Information Purposes Only

This site is intended for use by residents of the United Kingdom only. The information contained herein is not intended to constitute an offer to sell or a solicitation in connection with any product or service. It is provided solely for general information purposes. Any insurance or non-insurance product described on this Site may have exclusions, limitations, reductions in benefits and terms under which it may be continued in force or discontinued. For more information, please consult the referenced policy or contract. The general information about the products and services apply to the United Kingdom only. All products and services may not be available in other countries.

Links appear on this Site to products or services that are available outside of the United Kingdom and to specific companies or business units. Each User must view the Legal Notice, Terms of Use or similarly described topic displayed on such linked Web sites.

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No Warranty

To the extent permitted by law, Assurant Solutions companies expressly disclaim all warranties, including but not limited to the implied warranties of merchantability, fitness for a particular purpose, title, non-infringement, security and accuracy. Information on this Web Site may contain inaccuracies or errors. Information on this Site may be changed or updated without notice. Assurant Solutions companies have no obligation to update information on this Site, so such information may be out of date at any given time. Assurant Solutions companies also may make improvements or changes in products or services described on this Site at any time without notice. You should not rely on this information, and We recommend that You take further advice or seek further guidance before taking any action based on the information contained on this website.

Limitation of Liability/Disclaimer

THESE TERMS AND CONDITIONS DO NOT EXCLUDE OUR LIABILITY (IF ANY) TO YOU FOR: (1) PERSONAL INJURY OR DEATH RESULTING FROM OUR NEGLIGENCE; (2) FRAUD; OR (3) ANY MATTER WHICH IT WOULD BE ILLEGAL FOR US TO EXCLUDE OR TO ATTEMPT TO EXCLUDE OUR LIABILITY.

SAVE AS PROVIDED ABOVE, WE WILL NOT BE RESPONSIBLE FOR ANY DAMAGES OR INJURIES THAT ACCOMPANY OR RESULT FROM ANY USE OF THIS SITE. THESE INCLUDE, BUT ARE NOT LIMITED TO, DAMAGES OR INJURY CAUSED BY ANY: (1) USE OF, OR INABILITY TO USE, OUR SITE; (2) FAILURE OF PERFORMANCE; (3) ERROR; (4) OMISSION; (5) INTERRUPTION; (6) DEFECT; (7) DELAY IN OPERATION OR TRANSMISSION; (8) COMPUTER VIRUS; OR (9) LINE FAILURE. WE ARE NOT RESPONSIBLE TO YOU FOR ANY LOSSES WHICH YOU MAY INCUR WHICH WERE NOT A FORESEEABLE CONSEQUENCE OF US BREACHING THESE TERMS AND CONDITIONS, FOR EXAMPLE IF YOU AND WE COULD NOT HAVE CONTEMPLATED THOSE LOSSES BEFORE OR WHEN YOU ACCESSED THIS SITE. OUR LIABILITY TO YOU SHALL NOT IN ANY CIRCUMSTANCES INCLUDE ANY BUSINESS LOSSES THAT YOU MAY INCUR, INCLUDING BUT NOT LIMITED TO LOST DATA, LOST PROFITS OR BUSINESS INTERRUPTION. IN THE EVENT WE MAY BE HELD LIABLE FOR ANY DAMAGES RELATIVE TO OUR SITE, SUCH DAMAGES WILL NOT BE GREATER THAN THE AMOUNT YOU HAVE PAID TO ACCESS OUR SITE.

THE MATERIAL ON OUR SITE IS PROVIDED "AS IS." WE DO NOT GUARANTEE OR WARRANT THAT (1) THE FUNCTIONAL ELEMENTS CONTAINED IN THE MATERIALS WILL BE UNINTERRUPTED OR ERROR-FREE; (2) DEFECTS WILL BE CORRECTED; (3) OUR SITE, OR THE SERVERS THAT MAKE OUR SITE AVAILABLE ARE FREE OF COMPUTER VIRUSES OR OTHER HARMFUL COMPONENTS OR CONDITIONS; OR (4) INFORMATION CONTAINED IN OUR SITE IS ACCURATE AS OF ANY PARTICULAR DATE. INFORMATION ON OUR SITE MAY BE WITHDRAWN OR MODIFIED AT ANY TIME WITHOUT NOTICE.

WE DO NOT GUARANTEE THAT THIS WEBSITE WILL BE COMPATIBLE WITH ALL OR ANY HARDWARE AND SOFTWARE WHICH YOU MAY USE. WE DO NOT GUARANTEE THAT THIS WEBSITE WILL BE AVAILABLE ALL THE TIME OR AT ANY SPECIFIC TIME. WE MAY MODIFY, WITHDRAW OR DENY ACCESS TO THIS WEBSITE AT ANY TIME INCLUDING INTRODUCING CHARGES FOR ITS USE OR OTHER RESTRICTED ACCESS.

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No Representation as to Suitability

Assurant Solutions companies make no representation as to the financial or other suitability of any product or service described on this Site for any User.

Copyright, Trademarks and Service Marks

All content on this Site is protected by applicable intellectual property rights, including copyright, and either belongs to Us or is licensed to Us to use. Content includes but are not limited to, the design, layout, look, appearance, graphics and documents on the website, as well as other content such as product descriptions, price lists and other text. Users are prohibited from modifying, copying, distributing, transmitting, displaying, publishing, selling, licensing, creating derivative works or using any content on this Site for commercial or public purposes. The trademarks, logos and service marks (the "Marks") displayed on this Site are the property of Assurant Solutions companies or affiliates (collectively "Assurant"). Users are prohibited from using any Mark for any purpose without the express written permission of Assurant.

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Ownership

The design, text and images of this Site are owned, controlled or licensed by Assurant Solutions companies or its affiliates ("Assurant"). Assurant Solutions companies and/or their licensors retain all right, titles and interest to all material provided on this Site. The posting of information and material on this Site does not constitute a waiver by Assurant or any of their licensors of any rights in such material and does not transfer any rights to any User of this Site.

Linking

Assurant Solutions companies prohibit caching, hypertext links to this Site and the framing of any services, without the express written permission of an Assurant Solutions company.

This Site may contain hyperlinks to Web sites operated, owned or maintained by parties other than Assurant Solutions companies. Such hyperlinks are provided solely as a matter of convenience. Assurant Solutions companies do not control such Web sites and are not responsible for their contents. The inclusion of hyperlinks to such Web sites does not imply any endorsement, approval or certification by Assurant Solutions companies of the material on such Web sites or any association with their operators. Access to any other Web site linked to this Site is at the User's own risk. It is the User's responsibility to check the terms and conditions and privacy policy of any other website which You visit.

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Contracting Online

Nothing on this Site is intended to be nor should be construed as an offer to enter into a contractual relationship with You or anyone else, except for these Terms and Conditions which govern the relationship between Us in relation to Your use of the Site.

If You make contact with a third party who is named or referred to on this Site, it is Your responsibility to ensure that You are comfortable with the terms of that contract and to take legal advice if necessary.

Privacy

Assurant Solutions companies adhere to all laws regarding the privacy of information submitted by Users of this Site. To review the Assurant Solutions Privacy Policy in the United Kingdom, please click on Privacy Policy. Although this Site contains links to other Web sites, Assurant Solutions companies are not responsible for the privacy practices employed by the other Web sites. In addition, unless stated otherwise, Assurant Solutions companies cannot guarantee the security of any data that is submitted through the Internet, by e-mail.

The operations of Assurant Solutions companies that are domiciled and operate outside the United Kingdom may be subject to different privacy requirements. You should refer to the privacy policy of that particular Assurant Solutions company when visiting their Web site.

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Use of Cookie File

Some Web pages within this Site may use "cookies." A cookie is a small file that is stored on Your hard drive and contains no personally identifiable information about the User's use of this Site. A cookie used by Assurant Solutions companies cannot read data off the User's hard drive or read cookie files created from other Web sites. The User is free to decline a cookie if the User's browser has been set to prompt or decline cookies. It is possible that the declination of a cookie may result in Your not being able to use this Site's information and functions successfully.

As part of the normal operation of our Site, Assurant Solutions companies may collect a limited amount of information about Your visit. The information tracked may include the URL You just came from, which URL You go to after leaving this Site, what browser You are using, and Your Internet provider address. This type of information is tracked by many Web sites in order to make sure that visitors are able to use the Web site information and functions successfully. None of this standard tracking information is personally identifiable. Assurant Solutions companies, currently, do not collect personally identifiable information (information that reveals the visitor's identity) about a visitor unless the visitor knowingly and voluntarily provides such information.

E-Mail Usage

While We wish to promote the privacy of individual e-mail users, We cannot guarantee the security or privacy of Your e-mail transmission to Us or to others from this Site. You should consider whether it is appropriate to use e-mail to send confidential messages or information to Us. You bear all responsibility for Your use of e-mail. We shall not be responsible or liable for any of Your actions or any consequences resulting from Your use of e-mail, including but not limited to misaddressed, loss or undelivered e-mail messages

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Products Not Available

The products and services described in this Site relate to products and services within the United Kingdom. Such products and services may not be available outside the United Kingdom.

Laws and Regulations

The formation, existence, construction, performance, validity and all aspects whatsoever of these terms and conditions or of any term of these terms and conditions will be governed by the laws of England and Wales. If You access an international Web site of one of Our companies from this Site, such international Web site is subject to the applicable laws of the jurisdiction (s) to which such company or companies are subject.

Access to Password Protected or Secure Areas

Access to, and use of, password protected or secure areas of this Site are restricted to authorized persons only. Any User who accesses or attempts to access such areas without authorization may be subject to prosecution.

Forward-looking Statements

This Site includes "forward-looking statements" that express expectations of future events and/or results. All statements based on future expectations rather than on historical facts are forward-looking statements that involve a number of risks and uncertainties, and no assurances can be given that such statements will prove to be correct.

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Changes to Terms and Conditions

Assurant Solutions companies reserve the right to revise theses Terms and Conditions at any time and Users are deemed to be apprised of and bound by any changes to these Terms and Conditions each time You visit this Site.

Violations of Terms and Conditions

Assurant Solutions companies reserve the right to seek any remedy available at law or in equity for any violation of these Terms and Conditions, including the right to block access from a particular Internet address to this Site.

Copyright 2005 Assurant Inc. Assurant Solutions is a service mark of Assurant, Inc. No part of this Site may be reproduced without written permission from Assurant, Inc.

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