Conditions of use
Please read these Conditions of Use carefully. By accessing this website you agree to be bound by these Conditions of Use. If you do not agree do not access this site.

Content
MSL Legal Expenses Limited (“MSL”) is providing this site on an “as is” basis and makes no representations or warranties of any kind with respect to this site or its contents and disclaims all such representations and warranties. In addition, MSL makes no representations or warranties about the accuracy, completeness, or suitability for any purpose of the information and related graphics published on this site. The information contained on this site may contain technical inaccuracies or typographical errors. All liability of MSL howsoever arising (whether in contract, tort or negligence) for any such inaccuracies or errors is expressly excluded to the fullest extent permitted by law.

This website is operated and maintained in the United Kingdom (“UK”) and is therefore published from a UK perspective. MSL is not publishing the website for use in any jurisdiction where such publication or use is unlawful.

Regulation of general insurance sales and administration
In January 2003 HM Treasury announced that the powers of the Financial Services Authority (“FSA”) would be extended to include the regulation of general insurance sales and administration, and this came into effect on the 14 January 2005. With effect from 1 April 2013 the FSA separated into two regulators, the Financial Conduct Authority (“FCA”) and the Prudential Regulation Authority (“PRA”).

MSL Legal Expenses Limited is authorised and regulated by the Financial Conduct Authority. Firm reference number 311676.

Financial & Legal Insurance Company Limited is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Firm reference number 202915.

Permitted business is advising, arranging, dealing in, and the administration and performance of non-investment insurance contracts.

You can check this on the Financial Services Register www.fsa.gov.uk/register or by contacting the FCA on 0800 111 6768.

Access to the site
We will use reasonable efforts to make our site and its content available to users, however, we do not warrant or represent that access to this site will be uninterrupted, reliable or fault free.

We reserve the right in our sole discretion to deny users access to our site or any part of it without notice and to decline to provide the service to any user that is in breach of these conditions.

No damage arising from use
To the fullest extent permitted by law, neither MSL nor any of its directors, employees or agents will be liable for damages arising out of or in connection with the use of this site, the information in it or the unavailability of the site or its content. This is a comprehensive limitation of liability that applies to all damages of any kind, including (without limitation) compensatory, direct, indirect or consequential damages, loss of data, income or profit, loss of or damage to property and third party claims, save that nothing shall exclude or restrict liability for death or personal injury resulting from the negligence of MSL, its directors and employees.

Alterations
MSL reserves the right at any time without notice to revise the contents of this site including these Conditions. Any changes to these Conditions will be posted on this site and by continuing to use this site following any such change you will signify that you agree to be bound by the revised Conditions.

Copyright
All rights in the design, text, graphics and other materials on the site and the selection or arrangement thereof are the copyright of MSL or other third parties. Permission is granted to copy electronically and print in hard copy portions of this site solely for your own personal use. Any other use of materials on this site (including reproduction for purposes other than those noted above and alteration, modification, distribution, or republication) without the prior written permission of MSL is strictly prohibited.
Images included on this website cannot be downloaded for any use other than personal. Republications, retransmission, reproduction or any other of the images is prohibited.

Trademarks
All trademarks, product names and company names or logos cited herein are the property of MSL or their respective owners.

No permission is given by MSL in respect of the use of any such trademarks, get-up, product names, company names, logos or titles and such use may constitute an infringement of the holder’s rights.

Privacy Policy
You agree to the use of any personal data we may hold about you in accordance with the terms of our Privacy Policy.

Force majeure
We shall not be liable to users for any breach of these conditions of use or any failure to provide or delay in providing our services through our site resulting from any event or circumstance beyond our reasonable control including, without limitation, strikes, lock-outs and other industrial disputes, breakdown of systems or network access, fire explosion or accident.

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