Conditions of website use
These are the terms and conditions which apply to your use of this website. Please read them carefully. By proceeding with access to this website you are deemed to have accepted these terms and conditions.
Please note that this website is intended for use by residents of the United Kingdom whilst in the United Kingdom only. It is not applicable to residents/investors of other countries because the law in other countries may restrict the distribution of the information and products on this website. For the avoidance of doubt none of the information on this website constitutes an offer to contract in any country in which it is available including the UK. This notice is issued by FM Insurance Company Limited.
1.1 You may access most areas of the Website without registering your details with us. Certain areas of the Website are only open to you if you register.
1.2 By accessing any part of the Website, you shall be deemed to have accepted this legal notice in full. If you do not accept this legal notice in full, you must leave the Website immediately.
1.3 The Company may revise this legal notice at any time by updating this posting. You should check the Website from time to time to review the then current legal notice, because it is binding on you. Certain provisions of this legal notice may be superseded by expressly designated legal notices or terms located on particular pages at the Website.
This site is provided by FM Insurance Company Limited 1 Windsor Dials, Windsor, Berkshire, UK, SL4 1RS. Registered company number 755780.
Some of the information available on this website has been provided by other companies within the FM Group of Companies. Separate terms and conditions govern that information and these are available when you access the relevant pages within the websites of those companies.
This website may also contain hypertext 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 also apply to those websites.
FM Insurance UK will endeavour to ensure that this 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. FM Insurance UK will have the right to suspend access to the site temporarily or permanently and without notice.
FM Insurance UK will not be liable for any loss or damage arising in contract‚ tort or otherwise if this website is unavailable or is suspended for any reason.
Licence to use material
FM Insurance Company Limited and its logo are the registered trademarks in the UK and other countries of FM Global Limited. The copyright and the content and images in the site belong to FM or the images and content are used by FM with the permission of the Copyright owner. Note that we are not the owner of copyright in any site linked to our site and you should seek permission from the site owners before copying any materials from them.
You are permitted to print and download extracts from the FM Website [for your own use] on the following basis:
(a) No documents or related graphics on the Website are modified in any way;
(b) No graphics on the Website are used separately from the corresponding text; and
(c) The Company's copyright and trade mark notices and this permission notice appear in all copies.
Unless otherwise stated, the copyright and other intellectual property rights in all material on the Website (including without limitation photographs and graphical images) are owned by the Company or its licensors. For the purposes of this legal notice, any use of extracts from the FM Website, other than in accordance with the condition stated above, for any purpose is prohibited. If you breach any of the terms in this legal notice, your permission to use the FM Website automatically terminates and you must immediately destroy any downloaded or printed extracts from the FM Website.
No part of the Website may be reproduced or stored in any other website or included in any public or private electronic retrieval system or service without the Company's prior written permission.
Any rights not expressly granted in these terms are reserved.
Visitor Material and Conduct
You are prohibited from posting or transmitting to or from the FM Website any material:
(a) that is threatening, defamatory, obscene, indecent, seditious, offensive, pornographic, abusive, liable to incite racial hatred, discriminatory, menacing, scandalous, inflammatory, blasphemous, in breach of confidence, in breach of privacy or which may cause annoyance or inconvenience;
(b) for which you have not obtained all necessary licences and/or approvals; or
(c) which constitutes or encourages conduct that would be considered a criminal offence, give rise to civil liability, or otherwise be contrary to the law of or infringe the rights of any third party, in any country in the world; or
(d) which is technically harmful (including, without limitation, computer viruses, logic bombs, Trojan horses, worms, harmful components, corrupted data or other malicious software or harmful data
FM Insurance shall fully co-operate with any law enforcement authorities or court order requesting or directing the Company to disclose the identity or locate anyone posting any material in breach of terms of visitor material and conduct.