These are the general terms of use that govern your use of YearAbroadInsurance.com (“Site”). The Site is operated by Risk Management and Corporate Insurance Services Limited (“RMCI”), a limited company registered in England and Wales under registration number 4127123. Our registered address is 3-4 Tannery House, Tannery Lane, Send, Surrey GU23 7EF. We are regulated by the Financial Conduct Authority (309725).

Please read these terms of use carefully. By using the Site you agree to be bound by the terms of use. If you do not wish to be bound by these terms of use, you may not continue to use or access the Site. Use of our Site includes accessing, browsing, or registering to use our Site. If you have any enquiries or complaints about the Site then please address them to enquiries@rmci.co.uk.

These terms of use may change or be updated from time to time. It remains your responsibility to access and check the terms of use whenever you access the Site. The latest version of the terms of use will govern any future usage by you of the Site.

We may update our Site from time to time, and may change the content at any time. Where our site contains links to other sites and resources provided by third parties, these links are provided for your information only.  We have no control over the contents of those sites or resources.

These terms of use refer to the following additional terms, which also apply to your use of our Site:

•    Our Privacy Policy, which sets out the terms on which we process any personal data we collect from you, or that you provide to us. By using our Site, you consent to such processing and you warrant that all data provided by you is accurate.

•    Our Cookie Policy, which sets out information about the cookies on our Site.

We do not guarantee that our site, or any content on it, will always be available or be uninterrupted. Access to our Site is permitted on a temporary basis. We may suspend, withdraw, discontinue or change all or any part of our Site without notice. We will not be liable to you if for any reason our site is unavailable at any time or for any period. You are responsible for making all arrangements necessary for you to have access to our Site.  You are also responsible for ensuring that all persons who access our Site through your internet connection are aware of these terms of use and other applicable terms and conditions, and that they comply with them.

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. Our status (and that of any identified contributors) as the authors of content on our site must always be acknowledged.

Although we make reasonable efforts to update the information on our Site, we make no representations, warranties or guarantees, whether express or implied, that the content on our Site is the most suitable product for your circumstances. The content of our Site is descriptive in nature and is not intended to provide you with advice.

Nothing in these terms of use 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 by English Law.

To the extent permitted by law, we exclude all conditions, warranties, representations or other terms which apply to our Site, whether express or implied.

We will not be liable to any user for any loss or damage, whether in contract, tort (including negligence), breach of statutory duty, or otherwise, even if foreseeable, arising under or in connection with:

•    Use of, or inability to use, our Site

We do not guarantee that our site will be secure or free from bugs or viruses.

You are responsible for configuring your information technology, computer programmes and platform in order to access our site. You should use your own virus protection software.

We will not be liable for any loss or damage caused by a virus, distributed denial-of-service attack, 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 to your downloading of any content on it, or on any website linked to it.

We assume no responsibility for the content of websites linked on our site. Such links should not be interpreted as endorsement by us of those linked websites. We will not be liable for any loss or damage that may arise from your use of them.

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, 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-of service attack. By breaching this provision, 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 our site will cease immediately.

What you are allowed to do

You may browse this Site using a compatible web browser free of charge. 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. You may only use the Site for personal use and only in accordance with these terms. Additional terms may apply to the use of particular parts of the Site and products and services which are available from it. You may print a copy of any page of the Site for your own personal purposes, provided you do not action any of the things set out under “What you are not allowed to do” below.

What you are not allowed to do

Except to the extent expressly set out in these terms, you are not allowed to:

• Make any copies of any part of the Site (other than for personal use).
• Remove or change anything on the Site.
• Include or create links to or from the Site without our express written permission. If you wish to obtain such permission, please contact enquiries@rmci.co.uk.
• 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.
• Seek to introduce any computer virus (including any variant or similar malicious code or instructions) to the RMCI system, nor deliberately seek to prevent or hinder the Site’s usual operations in any manner whatsoever.
• 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.

Your personal information

Use of your personal information is governed by our privacy policy, which forms part of these terms of use. In the event that RMCI undergoes reorganisation or is sold to a third party, any personal information RMCI holds about you may be transferred to that reorganisation entity or third party, provided that their use of it remains in accordance with our privacy policy.