Please Read These Terms Carefully Before Using This Site

Financial Insurance Group Services Limited provides this website (the "Site"), subject to the following Terms of Use. This Site provides you with certain services, including but not limited to, access to information about the products and services offered by Financial Insurance Group Services Limited, Financial Insurance Company Limited and Financial Assurance Company Limited (each part of AXA) (collectively the “Companies”), and may provide you with information regarding other financial and consumer services and products offered by them and their affiliates ("Affiliates") (collectively “AXA”) and other third party providers ("Providers"). Use of this Site and the services are subject to these Terms of Use and all applicable laws. Certain areas within this Site may be subject to additional or different terms and conditions of use, which are posted in those areas. Not all of the services and materials described on this Site are available for use in all of the countries in which the Companies conduct business. Unless stated otherwise, these Terms of Use also will cover any new services and materials added to this Site.

Please read these Terms of Use carefully before using this Site. By using this Site you acknowledge your agreement to these Terms of Use without limitation or qualification. These Terms of Use may be updated from time to time without notice. You will be bound by any such revisions and should therefore review this page regularly.

Limited License

Subject to the terms and conditions set forth in these Terms of Use, AXA grants you a non-exclusive, non-transferable, limited right to access, use and display this Site and the materials thereon. You agree not to interrupt or attempt to interrupt the operation of the Site in any way.

AXA authorises you to view and download the information ("Materials") at this Site only for your individual use. This authorisation is not a transfer of title in the Materials and copies of the Materials are subject to the following restrictions:

  • you must retain, on all copies of the Materials downloaded, all copyright and other proprietary notices contained in the Materials;
  • you may not modify the Materials in any way or reproduce or publicly display, perform, or distribute or otherwise use them for any public or commercial purpose;
  • you must not transfer the Materials to any other person unless you give them notice of, and they agree to accept, the obligations arising under these terms and conditions of use;
  • you must not use graphics on this Site separately from accompanying text; and
  • you must acknowledge in all copies of the Materials the source of those Materials with appropriate wording.

You agree to abide by all additional restrictions displayed on the Site as it may be updated from time to time. AXA owns the copyright and any other rights in all Materials on this Site other than Parliamentary materials and other materials as indicated and this Site, including all Materials, is copyrighted and protected by worldwide copyright laws and treaty provisions. You agree to comply with all copyright laws worldwide in your use of this Site and to prevent any unauthorised copying of the Materials. Except as expressly provided herein, AXA does not grant any express or implied right to you under any patents, trademarks, copyrights or trade secret information. 

Disclaimer

You expressly understand and agree that: (1) your use of this Site and the services and Materials provided on the Site are at your sole risk; and (2) the Materials may contain inaccuracies and typographical errors. AXA, it’s Affiliates and the Providers do not warrant the accuracy or completeness of the Materials or the reliability of any advice, opinion, statement or other information displayed or distributed through the Site. You acknowledge that any reliance on the Materials or any opinion, advice, statement, memorandum or information shall be at your sole risk.

AXA, its Affiliates and the Providers (as to their Materials only) reserve the right, in their sole discretion, to correct any errors or omissions in any portion of the Site. We use reasonable efforts to provide you with accurate information. We reserve the right, however, to make corrections and/or changes should this information prove to be inaccurate. AXA, its Affiliates and the Providers (as to their Materials only) may make any other changes to the Site, the Materials and the products, programs, services or prices (if any) described in the Site at any time without notice.

This Site, the services, information and Materials on the Site, as well as any software made available on the Site, are provided “as is” without any representation or warranty, express or implied, of any kind, including, but not limited to, warranties of merchantability, non-infringement, or fitness for any particular purpose to the fullest extent permissible pursuant to applicable law. Some jurisdictions do not permit the exclusion of implied warranties. Therefore, some of the exclusions above may not apply to you.

Limitation of Liability

You understand and agree that, to the fullest extent permissible pursuant to applicable law, AXA, its Affiliates and the Providers will not be liable for any direct, indirect, incidental, special, consequential or exemplary damages, including, but not limited to, damages, costs or loss of products, use, data or other intangible losses, even if we have been advised of the possibilities of those damages, resulting from (1) your use of or inability to use the Site, the services, or Materials; (2) obtaining substitute products and/or services; (3) the use of any data, information, products or services obtained from transactions entered into through this Site; (4) any statement or conduct of any third party; or (5) any other matter related to the Site, the services or the Materials. Some jurisdictions do not permit the exclusion of certain warranties or the limitation or exclusion of liability for incidental or consequential damages, or the exclusion or liability for death or personal injury. Therefore, some of the limitations above may not apply to you.

Third Party Sites

As a convenience to you, AXA may provide, on this Site, links to websites operated by other entities. If you use these sites, you will leave this Site. If you decide to visit any linked website, you do so at your own risk, subject to that website's terms and conditions of use and privacy policy that may be different from those of this Site. AXA make no warranty or representation regarding, and do not endorse, any linked websites or the information appearing thereon or any of the products or services described thereon. Links do not imply that AXA or its Affiliates sponsors, endorses, is affiliated or associated with, or accessible through the links, or that any linked website is authorised to use any trademark, trade name, logo or copyright symbol of AXA or any of its affiliates or subsidiaries.

Viruses

There is always the possibility of unknowingly acquiring computer viruses on the internet and thus we want to warn you about infections or viral contamination on your system. It is your responsibility to scan any and all downloaded materials received from the internet. AXA and its Affiliates are not responsible or liable for any damage caused by viruses or related hazards, whether or not that virus or hazard resulted from a visit to this Site. You, and not AXA or its Affiliates, assume the entire cost of all necessary servicing, repair, or correction related to computer viruses.

Information provided by you

In order to use certain services on this Site, you may have to register. You agree to provide true, accurate and current information about yourself as prompted by the registration and application forms on this Site. If any information you provide is untrue, inaccurate, incomplete or not current, or if AXA or any Affiliate has reasonable grounds to suspect that such information is untrue, inaccurate, incomplete or not current, AXA, in its sole discretion, has the right to suspend or terminate your access to the Site. Further, you agree that AXA will not be liable to you or any third party if AXA terminates your access to the Site, and the services or Materials thereon, for any reason.

Except for the information you submit during the registration process or during the use of any other service offered through this Site (the "Permitted Information"), AXA and its Affiliates do not want you to, and you should not, send any confidential or proprietary information to AXA or its Affiliates via the Site. In accepting these Terms of Use and the Privacy Policy you agree that any information or materials that you or individuals acting on your behalf provide to AXA or its Affiliates other than the Permitted Information will not be considered confidential or proprietary. By providing any such information or materials to AXA or its Affiliates, you grant to AXA and its Affiliates an unrestricted, irrevocable, worldwide, royalty-free license to use, reproduce, display, publicly perform, transmit, distribute and sub-license to others such information and materials, and you further agree that AXA and its Affiliates are free to use, and allow others to use, any ideas, concepts or know-how that you or individuals acting on your behalf provide to AXA or its Affiliates. You further recognise that AXA and its Affiliates do not want you to, and you warrant that you shall not, provide any information or materials to AXA or its Affiliates that is defamatory, threatening, obscene, harassing, or otherwise unlawful, or that incorporates the proprietary material of another.

AXA and its Affiliates will use the Permitted Information in accordance with the Privacy Policy posted on this Site.

No Professional Advice

The information available on the Site is intended to be a general information resource regarding the matters covered, but is not offered as legal, accounting, tax or other financial advice, and is not tailored to a customer's specific circumstances. All information, opinions and advice available on this Site should be evaluated in consultation with a legal, accounting, tax, investment or other financial specialist.

No Offer

The information on this Site is not an offer by or on behalf of AXA or its Affiliates to sell or solicit an offer to buy any security or insurance product.

Notices

Notices from AXA and its Affiliates to registered users regarding their use of the Site, the services and Materials will be made by e-mail. In all cases notices regarding a change in the Privacy Policy or these Terms of Use will be posted on the Site.

International Users and Choice of Law

Unless expressly stated, AXA makes no representation that this Site or the Materials contained herein are appropriate or available to use in any location. You are responsible for compliance with all international and local laws, which may be applicable when you access this Site.

Governing Law

These Terms of Use and any non-contractual matters arising in relation to them shall be governed by the laws of England and Wales, and you agree to submit to the exclusive jurisdiction of the courts of England and Wales.

General Terms

AXA and its Affiliates may terminate, change, suspend or discontinue any aspect of the Site, including the availability of any features of the Site, at any time without notice. AXA and its Affiliates may also impose limits on certain features and services or restrict your access to all or parts of the Site without notice or liability. AXA and its Affiliates may terminate the authorisation, rights and license given above.

These Terms of Use constitute the entire agreement between AXA, its Affiliates and you in connection with your use of this Site, the services and the Materials. Any cause of action you may have with respect to your use of this Site, the services or the Materials must be commenced within one year after the claim or cause of action arises. If for any reason an arbitrator or a court of competent jurisdiction finds any provision of these Terms of Use or portion thereof, to be unenforceable, that provision shall be enforced to the maximum extent permissible so as to effect the intent of these Terms of Use, and the remainder of the Terms of Use shall continue in full force and effect. In the event of termination, the disclaimers and limitations of liabilities set forth in these Terms of Use will survive.

These Terms of Use will be deemed to include all other notices, policies, disclaimers and other terms contained in this Site and in other contracts that you may have executed with AXA and its Affiliates.