Terms & Conditions
Website Terms
There are the terms and conditions (“Website Terms”) which apply to your use of this
website (“Website”). Please read them carefully and if you have any questions or issues,
please get in touch by contacting us.
By proceeding with access to this Website you are deemed to have accepted both these
Website Terms and our Privacy Policy which is supplemental to our Website Terms.
Please note that this Website is intended for use by residents of the United Kingdom whilst
in the United Kingdom only. For the avoidance of doubt, none of the information this
Website constitutes an offer to contract in any country in which is it available, including the
UK.
These Website Terms are in addition to any terms of business which you may have as a
direct customer (“Direct Terms”) and in the event of any conflict between these Website
Terms and any Direct Terms, the terms and conditions of the Direct Terms shall prevail.
Any products or services acquired will be subject to their own terms and conditions with the
relevant provider which you must also read.
General
This Website is provided by Black Rock Express Insurance and Financial Services Limited.
This Website may also contain hypertext links to, or information from, websites operated by
third parties (meaning person or companies other than Black Rock Express Insurance and
Financial Services Limited. Where the Website includes any such information and/or links
these are for information purposes only and Black Rock Express Insurance and Financial
Services Limited makes no representation whatsoever about any such link, website or
content. Separate terms and conditions may also apply to such websites. Black Rock
Express Insurance and Financial Services Limited accepts no responsibility for the content
of or your use of any website which is accessed via a hypertext link from this Website.
Availability and access
Black Rock Express Insurance and Financial Services Limited does not warrant that this
Website is free of viruses, worms, Trojan Horses or technical problems arising from your use
of this Website. Black Rock Express Insurance and Financial Services Limited will
endeavour to ensure that this Website is accessible for 24 hours a day but will not be liable
if, for any reason, the Website is unavailable for any time or for any period.
Black Rock Express Insurance and Financial Services Limited will have the right to suspend
access to the Website (or any part of it) temporarily or permanently and without notice.
At any time, access to and use of certain parts of this Website may be restricted to
registered users, to which further terms governing access may apply. When applicable,
such terms shall be drawn to your attention during the registration process Black Rock
Express Insurance and Financial Services Limited may, at its sole discretion, refuse to
register a user or to provide access to certain parts of the Website to certain users, without
providing reasons for doing so.
Information only website
The information contained on this Website is provided for information purposes only and
cannot be regarded as constituting advice or recommendations (professional or otherwise).
Black Rock Express Insurance and Financial Services Limited will use reasonable care and
skill to ensure that information contained on this Website is accurate at the date of
publication. However, because of the nature of the internet, information on the Website may
not always be accurate or complete.
Amendments
Black Rock Express Insurance and Financial Services Limited reserves the right to make
amendments and changes to the information on the Website and any references to details of
products of services, including pricing, are subject to change without notice.
Variation
Black Rock Express Insurance and Financial Services Limited reserves the right to make
amendments and changes to these terms and conditions without notice to you from time to
time to reflect changes in market conditions affecting Black Rock Express Insurance and
Financial Services Limited business, changes in technology, changes in payment methods,
changes in relevant laws and regulatory requirements, and any other changes.
Any such amendment shall be effective once the revised terms and conditions have been
posted on the Website. You shall be responsible for reviewing the terms and conditions of
the Website each time you use the Website and we will treat your use of the Website as
signifying your acceptance of the terms and conditions applicable at the time you access the
Website.
Security
Black Rock Express Insurance and Financial Services Limited will take all reasonable steps
to ensure that any information you provide (via email or otherwise) as a result of your access
to this Website is kept secure, but please remember that, because of the nature of the
internet, the security of emails cannot be guaranteed. There is no guarantee that any emails
sent will be received by us. Please also refer to our Privacy Policy.
Liability
All warranties, conditions, representations and terms, whether express or implied by statute,
common law or otherwise, with respect to this Website and its content, including but not
limited to implied warranties of satisfactory quality, fitness for a particular purpose, non-
infringement, compatibility, security and accuracy are excluded from these Website Terms to
the extent that they may be excluded as a matter of law. Further, Black Rock Express
Insurance and Financial Services Limited does not warrant that the Website will be
uninterrupted or error free or that any defects will be corrected.
To the fullest extent permitted by law Black Rock Express Insurance and Financial Services
Limited shall not be liable (whether in contract or tort, including negligence or breach of duty,
or otherwise) for any damage, loss or liability sustained or arising out of or in connection
with:
Your use of the Website
Your reliance on or your inability to use the information contained on this Website; or any
failure or performance, error, omission, interruption, defect, delay in operation or
transmission, computer virus, worm, Trojan Horse, or system failure, unavailability or
suspension to this Website, including, without limitation, loss of profits, loss of income, loss
of anticipated savings, loss of revenues, loss of data, loss of goodwill or loss of contracts or
business (in each case whether direct or indirect) nor for any indirect, economic,
consequential or special loss resulting from whatever cause.
To the extent permitted by applicable law, Black Rock Express Insurance and Financial
Services Limited expressly disclaims all liability howsoever arising whether in contract, tort
(or deceit) or otherwise (including, but not limited to, liability for any negligent act or
omissions) to any person in respect of any claims or losses of any nature, arising directly or
indirectly from: (i) Anything done or the consequences of anything done or omitted to be
done wholly or partly in reliance upon the whole or any part of the information of this
Website; and (ii) The use of any data or materials on this Website or unauthorised access to
this Website or otherwise.
Black Rock Express Insurance and Financial Services Limited will not be responsible for any
breach of these Website Terms caused by circumstances beyond its reasonable control.
Nothing in these terms and conditions shall exclude Black Rock Express Insurance and
Financial Services Limited liability for death or personal injury resulting from Black Rock
Express Insurance and Financial Services Limited negligence. You shall be liable for and
shall indemnify Black Rock Express Insurance and Financial Services Limited and/or, where
applicable, Black Rock Express Insurance and Financial Services Limited subsidiaries,
officers, directors, agents, licensors, successors and assigns from against any and all
claims, actions, liabilities, losses, damages and expenses (including legal expenses) of any
kind which arise out of or in connection with, directly or indirectly, your breach of these
Website Terms.
Copyright and other intellectual property rights
Black Rock Express Insurance and Financial Services Limited (or its subsidiaries or
licensors) own the copyright and al intellectual property rights existing on or within this
Website (including but not limited to all database rights, trade marks, registered and
unregistered trade marks, service marks and logos). Nothing in the Website shall confer on
any person any licence or right with respect to any such intellectual property. Black Rock
Express Insurance and Financial Services Limited name may not be used in anyway,
including in advertising or publicity pertaining to distribution of Information without our prior
written consent.
The images, logos and names on the Website which identify Black Rock Express Insurance
and Financial Services Limited or a provider of products or services from time to time are the
proprietary marks of Black Rock Express Insurance and Financial Services Limited or the
provider concerned. Nothing in the Website shall confer on any person any licence or right
with respect to any such image, logo or name.
You are not permitted to download, print, redistribute or extract any information from this
Website other than for your personal, non-commercial use.
You are not permitted to reproduce, copy, redistribute, modify or in any way change any of
the information available on this Website.
You agree to indemnify and keep indemnified, Black Rock Express Insurance and Financial
Services Limited, its officers, directors, agents, licensors, successors and assigns against all
liabilities, claims, losses, costs, damage and expenses including legal fees incurred by Black
Rock Express Insurance and Financial Services Limited should you breach any of the terms
in this section (Copyright and other Intellectual Property Rights).
Data protection and privacy
Any personal information you supply to Black Rock Express Insurance and Financial
Services Limited via this Website will be treated in accordance with the Data Protection Act
1998.
Additional information regarding the privacy of personal data, and the use of cookies, is
available in Black Rock Express Insurance and Financial Services Limited Privacy Policy.
You acknowledge and agree to be bound by the terms of Black Rock Express Insurance and
Financial Services Limited Privacy Policy.
Communications
Applicable laws may require that certain information or communications be in writing. When
using the Website, you accept and agree that communication with Black Rock Express
Insurance and Financial Services Limited may be electronic. Black Rock Express Insurance
and Financial Services Limited may contact you by email or provide you with information by
posting notices on this Website. For any contractual purposes, you agree to electronic
means of communication and you acknowledge that all contracts, notices, information and
other communications that Black Rock Express Insurance and Financial Services Limited
provides to you electronically comply with any legal requirements that such communication
be in writing. This provision does not affect your statutory rights.
Severability
If any of these terms and conditions are determined to be illegal, invalid or otherwise
unenforceable by reason of the laws of any state or country in which such terms and
conditions are intended to be effective, then to the extent of such illegality, invalidity or
unenforceability, in relation to such state or country only, such terms or conditions shall be
deleted and severed from these terms and conditions and the remaining terms and
conditions shall survive in full force and effect.
Waiver
If Black Rock Express Insurance and Financial Services Limited fails at any time to insist
upon strict performance of any of your obligations under these Website Terms, or if Black
Rock Express Insurance and Financial Services Limited fails to exercise any of its rights or
remedies to which Black Rock Express Insurance and Financial Services Limited is entitled
under these Website Terms, this shall not constitute a waiver of such rights or remedies and
shall not relieve you from compliance with such obligations.
Entire agreement
These Website Terms set out the whole of Black Rock Express Insurance and Financial
Services Limited’s agreement relating to your use of this Website. Nothing said by any sales
person on Black Rock Express Insurance and Financial Services Limited’s behalf should be
understood as a variation of these Website Terms.
Applicable law
Black Rock Express Insurance and Financial Services Limited has established this Website
in England. English Law shall govern its use at all times and in the event of a dispute the
parties shall irrevocably submit to the exclusive jurisdiction of the English Courts.
Contacting us
Questions, comments and requests are welcomed you should get in touch by contacting us.
Complaints
We know that sometimes things go wrong and, in the unlikely event this happens, we want
to put it right. As a valued client of Black Rock Express Insurance and Financial Services
Limited, we want you to tell us if our advice or service does not meet your expectations. We
take all client dissatisfaction seriously and seek to use the lessons learned to improve the
way we do things. Please contact us if you wish to make a complaint.
John Jewett, Director
Black Rock Express Insurance and Financial Services Limited
Gordon House, South Street, Yarmouth, Isle of Wight. PO41 0QB
Tel: 01983 760377
Email: blackrockiw@btconnect.com