Disclaimer
Please note that the use of this Site is subject to our terms and conditions as set out below. Torus reserves the right to vary these terms and conditions at any time. You should therefore read these terms and conditions each time you intend to use this Site. Using or continuing to use this Site will constitute acceptance of these terms and conditions as varied from time to time. If you do not wish to be bound by these terms and conditions, you may not continue to use or access the Site.
You may be viewing the material in a market in which Torus does not operate. Torus cannot be held responsible for non-compliance with any local advertising laws in relation to the material on this Site.
The distribution of information on the Site may be restricted by local law or regulation in certain jurisdictions. This information is not intended for distribution to, or use by, any person or entity in such jurisdictions and persons accessing these pages should inform themselves about and observe any such restrictions. If you are in any doubt as to whether this Site can be lawfully used by you please discontinue use immediately.
Terms & Conditions
The torus.com web site (Site) is provided for your information by the Torus Insurance group of companies (Torus).
The products and services descriptions included on this Site are for the sole purpose of providing a reference tool concerning the nature and type of products and services available from Torus. The information is not intended to be, nor should be, relied upon by customers or by potential customers. Torus makes no representations, guarantees or warranties about the suitability of the information contained in the documents and related graphics (material) on this Site for any purpose. All such material is subject to change without notice and provided "as is" without any guarantee of completeness, accuracy or timeliness and any warranty of any kind, express or implied, including, without limitation, the implied warranty of fitness for a particular purpose. Any opinions and estimates expressed reflect our judgement at this date and are also subject to change without notice.
In no event shall Torus be liable for any direct, indirect, consequential, punitive or other damages whatsoever, including without limitation, damages for loss of business profits, business interruption or loss of business information, even if Torus have been advised of the possibility of such damages resulting from the use of this Site.
The information made available on this Site is not intended to and does not constitute an invitation or inducement to enter into or offer to enter into any agreement in respect of any products or services provided by Torus (or any other company). In addition any products or services mentioned on this Site may be varied or discontinued at any time and without notice.
Torus is not liable for any offensive or illegal conduct of any Site visitor. Torus also makes no warranty that the Site is free from infection by viruses or anything else that has contaminating or destructive properties.
Access To This Site
Torus may at any time in its sole discretion and without notice, discontinue, remove and/or discard the Site or any content within the Site for any reason. Access to this Site is permitted on a temporary basis. Torus will not be liable if for any reason this Site is unavailable at any time or for any period.
You are responsible for making all arrangements necessary for you to have access to the Site. You are also responsible for ensuring that all persons who access the Site through your internet connection are aware of these terms, and that they comply with them.
Web Site Links
Some pages on this Site contain hypertext links to web sites not maintained by us. You are reminded that when you enter other web sites via such hypertext links, you will not be subject to these terms and conditions and you will not benefit from the protection afforded to you in using our Site. Hypertext links are provided only for your convenience and do not suggest, and should not be viewed as suggesting, any association with or endorsement of or by such linked web sites.
You may establish a link to the home page of this Site, provided you do so in a way that is fair and legal and does not damage Torus' 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. You must not establish a link from any website that is not owned by you.
This Site must not be framed on any other site, nor may you create a link to any part of this Site other than the home page. Torus reserves the right to withdraw linking permission without notice.
Personal Information
Torus will treat any personal information sent to us when you access the Site, or contact us, in accordance with our own strict privacy standards, which comply with relevant UK data protection legislation currently in force.
Any personal information received by us will only be used for correspondence and to send you information requested or for other purposes you have specifically requested. No personal information will be passed to third parties or used for any direct marketing purposes, except to the extent such disclosure is required by law or is in compliance with any legal or regulatory process.
Jurisdiction
All material on this Site is designed to comply with English law. The material is primarily directed to users in the UK and USA and other countries in which we do business. When you use the Site, you accept that your use of the Site and any information on the Site, will also be governed by English law and if any dispute arises from your use of the Site or any of the information on it, you agree to submit to the exclusive jurisdiction of the English courts.
Products described in this Site are only available in the jurisdictions where we are licensed or authorised by local law or regulation. More detailed information on licensing and authorisation can be obtained by writing to us at [email_address@torus.com].
Proprietary Rights
We, or our subsidiaries, are the owner or the licensee of all intellectual property rights in our Site, and in the material published on it. The design of this Site, and information contained within it are the property of Torus and are protected by copyright, trademark and other intellectual property and proprietary rights. All such rights are reserved.
This Site may be viewed and its contents downloaded by you for your own or your company's internal use. The Site and its contents may not be displayed, modified, transmitted, reproduced, copied, licensed, sold, broadcast, published or distributed in whole or in part in any manner without the prior written consent of Torus.
"Torus Insurance" is a European Community registered trade mark and US trade mark application of Torus Insurance Holdings Limited. "Torus" and other service marks (including logos and designs) found on this Website are marks that identify Torus and the services provided by Torus. Such trade marks and service marks may not be used under any circumstances without our prior written authorization.
Severability
To the extent that any part of this disclaimer or these terms and conditions is found to be invalid unlawful or unenforceable by any court of competent jurisdiction, then the relevant part shall be deemed to be modified to the extent required to make it valid lawful or enforceable (or shall if necessary be severed from the remaining provisions) and all other provisions shall be unaffected and shall remain in full force and effect.
Cookies
Torus may decide to collect information submitted voluntarily through "cookies". A cookie is data sent to your Internet browser from a web server and stored on your computer which may be used to store and sometimes track your preferences in order to provide you with customized and personalized services. Cookies may make it easier to use the Site and other websites by storing passwords and preferences. Cookies are used by most websites. You can adjust your browser settings to refuse all cookies or to inform you when a cookie is being placed onto your computer. Any decision not to accept cookies may diminish your experience with websites because of the additional time needed to repeatedly enter personal identifying information.
- Torus Insurance UK Limited
Company registered in England & Wales No. 6447250
VAT registration No.: 927 1664 11
FSA registration No. 476540
- Torus Insurance Marketing Limited
Company registered in England & Wales No.6414328
FSA registration No. 477771
- Torus Insurance Bermuda Limited
Company registration No. 41078
Torus Insurance UK Ltd and Torus Insurance Marketing Ltd are authorised and regulated by the Financial Services Authority and appear on the Financial Services Authority's register. Torus Insurance Bermuda is authorised by the Bermuda Monetary Authority.