By accessing the Service, the Subscriber
is taken to have read and accepted the Terms and Conditions contained
herein.
These Terms apply to your use of our website. If you are not over
18 or not living in the United Kingdom you will not be able to use
this website and you should not attempt to make an application,
although subject to your acceptance of these Terms you should feel
free to browse. If you do not agree to be bound by the Terms set
out below you should not use this website
Definitions
The following words have the following meanings:
"Terms" means these terms and conditions;
"Product Provider" means any insurance
company, bank, building society or any other financial institution;
"Us/Our" means GMPB Ltd t/as Family Protection
Direct - FAMILY PROTECTION DIRECT IS A TRADING STYLE OF GMPB LTD
"You" means the user of the website.
Copyright Trademark and site content
You acknowledge and accept that all copyright, trademarks and all
other intellectual property rights in all material or content provided
as part of the website belong to us, or a Product Provider. You
may download material from this site for your own use only. No right,
title or interest in any downloaded materials is transferred to
you by such downloading.
Any other use of the material and content of the website is strictly
prohibited and you agree not to copy, reproduce, transmit, publish,
display, distribute, commercially exploit or create derivative works
of such material except for the purpose of applying for shares or
with our written consent.
Our Liability to you
We take care to ensure that the information contained in this web
site is accurate and up-to-date. However, we make no representations
or warranties about the accuracy, completeness, reliability or suitability
for any purpose of the information and related graphics published
in this site, which may contain technical inaccuracies and typographical
errors. The information provided to you in connection with the products
is provided by the Product Providers and you acknowledge that we
have no liability to you with respect to the accuracy of such information.
As we rely on information given to us by third parties there may
be a time delay in keeping that information up to date. You should
therefore check the accuracy of the information.
The website may only list the Product Providers with whom we have
arrangements and may not cover all Product Providers in the market.
These disclaimers do not attempt to disclaim liability for matters,
which cannot be excluded under any applicable English law.
We make no warranty that the website will meet your requirements
or will be uninterrupted, timely, secure or error-free, that defects
will be corrected, or that the site or the server that makes it
available are free of viruses or bugs or represents the full functionality,
accuracy or reliability of the materials. We will not be liable
to you for any loss of content or material uploaded or transmitted
through the website.
We cannot guarantee that a Product Provider will be able to provide
an insurance policy at any particular time. We do not accept any
liability in the event of withdrawal of any offering of an insurance
policy or for rejection of your application by the Product Provider
for any reason whatsoever.
We are not providing any legal, accounting or other professional
advice or opinion on specific facts or matters. Also, neither we,
nor any of our directors, employees or agents will be liable for
damages arising out of or in connection with the use of this site
or the information in it. This is a comprehensive limitation of
liability that applies to all damages of any kind, including, without
limitation, compensatory, direct, indirect or consequential damages,
loss of data, income or profit, loss or damage to property and claims
of third parties. We do not exclude any liability for death or personal
injury resulting from our negligence or that of our directors, agents
or employees.
This website is designed to provide you with general information
only and does not attempt to give you advice on any particular insurance
policy.
Indemnity
In using this website, we require that you abide by these Terms.
If you fail to abide by them, and this failure causes us to suffer
a claim, action, liability, or loss because of your failure to abide
by these Terms, you agree to indemnify us, on demand, for all costs
and expenses, including legal fees that arise out of your failure
to abide by these Terms.
Our Rights
We reserve the right at any time to modify or withdraw, temporarily
or permanently, the website or any part of it without notice to
you and we will not be liable to you in any way for any modification
or withdrawal of the website. We also reserve the right to modify
these Terms without reference to you.
We reserve the right at any time to refuse to process a transaction
for any reason. We will not be liable to you or any third party
by reason of our failing to process a transaction.
By making an application for insurance you expressly authorise
us to transmit information or to obtain information about you from
third parties from time to time, including but not limited to your
credit reports, in order to authenticate your identity.
Third Party Links
In the event that there are third party links to other websites
for your convenience, you acknowledge and agree that we are not
responsible for the availability or functionality of such external
sites. We do not endorse the content of any external sites and are
not responsible or liable, directly or indirectly, for any loss
however caused to you by your use of any external site.
English Law
These Conditions of Use will be governed by and construed in accordance
with English law. Any disputes arising in relation to these Conditions
of Use will be subject to the exclusive jurisdiction of the English
courts. If any provisions of these Terms are found to be unenforceable
as a matter of law, then the particular provision will be deemed
severable and will not affect the validity and enforceability of
the remaining provisions or Conditions of Use.
Content and Product Information
The descriptions of all the products and services contained in this
web site are for information purposes only. The information and
descriptions provided are not intended to be complete descriptions
of all the terms, conditions and exclusions applicable. The precise
coverage afforded by any insurance policy or other product issued
by us is subject to the terms, conditions and exclusions of the
policies as issued. Any other products and services provided are
subject to their specific terms and conditions as set out throughout
the site.
Copyright
All design, text, graphics and their selection or arrangements are
the copyright of third parties or us. Permission
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