Terms and Conditions of Use
1. Introduction
This website, www.Specialistrisks.co.uk, is owned and operated by individually.
2. Copyright
Specialistrisks.co.uk includes a combination of content created by us as well as our selected affiliate companies. All materials published on this website, including but not limited to, written content, photographs, graphics, images, illustrations, marks, logos, sound or video clips and flash animation are protected by our copyrights and / or trademarks and those of our affiliate companies. While a visitor may print or download information from this website for personal use only, Specialistrisks.co.uk reserves all it’s rights and strictly forbids any unauthorized use or distribution of the content of this website in whole or in part for any commercial purpose whatsoever. Visitors to this website must not associate www.Specialistrisks.co.uk directly or indirectly with any other website, product or service. Exceptions to the above are only available in writing from the site owners.
3. Terms and Conditions of use of this website and Disclaimer
(i) General – The text and articles published on Specialistrisks.co.uk represent the personal views of the Webmaster and other contributors and is for information purposes only. It should not be construed in any way as “financial advice” with respect to the Financial Services and Markets Act 2000. You are strongly advised to take appropriate professional financial advice before purchasing any insurance product or entering into any binding contracts with third party companies hyperlinked to or otherwise advertised on this website. You should also read the Policy Document relating to any insurance product you are considering purchasing, to ensure that product meets your needs. Specialistrisks.co.uk does not advise on contracts of insurance, we only provide general information on those subjects as well as links to third party companies and their websites by way of advertising and for your convenience. Any reliance you place on any material published on this website is entirely at your sole risk. Those third party companies may request personal details from you for the purposes of providing your insurance quotation. Specialistrisks.co.uk does not request such information.
(ii) Status – Specialistrisks.co.uk is an online insurance resource directory and advertising medium providing free access to companies who choose to advertise with us and their websites. Neither Specialistrisks.co.uk nor its management or employees accept any responsibility or any liability whatsoever, for the terms applying to an insurance product purchased from a third party via a link on this website, or for any complaints relating to those services or products.
(iii) Third Party Links – Specialistrisks.co.uk contains hypertext and image links to websites operated by third party companies and as such these websites are not owned, operated, controlled or maintained by Specialistrisks.co.uk. While we make every effort to ensure the websites we link to are reputable, Specialistrisks.co.uk is not responsible for the availability, content, policies, or practices of linked websites. Links to other websites are provided for your convenience only and you access them entirely at your own risk. You should familiarise yourself with the terms and conditions of any third party websites you choose to visit. The inclusion of any third party content on Specialistrisks.co.uk or a link to a third party site is not an endorsement of that third party website, it’s products or services. Specialistrisks.co.uk does not recommend, sell, resell or license any of the products or services accessed via third party links and we disclaim any and all responsibility for any liability related to those products or services. Your correspondence or related activities with third parties, including payment transactions, are solely between you and that third party. You agree that Specialistrisks.co.uk will not be responsible or liable for any loss or damage of any kind incurred as the result of any of your transactions with third parties. Any questions, complaints or claims related to any product or service should be directed to the appropriate third party company.
(iv) Accessibility – Specialistrisks.co.uk is intended for use solely by residents of the United Kingdom (this excludes the Channel Islands and the Isle of Man). Whilst every care and all reasonable steps are taken to ensure this website is always accessible we will not be held liable if, for any reason, the website is unavailable for any period. We may also have to temporarily suspend access to the website for maintenance but we will try to keep any disruption to a minimum. In addition we cannot guarantee that this website will be free of viruses or defects of any description and we will not be held liable for any technical problems you may suffer as a result of your use of this website.
(v) Accuracy and Validity of Information – Whilst Specialistrisks.co.uk takes all reasonable steps to ensure that the information generated by ourselves and contained within this website is accurate and up-to-date, it is nonetheless supplied on an “as is” basis and accordingly we do not accept any liability whatsoever for any errors, omissions or inaccuracies. Furthermore Specialistrisks.co.uk does not accept any liability for errors, omissions or inaccuracies in the content provided by third party affiliate companies. If you are in any doubt as to the accuracy or validity of information made available on this website we strongly recommend you seek verification by contacting us or the appropriate third party company.
(vi) Warranty Disclaimer – We do not represent nor make any warranty in respect of the accuracy, reliability or supply of any of the services or information presented on this website. The services and information presented on this website is for general information only and is not intended to meet your specific personal requirements. We hereby disclaim any and all warranties, express or implied, to the extent permitted by the applicable laws of UK.
(vii) General Disclaimer – To the fullest extent permitted by applicable laws of UK Specialistrisks.co.uk hereby excludes liability for any claims, loss, or damages of any kind with respect to the service, information and materials given on this website including, but not limited to, direct, indirect, incidental or consequential loss or damage, whether arising from loss of profits, loss of revenue, loss of data, loss of use or otherwise, whether the possibility of such loss has or has not been notified to Specialistrisks.co.uk. The above shall apply whether such claims, loss or damage arises in tort, contract, negligence, under statute or otherwise.
Privacy Policy and Data Protection
Please note that Specialistrisks.co.uk does not collect, store or process any personal information from or about our visitors and therefore cannot supply any such information to others. Third Party Companies and their websites advertised by means of hyperlink, text or image on Specialistrisks.co.uk may collect and / or store information about you in order to process your insurance quotation request. This information is subject to the terms of the Data Protection Act 1998 in accordance with that Company’s Data Protection Policy and as such is not under the control of Specialistrisks.co.uk.