Welcome to the Independent Life Direct Web site - we hope that you find our web presence an informative and enjoyable experience - could we please request that you review the following basic rules that govern your use of our Site - we have tried to keep this points to a minimum.
Please note that your use of our Site is subject to the following terms. If you do not agree with any of these terms, do not access or otherwise use this Site or any information or materials contained on the Site and, to this end, your use of the Site shall be deemed to be your agreement to abide by each of the Terms set forth below.
Jurisdiction for use
This site is intended for use only by those who can access it from within the UK.
Governing law
This site is governed by the laws of the country of the UK within which you reside and any dispute or action arising out of this site shall be determined in accordance with such laws.
Contacts
If you believe any information on this site is inaccurate or have any suggestions on how the content of this site could be improved please contact us at enquiries@ilduk.com. If you have questions on a particular product or service please use the contact details shown for that product or service.
Changes
We will update the content of this notice from time to time. Please ensure that you visit this page regularly and refresh your browser to ensure your information is up to date.
Customer responsibility
It is your responsibility to ensure that your computer is virus protected. Independent Life Direct accepts no responsibility for any loss you may suffer as a result of accessing or downloading information from this site.
Accuracy and Validity of Information
Whilst we take all reasonable steps to ensure that the information contained within these pages is accurate and up-to-date, it is nonetheless supplied on an "as is" basis and accordingly we do not accept any liability for any errors or omissions. If you are in any doubt as to the validity of information made available within these pages, we recommend you seek verification by contacting us.
Availability
Whilst we take all reasonable steps to ensure this website is always accessible we will not be held liable if, for any reason, the website is unavailable for any period. We may also have to suspend access to the website for routine or emergency updates and maintenance but we will endeavour to keep any disruption to a minimum. In addition we cannot warrant that this website will be free of viruses or defects of any description and we will not be held responsible for any technical problems you may suffer as a result of your use of this website.
Third Party Websites
This website may also contain hypertext links to websites operated by third parties. The responsibility for the operation and content of those websites shall rest solely with the organisation identified as controlling the third party website and will be governed by separate terms and conditions. Links are provided for convenience and inclusion of any link does not imply endorsement in any way of the site to which it links. We accept no responsibility or liability for the contents of any linked website.
Use of Copyrighted Content/Trademarks
The text, graphics and icons on the Site are copyrighted materials owned by or licensed to Independent Life Direct. The content contains trademarks, service marks, and trade names that are owned by Independent Life Direct and its affiliates, and may also contain brand and product names that are trademarks, service marks or trade names that are owned by their respective owners.
Any product, process or technology described in the content may be subject to other intellectual property rights that are expressly reserved by Independent Life Direct, its affiliates, or third parties.
The Content may be used for the purpose of obtaining information about Independent Life Direct and its products.
- Any copy of the Content or portion thereof must include the following copyright notice:
Copyright © 2008 Independent Life Direct - All Rights Reserved.
- Independent Life Direct reserves the right to revoke such authorization at any time, and any such use by you shall be discontinued immediately upon written notice from Independent Life Direct.
Comments and Feedback
We welcome your comments and feedback regarding our Site and insurance services.
By communicating with Independent Life Direct, you acknowledge that all information contained in any submission from you shall be deemed to be confidential within our company.
Disclaimer of Warranties
Although Independent Life Direct endeavors to provide current, accurate, and reliable information on this site, it does not warrant or make any representations regarding the accuracy, reliability, or any use of information on this site.
You acknowledge by your use of the site, that you do so at your own risk, that you assume full responsibility for all costs associated with all necessary servicing or repair of any equipment you use in connection with your use of this site, and that, to the maximum extent permitted by applicable law, Independent Life Direct and its suppliers shall not be liable for any damages of any kind related to your use of, or inability to use, this site, including without limitation, direct, indirect, special, compensatory, or consequential damages, lost profits, and/or loss of or damage to property, even if Independent Life Direct has been advised of the possibility of such damages.
Independent Life Direct does not warrant that your use of this site, or the operation or function of this site, any component thereof, or any services offered in connection therewith, will be uninterrupted or error-free; or that defects therewith will be corrected; or that this site, or its server, is free of viruses or other harmful elements. The content, drivers and any other information contained on this site are provided as is without any express, implied, or statutory warranty of any kind, including warranties of merchantability, title, noninfringement of third-party rights, or fitness for any particular purpose.
Privacy Statement
Independent Life Direct is registered with the UK Data Protection Registrar and endeavours to follow all the guidelines and rules set out in the Data Protection Act 1998.
We will not disclose your personal details to any third parties unless it is necessary to do so. On those occasions when we do need to disclose personal information, such as preparing Key Facts Illustrations for you, processing your business, or obtaining compliance and regulatory advice, we will do so on a confidential basis and in accordance with the Data Protection Act.
Privacy Policy
We have notified our processing of personal data under the Data Protection Act 1998.
We respect your personal privacy and will not use your personal information in any way that we would not accept ourselves. We have set out the following information about how we manage the personal information that we do collect.
Contact Details
If you have any comments or concerns regarding our privacy policy please contact us at enquiries@ilduk.com.
What we use personal data for
We collect personal data to enable us to identify you and to deliver personalised offers and promotions based upon your demographics and product purchase profile, and for the purposes of statistical analysis.
The information is used for system administration purposes and to form personalised profiles and demographics that we may use to improve the content of our communications to you. In order to collect customer use profiles, we may use "cookies" to store and track information about your use of Independent Life Direct.
We will use this personalised information to keep you informed of areas you may have an interest. If you would prefer not to receive communications from us, please tell us by email to enquiries@ilduk.com.
What we won't do with your personal data
We will not sell, rent or disclose your personal details to any third parties, except:
- when required to do so by law
- in response to a valid legal request by a law enforcement officer or government agency
- when you have explicitly or implicitly given your consent
Access to personal data
Under the Data Protection Act 1998 we are entitled to charge an administration fee for answering your request of £10. All requests for copies of personal information should be made in writing accompanied by the administration charge to Independent Life Direct.
