Terms Of Use Of The ABC Insurance Website

Terms of Use
Terms of use and privacy policy of the ABC Insurance Website ("the Website")
These Terms apply to the use of the Website by you as an authorised Financial Adviser ("You", "Your"). By using the Website You agree that You have read and are bound by these Terms. If You do not agree to be bound by these Terms as set out below, You should not use the Website.
Separate terms and conditions apply to all Liverpool Victoria products and services.

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 Liverpool Victoria Friendly Society Limited ("Us", "Our", "We"). You may download material from the Website for Your own use and to complete online illustrations and applications for Our products only. No right, title or interest in any downloaded material 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, download, frame, publish, display, distribute, commercially exploit or create derivative works of such material except with Our prior written consent.

Our liability to you
While We will use reasonable endeavours to ensure the accuracy of any information published on the Website, We do not make any representations or warranties of any kind with respect to the Website or its contents and We disclaim all representations and warranties, except where fraudulently made.

Reasonable steps have been taken to protect the Website by the use of anti virus software but We make no representation that the Website will meet Your requirements or will be uninterrupted, timely, secure or error-free, that defects will be corrected, or that the Website 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 We will be able to provide a particular product at any particular time or that a product will be available from day to day. We do not accept any liability in the event of withdrawal of any product or for rejection of Your application for a product for any reason whatsoever.

Neither We nor any of Our directors, agents or employees will be liable for damages arising out of or in connection with Your use of the Website. 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. Notwithstanding the above, We do not exclude any liability for death or personal injury resulting from Our negligence or that of Our directors, agents or employees.

These disclaimers do not attempt to disclaim liability for matters which cannot be excluded under any applicable English law. No advice is given by Us as to the suitability of the products available on the Website.

It is for You to determine the suitability of products available on the Website.

The Website contains links to other websites. We do not accept responsibility for the contents of any other websites to which there is a link. Please read the privacy statements and terms of use upon entry to a linked website as a matter of practice.

The information on the Website may not include all Liverpool Victoria products.

Indemnity
You agree to fully indemnify Us immediately on demand from and against all claims, actions, liability, losses, costs and expenses, including legal fees arising from any breach by You of any of these Terms or any other liabilities arising out of Your use of the Website.

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 reserve the right to modify these Terms without reference to You. Any such modification will be published on the Website and You are requested to check these Terms from time to time to ensure that You have seen the latest version of the Terms. Continued use by You after modifications are posted on the Website constitutes Your acceptance of the revised Terms.

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 refusing to process a transaction.
We reserve the right to monitor the information submitted to the Website.

Data protection
You warrant to Us that You will comply with the Data Protection Act 1998 (as amended from time to time).
You warrant to Us that prior to communicating an individual’s personal data to Us You will (a)fully explain to the individual that their personal data may be used as specified below and (b) obtain the appropriate consent from the individual to such use of their personal data.
The name and address of the Data Controller is detailed within the individual product application forms.

How We collect personal data
We collect personal data (e.g. name, address, date of birth, occupation, bank account details) when an application is made to Us for any of Our products and services and which is provided by the applicant or by any third party (e.g. from a credit reference agency for credit rating purposes) from time to time. We will also collect personal data about You when You register to use the services provided on the Website. Depending on the nature of the product or service applied for, the personal data collected may include information defined as 'Sensitive Personal Data' by the Data Protection Act 1998. This would include, for example, information relating to mental or physical health or information relating to any convictions. Such personal data will only be captured and used as required by Us for the effective administration of Your business and will not be used, for example, for marketing purposes.

How We use the personal data We collect The personal data will be included within Our group database systems and maintained within manual files where appropriate. It will be used for a number of purposes which are outlined here, but please note that more detailed information is included within individual application declarations:
• To provide quotations
• To manage the services We provide and to administer and manage Our record(s)
• To improve and develop the products and services We offer
• To respond to any account query raised with Us
• To keep You informed of Our products and those of other carefully selected organisations which We believe will be of interest to You unless You opt out from receiving this information.

Does anyone else share the personal data?Details are provided on the individual application forms and information request forms within the Website.
Security of personal data submitted
• We look after personal data by having in place appropriate levels of security which take into account the nature of the data and the harm that might result from a breach of security. In addition:
• We do not capture personal data that is excessive in relation to the purposes for which it is captured.
• We do not keep personal data for longer than is necessary and We will take reasonable steps to keep it up to date and accurate. Please note that We may retain records for a time after discontinuing Our service to ensure an effective audit trail exists and to comply with legislative requirements.
Rights in relation to personal data We hold are outlined below:
• Right of access to personal data held- please write to CCA Department, County Gates, Bournemouth, BH1 2NF (please note that a fee will be payable as permitted by the Data Protection Act 1998).
• Right by notice in writing requiring Us to cease or not begin processing personal data where processing it is causing or likely to cause unwarranted substantial damage or distress save as provided for by the Data Protection Act 1998.
• Right to require Us not to use personal data for the purposes of direct marketing. Direct marketing means the communication by whatever means of any individually targeted advertising or marketing material. We provide the facility to opt out from receiving direct marketing from Us as part of Our application process. We will however continue to send information as required by legislation/ regulation, for example notice of the AGM, account statements, changes to account terms and conditions or interest rates and account maturity letters.
• Right by notice in writing requiring Us to ensure that no decision taken by Us or on Our behalf which significantly affects the applicant(s)/life assured(s) is based solely on automated processing for the evaluation, for example, of creditworthiness, reliability or conduct.

Cookies
The Website uses cookies. A cookie is a small piece of data that a website stores on Your computer's hard drive following a visit to that website. The cookie contains information about You collected when You visited the Website, for example, which pages You visited and which products and services You expressed an interest in. The next time that You visit the site, it will use the cookie to identify that You have visited before.

We will use cookies to ascertain and remember Your preferences for different types of information following a visit to the Website and to track Your progress through the site. We will then process this information to try and enhance Your experience when using the site. For example, it may enable Us to avoid showing You information or screens which You have already seen or to offer You information which We think You may be interested in, based on Your previous visits to the Website.

If You do not wish Us to place cookies on Your computer's hard drive it is possible to adjust Your browser settings to turn the cookies off. This will affect Your ability to access the Website.

General
The information on the Website applies to residents of the UK only (not including the Channel Islands or the Isle of Man) - please check individual products for further details.
The right of any person to enforce any of these Terms under the Contracts (Rights of Third Parties) Act 1999 is excluded.
We shall not be liable to You where performance of any of Our obligations to You is prevented, frustrated or impeded by any circumstance or cause beyond Our control.
If any part of these Terms is found to be unenforceable as a matter of law, all other parts of these Terms shall be unaffected and shall remain in force.
These Terms shall be governed by and construed in accordance with English law and the English courts shall have non-exclusive jurisdiction over any disputes between us.
Information about Liverpool Victoria Friendly Society Limited
Liverpool Victoria Friendly Society Limited (LVFS) is authorised and regulated by the Financial Services Authority and entered on the Financial Services Authority Register, No. 110035. LVFS is a member of the ABI, AFS and ILAG. Registered address: County Gates, Bournemouth, BH1 2NF. Tel: 01202 292333

Last updated April 2007