Terms and Conditions

August 2007

Introduction

In these Terms and Conditions “we, our, us” refers to “KMS Insurance Management Limited”.

This website is operated by KMS Insurance Management Limited a company registered in England and Wales (registered number: 5337155) whose registered office is at America House, 2 America Square, London, EC3N 2LU.

Use of this site (“the Site”) and the services provided by it are subject to the following terms:

• By using the Site you agree to be legally bound by these terms which will take effect immediately on your first use of the Site. If you do not agree to be legally bound by all of the following terms, please do not access and/or use the Site.
• We may change these terms at any time by posting changes online. Please review these terms regularly to ensure you are aware of any changes made by us. Your continued use of the Site after changes are posted means that you agree to be legally bound by these terms as updated and/or amended.

Availability of the Site

We will endeavour to ensure that the Site is available 24 hours per day without any interruptions. However, we reserve the absolute right to alter, suspend or discontinue any aspect of the Site or the services provided through it, including your access to it, without notice.

Disclaimers and Limitation of Liability

Use of this Site is both free and available to all and it is a condition that your use of the Site is at your own risk.

The information held on the Site including but not limited to product descriptions, special offers, images, graphics and pricing details is for general information purposes only. The information is provided on the understanding that the website is not engaged in rendering advice and should not be relied upon when making any related decision. No representations, warranties or undertakings are given in relation to the content of the Site or in relation to the quality, accuracy, completeness or fitness for purpose of content.

We accept no responsibility or liability for any loss or damage, costs or expenses of whatever nature arising in any way out of the use of, or inability to use, the Site or for any error or omission of any information contained in the Site. We do not warrant that your use of the Site will not infringe third party rights or that the use of the Site or materials downloaded from it will not cause computer virus infection or other damage to property.

We do not warrant that functions contained in the Site will be uninterrupted or error free, that defects will be corrected, or that the Site or the server that makes it available are free of bugs or viruses.

Links

The Site may contain search results, third party materials, advertisements and links to websites operated by other parties. We do not control such websites and do not accept responsibility or liability for the operation or content of such sites, or any loss or damage caused or alleged to be caused by or in connection with the use or reliance on the content of any linked site. Our inclusion of search results, third party materials, advertisements and links to other websites does not imply any endorsement by us of any linked site or its provider or products or services described therein.

Intellectual Property

You acknowledge and agree that use of the Site and any associated software in connection with the Site will contain proprietary and confidential information that is protected by intellectual property and other laws. You further acknowledge and agree that the content on the Site is protected by copyright, trademarks, service marks, patents or other proprietary rights and laws. Except as expressly authorized by us or the relevant content provider, you agree not to modify, rent, lease, loan, sell, distribute, or create derivative works based on the information from the Site in whole or in part.

You are permitted to download and store (on a temporary basis) any of the contents of the Site provided this is solely for you to view such contents and not for any commercial purpose. You are forbidden from permanently copying, storing or any way distributing the contents of the Site including but not limited to the structure, overall style and program code, except for the content specifically made available for download.

Any other use of the Site content requires our written permission or that of the relevant content provider. For further information on use of the content from the Site, or if you wish to make a request for consent to use any of the content or material contained within it, please contact us using the details at General Enquiries.

Personal Data

We only use any personal data collected during your use of the Site in accordance with the current UK data protection legislation and our Privacy Policy.

General Enquiries

If you have any feedback about the Site or have a question please contact us using the details at General Enquiries.

Applicable Law

The site, including the terms and conditions which relate to the Site is governed by English law. The English courts shall have exclusive jurisdiction over any disputed rights or other matter in relation to this Site or its use.

If any provision of these terms shall become or be declared illegal, or invalid or unenforceable for any reason whatsoever, such provision will be divisible from them and shall be deemed deleted from them.