Conditions of Use

PLEASE READ THESE CONDITIONS OF USE CAREFULLY.

By accessing this Website you show you have read, understood and agree to the Conditions of Use. If you do not accept these Conditions of Use, please do not use this Website.

About MORE TH>N BUSINESS

MORE TH>N BUSINESS is a trading style of:
Royal & Sun Alliance Insurance plc (No. 93792). Registered in England and Wales. Registered Office at St. Mark’s Court, Chart Way, Horsham, West Sussex, RH12 1XL. Authorised and regulated by the Financial Services Authority (Reg. no. 202323). Registered for Value Added Tax under VAT.No. GB. 165 0008 01.

By accessing this Website, you agree to the conditions and you agree to the use of your personal data in accordance with the terms of the Privacy Policy. Please read the following Conditions carefully.

This is a Royal & Sun Alliance Insurance plc Web Site.

In the Conditions reference to ‘our‘ ‘we’ and ‘us’ means the following companies: Royal & Sun Alliance Insurance plc and the RSA Group of companies

‘you’ and ‘your’ means the person or entity trying to access this Website.

English Law

The Conditions shall be governed by and construed in accordance with English Law. Any disputes arising in relation to the Conditions will be subject to the non-exclusive jurisdiction of the English courts.
If any of the provisions shall be unlawful, void or for any purpose unenforceable, then the particular provision will be deemed severable and will not affect the validity and enforceability of the remaining provisions or Conditions.

Access to the Website

Unless otherwise specified, the information on this Website is directed solely at those who access the Website from the United Kingdom.

Recording of Inbound Calls

For our mutual protection and training purposes, any telephone calls to our service centres will be recorded and may be monitored.

Content and Product Information

The information about the products and services contained in this Website is general in nature and for information purposes only. If you purchase a product or service through this Website, the product or service will be subject to the specific product terms and conditions provided to you as part of the sales process.

Alterations

We reserve the right, at any time without notice, to revise the contents of this Website including the Conditions. Any changes to the Conditions will be posted on this Website. You should check the Conditions every time you visit the Website to ensure you are aware of and complying with any changes that have been made. By continuing to use this Website following any such changes, you will signify that you agree to be bound by the revised conditions.

Legal Exclusions and Limitations

We take care to ensure that the information contained in this Website is accurate and up to date. However, unless we agree otherwise with you in writing, we make no representations or warranties about the accuracy, completeness, reliability or suitability for any purpose of the information and related graphics published in this Website which may contain technical inaccuracies and typographical errors.

We aim to ensure that the Website operates property at all times, but the Website is provided on an “as is” and “as available” basis, and we do not provide any warranties or guarantees that the Website will have any particular levels of availability or functionality.

We are not providing any legal, accounting or other professional advice or opinion on specific facts or matters. Neither we nor any of our directors, employees or agents will be liable for indirect or consequential damages. However, nothing shall exclude or restrict liability for death or personal injury resulting from the negligence of us, our directors, employees or agents or for any other liability which cannot by law or regulation be limited. Also, nothing shall exclude or restrict our obligations under the Financial Services and Markets Act 2000 or any other current or future Financial Services legislation.

Use of Your Information

Where we collect your personal data information through this Website, we will notify you of how we will you use it. The Privacy Policy detailed below gives full details of the way we process any personal data you provide to us.

Intellectual Property Rights

All copyright, trade and service marks, design rights, database rights and other intellectual property rights and goodwill in or relating to the contents of the Website belong either to us or to our third party licensors.

Permission is granted to copy electronically and to print in hard copy portions of this Website solely for the purpose of using this site to seek a quotation or buy products and services. Any other use of materials on this Website (including reproduction for purposes other than those noted above and alteration, modification, distribution or republication) or framing or linking to this Website or any part of without prior written permission is strictly prohibited.

Links

In this Website certain links, including hypertext links, will lead you to websites or pages that are not under our control ("Third Party Sites"). These links are provided for your information and convenience and the inclusion of any link does not imply endorsement by us in any way of the Third Party Site. We are not responsible for the content of any Third Party Sites or for the legal consequences of you entering into any contracts with third parties as a result.

Community Areas

We allow users to access certain areas of the Website in which users can post content and communicate with each other ("Community Areas").

All access to Community Areas is free of charge to users of the Website, but access may be restricted and controlled by us. Access to Community Areas is a privilege, not a right. A failure to be entitled to access or use a Community Area, including where you are barred from a Community Area, will not give rise to any claim for loss or damage against us.

If you access and use a Community Area you agree that it shall be used solely for legitimate purposes in accordance with these Conditions of Use, and in accordance with any other instructions or rules which we may issue from time to time. You must only use the Community Areas to post content and send messages that are proper and appropriate to the Website.

We may, without incurring any liability and at our sole discretion, suspend, withdraw or delete any Community Area, and may revoke the rights of any user to access or use a Community Area.

When you use the Community Areas you will be able to share content and information with other users, and will have access to content and information that other users have decided to share. You may also communicate with other users through the Community Areas. You acknowledge that we are not and cannot be responsible for the behaviour of users of the Community Areas and that we do not create, edit or publish the content posted on or communications made through the Community Areas by users.

We do not actively monitor any of the content on the Community Areas posted by other users, and by using the Community Areas you accept that you will be able to access content posted by other users in an unedited and unrestricted form. Each user is responsible for ensuring the accuracy, truth, originality and rights to use information which they share through the Community Areas. Any information shared through the Community Areas is accessed, read
and used by you at your own risk.

If you encounter any content or behaviour of other users which you think is unacceptable you should report it to us and we will deal with it at our discretion.

We reserve the right to edit, alter, delete, adapt, move, take down or in any other way amend the whole or any part of the Community Areas (including any content posted by users) without incurring liability to you, and we may do so at any time and without notice.

Prohibited Use

You must not do any of the following:

• defame, abuse, harass, stalk, threaten or otherwise violate the legal rights (such as rights of privacy or intellectual property rights where applicable) of others;
• publish, post, distribute or disseminate any material which is obscene, indecent or unlawful;
• conduct or forward surveys, contests, or chain letters;
• upload files that contain software or other material protected by intellectual property laws (or by rights of confidentiality or privacy of publicity, where applicable) unless you own or otherwise have the right to do so;
• upload files that contain viruses, corrupted files, or any other similar software or programs that may damage the operation of another person's computer;
• upload files which contain an active hypertext link to a third party's website;
• delete any required author attributions, legal notices or proprietary designations or labels in any file that is uploaded; and
• falsify the origin or source of software or other material contained in a file that is uploaded.

Conditions of Use of the Business News Comment

These conditions apply to any web user leaving a comment under the Business News section of this website.

MORE TH>N BUSINESS does not vet, and is not responsible for, any information which is posted in the form of Comments. Any content, recommendation or other information referred to as Comments is viewed and used by you at your own risk and MORE TH>N BUSINESS does not warrant, in any respect, the accuracy or reliability of any of the information posted. The views expressed in the Comments are those of the individuals and are not necessarily those of MORE TH>N BUSINESS.

MORE TH>N BUSINESS retains the right to delete, move, edit, update or otherwise alter comments in any way, at our discretion and without notice.

By posting your Comments, you grant us a non-exclusive, perpetual, royalty-free, world-wide licence to use, reproduce, modify, adapt, translate, publish, distribute and display any content you submit to us in any format now known or later developed. If you do not want to grant us these rights, please do not submit your comments or materials to us.

You may use the Comments section only to post content that is proper and appropriate to such areas and you must not do any of the following:

• post unlawful, defamatory, obscene, threatening, offensive, harmful or otherwise objectionable content (this includes text, graphics, video, programs or audio);
• delete any author attributions, legal notices or proprietary designations or labels in any content that is posted;
• falsify the origin or source of content that is posted;
• post content in a language other than English;
• post content that violates the legal rights of others, in particular, material that contains the intellectual property of third parties unless you have obtained all necessary licences and consents to use such content;
• contribute content with the intention of committing or promoting an illegal act;
• use inappropriate (e.g. vulgar or offensive) user names; or
• post content that contains viruses or that may damage MORE TH>N BUSINESS or another user’s computer;

MORE TH>N BUSINESS shall be entitled at any time to delete, remove, or suspend the whole or any part of the Comments or any content posted on them without notice and without incurring any liability. If you find objectionable or offensive material in the Comments please let us know as soon as possible by emailing mtb.comments@icrossing.co.uk.