ERGO UK Specialty
ERGO UK Specialty Limited

Terms And Conditions

 

ERGO UK Specialty Website Terms and Conditions

These terms and conditions (“terms and conditions“, “terms“) govern the use of the following website https://ergo-specialty.co.uk/ (the “Website“) operated by ERGO UK Specialty Limited (company number: 04516776) (“ERGO”, “we, “us“, “our“). 

In these terms, “you” refers to any person accessing and using the Website, and “Website Content” means all materials, information and content provided on this Website.

Please read these terms carefully.  We draw your attention to the section on liability below.

Conditions of use

By using this Website, you agree to be bound by these terms. If you do not agree to these terms, you must stop using the Website. ERGO only grants access to this Website to those who accept these terms.

Privacy

ERGO take your personal privacy seriously. We refer you to the following documents which also apply to your use of our Website:

  • Privacy Policy, which explains how we collect, use and store your personal data; and
  • Cookie Policy, which sets out how we use cookies and similar technologies on our Website.
Information and Usage

This Website is intended for personal use only and must not be used for commercial purposes.  You must not use bots or other automated tools to interact with the Website.

You are only allowed to download, print, redistribute or extract the Website Content for your own personal, non-commercial use and not for any purpose that damages our reputation or takes advantage of it.

You are not permitted to modify or in any way change any of the Website Content. You must not modify the paper or digital copies of any Website Content you have printed off or downloaded in any way and you must not use any illustrations, photographs, video or audio sequences or any graphics separately from any accompanying text.

The fair value assessments and target market statements available here (FVAs/TMSs) are intended for insurance distributors (e.g., brokers) only. By way of limited exception to the restriction on using the Website Content only for personal, non-commercial purposes, if you are a distributor, you are allowed to use the FVAs/TMSs for commercial purposes, only in accordance with PROD 4 of the FCA Handbook but not for any purpose that damages our reputation or takes advantage of it.  You must not modify the paper or digital copies of any of FVAs/TMSs you have printed off or downloaded in any way. The FVAs/TMSs must not be provided to the end customer or insured.

Information you provide

You must provide us with accurate information when using the Website. By providing us with your details, you confirm that all data provided is accurate. If you wish to correct or update your details, you can do so by contacting us. Intentionally providing false or misleading information for the purposes of obtaining any of our products may lead to the termination or forfeit of the product in question. It may also result in legal action.

Intellectual property

You agree that the Website Content is the property of ERGO or its licensors, including all copyrights, design rights, database rights, trademarks, algorithms and other intellectual property rights.

Except as expressly permitted in these terms, you agree that you will not commercialise, sell, reproduce, publish or redistribute the Website Content in any form, including by electronic or digital means.

Third party links

This Website may contain links to other websites which are outside our control and are not covered by these terms. Where the Website contains links to other websites and resources provided by third parties, these links are provided for your information only. We have no control over the content of those websites and accept no responsibility for them or for any loss or damage that may arise from your use of them. You should read the terms and conditions of third party websites carefully before using them.

If you access other websites using the links provided, the operators of those sites may collect information from you which will be used by them in accordance with their own privacy notice, which may differ from ours.  You should read the privacy notice of third party websites carefully before using them.

Accessibility

ERGO is committed to ensuring the Website is accessible to all users, including those with disabilities. Please contact us if you encounter any accessibility issues.

Termination

ERGO reserves the right to suspend or terminate access to the Website at any time, without notice.

Liability

The Website Content is provided for information purposes only. It is not intended to amount to advice on which you should rely. We give no commitment, whether express or implied, that the Website Content is accurate, complete or up to date.

ERGO has no liability to you or to others relating to the access to and use of this Website, including any direct, indirect, special, incidental or consequential damage caused by:

  • Inaccurate, untimely, incomplete or erroneous information
  • Unavailability of the Website at any time and for any period
  • Failure to access the Website or remain online
  • Events beyond our control or which could not have been reasonably foreseen
  • Third party interference such as hacking, computer viruses, bugs, trojans, information posted on the web by unauthorised parties, phishing, and any other cyber crime.

ERGO is not liable for any direct, indirect, special, incidental or consequential damages that may occur to you as a result of your misuse of our Website.

ERGO does not provide any commitment that this Website is free of viruses or technical defects and ERGO accepts no responsibility for any technical problems arising from your use of the Website. You are responsible for configuring your information technology, computer programs and platform to access our Website. You should use your own virus protection software.

We will not be liable for any loss or damage caused by a distributed denial-of-service attack, viruses or other technologically harmful material that may infect your computer equipment, computer programs, data or other proprietary material due to your use of the Website or to your downloading of any material posted on it or on any website linked to it.

Notwithstanding the above, we do not limit or exclude the liabilities and responsibilities ERGO has to you under the regulatory system and which cannot be limited or excluded.

If you are a distributor (e.g., a broker), the terms of business agreement (TOBA) entered into between ERGO and you shall take precedence in governing the relationship and obligations between both parties, including any contractual terms relating to liability.

We may suspend or withdraw the Website

This Website is made available free of charge.

We do not guarantee that the Website, or any Website Content, will always be available or be uninterrupted. We may suspend or withdraw or restrict the availability of all or any part of our Website for business and operational reasons.

Offences

You must not misuse the Website by knowingly introducing viruses, trojans, worms or other material which is malicious or harmful. You must not attempt to gain unauthorised access to the Website, the server on which the Website is stored or any server, computer or database connected to the Website. You must not interfere with, damage or disrupt any software used in the provision of our Website or any equipment or network or software owned or used by any third party on which this Website relies in any way. You must not attack our Website via a denial-of-service attack or a distributed denial-of-service attack. By breaching this provision, you would commit a criminal offence under the Computer Misuse Act 1990.

We will report any such breach to the relevant law enforcement authorities, and we will co-operate with those authorities by disclosing your identity to them. In the event of such a breach, your right to use our Website will cease immediately.

Severability and waiver

If any provision of these terms is found to be unenforceable, the remaining provisions will remain in effect. Failure to enforce any provision does not constitute a waiver.

Entire agreement

These terms constitute the entire agreement between you and ERGO regarding your use of the Website.

Applicable law

The laws of England and Wales will govern these terms and conditions, and in the event of a dispute you agree to the exclusive jurisdiction of the English Courts.

Changes

ERGO reserves the right to edit, modify, and change these terms and conditions, without notice by amending this page. Please check this page at regular intervals for any changes to these terms and conditions.

About us

This Website is owned and operated by ERGO UK Specialty Limited.

ERGO UK Specialty Limited (registered in England and Wales, company no. 04516776), whose registered address is 1 Fen Court, 5th Floor, Fenchurch Avenue, London, England EC3M 5BN, is authorised and regulated by the Financial Conduct Authority (Financial Services Register No. 435184).

For legal or compliance-related inquiries, please contact us at the registered address above.