These are the terms and conditions which apply to your use of this Website. Please read them carefully. You are required to read this important information carefully before you proceed any further with access to this Website. Please note that this Website is intended for use by residents of the United Kingdom only. The site is not applicable to residents/investors of other countries because the law in other countries may restrict the distribution of the information and products available on this Website. For the avoidance of doubt none of the information on this Website constitutes an offer to contract in any country in which it is available including the UK.

General

• This site is provided and owned by:
  

• Some of the information available on this Website has been provided by other companies within the Towergate Group which are responsible for that information.
  
• These terms and conditions apply to your use of every part of this Website. Separate terms and conditions will apply to any websites accessible via a hypertext link from this Website.
  

Availability

• Towergate Underwriting Group Limited will endeavour to ensure that this Website is accessible for 24 hours a day. However, Towergate Underwriting Group Limited will not be liable if, for any reason, the Website is unavailable at any time or for any period.
  
• Towergate Underwriting Group Limited will not be liable for loss or damage arising in contract, tort, or otherwise if this Website becomes unavailable or is suspended for any reason.
  

Information

• Information contained on this Website is provided for information purposes only and Towergate Underwriting Group Limited will use all reasonable endeavours to ensure that it is accurate at the date of publication.
  However, because of the nature of the Internet, there may be circumstances in which errors or omissions in the information may occur which are beyond the reasonable control of Towergate Underwriting Group Limited. For example unauthorised access by a third party. Consequently Towergate Underwriting Group Limited will not be liable for loss or damages arising, in contract, tort or otherwise, directly or indirectly from the use of or reliance upon any information contained on this Website, unless the accuracy of the information has been checked with Towergate Underwriting Group Limited before reliance is placed upon it.
  

Security

• Towergate Underwriting Group Limited will take all reasonable steps, including encryption, to ensure that any personal information you provide is kept secure. However, because of the nature of the Internet, and the fact that it is not a secure system, Towergate Underwriting Group Limited cannot and do not guarantee that personal information you provide will not be intercepted by others and decrypted. Consequently your privacy cannot be guaranteed.
  

Disclaimers

• This Website contains hypertext links to other websites. The responsibility for those websites is that of the parties who are identified as providing those sites and Towergate Underwriting Group Limited can accept no responsibility for them or their use.
  
• Towergate Underwriting Group Limited accepts no responsibility for the content of any other website to which a hypertext link to or from this Website exists.
  
• Towergate Underwriting Group Limited cannot warrant that this Website is free of viruses or technical defects of any description and will not be responsible for any technical problems arising from the use of this Website.
  
• Towergate Underwriting Group Limited reserves the right to change the content, presentation, user facilities and availability of any part of the Website at its sole discretion.
  

Copyright and Ownership

• Towergate Underwriting Group Limited or the other providers of information on this Website own the copyright and all other intellectual property rights subsisting in the database accessible via the Website and all material on this Website, including all the trademarks visible on the Website.
  
• You are not permitted to download, redistribute or extract any information on this Website in whole or in part other than for your personal, non-commercial use, unless otherwise stated.
  
• Except as set out in clause 13 above, you may not reproduce, modify or in any way commercially exploit any of the information on this Website.
  

Governing Law

• Towergate Underwriting Group Limited have established this Site in England. English Law shall govern its use at all times and, in the event of a dispute, the relevant parties shall irrevocably submit to the exclusive jurisdiction of the English Courts.
  

Amendment of Terms of Use

• Towergate Underwriting Group Limited may amend these Terms of Use at any time and such amendment shall apply to your use of this Website after such amendment.
  

Data Protection and Privacy Statement

• All personal information you supply to Towergate Underwriting Group Limited will be treated in accordance with the Data Protection Act 1998 as amended.
  
• When you supply personal data via this Website, you will be told what that data will be used for at that point.