1. Totally Insured Group Ltd. (“TIG”) User Terms.
1.1 In accordance with the following user terms ('TIG User Terms'), the Independent Financial
Adviser ("TIG") listed at the top of these User Terms (whose details are available via this link)
grants to you as an authorised user ('you') of this site ('Web Site') certain rights (as set out
below) and in return you agree to perform certain obligations.
1.2 Totally Insured Group Ltd is regulated by the Financial Services Authority for Non-
investment and General business in the UK. If you wish to verify the authorisation of TIG you
may do so by conducting a free on-line search of the Financial Services Authority's Central
Register."
1.3 Please read these TIG User Terms carefully. They are a legal document and, by your
continued use of the Web Site, you agree to be bound by these TIG User Terms.
1.4 If you do not agree with these TIG User Terms and do not wish to be bound by them,
please exit this Web Site and do not use the Web Site in the future.
1.5 Any goods and services ("Merchandise") offered for sale by companies other than TIG
("Third Party Content Providers") via third party web sites linked to this Web Site are subject
to separate terms and conditions between you and the applicable Third Party Content
Provider. You acknowledge that the applicable Third Party Content Provider (and not TIG) is
solely responsible for the fulfilment of orders for any merchandise and for its quality,
suitability, and fitness for purpose. Any disputes or questions relating to the Merchandise
must be directed to the Third Party Content Provider in question and you acknowledge that
TIG shall have no responsibility, obligations or liability in relation to the Merchandise.
1.6 If you register for any competition offered by this Web Site, the competition rules set out
at Clause 8 below shall apply in addition to the remainder of these TIG User Terms.
2. Licence to Use Material on Web Site
2.1 TIG grants to you a personal, non-exclusive, non-transferable, royalty-free licence to use
all the material on the Web Site (including but not limited to: software, documentation, text,
pictures, sounds, graphics, articles, video or audio clips, and advertising material) ('TIG
Material') on the basis set out in Clause 2.2.
2.2 You are entitled to view, copy, print, access, download and transmit (for the purposes
expressly permitted in these TIG User Terms) and store the TIG Material for your own
personal, non-commercial use provided that you do not:
2.2.1 remove any notices relating to the ownership of copyright or other intellectual property
rights in the TIG Material;
2.2.2 modify, translate, reverse engineer, reproduce, decompile, disassemble (except as
expressly permitted by law) or create derivative works of any of the TIG Material;
2.2.3 rent, lease, sub-licence, loan, copy or give or transfer any rights in the TIG Material in
any form, to any person or entity without the prior written consent of TIG.
2.3 Any product, process or technology referred to in the TIG Material may be subject to other
intellectual property rights of TIG and are not made available hereunder.
3. Ownership of Intellectual Property Rights
3.1 Notwithstanding the limited rights granted to you in accordance with Clause 2, TIG or
other third parties which licence such material to the TIG, retain their ownership, title and
interest in the intellectual property rights contained in the TIG Material including but not
limited to copyright, database rights, trade marks, patents, service marks, design rights
(whether registerable or otherwise) know-how, trade or business names, domain names,
goodwill associated with any of the foregoing and other similar rights or obligations whether
registerable or not in any jurisdiction in the world.
3.2 You agree that any material (including any Intellectual Property Rights in such material),
including but not limited to material which may be sent via any chat services, bulletin boards,
competitions or articles submitted for publication or similar services offered via this Web Site
("Web Site Services") on the Web Site or in using any of the Web Site Services ("User
Generated Content") may be retained as the property of TIG. TIG shall have no obligations
with regard to the User Generated Content, or monitor the User Generated Content to ensure
that it complies with applicable laws or regulations. You remain solely responsible for the
User Generated Content in accordance with Clause 6.
3.3 TIG may have trademarks in its name. All other product names and company logos
mentioned in the information, documents or other items provided or available on this Web
Site may be the trademarks of their respective owners.
4. Duration of TIG User Terms and Termination
4.1 These TIG User Terms are binding upon you immediately. You accept them by your use
of this Web Site, and they will remain in force until the earlier of the following:
4.1.1 you breach any of the terms of the licence granted to you in accordance with Clause 2;
4.1.2 TIG terminates these TIG User Terms by notice to you at any time in accordance with
Clause 10.2; or
4.1.3 you terminate these TIG User Terms by notice to TIG at any time in accordance with
Clause 10.1.
4.2 In the event that these TIG User Terms are terminated for any of the reasons stated
above, you agree to comply with the following obligations:
4.2.1 the licence granted to you in accordance with Clause 2 shall be terminated forthwith
and you shall have no further rights to use the TIG Material;
4.2.2 you must delete or destroy any of the TIG Material stored by you in electronic or hard
copy form as soon as reasonably practicable; and
4.2.3 you will have no further rights to access or use the Web Site or the Web Site Services.
5. TIG's Responsibilities
5.1 TIG undertakes to use commercially reasonable endeavours to prevent breaches of
security of the Web Site.
5.2 TIG makes no representation or warranty that the Web Site or Web Site Services will be
accessible, or useable by you or error free. TIG uses reasonable efforts to include accurate
and up-to-date information on the Web Site. The information, documents or other items
provided or available on this Web Site could include technical inaccuracies or typographical
errors. TIG makes no warranties or representations as to its accuracy. TIG assumes no
liability or responsibility for any errors or omissions in the content on the Web Site.
5.3 TIG reserves the right, without notice to you, to remove any TIG Material from the Web
Site or to suspend or alter the operation of the Web Site or any Web Site Services, at its sole
discretion or for legal or technical reasons. TIG will give you as much notice as possible prior
to taking any of the actions described in this Clause, but prior notice may not always be
feasible for a variety of reasons. TIG may make improvements and/or changes to the
information or documents provided or available on this Web Site at any time.
6. Your Responsibilities
6.1 You agree that you are responsible for the security and use of any user names or
passwords needed to access or use the Web Site or any Web Site Services. You must take
all reasonable steps to ensure that these user names and passwords are kept confidential
and secure and you do not allow any unauthorised person to access the Web Site or any of
the Web Site Services using your user name or password.
6.2 You agree that you will not use the Web Site or any of the Web Site Services as follows:
6.2.1 to send, receive, upload, download, store, use, distribute or publish any material that is
offensive, abusive, indecent, defamatory, obscene, or in breach of any other person's
Intellectual Property Rights or breaches any obligation of confidentiality by which you are
bound;
6.2.2 to send or distribute multiple unsolicited emails or messages ('Spam') or to cause any
other person annoyance, inconvenience or worry;
6.2.3 for any purposes connected to any business, including sending any unsolicited
advertisements or promotional material.
6.3 You agree to indemnify TIG against any claims, costs, expenses or legal proceedings
caused as a result of your use of the Web Site or Web Site Services in contravention of
Clauses 6.1 and 6.2. Further, in these circumstances, TIG shall be entitled to treat the
contravention as a material breach of these TIG User Terms and terminate the TIG User
Terms and any access permission granted to you by TIG forthwith, without notice to you.
7. Consent to Use of Your Personal Information
For the purposes of the Date Protection Act 1998, you acknowledge that in the course of
registering and using this Web Site and the Web Site Services, certain personal information
or data about you will be captured electronically or otherwise and transmitted to TIG. By
accepting these TIG User Terms, you expressly agree to transfer such personal information
or data to TIG to use, store and process the personal information in accordance with the
provisions set out in the TIG Privacy Policy.
8. Competition Rules
8.1 All competitions offered by TIG from this Web Site ("Competitions") are only open to
United Kingdom residents who are aged 18 or over ("Entrant").
8.2 All entrants must register for the relevant Competition by giving their correct name and
address in the United Kingdom, together with their e-mail address. By registering for the
relevant competition, you acknowledge that you have read and agree to the provisions
contained in Clause 7 above and the TIG Privacy Policy, regarding consent to use your
personal information.
8.3 By registering for any Competition you accept these Competition rules (together with any
rules relating to a particular Competition posted on the Web Site by TIG) ("Competition
Rules"). You also agree to allow your name to be published on the Web Site if you are a prize
winner.
8.4 Prizes are as stated in the competition details on the Web Site. TIG will not offer cash
alternatives to prizes offered. Prizes are allocated randomly from correct entries received. The
Judge's decision is final and no correspondence will be entered into. Winners will be notified
by post or e-mail after the closing date given for the Competition, when TIG will give details of
how and when you can claim your prize. Although every effort will be made to supply the
prizes stated, TIG cannot guarantee that the particular prizes will be available and an
equivalent prize may therefore be offered.
8.5 No responsibility can be accepted by TIG for any delayed, lost or misplaced entries, and
incomplete or illegible entries will be disregarded.
8.6 A full list of prize winners and Competition Rules is available from the TIG in accordance
with Clause 10.1.
9. Disclaimers
9.1 You accept that it is reasonable that, to the maximum extent permitted by law, all
representations, conditions, warranties and other terms whether implied by statute, common
law, course of dealing or otherwise are excluded.
9.2 Nothing in these Terms of Use limits TIG's liability to you for death or personal liability
caused by TIG's negligence.
9.3 TIG hereby disclaims any liability to any person for any kind of loss or damage including,
but not limited to, any special, incidental, indirect or consequential loss or damages caused
by errors or omissions in the information or other items provided or available herein, whether
such errors or omissions result from negligence, accident or any other cause.
9.4 This Web Site may contain links to third party web sites which are controlled and
operated by parties other than TIG ("Third Party Consent Providers"). The links will let you
leave the Web Site and TIG is not responsible for any contents of any linked web site or any
link contained in a linked web site. The inclusion of any link on the web site does not imply
endorsement by TIG of the linked web site or products or services offered via the linked web
site. If you decide to access linked third party web sites, you do so entirely at your own risk.
TIG is providing these links only as a convenience, and the inclusion of any links does not
imply endorsement by TIG of the web site or its contents.
10. Notices
10.1 You may send a legal notice to TIG, or any questions you may have concerning these
TIG User Terms by contacting TIG via this link. Such notices will be effective within 3 days of
receipt by TIG.
10.2 TIG may send you notice by general notice on this Web Site, by e-mail to your e-mail
address on record with TIG, or by post to the geographical address on record with TIG. Such
notice will be effective if sent by e-mail or posted on the Web Site, 1 day from the date it was
sent or posted on the Web Site. If sent by regular post, it will be effective 3 days after posting
by TIG.
11. General
11.1 TIG reserves the right to add to or change the terms of these TIG User Terms in its sole
discretion without prior notice to you. All changes to the TIG User Terms will be effective once
posted on the Web Site. TIG will provide notice of the changes to the TIG User Terms for a
reasonable time after posting the amended TIG User Terms on the Web Site. Your continued
use of the Web Site or the Web Site Services following TIG's posting of such changes will be
regarded by TIG as acceptance of the amended TIG User Terms. If you do not agree to be
bound by the amended TIG User Terms you should exit the Web Site and not access or use
the Web Site in the future.
11.2 If any part of these TIG User Terms are held by a court of competent jurisdiction to be
unenforceable, the validity of the remainder of these TIG User Terms will not be affected.
11.3 If TIG is unable to perform any obligation under these TIG User Terms because of a
matter beyond its reasonable control (including but not limited to); fire, flood, war, explosion,
civil disorder, or other disasters or governmental laws or regulations imposed after the fact, or
events beyond the reasonable control of TIG, TIG will have no liability for that failure to
perform.
11.4 Any person who is not a party to this Agreement has no right under the Contracts
(Rights of Third Parties) Act 1999 to enforce any term of this Agreement but this does not
affect any right or remedy of a third party which exists or is available apart from that Act.
11.5 Unless otherwise specified on this Web Site, the TIG Materials available on this Web
Site are directed solely at those who access the Web Site from the United Kingdom. TIG
makes no representation that any TIG Material is appropriate for use elsewhere, or available
in other locations. Those who choose to access this Web Site and the Web Site Services
from any other location are solely responsible for compliance with local laws and regulations
if, and to the extent, that they are applicable.
11.6 These TIG User Terms are governed by the laws of England, and subject to the non-
exclusive jurisdiction of the English Courts.

Click here to contact us if you have a question about our terms or policy.