Terms & Conditions
These terms and conditions govern your use of our website. If you do not accept these terms, please do not use this website. Using the website implies that you accept these terms. We update these terms so please refer back to them in the future. Your continued use of this website after we have made any such changes will signify your consent to the changes. Specific terms may also apply to the provision of any of the services that we provide via this website. You should check any specific terms that apply to the services which you use.
1. SITE ACCESS
1.1 You will be able to access the majority of this website without having to register any details with us.
2. USE OF WEBSITE
2.1 You are permitted to use our website for your own purposes and to print and download material from this website provided that you do not modify any content without our consent. Material on this website must not be republished online or offline without our permission.
2.2 The copyright and other intellectual property rights in all material on this website are owned by us or our licensors and must not be reproduced without our prior consent. All rights, save as expressly granted, are reserved. If you are in doubt whether an item is copyright or a trade mark of Guard Hog please contact us for clarification.
2.3 Subject to paragraph 2.1, no part of this website may be reproduced without our prior written permission.
3. SITE UPTIME
3.1 We take all reasonable steps to ensure that this Website is available 24 hours every day, 365 days per year. However, websites do sometimes encounter downtime due to server and, other technical issues. Therefore we will not be liable if this website is unavailable at any time.
3.2 This website may be temporarily unavailable due to issues such as system failure, maintenance or repair or for reasons beyond our control. Where possible we will try to give our visitors advance warning of maintenance issues but shall not be obliged to do so.
4. VISITOR CONDUCT
4.2 When using this website you shall not post or send to or from this website any material:
a. for which you have not obtained all necessary consents;
b. that is discriminatory, obscene, pornographic, defamatory, liable to incite racial hatred, in breach of confidentiality or privacy, which may cause annoyance or inconvenience to others, which encourages or constitutes conduct that would be deemed a criminal offence, give rise to a civil liability, or otherwise is contrary to the law in the United Kingdom;
c. which is harmful in nature including, and without limitation, computer viruses, Trojan horses, corrupted data, or other potentially harmful software or data.
4.3 We will fully co-operate and comply with any regulatory authorities or court order requiring us to disclose the identity or other details of any person posting material to this website in breach of Paragraph 4.2.
5. LINKS TO AND FROM OTHER WEBSITES
5.1 Any links to third party websites located on this website are provided for your convenience and Guard Hog accepts no responsibility or liability in connection with your use or reliance on the content of any linked website. The inclusion of any link does not imply endorsement by Guard Hog of any linked website or its provider.
5.2 If you would like to link to this website, you may only do so on the basis that you link to, but do not replicate, any page on this website, and subject to the following conditions:
a. you do not in any way imply that we are endorsing any services or products unless this has been specifically agreed with us;
b. you do not misrepresent your relationship with us or present any false information about us;
c. you do not link from a website that is not owned by you; and
d. your website does not contain content that is offensive, controversial, infringes any intellectual property rights or other rights of any other person or does not comply in any way with the law in the United Kingdom.
5.3 If you choose to link to our website in breach of Paragraph 5.2 you shall fully indemnify us for any loss or damage suffered as a result of your actions.
6.1 We take all reasonable steps to ensure that the information on this website is correct. However, we do not guarantee the correctness or completeness of material on this website. We may make changes to the material on this website at any time and without notice. The material on this website may be out of date, or on rare occasions incorrect and we make no commitment to ensure that such material is correct or up to date.
6.2 The material at this website is provided without any conditions or warranties of any kind. To the maximum extent permitted by law, we provide access and use of this website on the basis that we exclude all representations, warranties and conditions which but for these Terms may have effect in relation to this website.
7. EXCLUSION OF LIABILITY
7.1 Neither we nor any other party (whether or not involved in producing, maintaining or delivering this website), shall be liable or responsible for any kind of loss or damage that may result to you or a third party as a result of your or their use of our website. This exclusion shall include servicing or repair costs and, without limitation, any other direct, indirect or consequential loss, and whether in tort or contract or otherwise in connection with this website.
7.2 Nothing in these Terms shall exclude or limit liability for:
a. death or personal injury caused by negligence (as defined by the Unfair Contract Terms Act 1977);
c. misrepresentation as to a fundamental matter; or
d. any liability which cannot be excluded or limited under the law of the United Kingdom.
8. MEMBER AND INTRODUCTORY OFFERS AND DISCOUNTS
8.1. Credit codes are only valid when opening a new Guardhog account unless specified otherwise.
8.2. Only £2.50 credit will be applied per booking / cover until all credit is used up.
8.3. Only one credit code can be used per new account unless specified otherwise.
8.4. All credit codes issued during 2019 expire on 31st December 2019 unless otherwise stated. (If they have already been applied to an account, the credit remains valid for 12 months after the date it was applied to the account).
8.5. Discounted offers are available only once to any one customer, and any free offers are limited to a maximum of one per household / policyholder.
8.6. In the unfortunate case that we detect any abuse or unfair treatment of an offer or credit, we reserve the right to cancel the relevant offer / code.
8.7. We may offer new and/or existing customers special offers from time to time. Where we make such offers, introductory offers are only available to new users of the website. Previously registered users do not qualify for an additional offer, unless expressly stated.
8.8. We may cancel any special offer, introductory offer or discount at any time without notice.
8.9. At our sole discretion, we may restrict who may use credits for any reason.
8.10. Promotional offers and discounts are available for limited time periods only.
8.11. Except where otherwise stated, discounts and credits cannot be used in conjunction with any other offers.
8.12. Account credits and offers cannot be redeemed for cash.
8.13. After any credit is used up you will be charged the full price for subsequent cover.
8.14. These terms are subject to change at any time.
8.15. Credit codes cannot be backdated. If a new “offer” is launched, we are unable to apply the credit codes to sign-ups or bookings that precede the date the offer is first circulated.
9. GOVERNING JURISDICTION
These terms and conditions shall be governed by and construed in accordance with English law. Any dispute(s) arising in connection with the terms and conditions are subject to the exclusive jurisdiction of the courts in England and Wales.
10. OUR DETAILS
Guard Hog provides professional services to the Lloyd’s, London and International Insurance Market.
For further information on the use of materials on this website or if you experience any problems with this website then please write to the Compliance Officer at 1A May Road, Twickenham, London, TW2 6QW or email us at firstname.lastname@example.org
11. PAYMENT CARDS ACCEPTED
Visa, MasterCard and American Express.