TERMS OF WEBSITE USE
If you have provided any personal details and those details subsequently change, you should notify us by e-mailing email@example.com
INFORMATION ABOUT US
Life Cover for All LLP (we) are a limited liability partnership registered in England and Wales under number OC359631and is an Appointed Representative of Access Wealth Management registered office is at Station House, Station Road, Wylam Northumberland, NE41 8HR , which is authorised and regulated by the Financial Services Authority
If you need to contact us please write to us at the above address or send an e-mail to firstname.lastname@example.org.
ACCESSING OUR SITE
Access to our site is permitted on a temporary basis, and we reserve the right to withdraw or amend the service we provide on our site without notice (see below). We will not be liable if for any reason our site is unavailable at any time or for any period.
We restrict access to some parts of our site to our clients and, from time to time, we may change the restricted areas or restrict access to the entire site.
You are responsible for making all arrangements necessary for you to have access to our site. You are also responsible for ensuring that all persons who access our site through your internet connection are aware of these terms, and that they comply with them.
INTELLECTUAL PROPERTY RIGHTS
We are the owner or the licensee of all intellectual property rights in our site, and in the material published on it. Those works are protected by copyright laws and treaties around the world. All such rights are reserved.
Non-clients may print off one copy, and may download extracts, of any page(s) from the public areas of our site for personal reference and draw the attention of others within their organisation to material posted on our site.
Non-clients must not modify the paper or digital copies of any materials that they have printed off or downloaded in any way, and must not use any illustrations, photographs, video or audio sequences or any graphics separately from any accompanying text.
Non-clients must not use any part of the materials on our site for commercial purposes unless they have obtained a licence to do so from our licensors or us.
The materials and information available in the client only area of our site shall form part of the service which we provide to our clients pursuant to their service agreement. Clients may use the materials available in the client only areas in strict accordance with their service agreement.
Our status (and that of any identified contributors) as the authors of material on our site must always be acknowledged.
OUR SITE CHANGES REGULARLY
We aim to update our site regularly, and may change the content at any time. If the need arises, we may suspend access to our site, or close it indefinitely. Any of the material on our site may be out of date at any given time, and we are under no obligation to update such material but we shall endeavour to make you aware of when the material was originally posted and last updated.
INFORMATION ABOUT YOU AND YOUR VISITS TO OUR SITE
In relation to our recruitment service we accept no responsibility for either the hirer or the jobseeker and we have no authority as an employment agency and do not effect introductions between hirers and jobseekers.
LINKING TO OUR SITE
You may link to our home page, provided you do so in a way that is fair and legal and 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 without our express consent. You must not establish a link from any website that is not owned by you.
Subject to your right to make use of any web and/or rss feeds that we may make available from time to time; our site must not be framed on any other site, nor may you create a link to any part of our site other than the home page without our consent. We reserve the right to withdraw linking permission without notice.
If you wish to make any use of material on our site other than that set out above, please address your request to email@example.com
LINKS FROM OUR SITE
Where our site contains links to other sites and resources provided by our clients or other third parties, these links are provided for your information only. We have no control over the contents of those sites or resources, and accept no responsibility for them or for any loss or damage that may arise from your use of them.
VIRUSES, HACKING AND OTHER OFFENCES
You must not misuse our site by knowingly introducing viruses, trojans, worms, logic bombs or other material which is malicious or technologically harmful. You must not attempt to gain unauthorised access to our site, the server on which our site is stored or any server, computer or database connected to our site. You must not attack our site via a denial-of-service attack or a distributed denial-of service attack.
By breaching this provision, you would commit a criminal offence under the Computer Misuse Act 1990. We will report any such breach to the relevant law enforcement authorities and we will co-operate with those authorities by disclosing your identity to them. In the event of such a breach, your right to use our site will cease immediately.
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 our site or to your downloading of any material posted on it, or on any website linked to it.
Life cover for All and www.lifecoverforall.co.uk and all related names and logos are trade marks of Life Cover for All LLP.
IFA Zone ( Independent Financial Adviser Zone)
The IFA Zone areas of our site are made available to our as part of their service and the use of the materials made available in those areas is governed by the service agreement between us and each member.
If you are an IFA and wish to become a member you should contact us at the address set out in the “Information About Us” section or e-mail us at firstname.lastname@example.org. The services that we make available to our clients are set out here.
We reserve the right to suspend or cancel your access to the client areas of our site if you fail to make any payments due in respect of your service or your service agreement is terminated for any other reason.
You must not permit or assist any third party who is not an IFA access the IFA Zone areas. If you believe someone may be using your user identification code and password fraudulently you should notify us immediately by e-mailing email@example.com
LIMITATION OF LIABILITY
Commentary and other materials posted on the public areas of our site are not intended to amount to advice on which reliance should be placed. We therefore disclaim all liability and responsibility arising from any reliance placed on such materials by any visitor to our site, or by anyone who may be informed of any of its contents.
The information and materials posted on the client only areas of our site form part of the service that we provide to our clients pursuant to their service agreement. In particular the extent of our liability in respect of your reliance upon any advice given via our site or information or materials posted on our site is governed by your service agreement and in particular the clause relating to the limitation of liability.
In addition, we do not warrant that our site or its contents are virus free or that the client only areas are compatible with your software or computer configuration. We accept no liability for any loss or damage of whatever nature you may suffer in the event of an infection or contamination by a virus or similar computer code designed to adversely affect the operation of any computer software or hardware. You are solely responsible for protecting your hardware, software and system from such attacks.
Nothing herein will be deemed to create a partnership or joint venture between us. Neither of us shall have the authority to bind the other or to contract in the name of or create a liability against the other in any way for any purpose.
A person who is not a party to our agreement has no right under the Contracts (Rights of Third Parties) Act 1999 to rely upon or enforce any term of our agreement but this does not affect any right or remedy of a third party which exists or is available apart from that Act.
JURISDICTION AND APPLICABLE LAW
Thank you for visiting our site.
Life Cover for All is committed to providing you with consistently high level of service, as well as protecting your privacy. Life Cover for All is fully committed to providing you with a personalised service that meets your expectations and safeguards your privacy.The following policy statement outlines how we may collect and use information about you and gives certain assurances on things we will not do.
We may collect personal information about you from sources (if available) including:
(1) when you contact us with an enquiry or in response to a communication from us;
(2) from publicly available sources such as the electoral role;
(3) from referencing agencies that may verify your identity, in accordance with the JMLSG Guidance, by using Life Cover for All you agree to allow us to use Veriphy
For the purpose of the Data Protection Act 1998 (the Act), Life Cover for All LLP, Station House, Station Road, Wylam Northumberland, NE41 8HR is the data controller.
INFORMATION WE MAY COLLECT FROM YOU
We may collect and process the following data about you:
Information that you provide to us by filling in forms on our site or that you e-mail to us. This includes information provided when you subscribe and/or register for any service that we may provide via our site from time to time or when you report a problem with our site.
If you contact us, we may keep a record of that correspondence.
We may also ask you to complete surveys that we use for research purposes, although you do not have to respond to them.
Details of your visits to our site including, but not limited to, traffic data, location data, weblogs and other communication data and the resources that you access.
IP ADDRESSES, COOKIES AND WEB BEACONS
We may collect information about your computer, including where available your IP address, operating system and browser type, for system administration, to improve the structure and content of our site and to report aggregate information to our advertisers and our members. This is statistical data about our users’ browsing actions and patterns, and does not identify any inpidual.
A cookie is a text-only string of information that a website transfers to the cookie file of the browser on your computer's hard disk so that the website can remember who you are.
A cookie will typically contain the name of the domain from which the cookie has come, the "lifetime" of the cookie, and a value, usually a randomly generated unique number.
Two types of cookies are used by us on our site:
• Session Cookies: which are temporary cookies that remain in the cookie file of your browser until you leave the site; and
• Persistent cookies: which remain in the cookie file of your browser for much longer (though how long will depend on the lifetime of the specific cookie).
Session Cookies allow you to carry information across pages of our site and avoid having to re-enter information and to allow you to access stored information.
Persistent Cookies help us recognise you as a unique visitor (just a number) when you return to our website and to allow us to tailor content or advertisements to match your preferred interests or to avoid showing you the same adverts repeatedly.
Our website may contain electronic images known as web beacons which allows us to count users who have visited those pages and deliver co-branded services. Web beacons are not used to access your personally identifiable information on our site. They are a technique to compile aggregated statistics about our website’s usage. Web beacons collect only a limited set of information including a cookie number, time and date of a page view and a description of the page on which the web beacon resides.
WHERE WE STORE YOUR PERSONAL DATA
All information you provide to us is stored on our secure servers. Where we have given you (or where you have chosen) a password which enables you to access certain parts of our site, you are responsible for keeping this password confidential. We ask you not to share a password with anyone.
Unfortunately, the transmission of information via the internet is not completely secure. Athough we will do our best to protect your personal data, we cannot guarantee the security of your data transmitted to our site; any transmission is at your own risk. Once we have received your information, we will use strict procedures and security features to try to prevent unauthorised access.
USES MADE OF THE INFORMATION
We use information held about you in the following ways:
• To ensure that content from our site is presented in the most effective manner for you and for your computer.
• Where you have consented to be contacted for such purposes, to provide you with information or services that you request from us or which we feel may interest you.
• To carry out our obligations arising from any contracts entered into between you and us.
• To allow you to participate in any interactive features which may offer on our site from time to time, when you choose to do so.
• To notify you about changes to our service.
We do not disclose information about identifiable inpiduals to our advertisers, but we may provide them with aggregate information about our users (for example, we may inform them that 500 men aged under 30 have clicked on their advertisement on any given day). We may also use such aggregate information to help advertisers reach the kind of audience they want to target (for example, women in L1). We may make use of the personal data we have collected from you to enable us to comply with our advertisers‘ wishes by displaying their advertisement to that target audience.
We advertise details of job opportunities on our website. If you apply for one of the positions we may ask you to provide further information about yourself so that we, and/or the relevant member, can contact you. These details together with any details you provide in a CV or application form will be treated as confidential and we will not allow employers to see any of your details without your prior consent.
DISCLOSURE OF YOUR INFORMATION
We may disclose your personal information to third parties:
• If you have given your consent for us to do so for marketing or other specified purposes.
• In the event that we sell or buy any business or assets, in which case we may disclose your personal data to the prospective seller or buyer of such business or assets.
You have the right to ask us not to process your personal data for marketing purposes. We will usually inform you (before collecting your data) if we intend to use your data for such purposes or if we intend to disclose your information to any third party for such purposes. You can exercise your right to prevent such processing by refusing your consent at the time of collection or at any other time by contacting us at firstname.lastname@example.org
Our site may, from time to time, contain links to and from the websites of our members, advertisers and affiliates. If you follow a link to any of these websites, please note that these websites have their own privacy policies and that we do not accept any responsibility or liability for these policies. Please check these policies before you submit any personal data to these websites.
ACCESS TO INFORMATION
The Act gives you the right to access information held about you. Your right of access can be exercised in accordance with the Act. Any access request may be subject to a fee of £10 to meet our costs in providing you with details of the information we hold about you.
Life Cover For All LLP (Registered in England under company Reg No OC359631) is an Appointed Representative of
Access Wealth Management, The Beacon, Beaufront Park, Anick Road, Hexham, Northumberland, NE46 4TU
which is authorised and regulated by the Financial Conduct Authority