Disclaimer Please read the following section carefully as it contains the conditions of use governing your use of the Asta Insurance Group of Companies website pages at www.asta-uk.com (the "Site"). Additional terms and conditions may apply to the matters discussed on this Site. These will be drawn to your attention when you browse this Site. By using this Site you hereby agree to these conditions of use in force at that time. If you wish to contact us regarding any matter set out in these conditions you may do so by contacting us by phone, or by writing to us. Companies operating on the site The Site is operated by Asta Management Services Ltd. Asta Management Services Limited has prepared these web pages on behalf of those companies that are members of the Asta Group of Companies (“AGC”). Asta Management Services Ltd is not a regulated entity itself. Please note that if you need advice on financial or investment decisions you should approach a financial adviser. Availability of site Whilst we have taken care in the preparation of the Site, certain technical matters may be beyond our control and we cannot guarantee that you will have uninterrupted or error free access to all of the Site at all times, that defects will be remedied, or that the Site, or the server that makes the Site available, are virus or bug free. Access may be suspended occasionally or restricted to allow for repair or maintenance or for other reasons. Trademarks Images, logos, names and trademarks on the Site are proprietary marks of AGC and/or any applicable relevant third party. Unless otherwise agreed in writing nothing on the Site shall be deemed to confer on any person any licence or right to use any such image, logo, name or trademark and any such use may constitute an infringement of the rights of the holder. Ownership of all materials on the site We are the owner of all copyright, design, graphical and text arrangements, database rights and other intellectual property rights that exist in the content of the Site unless otherwise stated. The Site is intended for non-commercial personal use only. You may not commercially exploit, publish, distribute, extract, re-utilise or reproduce any part of the Site in any material form (including photocopying or storing it in any medium by electronic means) or use it in any other way other than in accordance with the limited use licence set out in our copyright notice. Interference or entry to the Site with intent to corrupt, damage or deny service from the Site or for other commercial benefit shall be taken seriously and we shall take such action as is necessary to protect the Site from any such activities to protect our intellectual property rights. You acknowledge that damages may not be an adequate remedy for any infringement of such rights by you and that we are entitled to the remedies of injunction, specific performance, orders to deliver up infringing copies and any other statutory or equitable relief for any threatened or actual infringement and that no proof of special damages is necessary for reliance on such remedies. Product terms and conditions The content of the Site does not constitute an offer by us to sell products and services. External links We may provide links to other websites that are not under our control. These links are provided for your convenience. When you activate these links, you will leave the Site. We do not endorse or take responsibility for the content on third party websites or the availability of those websites and we are not liable for any loss or damage that you may suffer by using those websites. If you decide to access linked websites you do so at your own risk. Certain links on the Site will lead you to websites that are under the control of other companies within AGC across the world. Please consult the conditions of use and privacy statement on those websites for further details on use of those websites. Site access You must not use the Site in any way that causes or is likely to cause access to be interrupted, or impaired in any way and you acknowledge and agree that you are responsible for electronic communications sent from your computer. Disclaimer We will do our best to correct errors and omissions as soon as we can. The following provisions should be read carefully as they exclude or limit our legal liability in connection with your use of this Site. Nothing in these terms and conditions attempts to exclude liability that is not permissible under applicable law, including without limitation, death or personal injury, or for fraudulent misrepresentation. The information on this Site or any part of this Site shall not be deemed to constitute financial advice for trading or investment purposes or an offer or solicitation to sell investments in any jurisdiction, legal, financial, tax or other advice. You should consult your own professional advisers as to legal, financial, tax or other matters relevant to any action you wish to take in connection with this Site. Nothing in these terms and conditions shall exclude, limit or restrict our duties and liabilities to you under the Financial Services and Markets Act 2000, or any conduct of business rules that we are bound to comply with. While we have taken all reasonable steps to ensure the accuracy and completeness of the content of the website, we exclude any warranties, undertakings or representations (either express or implied) to the full extent permitted under applicable law, that the website or (including without limitation) all or any part of the content or materials, accuracy, availability or completeness of the content of the website or any part of the content or materials are appropriate or available for use in any jurisdiction. If you use this website you are responsible for compliance with applicable local laws. We accept no liability in contract, tort, negligence, statutory duty or otherwise (to the maximum extent permitted by applicable law) arising out of the use of or access to this Site (which includes without limitation) any errors or omissions contained in this Site or if the Site is unavailable and we shall not be liable for any direct or indirect economic losses (including without limitation loss of revenues, data, profits, contracts, use, opportunity, business or anticipated savings); loss of goodwill or reputation; special, incidental, consequential loss or damage, suffered or incurred arising out of or in connection with your use of this Site and these terms and conditions. Access to and use of this Site is at the user's own risk and we do not warrant that the use of this Site or any material downloaded from it will not cause damage to any property, or otherwise minimise or eliminate the inherent risks of the internet including but not limited to loss of data, computer virus infection, spyware, malicious software, trojans and worms. Also, we accept no liability in respect of losses or damages arising out of changes made to the content of this website by unauthorised third parties. Amendment to these conditions of use We reserve the right to amend the Site and these conditions of use without notice from time to time. Any such amendment shall be effective once the revisions have been posted on this Site. As these Conditions of Use may be updated from time to time, we suggest that you check them whenever you visit the Site. If any of these provisions shall be unlawful, void or unenforceable for any reason the particular provision shall be deemed deleted and will not affect the validity or enforceability of the remaining provisions. Monitoring of telephone calls and emails Telephone calls and email correspondence with us as a result of your access to the Site may be recorded for training purposes and to assist in the prevention of fraud. By using such communication methods you are consenting to such activities taking place. Waiver If you breach these terms of use and we do not take immediate action against you we are still entitled to enforce our rights and remedies in respect of any such breach or any subsequent breach. Jurisdiction and law These conditions of use shall be governed by and construed in accordance with English law and shall be subject to the jurisdiction of the English courts. 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