Terms of Website Use

Terms of Website Use

This page (together with the documents referred to on it) tells you of the terms of use on which you may make use of our website www.lifecover.com (our site) whether as a guest or a registered user.

Please read these terms of use carefully before you start to use the site. By using our site, you indicate that you accept these terms of use and you agree to abide by them. If you do not agree to these terms of use, please refrain from using our site.

Information about us

ARC Finance Group Ltd, trading as LifeCover.Com , is authorised and regulated by the Financial Conduct Authority.

ARC Finance Group Ltd is a limited company registered in England and Wales. Registered number: 6477618. Registered Office: Power House, 20 Haughton Road, Darlington, County Durham, DL1 1ST.

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 to our site without notice (see below). We will not be liable if, for any reason, our site is unavailable at any time for any period.

From time to time we may restrict access to some parts of our site to users who have registered with us.

We have the right to access to the site, if, in our opinion, you have failed to comply with any of the provisions of these terms of use.

Reliance on information

Commentary and other materials posted on 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.

Content and information supplied by third parties other than Sparky Media PC is identified clearly where it appears. We will publish this content as supplied to us and we are not responsible for its accuracy or timeliness. You must take appropriate steps to verify this information before acting upon it.

Our liability

The material displayed on our site, is provided without any guarantees, conditions or warranties as to its accuracy. To the extent permitted by law, we, other members of our group of companies and third parties connected to us hereby exclude:

All conditions, warranties and other terms which might otherwise be implied by statute, common law or law of equity. Any liability for any direct, indirect or consequential loss or damage incurred by any user in connection with our site or in connection with the use, inability to use or results of the use of our site, any websites linked to it and any materials posted on it, including, without limitation liability for:

· Loss of income or revenue

· Loss of business

· Loss of profits or contracts

· Loss of anticipated savings

· Loss of data

· Loss of goodwill

· Wasted management or office time

For any other loss or damage of any kind, howsoever arising and whether caused by torte (including negligence), breach of contract or otherwise, even if foreseeable.

This does not affect our liability which cannot be excluded or limited under applicable law.

Intellectual property rights

We own the copyright in the content published on the website except where otherwise indicated by a third party’s proprietary notice. Images, trademarks and brands are also protected by other intellectual property laws and may not be reproduced or appropriated in any manner without written permission of their respective owners unless specifically prohibited by a notice published on any page, you may make a print copy of such parts of the website as you may reasonably require for your own personal use provided that any copy has attached to it any relevant proprietary notices and/or disclaimers. All other use is prohibited.

Transactions concluded through our site

Contracts for the supply of services or information formed through our site or as a result of visits made by you are governed by any specific terms and conditions of supply relating to the particular service or information supplied.

Information about you and your visits to our site

We process information about you in accordance with our privacy policy. By using our site, you consent to such processing and you warrant that all data provided by you is accurate.

Testimonials

Identities and images shown with testimonials may have been changed to protect the privacy of the individuals. All comments within any testimonials used have been used with the permission of the individual clients who gave them.

Links from our site

Where our site contains links to other sites and resources provided by 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 programmes, data or other proprietary material due to your use of our site or to your downloading of any material posted on it, or any website linked to it.

Our site changes regularly

We aim to update our site regularly and 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.

Revision of terms

We may revise these terms 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 have made, as they are binding on you. Some of the provisions contained in these terms of use may also be superseded by provisions or notices published elsewhere on our site.

The Jersey courts will have exclusive jurisdiction over any claim arising from, or relating to, a visit to our site. These terms of use are governed by Jersey Law.

Other websites

Our website contains links to other websites. This privacy policy only applies to this website so when you link to other websites you should read their own privacy policies.

Your concerns

By post:

Arc Protect
20 Haughton Road
Darlington
County Durham
DL1 1ST.

By email:contactus@arc-protect.com

We will try to reply to your email address unless we need to refer to confidential information or enclose copies of important documents, in which case we will contact you by post.

Timescales

We will do our best to resolve your complaint immediately. Failing that, we always aim to resolve your complaint by the following day.

Sometimes it may take longer to fully investigate your concerns. Where this is the case, this is what we will do:

· We will send you a written acknowledgement of your complaint as promptly as possible.

· We will inform you of the name of the person handling your complaint and the reason it is taking longer and when you can expect a full response.

· If your complaint will take longer to investigate, we aim to find a solution as soon as we can. If we are unable to do so, we will write explaining what is happening and when we expect to resolve your complaint.

· After eight weeks we will send you a final response or a thorough progress report.

· We will keep you informed of what is being done to resolve your concerns at every step.

We aim to resolve complaints as quickly as possible and to your complete satisfaction. If, for whatever reason, you are unhappy with the response from us please get in touch directly with the person handling your complaint. They will then agree the next steps with you.

Independent Review of your Complaint

If you remain dissatisfied, you can request a free independent review from the Finance Ombudsman Service. They can be contacted;

By Post:

The Financial Ombudsman Service

South Quay Plaza, 183 Marsh Wall
London
E14 9SR

By phone: 0300 123 9 123

By email: complaint.info@financial-ombudsman.org.uk

Website: www.financial-ombudsman.org.uk

Changes to our privacy policy

We keep our privacy policy under regular review and we will place any updates on this we b page. This privacy policy was last updated on 30th April 2018.

Contact us

By post:

Arc Protect
20 Haughton Road
Darlington
County Durham
DL1 1ST.

By email: contactus@arc-protect.com

We will try to reply to your email address unless we need to refer to confidential information or enclose copies of important documents, in which case we will contact you by post.