Terms & Conditions

    Client Site Terms & Conditions

    IMPORTANT

    BY USING THIS WEB-SITE YOU ACCEPT THE FOLLOWING TERMS.
    IF YOU DO NOT ACCEPT THESE TERMS YOU SHOULD EXIT IMMEDIATELY.

    IN PARTICULAR:

    A. ALL MATTERS RELATING TO THIS WEB-SITE ARE GOVERNED BY THE LAWS OF THE ISLE OF MAN AND YOU SUBMIT TO THE EXCLUSIVE JURISDICTION OF THE COURTS OF THE ISLE OF MAN.

    B. BY USING THIS WEB-SITE YOU GIVE YOUR CONSENT THAT ALL PERSONAL DATA SUBMITTED BY YOU MAY BE PROCESSED BY US FOR THE PURPOSES SET OUT IN OUR DATA PRIVACY POLICY.
    PLEASE Click Here TO REVIEW OUR DATA PRIVACY POLICY.

    THIS AGREEMENT is made on the date, and at the time, that access to the web-site is granted,

    BETWEEN

    (1) Hansard Global plc whose registered office is at Harbour Court, Lord Street, Box 192, Douglas, Isle of Man IM99 1QL ("Hansard" which expression shall include other members of the Hansard Group of Companies).

    (2) the user (called here the 'Client'), including his personal representatives or successors in title (as the case may be).

    NOW IT IS AGREED as follows:

    1. Definitions and Interpretation
    1.1 In this Agreement the following definitions shall have the following meanings:
    1.1.1 "Web-site" means any and all web-sites belonging to Hansard as modified from time to time.
    1.1.2 "Information" means information relating to the provision of financial services by Hansard such as policyholder personal data, personalised financial illustrations and quotations, policyholder unit allocation statements, premium history, overdue premiums, as well as other reports that may be made available to the Client by Hansard from time to time.
    1.1.3 "Hansard Group of Companies" means Hansard Global plc, Hansard Europe Limited and Hansard International Limited.
    1.2 The person accessing the web-site represents that he is a policy holder who has a current insurance policy with a member of the Hansard Group of Companies and/or that he has been authorised to access this web-site by such a policy holder.
    1.3 Words denoting the singular shall include the plural and vice versa and words denoting one gender shall include all other genders.
    1.4 Headings are for ease of reference and shall not effect the interpretation of this Agreement.
    2. Information
    2.1 Hansard will disclose to the Client the Information on the terms and conditions set out in this Agreement.
    2.2 None of the Information or any other data on the web-site constitutes an offer to sell and Hansard will be contractually bound to provide financial or other products or services only when it has communicated its acceptance of a proposal or other offer to the offeror.
    2.3 The Information and descriptions on this site are provided for general information purposes and are subject to terms and conditions applicable to such product or service.
    3. Method of Requesting Information
    3.1 Hansard will only release Information to the Client if the Client requests such Information using one of the following methods:
    3.1.1 by written request;
    3.1.2 by telephone;
    3.1.3 by email;
    3.1.4 via the web-site.
    3.2 The Client will notify Hansard immediately:
    3.2.1 it has authorised a Hansard-approved Broker to act on its behalf; and
    3.2.2 such authority has been withdrawn.
    3.3 Hansard shall be entitled to accept the instructions of such Broker until it has received notification of the Client's withdrawal of authority.
    4. Method of Disclosing Information
    4.1 The Information requested by the Client may be supplied by Hansard either by:
    4.1.1 post;
    4.1.2 telephone (including automatic calling systems);
    4.1.3 by email;
    4.1.4 via the web-site (whether by display or downloading, at the Client's option);
    4.1.5 such other methods as Hansard may advise the Client from time to time.
    5. Security
    5.1 Hansard may establish such security procedures (as it shall decide in its absolute discretion) from time to time with the Client whether the Information is requested by post, telephone, email or via the web-site.
    5.2 The Client hereby undertakes to keep any security details (including, but not limited to, user identification, passwords, Personal Identification Numbers and security tokens) safe and confidential at all times and will advise Hansard immediately if the Client knows, believes or suspects that such security has or may have been breached.
    5.3 Hansard will not be responsible for any Information incorrectly disclosed or any matter acted upon, which is received in writing, by telephone or on the web-site unless the Client has previously advised Hansard in writing of a breach or suspected breach of security.
    5.4 The Client shall be responsible for testing all downloaded data or software for viruses or other disenabling or damaging software and Hansard shall have no liability for loss of or damage to data or other software arising from the downloading of data or software from the web-site.
    5.5 The Client shall be responsible for checking that the name of the certificate in his browser setting is online.hftrust.com before providing any sensitive information to the web-site. If the certificate is not online.hftrust.com the Client shall disconnect and immediately inform the Hansard Administration Department.
    5.6 Hansard reserves the right to make a charge for the issue of original and replacement user identification, passwords, Personal Identification Numbers and security tokens.
    5.7 Use of the Site presupposes knowledge and acceptance of the features and limitations of the Internet in particular in relation to security risks and vulnerabilites, technical performance, response time in order to consult, inquire about or transfer information, risk of interruption and, more generally, risks inherent in any connection and transmission on Internet, the absence of protection of certain data against possible diversion and the risk of contamination by viruses which may be circulating on the network. Hansard shall, accordingly, not be liable in any circumstance, and without such list being exhaustive:
    5.7.1 for the content of the services consulted on the site and, generally, for any information and/or data provided by the services which have been consulted;
    5.7.2 for transmission and/or receipt of any data and/or information on the Internet;
    5.7.3 for any disruption of the Internet network;
    5.7.4 for any failure in receiving equipment or communication lines;
    5.7.5 for loss of any paper and electronic mail and, more generally, for loss of any data;
    5.7.6 for routing difficulties;
    5.7.7 for the failure in operation of any software arising from any virus, security realted vulnerability, data processing bug, anomaly, or technical failures;
    5.7.8 for any damage caused to the Client's computer;
    5.7.9 for any technical, equipment or software failure of any nature, which has obstructed or restricted access to information available on the site or which has damaged the Client's system.
    5.8 Hansard shall not be held liable for any direct or indirect damage resulting from any interruption or malfunctioning whatsoever, from suspension or termination of the service for any reason whatsoever or any direct or indirect damage which may arise in any manner whatsoever from a connection to the web-site. It is the Client's duty to take all appropriate steps so as to protect his own data and/or software held on his data processing equipment against any harm. Connection to the web-site by any person is carried out under that person's entire responsibility.
    5.9 As a general matter, Hansard's liability shall not be incurred in the event of force majeure or a fortuitous event independent of its control.
    6. Right to refuse disclosure of Information
    6.1 Notwithstanding anything else in this Agreement, Hansard reserves the right (in its absolute discretion) to refuse to provide any Information if it has reason to think that:
    6.1.1 it is not the Client requesting the Information;
    6.1.2 the instructions from the Client are unclear;
    6.1.3 such disclosure of Information may cause Hansard to breach any contractual duty, law or other obligation.
    7. Accuracy of Information
    7.1 It is the responsibility of the Client to provide accurate information to Hansard at all times as the Information is in part based upon such information provided by the Client.
    7.2 It is agreed that, save in the case of manifest error, Hansard may, in particular for evidential purposes, in relation to any act, fact or omission, rely on programmes, data, records, recording, operations and other activities (such as follow-up reports and other statements), whether in physical, or the data processing or electronic, format received or retained directly or indirectly by Hansard, in particular in its information systems.
    7.3 The Client undertakes not to challenge the admissibility, validity or evidential weight of the above items, whether physical or in data processing or electronic format, on the basis of any provision whatsoever and which may stipulate that certain documents must be written or signed by the parties in order to constitute proof. Accordingly, the items under consideration constitute proof and if they are produced as such by Hansard in any contentious or other proceeding, they shall be admissible, valid and binding on the parties in the same way, under the same conditions and with the same evidentiary force as any document which may have been drawn up, received or retained in writing.
    8. Web-site
    8.1 Hansard may make available all or part of the Information to the Client on the Hansard web-site, and the Client may use the web-site to supply Information to Hansard, or to request Hansard to make changes to Information or to the Client's policies subject to the policy terms and conditions. No change should be considered effective until Hansard has notified the Client or his Broker of the effective date of the change.
    8.2 The Client will inform Hansard of any errors in the implementation of changes within 30 days of receipt of notification of such change.
    8.3 The Client may print such pages from the web-site which the Client is permitted to access subject to the provisions set out in clause 10.
    8.4 The Client agrees that in accessing Information on the web-site it does so at its own risk and accepts that, notwithstanding any security procedures put in place by Hansard in accessing the web-site, such Information may be at risk of being accessed by other unauthorised persons.
    8.5 The Client acknowledges that Information accessible via the web-site may not be available at all times. 
    8.6 Hansard reserves the right to modify the Hansard web-site from time to time without notice.
    8.7 Hansard reserves the right to withdraw the right to access Information via the web-site at any time without notice and without giving reason.
    8.8 Hansard reserves the right to monitor any and all use of the web-site.
    8.9 It is the responsibility of the Client to ensure that in accessing Information via the web-site it has compatible software with which to do so, including but not limited to any software provided by Hansard, and any costs in relation to making such software compatible is for the sole account of the Client.
    8.10 The Client will always effect access to the web-site via its home page and will not create or attempt to create links from other web-sites to any pages of the web-site other than the home page.
    8.11 The Client will not allow any pages on the web-site to be framed by pages from the Client's or third party web-sites.
    8.12 The web-site may be used to effect communications between the Client, Brokers, and/or third parties, either directly or indirectly by the facilitation of email communication. Hansard shall be under no obligation to monitor the communications of any entity and shall generally be under no liability arising out of the communications of parties other than Hansard.
    9. Third Party Information
    9.1 Hansard does not warrant or represent that any Information contained in a third party web-site that may be linked to the web-site via a hyperlink or any other link, is accurate, correct, complete or reliable.
    9.2 The Client acknowledges that in using any third party web-site it does so entirely at its own risk and that Hansard shall be under no liability whatsoever arising from such use.
    10. Intellectual Property Rights
    10.1 Except as stated below, all copyright and other intellectual property rights that may exist in or over the Information, the method of disclosure (including the use of software in downloading such Information via the web-site) and the presentation of it (including trade marks, logos, etc) are the exclusive property of Hansard.
    10.2 The Client shall not copy, reproduce, republish all or any of the Information received from Hansard by whatever method without Hansard's express prior written approval.
    10.3 Notwithstanding any other provision in this clause 10, Hansard grants the Client a licence to download Information from the web-site provided that such Information shall be used only for the Client's Hansard-related activities.
    10.4 The Client shall obtain any licences required in respect of any intellectual property rights existing in third party web-sites linked via hyperlink to the web-site directly from the relevant third party and Hansard shall not be responsible or liable in respect of the same merely because the Client has accessed that third party web-site via the web-site.
    11. Warranty and Liability
    11.1 Hansard warrants to the Client that in providing the Information it shall use reasonable care and skill.
    11.2 Other than the warranty in clause 11.1, Hansard shall not be liable to the Client by reason of any representation (unless fraudulent), or any implied warranty, condition or other term, or any duty at common law, or under the express terms of this Agreement, for any loss of profit, loss of data, or loss of anticipated savings, nor for any indirect, special or consequential loss, damage, costs, expenses or other claims (whether caused by the negligence of Hansard, its employees or agents or otherwise) which arise out of or in connection with the provision of the Information or its use by the Client.
    11.3 Without limitation to clause 11.2 above Hansard shall not be liable to the Client or be deemed to be in breach of this Agreement by reason of any delay, interference or inability to supply the Information.
    12. Indemnity
    12.1 The Client shall indemnify and keep Hansard indemnified against any claims, liability, loss or damage incurred by Hansard arising from any breach by the Client of its obligations or warranties to Hansard under this Agreement.
    13. Change in Terms and Conditions
    13.1 Hansard reserves the right to modify these terms and conditions from time to time by publication on the web-site, and the Client shall be deemed to have accepted such changes if he proceeds to use the web-site after such changes have been posted on the web-site.
    14. Change in Contact Details
    14.1 The Client shall immediately advise Hansard in writing of any change in his name, address, telephone number, email address or any other relevant details.
    14.2 In the event that the Client fails to advise Hansard of the change of contact details referred to in clause 14.1, Hansard shall not be held liable for any disclosure by it of Information using previous contact details.
    15. Termination and Consequences
    15.1 Hansard reserves the right at any time to terminate this Agreement immediately by giving written notice to the Client.
    15.2 In the event that Hansard terminates this Agreement all and any licences or rights granted hereunder to the Client shall be immediately revoked. The Client shall return to Hansard or destroy (at Hansard?s option) any security tokens or other property belonging to Hansard and shall not attempt to gain access to the web-site after termination of this Agreement.
    16. Notices
    16.1 Any notice required or permitted to be given under this Agreement may be given by hand or sent (by first class recorded delivery pre-paid post) or by facsimile or electronic transmission to the other party at its registered office or principal place of business or to such other address as may be notified by the party concerned in writing from time to time.
    16.2 Any notice shall be deemed to have been given in the case of :
    16.2.1 delivery by hand, at the time of delivery;
    16.2.2 delivery by post , within 48 hours of posting if posted to an address in Europe or within 96 hours if posted to an address outside Europe;.
    16.2.3 facsimile transmission, on the date of transmission;
    16.2.4 electronic communication, immediately, at the time when the electronic communication enters the recipients information system.
    16.3 An affidavit of service (in the case of personal delivery and electronic communications), proof that the envelope containing the notice was properly addressed (in the case of posting), or the relevant answerback (in the case of facsimile) shall be sufficient evidence that such notice has been duly given.
    17. General
    17.1 This Agreement contains the entire Agreement between the parties with respect to its subject matter and supersedes all previous agreements and understanding between the parties in relation thereto.
    17.2 This Agreement is supplemental to the terms and conditions of the policy between Hansard and the Client, and in the case of conflict the terms and conditions of the policy shall prevail.
    17.3 Each party acknowledges that in entering into this Agreement it does not do so on the basis of or rely on any representation, warranty or other provision except as expressly provided in this Agreement and, accordingly, all conditions, warranties or other terms implied by statute or common law are expressly excluded to the fullest extent permitted by law.
    17.4 If any provision of this Agreement is held by any court or other competent authority to be void or unenforceable in whole or part, the other provisions of this Agreement and the remainder of the affected provisions shall continue to be valid.
    17.5 The Client may not assign, subcontract or hold on trust all or any of its rights or obligations hereunder. Hansard may assign any of its rights or obligations hereunder.
    17.6 If the Client comprises more than one individual, its liability shall be joint and several.
    17.7 No failure or delay by Hansard in exercising any of its rights under this Agreement shall be deemed to be a waiver of that right and no waiver by Hansard of any breach of the Agreement by the Client shall be considered as a waiver of any subsequent breach of the same or any other provision.
    18. Law and Jurisdiction
    18.1 This Agreement shall be governed by and construed in accordance with the laws of the Isle of Man and, for the benefit of Hansard, the Client submits to the exclusive jurisdiction of the courts of the Isle of Man.
    Last Modified : October 2006

    By entering this site, the Client attests that they have read, agreed, accepted and understood these terms and conditions.