Life Trust Online Terms and Conditions
Please read the terms and conditions contained on this page ("Terms and Conditions") carefully. These terms and conditions set out very important information about your rights and obligations as well as limitations and exclusions that may apply to you.
The Agreement
These Terms and Conditions apply to your use of this Website ("this Website") owned and operated by Life Trust Insurance plc ("Life Trust"). By accessing this Website you accept and agree to be bound by these Terms and Conditions.
These Terms and Conditions are subject to change without notice from time to time in our sole discretion. We will notify you of amendments to these Terms and Conditions by posting them on this Website, but it remains your responsibility to check for any amendments to these Terms and Conditions.
The Services
The services and functions on this Website, including the informational materials relating to Life Trust and its products and services, longevity calculator, various interactive elements and press/news releases, are made available to you by Life Trust for your personal and lawful use (the "Services"). We reserve the right at any time to amend, terminate, suspend or withdraw any or all of the services or functions made available to you on this Website, or may amend the terms and conditions of access to and use of such services and functions at any time without notice.
Life Trust makes no warranty that this Website or any of the Services provided will be available or accessible at all times and Life Trust shall not be held liable or responsible to any person in any way in the event of any interruptions, system malfunctions or delays which may affect your access to or use of this Website or any of the Services.
Acceptable Use Policy
In accessing and using the content of this Website, you agree to abide by all applicable laws, regulations and codes of conduct and you will not engage in any activities relating to this Website that are contrary to such laws, regulations and codes.
You are responsible for making all arrangements necessary for you to have access to our Website. You are also responsible for ensuring that all persons who access our Website through your internet connection are aware of these terms, and that they comply with them.
You may not do any of the following without an express licence or prior written permission from Life Trust:
- reproduce or modify any of the materials contained in this Website or provided to you by Life Trust;
- publish or commercially exploit, including any sale, modification, distribution or use of any material made available to you on this Website;
- redistribute any of the content contained in this Website (including using it as part of any library, archive or similar service);
- remove the copyright or trade mark notice(s) from any of the content of this Website (or any copies thereof); and,
- allow data or content from this Website to be made available to others or downloaded onto any electronic storage media or distribute or transfer data from this Website in any form (printed, electronically relayed, posted to public list services or bulletin boards, or magnetically stored) to, or for the benefit, of others.
You must not misuse this Website by knowingly introducing viruses, trojans, worms, logic bombs or any other material which are 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 agree that you will not attack this Website via a denial-of-service attack or a distributed denial-of service attack or use any robot, spider, other automatic device or manual process to monitor or copy pages, data or the content contained in this Website or for any other unauthorised purpose.
We retain the absolute right to prevent you from accessing this Website, without prejudice to any of our accrued rights, where we in our sole discretion consider it right to do so or that you are contravening our Acceptable Use Policy or any other provisions of these Terms and Conditions.
Disclaimer and Reliance on Information
All information, commentary and other materials provided on this Website are for informational purposes only and are believed to be reliable but are not intended to amount to advice on which reliance should be placed.
Life Trust disclaims all liability and responsibility arising from any reliance placed on such information by any person and further, disclaims all guarantees, conditions or warranties as to completeness, timeliness, adequacy or accuracy of such information. Your access, use, and reliance upon such information are entirely at your own risk.
The accuracy of the longevity calculator (provided for your use on this Website) and its application to your specific situation or requirements is not in any way guaranteed. You may use the longevity calculator to make hypothetical calculations for your own personal and lawful use and you agree that any analysis, calculations or opinions made available to you on this Website are based solely on information that you provide to Life Trust, and Life Trust shall not be responsible for any risks, costs, damages or losses arising therefrom.
Please seek the advice of independent financial advisers or such other qualified professionals as necessary regarding the evaluation of any content on this Website and/or all personal financial issues.
The materials on this Website are also not intended as an offer or solicitation for the purchase of any stock, shares, any other security or any financial instrument or to provide any investment service or investment advice in any jurisdiction. Life Trust aims to update this Website regularly, and may change the content at any time. If the need arises, we may suspend or terminate access to this Website, or close it indefinitely. In the event that any of the material on this Website becomes out of date at any given time, we are under no obligation to update such material.
Intellectual Property Rights
Life Trust is the owner or the licensee of all works of authorship and all intellectual property rights in them, including without limitation copyright, design, text, sound recordings, images, trade marks, logos, confidential information and database rights in this Website and all content and other material published on it. All Life Trust's rights in the materials contained on this Website are expressly reserved.
Except as otherwise expressly stated in these Terms and Conditions, the materials in this Website (or any part of them) may not be copied, transmitted, displayed, performed, distributed (for compensation or otherwise), licensed, altered, framed, stored for subsequent use, or otherwise used in whole or in part in any manner without Life Trust's prior written consent or licence. Further, you must not use any of the materials on this Website (or any part of them) for commercial purposes without obtaining a licence to do so from Life Trust (or our licensors).
All information submitted to Life Trust via this site shall be deemed and remain the property of Life Trust and Life Trust shall be free to use, for any purpose, any ideas, concepts, know-how or techniques contained in information any user provides to Life Trust through this site. Nothing contained in these Terms and Conditions shall be construed as limiting or reducing Life Trust's responsibilities and obligations to customers in accordance with our Privacy Policy.
You may download information contained on this Website and print out a copy for your personal use, so long as you do not remove any copyright or other notice as may be contained in such information, as downloaded. If you print off, copy, download, publish or redistribute any part of this Website in breach of these Terms and Conditions, your right to use this Website will cease immediately and you must, at our option, return or destroy any such copies of the materials you have made.
Limitation of Liability
This Website, including all information and materials contained on this Website, are provided "as is" and "as available".
To the furthest extent permitted by law, Life Trust shall not be liable in any way to any person or entity for any claim, liability, cost, expense, loss or damage including but not limited to any consequential, special, indirect or punitive damages, liability for this Website not being available for use, loss of profits, loss of business, lost or corrupted data or software, or the provision of services and support to any person or entity howsoever caused (whether in contract, tort, negligence, strict liability or otherwise) even if advised of the possibility of such claim, liability, cost, expense, loss or damage.
This does not affect Life Trust's liability for death or personal injury arising from our negligence, nor our liability for fraudulent misrepresentation or misrepresentation as to a fundamental matter, nor any other liability which cannot be excluded or limited under applicable law. Notwithstanding anything in these Terms and Conditions to the contrary, the remedies hereunder shall apply even if such remedies fail their essential purpose.
Indemnity
You agree to indemnify and hold Life Trust and any of our officers, employees and agents harmless from and against all and any expenses, losses, liabilities, damages, costs or expenses incurred or suffered and any claims or legal proceedings which are brought or threatened, in each case arising from your use or conduct on this Website and/or a breach of the Acceptable Use policy and/or any of these Terms and Conditions.
Processing Your Data
We process information about you in accordance with our Privacy Policy. By using our Website, you consent to such processing and you warrant that all data provided by you is accurate.
Links
This Website may contain links to websites controlled or offered by third parties. Life Trust shall not be liable or responsible for any information, materials, products or services posted or offered on any such third party websites, or any link contained on a third party website or any changes or updates to such websites. By providing or creating a link to any third party website, Life Trust does not in any way endorse or recommend any products or services offered or any content or information contained on such third party website.
E-Commerce Activity
Where any service and/or information is provided by way of an electronic medium such as through this Website or e-mail ("e-commerce activity"), the following details are hereby disclosed to the recipients of such e-commerce activity provided by Life Trust: The e-commerce activity is provided by Life Trust Insurance plc, 25-28 North Wall Quay, Dublin 1, Ireland.
Enforceability
If any provision of these Terms and Conditions is held by any court or other competent authority to be void or unenforceable in whole or part, these Terms and Conditions shall continue to be valid as to the other provisions thereof and the remainder of the affected provision.
Applicable Law
This Website, all content contained herein and your use of them shall be governed by English law.
Life Trust Insurance plc is regulated by the Irish Financial Services Regulatory Authority (IFSRA) and is regulated by the UK Financial Services Authority (FSA) for the conduct of UK business.