HEALTH INSURANCE MAGAZINE - WEBSITE TERMS OF USE

1.             INTRODUCTION

1.1           This page (together with the documents referred to on it) tells you the terms of use (“Terms of Use”) on which you may make use of our website www.hi-mag.com/healthinsurance/homepage.do (“Site”) and the content on this Site. Please read these Terms of Use carefully before you start to use the Site. By using our Site, you indicate that you accept these Terms of Use and that you agree to abide by them. If you do not agree to these Terms of Use, please refrain from using our Site.

1.2           We may amend these Terms of Use at any time and such amended version shall be effective upon its posting on the Site.  Therefore you should check this Site from time to time to review the current Terms of Use. 

2              INFORMATION ABOUT US

2.1           Our Site is owned and operated by Informa UK Limited (“Informa”, “we” or “us”) whose registered office is at Mortimer House, 37-41 Mortimer Street, London, W1T 3JH.  We are registered in England and Wales under company number 1072954.

3.             ACCESSING OUR SITE

3.1           Whilst we endeavour to ensure that the Site is normally available 24 hours a day, access to our Site is on a temporary basis, and we reserve the right to withdraw or amend the service we provide on our Site without notice. We will not be liable if for any reason our Site is unavailable at any time or for any period.

3.2           The purpose of our Site is to provide the user with information on new health insurance and protection products from one convenient and objective source. The content contained within the Site shall be known herein as the “Site Content”. The Site allows the user to register for e-Bulletins so that it can track its favourite topics on the Site.

3.3           We aim to update our Site regularly, and may from time to time modify the services on the Site and change the Site Content. If the need arises, we may suspend access to our Site, or close it indefinitely. The Site Content may be out of date at any given time, and while we may from time to time update the Site Content we are under no obligation to do so.

3.4           You are responsible for making all arrangements necessary for you to have access to our Site, including the arrangement and acquisition of software, hardware and any necessary internet connection and telecommunications equipment.

4.             INTELLECTUAL PROPERTY RIGHTS AND LICENCE TO USE

4.1           For the purposes of these Terms of Use, “intellectual property” means patents, inventions, know how, trade secrets and other confidential information, registered designs, copyrights, database rights, design rights, rights affording equivalent protection to copyright, database rights and design rights, semiconductor topography rights, trade marks, service marks, logos, domain names, business names, trade names, moral rights, and all registrations or applications to register any of the aforesaid items, rights in the nature of any of the aforesaid items in any country or jurisdiction, rights in the nature of unfair competition rights and rights to sue for passing off.

4.2           We are the owner or the licensee of all intellectual property rights in our Site and in the material published on it.  Those works are protected by copyright laws and treaties around the world.  All such rights are reserved.

4.3           Subject to your compliance with these Terms of Use, we grant [all users a non-exclusive non transferable licence to access through a generally available web browser (but not through any scraping, spidering, crawling or any other technology designed to harvest data) to view and use the Materials for your personal reference.

4.4           You may print off one copy, and may download extracts, of any page(s) from our Site for your personal reference. 

4.5           You must not modify the paper or digital copies of any materials you have printed off or downloaded in any way, and you must not use any illustrations, photographs, video or audio sequences or any graphics separately from any accompanying text.

4.6           Our status (and that of any identified contributors) as the authors of Site Content must always be acknowledged.

4.7           You must not use any part of the materials on our Site for commercial purposes without obtaining a licence to do so from us or our licensors. The material on the Site can be reproduced for a fee to be determined on a case-by-case basis, subject to any terms and conditions as applied by us in relation to this reproduction. We reserve the right to revise the fee given at any time.

4.8           If you print off, copy or download any part of our Site in breach of these Terms of Use, your right to use our Site will cease immediately and you must, at our option, return or destroy any copies of the materials you have made.

5.             VIRUSES, HACKING AND OTHER OFFENCES

5.1           You must not misuse our Site 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 our Site or any part of it, the server on which our Site is stored or any server, computer or database connected to our Site. You must not attack our Site via a denial-of-service attack or a distributed denial-service-attack. In the event of such a breach, your right to use our Site will cease immediately.

5.2           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 our Site or due to your downloading of any material posted on it, or any website linked to it.

6.             LINKING TO OUR SITE

6.1           You may link to our home page, provided that the link is for non-commercial purposes and you do so in a way that is fair and legal and does not damage our reputation or take advantage of it, but you must not establish a link in such a way as to suggest any form of association, approval or endorsement on our part where none exists and you must not establish a link from any website that is not owned by you.

6.2           Our Site must not be framed on any other website, nor may you create a link to any part of our Site other than the home page or specific discussions. We reserve the right to withdraw linking permission without notice.

7.             LINKS FROM OUR SITE

                Where our Site contains links to other sites and resources provided by third parties, these links are for your information only. We have no control over the contents of these sites or resources and accept no responsibility for them or for any loss or damage that may arise from your use of them.

8.             LIABILITY

8.1            The Site and material displayed on our Site is provided on an as is basis and without any guarantees, conditions or warranties as to its accuracy.

8.2           If and to the extent that the Site contains or includes any opinion, analysis, prediction or assessment of any facts or circumstances (‘Opinions’), such Opinions represent our subjective views based on the facts or information available or circumstances known to us at the relevant time, which may not always be correct and/or may change.

8.3           Nothing in these Terms of Use excludes or limits liability which cannot be excluded or limited by law.

8.4           Subject to clause 8.2, any indemnities, warranties, terms and conditions (whether express or implied) are hereby excluded to the fullest extent permitted by law.

8.5           Subject to clause 8.2, we will not be liable, in contract, tort (including, without limitation, negligence), pre-contract or other representations (other than fraudulent on negligent misrepresentations) or otherwise out of or in connection with these Terms of Use for any: (i) direct, indirect or consequential loss or damage incurred by you in connection with our Site or in connection with the use, inability to use, or results of the use of our Site, any websites linked to it and any materials posted on it; or (ii) economic losses (including without limitation loss of revenues, data, profits, contracts, business or anticipated savings); or (iii) loss of goodwill or reputation; or (iv) special or indirect losses; or (iv) any other loss or damage of any kind, however arising and whether caused by tort (including negligence), breach of contract or otherwise, even if foreseeable suffered or incurred by you arising out of or in connection with these Terms of Use.

9.             PRIVACY AND USE OF YOUR INFORMATION

                We process information about you in accordance with our http://bit.ly/fHIguE. By using our Site, you consent to such processing and you warrant that all data provided by you is accurate.

10.           CONTACT

If you have any concerns about our Site including the material which appears on our Site, please contact healthinsurance@informa.com.

11.           MISCELLANEOUS

11.1         Severability. If any of these Terms of Use or any provisions of a contract are determined by any competent authority to be invalid, unlawful or unenforceable to any extent, such term, condition or provision will to that extent be severed from the remaining terms, conditions and provisions which will continue to be valid to the fullest extent permitted by law.

11.2         Notices. All notices given by you to us must be given to us at healthinsurance@informa.com.

We may give notice to you at either the e-mail or postal address you provide to us when registering. Notice will be deemed received and properly served immediately when posted on our Site, 24 hours after an email is sent or three days after the posting of a letter. In proving the service of any notice, it will be sufficient to prove in the case of a letter that such letter was properly addressed, stamped and placed in the post and, in the case of an email that such email was sent to the specified email address of the addressee.

11.3         Assignment. You may not transfer, assign or sub-licence any of your rights and obligations arising hereunder, without our prior written consent. We may transfer or assign any of our rights or obligations arising hereunder.

You may not transfer, assign or sub-licence any of your rights and obligations arising hereunder, without our prior written consent.

 11.4         Entire Agreement. These Terms of Use and any document expressly referred to in them represent the entire agreement between us in relation to the use of our Site and supersede any prior agreement relating to such matters. Each party acknowledges and agrees that in entering into this contract that, save in relation to fraudulent misrepresentations, it does not rely on and shall have no remedy in respect of any statement, representation or understanding.

11.5         Waivers If we fail, at any time, to insist upon strict performance of any of your obligations under any of these Terms of Use, or if we fail to exercise any of the rights or remedies to which we are entitled under these Terms of Use, this shall not constitute a waiver of such rights or remedies and shall not relieve you from compliance with such obligations. A waiver by us of any default shall not constitute a waiver of any subsequent default and no waiver by us of any of these Terms of Use shall be effective unless it is expressly stated to be a waiver and is communicated to you in writing in accordance with clause 11.2.

11.6         Governing Law. These Terms of Use shall be governed by and construed in all respects in accordance with the laws of England and Wales and the Courts of England and Wales shall have exclusive jurisdiction over all disputes that arise out of or in connection with them.

Thank you for visiting our Site.