Terms and conditions

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

This web site is solely owned and operated by INTOUCH Insurance Group B.V., whose registered office is at Claude Debussylaan 24, (1082MD) Amsterdam, the Netherlands (Registered under the laws of the Netherlands) (“INTOUCH”).

For the purposes of these Terms and Conditions, "this web site" and the "INTOUCH web sites" means all web sites owned and/or operated by INTOUCH.

Other INTOUCH web sites may contain Terms and Conditions which are different from these Terms and Conditions. When navigating the INTOUCH web sites please check the Terms and Conditions of each web site you visit and do not assume that these Terms and Conditions apply to all INTOUCH web sites.

Disclaimer

INTOUCH is providing this web site and the materials on it, on an "as is" basis and makes no representations or warranties of any kind, expressed or implied, with respect to this site or its contents and disclaims all such representations and warranties. In addition, INTOUCH 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 INTOUCH howsoever arising (whether in contract, tort or negligence) for any such inaccuracies or errors is expressly excluded to the fullest extent permitted by law.

Access to the web site

We will use reasonable efforts to make our web site and its content available to users, however we do not warrant or represent that access to this site will be uninterrupted, reliable or fault free.

We reserve the right in our sole discretion to deny users access to our web 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.

Limitation of Liability

To the fullest extent permitted by law neither INTOUCH nor any of its directors, employees or agents will be liable for damages arising out of or in connection with the use of this web site, the information in it or the unavailability of the web 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 INTOUCH, its directors, employees or agents.

Alterations

INTOUCH reserves the right at any time without notice to revise the contents of this web site including these Conditions. Any changes to these Conditions will be posted on this web 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 web site will lead you to web sites or pages that are not under the control of INTOUCH. Links are provided for convenience and inclusion of any link does not imply endorsements in any way of the web site to which it links.

Other links in this web site will lead you to web sites or pages that are under the control of INTOUCH 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 Netherlands and by our 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 overseas group company.

Copyright

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

Trade Marks

All trade marks, services marks, trade names, product names, company names, title, logos, and icons are the proprietary to INTOUCH or by other companies within the INTOUCH group. Nothing contained on this web site should be construed as granting, by implication, estoppel, or otherwise, any license or right to use any trade mark displayed on this web site without the written permission of INTOUCH.

Privacy Policy

You agree to the use of any personal data we may hold on you in accordance with the terms of our Privacy Policy.

Ownership of Information

Any information, other than personal data or information, you transmit to INTOUCH via this web site, by electronic mail or otherwise, including data, questions, comments, or suggestions will be treated as non-confidential and non-proprietary and will become the property of INTOUCH. Such information, other than personal data or information may be used for any purpose, including (without limitation) reproduction, solicitations, disclosure, transmission, publication, broadcast, and posting. INTOUCH is free to use any ideas, concepts, know-how, or techniques contained in any communication you send to INTOUCH via this web site or by any other means for any purpose whatsoever, including (without limitation) developing and marketing products using such information.

Jurisdictional Issues

Unless otherwise expressly set forth herein, INTOUCH makes no representation that materials on this web site are appropriate or available for use in any location. Those who choose to access this web site do so on their own initiative and are responsible for compliance with local laws. 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.

Except as expressly set forth herein the information contained on this web site is not an offer to sell or a solicitation to buy any security, insurance product or other product or service by INTOUCH. No security, insurance product or other product or service is offered or will be sold by INTOUCH or, if sold by INTOUCH, will be effective in any jurisdiction in which such offer or solicitation, purchase or sale would be unlawful under the securities, insurance or other laws of such jurisdiction. Some products and services may not be available in all jurisdictions.

Force Majeure

We shall not be liable to users for any breach of these conditions of use or any failure to provide or delay in providing our services through our web site resulting from any event or circumstance beyond our 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 Dutch Law and any disputes shall fall within the exclusive jurisdiction of the Dutch Courts.

Last update: 7 April 2008