Website Terms and Conditions

This website contains information about InterGlobal Limited and InterGlobal Insurance Company Limited, and their subsidiary and associated companies worldwide.

PLEASE READ THESE TERMS AND CONDITIONS OF SERVICE CAREFULLY BEFORE USING THIS WEBSITE (“THE SITE”). By continuing to access or use this site or any service on this site, you signify your acceptance of ALL OF THE FOLLOWING terms, conditions and disclaimers including our Privacy Statement. (“THE TERMS”).

InterGlobal Limited and InterGlobal Insurance Company (“InterGlobal”) Limited are authorised and regulated by the Financial Services Authority. The Firm reference numbers for these companies are: 458505 and 312279 respectively Full details of our authorisation can be checked on the FSA's register by visiting the FSA's website or by contacting the FSA on 0845 606 1234.

Any terms or conditions proposed by you that are in addition to or which conflict with the TERMS are expressly rejected by InterGlobal and shall be of no force or effect.

In these Terms

'you', 'your' and 'yours' means you, the person(s) accessing this Site.

'we', 'us' and 'our' means InterGlobal Limited and InterGlobal Insurance Company Limited(InterGlobal ).

‘InterGlobal Group’ means InterGlobal Limited, InterGlobal Insurance Company Limited, and their subsidiary and associated companies worldwide.

These Terms cover your use of this Site. All our products and services have their own terms and conditions (the 'Product Terms'). You must read both the Product Terms and these Terms. To the extent that the Product Terms conflict with these Terms, then the Product Terms will prevail.

CHANGES TO OUR TERMS

The information, material and content provided in the pages of this Site may be changed at any time without notice. Changes may be made to the Terms at any time without notice by updating this posting.
When we introduce new products and services on the Site, we may provide them on supplementary terms which may be notified to you from time to time in accordance with these Terms.

You agree to review the Terms regularly and your continued access to or use of the Site will mean that you agree to any changes.

AVAILABILITY OF SITE, PRODUCTS AND SERVICES

The content, including layout, of this Site or products or services available via this Site may be wholly or partially suspended, withdrawn or changed at any time.

We also reserve the right at any time to immediately suspend the provision of all or any part of this Site to you and/or block your access to this Site.

NO OFFER

Information or opinions contained on this Site do not constitute investment advice or an offer to sell or a solicitation, or offer to buy, any securities or financial instruments.

Should you seek to rely in any way whatsoever upon any information contained on this Site, you do so at your own risk.

Before you make any decision or take any action that might affect your personal finances or business, you should always consult a suitably qualified professional adviser.

WEBSITE CONTENT

Our website contains information about products sold from our UK offices as well as those sold from our regional overseas offices and through overseas strategic partnerships. Some products are co-branded. Such plans are locally licensed in each specific region and may be subject to local regulatory guidelines, terms and conditions. Users must read these terms. Details of applicable regulation will be shown on the relevant documentation for each plan.

USERS

Information on this website is offered only in jurisdictions where they may be lawfully offered and the material on this website is not intended for use by persons located in or resident in jurisdictions which restrict the distribution of this information by us.

This Site is compliant with relevant UK laws and regulation. Because of this, we cannot guarantee that this Site or the information on it complies with local laws, regulations or restrictions of, or is appropriate for use in, other places.

People accessing this Site from outside the United Kingdom must inform themselves about and observe any relevant rules, regulations and restrictions.

You are wholly responsible for use of the Site by any person using your computer and you must ensure that any such person complies with these Terms.

You are liable for any telephone charges and any charges made by your Internet Service Provider as a result of the use by you of the Site

Copying by you - you may print, copy, download or temporarily store extracts from this Site for your personal information or use or to help you use our products and services. You must not alter anything contained on or obtained from this Site in any form. Any other use is prohibited unless you first get our written permission. In particular, no one may use a part of our Site on any other website, or link any other website to our Site, without prior written permission.

Restrictions on Use. You may not use the website contents for any illegal purpose or in any manner inconsistent with the TERMS. You agree to use the website solely for your personal use and benefit or that of your organisation, and not for resale or other transfer to, or use by or for the benefit of, any other person or entity. You agree not to use, transfer, distribute or dispose of any information contained in the Site in any manner that could compete with the business of InterGlobal Limited.

Further Restrictions on Use. You may not reverse, distribute, publish or modify any information on the Site; upload to or store the information in a database; create derivative works from, transmit or in any way exploit any part of the website or information contained within it. Information including analyses and presentations contained within the website may not be re-circulated, re-distributed or published without prior written consent of InterGlobal. You may not offer any part of the website contents for sale or distribution over any medium including television or radio broadcasts, computer networks or the internet without prior written consent from InterGlobal.

No part of the Site may be used to construct a database of any kind or stored (whether in its entirety or in part) in databases for access by you or any third party.

Linking And Framing. InterGlobal prohibits unauthorised hypertext links to this Site, and the framing of any materials available through this Site. InterGlobal reserves the right to disable any unauthorised links or frames and specifically disclaims any responsibility for the contents of any other Internet sites linked to this Site. From this Site we may provide information or hyperlinks to other websites or pages provided by other parties. Your use of other parties' sites may be subject to their own terms and conditions. Please read them.

Access to any other Internet sites linked to this Web site is at your own risk and InterGlobal expressly disclaims any and all liability related to such Web sites.

The following provisions under 'No Warranties' and 'Exclusion of Our Liability' exclude or limit our legal liability for this Site. You should read them carefully. These apply only as far as the law permits, and in particular we do not exclude or restrict our duties and liabilities to you under the Financial Services and Markets Act 2000 (the “Act”), or the rules of the Financial Services Authority (the “FSA”) for the conduct of business.

NO WARRANTIES

Whilst we have taken reasonable steps to ensure the accuracy, currency, availability, correctness and completeness of the information contained on the Site, information and materials on this site are provided on an “as is”, “as available” basis. InterGlobal does not warrant the accuracy, adequacy or completeness of this information and materials and expressly disclaims liability for errors or omissions in this information and materials. No warranty of any kind, implied, express or statutory, including but not limited to the warranties of non-infringement of third-party rights, title, merchantability, fitness for a particular purpose OR USE.

Other than the warranties and representations contained in these Terms, all other warranties and representations, whether express, implied or statutory are, to the fullest extent permitted by the law, excluded. Use of this Site is at your sole risk.

InterGlobal does not:

Make any warranty, express or implied, with respect to the use of the links provided on the Service.
Represent that any information contained on the Site will be accurate, complete or up to date; that the Site will be available; that access to the Site will be uninterrupted or that there will be no delays, failures, errors or omissions or loss of transmitted information.
Guarantee the accuracy, completeness, usefulness or adequacy of any of any information liked to the Site; or
Make an endorsement, express or implied, of any other websites, services, goods or advertisements linked to the Site.
Warrant that the Site is compatible with your equipment or is free of errors or viruses, and is not liable for any damage you may suffer as a result of such destructive viruses.

EXCLUSION OF OUR LIABILITY

To the extent permitted by law, neither we nor any member of the InterGlobal Group shall be liable for any damage, loss or liability (whether arising in contract, tort, including negligence, or otherwise) arising out of or in connection with:

Your use of this Site;
your use or inability to use the information, products and/or services on this Site at any time and for any reason, and any error in the provision of the Site;
any computer virus or other bug transmitted through the Site;
your use of and/or reliance on other websites to which you have gained access by means of hyperlinks published on the Site;
any inaccurate or out-of-date information published on the Site;
your failure to comply with any law or regulation that is applicable to you;
any failure or performance, error, omission, interruption, defect, delay in operation or transmission, computer virus or line or system failure to this Site or your use or attempted use of it;
your reliance on any information published on the Site. You should note specifically that information might be published on the Site that may not be appropriate for your specific purposes or circumstances.

The above exclusions apply to any damage which is direct, indirect, special, incidental or consequential or consists of loss of profits, business, opportunity or data

We shall not be liable to you for any loss you suffer due to any event or circumstances beyond our reasonable control which leads to the Site being wholly or partly unavailable such as but not limited to technical breakdown, strikes or other industrial action (whether or not involving our employees) or communications or power failure.

.All of the above exclusions apply even if you have advised us or any member of InterGlobal of the possibility of the above types of damage, loss or liability.

YOUR OBLIGATIONS

Security - it is your sole responsibility adequately to:

protect and back up your data and/or equipment;
undertake reasonable and appropriate precautions against any computer virus or other destructive materials or elements; and
ensure that your computers and your access to this Site are adequately secured against any unauthorised users.

Where you access password-protected sections of this site it is your responsibility to:

keep the security details which you use to access the site secure at all times;
ensure that any documentation containing personal or account details is shredded or otherwise disposed of securely.

Your use of this Site - you may not use this Site or permit others to use this Site:

in any way (including via electronic means) and for any purpose which is unlawful; defamatory or libellous, offensive, abusive, indecent, menacing or threatening or in any way breaches any intellectual property rights or obligations of confidence; or
to cause annoyance, inconvenience or needless anxiety to any other person or in any other way which is in violation of any applicable law or regulation in any jurisdiction in the world; or
to introduce a virus or other disruptive material or element or otherwise disrupt or impair this Site or any communication service.

THIRD PARTY SITES

Links to Third Party Sites - where we provide hypertext links to other locations on the Internet, we do so for information purposes only. We are not responsible for the content of any websites or pages of third parties linked to or linking to this Site. We have not verified the content of any such websites. Following links to any websites or pages of third parties shall be at your own risk. We shall not be responsible or liable for any damages or in any other way in connection with such linking of those websites or pages.

Downloads from Third Party Sites - links to third party downloadable software sites are for convenience only and we are not responsible nor are we liable for any difficulties or consequences associated with downloading that software. You are responsible for obtaining all necessary authorisations to use such software and we make no implied licence or warranty in relation to the obtaining of or use of such software whatsoever. Use of any downloaded software is governed by the terms of the licence agreement, if any, which accompanies or is provided with the software.

No Endorsement of Third Parties - no endorsement or approval of any third parties or their advice, opinions, information, products or services is expressed or implied by any information on this Site or by any hyperlinks to or from any third party websites or pages.

LINKS TO OUR SITE

Neither you nor any other party may use any part of this Site on any other website, or link any other website to this Site, without our prior written permission.

We are not responsible for the set up of any link from a third party website to our Site.

INTERNET AND E-MAIL COMMUNICATIONS

Messages sent over the Internet (including e-mail) cannot be guaranteed to be completely secure as they are subject to possible interception, monitoring, delay, loss or alteration.

InterGlobal are not responsible for any such messages. We are not liable to you or anyone else for any damages or otherwise in connection with any messages sent by you to us or any third party or any messages sent by or appearing to be sent by us or any third party to you over the Internet (including e-mail). You should not include any sensitive or confidential information in such messages.

OUR MONITORING OF COMMUNICATIONS

To help us improve our service and in the interest of security, we may monitor and/or record communications (whether over the Internet, telephone or otherwise) between you and us.

RECORDS AND TRANSACTION TERMS

Our records, unless shown to be wrong, will be evidence of your dealings with us in connection with the Site.

You agree not to object to the admission of our records as evidence in any legal proceedings because such records are not originals, are not in writing, or are documents produced by a computer.

You agree to us holding information regarding your use of the Site. This includes an audit trail of each time you access the Site and information which you have added, amended or deleted.

It is our policy to retain documents for business effected on your behalf in electronic or paper format for a minimum of 6 years. Thereafter, we may destroy documents without further reference to you.

It is possible for claims to be made long after a policy has expired for certain types of insurance. It is therefore important that you keep your policy documentation safely, and in accordance with statutory requirements.

INTELLECTUAL PROPERTY AND TRADE MARKS

This website, including but not limited to text, content, photographs, video, audio and graphics, is protected by copyrights, trademarks, service marks, international treaties and/or other proprietary rights and UK laws. Information on the Site is also protected as a collective work or compilation under UK copyright and other laws and treaties. All individual articles, columns and other elements making up the Site are also copyrighted works. The trademarks, service marks, trade names, logos, designs, and sounds associated with this website are owned by InterGlobal or licensed to us unless otherwise stated. You agree to abide by all applicable copyright, trademark, and other laws, as well as any additional copyright notices or restrictions contained in the Site.

All present and future rights in and to trade secrets, patents, copyrights, trade names, trademarks, service marks, databases, know-how and other proprietary rights of any type under the laws of any governmental authority, domestic or foreign, including rights in and to all applications and registrations relating to the Site shall, remain the sole and exclusive property of InterGlobal. All present and future rights in and title to information on the Site (including the right to exploit any portions of such information over any present or future technology) are reserved to InterGlobal.

DATA PROTECTION

We are committed to protecting your personal data and privacy. All information that we gather from you in connection with your use of this Site ('your information') will be processed or otherwise dealt with by us in accordance with our Privacy Policy (as amended from time to time) which you should read.

We may, as a result of your interaction with this Site, hold and process personal information obtained about you when you access the Site and use it for servicing our relationship with you, to provide you with products and services, to evaluate the effectiveness of this Site, to assess your financial needs, to conduct our business, and to provide you with better customer services and for statistical analysis.

Your information may also be used for fraud prevention and audit purposes. If you give us false or inaccurate information and we suspect fraud, we will record this.

We may pass your information to other members of InterGlobal Group or agents or others as permitted by law so that they may do the same, and they may pass information held by them about you to us so that we may do the same. We will not disclose any such information outside of the InterGlobal Group except for fraud prevention purposes, and/or if required/obliged by law or governmental or judicial bodies or agencies or to our regulators under proper authority, or under a strict code of secrecy to sub-contractors or persons acting as our agents or where we have your consent or have previously informed you.

Your information may also be exchanged with members of the InterGlobal Group and others to provide you with products and services. If you do not wish your personal information to be used in this way, you will be given an opportunity before buying any products, and/or when accessing any interactive sections of the Site to decline our use of your information for such purposes.

We may also in connection with the above and the provision of this Site transfer your personal data to other members of InterGlobal Group and/or third parties in jurisdictions inside or outside the European Union where there may be less stringent data protection laws. However, wherever it is held and processed, your personal data will be protected by a strict code of secrecy and security which all members of InterGlobal Group, their staff and any third parties are subject to and will only be used in accordance with our instructions. By agreeing to these Terms you agree to such data being so used and that it may be transmitted to others as stated above. We may contact you to ensure that any information you have requested has been received.

Under data protection legislation in the United Kingdom, you can ask in writing for a copy of certain personal records we hold about you. We may make a charge for this service.

ELECTRONIC ADVERTISING

From time to time we may advertise our own products or services and those of other companies in the InterGlobal Group and also those of other parties on our internet web site(s). If, in relation to other agreements between you and us, you have asked us not to send you any marketing material (or if you do so in the future), you agree that this restriction will not apply to these electronic advertisements and consent to receiving them when accessing our internet web site(s).

CONTACTING EACH OTHER

If we need to contact you in relation to your use of our website, we may contact you by e-mail, telephone or post, or by such other methods as may be developed.

The latest details you have given us will be used. We will inform you if any of our contact details change by posting a notice on the Site. We also need you to tell us if your name, address, telephone, e-mail or any other details change.

Should you wish to contact InterGlobal Limited, please refer to the Contact Us menu which can be found on each page of this site.

If you contact us via e-mail, you cannot assume that it has reached us until we return an e-mail acknowledging receipt.

Further information and written details about our products and services are available from any of our offices and on our website. Details may also be obtained by writing to us at our address or telephoning us at the number provided or by contacting your usual divisional contact.

CHILDREN

This Site is not intended to be used by minors.

GOVERNING LAW

These Terms are governed by and are to be interpreted in accordance with the laws of the United Kingdom whose shall have exclusive jurisdiction in respect of any dispute which may arise in connection with the Terms or your use of this Site.

The information in this Site is based on our understanding of current law at the present time. Future changes in legislation and practice could affect the information on this Site.