This website is provided for your information by Lothbury UK Ltd of Lloyd’s of London, 1 Lime Street, London, EC3M 7HA. These are the general terms and conditions that govern your use of the Website.
Please read these terms and conditions carefully.
If you continue to use the Website you are agreeing to comply with and be bound by the terms and conditions and the disclaimer in this Legal Notice. The term ‘you’ and ‘your’ refer to the user or viewer of the website. The terms ‘we’, ‘our’ and ‘us’ refer to Lothbury UK Ltd.
We may change and update these terms and conditions from time to time. It remains your responsibility to access and check these terms and conditions whenever you access the website.
Lothbury UK Ltd is registered in England & Wales under Company Number 4942973 with its Registered Office at 70 Gracechurch Street, London, EC3V 0XL.
Lothbury UK Ltd is authorised and regulated by the United Kingdom Financial Conduct Authority. Our firm reference number is 311701. You can check this on the Financial Conduct Authority’s Register by visiting their website https://register.fca.org.uk or by contacting the Financial Conduct Authority on 0300 500 8082 from the UK, or +44 207 066 1000 from abroad.
You are wholly responsible for the use of the website by any person using your terminal or point of access an are responsible for ensuring that any such person also fully complies with these terms and conditions.
You agree to use the website in a manner consistent with any and all applicable laws and regulations in the country in which you access the website. The website is not intended for viewers in any other jurisdiction or country where local laws and/or restrictions prohibit any of the activities transacted by the website.
Usage of your personal information is governed by our Privacy Policy, which is available on a separate page on the website.
You agree that we may sub-contract the performance of any of our obligations or may assign these terms and conditions or any of our rights or obligations without giving you notice. These terms and conditions shall be governed and interpreted in accordance with English Law and you consent to the exclusive jurisdiction of the English Courts.
This website contains general information on Lothbury UK Ltd and its products and services and the website and its contents are not intended to constitute investment or other advice (nor any solicitation to participate in investment or other business) in any country in the world. Certain products and services described on the website are not available to all users due to insurance regulatory restrictions.
The website contains links to other third party websites and you may have linked to the website from another website. We are not responsible for the privacy policies or the content of such websites. You should check the terms and policies applicable to each such website.
Personal Data provided in connection with insurance will be used and processed in line with our Privacy Policy. A copy of this is available on a separate page on the website or one can be requested from Lothbury UK Ltd at any time.
We may use your IP address to monitor and analyse how this website is being used. Individuals are not identified and we do not use cookies for research. We will not disclose without your consent any personal information we collect about you when you visit this website to a third party outside our Parent Company, Lothbury Group and its subsidiary companies.
This website uses cookies. A cookie is a small text file that is placed on a device by websites that you visit. They are widely used in order to make websites work, or work more efficiently, as well as to provide information to the owners of the site. For example, cookies are used to remember users’ preferences; to help navigate between pages efficiently and can help determine if a user is a returning visitor, or whether the current user is logged into the website that they are visiting.
In general, there are two types of cookies; persistent cookies and session cookies.
A persistent cookie consists of a text file sent by a web server to a web browser, which will be stored by the browser and will remain valid until its expiry date (unless deleted by the user before the expiry date). This website does not use any persistent cookies.
A session cookie, on the other hand, will expire at the end of the user session, when the web browser is closed.
Should you wish to restrict or block the cookies which are set by this website, or indeed any other website, you can do this through your browser settings. The ‘help’ function within your browser should tell you how.
Alternatively, you may wish to visit www.allaboutcookies.org which contains comprehensive information on how to do this on a wide variety of browsers. You will also find details on how to delete cookies from your computer, as well as more general information about cookies. For information on how to do this on the browser of your mobile device, you will need to refer to your device manual.
Please be aware that restricting cookies may impact on the functionality of this website.
We will not disclose your personal information to any other party other than in accordance with these terms and conditions and in the circumstances detailed below:-
The information, including any financial information, on this website is provided for information purposes only and none of the information on this website constitutes an offer to contract. We reserve the right to add, modify or delete information on this site at any time. We reserve the right to modify these terms at any time and without prior notice so you should rely on the most up to date version of these terms.
We will endeavour to ensure that this site is accessible for 24 hours a day. However, we will not be liable if, for any reason, the site is unavailable at any time or for any period. Access to this site may be suspended temporarily or permanently by us, without notice for routine or emergency updates and maintenance. We will not be liable for loss of use, profits or data or any indirect, special or consequential damages or losses in contract, negligence or tort including any losses relating to your use of, reliance upon or inability to use the website for any reason.
Material and documents contained on this site are provided for information purposes only. Thought we use reasonable endeavours to ensure that the website remains accurate and up to date, it is supplied on an ‘as is’ basis and accordingly we do not accept any liability for any errors and omissions. The website may also contain hypertext links to websites operated by third parties. These links are provided for information and convenience and any link does not imply an endorsement by us in any way of the third party site. We accept no responsibility for the operation and content of third party websites. No one may link into this site without our prior written consent. We cannot warrant that this site is free of viruses or technical defects of any description and we will not be responsible for any technical problems arising from the use of this website.
The copyright and any other rights in the material available on this site are owned by us unless otherwise indicated and may not be used, sold, copied or reproduced in whole or part in any manner or form or in any media by any person other than for non-commercial personal use without our prior consent. However, FCA regulated insurance brokers may also use the website to assist them when advising their clients.
If you are visiting the website from outside the UK, your visit will necessarily result in the transfer of information across international borders. By visiting this site and communicating electronically with us you are consenting to these transfers.
Please do not hesitate to contact us regarding any matter relating to this website:-
Lothbury UK Ltd
Lloyd’s of London
1 Lime Street
London
EC3M 7HA
