This policy sets out the terms between you and us under which you may access and use our website https://individual.canprotect.co.uk (the "website"). This policy applies to all users of, and visitors to, our website.
"We" or "us" means UnderwriteMe Limited acting on behalf of Canada Life Limited
When we refer to "you" or "your", we mean:
has in each case entered into an Intermediation Services Agreement with us relating to the provision of insurance intermediation services (and thereby to use this website), and who has been granted authorisation (by that organisation, where an employee; or by us, where a self-employed adviser) to access and use this website.
In the case of an employee, your use of this website means that:
Accessing the website
In the case of an organisation, access to the website is permitted to certain of your employer's users who will be authorised by your employer to access the website, using the account login details provided by your employer. In the case of a self-employed adviser, you will be permitted access to the website using account details provided by us.
We reserve the right to withdraw or restrict access for general maintenance purposes, or where reasonably required for legal or regulatory purposes. We will give you notice of any planned downtime or interruption. We may also restrict or withdraw any user's access to our website at our discretion.
Accuracy of data
Please note that we will not, and that it will be your responsibility to, check and ensure that any data or information you upload to the website is complete, accurate (and, where necessary, up-to-date).
You agree that we will be entitled to rely on the accuracy of any data or information you upload, and you agree that we will not be responsible for any errors arising from such reliance, save where we have, in advance of such reliance, been notified of the error by you (which you agree to do as soon as possible).
You may use this website only for lawful purposes. You may not use this website:
You also agree:
Uploading content to the website
Any content (including any personal data) which you upload to our website is non-proprietary. As between us and your employer, your employer will retain all of its ownership rights in this content, but by uploading such content you grant to us on behalf of your employer a non-exclusive, perpetual, royalty-free, sub-licenseable licence to use such content (and any intellectual property rights in it) for the purposes of providing insurance intermediation services (including as set out in our DPA Policy).
These content standards apply to any and all material (including any personal data) which you upload to the website.
Any material you upload must:
Any material you upload must not:
Viruses, hacking and other offences
We will take all reasonable care to ensure that the website will be secure and free from bugs or viruses.
You are responsible for configuring your information technology, computer programmes and platform in order to access the website. You should use your own virus protection software. You must not misuse the website by knowingly introducing viruses, trojans, worms, logic bombs or other material which is malicious or technologically harmful. You must not attempt to gain unauthorised access to the website, the server on which the website is stored, or any server, computer or database connected to the website. You must not attack the website via a denial-of-service attack or a distributed denial-of service attack.
By engaging in any of the actions set out in the paragraph above, you would commit a criminal offence under the Computer Misuse Act 1990. We will report any such breach to the relevant law enforcement authorities and we will co-operate with those authorities by disclosing your identity to them. In the event of such a breach, your right to use the website will cease immediately.
We will not be liable for any loss or damage caused by a distributed denial-of-service attack, viruses or other technologically harmful material that may infect your computer equipment, computer programs, data or other proprietary material due to your use of the website or to your downloading of any material posted on it, or on any website linked to it.
Intellectual property rights
The Canada Life name and logo cannot be copied or used without our express prior written consent. UnderwriteMe are the owner or the licensee of all other intellectual property rights in this website, and in the material published on it. Those works are protected by copyright laws and treaties around the world. All such rights are reserved.
Paragraph 6 (Limitation of Liability) of Appendix 1: General Terms and Conditions attached to the Intermediation Services Agreement shall apply.
Nothing in this policy excludes or limits our liability for death or personal injury arising from our negligence, or our fraud or fraudulent misrepresentation, or any other liability that cannot be excluded or limited by English law.
Suspension and termination
We will determine, in our discretion, whether there has been a breach of this policy through your use of the website. When a breach of this policy has occurred, we may take such action as we deem appropriate.
Failure to comply with this policy may result in our taking all or any of the following actions:
We exclude liability for actions taken in response to breaches of this policy. The responses described in this policy are not limited, and we may take any other action we reasonably deem appropriate.
Linking to the website
You may establish a link on your employer's website for the purpose of directing authorised users of our website to the website. You must not establish a link on any website that is not owned by you.
Links from the website
Where the website contains links to other sites and resources provided by other parties, these links are provided for your information only. We have no control over the content of those sites or resources, and accept no responsibility for them or any loss or damage that may arise from your use of them.
Changes to this policy
We may revise this policy at any time by amending this page. You are expected to check this page from time to time to take notice of any changes we make, as they are legally binding on you. Some of the provisions contained in this policy may also be superseded by provisions or notices published elsewhere on the website.
Jurisdiction and applicable law
The English courts will have exclusive jurisdiction over any claim arising from, or related to, this policy and our DPA Policy. These terms are governed by English law.