Please read these terms and conditions carefully. By accessing this website you agree to be bound by these terms and conditions. If you object to any of the terms and conditions set out in this agreement you should not use any of the products or services on the web site and leave immediately. This website site is solely owned and operated by Residents Insurance Services Ltd, whose registered office is Botanic House, Hills Road, Cambridge, CB2 1PH. (Registered in England with company number 3952276).

You agree that you shall not use the web site for illegal purposes, and will respect all applicable laws and regulations. You agree not to use the web site in a way that may impair the performance, corrupt the content or otherwise reduce the overall functionality of the web site. You also agree not to compromise the security of the web site or attempt to gain access to secured areas or sensitive information.

You agree to be fully responsible for any claim, expense, liability, losses, costs including legal fees incurred by us arising from any infringement of the terms and conditions set out in this agreement.

Alterations
Residents Insurance Services Limited reserve the right to change any part of this agreement without notice and your use of the web site will be deemed as acceptance of this agreement. We advise users to regularly check the Terms and Conditions of this agreement.

Residents Insurance Services Limited have complete discretion to modify or remove any part of this site without warning or liability arising from such action.

Limitation of Liability
Residents Insurance Services Limited will under no circumstance be liable for indirect, special, or consequential damages including any loss of business, revenue, profits, or data in relation to your use of the web site. Nothing within this Agreement will operate to exclude any liability for death or personal injury arising as result of the negligence of Residents Insurance Services Limited or its employees or agents.

Copyright and Intellectual Property
Residents Insurance Services Limited or the other providers of information on this website own the copyright and all other intellectual property rights subsisting in the database accessible via the website and all material on this website, including all the trademarks visible on the website.

You are not permitted to download, redistribute or extract any information on this website in whole or in part other than for your personal, non-commercial use, unless otherwise stated. Our status (and that of any identified contributors) as the authors of material on this website must always be acknowledged.

Except as set out above, you may not reproduce, modify or in any way commercially exploit any of the information on this website.

If you print off, copy or download any part of this website in breach of these Terms of Use, your right to use this website will cease immediately and you must, at our option, return or destroy any copies of the materials you have made.

Disclaimers
Although we will use reasonable endeavours to ensure the material on the website is accurate, the material displayed on this website is provided without any guarantees, conditions or warranties as to its accuracy. Residents Insurance Services Limited and third parties connected to us hereby expressly exclude any liability for any direct, indirect loss or damage incurred by any user in connection with this website or in connection with the use, inability to use, or results of the use of this website, any websites linked to it and any materials posted on it, including, without limitation any liability for loss of income or revenue, loss of business, loss of profits or contracts, loss of anticipated savings, loss of data, loss of goodwill, wasted management or office time and for any other loss or damage of any kind, however arising.

This does not affect our liability for death or personal injury arising from our negligence, nor our liability for fraudulent misrepresentation or misrepresentation as to a fundamental matter.

Certain products and/or services detailed on this website may involve significant risks, and unless you have fully understood all such risks and independently determined that such transactions are appropriate for you, you should not enter into any transactions.

You should not construe any of the information which is contained on this website as business, financial, investment, regulatory, tax, or accounting advice and this website should not be the prime basis for any investment decisions which are made by you or on your behalf.

Third Parties
The web site may contain hyperlinks to web sites operated by other parties. We do not control such web sites and we take no responsibility for, and will not incur any liability in respect of, their content. Our inclusion of hyperlinks to such web sites does not imply any endorsement of views, statements or information contained in such web sites.

Governing Law
Residents Insurance Services Limited have established this website in England. English Law shall govern its use at all times and, in the event of a dispute, relevant parties shall irrevocably submit to the exclusive jurisdiction of the English Courts.

Privacy Policy
You agree to the use of any personal data we may hold on you in accordance with the terms of our Privacy Policy.

Trademarks
The trademarks and logos (the Trademarks) used and displayed on this site are registered and unregistered trademarks of Residents Insurance Services Limited. They may not be used in any advertising or other publicity materials in relation to the distribution of any information or materials obtained from this Site without the prior written consent of the Trademark owner. (These prohibitions are without limitation to the legal rights of Residents Insurance Services Limited)