Legal terms of use | Zurich Insurance

Virtual Consulting Legal

A: Terms applicable to all users

1. Introduction

USE OF THIS WEBSITE IS SUBJECT TO THESE TERMS OF USE (THE "LEGAL TERMS"), WHICH FORM A CONTRACT BETWEEN ZURICH MANAGEMENT SERVICES LIMITED ("ZURICH", "WE", "US", OR "OUR") AND THE ZURICH INSURANCE PLC POLICYHOLDER ("THE POLICYHOLDER", "YOU" or "YOUR"). YOU HEREBY WARRANT THAT ANY OFFICER, EMPLOYEE, AGENT OR CONTRACTOR THAT ACCESSES THE WEBSITE ON YOUR BEHALF (THE "USER") HAS APPROPRIATE AUTHORITY TO DO SO.

BY CONTINUING TO USE THIS WEBSITE, OR BY GRANTING YOUR OFFICER, EMPLOYEES, AGENTS OR CONTRACTORS ACCESS TO THE WEBSITE ON YOUR BEHALF, YOU CONFIRM THAT YOU HAVE ACCEPTED THESE LEGAL TERMS. IF, AT ANY POINT, YOU DO NOT WISH TO BE BOUND BY THE LEGAL TERMS, YOU MUST IMMEDIATELY CEASE ALL USE OF THE WEBSITE AND PROCURE THAT EACH OF YOUR USERS CEASE ALL USE OF THE WEBSITE.

FOR USERS WHO ARE NOT REGISTERED WITH THIS WEBSITE, YOUR USE OF THIS WEBSITE IS EXPRESSLY CONDITIONED UPON YOUR ACCEPTING AND AGREEING TO THESE TERMS OF USE.

We may revise these Legal Terms at any time by updating this posting. You should check the Website from time to time to review the then current legal terms, because they are binding on you. Certain provisions of the Legal Terms may be superseded by expressly designated Legal Terms or terms located on particular pages at the Website.

2. Changes to the Website

Zurich may, at any time, for any reason and without notice, make changes to (i) this Website, including its look, feel, format, and content, as well as (ii) the products and/or services as described in this Website. Any modifications will take effect when posted to the Website. We do not represent that this Website will be available, that access will be uninterrupted, that there will be no delays, failures, errors or omissions, that no viruses will be transmitted or that no damage will occur to your computer system.

You agree to be responsible for the adequate protection and back up of your data and/or equipment and to review the Legal Terms upon which access and use of this Website is conditioned. By your continuing use of the Website after changes are posted, you will be deemed to have accepted such changes.

3. Privacy

These Legal Terms are to be read by you together with the Privacy Notice provided in the pages of this Website.

4. Access to our Website

This Website is directed to those individuals and entities located in the United Kingdom, the Channel Islands and Isle of Man. It is not directed to any person or entity in any jurisdiction where (by reason of nationality, residence, citizenship or otherwise) the publication or availability of the Website and its content, including its products and services, are unavailable or otherwise contrary to local laws or regulations. Zurich makes no representation or warranty that the information, opinions, advice or other content on the Website (collectively, "Content") is appropriate to your needs and circumstances or that its products and services are available outside of the United Kingdom, the Channel Islands and Isle of Man. Those who choose to access this Website from other locations do so at their own risk and are responsible for compliance with applicable local laws.

Not all of the products and services described on this Website are available in all geographic areas of the United Kingdom, the Channel Islands and Isle of Man. You may not be eligible for all of the insurance products and services described in this Website. Zurich reserves the right to determine all eligibility for such products and services in its sole discretion, as and when the necessary application is made.

Without prejudice to the generality of Section 8, this Website may provide a general description of certain types of insurance products, coverage and services available through Zurich. These descriptions are not a part of an insurance contract or policy and do not amend, revise or alter the terms of any policy issued through or services provided by Zurich.

5. Scope of Use

You are only authorised to view, use, copy for your records and download small portions of the Content (including without limitation text, graphics, software, audio and video files and photos) of this Website for your informational, non-commercial use, provided that you leave all the copyright notices, including copyright management information, or other proprietary notices intact. You may not store, modify, reproduce, transmit, reverse engineer or distribute a significant portion of the Content on this Website, or the design or layout of the Website or individual sections of it, in any form or media. The systematic retrieval of data from the Website is also prohibited.

E-mail submissions over the Internet may not be secure and are subject to the risk of interception by third parties. Please consider this fact before e-mailing any information. Also, please consult our Privacy Notice in these Legal Terms. You agree not to submit or transmit any e-mails or materials through the Website that (i) are defamatory, threatening, obscene or harassing, (ii) contain a virus, worm, Trojan horse or any other harmful component, (iii) incorporate copyrighted or other proprietary material of any third party without that party's permission or (iv) otherwise violate any applicable laws. Zurich shall not be subject to any obligations of confidentiality regarding any information or materials that you submit online except as specified in these Legal Terms, or as set forth in any additional terms and conditions relating to specific products or services, or as otherwise specifically agreed or required by law.

The commercial use, reproduction, transmission or distribution of any information, software or other material available through the Website without the prior written consent of Zurich is strictly prohibited.

6. Intellectual Property

Unless we have clearly stated otherwise, all intellectual property rights in or to the Website are our property. These include (but are not limited to) copyright in the graphic images, buttons, layout, and text contained in our Website. You may not copy or distribute our Website, except for your own personal use, in whole or in part, without our prior written consent. Zurich and/or other Zurich marks referenced on our Website are trade marks (registered or otherwise) which belong to Zurich or its subsidiaries in the UK and/or other countries. You may not use such trade marks without our prior written consent. Other product and company names reproduced on our Website may be the trade marks (registered or otherwise) of their respective owners.

7. Links

Zurich offers links to other websites operated by other entities as a convenience to you in the belief that making hyperlinks available to publicly accessible web pages and newsgroups is legally permissible and consistent with the common, customary expectations of those who make use of the Internet. Zurich makes no representation regarding the content or accuracy of any website that you may access through this Website. Zurich does not monitor and is not responsible for the content found on other websites that are linked from this Website. Inclusion of these links on Zurich's Website does not imply endorsement, recommendation or sponsorship for any linked website or the services, products or advice described on the Website. Accordingly, Zurich assumes no responsibility or liability for the content of any linked sites. Before entering any linked site, you should review and understand that site's privacy policy.

You may not hyperlink to this Website without Zurich's written permission.

8. No Warranties

Information relating to risk services is intended as a general description of certain types of risk and/or risk mitigation services available to qualified customers. Nothing in this Website constitutes legal or other professional advice. If you require advice on a specific matter, we recommend that you seek such advice.

Zurich and its employees do not assume any liability of any kind whatsoever, resulting from the use, or reliance upon any information, material or procedure contained herein. Zurich and its employees do not guarantee particular outcomes and there may be conditions on your premises or within your organisation which may not be apparent to us. You are in the best position to understand your business and your organisation and to take steps to minimise risk, and we wish to assist you by providing the information and tools to assess your changing risk environment, but such information and tools provided are not intended, and should not be, solely relied upon, for the purposes of making such a risk assessment.

Only you can make your workplace safe. Any risk management duties of your company cannot be delegated and Zurich accepts no delegation and cannot assume any of those risk management duties and/or decisions. Zurich will assist you by providing the specific risk management consulting and services for which you have contracted. Zurich makes no warranties in conjunction with those services, and it undertakes no obligations other than as set out in Zurich's policy documentation.

All information contained in this Website has been compiled and obtained from sources believed to be reliable and credible but all such information is provided 'as is' without warranty of any kind. Zurich hereby expressly excludes all conditions, warranties and other terms which might otherwise be implied by statute, common or the law of equity and makes no representation or warranty, express or implied, as to the accuracy or completeness or satisfactory quality or fitness for a particular purpose of all such information. Some of the information contained herein may be time sensitive and thus, you should consult the most recent referenced material.

9. Limitation of Liability

We shall not be liable for any:
- direct damages; or
- indirect, incidental, special or consequential damages or for loss of profit or opportunity, whatsoever, whether in contract, tort or otherwise, in either case, arising from (1) the use of our Website or the information contained on our Website or (2) the inability to use, and the unavailability of, our Website or (3) unauthorised access to or alteration of your transmissions or data or (4) the transmission of viruses that may infect your computer equipment, software, data or other property on account of your (or your users') access to, use of, or browsing the Website or your downloading of any material from the Website or any websites linked to the Website or (5) third party services outside our reasonable control (including, but not limited to, telephone and browser services), whether such services are used by you to access our Website or used by us to comply with your instructions.

For the avoidance of doubt, this provision shall apply whether or not the relevant loss or damage arises by reason of our negligence.

Nothing in these Legal Terms should exclude our liability to you in the tort of deceit or for personal injury or death caused by our negligence.

10. Indemnity

You shall be liable to us for any loss we suffer as a result of your use of our Website or any breach of these Legal Terms by you.

11. Governing Law, Location and Miscellaneous

These Legal Terms and any dispute or claim arising out of or in connection with them or their subject matter or formation (including non-contractual disputes or claims) shall be governed by and construed in accordance with the law of England and Wales.

The English courts will have exclusive jurisdiction over any claim arising from, or related to, use of the Website.

If a competent authority finds any or part of these Legal Terms invalid, unlawful or unenforceable to any extent, we shall delete the relevant term or part from the remaining Legal Terms which shall continue to be valid and enforceable to the fullest extent permitted by English law.

No act, omission or delay by us shall be a waiver of our rights or remedies under these Legal Terms unless otherwise agreed in writing by us. We may assign our rights and obligations under these Legal Terms and upon such assignment we may be relieved of any further obligation to you under them.

A person who is not a party to these Legal Terms shall have no right under the Contract (Rights of Third Parties) Act 1999 (to the extent that such act is applicable in the relevant jurisdiction) to enforce them but this shall not affect any right or remedy of a third party which exists or is available apart from under that Act.

The Website operated on behalf of Zurich Management Services Limited
Registered Office:
The Zurich Centre
3000 Parkway
Whiteley
Fareham
Hampshire PO15 7JZ
Company Registration Number: 2741053
VAT Number: 107831677

Zurich Management Services Limited is a member of Zurich Insurance Group, a company registered in Switzerland (number 023.3.020.5108) and its subsidiary undertakings from time to time.

12. The subsidiaries of Zurich

Zurich does business in its own name and (from time to time) through its subsidiary companies.

13. Termination

Zurich may terminate or suspend access of any of your Users to the Website at any time, with or without cause, in Zurich's absolute discretion and without notice. Any statement in the Legal Terms or elsewhere on the Website of specific grounds for termination of any of your Users' access to the Website shall in no manner limit Zurich's absolute right to terminate any user's access to the Website.

14. Separate Agreements

You may have other agreements with Zurich. Those agreements are separate and in addition to these Legal Terms. These Legal Terms do not modify, revise or amend the terms of any other agreements you may have with Zurich, or with any other company within the Zurich Insurance Group.

B. Additional terms applicable only to registered users

15. U.K. Resident

You represent that you are a company or organisation incorporated or having principal place of business in either the United Kingdom or the Channel Islands or Isle of Man.

16. Registration and Security

You are responsible for procuring that your Users maintain the confidentiality of their or your user name and password. You will procure that your Users do not share their or your password with or transfer their or your password to any third party. You are responsible for all uses of the user names and passwords issued to your Users, and any and all related charges, whether or not authorised by you. You agree to immediately notify Zurich of any unauthorised use of any of your User's password or user name or any other breach of security. Until Zurich is properly notified of a breach of security by either e-mail notice or written notice, you will remain responsible for any unauthorised use of the Website occurring under a user name and password of any of your Users. You will procure that each of your Users will not violate, or assist in violating, the security of the Website, whether intentionally, negligently or otherwise. You will procure that your Users will not attempt to utilise another user's account, user name, password, or persona without authorisation from that user.

For purposes of identification and marketing, you agree to provide Zurich with accurate, complete, and updated information required by registration to our service ("Registration Data"), including your legal name, address, telephone number(s), e-mail. Zurich reserves the right to verify the accuracy of all Registration Data. You agree to promptly notify us of any change in your Registration Data. Failure to comply with this provision may result in immediate suspension or termination of your right to use the Website.