Terms and Conditions

Legal
These Terms and Conditions of Use and our Privacy Policy (together the ‘Terms and Conditions’) apply to your use of the domain 2ndguards.com (the ‘Website’) and all sub-domains of the Website. Information about our use of Cookies can be found in our Cookie Policy. Please read the Terms and Conditions carefully.

By proceeding with access to the Website you are deemed to have accepted the Terms and Conditions. If you do not agree with the Terms and Conditions, then please refrain from accessing or using the Website.

Please note that the Website is intended for use by residents of the United Kingdom whilst in the United Kingdom only. It is not applicable to residents or investors of other countries because the law in other countries may restrict the distribution of the information and products on the Website. For the avoidance of doubt none of the information on the Website constitutes an offer to contract in any country in which it is accessed, including (without limitation), the United Kingdom.

We may revise the Terms and Conditions of Use at any time by amending this page. You are expected to check this page from time to time to take notice of any changes we make, as they are binding on you.

General
The Website is provided by 2ndguards UK a public company limited by shares incorporated in England and Wales.

Some of the information available on the Website has been provided by other companies within the 2ndguards Group of companies in the United Kingdom. Separate terms and conditions govern that information and these terms and conditions are available when you access the relevant pages within the websites of those companies.

The Website may also contain hypertext or other links to websites operated by other third parties. The responsibility for those websites belongs to the third parties who are identified as operating those websites. Separate terms and conditions will apply to those websites and you are encouraged to read those if you access those links.

Availability
2ndguards UK will endeavour to ensure that the 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. 2ndguards UK will have the right to suspend access to or withdraw this website temporarily or permanently and without notice.

2ndguards UK will not be liable for any loss or damage arising in contract‚ tort or otherwise if the Website is unavailable or suspended for any reason.

Information
The information contained on the Website is provided for information purposes only and 2ndguards UK will use reasonable care and skill to ensure that it is accurate at the date of publication. However‚ because of the nature of the Internet‚ there may be circumstances in which errors occur within the information. Consequently, 2ndguards UK makes no warranty or guarantee as to the accuracy of any information on the Website and cannot accept liability for any errors or omissions within it.

Reliance on information posted
Commentary and other materials posted on the Website is not intended to amount to advice on which reliance should be placed. 2ndguards UK accepts no responsibility or liability arising from any reliance placed on such materials by you or by any third party who may be informed by any of its contents.

Security
2ndguards UK will take all reasonable steps to ensure that any information you provide via e-mail and / or via the Website is kept secure‚ but please remember that‚ because of the nature of the Internet‚ the security of emails cannot be guaranteed. Consequently, your privacy of your data in such email correspondence cannot be guaranteed. There is no guarantee that any emails that you send to us will be received by us.

We process information about you in accordance with our Privacy Statement. By using the Website, you consent to such processing and you warrant that all data provided by you is accurate.

Additional information regarding the security of personal data‚ and the use of cookies is available in our Privacy Statement.

Liability
2ndguards UK shall not be liable for any loss of use, profits, savings or data or any indirect, special or consequential damages or losses, whether such losses arise in contract, negligence or tort, including without limitation, any losses in relation to your use of, reliance upon or inability to use the Website.

2ndguards UK cannot warrant that the Website is free of viruses or technical defects of any description‚ and accepts no responsibility for any technical problems arising from your use of the Website.

We will not be liable for any loss or damage caused by a distributed denial-of-service attack, viruses or other technologically harmful material that may infect your computer equipment, computer programs, data or other proprietary material due to your use of the Website or to your downloading of any material posted on it or on any website linked to it.

Linking to the Website
You may link to the website, provided you do so in a way that is fair and legal does not damage our 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.

The Website must not be framed on any other website, nor may you create a link to any part of our website other than the Website. 2ndguards UK reserves the right to withdraw linking permission without notice. Our status (and that of any identified contributors) must always be acknowledged as the authors of material on the Website.

Hypertext links from the Website
The Website may contain links to other websites which are outside our control and are not covered by the Terms and Conditions. Where the Website contains links to other websites and resources provided by third parties, these links are provided for your information only. We have no control over the contents of those websites or resources and accept no responsibility for them or for any loss or damage that may arise from your use of them. You should read carefully and agree with the terms and conditions of third party websites before using them.

If you access other websites using the links provided, the operators of those sites may collect information from you which will be used by them in accordance with their own privacy policy, which may differ from ours.

Posting material
2ndguards UK accepts no responsibility or liability to any third party in relation to the content or accuracy of any information or materials posted by you onto the Website or any information posted on external websites. 2ndguards UK retains the right to remove any information or materials posted by you on the Website if such information or material is or is likely to be offensive, illegal, harmful, or threatening and / or belongs to someone else. Unless otherwise stated any views expressed are of individuals contributors and not of 2ndguards UK.

Offences
You must not misuse the Website by knowingly introducing viruses, trojans, worms or other material which is malicious or harmful. You must not attempt to gain unauthorised access to the Website, the server on which the Website is stored or any server, computer or database connected to the Website.

Making a complaint
2ndguards aims to provide the highest standard of service to every customer.

If our service does not meet your expectations we want to hear about it so we can try to put things right.

All complaints we receive are taken seriously. Following the steps below will help us understand your concerns and give you a fair response.

We will aim to resolve your complaint as quickly as possible. If we can’t find a resolution within 3 days of you registering a complaint and we need to make further enquiries, we will:

Provide a written acknowledgment of your complaint within five working days of receipt.
Provide details outlining our process and how you can contact us.
In these circumstances, we aim to resolve your complaint as quickly as we can. However, if we are unable to do this within eight weeks, we will write explaining what is happening and when we expect to have an answer.

How to make your complaint
The majority of complaints can be resolved quickly and satisfactorily by the department you are dealing with.

Telephone contact is often the most effective way to resolve complaints quickly.

Alternatively you can write to us.

When you make contact please tell us the following information

Name address and postcode, telephone number and e-mail address (if you have one).
Your policy and/or claim number, and the type of policy you hold.
The name of your insurance agent/firm (if applicable).
The reason for your complaint.
Any written correspondence should be headed ‘complaint’ and you may include copies of supporting material.

Aggressive or abusive behaviour
We won’t accept aggressive, threatening or abusive behaviour over the phone, online, or in writing. This includes:

Threats of physical violence.
Behaviour or language that may cause someone to feel threatened or distressed.
Comments or remarks which are sexual, racial, or about religious beliefs or culture.
Bullying or swearing.
If you (or someone acting on your behalf) are abusive when speaking to or messaging us or our trusted suppliers, we may:

End the current call or conversation with you. We’ll always warn you first.
Block any further phone calls, emails or social media contact. If you do still get in touch, we may not answer your message.
Limit contact with you to one type of communication. For example, by letter only.
Limit our contact with you to one member of staff only.
Not offer you a renewal of your policy.
Cancel your insurance policy, giving you 7 days’ notice.
You must not attack the Website
By breaching this provision you may commit a criminal offence under the Computer Misuse Act 1990. We may report any such offence to the relevant law enforcement authorities and we will cooperate with those authorities by disclosing your identity to those authorities.

We will not be liable for any loss or damage caused by malicious or harmful material that may infect your computer, your computer equipment, computer programs, data or other proprietary material as a result of your use of the Website or as a result of you downloading any material posted on them or downloading any material from any website linked to them.

Applicable law
2ndguards UK has established the Website in England. We have chosen the laws of England and Wales to apply to the Website and for any dispute to be heard by the Courts of England and Wales. However, 2ndguards UK recognises that you are free to choose the laws and jurisdiction of Scotland or Northern Ireland if you are resident there and wish to do so.