature of the Internet, and
the fact that it is not a secure system, British Insurance cannot
and do not guarantee that personal information you provide will not
be intercepted by others and decrypted. Consequently your privacy
cannot be guaranteed.
Trademarks
The images, logos and names on this website which identify
British Insurance , a British Insurance company or third parties
and their products and services are proprietary marks of Towergate
Underwriting Group Limited and/or the relevant third parties.
Nothing contained in this website shall be deemed to confer on any
person any licence or right on the part of British Insurance or any
third party with respect to any such image, logo or name.
Copyright 2010 - British Insurance. All rights reserved.