Web Site Agreement
General
Isle of Man Assurance owns and operates this website. For the purposes
of these Terms and Conditions "We", "Our" and "Us" refers
to IOMA Limited. Please read these Terms and Conditions carefully
before using this Web site. Your use of this Web site indicates
your agreement to be bound by these Terms and Conditions.
Proprietary Rights
Any trade marks, copyright, database rights and other intellectual
property rights in the materials on this Web sit together with
the underlying software code are owned either directly by Us
or by Our licensors. You cannot and may not copy, modify, publish,
alter, broadcast, distribute, sell or transfer any material on
this Web site or the underlying software code whether in whole
or in part. Some parts, such as brochures and applications forms
can be downloaded for your personal use.
Data Protection
Any personal information you supply to Us when you use this Web
site will be used in accordance with our privacy policy.
Acceptable Use
You may only use this Web site in accordance with these Terms and
Conditions and, in any event, for lawful and proper purposes
which includes complying with all applicable laws, regulations
and codes of practice within the UK or other jurisdiction from
which you are accessing this Web site.
In particular, you agree that you will not:
Transmit or disseminate any information on or via this Web site
which is or may be harmful, obscene, defamatory or otherwise illegal
or post any such information.
Use any software, routine or device to interfere or attempt to
interfere electronically or manually with the operation or functionality
of this Web site including but not limited to uploading or making
available files containing corrupt data or viruses via whatever
means deface, alter or interfere with the front end 'look and feel'
of this Web site or the underlying so take any action that imposes
an unreasonable or disproportionately large load on this Web site
obtain or attempt to obtain unauthorised access, via whatever means
to any system owned by IOMA Limited.
Changes to this Web site
We may make improvements or changes to the information, services,
products and other materials on this Web site, or terminate this
Web site, at any time without notice. We may also modify these
Terms and Conditions at any time, and such modification shall
be effective immediately upon posting of the modified Terms and
Conditions on this Web site. Accordingly, your continued access
or use of this Web site is deemed to be your acceptance of the
modified Terms and Conditions.
Links to Other Web sites
This Web site may include links to other internet sites. We do
not endorse any such web sites and We are not responsible for
the information, material, products or services contained on
or accessible through those web sites. Your access and use of
such web sites remains solely at your own risk.
You may only link to this Web site with IOMA Limited express written
permission. We expressly reserve the right to withdraw consent
at any time to a link which we believe in our sole opinion is
inappropriate.
Indemnification
You agree to indemnify, defend and hold IOMA harmless from any
liability, loss, claim and expense (including reasonable legal
fees) related to your breach of these Terms and Conditions.
Complaints
Complaints about our products or service will be dealt with in
accordance with our Complaints Policy. In the event that we are
unable to resolve a dispute customers have the right to refer
the matter to the Isle of Man Financial Services Ombudsman Scheme.
Products
Any products or services referred to on this website are only intended
for those aged 18 years or over.
Taxation
A policy holder should be aware that the tax treatment of a policy
is dependent on the rules of the country in which the policy
holder is taxable
Security
The secure section of the site is password protected and all of
our online transactional services are protected by firewalls
that protect from unauthorised access to our systems. You may
be able to communicate with us securely within these areas.
IOMA Limited may suspend or withdraw access to the pages of this
website without notice at any time and accepts no responsibility
for non-availability of web pages.
It is your responsibility to ensure that your computer is virus
protected . We accept no responsibility for any loss you may suffer
as a result of accessing or downloading information from this site.
We accept no responsibility or liability for the contents of any
website to which a hypertext link exists and gives no representation
or warranty as to the information on such websites. We accept no
responsibility or liability for any loss arising from any contract
entered into with any website to which a hypertext link exists.
Except where local laws do not permit, this website is governed
by Isle of Man law and any dispute or action arising out of the
use of this website shall be determined in accordance with such
laws.
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