LEGAL NOTICES

TERMS AND CONDITIONS OF USE

Acceptance of Terms

Please note that the use of this Site is subject to the StarStone Group of Companies (“The Company”) terms and conditions as set out below. The Company reserves the right to vary these terms and conditions at any time. You should therefore read these terms and conditions each time you intend to use this Site. Using or continuing to use this Site will constitute acceptance of these terms and conditions as varied from time to time. If you do not wish to be bound by these terms and conditions, you may not continue to use or access the Site.

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You may be viewing the material in a jurisdiction or market in which The Company does not operate. The Company cannot be held responsible for non-compliance with any local advertising laws in relation to the material on this Site.

The distribution of information on the Site may be restricted by local law or regulation in certain jurisdictions. This information is not intended for distribution to, or use by, any person or entity in such jurisdictions and persons accessing these pages should inform themselves about and observe any such restrictions. If you are in any doubt as to whether this Site can be lawfully used by you please discontinue use immediately.

Disclaimer and Limitation of Liability

The StarStone Group website (Site) is provided for your information by StarStone, which is a trademark of the Enstar group of companies (Enstar).

The products and services descriptions included on this Site are for the sole purpose of providing a reference tool concerning the nature and type of products and services available from The Company. The information is not intended to be, nor should be, relied upon by customers or by potential customers. To the fullest extent permitted by applicable laws, The Company makes no representations, guarantees or warranties about the suitability of the information contained in the documents and related graphics (material) on this Site for any purpose. All such material is subject to change without notice and provided “as is” without any guarantee of completeness, accuracy or timeliness and any warranty of any kind, express or implied, including, without limitation, the implied warranty of fitness for a particular purpose. Any opinions and estimates expressed reflect our judgment at this date and are also subject to change without notice.

In no event shall The Company be liable for any direct, indirect, consequential, special, exemplary, punitive, or other damages whatsoever, including without limitation, damages for loss of business profits, business interruption or loss of business information, even if The Company has been advised of the possibility of such damages resulting from the use of this Site. To the fullest extent permitted by law, The Company also assumes no responsibility, and shall not be liable for, any damages to, or viruses or other malicious code, that may infect, your computer equipment or other property as a result of your access to, use of, or browsing of this Site or downloading of any material, data, text, images, video, or audio from this Site.

The information made available on this Site is not intended to and does not constitute an invitation or inducement to enter into or offer to enter into any agreement in respect of any products or services provided by The Company (or any other company). In addition any products or services mentioned on this Site may be varied or discontinued at any time and without notice.

The Company is not liable for any offensive or illegal conduct of any Site visitor. The Company also makes no warranty that the Site is free from infection by viruses or anything else that has contaminating or destructive properties, that its functions will be uninterrupted or non-infringing, or that any such defects will be corrected.

Indemnification

You agree to indemnify, defend and hold harmless The Company and its affiliates from and against any and all losses, liabilities, expenses, damages, and costs, including reasonable attorneys’ fees and court costs, arising out of or resulting from your use of this Site or any violations of these Terms of Use. If you cause a technical disruption to the Site or the systems transmitting the Site to you or others, you agree to be responsible for any and all losses, liabilities, expenses, damages, and costs, including reasonable attorneys’ fees and court costs, arising out of or resulting from that disruption. This indemnity is in addition to, and not exclusive of, any other indemnity.

Access To This Site

The Company may at any time in its sole discretion and without notice, discontinue, remove and/or discard the Site or any content within the Site for any reason. Access to this Site is permitted on a temporary basis. The Company will not be liable if for any reason this Site is unavailable at any time or for any period.

You are responsible for making all arrangements necessary for you to have access to the Site. You are also responsible for ensuring that all persons who access the Site through your internet connection are aware of these terms, and that they comply with them.

Web Site Links

Some pages on this Site contain hypertext links to web sites not owned or maintained by The Company. You are reminded that when you enter other web sites via such hypertext links, you will not be subject to these terms and conditions and you will not benefit from the protection afforded to you in using The Company Site. Hypertext links are provided only for your convenience and do not suggest, and should not be viewed as suggesting, any association with or endorsement of or by such linked web sites. We do not accept any liability for any information, products, advertisements, content, services, or software accessible through such third party websites or any action you take as a result of linking to any such website. We recommend that you carefully read the privacy policies and user agreements of any such site, as those policies and agreements will solely govern your use of the site.

You may establish a link to the home page of this Site, provided you do so in a way that is fair and legal and does not damage The Company’s reputation or take advantage of it, but you must not establish a link in such a way as to suggest any form of association, approval or endorsement on The Company’s part where none exists. You must not establish a link from any website that is not owned by you.

This Site must not be framed on any other site, nor may you create a link to any part of this Site other than the home page. The Company reserves the right to withdraw linking permission without notice.

Personal Information

The Company will treat any personal information sent to us when you access the Site, or contact us, in accordance with our own strict privacy standards, which comply with relevant UK and European data protection legislation currently in force.

Any personal information received by us will only be used for correspondence and to send you information requested or for other purposes you have specifically requested. No personal information will be passed to third parties or used for any direct marketing purposes, except to the extent such disclosure is required by law or is in compliance with any legal or regulatory process.

Please be aware that your information may be processed, stored and/or transferred outside your home country in jurisdictions in which the data protection and privacy laws may not offer the same level of protection as those in the country where you reside or are a citizen. The Company does value privacy and will ensure an adequate level of data protection. By using this Site and providing your information to The Company you accept processing, storage and transfer of your information outside of your home country.

Law and Jurisdiction

All material on this Site is designed to comply with English law. The material is primarily directed to users in the UK and USA and other countries in which we do business. When you use the Site, you accept that your use of the Site and any information on the Site, will also be governed by English law and if any dispute arises from your use of the Site or any of the information on it, you agree to submit to the exclusive jurisdiction of the English courts.

Products described in this Site are only available in the jurisdictions where The Company are licensed or authorised by local law or regulation. More detailed information on licensing and authorisation can be obtained by writing to us at compliance@starstone.com.

Proprietary Rights

The Company, or our subsidiaries, are the owner or the licensee of all intellectual property rights in our Site, and in the material published on it. The design of this Site, and information contained within it are the property of The Company and are protected by copyright, trademark and other intellectual property and proprietary rights. All such rights are reserved.

This Site may be viewed and its contents downloaded by you for your own or your company’s internal use. The Site and its contents may not be displayed, modified, transmitted, reproduced, copied, licensed, sold, broadcast, published or distributed in whole or in part in any manner without the prior written consent of The Company.

Severability

To the extent that any part of these terms of use is found to be invalid unlawful or unenforceable by any court of competent jurisdiction, then the relevant part shall be deemed to be modified to the extent required to make it valid lawful or enforceable (or shall if necessary be severed from the remaining provisions) and all other provisions shall be unaffected and shall remain in full force and effect.

Cookies

The Company may collect information submitted voluntarily through “cookies”. A cookie is data sent to your Internet browser from a web server and stored on your computer which may be used to store and sometimes track your preferences in order to provide you with customized and personalized services. Cookies may make it easier to use the Site and other websites by storing passwords and preferences. There are different kind of Cookies, called Session cookies or Persistent Cookies. Session cookies enable you to move from page to page within The Company’s Site and any information you enter to be remembered. A session cookie is deleted when you close your browser or after a short time. Persistent cookies allow The Company’s Site to remember your preferences and settings when you visit The Company’s Site in the future. Persistent cookies expire after a set period of time (please see StarStone´s Cookies Policy).

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Cookies are generally used to:

• enhance the performance of a website by collecting information about how visitors use it (e.g. which pages are being visited the most). The information these cookies collect is not used to send you targeted advertising or remember where you’ve been on the internet;
• increase the website’s functionality and make it more personal to you by allowing The Company to remember your previous choices. The information these cookies collect is not used to send you targeted advertising or remember where you’ve been on the internet;
• allow certain tools to work, provide anti-spam measures and access to age restricted content, and;
• allow some third-party suppliers to deliver the services that they are providing for the Site on our behalf.

By continuing to use the Site, you acknowledge that The Company uses cookies for these purposes. For more detail, please refer to StarStone´s Cookies Policy.

Cookies are used by most websites. You can adjust your browser settings to refuse all cookies or to inform you when a cookie is being placed onto your computer. Any decision not to accept cookies may diminish your experience with websites because of the additional time needed to repeatedly enter personal identifying information.

Employers Liability Insurance

Employers liability register

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• From 1 April 2011 we have been required under PRA rules to keep a register of Employers’ Liability Insurance that The Company have provided to help claimants trace the relevant insurer. The Company fulfils this requirement through the Employers’ Liability Tracing Office (ELTO).
• Records for The Company can be found on the ELTO website.
• StarStone Insurance SE (SISE) does not underwrite any stand-alone employers’ liability insurance. SISE may have potential liability for employers’ liability insurance under packaged products, where UK commercial lines employers’ liability cover has been provided at levels in excess of £5 million as part of a broader policy. The Company is not required to make details of those policies available in the register under the Financial Conduct Authority rules; the responsibility for making information available in relation to the policy providing the principal cover is with the principal insurer.
• If you believe you may have a commercial employers’ liability policy for which excess coverage has been provided by SISE, then please e-mail your enquiry to feedback@starstone.com.