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Terms and Conditions

By using this website, you agree to be bound by the following terms and conditions without limitation or qualification. Please read these Terms of Use carefully before using this website. These Terms of Use may be revised at any time by an update of this posting. You understand and agree that you will be bound by any such revisions. You should periodically visit this page to review the current terms and conditions to which you are bound.

Privacy Policy
Your attention is drawn to our Privacy Policy which you can access on this website. You understand and agree that the terms of our Privacy Policy apply to your use of this website.

Competition and Prize Draw Terms and Conditions
Separate terms and conditions will also apply to participation by you in any sales promotion (for example any prize competition or prize draw) promoted by Hospital Plan Insurance Services on this website from time to time, and these Terms of Use and the Privacy Policy must be read in conjunction with those separate competition or prize draw terms and conditions which will available to view on this website.

This website is operated by, or on behalf of, Hospital Plan Insurance Services, a company registered in England under company number 2100356 with its registered address at The AIG Building, 58 Fenchurch Street, London EC3M 4AB. Hospital Plan Insurance Services is an appointed representative of AIG Europe Limited and is authorised and regulated by the Financial Services Authority (FSA number 401592). This information can be checked by visiting the FSA website www.fca.org.uk. Hospital Plan Insurance Services is a member company of AIG Inc.
References in these Terms of Use to “we”, “us” and “our” are references to Hospital Plan Insurance Services.
References in these Terms of Use to “you”, “your” and “yours” are references to the person(s) accessing this website.

USERS
This website is only intended for access from within the United Kingdom by residents of the United Kingdom. As a result, we make no representation that materials on this website are appropriate or available for use in any other location. You access this website on your own initiative and you are responsible for your own compliance with local laws. We cannot guarantee that this website or the information contained within it complies with local laws and regulations, or is appropriate for use, in any other territory.  
You are wholly responsible for use of this website by any person using your computer and you must ensure that any such person complies with these Terms of Use.

NO WARRANTIES
The following clauses exclude or limit the legal liability of Hospital Plan Insurance Services and its affiliates for this website. You should read them carefully.

Whilst we have taken reasonable steps to ensure the accuracy, currency, availability, correctness and completeness of the information contained on this website, information is provided on an "as is", "as available" basis and we do not give or make any warranty or representation of any kind, whether express or implied. The use of this website is at your sole risk. Hospital Plan Insurance Services and its affiliates, including AIG Inc and its other member companies, shall not be liable for any loss or damage whatsoever and howsoever arising as a result of your use of this website or your use of, or reliance on, the information contained on this website to the maximum extent permitted by law.

We do not represent or warrant that this website will be available and meet your requirements, that access to this website will be uninterrupted, that there will be no delays, failures, errors or omissions, or loss of transmitted information, that no viruses or other contaminating or destructive properties will be transmitted or that no damage will occur to your computer system as a result of your use of this website. You have sole responsibility for adequate protection and back-up of data and/or equipment and for undertaking reasonable and appropriate precautions to scan for computer viruses or other destructive properties.

DOWNLOADING INFORMATION
Any material and/or data downloaded or obtained through the use of this website or any of the websites mentioned on this website is at your own discretion and risk, and you will be solely responsible for any damage to your computer systems or loss of data that results from the downloading of such material and/or data.

THIRD PARTY WEBSITES
Where we provide hypertext links to other locations on the Internet, we do so for information purposes only. We are not responsible for the content of any other websites or pages linked to or linking to this website. We have not verified the content of any such websites. Following links to any other websites or pages shall be at your own risk and we shall not be responsible or liable for any damages or in other way in connection with linking. Links to downloadable software sites are for convenience only and we are not responsible or liable for any difficulties or consequences associated with downloading the software. Use of any downloaded software is governed by the terms of the licence agreement, if any, which accompanies or is provided with the software.
No endorsement or approval of any third parties or their advice, opinions, information, products or services is expressed or implied by any information on our website.

INTERNET E-MAIL
Messages sent over the Internet cannot be guaranteed to be completely secure as they are subject to possible interception or loss or possible alteration. We are not responsible for them and will not be liable to you or anyone else for any damages or otherwise in connection with any message sent by you to us or any message sent by us to you over the Internet.

INSURANCE COVERAGES
Insurance products promoted by Hospital Plan Insurance Services are underwritten by member companies of AIG Inc, including (without limitation) AIG Europe Limited. Please refer to the underwriter’s actual policy for full details of the scope of insurance and limitations of insurance coverage.

INTELLECTUAL PROPERTY
This website and the materials on it are protected by copyright, trade mark and other intellectual property rights and laws throughout the world, which are owned either by Hospital Plan Insurance Services or any of its affiliates, including AIG Inc and its other member companies, or by any subsidiary, affiliate or licensor of such companies, unless otherwise noted. You are permitted to display the materials on this website on a computer screen and to download and print a hard copy for your personal use provided you do not alter or remove any copyright, trade mark or other proprietary notices. Any other use is prohibited unless you first get our written permission. In particular no one may use any part of our website on any other website, or link any other website to this website without our prior written permission.
You agree that you shall not:

  • use any of the materials on this website for commercial exploitation;
  • establish a link to this website from any other website, intranet or extranet site;
  • do anything that may interfere with or disrupt the website or any of our services; or
  • do anything that may infringe the rights (including, but not limited to, the intellectual property rights) of any person.

If you send any comments, suggestions or materials to us from or concerning this website, or any materials on or in it, you assign any rights (including, but not limited to, any intellectual property rights) you may have in them to us and we may do anything consistent with rights of ownership in any form and media on a royalty free basis anywhere in the world in connection with any such comments, suggestions or materials. You also waive and agree not to assert any moral rights in such comments, suggestions or materials.

DATA PROTECTION
Please review our Privacy Policy which is accessible on this website. You understand and agree that the terms of our Privacy Policy apply to your use of this website, in addition to these Terms of Use.

GOVERNING LAW 
These Terms of Use are governed by and shall be interpreted in accordance with the laws of England and Wales, and the courts of England will have exclusive jurisdiction in respect of any dispute, which may arise.

UPDATE OF TERMS OF USE
These Terms of Use will be updated and modified from time to time without notice. Accordingly, whenever you access this website, please ensure that you check this posting.