Terms and conditions

Towergate Health & Protection* believes in protecting the personal information that you provide us with.
* Towergate Health & Protection is a trading name of Health and Protection Solutions Limited, which is a subsidiary of The Ardonagh Group.

Please read carefully

Your use of this website is subject to these terms and conditions of use (“Terms of Use”), our Cookie policy and our Fair Processing Notice. Please read these terms carefully – they apply to your use of this website. By proceeding to our website you are deemed to have accepted these terms.
Please note this website is intended for use by residents of the United Kingdom only. The site is not applicable to residents of other countries because the law in other countries may restrict the distribution of the information and products available on this website.
For the avoidance of doubt, none of the information on this website constitutes an offer to contract in any country in which it is available including the UK.

Alterations

  • Towergate Health & Protection reserves the right, at any time and without prior notice, to remove or cease to supply any product or service contained on this website. In the event that such removal takes place we shall not be liable to you in any way whatsoever for such removal
  • Towergate Health & Protection reserves the right to change the content, presentation, user facilities and availability of any part of the website at its sole discretion

Applications for products and services

Prices, and details, of products and services (and any offers) posted online are subject to change without notice. All products and services are subject to availability and we give no guarantee in this regard. The provision of details of products and services on this website are not, and should not be construed as, an offer to sell or buy such products or services by the relevant company. The company advertising the products or services concerned may accept or reject your offer at its sole discretion

Availability

  • Towergate Health & Protection will endeavour to ensure that this website is accessible for 24 hours a day. However, Towergate Health & Protection will not be liable if, for any reason, the website is unavailable at any time or for any period
  • You are responsible for making all arrangements necessary for you to have access to this website. You are also responsible for ensuring that all persons who access this website through your internet connection are aware of these Terms & Conditions, and that they comply with them
  • Towergate Health & Protection will not be liable for loss or damage arising if this website becomes unavailable or is suspended for any reason
  • If you choose, or you are provided with, a user identification code, password or any other piece of information as part of our security procedures, you must treat such information as confidential, and you must not disclose it to any third party. We have the right to disable any use identification code or password, whether chosen by you or allocated by us, at any time, if in our opinion you have failed to comply with any of the provisions of those Terms & Conditions

Copyright and intellectual property

  • Towergate Health & Protection 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 & Conditions, 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

Changes to terms and records of agreements

Towergate Health & Protection may amend these Terms & Conditions at any time by amending this page and such amendment shall apply to your use of this website after such amendment

Data protection and privacy statement

  • All personal information you supply to Towergate Health & Protection will be treated in accordance with current data protection legislation and the Privacy and Electronic Communications (EC Directive Regulations 2003)
  • When you supply personal data via this website, you will be told what that data will be used for at that point. Through your use of the website, you agree that personal information that is provided will be dealt with according to our Fair Processing Notice

Monitoring

Towergate Health & Protection will monitor your use of this website and any resultant information may be used by Towergate Health & Protection for its internal business purposes or in accordance with the rules of any applicable regulatory or self-regulatory organisation

Our liability

  • 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. We, other members of our group of companies 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
  • The publication of the information provided on this website by Towergate Health & Protection does not constitute a recommendation that you enter into any particular transaction nor a representation that any product and/or service detailed on this website is suitable or appropriate for you
  • 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 decisions which are made by you or on your behalf

Governing law

Towergate Health & Protection has 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

Information

  • Information contained on this website is provided for information purposes only and Towergate Health & Protection will use all reasonable endeavours to ensure that it is accurate at the date of publication
  • However, because of the nature of the Internet, there may be circumstances in which errors or omissions in the information may occur which are beyond the reasonable control of Towergate Health & Protection. For example, unauthorised access by a third party
  • Consequently, Towergate Health & Protection will not be liable for loss or damages arising from the use of or reliance upon any information contained on this website, unless the accuracy of the information has been checked with and confirmed in writing by an authorised representative of Towergate Health & Protection before reliance is placed upon it

Linking to our site

  • You may link to our home page, provided you do so in a way that is fair and legal and does not damage our reputation or take advantage of it, but you must not establish a link in such a way as to suggest any form of association, approval or endorsement on our part where none exists
  • You must not establish a link from any website that is not owned by you. We reserve the right to withdraw linking permission without notice
  • Our site must not be framed on any other site without our express prior written permission
  • If you wish to make any use of material on our site other than that set out here, please contact Compliance_health@towergate.co.uk

Links to third party websites

Links to third party websites are provided solely for your convenience and such links do not constitute an endorsement, authorisation, or affiliation by Towergate Health & Protection with respect to such third party website. When you activate these links, you will leave this website. We do not endorse or take responsibility for the content on third party websites or the availability of those websites and we are not liable for any loss or damage that you may suffer by using those websites. If you decide to access linked websites you do so entirely at your own risk

Ownership of website

This site is provided and owned by:
Towergate Health & Protection
West Park House
23 Cumberland Place
Southampton
SO15 2BB
Towergate Health & Protection is a trading name of Health and Protection Solutions Limited, which is authorised and regulated by the Financial Conduct Authority (FCA). This can be checked on the FCA’s website http://www.fca.org.uk/register or by calling them on 0800 111 6768 (freephone).

Some of the information available on this website may have been provided by other companies within the Ardonagh Group, which are responsible for that information

These Terms & Conditions apply to your use of every part of this website. Separate terms and conditions will apply to any websites accessible via a hypertext link from this website

Product terms and conditions

If you apply for any product or service detailed on this website, these Terms & Conditions should be read in conjunction with any other terms and conditions which relate to any such product or service and, in the event of any contradiction between these Terms & Conditions and the specific terms and conditions relating to such product or service, the latter shall prevail. For the purposes of these Terms & Conditions, product(s) and service(s) shall include, without limitation, any insurance or financial service

Viruses, hacking and other offences

  • You must not misuse this website by knowingly introducing viruses, trojans, worms, logic bombs or other material which is malicious or technologically harmful. You must not attempt to gain unauthorised access to this website, the server on which this website is stored or any server, computer or database connected to this website. You must not attack this website via a denial-of-service attack or a distributed denial-of service attack
  • By breaching this provision, you would commit a criminal offence under the Computer Misuse Act 1990 and the Police and Justice Act 2006. We will report any such breach to the relevant law enforcement authorities and we will co-operate with those authorities by disclosing your identity to them. In the event of such a breach, your right to use this website will cease immediately
  • We will not be liable for any loss or damage caused by a distributed denial-of-service attack, viruses or other technologically harmful material that may infect your computer equipment, computer programs, data or other proprietary material due to your use of this website or to your downloading of any material posted on it, or on any website linked to it
  • Towergate Health & Protection cannot warrant that this website is free of viruses or technical defects of any description and will not be responsible for any technical problems arising from the use of this website

Acceptable use standards

  • You may use our site only for lawful purposes. You may not use our site:
    • to transmit, or procure the sending of, any unsolicited or unauthorised advertising or promotional material or any other form of similar solicitation (“spam”);
    • to transmit, or procure the sending of any material which is:- defamatory of any person; obscene, offensive or inflammatory; sexually explicit; promotes discrimination based
    • on race, sex, religion, disability, or age; infringes any copyright, database right or trade mark of any other person; is likely to deceive any person; is in breach of any legal duty owed to a third party (e.g. duty of confidence); is threatening or abusive; is likely to harass, upset or embarrass any other person; misrepresents your identity; advocates or promotes any unlawful act
  • We will determine, in our discretion, whether there has been a breach of these Acceptable Use Standards through the use of our site. If a breach of this policy has occurred, we may take such action as we deem appropriate. Failure to comply with these Acceptable Use Standards constitutes a material breach of the Terms & Conditions and may result if our taking all or any of the following actions:
    • immediate, temporary or permanent withdrawal of your right to use our site;
    • immediate, temporary or permanent removal of any posting or material uploaded by you to our site;
    • a warning being issued to you;

Security

Towergate Health & Protection will take all reasonable steps, including encryption, to ensure that any personal information you provide is kept secure. However, because of the nature of the Internet, and the fact that it is not a secure system, Towergate cannot and do not guarantee that personal information you provide will not be intercepted by others and decrypted. Consequently, your privacy cannot be guaranteed

Trademarks

The images, logos and names on this website which identify Towergate Health & Protection, an Ardonagh Group company or third parties and their products and services are proprietary marks of Towergate Health & Protection and/or the relevant third parties. Nothing contained in this website shall be deemed to confer on any person any licence or right on the part of Towergate Health & Protection or any third party with respect to any such image, logo or name