Terms and conditions under which you may use our website

This disclaimer should be read in its entirety. You must accept all the conditions below, in order to continue to use our site. If you cannot accept any of these conditions please leave the website immediately.

This website is for information only, and we do not provide any insurance or other financial products ourselves. These are provided by third party sources, and if you have any queries or problems regarding these you should contact the relevant company directly. Although we make all reasonable attempts to ensure that the companies that we deal with are reputable and honest we can never be 100% certain of this and so you deal with these companies strictly at your own risk, and we accept no liability whatsoever for any consequences which may arise from your contacts with these companies.

We make all reasonable efforts to ensure that the information on this site is correct and up to date. However, we cannot guarantee that circumstances may change which render some of the information incorrect or obsolete. You should not, therefore, rely upon the information on this site in any way whatsoever when making financial or other decisions, and you should contact a properly qualified person for advice before making such decisions.

This website is designed for personal use only. It is not permitted for you to make copies of the site for distribution to any other person or persons, and you must indemnify us against any consequences that may arise if you breach this rule.

You must not use our website in any way which is illegal or could cause harm, annoyance or inconvenience to any person whatsoever.

We will not be responsible to you or any other third person for any losses or damages that you suffer as a result of using our website, which includes financial damage, loss or damage, or corruption of data. Whilst we make all reasonable efforts to keep our website secure there are many sophisticated hackers who place malicious code on websites, or steal data from them. This is a fact of life on the Internet and we cannot therefore accept any responsibility whatsoever for any losses that you sustain as a consequence of this.

If you contact us in any way you must accept that you do so at your own risk. Sending information by e-mail, telephone or contact form cannot be guaranteed to be completely secure in these days of routine hacking by very specialised people. We can therefore make no warranty whatsoever that your communications will remain confidential, and we will accept no responsibility whatsoever for any consequences that arise from interception of your messages to us by another party.

Nothing in this disclaimer will take away any rights that you enjoyed under English law, and any disputes that arise as a consequence of your use of our site must be settled within the legal system of England and Wales.