English Law

These Conditions of Use will be governed by and construed in accordance with English law. Any disputes arising in relation to these Conditions of Use will be subject to the exclusive jurisdiction of the English courts. If any of the following provisions shall be unlawful, void or for any purpose unenforceable, then the particular provision will be deemed severable and will not affect the validity and enforceability of the remaining provisions or Conditions of Use.

Access to the Site

Unless otherwise specified, the information on this web site is directed solely at those who access the site from the United Kingdom.

Content and Product Information

The descriptions of all the products and services contained in this web site are for information purposes only. The information and descriptions provided are not intended to be complete descriptions of all the terms, conditions and exclusions applicable. The precise coverage afforded by any insurance policy or other product issued by us is subject to the terms, conditions and exclusions of the policies as issued. Any other products and services provided are subject to their specific terms and conditions as set out throughout the site.

Legal Exclusions and Limitations

We take care to ensure that the information contained in this web site is accurate and up-to-date. However, we make no representations or warranties about the accuracy, completeness, reliability or suitability for any purpose of the information and related graphics published in this site, which may contain technical inaccuracies and typographical errors.

We are not providing any legal, accounting or other professional advice or opinion on specific facts or matters. Also, neither we nor any of our directors, employees or agents will be liable for damages arising out of or in connection with the use of this site or the information in it.

This is a comprehensive limitation of liability that applies to all damage of any kind, including (without limitation) compensatory, direct, indirect or consequential damages, loss of data, income or profit, loss of or damage to property and third party claims. However, nothing shall exclude or restrict liability for death or personal injury resulting from the negligence of us, our directors, employees or agents. Also, nothing shall exclude or restrict our obligations under the Financial Services and Markets Act 2000 or any other current or future Financial Services legislation.

Alterations

We reserve the right, at any time and without notice, to revise the contents of this site including these Conditions of Use. Any changes to these conditions will be posted on this site and by continuing to use this site following any such change, you will signify that you agree to be bound by the revised conditions.

Use of Your Information

By using this site, you agree to the use of any personal data that we may hold on you in accordance with the terms of the Privacy Policy. A copy of our Privacy Policy is listed below.

Copyright

All design, text, graphics and their selection or arrangements are the copyright of third parties or us. Permission is granted to copy electronically and to print in hard copy portions of this site, solely for the purpose of using the site to seek a quotation or buy products and services. Any other use of materials on this site (including reproduction for purposes other than those noted above and alteration, modification, distribution or republication) without prior written permission is strictly prohibited.

Trademarks

All trademarks, product names and company logos are the property of the companies themselves, or Insurance 4u services or any company gives permission for the use of any of the trade marks, the get-up, product names, company names, logos or titles and any such use may constitute an infringement of the holder's rights.

Force Majeure

We shall not be liable to you for any breach of these Conditions of Use or any failure to provide, or any delay in providing, our services through our site that results from any event or circumstance beyond our reasonable control. This includes without limitation, strikes, lockouts and other industrial disputes, breakdown of systems or network access, fire, explosion, accident, insurrection and war.

Links to other Sites

In this site certain links, including hypertext links, will lead you to web sites or pages that are not under our control. These links are provided for your information and convenience and the inclusion of any link does not imply endorsement by us in any way of the site to which a particular link leads.

Other links in this site will lead you to web sites or pages that are under the control of other companies around the world. You should be aware that these web sites are maintained and operated locally and the law and regulations of countries other than the UK may govern the contents and use of such web sites.

Privacy policy

By submitting any information about you and, where applicable, others within this web site, you and they consent to its use as set out in this Privacy Policy.

The Internet is not a secure medium. However we are committed to ensuring that your privacy is protected. The Privacy Policy explains the security measures we have put in place to protect your information and how we use the information we collect about you. We suggest you read it before you provide any information to us.

Within the site, we may ask you to provide us with relevant personal information in order that we can provide you with the product or service requested, undertake administration and generally service and maintain your policy, including responding to any query that you may raise with us.

All personal information supplied by you will be treated in confidence by insurance 4u services and will not be disclosed to any third parties except where your consent has been received or where permitted by law. In order to provide you with products and services this information will be held in our data systems or associated insurance companies.

We may pass your personal information to other companies for processing on its behalf. Some of these companies may be based outside the United kingdom or Europe in countries which may not have laws to protect your personal information, but in all cases we will ensure that it is kept securely and only used for the purposes for which you provided it. Details of the companies and countries involved can be provided to you on request.

We would also like to keep you informed (by telephone, fax, post, sms text, or e-mail) of selected products and services available from us and our carefully chosen suppliers. If you would prefer not to receive this information from us please let us know when you contact us.

As part of the process of providing you with the product or service requested, we may undertake certain checks or exchange information through various databases. For example as part of the process for underwriting general insurance products we may check with a licensed credit-referencing agency and a record of this search will be made. We may exchange information with other insurers or management companies through various databases to help us check information provided and also to prevent fraud. Should we make any checks or exchange information we will include further details within the web site or when we write to you.

Please be aware calls maybe monitored or recorded at anytime.

"Cookies"

When you visit our site, we may attach a "Cookie" to your browser. Cookies are small text files that allow us to identify your computer, recognise repeat users, observe anonymous user behaviour and compile aggregate data about users in order to improve the service we provide. The data we collect using Cookies does not identify individual users and is only used for tracking and analysing use of the site. In some cases we use a reputable third party adserving company for these purposes.

Most web browsers will accept Cookies, but if you would prefer we did not collect data by this method, you can disable this function within your browser settings. However, without Cookies, you may not be able to use the full functionality of our site, including personalisation of the web content to reflect your personal usage.

How we protect your information

We capture your personal information, such as names and addresses, over a secure link using recognised industry standard Secure firewall on a stand alone server. (Please be aware for your security we will not ask for credit card or payment details via this website or any type of email you may receive, such details will only be discussed via the telephone with a insurance4u representative).

Your Consent

When you submit your information within this web site you consent to the use of that information as set out in this Privacy Policy. If we change the Privacy Policy we will post the changes on this page so that you are aware of how we use your information at all times. If you continue to use the service you will signify that you agree to any such changes.

The Internet is a global medium and therefore your information may be transferred outside the European Economic Area en route. By submitting your information, you consent to such a transfer.