Ian Ramage

Terms and conditions

1. Copyright

1. The copyright to the content, design, and any listing in this website is owned by Ian Ramage (“we” or “us”). You may print and download extracts from this site on the following conditions:

1.2 The documents and graphics on this site are for personal use or for use within your firm or organisation; any copies of these pages that you view, print or save to disk or to any other storage medium may only be used for your personal viewing or for viewing within your firm or organisation and any pages or extracts printed or saved to disk or stored in any way, may not be distributed to third parties or sold or otherwise circulated for profit. You may however provide extract copies to third parties as part of any professional advice you may give them, provided that the source of our material is acknowledged in all copies.

1.3 You must not reproduce or store any part of this website or include it in any public or private electronic retrieval system or service.

2. Access to this Website

2.1 While we try to ensure that this site is normally available 24 hours a day, we will not be liable for loss if, for any reason, the site is unavailable for any period of time.

2.2 Access to this site may be suspended temporarily or permanently and without notice. Where it is urgent to deal with any notifications relating to policies issued by insurers, you can alternatively contact us by fax, email or post.

2.3 We will try to ensure that this website is free of anything which could damage delay or adversly affect your hardware, software or any electronic system on which you rely, but because of the nature of electronic systems and the existence of viruses, worms spam etc in general circulation, we will not be responsible for any loss caused to you by accessing this website or any associated, recommended or redirected site or server.

2.4 This website offers links to other sites - they enable you to leave this site. We do not control the linked sites and we are not responsible for the contents of any linked site or any link in a linked site, or any changes or updates to such sites. The third parties controlling those sites are responsible for ensuring that their material complies with national and relevant foreign law. We are not responsible for any error, omission or inaccuracy in their material. We are also not responsible for webcasting or any other form of transmission received from any linked site. We provide these links to you only as a convenience, and the inclusion of any link does not imply our endorsement of the site.

2.5 We will try to maintain the security and confidentiality of any communication you have with us or data you supply to us, but due to the nature of internet communications, we cannot guarantee the secuity or confidentiality of internet communications either in your transmission to us or our onward transmission to any insurer or third party, and will not be liable for any loss arising as a result of a breach of security or confidentiality for this reason.

3. The Information on this Website

3.1 The material on this site is supplied free of charge and does not constitute financial, legal or other professional advice either in relation to the products detailed in this website, or on any other issue. You must make your own inquiries and investigations before taking (or refraining from taking) any steps based on the material on this website and you should consult the appropriate advisor if you require expert advice. 3.2 We try to ensure that the information on this site is correct, but we do not give any express or implied warranty as to its accuracy. We do not accept any liability for error or omission or loss from the use of this site, or any material contained in it, or from any action or decision taken or not taken as a result of using this site or any such material.

4. General Terms and Definitions

4.1 By accessing any part of this site, you will be deemed to have accepted these terms in full.

4.2 In these Terms and Conditions the following definitions apply:

4.2.1 “we”, “us” or “our” means Ian Ramage or belonging to him. 4.2.2 “you” or “your” means you, your partnership, Limited Liability Partnership, Limited Company or other bussness organisation, and its partners, members and directors, and its employees consultants and self employed individuals within its control. 4.2.3 “loss” means any damage (including, without limitation, damages for loss of business or loss of profits, reputation or goodwill) arising in contract, tort or otherwise 5.3 These terms are governed by and interpreted in accordance with English Law. Any dispute will be subject to the sole jurisdiction of the Courts of England and Wales.