Terms and conditions

1.1 These terms and conditions of use govern your use of this website. We strongly advise you to read them as they form a contract between you and JLT|Online for utilisation of the website.

1.2 If you do not agree with these terms and conditions of use please do not use this website. By accessing the website you are deemed to have accepted these terms and conditions in full. We reserve the right to update these Terms and Conditions without notice and we recommend you visit this section regularly as continued use of this site after a change will constitute acceptance of the new terms.

1.3 The company is registered in England at Companies House registration number 338645 a division of Thistle Insurance Services Ltd, which is a wholly owned subsidiary of Jardine Lloyd Thompson Group Plc.

1.4 Your attention is also drawn to the Contact Us page and our Privacy Policy both of which contain important information that you are advised to read.

2.1 JLT|Online will use its reasonable endeavours to maintain this website in an acceptable working condition. However, as we cannot guarantee that this will always be the case we cannot accept responsibility for any interruptions or failures in the operation of this website or for any defects that may exist, or for any costs, loss of profits, loss of data, or consequential losses arising from your use of, or inability to access or use the website. In addition JLT|Online does not warrant that the information accessible via this web site is accurate complete or current.

2.2 Access to the website may be suspended temporarily or permanently without notice. If you encounter any problems with the service please contact us

3.1 Whilst JLT|Online has taken all reasonable steps to ensure that the information contained within the pages of this site is accurate, current and complies with the relevant legislation and regulations as at the date of issue, no warranty is given and no representation is made regarding the accuracy of or completeness of the content of the site. Consequently, JLT|Online accepts no liability for any losses or damages (whether direct, indirect, special, consequential or otherwise) arising out of errors or omissions contained in this website. Further, no warranty is given that this site shall be available on an uninterrupted basis and no liability can be accepted in respect of losses or damages arising out of such unavailability. In addition, no liability can be accepted in respect of losses or damages arising out of changes made to the content of this site by unauthorised third parties.

3.2 You acknowledge that you are solely responsible for the use to which you put this site and all the results and information you obtain from it and that all warranties, conditions, undertakings, representations and terms whether expressed or implied, statutory or otherwise are hereby excluded to the fullest extent permitted by law.

3.3 Nothing in these terms and conditions shall exclude, limit or restrict JLT|Online or JLT|Online's duties and liabilities to you under the Financial Services and Markets Act 2000 and any subsequent amending or replacement legislation which regulates the carrying out of investment or financial business in the United Kingdom, or any conduct of business rules which we are bound to comply with. Further, nothing in these terms and conditions shall attempt to exclude liability for death or personal injury or for fraudulent misrepresentation.

3.4 JLT|Online accepts no responsibility for the content or privacy practices of any site to which a hypertext link from this site exists. The links are provided "as is" with no warranty, express or implied for the information provided within them.

3.5 The materials on this site do not constitute financial or other professional advice. Contact your Independent Financial Adviser for financial advice.

4.1 Unless otherwise stated the copyright in all website design, text, graphics, the selection and arrangement thereof, and all software compilations, underlying source code, software (including applets) and all other material on this website belong to JLT|Online or their content and technology providers and any other rights in all material on this site are owned by JLT|Online.

4.2 Use of documents and related graphics on this site is for information and/or personal use only any copies of these pages saved to disk or to any other medium may only be used for subsequent viewing purposes or to print extracts for personal use.

4.3 No document or related graphics are to be modified in any way.

4.4 Graphics on this site are not to be used separately from the accompanying text.

4.5 The JLT|Online copyright notice (i.e. © JLT|Online) must appear in all copies.

4.6 No part of this site may be reproduced or stored in any other website or included in any public or private electronic retrieval system or service without JLT|Online's prior written permission.

4.7 Any rights not expressly granted in these terms are reserved.

4.8 Intellectual property rights in all software and documentation supplied by us for your use in connection with the website remain our property or that of our licensors.

The court may strike out or override any part of these Terms and Conditions of Use, which it considers unfair, unreasonable, invalid or unlawful (whether an entire clause or only part of one) and in such cases we shall enforce these Terms and Conditions of Use as if the offending part had never been contained in it. The paragraph headings are for information only, and do not form part of these Terms and Conditions of Use.

Unless otherwise agreed these Terms and Conditions of Use shall be governed by and construed in accordance with English law and the parties agree to submit to the exclusive jurisdiction of the English Courts.