Terms & Conditions

IMPORTANT: THESE GENERAL TERMS OF USE APPLY TO THE ENTIRE CONTENTS OF THIS WEBSITE UNDER THE DOMAIN NAME WWW.AGDMEDIA.COM ("WEBSITE") AND TO ANY CORRESPONDENCE BY EMAIL BETWEEN US AND YOU. PLEASE READ THESE TERMS CAREFULLY BEFORE USING THIS WEBSITE. ACCESSING THE WEBSITE INDICATES THAT YOU ACCEPT THESE TERMS. IF YOU DO NOT ACCEPT THESE TERMS, DO NOT USE THIS WEBSITE. THESE GENERAL TERMS OF USE ARE ISSUED BY A.G.D. MEDIA CORP. ("A.G.D. MEDIA").

1. Introduction

1.1 You will be able to access most of the Website without registering your details with us. Certain areas of this Website are only open to you if you register.

1.2 By accessing any part of this Website, you shall be deemed to have accepted these General Terms of Use in full. If you do not accept these General Terms of Use in full, you must cease to use this Website immediately.

1.3 A.G.D. Media may amend or revise these General Terms of Use at any time without notice. You should check this Website from time to time to review the then current General Terms of Use because they are binding on you. Expressly designated legal notices or terms may be located on particular pages on this Website and are ancillary to these General Terms of Use.

2. Licence

2.1 You are permitted to print and download extracts from this Website for your own personal use or internal business purposes provided that:

(a) no documents or related graphics on this Website are modified in any way;

(b) no graphics on this Website are used separately from accompanying text; and

(c) A.G.D. Media copyright and trademark notices as shown on each web page appear on all copies.

This permission will be revoked immediately if any of its terms are infringed.

2.2 Unless otherwise stated, the copyright and other intellectual property rights in all materials on this Website (including without limitation photographs and graphical images) are owned by A.G.D. Media or its licensors. Any use of extracts from this Website other than in accordance with paragraph 2.1 above for any purpose is strictly prohibited. If you breach any of the terms of these General Terms of Use, your permission to use this Website automatically terminates and you must immediately destroy any downloaded or printed extracts from this Website.

2.3 Subject to paragraph 2.1 no part of this Website may be reproduced or stored on any other website or included in any public or private retrieval system or service without A.G.D. Media prior written permission.

2.4 Any rights not expressly granted in these General Terms of Use are reserved.

3. Service Access

3.1 While A.G.D. Media endeavours to ensure that this Website is normally available 24 hours a day, A.G.D. Media will not be liable if for any reason this Website is unavailable at any time or for any period.

3.2 Access to this Website may be suspended temporarily and without notice in the case of system failure, maintenance or repair or for reasons beyond A.G.D. Media control.

4. Visitor material and conduct, including contributions to ‘Your Opinion' pages

4.1 By using this Website you consent to the processing (including international transfer) of personal information about you as described.

4.2 Other than personally identifiable information, any material that you transmit or post to this Website including contributions to the ‘Your Opinion' pages will be considered non-confidential and non-proprietary. A.G.D. Media will have no obligations with respect to such material. A.G.D. Media will be free to copy, disclose, distribute, incorporate and otherwise use such material and all data, images, sounds, text and other things embodied therein for any and all commercial or non-commercial purposes. If you do not wish A.G.D. Media to have the rights set out in this paragraph 4.2 please do not transmit or post any material or submit any contributions to the Website.

4.3 You are prohibited from submitting, posting or transmitting to this Website any material which:

(a) is unlawful, harassing, threatening, defamatory, harmful, profane, indecent, offensive, pornographic, abusive, liable to incite racial hatred, discriminatory, in breach of confidence, in breach of privacy or which may cause annoyance or inconvenience;

(b) violates a patent, trade mark, copyright, trade secret or other intellectual property rights of others or for which you have not obtained all necessary licences and/or approvals;

(c) constitutes or encourages conduct that would be considered a criminal offence, give rise to civil liability, or otherwise be contrary to the law or infringe the rights of any third party, in the UK or any other country in the world;

(d) constitutes any form of marketing; or

(e) is technically harmful (including, without limitation, computer viruses, logic bombs, Trojan horses, worms, harmful components, corrupted data or other malicious software or harmful data).

4.4 You must not misuse the Website (including, without limitation, hacking).

4.5 Violation of this section may lead to legal action being taken against you by the authorities or an aggrieved third party. A.G.D. Media will fully cooperate with any law enforcement authorities or court order requesting or directing A.G.D. Media to disclose the identity or locate anyone submitting, posting or transmitting any material in breach of this section 4.

4.6 You shall fully indemnify A.G.D. Media for any loss or damage suffered by A.G.D. Media or any of its subsidiaries for breach of paragraphs 4.3 or 4.4.

5. ‘Your Opinion' Rules

5.1 Where you submit a contribution to the ‘Your Opinion' section of the Website, you must do so in accordance with these General Terms of Use, in particular section 4, and the following Rules:

(a) You acknowledge that you are solely responsible for the content of your submissions and you agree to submit contributions that are civil, tasteful and relevant to the subject matter of the debate.

(b) You agree that you will refrain from submitting multiple postings. Please keep your number of contributions per debate to a reasonable level to enable A.G.D. Media to publish comments from as many different people as possible.

(c) A.G.D. Media will review all comments submitted on ‘Your Opinion' and publish a selection which in A.G.D. Media view represents a fair and balanced view of the submissions received. A.G.D. Media reserves the right at all times to edit, refuse to post or to remove comments or information in whole or in part, whether in breach or not of these General Terms of Use and/or Rules and without further notice or comment to you.

6. Links to and from other websites

6.1 Connected A.G.D. Media websites (including, but not limited to, Agency and Binding Authority Registration) that can be accessed via links from this Website are subject to separate terms and conditions. You must therefore read those terms and conditions carefully before using those sites.

6.2 Links to third party websites on this Website are provided solely for your convenience. If you use these links, you leave this Website. A.G.D. Media makes no representations as to the security, quality or propriety of any website which may be accessed through this Website and accepts no liability for the content or for any loss or damage caused or alleged to have been caused by the use of or reliance on information contained in such websites or goods or services purchased from them. If you decide to access any of the third party websites linked to this Website, you do so entirely at your own risk.

6.3 If you would like to link to this Website, you may only do so on the basis that you link to, but do not replicate, the home page of this Website, and subject to the following conditions:

(a) you do not remove, distort or otherwise alter the size or appearance of the A.G.D. Media logo;

(b) you do not create a frame or any other browser or border environment around this Website;

(c) you do not in any way imply that A.G.D. Media is endorsing any products or services other than its own;

(d) you do not misinterpret your relationship with A.G.D. Media nor present any other misleading information about A.G.D. Media ;

(e) you do not otherwise use any A.G.D. Media trade marks displayed on this Website without express written permission from A.G.D. Media ;

(f) you do not link from a website that is not owned by you or your employer; and

(g) your website does not contain content that could reasonably be construed as distasteful, offensive or infringes any intellectual property rights or other rights of any other person or otherwise does not comply with all applicable laws and regulations.

6.4 A.G.D. Media expressly reserves the right to revoke the right granted in paragraph 6.3 for any breach of these General Terms of Use and to take any action it deems appropriate.

6.5 You shall fully indemnify A.G.D. Media for any loss or damage suffered by A.G.D. Media or any of its subsidiaries for breach of paragraph 6.3.

7. Registration

7.1 Each registration is for a single user only. A.G.D. Media does not permit you to share your user name and password with any other person nor with multiple users on a network.

7.2 Responsibility for the security of any passwords issued rests with you.

8. Disclaimer

8.1 The communication of information and service on the Website provided by either third parties or A.G.D. Media is not intended for distribution to, or use by, any person or entity in any jurisdiction or country where such distribution or use would be contrary to local law or regulation. In particular, the contents and/or subject matter of the Website does not constitute an offer of information, products or services, or offer to purchase or solicitation of insurance, to U.S. residents, or in any other jurisdictions where such an offer may be unlawful.

8.2 The Website and attached communications do not represent a prospectus or invitation in connection with any solicitation of capital. Nor does it constitute an offer to sell securities or insurance, a solicitation of an offer to buy securities or insurance, or a distribution of securities in the United States or to a U.S. person, or in any other jurisdiction where it is contrary to local law. Such persons should inform themselves about and observe any applicable legal requirement.

8.3 The information, including any insurance or financial related information, viewable by you on this Website is provided for information only and does not constitute an offer to (or the solicitation of an offer to purchase) insurance, nor does it constitute investment advice of any kind whatsoever.

8.4 While A.G.D. Media and its third party providers endeavour to ensure that the information on this Website is correct, A.G.D. Media and its third party providers do not warrant the accuracy and completeness of the material on this Website. A.G.D. Media may make changes to the material on this Website at any time without notice.

9. Warranty and Liability

9.1 This Website is provided “as is” for information purposes only and A.G.D. Media and its third party providers give no warranties of any kind either express or implied in respect thereof. Specifically, but without limitation, A.G.D. Media and its third party providers do not warrant that:

(a) you will be able to use this Website or that it will continue to be made available in its current or any other form;

(b) this Website or any or material of whatsoever nature available on or downloaded from it will be free from viruses or defects, compatible with your equipment or fit for any purpose.

9.2 It is your responsibility to use suitable anti-virus software on any material that you may download from this Website and to ensure the compatibility of such software or material with your equipment; or any content or information published on this Website is accurate or complete.

9.3 The editorial content of any other website to which you have gained access by means of any hyperlinks published on the Website remains the responsibility of the provider of that other website.

9.4 All warranties which would otherwise be implied by law are hereby excluded.

9.5 A.G.D. Media and its third party providers will not (subject only to the exclusion provision in paragraph 9.6) be liable to you, whether for negligence, breach of contract or otherwise, for any loss or damage of whatsoever nature suffered by you (including without limitation, direct loss or damage, indirect or consequential loss or damage, loss of goodwill, loss of business opportunity, loss of data or loss of profit), arising from:

(a) any computer virus or other bug transmitted through this Website;

(b) your use or inability to use this Website at any time and any failure by A.G.D. Media to provide this Website;

(c) your use of and/or reliance on other websites to which you have gained access by means of hyperlinks published on this Website;

(d) any inaccurate information published on this Website;

(e) your failure to comply with any law or regulation that is applicable to you; or

(f) your reliance on any information published on this Website.

You should note specifically that information might be published on this Website about insurance that may not be appropriate for your specific purposes or circumstances. If you are in any doubt as to who you should contact please refer to Contact Us.

9.6 Nothing in these General Terms of Use shall operate to exclude or restrict A.G.D. Media or its third party providers' liability for either fraud, or death or personal injury resulting from A.G.D. Media , its third party providers or their employees' negligence.

10. A.G.D. Media services does not involve giving advice

10.1 The services A.G.D. Media provides on the Website including those of its third party providers do not include, and do not purport to include giving advice of any kind whatsoever; providing, arranging, explaining, advising on or promoting investment products or life insurance of any type whatsoever; acting as insurance brokers or intermediaries, whether or not independent from any insurance provider; acting as agents of any kind for you or for any provider; providing brokerage or intermediary services of any kind whatsoever or assuming any of the duties of any such persons under any applicable legal system.

11. Enforcement

11.1 The failure by A.G.D. Media to enforce any term or condition of the General Terms of Use shall not be deemed as a waiver of the right to enforce such term or condition.

12. Jurisdiction

12.1 These General Terms of Use and all matters arising from or connected with them, are governed by and construed in accordance with the laws of England and Wales .

12.2 The courts of England have exclusive jurisdiction to settle any dispute, controversy or claim arising from or connected with these General Terms of Use including one regarding the existence, validity or termination of these General Terms of Use or the consequences of their nullity.