Terms and Conditions

Terms and Conditions2018-08-13T01:02:38+00:00

These Terms & Conditions should be read in conjunction with our Privacy Policy.

Last Updated 18th July 2018

The terms and conditions here govern the use of our website. Please read carefully and make sure you understand, are over 18 and a UK resident before using this site.

Introduction

Welcome to the Heritage Life Ltd website (Site) www.heritageinsurances.co.uk.

Heritage Life Ltd provides this site; www.heritageinsurance.co.uk as a service to its customers, to provide you with an overview of business specific insurance products and/or services from our range of product providers. Please review the following basic rules that govern your use of our Site (Agreement). Please note that your use of our Site constitutes your agreement to follow and be bound by these terms. If you do not agree to these terms, please do not use this Site. Although you may bookmark a particular portion of this Site and thereby bypass this Agreement, your use of this Site still binds you to the terms. Heritage Life Ltd may revise this Agreement at any time. You may wish to visit this page periodically for revised terms of use.

Contents of the website

Unless otherwise noted, all materials, including images, illustrations, designs, photographs, streaming and video content and written and other materials that are part of this Site (Contents) are copyrights, trademarks, trade dress and/or other intellectual property owned, controlled or licensed by Heritage Life Ltd. This Site and all its Contents are intended solely for personal, non-commercial use.

You may download or copy the Contents and other downloadable materials displayed on the Site for personal use only. No right, title or interest in any downloaded/copied materials or software is transferred to you as a result of any such activity. You may not reproduce (except as noted above), publish, transmit, distribute, display, modify, create derived works from, sell or participate in any sale of or exploit in any way, in whole or in part, any of the Contents, the Site or any related software.

Financial Information Disclaimer

The website provides a comparison service and information in relation to protection products, providers and services. The website does not provide financial advice, tax or legal advice. Nor does it recommend particular products or services. Whilst we provide a brief description of the product available on the site only speaking directly to an adviser can provide you with how a tailored product can be suitable to you and your business. You should take professional financial advice in connection with, or independently research and verify, any information that you find on our website and wish to rely upon.

While we aim to keep the information on the website accurate, complete, and up-to-date, we cannot guarantee, and will not be responsible for any damage or loss related to the accuracy, completeness or timeliness of the information.

We will not be liable in respect of any losses you may suffer arising out of such information or any reliance you may place upon such information. Nor will we be liable in respect of any losses you may suffer as a result of relying upon information posted on the website by a website member or experts.

Links

This site links to third party websites. You acknowledge and agree that Heritage Life Ltd shall not be responsible or liable, directly or indirectly, for any damage or loss caused or alleged to be caused by or in connection with the use of or reliance on any information, goods or services available on or through any third-party sites. If you decide to access any of the third-party sites linked to this Site, you do this entirely at your own risk.

Privacy policy

Heritage Life Ltd’s privacy policy sets out how we use and protect any information that you give us when you use this website. We are committed to ensuring that your privacy is protected, you can find our privacy policy here →

Data Storage

It is the responsibility of you, the user, to provide Heritage Life Ltd with accurate, complete and current data in order to engage with the services offered by this Site. Heritage Life Ltd accepts no responsibility for any loss or damage caused by your failure to provide accurate and up-to-date information when requested. When you provide us with such data, you are recognising that you are a person authorised to do so. If enquiring on behalf of another individual, you are acknowledging that you have first obtained the consent of the subject to share their information.

Links

This site links to third party websites. You acknowledge and agree that Heritage Life Ltd shall not be responsible or liable, directly or indirectly, for any damage or loss caused or alleged to be caused by or in connection with the use of or reliance on any information, goods or services available on or through any third-party sites. If you decide to access any of the third-party sites linked to this Site, you do this entirely at your own risk.

User comments policy and other submissions

All comments, suggestions, ideas, and other submissions disclosed, submitted or offered to Heritage Life Ltd on or via this Site or otherwise disclosed, submitted or offered in connection with your use of this Site (Comments) are the property of Heritage Life Ltd.

Communication, submission or offering of any Comments shall constitute an assignment to Heritage Life Ltd of all worldwide rights, titles and interests in all copyrights and other intellectual properties in the Comments. Thus Heritage Life Ltd will own exclusively all such rights, titles and interests and shall not be limited in any way in its use, commercial or otherwise, of any Comments.

Heritage Life Ltd is and shall be under no obligation (1) to maintain any Comments in confidence; (2) to pay to user any compensation for any Comments; or (3) to respond to any user Comments. You agree that no Comments submitted by you to the Site will violate any right of any third party, including copyright, trademark, privacy or other personal or proprietary right(s).

You further agree that no Comments submitted by you to the Site will be or contain libellous or otherwise unlawful, abusive or obscene material. You are and shall remain solely responsible for the content of any Comments you make.

Indemnification

You agree to defend, indemnify and hold Heritage Life Ltd harmless from and against any and all claims, damages, costs and expenses, including legal fees, arising from or related to your use of the Site.

Monitoring policy

You acknowledge that Heritage Life Ltd reserves the right to, and may from time to time, monitor any and all activity or information transmitted through this Site. Use of this Site, authorised or unauthorised, constitutes consent to such monitoring.

Cookies

Cookies are small text files placed on your computer by websites or sometimes emails. They provide useful information to companies, which help in all sorts of ways.

Heritage Life Ltd only uses cookies to measure non-personal information, for example, to learn about the behaviour of visitors to our websites and how they respond to our marketing activity. The more we learn, the better we are at providing relevant and interesting content and services.

To read more about how we use cookies please read our terms and conditions

Miscellaneous

Unless otherwise specified, this Site www.heritageinsurances.co.uk and the Contents thereof are displayed solely for the purpose of promoting Heritage Insurance Services. This Site is controlled and operated by Heritage Life Ltd in the United Kingdom, which is governed by the laws of England and Wales.

Disclaimer

Heritage Life Ltd provides the materials on this site “as is” without warranties of any kind, either express or implied, including without limitation, warranties of title, implied warranties of merchantability, fitness for a particular purpose or non-infringement of intellectual property. Heritage Ltd disclaims any duty to update or revise the materials on this site, although Heritage Ltd may modify the materials at any time without notice.

By your use of this site, you acknowledge that your use is at your sole risk and that you assume full responsibility for all costs associated with all necessary servicing or repairs of any equipment you use in connection with your use of this site. You further acknowledge that Heritage Life Ltd shall not be liable for any damages or any kind related to your use of this site.