Legal

1. IMPORTANT - LEGAL INFORMATION

1.1 This is the part of our website where you can find legal information you need to know about the Policyholder Advocate and the services that we provide. This legal information applies to all the contents of the website: policyholderadvocate.org (the "Website"). Please read these terms carefully before using the website. If you do not accept these terms, please do not use the website. When this legal information refers to "we" or "us", it means the Policyholder Advocate, and her employees and contractors.

This website is intended to provide general information only about the role of the Policyholder Advocate, and not to make any kind of financial promotion.

2. INTRODUCTION

2.1 You may access the Website without registering your details with us. By accessing any part of the Website, you shall be deemed to have accepted this legal information in full. We may change this legal information at any time by updating this part of the website. You should check the Website from time to time to review the then current legal information, because it is binding on you.

3. LICENCE

3.1 You are permitted to print and download extracts from the Website for your own use, but only on the basis that: (a) no documents or graphics on the Website are modified in any way; (b) no graphics on the Website are used separately from the corresponding text; and (c) the Policyholder Advocate's copyright and trade mark notices and this legal information appear in all copies.

3.2 Unless otherwise stated, the Policyholder Advocate owns all intellectual property rights in the material on the Website (including photographs and graphics). For the purposes of this legal information, any use of extracts from the Website for any purpose is prohibited, except as allowed in clause 3.1. If you breach any of the terms in this legal information, your permission to use the Website automatically terminates and you must immediately destroy any downloaded or printed extracts from the Website.

3.3 Except as allowed in clause 3.1, you cannot reproduce or store any part of this Website in any other website or include it in any electronic retrieval system or service without the Policyholder Advocate's prior written permission.

4. ACCESS TO THE WEBSITE

4.1 While we will try to ensure that the Website is always available, we will not be liable if for any reason the Website is unavailable at any time or for any period. Access to the Website may have to be suspended temporarily and without notice because of system failure, maintenance or repair or for other reasons beyond our control.

5. VISITOR MATERIAL AND CONDUCT

5.1 You may not misuse the Website (including, without limitation, by hacking).

5.2 We will fully co-operate with any law enforcement authorities or court order requesting or directing us to disclose the identity or locate anyone posting any material in breach of clause 5.1.

6. LINKS TO AND FROM OTHER WEBSITES

6.1 Links to third party websites on the Website are provided solely for your convenience. If you use these links, you leave the Website. If you decide to access any of the third party websites linked to the Website, you do so entirely at your own risk.

6.2 You may not create links to the Website without the permission of the Policyholder Advocate.

7. INFORMATION ON THE WEBSITE

7.1 While we will try to ensure that the information on the Website is correct, we cannot warrant the accuracy and completeness of the material on the Website. We may make changes to the material on the Website at any time without notice. The material on the Website may be out of date, and we make no commitment to update it.

7.2 To the maximum extent permitted by law, we provide you with access to the Website on the basis that we exclude all representations, warranties, conditions and other terms which, but for this legal notice, might have effect in relation to the Website.

8. LIABILITY

8.1 We exclude all liability and responsibility for any amount or kind of loss or damage that you or a third party may suffer in connection with the Website in any way or in connection with the use, inability to use or the results of use of the Website, any websites linked to the Website or the material on such websites. This exclusion includes, but is not limited to, loss or damage due to viruses that may infect your computer equipment, software, data or other property as a result of your access to the Website or your downloading of any material from the Website (or any websites linked to the Website).

8.2 Nothing in this legal information shall exclude or limit the Policyholder Advocate's liability for: (a) death or personal injury caused by negligence; (b) fraud; (c) misrepresentation as to a fundamental matter; or (d) any liability which cannot be excluded or limited under applicable law.

8.3 If your use of material on the Website results in the need for servicing, repair or correction of equipment, software or data, you assume all related costs.

9. GOVERNING LAW AND JURISDICTION

9.1 This legal information shall be governed by and construed in accordance with English law. Disputes arising in connection with this legal information shall be subject to the exclusive jurisdiction of the English courts.

10. OUR PRIVACY POLICY

10.1 Information that you provide to us will be held by the Policyholder Advocate for the purposes of performing her role. In relation to this information, the Policyholder Advocate acts as a data controller. The Policyholder Advocate may pass on your information to her employees and to contractors who she employs in connection with her role (such as response handlers). If she does so, she will make sure that they protect your personal data in accordance with English law.

10.2 We don't sell or reveal your details to any companies for their marketing purposes. We'll keep a record of your e-mail address and any messages you send us and may contact you unless you ask us not to. We will not send any confidential information by email.

10.3 We may record telephone conversations to offer additional security, resolve complaints and improve our standards. All our employees are personally responsible for maintaining customer confidentiality.

10.4 If you have any comments or questions about any aspect of our privacy policy, please write to: Office of the Policyholder Advocate, PO Box 60216, London. EC3P 3AE.

10.5 The Office of the Policyholder Advocate is registered for data protection purposes with the Information Commissioner's Office, Registration Number Z9634364

11 The contents of this website are © The Office of the Policyholder Advocate 2006. All rights reserved. You may not reproduce in any form, all, or any part of the contents of this website other than extracts which you may print or download to a local hard disk for your personal use only. You may not recopy any of the materials you have printed or downloaded nor give it nor copy it to anyone else