	Travelers Syndicate Management Ltd.

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Legal Notices

Version 5, last updated 4 February 2008

This page sets out the terms and conditions under which Travelers Syndicate Management Limited and its affiliates provide the information on the travelers.co.uk/lloyds (the "Website"), as well as the terms and conditions governing your use of the Website and to any email correspondence between you and Travelers Group. Any reference in these terms and conditions to “we”, “us”, “our” or the “TravelersGroup" means all and/or any of Travelers Syndicate Management Limited and its affiliates. Any reference to "you" or "your" means you, the user. By making use of the Website, you agree to be bound by these terms and conditions. If you do not accept these terms and conditions, do not continue to use the Website.

Affirmation
By accessing and using the Website, you agree that you have read and understood these terms and conditions and that you agree to be bound by them. We reserve the right to change these terms and conditions or policies regarding the use of the Website at any time and to notify you by posting an updated version of the terms and conditions or policies on the Website. Your continued use of the Website following the posting of such changes signifies your acceptance of those changes.

Service Access
Whilst the Travelers Group endeavours to ensure that the Website is normally available 24 hours a day, the Travelers Group will not be liable if for any reason any of the Website is unavailable at any time or for any period. Access to the Website may be suspended temporarily and without notice in the case of system failure, maintenance or repair, or for reasons beyond the Travelers Group's control.

Secure Username/Password Use
If you have been assigned a secure username for access to restricted sections of the Website (a "Secure Username"), you are responsible for all activities executed under your Secure Username and are the only one who may use it. To meet this responsibility, you agree to keep your Secure Username confidential. Allowing another person to use your Secure Username and its associated passwords, using a Secure Username and password assigned to another person, or attempting to gain access to resources for which you are not authorised is a serious breach of security.

Secure Username Administrators
If you are an administrator and you set up extra Secure Usernames, you agree that you will select Secure Usernames, that you are responsible for all activities executed under such Secure Usernames and that you will procure that the users of those Secure Usernames agree to these terms and conditions. You agree that you are responsible for the security of such Secure Usernames and that you will deactivate the Secure Usernames of your employees or agents who should no longer have access and of those persons whose employment or service has been terminated. The Travelers Group shall have no liability for the use or misuse of such Secure Usernames.

Downloading sensitive information from the Website
If you download information from secure areas of the Website and use that information otherwise than in accordance with any restrictions of use notified to you, you hereby agree to indemnify the Travelers Group against any loss or damage incurred by the Travelers Group (including without limitation any legal fees) arising directly or indirectly from your non-authorised use of any such information.

Unauthorised Access
The information held on the restricted areas of the Website is CONFIDENTIAL and PRIVATE PROPERTY. Access to such information is only authorised for authorised users of the restricted areas of the Website accessing information in accordance with these terms and conditions. Unauthorised access contravenes the Computer Misuse Act 1990 and may incur criminal penalties and damages. YOU ARE ONLY PERMITTED ACCESS TO RESTRICTED SECTIONS OF THE WEBSITE IF YOU ARE AN AUTHORISED USER.

Accuracy of Information
The Website contain a large volume of complex information. Although the Travelers Group has internal procedures in place to check the accuracy of the Website, the Travelers Group has not reviewed all of the content on the Website and the Travelers Group cannot guarantee the accuracy of information. The Travelers Group excludes all express or implied conditions, warranties and other terms, including without limitation, any relating to the accuracy, completeness, timeliness or otherwise of the Website. If you discover an error on the Website, please send us a message via our Contact Us page.

The information on the Website may be changed or updated without notice. The Travelers Group may also make improvements and/or changes in the products, services and/or programs described on the Website at any time without notice.

It is up to you to take precautions to ensure that whatever information you select for your use on the Website is free of such items as viruses, worms, trojan horses, malicious codes and other items of a destructive nature.

Copyright and Proprietary Notice
All intellectual property rights in the Website (including without limitation all copyrights and trade marks) are owned by or licensed to the Travelers Group. Note in particular that “Populus", "Pro-Medica", "Scriptor", "Techsure","Saint Paul", "St Paul", "Travelers",“St. Paul Travelers”, "St Paul Re", "The Saint Paul" and "The St Paul", are our registered trade marks. All rights are reserved.

You may cite or refer to the information on the Website and make copies of the information for your own use provided that all copyright and other proprietary notices are retained. When you cite or refer to that information, you do not obtain any ownership rights in that information. You may not reproduce (in whole or in part), modify or use for any commercial purpose any of the information on the Website without obtaining our prior written permission. To request such permission, send a message via our Contact Us page. Please include your name, address and telephone number, and a description of the intended extent, purpose and distribution of your copying.

Hypertext Links
You may note that the Website provide hypertext links to other sites created by other organisations.

Links to other sites are provided as a free service. Because those other sites are not under our control, we cannot guarantee the quality, accuracy or performance of those sites. Nor is our connection to those sites an endorsement or adoption of the views expressed or of the products and services sold or advertised on those sites. Questions about the content of those sites should be directed to their authors. Please note that under no circumstances will we be held responsible or liable, directly or indirectly, for any loss or damage that is caused or alleged to have been caused to you in connection with your use of, or reliance on, any content, goods or services available on any of those other sites.

If you would like to provide a hypertext link from your site to the Website, please request our permission before doing so. To request such permission, send a message via our Contact Us page. Please include your name, address and telephone number, a description of your site and the reason why you would like to establish a link to this site.

If you do include a hypertext link from your site to the Website, you hereby agree to indemnify the Travelers Group against any loss or damage incurred by the Travelers Group (including without limitation any legal fees) arising directly or indirectly as a result of including such hypertext link on your site. In addition, we reserve the right to withdraw any permission granted by us, whether express or implied, and to require termination of any such link to the Website, at our discretion at any time.

Your Conduct
You may not misuse the Website (including, without limitation, by hacking). You are prohibited from posting or transmitting to or from the Website any information:

(a) that is threatening, defamatory, obscene, indecent, seditious, offensive, pornographic, abusive, liable to incite racial hatred, discriminatory, menacing, scandalous, inflammatory, blasphemous, in breach of confidence, in breach of privacy or which may cause annoyance or inconvenience; or

(b) for which you have not obtained all necessary licences and/or approvals; or

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

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

The Travelers Group will fully cooperate with any law enforcement authorities or court order requesting or directing the St. Paul Travelers Group to disclose the identity or locate anyone posting any information in breach of (a) to (d) above.

Products and Services
Please note that except where specified none of the information contained in the Website should be viewed as an offer to sell or as a solicitation to purchase any of our products or services. Rather, The information on our products and services is provided to you so that you can learn what products the Travelers Group generally offers. Insurance coverage statements on the Website are for general description purposes only. The Website do not amend, modify or supplement the policies. Furthermore, not all insurance coverages are available in every state or country. Consult the actual policy or send us a message via our Contact Us page for the name of an agent who can supply you with details regarding terms, conditions, coverages, exclusions, products, and services.

Disclaimer
The Travelers Group, any other party (whether or not involved in creating, producing, maintaining or delivering the Website) and any of the Travelers Group and the officers, directors, employees, shareholders or agents of any of them exclude all liability and responsibility for any amount or kind of loss or damage that may result to you or a third party including without limitation, any direct, indirect, punitive or consequential loss or damage, or any loss of income, profits, goodwill, data, contracts, use of money, or loss or damage arising from or connected in any way to business interruption and whether in tort (including without limitation, negligence) contract or otherwise in connection with the Website in any way or in connection with the use, inability to use, or the results of use of the Website, any sites linked to the Website, or the information on such sites, including but not limited to loss or damage due to viruses that may affect your computer equipment, software, data or other property on account of your access to, use of, or browsing of the Website, or your downloading of any information from the Website or any Website linked to the sites.

Nothing in these terms and conditions shall exclude or limit the Travelers Group's liability for (i) death or personal injury caused by negligence; (ii) the tort of deceit; or (iii) any liability which cannot be excluded or limited under applicable law.

Professional Advice
The information provided on the Website is distributed with the understanding that the Travelers Group is not providing professional advice of any type. If you have a question requiring professional advice, such as a question relating to law, tax or financial planning, please seek the advice of a qualified professional in the relevant field.

Enforceability of these provisions
Should any of these terms and conditions be held invalid, that invalid provision shall be construed to be consistent with the applicable law, and in a manner so as to remain consistent with the original intent. Provisions not otherwise held invalid shall remain in force.

Data protection
The Travelers Group may collect certain information about you and/or individuals within or connected to your organisation ("data subjects") in the course of your use of the Website and in conducting our relationship with you. This information will be processed for the purposes of providing information to you, advising you and otherwise as is appropriate in the context of our relationship with you. We may pass your information on to loss adjusters, claims handlers, reinsurers, our agents and regulatory authorities for these purposes. This may involve the transfer of your information to countries which do not have data protection laws.

You may have a right of access to, and correction of, information that we hold about you. Please contact us at 60 Gracechurch Street, London, EC3V 0HR, if you would like to exercise either of these rights.

Some of the information we collect about you may be classified as "sensitive" - that is, information about physical or mental health, convictions, sentences, alleged criminal activities or trade union membership. Data protection laws impose specific conditions in relation to sensitive information, including in some circumstances the need to obtain your explicit consent before we process the information.

You consent to the processing and transfer of information, including sensitive information, described in these terms and conditions.

If you provide us with personal information relating to third parties, you will, through your direct contact with the data subjects, take all steps necessary to legitimise your processing of their personal information as described in these terms and conditions (including by obtaining consent of the data subject to processing, in particular explicit consent to the processing of their sensitive personal information), to provide information to the data subjects to ensure fair processing of their information (including information as to our name and address, your disclosure of information to us for the purposes as described above, our possible further disclosure of information as necessary for the purposes described above, and the data subject's rights of access and correction as described above) and otherwise to ensure the fairness and lawfulness of all processing of personal information relating to the data subject. By providing the Travelers Group with any personal information originating from a third party data subject, you confirm that you have taken and completed these steps.

Marketing consents
By using the Website, you consent to the Travelers Group processing your personal data for the Travelers Group's own direct marketing purposes. If you do not wish your personal information to be processed by the Travelers Group for direct marketing purposes, you may opt out of such processing by contacting us via our Contact Us page.

Complaints Procedure
If you have a complaint relating to the insurance and you remain dissatisfied, you should in the first instance write to your scheme administrator or insurance broker at the address they provide to you.

If you remain dissatisfied, you should contact the Lloyd’s Complaints and Advisory Department at One Lime Street, London EC3M 7HA.

If you remain unhappy with the way your complaint has been handled, you may refer it to:

Financial Ombudsman Service, South Quay Plaza Marsh Wall, London E14 9SR. Telephone 020 7964 1000.

Regulatory Details
Travelers Syndicate Management Limited is a company incorporated in England and Wales with company number 3207530 whose registered office address is at 60, Gracechurch Street, London EC3V 0HR.

Termination
We will be entitled to immediately terminate your use of the Website if we consider that you have failed to comply with any of these terms and conditions.

General
Our failure to exercise or enforce any right or provision of these terms and conditions shall not constitute a waiver of such right or provision unless acknowledged and agreed by us in writing. You are not entitled to assign all or any of your rights or obligations under these terms and conditions. The section titles in these terms and conditions are solely used for your and our convenience and have no legal or contractual significance.

Governing Law and Jurisdiction
These terms and conditions and any dispute arising hereunder shall be governed by and construed in accordance with English law. Disputes arising in connection with the terms and conditions, including without limitation, any disputes arising through your use of the Website, shall be subject to the exclusive jurisdiction of the English courts.

Terms and conditions
To obtain access to our secure online services you must first agree to these Terms and Conditions and click on "Accept" after clicking on the "Login" button.

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