Please read these Conditions of Use carefully. By accessing this web site you agree to be bound by these Conditions of Use. If you do not agree do not access this site.

CONTENT

This web site is offered to you by Tower Insurance Company Limited (Registered in Isle of Man No. 521) of Jubilee Buildings 1 Victoria Street Douglas Isle of Man ("Tower"). Tower is providing this site on an "as is" basis and makes no representations or warranties of any kind with respect to this site or its contents and disclaims all such representations and warranties. In addition, Tower makes no representations or warranties about the accuracy, completeness, or suitability for any purpose of the information and related graphics published in this site. The information contained in this site may contain technical inaccuracies or typographical errors. All liability of Tower howsoever arising (whether in contract, tort or negligence) for any such inaccuracies or errors is expressly excluded to the fullest extent permitted by law.

Nothing on this site should be construed as a solicitation or offer. The information, services, systems, features, functions and data offered in this web site constitute information only and should under no circumstances be construed interpreted or relied upon as legal, accounting, tax, financial or investment advice or advice on specific facts or matters. Tower accepts no liability for the use or misuse of the information provided.

This web site is operated and maintained in the Isle of Man and is therefore published from an Isle of Man perspective. Tower is not publishing the web site for use in any jurisdiction where such publication or use is unlawful.

ACCESS TO THE SITE

Tower will use reasonable efforts to make its site and its content available to users, however Tower does not warrant or represent that access to this site will be uninterrupted, reliable or fault free.

Tower reserves the right in its sole discretion to deny users access to its site or any part of it without notice and to decline to provide the service to any user that is in breach of these conditions.

NO DAMAGE ARISING FROM USE

To the fullest extent permitted by law neither Tower nor any of its directors, employees or agents will be liable for damages arising out of or in connection the use of this site, the information in it or the unavailability of the site or its content. This is a comprehensive limitation of liability that applies to all damages of any kind, including (without limitation) compensatory, direct, indirect or consequential damages, loss of data, income or profit, loss of or damage to property and third party claims, save that nothing shall exclude or restrict liability for death or personal injury resulting from the negligence of Tower, its directors, employees or agents.

USE OF WEBSITE

This web site provides the following facilities:-

  • General information on Tower and its products and services
  • The ability to submit a request for a quote on-line

When accessing and making any use of this web site you must not:-

  • Exploit by way of distribution, reproduction and/or transmission any information or any other such material contained in this site for commercial purposes resulting in commercial gain without our prior written consent;
  • publish or distribute material that is defamatory, unlawful, objectionable, obscene, harmful, threatening or in breach of confidence or privacy;
  • post or transmit any information or software that may contain a virus, worm, trojan horse or any other such similar harmful content;
  • alter, tamper or interfere with the functioning of this web site or use by others of this web site.

ALTERATIONS

Tower reserves the right at any time without notice to revise the contents of this site including these Conditions. Any changes to these Conditions will be posted on this site and by continuing to use this site following any such change you will signify that you agree to be bound by the revised Conditions.

LINKS TO OTHER SITES

Certain links, including hypertext links, in this site will lead you to web sites or pages that are not under the control of Tower. Links are provided for convenience and inclusion of any link does not imply endorsements in any way of the site to which it links.

As Tower is a member of the RSA group of companies other links in this site will lead you to web sites or pages that are under the control of RSA group companies around the world. You should be aware that these web sites are maintained and operated locally and the contents and use of such web sites may be governed by the laws and regulation of countries other than the Isle of Man and by those regional group companies' conditions of use and/or privacy policy. If you wish to know more about the conditions of use or privacy policies of these web sites please contact the relevant group company.

COPYRIGHT

All rights in the design, text, graphics and other materials on the site and the selection or arrangement thereof are the copyright of Tower or other third parties. Permission is granted to copy electronically and print in hard copy portions of this site solely for your own personal use. Any other use of materials on this site (including reproduction for purposes other than those noted above and alteration, modification, distribution, or republication) without the prior written permission of Tower is strictly prohibited.

TRADE MARKS

Tower or other companies within the RSA group are the owners of the Tower and RSA, rsagroup and rsagroup.com trade marks, logos and get-up. All other trade marks, product names and company names or logos cited herein belong to Tower and/or other companies within the RSA group or their respective owners. No permission is given by Tower or any other RSA group company in respect of the use of any such trade marks, get-up, product names, company names, logos or titles and such use may constitute an infringement of the holder's rights.

PRIVACY POLICY

You agree to the use of any personal data Tower may hold on you in accordance with the terms of its Privacy Policy. A copy of the Privacy Policy is accessible at any time by clicking on the Privacy Policy button on the left hand side of the page.

FORCE MAJEURE

Tower shall not be liable to users for any breach of these conditions of use or any failure to provide or delay in providing its services through the site resulting from any event or circumstance beyond its reasonable control including, without limitation, strikes, lock outs and other industrial disputes, breakdown of systems or network access, fire explosion or accident.

APPLICABLE LAW

These conditions shall be governed and construed in accordance with Manx Law and any disputes shall fall within the exclusive jurisdiction of the Isle of Man Courts. If any provision of these disclaimers and exclusions shall be unlawful, void or for any reason unenforceable then that provision shall be deemed severable and shall not affect the validity and enforceability of the remaining provisions.

These conditions shall be governed and construed in accordance with Manx Law and any disputes shall fall within the exclusive jurisdiction of the Isle of Man Courts. If any provision of these disclaimers and exclusions shall be unlawful, void or for any reason unenforceable then that provision shall be deemed severable and shall not affect the validity and enforceability of the remaining provisions.