Terms & Conditions


Terms and Conditions of Use

1. Introduction

1.1 This website is operated on behalf of Pinnacle Insurance plc and other Cardif Pinnacle group companies by Cardif Pinnacle Insurance Management Services plc, a public limited company registered in England under registration number 2729650 (together "we, us"). Our registered address is Pinnacle House, A1 Barnet Way, Borehamwood, Hertfordshire WD6 2XX, United Kingdom. We maintain this website ("our website") for our customers ("you").

1.2 These Terms and Conditions govern your use of our website. We strongly advise you to read the Terms and Conditions as they form a contract between you and us for utilisation of our website.

1.3 If you do not agree with these Terms and Conditions please do not use our website. By accessing our website you are deemed to have accepted these Terms and Conditions in full.

1.4 Your attention is also drawn to the Contact Us page and our Privacy Policy both of which contain important information that you are advised to read. [see links at the bottom of the page]

2. Our Obligation to You

2.1 We will use our reasonable endeavours to maintain our website in an acceptable working condition. However, as we cannot guarantee that this will always be the case we cannot accept responsibility for any interruptions or failures in the operation of our website or for any defects that may exist, or for any costs, loss of profits, loss of data, or consequential losses arising from your use of, or inability to access or use our website. In addition we do not warrant that the information accessible via our website is accurate complete or current.

2.2 Access to our website may be suspended temporarily or permanently without notice.

3. Disclaimers

3.1 Our website, its contents and references are provided without any representation, term, condition or warranty of any kind, either express or implied (and whether implied by law, custom, or otherwise) in respect of our website and/or its content to the extent permitted by law. Unless we specifically state otherwise, the information and content on our website is provided "as is" and with all faults and you take the entire risk as to satisfactory quality, performance, accuracy and effort.

3.2 We will use reasonable efforts to ensure that the content on our website is accurate, complete and current, we do not however guarantee or represent that the content will always be accurate, complete, or current, or that your access to our website will be uninterrupted.

3.3 We will be released from our obligations under these Terms and Conditions in the event of any causes beyond our responsibility or control, which renders the provision of our website impossible or impractical.

3.4 We exclude to the fullest extent possible under English Law, and save in respect of death or personal injury arising from negligence, all liability for any claims, losses, demands or damages arising directly, or indirectly out of, or in any way connected with the content, or your use, or inability to access our website including without limitation damage to, or viruses which may affect your computer equipment or other property on account of your access to, use of, or downloading from our website.

3.5 We assume no liability for any errors or omissions in the content of our website and your use of our website is entirely at your own risk. In addition, we do not accept any liability in respect of losses or damages arising out of changes made to the content of our website by unauthorised third parties.

3.6 You acknowledge that you are solely responsible for the use to which you put our website and all the results and information you obtain from it and that all warranties, conditions, undertakings, representations and terms whether expressed or implied, statutory or otherwise are hereby excluded to the fullest extent permitted by law.

3.7 Nothing in these Terms and Conditions shall exclude, limit or restrict either our duties to you or those of Pinnacle Insurance plc under the Financial Services and Markets Act 2000 and any subsequent amending or replacement legislation which regulates the carrying out of investment or financial business in the United Kingdom, or any conduct of business rules which we are bound to comply with.

3.8 In addition we have not reviewed all the websites which are linked to our website and we do not endorse or approve or accept any responsibility for the material contained on or in the contents of such linked websites. If you connect to a linked website you do so entirely at your own risk. We do not accept any responsibility for the content or privacy practices of any website to which a hypertext link from our website exists. The links are provided "as is" with no warranty, express or implied for the information provided within them.

3.9 The materials on our website do not constitute financial or other professional advice. Contact your Independent Financial Adviser or other professional adviser for financial or other advice.

4. Our Rights Reserved

4.1 We reserve the right to amend these Terms and Conditions for whatever reason, at any time and without notice. You will be bound by such revisions and you should therefore ensure that you regularly visit this page to review our current Terms and Conditions from time to time.

4.2 We reserve the right to periodically add, change, or improve any of the information and content on our website and in respect of our services for whatever reason, at any time and without notice.

4.3 We reserve the right to remove any content from our website for whatever reason, at any time and without notice and to deny you with access to all, or any part of our website.

5. Copyright, Other Intellectual Property Rights and Licence

5.1 Unless otherwise stated the copyright, design rights, trademarks and patents in all website design, text, graphics, the selection and arrangement thereof, and all software compilations, underlying source code, software (including applets) and all other material on our website belong to us, or our content and technology providers and any other rights in all material on our website are owned by us or the rightful owner as the case may be. All such rights are reserved.

5.2 The trademarks, logos and service marks (the "Trademarks") displayed on our website are either our registered and unregistered Trademarks or those of others.

5.3 Nothing contained on our website should be construed as granting by implication, estoppel or otherwise any license or right to use any of the Trademarks displayed on our website without the prior written permission of the owner of the Trademarks.

5.4 Any misuse of the Trademarks or any content displayed on our website is strictly prohibited.

5.5 Use of documents and related graphics on our website is for information and/or personal use only any copies of these pages saved to disk or to any other medium may only be used for subsequent viewing purposes or to print extracts for personal use.

5.6 No document or related graphics are to be modified in any way.

5.7 Graphics on our website are not to be used separately from the accompanying text.

5.8 The Pinnacle Insurance plc copyright notice (i.e. © Pinnacle Insurance plc) must appear in all copies.

5.9 No part of our website may be published, copied, transmitted, redistributed, adapted or otherwise reproduced or stored in any other website or included in any public or private electronic retrieval system or service without our prior written permission or that of the rightful owner.

5.10 Any rights not expressly granted in these terms are reserved.

5.11 Intellectual property rights in all software and documentation supplied by us for your use in connection with the website remain our property or that of our licensors.

6. Your Submissions to Our Website

6.1 We will use contact information from any enquiry to deliver information and other confirmations to you and to get in touch with you when necessary.

6.2 Apart from your personal information, which is addressed by our Privacy Policy, we will treat any communication or material you send to our website electronically, or otherwise, including financial information but limited to data, questions, comments, suggestions, or submissions ("your information"), as non-confidential and non-proprietary. By submitting your information to our website, you irrevocably agree never to assert any copyrights, moral rights, or other rights you may have in such material.

6.3 We may use your information for any purpose, including but not limited to reproduction, transmission, disclosure, publication, broadcast and posting.

6.4 We may also use any ideas, concepts, techniques, or know-how contained in your information for any reason, including but not limited to developing, manufacturing and marketing our website and our services.

7. Severance

The court may strike out or override any part of these Terms and Conditions, which it considers unfair, unreasonable, invalid or unlawful (whether an entire clause or only part of one) and in such cases enforce these Terms and Conditions as if the offending part had never been contained in it. The paragraph headings are for information only, and do not form part of these Terms and Conditions.

8. Jurisdiction

Unless otherwise agreed these Terms and Conditions shall be governed by and construed in accordance with English law and the parties agree to submit to the exclusive jurisdiction of the English Courts.

9. Regulation

Pinnacle Insurance plc (Company Registration number 1007798) is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Pinnacle Insurance plc appears on the Financial Services Register and our Financial Services Register Number is 110866. You can check this by visiting www.fsa.gov.uk/register or by contacting the FCA on 0800 111 6768. Pinnacle Insurance plc is also a member of the Association of British Insurers whose address is 51 Gresham Street, London EC2V 7HQ.

10. Online Dispute Resolution

We always try to resolve any complaint to put things right. However, if you have already contacted us and we have not resolved your complaint to your satisfaction, you may wish to use the European Commission's Online Dispute Resolution service. This is an online portal designed to help consumers who have bought goods or services online to conduct dispute resolution.