Throughout this document the singular shall mean the plural and vice versa.
The www.kingswayriskmanagement.co.uk website is comprised of various websites and web pages operated by Kingsway Risk Management or its affiliates (collectively, the "Kingsway Risk Management websites").
The www.kingswayriskmanagement.co.uk websites are offered to you conditional on your acceptance without modification of the terms, conditions, and notices contained herein. Your use of the www.kingswayriskmanagement.co.uk websites constitutes your agreement to all such terms, conditions, and notices.
In the event that any of the terms, conditions, and notices contained herein conflict with other terms and guidelines contained within any particular www.kingswayriskmanagement.co.uk website, then these terms shall control.
Throughout this document Kingsway Risk Management will be referred to as "the Provider", whilst www.kingswayriskmanagement.co.uk will be referred to as "the website".
Origin of material
All material in this website, and in newsletters and bulletins, is supplied by Health and Safety Click on behalf of the Provider.
Where appropriate, direct quotes are used from Government websites. This applies particularly where Acts, Guidance Notes, Approved Codes of Practice and Industry Approved Codes of Practice are quoted. This is an acknowledgement of such use as required by the caveats to use information as expressed in the Open Government Licence for Public Sector Information.
Privacy and protection of personal information
See the Privacy Statement.
Member account, password and security
We require you to open an account. To do so you must complete the registration process by providing us with current, complete and accurate information as prompted by the applicable registration form. You then choose or will be allocated a password and a user name. You are entirely responsible for maintaining the confidentiality of your password and account. Furthermore, you are entirely responsible for any and all activities that occur under your account. You agree to notify the Provider immediately of any unauthorised use of your account or any other breach of security. The Provider will not be liable for any loss that you may incur as a result of someone else using your password or account, either with or without your knowledge. However, you could be held liable for losses incurred by the Provider or another party due to someone else using your account or password. You may not use anyone else's account at any time, without the permission of the account holder.
The Provider reserves the right to change the terms, conditions, and notices under which the Provider Services are offered, including but not limited to the charges associated with the use of the website/Services. You are responsible for regularly reviewing these terms and conditions and additional terms posted on particular websites. Your continued use of the Provider website/Services constitutes your agreement to all such terms, conditions and notices.
Personal and non-commercial use limitation
Unless otherwise specified, the website/Services are for your personal and non-commercial use. You may not modify, copy, distribute, transmit, display, perform, reproduce, publish, license, create derivative works from, transfer, or sell any information, software, products or services obtained from the Provider website/Services.
Links to third party sites
Any dealings with third parties (including advertisers) included within the Provider website/Services or participation in promotions, including the delivery of and the payment for goods and services, and any other terms, conditions, warranties or representations associated with such dealings or promotions are solely between you and the advertiser or other third party. The Provider shall not be responsible or liable for any part of any such dealings or promotions.
No unlawful or prohibited use
As a condition of your use of the Provider website/Services, you will not use the Provider website/Services for any purpose that is unlawful or prohibited by these terms conditions, and notices. You may not use the Provider website/Services in any manner, which could damage, disable, overburden, or impair any the Provider website/Services (or the network(s) connected to any the Provider website/Services) or interfere with any other party's use and enjoyment of any the Provider website/Services. You may not attempt to gain unauthorised access to any of the Provider website/Services, other accounts, computer systems or networks connected to any of the Provider website/Services, through hacking, password mining or any other means. You may not obtain or attempt to obtain any materials or information through any means not intentionally made available the Provider website/Services.
Use of services
The Provider website/Services may contain e-mail services, bulletin board services, chat areas, news groups, forums, communities, personal web pages, calendars, photo albums, file cabinets and/or other message or communication facilities designed to enable you to communicate with others (collectively, "Communication Services"). You agree to use the Communication Services only to post, send and receive messages and material that are proper and, when applicable, related to the particular Communication Services. By way of example, and not as a limitation, you agree that when using Communication Services, you will not:
The Provider has no obligation to monitor the Communication Services.
However, the Provider reserves the right to review materials posted to Communication Services and to remove any materials in its sole discretion. The Provider reserves the right to terminate your access to any or all of the Communication Services at any time, without notice, for any reason whatsoever.
The Provider reserves the right at all times to disclose any information as the Provider deems necessary to satisfy any applicable law, regulation, legal process or governmental request, or to edit, refuse to post or to remove any information or materials, in whole or in part, at the sole discretion of the Provider.
Always use caution when giving out any personally identifying information about yourself or your family in any of the Communication Services. The Provider does not control or endorse the content, messages or information found in any of the Communication Services and, therefore, the Provider specifically disclaims any liability with regard to the Communication Services and any actions resulting from your participation in any of the Communication Services. Managers and hosts are not authorised the Provider spokespersons, and their views do not necessarily reflect those of the Provider.
Materials uploaded to any of the Communication Services may be subject to posted limitations on usage, reproduction and/or dissemination; you are responsible for adhering to such limitations if you download the materials.
Materials provided to the website or posted at any web sites of The Provider
The Provider does not claim ownership of the materials you provide to the website (including feedback and suggestions) or post, upload, input or submit to any of the Provider website/Services or its associated services for review by the general public (each a Submission and collectively "Submissions"). However, by posting, uploading, inputting, providing or submitting your Submission you are granting the Provider, its affiliated companies and necessary sub licensees permission to use your Submission in connection with the operation of its Internet businesses including, without limitation, the rights to copy, distribute, transmit, publicly display, publicly perform, reproduce, edit, translate and reformat your Submission and to publish your name in connection with your Submission.
No compensation will be paid with respect to the use of your Submission, as provided herein. The Provider is under no obligation to post or use any Submission you may provide and the Provider may remove any Submission at any time in its sole discretion.
By posting, uploading, inputting, providing or submitting your Submission you warrant and represent that you own or otherwise control all of the rights to your Submission as described in this section including, without limitation, all the rights necessary for you to provide, post, upload, input or submit the Submissions.
Software and content available through the provider website/services
All content and software (if any) that is made available to view and/or download in connection with the Provider website/Services, excluding content and/or software that may be made available by end-users through "Communications Services" is owned by and is the copyrighted work of the Provider and/or its suppliers and is protected by copyright laws and international treaty provisions. Your use of the Software is governed by the terms of the end user License Agreement, if any, which accompanies or is included with the Software. You may not install or use any Software that is accompanied by or includes a License Agreement unless you first agree to the License Agreement terms.
The information, software, products, and services included in or available through the Provider website/Services may include inaccuracies or typographical errors. Changes are periodically made to the Provider website/Services and to the information therein. The Provider and/or its respective suppliers may make improvements and/or changes in the Provider website/Services at any time. Advice received via the Provider website/Services should not be relied upon for personal, medical, and legal or financial decisions and you should consult an appropriate professional for specific advice tailored to your situation.
The Provider and/or its respective suppliers make no representations about the suitability, reliability, availability, timeliness, lack of viruses or other harmful components and accuracy of the information, software, products, services and related graphics contained within the Provider website/Services for any purpose.
All such information, software, products, services and related graphics are provided 'as is' without warranty of any kind. The Provider and/or its respective suppliers hereby disclaim all warranties and conditions with regard to this information, software, products, services and related graphics, including all implied warranties and conditions of merchantability, fitness for a particular purpose, workmanlike effort, title and non-infringement.
You specifically agree that the Provider shall not be responsible for unauthorised access to or alteration of your transmissions or data, any material or data sent or received or not sent or received, or any transactions entered into through the Provider website/Services. You specifically agree that the Provider is not responsible or liable for any threatening, defamatory, obscene, offensive or illegal content or conduct of any other party or any infringement of another's rights, including intellectual property rights. You specifically agree that the Provider is not responsible for any content sent using and/or included in the Provider website/Services by any third party.
General terms regarding use and storage
You agree that the Provider may establish limits concerning use of any service offered on an the Provider website, including without limitation, the maximum number of days that e-mail messages will be retained by the service, the maximum number of e-mail messages that may be sent from or received by an account on the service, the maximum size of an e-mail message that may be sent from or received by an account on the service, the maximum disk space that will be allotted on the Provider servers on your behalf, and the maximum number of times and duration you may access the service in a given period of time.
You agree that the Provider has no responsibility or liability for the deletion, corruption or failure to store any messages or other content maintained or transmitted by the service. You acknowledge that the Provider reserves the right to delete accounts that are inactive for an extended period of time.
The Provider makes no warranty that any service will be uninterrupted, timely, secure or error-free.
The Provider reserves the right, in its sole discretion, to terminate your access to any or all of the Provider website/Services and the related services or any portion thereof at any time, without notice.
The Provider shall have no obligation to maintain any content or to forward any unread or unsent messages to you or any third party.
No SPAM; Damages
The Provider will immediately terminate any account, which it believes, in its sole discretion, is transmitting or is otherwise connected with any Spam or other unsolicited bulk email. In addition, because damages are often difficult to quantify, if actual damages cannot be reasonably calculated then you agree to pay the Provider liquidated damages of £10.00 (Sterling) for each piece of Spam or unsolicited bulk email transmitted from or otherwise connected with your account, otherwise you agree to pay the Provider actual damages, to the extent such actual damages can be reasonably calculated.
It is the express will of the parties that this agreement and all related documents have been drawn up in English.
The laws of the United Kingdom govern this agreement. You hereby irrevocably consent to the exclusive jurisdiction and venue of courts in United Kingdom in all disputes arising out of or relating to the use of the Provider website/Services.
Use of the Provider website/Services is unauthorised in any jurisdiction that does not give effect to all provisions of these terms and conditions, including without limitation this paragraph. You agree that no joint venture, partnership, employment, or agency relationship exists between you and the Provider as a result of this agreement or use of the Provider website/Services. You agree to indemnify and hold the Provider, its parents, subsidiaries, affiliates, officers and employees, harmless from any claim, demand, or damage, including reasonable legal fees, asserted by any third party due to or arising out of your use of or conduct on the Provider website/Services. The Provider reserves the right to disclose any personal information about you or your use of the Provider website/Services, including its contents, without your prior permission if the Provider has a good faith belief that such action is necessary to: (1) conform to legal requirements or comply with legal process; (2) protect and defend the rights or property of the Provider or its affiliated companies; (3) enforce the terms or use; or (4) act to protect the interests of its members or others. The Provider performance of this agreement is subject to existing laws and legal process, and nothing contained in this agreement is in derogation of the Provider right to comply with governmental, court and law enforcement requests or requirements relating to your use of the Provider website/Services or information provided to or gathered by the Provider with respect to such use. If any part of this agreement is determined to be invalid or unenforceable pursuant to applicable law including, but not limited to, the warranty disclaimers and liability limitations set forth above, then the invalid or unenforceable provision will be deemed superseded by a valid, enforceable provision that most closely matches the intent of the original provision and the remainder of the agreement shall continue in effect. Unless otherwise specified herein, this agreement constitutes the entire agreement between the user and the Provider with respect to the Provider website/Services and it supersedes all prior or contemporaneous communications and proposals, whether electronic, oral or written, between the user and the Provider with respect to the Provider website/Services
Subscription-based Content. Some contents and/or services on the website may be offered to you conditional on your purchase of a subscription. If you elect to purchase subscription-based content/Services and transmit to the Provider a subscription purchase request, you warrant that all information that you submit is true and accurate (including without limitation your credit card number and expiration date), and you agree to pay all subscription fees you incur plus all applicable taxes. If you have purchased an automatically renewing subscription, you will not be charged the monthly subscription fee after three months notice of cancellation (but there are no refunds of subscription fees previously paid). No cancellation of access to free content and/or services or to non-renewing subscriptions is required. Your subscription is personal to you and the members of your household, and you may not transfer or make available your account name and password to others, including without limitation your co-workers. Any distribution by you of your account name and password may result in cancellation of your subscription without refund and in additional charges based on unauthorised use.
Fees & payment
The Provider reserves the right to charge listing fees for certain listings, as well as transaction fees based on certain completed transactions using the services. The Provider further reserves the right to alter any and all fees from time to time, without notice.
You shall be completely responsible for all charges, fees, duties, taxes, and assessments arising out of the use of the Services.
Copyright & trademark notices
All contents of the website are: Copyright of Kingsway Risk Management and/or its suppliers, Health and Safety Click Limited, 12 Saxonville, South Benfleet, Essex, SS7 5TD. All rights reserved.
Any rights not expressly granted herein are reserved.