Legal Notice

WEBSITE TERMS OF USE

This website is owned and provided by [Lifestyle Services Group Limited (“LSG"), with mailing address of Emerald Buildings, Westmere Drive, Crewe, Cheshire CW1 6UN, United Kingdom (UK)]. LSG and the companies appearing on this Site are members of the Assurant, Inc. group of companies (collectively, “Assurant companies,” “we,” “our,” or “us”, or, individually, “Assurant company”). We require that each visitor (“User,” “you,” or “your”) to this Internet Web site on the World Wide Web (“Site”) adhere to the following Terms and Conditions, which may have been revised since You last visited this Site.

Please read these Terms and Conditions carefully before using this Site. By accessing this Site, each User acknowledges that he or she has read, understands and accepts each of the Terms and Conditions. Each User is bound by any revisions to these Terms and Conditions and should visit this page at each visit to review the current terms and conditions. If the User does not agree to all of the Terms and Conditions, he or she should not use this Site.

Informational Purposes Only

The information contained herein is not intended to constitute an offer to sell or a solicitation in connection with any product or service. It is provided solely for general informational purposes. Any insurance or non-insurance product described on this Site may have exclusions, limitations, reductions in benefits and terms under which it may be continued in force or discontinued. For more information, please consult the referenced policy or contract. The general information about the products and services applies to the United Kingdom only. All products and services may not be available in other locations.

Assurant companies make no representation as to the financial or other suitability of any product or service described on this Site for any User.

Restrictions of use of the Site

Unless otherwise specified, the Site and all information, material and content displayed on it (the “Content”) are for your personal and non-commercial use only. In accessing and using the Site, you agree that you will not:

Use the Site in any manner which could damage, overburden, or interfere with the use of or security of the Site or other Users’ devices, or damage, disrupt or limit the functioning of any software, hardware, or telecommunications equipment.
Attempt to gain unauthorized access to the Site, any related website, or other accounts, computer systems, or networks connected to the Site, through hacking, password mining, or any other means.
Obtain, decipher, or attempt to obtain any materials, transmissions or information through any means not intentionally made available through the Site, including by collecting information about others such as email addresses.
Misuse the Site by knowingly introducing viruses, trojans, worms, logic bombs or other material that is malicious or technologically harmful;
License, transfer, assign or otherwise commercially exploit the Site to third parties other than as permitted in these Terms and Conditions;
Transmit any material that is defamatory, offensive or otherwise objectionable in relation to its use of the Site nor use the Site or any location information displayed on it to stalk, harass, abuse, defame, threaten or defraud other users or collect, attempt to collect or store location or personal information about others;
Upload or store any material that is, or appears to be, unlawful, illegal or in any way defamatory or harmful, or which infringes another person’s right to privacy, confidentiality or third-party copyright, trademarks, or any other third-party intellectual property rights; or
Otherwise use the Site or its content in any unlawful manner, for any unlawful purpose, or in any manner inconsistent with these Terms and Conditions, or act fraudulently or maliciously in the use of the Site or its content.

If you breach these restrictions, we reserve the right to withdraw and/or disable your access to the Site.

Our liability to you for the Site

We make no warranties or representations, express or implied, that:

the Site will operate error-free or uninterrupted or that defects will be corrected,
the Ste and/or its server will be free of viruses and/or other harmful components,
any information transmitted via the Site will be safe from loss, or
the Site and/or or the Content are accurate, complete, up to date or suitable for your purposes.

You agree that, to the fullest extent permitted by applicable law, your sole and exclusive remedy for any problems or dissatisfaction with the Site or the Content is to stop using the Site and any Content.

We do not exclude or limit our legal liability in relation to the Site and Content in any way: (a) for death or personal injury caused by our negligence or the negligence of our personnel; (b) for fraud or fraudulent misrepresentation; or (c) where it would otherwise be unlawful to do so.

We may, in our sole discretion, modify, suspend, or terminate the Site and/or any portion of it at any time for business or operational reasons

Copyright, Trademarks and Service Marks

All content on this Site is protected by applicable copyright laws. Users are prohibited from modifying, copying, distributing, transmitting, displaying, publishing, selling, licensing, creating derivative works or using any content on this Site for commercial or public purposes. The trademarks, logos and service marks (the “Marks”) displayed on this Site are the property of Assurant companies or affiliates (collectively “Assurant”). Users are prohibited from using any Mark for any purpose without the express written permission of Assurant.

Ownership and your use of the Content

The Website and its Content, including but not limited to text, photographs, graphics, video and audio material, software, Assurant logos, titles, characters, names, and button icons, are owned by or licensed to Assurant, Inc. or its subsidiaries or affiliates and protected by copyright, trademark and other intellectual property laws around the world. The posting of information and material on this Site does not constitute a waiver by Assurant or any of their licensors of any rights in such material and does not transfer any rights to any User of this Site. All rights are reserved and you must not use the Intellectual Property other than as set out in these Terms and Conditions.

You may view and download extracts and print a reasonable number of pages within the Site solely for your personal or internal, non-commercial purposes, provided that (a) no such pages are modified, and (b) this page and any notice in such pages regarding use or ownership are included with such stored, reproduced or distributed pages. You must not use any illustrations, logos, photographs, video or audio sequences or any graphics separately from any accompanying text. Our status (and that of any identified contributors) as the authors of Content must always be acknowledged.

Linking
Assurant companies prohibit caching, hypertext links to this Site and the framing of any services, without the express written permission of an Assurant company.

This Site may contain hyperlinks to websites operated, owned or maintained by parties other than Assurant companies. Such hyperlinks are provided solely as a matter of convenience. Assurant companies do not control such websites and are not responsible for their contents. When you activate these links, you will leave the Site. We do not endorse or take responsibility for the content on third-party websites, or the availability of those websites and we are not liable for any loss or damage that you may suffer by using those websites. If you decide to access linked websites, you do so at your own risk. Please consult the conditions of use and privacy policies on those websites for further details on use of those websites.

E-Mail Usage

While We wish to promote the privacy of individual e-mail users, We cannot guarantee the security or privacy of Your e-mail transmission to Us or to others from this Site. You should consider whether it is appropriate to use e-mail to send confidential messages or information to Us. You bear all responsibility for Your use of e-mail. We shall not be responsible or liable for any of Your actions or any consequences resulting from Your use of e-mail, including but not limited to misaddressed, loss or undelivered e-mail messages.

Access to Password Protected or Secure Areas

Access to, and use of, password protected or secure areas of this Site are restricted to authorized persons only. Any User who accesses or attempts to access such areas without authorization may be subject to prosecution.

Forward-looking Statements

This Site includes “forward-looking statements” that express expectations of future events and/or results. All statements based on future expectations rather than on historical facts are forward-looking statements that involve a number of risks and uncertainties, and no assurances can be given that such statements will prove to be correct.

Changes to Terms and Conditions

Assurant companies reserve the right to revise these Terms and Conditions at any time and Users are deemed to be apprised of and bound by any changes to these Terms and Conditions each time You visit this Site.

Violations of Terms and Conditions

Assurant companies reserve the right to seek any remedy available at law or in equity for any violation of these Terms and Conditions, including the right to block access from a particular Internet address to this Site.

How we use your personal information

For information about our privacy practices, please see our privacy notice.

Partial Invalidity Terms of Use

In the event that any provision of these Terms and Conditions is declared null and void, it shall be deleted or replaced. In any case, such declaration of invalidity shall not affect the other provisions of these Terms and Conditions.

Laws and Regulations

This Site is directed to residents of the United Kingdom. Access to and use of this Site is subject to [English law], and any question or dispute arising in connection with this access and use shall be subject to the exclusive jurisdiction of [the English courts unless you are resident in Scotland or Northern Ireland, in which case you may choose the Scottish or Northern Irish courts (as applicable).

Contact us

To contact us, you may send an email via the Site by clicking [email protected]. Alternatively you can send a letter to: Emerald Buildings, Westmere Drive, Crewe, Cheshire, CW1 6UN.