Terms and Conditions of Use

This Website is provided by Highlands Insurance Company (UK) Limited and PRO Insurance Solutions Limited (together “We”).

These terms and conditions will apply each and every time you access this Website. By using this Website you agree to be bound by these terms and conditions. If you do not agree to be bound by the terms and conditions set out below do not continue to use this Website.

We reserve the right to change these terms and conditions at any time; a notice of any updates will be posted on the home page. You are bound by such changes and should therefore periodically check the home page for details of any amendments to the terms and conditions.

Limitation of Liability

This Website is available to you on an "as is" basis and We give no warranties in respect thereof. All conditions, warranties and representations expressed or implied by statute, common law or otherwise are hereby excluded to the extent permitted by law.

We exclude all liability (whether arising in contract, tort or negligence) arising out of or in connection with your use of the Website. The exclusion means in particular, without limiting the generality of the foregoing, that We expressly exclude all liability which We may otherwise have to you (whether arising in contract, tort or negligence) in relation to:

(a) your (or your employees') access to, use of, or inability to access or use this Website;
(b) any factual, textual, or typographical errors or omissions;
(c) any failure or delay in operation or transmission of this Website;
(d) any computer virus or line or system failure;
(e) any misrepresentation on or relating to this Website (other than a fraudulent misrepresentation made by us or on our behalf);
(f) any direct, indirect, incidental, special, economic or consequential loss or any loss of data, opportunity or goodwill;
(g) any negligent act by us or our employees or agents in relation to this website.

This exclusion of liability shall apply even if you have advised us or our employees or agents of any damage, loss or expense you might suffer.

Nothing in these Terms & Conditions has the effect of excluding or limiting our liability towards you:

• for death or personal injury caused by our negligence or the negligence of our employees or agents;
• under the Financial Services and Markets Act 2000 and any rules and regulations for the conduct of business made under these Acts to which We are subject, including any applicable rules of the Financial Services Authority; or
• for fraud.

We shall not be liable for any damages (whether caused by virus infection or otherwise) to your computer equipment or networks as a result of your access or use of this Website or your downloading of any material from this Website. We recommend that you employ your own virus detection and protection measures when accessing this website.

Interruptions and Omissions in Service

We will endeavour to maintain the availability of this Website. However, the nature of the internet is such that errors, omissions and interruptions may occur at any time.

We also reserve the right at any time to modify or withdraw, temporarily or permanently, this Website, part thereof or any information without notice.

We shall not be liable in any way for errors, omissions and interruptions or for the modification or withdrawal of this Website or part thereof.

Links to Other Websites

Anybody entering this site may be offered links to other Websites that may be of interest. These Websites are maintained by third parties over whom We have no control. We make no representations as to the accuracy of or as to any other aspects of material contained in or offered by other Websites and We accept no liability in respect of the same.

Information

The information on this website or any part thereof shall not be deemed to constitute financial advice for trading or investment purposes or an offer or solicitation to sell investments in any jurisdiction, legal, financial, tax or other advice. You should consult your own professional advisers as to legal, financial tax or other matters relevant to any action you wish to take in connection with this website.

We have used every reasonable endeavour to ensure that the material contained in this Website has been obtained from reliable sources and was accurate and up to date at the time of inclusion . However human errors or technical failures cannot always be avoided and We cannot therefore guarantee the accuracy or completeness of the information contained in this Website and We shall not be liable for any loss or damage which may arise from reliance on information contained in this Website .

Intellectual Property

Unless otherwise indicated all intellectual property rights (including without limitation copyright, trade marks, domain names and database rights) in the whole or any part of this Website belongs to PRO Insurance Solutions Limited or to their content and technology suppliers.

You are permitted to download and store any of the content of the site provided this is solely to view such contents. You are not permitted to redistribute the contents of this Website without the prior written consent of PRO Insurance Solutions Limited.

Governing Law

These Terms and Conditions shall be governed by and construed in accordance with English Law, and the parties agree to submit to the exclusive jurisdiction of the English Courts.