Thinc Group Ltd

Please read carefully the following Terms and Conditions. They apply to the Websites (as defined below), which are owned and operated by Thinc Group Ltd and, by accessing any of the Websites, you are agreeing to abide and be bound by such Terms and Conditions.

No charge is made for your use of the Websites (unless otherwise stated), although you should be aware that telephone call charges, at rates determined by your telephone operator, may apply.

In these Terms and Conditions the following terms shall have the meanings set out below:

"Page" means any page on a Website;

"Thinc Group Ltd" means Thinc Group (whose registered office is at Devonshire House, 60 Goswell Road, London EC1M 7AD), and all of the companies who are referred to as being operating companies are wholly owned subsidiaries. "Websites" means the websites with their home pages as set out below (and "Website" means any one of them):

www.thinc.com - published by Thinc Group Ltd

and any other site or web address owned or operated by a member of Thinc Group Ltd as may link to these Terms and Conditions from time to time.

You agree to abide by all applicable laws, regulations and codes of conduct and ensure that any content uploaded or distributed or stored by you does not infringe the rights of others.

All material on the Websites and any material sent to you by e-mail or any other form from the Websites (the "content") or in any way relating to the Websites belong to us. You may retrieve and display content from the Websites on a computer screen, print a single copy of individual pages on paper and store such pages for caching purposes only, all for your personal and non-commercial use alone.

We own the copyright and all other intellectual property rights associated with the content save where otherwise stated.

You may not do any of the following without prior written permission from us:

reproduce other than allowed under this Acceptable Use Policy, modify any of the content including research material distributed to you from our research department;
you may commercially exploit research material sent by our research department for use in your dealings with your end customers but you may not sell or let any person have copies of research materials except in the course of providing information to them as an insurance intermediary;
redistribute any of the content (including using it as part of any library, archive or similar service);
remove the copyright or trade mark notice(s) from any copies of content;
create a database in electronic or structured manual form by systematically downloading and storing all and any of the content.

You may not use our trademarks unless you are contracted to us as an insurance intermediary without our prior written permission and then only in accordance with the rights you have been granted. Other product and company names and logos mentioned or displayed in the Websites may be the trademarks, service marks or trading names of third parties.

In accessing the Websites, or any one of them, you agree not to:

impersonate another person or use a false name or a name you are unauthorised to use or create a false identity or e-mail address or try to mislead others as to the identity or origin of any communications;
modify, access or make available data stored on a computer device which you have accessed through our network;
make available or upload files that contain software or other material, data or information not owned or licensed to you or collect information about others (e.g. names/addresses) without their prior consent;
damage, interfere with or disrupt access to the Websites or do anything which may interrupt or impair their functionality;
make any commercial or business use of the Websites or resell or commercially benefit from any part or aspect of the Websites;
publish, post, distribute, disseminate or otherwise transmit defamatory, offensive, infringing, obscene, indecent or other unlawful or objectionable material or information;
threaten, harass, stalk, abuse, disrupt or otherwise violate the rights (including rights of privacy and publicity) of others;
make available, upload or distribute by any means any material or files that contain any viruses, bugs, corrupt data, "trojan horses", "worms" or any other harmful software;
falsify the true ownership of software or other material or information contained in files made available via the Websites;
obtain or attempt to obtain unauthorised access, through whatever means, to the Websites, other services or computer systems or areas of our or any of our partners' networks;
set up links from any website controlled by you to any Page, except to the home page of a particular Website, without our express written permission;
assist others to do any of the above.

We retain the absolute right to prevent you from accessing the Websites, without prejudice to any of our accrued rights, where we in our sole discretion consider it right to do so or we consider in our sole discretion that you are contravening our Acceptable Use Policy or any other term or condition of these Terms and Conditions.

Where any of the Websites (or Pages on any of the Websites) require that you register in order to use them, you are obliged to provide accurate and complete registration information. It is your responsibility to update and maintain any changes to that information (including your e-mail address) by altering your details as appropriate.

Registration is for a single user only. On registration, where required you must choose a user name and password. We do not allow any of the following:

any other person sharing your user name and password;
access through a single user name and password being made available to multiple users on a network.

We reserve the right to take such action as we in our sole discretion deem fit in respect of any electronic mail ("e-mail") which contains threatening, abusive, malicious, pornographic, obscene, defamatory or otherwise illegal or inappropriate material.

You agree that we have no control over third party content and information which can be accessed using the Websites and that we do not examine or edit the use to which you or others put the Websites or the nature of the content or information being accessed and that we are excluded from all liability of any kind arising from such content or information. You agree that except for death or personal injury arising through our negligence, to the fullest extent permitted by law, we exclude any liability whatsoever for any loss or damage arising from use of the Websites. You furthermore agree to indemnify us in the manner set out in clause 6 below in relation to your use of the Websites.

We take all such steps as are reasonably necessary to provide a fast and reliable website, but exclude to the fullest extent permitted by law any liability for the security of the services on the Websites or for any disruption of the Websites however caused, loss of or corruption of any material in transit, or loss of or corruption of material when downloaded onto any computer systems.

We provide access to the Websites on an "as is" basis and make no representations or warranties of any kind as to the Websites or the content. We make no representations or warranties about the accuracy, completeness or suitability for any purpose of the content published on the Websites. Any liability, however it occurs, for any such inaccuracies or errors are expressly excluded to the fullest extent permitted by law.

A person who is not a party to this Agreement may not exercise any rights under the Contracts (Rights of Third Parties) Act 1999.

You agree to indemnify and hold us and any of our officers, employees and agents harmless from and against all and any expenses, losses, liabilities, damages, costs or expenses incurred or suffered and any claims or legal proceedings which are brought or threatened, in each case arising from your use of, or conduct on, the Websites and/or a breach of the Acceptable Use Policy and/or any of these Terms and Conditions.

We are not responsible for any technical or other issues that may arise if you download software from an external third party website (e.g. Acrobat Reader) or upgrade your browser software to enhance your usage of the Websites.

We reserve the right to make changes to any part of the Websites. Due to our policy of updating and improving the Websites, it may therefore be necessary to change these Terms and Conditions.

If you use any of the Websites after we have published such changes, you will be agreeing to be bound by those changes. If you do not agree to be bound by them, you should not use the Websites.

The Websites may contain advertising and sponsorship. Advertisers and sponsors are responsible for ensuring that material submitted for inclusion on the Websites complies with applicable laws, codes and regulations. We exclude to the fullest extent permitted by law any responsibility for any error or inaccuracy appearing in any advertising or sponsorship material.

We do not allow third parties to use cookies if they advertise on our Websites and Pages. If you suspect or have reason to believe that an advertiser has used a cookie or any invisible processing in conjunction with an advertisement please let us know.

We may from time to time run competitions, free prize draws and/or other promotions on the Websites. These will be subject to additional terms and conditions that will be made known to you at the relevant time.

We may terminate the provision of any of the Websites or restrict your access to them without any prior notice to you where (by way of example and without limitation):

there is a regulatory or statutory change limiting our ability to provide a Website;
any event beyond our reasonable control prevents us from continuing to provide a Website; or
we consider in our sole discretion that it is necessary to do so or you are otherwise acting in breach of these Terms and Conditions.

From time to time we may provide services through the Websites and Pages however, the download time may vary considerably between the types of content and you agree that you are wholly liable and responsible for any telephone call and/or other charges incurred in downloading the same.

Your dealings with any third parties, in particular advertisers and/or merchants, via the Websites, and any terms or conditions agreed with, or representations given by, such third parties, are solely between you and such third party. You agree that we are not liable for such dealings, and you agree to indemnify us in the manner referred to in clause 6 above in relation to such dealings.

These Terms and Conditions shall be governed by and interpreted in accordance with the laws of England Wales and you irrevocably agree that the courts of England shall have exclusive jurisdiction to settle any dispute which may arise out of, under, or in connection with, these Terms and Conditions.

You may not assign, sub-license or otherwise transfer any of your rights under these Terms and Conditions. If any part of these Terms and Conditions is found to be invalid by any court having competent jurisdiction the validity of the remaining terms will be unaffected. If either party does not exercise any right or remedy under these Terms and Conditions, this will not be taken to mean that they have been waived.

If you have any queries concerning any part of these Terms and Conditions please contact us by email, using the address indicated in the Website to which your query relates.

This section contains an overview of privacy on these Websites for more detail you must review and read the Terms and Conditions in conjunction with our Privacy Policy.

We use Cookies on our websites and pages, primarily to help you navigate around the Websites. These are so-called session cookies and are temporary.