Please note that use of this Site is subject to our Terms and Conditions and you should read these before going any further. You are treated as accepting them by browsing this TMEI Site.
1. Terms and Conditions The TMEI web site ("Site") is provided for your information by Tokio Marine Europe Insurance Limited (TMEI). These are the general terms and conditions that govern your use of this Site. Please read these terms and conditions carefully. By using the Site you agree to be bound by these terms and conditions. If you do not wish to be bound by these terms and conditions, you may not continue to use or access the Site.
2. What you are allowed to do:
2.1 You may: browse the Site using a compatible web browser (this Site is compatible with Microsoft Internet Explorer 4 and above and Netscape 4 and above). Permission to browse the Site includes permission to make transient or cached copies of parts of the Site to the extent that this occurs in the normal course of using your browser and that these copies are used only to facilitate current or subsequent access to the Site by you; print a copy of any page of the Site; for your own personal purposes, provided you do not do any of the things set out under "What you are not allowed to do".
3. What you are not allowed to do:
3.1 Except to the extent expressly set out in these terms, you are not allowed to make any copies of any part of the Site.
3.2 You may not remove or change anything on the Site.
3.3 You may not include or create links to or from the Site.
3.4 You are not allowed to copy or use any material from the Site for any commercial purpose.
3.5 You are not allowed to remove or change any copyright, trade mark or other intellectual property right notices contained in the original material or from any material copied or printed off from the Site.
4. You must only use the Site and anything available from the Site for lawful purposes, and you must comply with all applicable laws, statutes and regulations.
5. Your personal information:
5.1 Usage of your personal information is governed by our Privacy Policy, which forms part of these Terms and Conditions. In the event that TMEI undergoes reorganisation or is sold to a third party, any personal information TMEI holds about you may be transferred to that reorganised entity or third party.
6. Rights:
6.1 All intellectual property rights in any material (including text, photographs and other images and sound, trade marks and logos) contained in this Site is either owned by TMEI or has been licensed to TMEI by the rights' owner(s) so that TMEI can use this material as part of its Site. You are only allowed to use this Site and the material contained in the Site as set out in these terms.
7. Disclaimer and limitation of liability:
7.1 TMEI does not, and nothing in these terms and conditions shall act to exclude or limit TMEI's liability for death or personal injury resulting from its negligence, fraud or any other liability which may not by applicable law be excluded or limited. Your statutory rights as a consumer are not affected by any of these terms.
7.2 Subject to clause 6.1, in no event shall TMEI be liable (whether for breach of contract, negligence or for any other reason) for any loss of profits, exemplary or special damages, loss of sales, loss of revenue, loss of goodwill, loss of any software or data, loss of bargain, loss of opportunity, loss of use of computer equipment, software or data, loss of or waste of management or other staff time, or for any indirect, consequential or special loss, however arising.
7.3 You agree that your use of the Site is on an "as is" and "as available" basis and that your use of the Site is at your sole risk. On that basis, except as expressly set out in these terms, TMEI does not enter into conditions, warranties or other terms in relation to the Site (including any implied term relating to quality, fitness for a particular purpose).
7.4 TMEI tries to make sure that all information contained on the Site is correct, but it does not accept any liability for any error or omission. You should check with TMEI or the relevant supplier before acting on any information on the Site. TMEI is not liable for any action you may take as a result of relying on any information provided in this Site.
7.5 TMEI may change the format and content of the Site from time to time. You should refresh your browser each time you visit the Site to ensure that you download the most up to date version of the Site.
7.6 The Site includes links to external sites and co-branded pages. TMEI has included links to these sites and co-branded pages to provide you with access to information and services that you may find useful or interesting. Also, you may have linked to this Site from another web site. TMEI is not responsible for the content of any of these sites and pages or for anything provided by them.
7.7 Other TMEI web sites may contain terms and conditions that are different from these terms and conditions. These terms and conditions relate to this Site only. When visiting other TMEI web sites please read the terms and conditions governing the use of such web sites.
8. Suspension and termination of Service:
8.1 TMEI may suspend the operation of the Site for repair or maintenance work or in order to update or upgrade the contents or functionality of the Site from time to time. Access to or use of the Site or any Sites or pages linked to it will be not necessarily be uninterrupted or error free.
8.2 TMEI may terminate your access to the Site immediately in the event you breach any of these terms and conditions.
9. Enquiries or complaints:
9.1 If you have any enquiries or complaints then please address them to: Company Secretary, Tokio Marine Europe Insurance Limited, 150 Leadenhall Street, London EC3V 4TE, United Kingdom
10. General and governing law:
10.1 TMEI may change these terms and conditions from time to time and will endeavour to notify you of any major changes by posting a message on the Site. By browsing the Site you are accepting that you are bound by the current terms and conditions. You should check these each time you revisit the Site. These terms and conditions form the entire understanding of the parties and supersede all previous agreements, understandings and representations relating to the subject matter. If any provision of these terms and conditions is found to be unenforceable, this shall not affect the validity of any other provision. TMEI may delay enforcing its rights under these terms and conditions without losing them. You agree that TMEI may sub-contract the performance of any of its obligations or may assign these terms and conditions or any of its rights or obligations without giving you notice. These terms and conditions shall be governed and interpreted in accordance with English law, and you consent to the non-exclusive jurisdiction of the English courts.