You may have an account and password associated with your access to this Website. You are responsible for maintaining the confidentiality of your password and account information and are fully responsible for all conduct carried out under this password and account. CD is not liable for any loss of confidentiality or for any damages arising from your failure to comply with these security measures. CD requests that you promptly report to it any unauthorised use of your password or account.
All care is taken to ensure that this Website is free from viruses. CD cannot guarantee that any file or program available for download and/or execution from or via this Website is free from viruses or other conditions which could damage or interfere with data, hardware or software with which it might be used. It is your responsibility to scan any such data for viruses. You assume all risk of use of all programs and files on this Website, and you release CD entirely of all responsibility for any consequences of its use.
This Website may contain links to third party sites. CD is not responsible for the condition or content of those sites as they are not under our control. You access those sites and/or use the other site’s products and services solely at your own risk. The links are provided solely for your convenience and do not indicate, expressly or impliedly, an endorsement by CD of the other sites or the products or services provided on the site. CD does not permit any linkages to this Website without prior permission.
The information contained on this Website is for general information purposes only. You must not rely on any statement contained in this web site without taking specialist advice. While we endeavour to ensure the accuracy and completeness of the information contained on this Website, we make no warranties and accept no responsibility for any loss or damage you may suffer as a result or your reliance on any part of it.
In particular, we make no representations or warranties and exclude all liability:
- in relation to any of the material of this web site (including any as to the quality, accuracy, completeness or fitness for any particular purpose of such material);
- in relation to any material of any other web site referred to or accessed by a hyperlink through this web site ('Third Party Web Site'). We do not endorse or approve the material of any Third Party Web Site, nor will we have any liability in connection with any of Third Party Web Site howsoever arising; or
- that this web site or any of its material is virus free. You should take your own precautions in this respect and we accept no responsibility for any harmful code that may be introduced into your system by using this web site.
THIRD PARTY SITES
If you wish to establish a link to this Website you must first obtain our prior written approval. Please use the Contact Us link at the top of the page and provide the following information:
- the URL of the web site that you seek to establish a link from
- a brief description of your web site
- the reason that you wish to establish a link.
If we agree to your proposed link, you must comply with any terms and conditions we may impose as a condition of such agreement. If the nature and/or content of your website changes in any significant way, you must us by email and provide a new description of your website and seek permission prior to changing your website.
All applications for insurance or other products made via this web site are to and must comply with our approval criteria. These applications are governed by the normal terms and conditions applying to each product or service requested.
The insurance estimate service is offered by CD solely to assist you to purchase or decide to purchase insurance from us. You are not authorised to use high-volume, automated or systematic processes to obtain premium estimates. You agree not to compile, repackage or disseminate for commercial purposes any information provided by use of the insurance estimate service without our prior written consent. We reserve the right to terminate your access to these services in our sole discretion, including for submitting excessive requests for these services.
This Website may contain or make available various tools, calculation devices, software programs or other features which assist you in calculating the optimal insurance premium or level of excess for you or applicable insurance cover. This Website may also contain helpful hints or other information.
We have undertaken reasonable steps to ensure that any such features or information is accurate and free from defect, to the extent permitted by law, which law cannot be excluded, we do not warrant the accuracy, adequacy, correctness or completeness of these features or calculators. These features are provided on an "as is" or estimated basis. The monetary figures used by these features in any calculations are estimates only and do not take account of your particular circumstances.
You will indemnify us if we suffer any loss or damage or incur any costs in connection with your breach of these Terms or any other legal obligation by you or your use of or conduct on the Website.
SPAM & VIRUSES
Publication of electronic addresses on the Website is for the purpose of professional communication only and must not be used to infer consent to the receipt of unsolicited commercial electronic messages or viruses. The sending of unsolicited commercial electronic messages to CD or the infection of a virus in CD’s systems by accessing this Website is regarded by us as abuse of email facilities and interferes with the rights of CD to carry out its activities free from harassment. CD reserves its right to take any appropriate action it deems necessary (which may involve legal action or provision of information to law enforcement agencies).
OWNERSHIP OF SUBMISSIONS
SOCIAL NETWORKING SITES
INTELLECTUAL PROPERTY RIGHTS
Any material you upload to our Website will be considered non-confidential and non-proprietary, and we have the right to use, copy, distribute and disclose to third parties any material in the Submissions for any purpose. We also have the right to disclose your identity to any third party who is claiming that any material posted or uploaded by you to our Website or any third party social networking site constitutes a violation of their intellectual property rights, or of their right to privacy. We will not be responsible, or liable to any third party, for the content or accuracy of any materials posted by you or any other user of our Website. We have the right to remove any Submissions you make on our Website if, in our opinion, such Submission does not comply with the content standards set out below.
BLOGGING AND COMMENTING
Blogs and Comments (whether in the form of Submissions or otherwise) are welcomed and encouraged on this Website. These Comments do not reflect the views of CD, our board of directors, management or members.
All content provided on any blog on this Website is for informational purposes only. Neither the CD or its Associates make representations as to the accuracy or completeness of any information on this Website or found by following any link on this Website. CD will not be liable for any errors or omissions in this information nor for the availability or content of this information. CD will not be liable for any losses, injuries, or damages from the display or use of this information by a user of this website. These terms and conditions of use are subject to change at any time and without notice.
There are some instances where comments will be edited or deleted as follows:
- Comments deemed to be spam or questionable spam will be deleted (including a link to relevant content is permitted, but comments should be relevant to the post topic)
- Comments including profanity will be deleted
- Comments containing language or concepts that could be deemed offensive will be deleted
- Comments that attack a person individually will be deleted.
CD reserves the right to edit or delete any comments submitted to this blog without notice.
This comment policy is subject to change at any time without prior warning.
Website Terms & Conditions dated as at 20th September 2014