1.
Introduction
1.1
By accessing any part of this Website, you
shall be deemed to have accepted these General Terms of Use in full.
If you do not accept these General Terms of Use in full, you must
cease to use this Website immediately.
1.2
LCL Group may amend or revise these General
Terms of Use at any time without notice. You should check this Website
from time to time to review the then current General Terms of Use
because they are binding on you. Expressly designated legal notices
or terms may be located on particular pages on this Website and
are ancillary to these General Terms of Use.
2. Licence
2.1
You are permitted to print and download
extracts from this Website for your own personal use or internal
business purposes provided that:
(a) no documents or related graphics on
this Website are modified in any way;
(b) no graphics on this Website are used
separately from accompanying text; and
(c) LCL Group copyright and trademark notices
as shown below appear on all copies.
This permission will be revoked immediately
if any of its terms are infringed.
2.2
Unless otherwise stated, the copyright and
other intellectual property rights in all materials on this Website
(including without limitation photographs and graphical images)
are owned by LCL Group or its licensors. Any use of extracts from
this Website other than in accordance with paragraph 2.1 above for
any purpose is strictly prohibited. If you breach any of the terms
of these General Terms of Use, your permission to use this Website
automatically terminates and you must immediately destroy any downloaded
or printed extracts from this Website.
2.3
Subject to paragraph 2.1 no part of this
Website may be reproduced or stored on any other website or included
in any public or private retrieval system or service without prior
written permission from LCL Group.
2.4
Any rights not expressly granted in these
General Terms of Use are reserved.
3. Service Access
3.1
While LCL Group endeavours to ensure that
this website is normally available 24 hours a day, LCL Group will
not be liable if for any reason this Website is unavailable at any
time or for any period.
3.2
Access to this Website may be suspended
temporarily and without notice in the case of system failure, maintenance
or repair or for reasons beyond the control of LCL Group.
4. Visitor material and conduct
4.1
By using this Website you consent to the
processing (including international transfer) of personal information
about you as described in the LCL Group Privacy
& Security Policy.
4.1
Other than personally identifiable information,
which is covered in the LCL Group Privacy
& Security Policy, any material you transmit or post to
this Website will be considered non-confidential and non-proprietary.
LCL Group will have no obligations with respect to such material.
LCL Group will be free to copy, disclose, distribute, incorporate
and otherwise use such material and all data, images, sounds, text
and other things embodied therein for any and all commercial or
non-commercial purposes.
4.2
You are prohibited from posting or transmitting
to this Website any material:
(a) that is threatening, defamatory, obscene,
indecent, offensive, pornographic, abusive, liable to incite racial
hatred, discriminatory, menacing, in breach of confidence, in breach
of privacy or which may cause annoyance or inconvenience;
(b) for which you have not obtained all
necessary licences and/or approvals;
(c) which constitutes or encourages conduct
that would be considered a criminal offence, give rise to civil
liability, or otherwise be contrary to the law or infringe the rights
of any third party, in the UK or any other country in the world;
or
(d) which is technically harmful (including,
without limitation, computer viruses, logic bombs, Trojan horses,
worms, harmful components, corrupted data or other malicious software
or harmful data).
4.3
You must not misuse the Website (including,
without limitation, hacking).
4.4
LCL Group will fully cooperate with any
law enforcement authorities or court order requesting or directing
LCL Group to disclose the identity or locate anyone posting any
material in breach of paragraphs 4.2 or 4.3.
4.5
You shall fully indemnify LCL Group Limited
for any loss or damage suffered by LCL Group Limited or any of its
subsidiaries for breach of paragraphs 4.2 or 4.3.
5. Links to and from other websites
5.1
Links to third party websites on this Website
are provided solely for your convenience. If you use these links,
you leave this Website. LCL Group takes no representations as to
the security, quality or propriety of any website which may be accessed
through this Website and accepts no liability for the content or
for any loss or damage caused or alleged to have been caused by
the use of or reliance on information contained in such websites
or goods or services purchased from them. If you decide to access
any of the third party websites linked to this Website, you do so
entirely at your own risk.
5.2
If you would like to link to this Website,
you may only do so on the basis that you link to, but do not replicate,
the home page of this Website, and subject to the following conditions:
(a) you do not remove, distort or otherwise
alter the size or appearance of the LCL logo;
(b) you do not create a frame or any other
browser or border environment around this Website;
(c) you do not in any way imply that LCL
Group is endorsing any products or services other than its own;
(d) you do not misinterpret your relationship
with LCL Group nor present any other misleading information about
LCL Group;
(e) you do not otherwise use any LCL Group
trade marks displayed on this Website without express written permission
from LCL Group;
(f) you do not link from a website that
is not owned by you or your employer; and
(g) your website does not contain content
that could reasonably be construed as distasteful, offensive or
infringes any intellectual property rights or other rights of any
other person or otherwise does not comply with all applicable laws
and regulations.
5.3
LCL Group expressly reserves the right to
revoke the right granted in paragraph 5.2 for any breach of these
General Terms of Use and to take any action it deems appropriate.
5.4
You shall fully indemnify LCL Group for
any loss or damage suffered by LCL Group Limited or any of its subsidiaries
for breach of paragraph 5.2.
6. Disclaimer
6.1
The communication of information and service
on the 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. In particular,
the contents and/or subject matter of the Website does not constitute
an offer of information, products or services, or offer to purchase
or solicitation of insurance to US residents, or in any other jurisdictions
where such an offer may be unlawful.
6.2
The Website and attached communications
do not represent a prospectus or invitation in connection with any
solicitation of capital. Nor does it constitute an offer to sell
securities or insurance, a solicitation of an offer to buy securities
or insurance, or a distribution of securities in the United States
or to a U.S. person, or in any other jurisdiction where it is contrary
to local law. Such persons should inform themselves about and observe
any applicable legal requirement.
6.3
The information, including any insurance
or financial related information, viewable by you on this Website
is provided for information only and does not constitute an offer
to (or the solicitation of an offer to purchase) insurance, nor
does it constitute investment advice of any kind whatsoever.
6.4
While LCL Group endeavours to ensure that
the information on this Website is correct, LCL Group does not warrant
the accuracy and completeness of the material on this Website. LCL
Group may make changes to the material on this Website at any time
without notice.
7. Warranty and Liability
7.1
This Website is provided “as is”
for information purposes only and LCL Group gives no warranties
of any kind either express or implied in respect thereof. Specifically,
but without limitation, LCL Group does not warrant that:
(a) you will be able to use this Website
or that it will continue to be made available in its current or
any other form;
(b) this Website or any or material of whatsoever
nature available on or downloaded from it will be free from viruses
or defects, compatible with your equipment or fit for any purpose.
7.2
It is your responsibility to use suitable
anti-virus software on any material that you may download from this
Website and to ensure the compatibility of such software or material
with your equipment; or any content or information published on
this website is accurate or complete.
7.3
The editorial content of any other website
to which you have gained access by means of any hyperlinks published
on the Website remains the responsibility of the provider of that
other website.
7.4
All warranties which would otherwise be
implied by law are hereby excluded.
7.5
LCL Group will not (subject only to the
exclusion provision in paragraph 7.6) be liable to you, whether
for negligence, breach of contract or otherwise, for any loss or
damage of whatsoever nature suffered by you (including without limitation,
direct loss or damage, indirect or consequential loss or damage,
loss of goodwill, loss of business opportunity, loss of data or
loss of profit), arising from:
(a) any computer virus or other bug transmitted
through this Website;
(b) your use or inability to use this Website
at any time and any failure by LCL Group to provide this Website;
(c) your use of and/or reliance on other
websites to which you have gained access by means of hyperlinks
published on this Website;
(d) any inaccurate information published
on this Website;
(e) your failure to comply with any law
or regulation that is applicable to you; or
(f) your reliance on any information published
on this Website.
You should note specifically that information
might be published on this Website about insurance that may not
be appropriate for your specific purposes or circumstances. If you
are in any doubt as to who you should contact please refer to the
Contacts section on the main Website.
7.6
Nothing in these General Terms of Use shall
operate to exclude or restrict LCL Group liability for either fraud,
or death or personal injury resulting from LCL Group, or its employees’
negligence.
8. LCL Group Website service does
not involve giving advice
8.1
The services LCL Group provides on the Website
do not include, and do not purport to include giving advice of any
kind whatsoever; providing, arranging, explaining, advising on or
promoting investment products or life insurance of any type whatsoever;
acting as insurance brokers or intermediaries, whether or not independent
from any insurance provider; acting as agents of any kind for you
or for any provider; providing brokerage or intermediary services
of any kind whatsoever or assuming any of the duties of any such
persons under any applicable legal system.
9. Enforcement
9.1
The failure by LCL Group to enforce any
term or condition of the General Terms of Use shall not be deemed
as a waiver of the right to enforce such term or condition.
10. Jurisdiction
10.1
These General Terms of Use and all matters
arising from or connected with them, are governed by and construed
in accordance with the laws of England and Wales.
10.2
The courts of England have exclusive jurisdiction
to settle any dispute, controversy or claim arising from or connected
with these General Terms of Use including one regarding the existence,
validity or termination of these General Terms of Use or the consequences
of their nullity.
LCL Group Ltd is a company registered in
England and Wales with company number 04409120. Registered office;
32 Cornhill, London, EC3V 3SG.
VAT number: 787 4211 07
LCL Group Limited can be contacted at: Cornhill
House, 32 Cornhill, London EC3V 3SG; T: +44(0)20 7398 5600; F:+44(0)20
7623 4352; E-mail:enquiries@lcl-group.com
|
