Website Terms & Conditions

Howden Specialty Luxembourg S.à.r.l is an insurance broker subject to the supervision of the Commissariat aux Assurances in Luxembourg, 11 Rue Robert Stumper, 2557 Gasperich Luxembourg.

Howden Specialty Luxembourg S.à.r.l’s activities consist in the insurance intermediation.

This page (together with the documents referred to in it) is subject to the general terms and conditions (“Terms and Conditions”) which apply to our Group domain www.howdengroup.com  (the “Site”) and all sub domains of the Site. Both this Page and the Site are operated by Howden Broking. Please read these terms and conditions carefully.

By using them, you are deemed to have accepted these and the Group’s Terms and Conditions. If you do not agree to them, please refrain from accessing or using them.

We may amend the Page or the Site’s Terms and Conditions at any time. You are expected to check them from time to time to take notice of any changes we make, as they are binding on you. If you have any enquiries or complaints (about the Page/Site or someone else’s use of the Page/Site) then address them to: [email protected] or

Howden Insurance Brokers Limited
One Creechurch Place
London
EC3A 5AF
T: +44 (0) 20 7623 3806
F: +44 (0) 20 7623 3807

Definitions
Howden Specialty Luxembourg S.à.r.l. is a private limited company registered at 2 Rue des Girondins, L-1626 (with registration number B232065).

Howden Broking is a private limited company registered at One Creechurch Place, London EC3A 5AF (with registration number 725875).

“We”, “our”, “Howden” means Howden Specialty Luxembourg  S.à.r.l. and/or Howden Insurance Brokers Limited, “Howden Broking” means Howden Insurance Brokers Limited, “Group” means Howden and its subsidiaries, “material” means the contents of this page and the Site, including, but not limited to, text, graphics, logos, links, codes and data.

Accessing the Page/Site
Howden Broking will endeavour to ensure that this Page and the Site is accessible for 24 hours a day but will not be liable if‚ for any reason‚ this Page and/or the Site is unavailable for any time or for any period. Howden will have the right to suspend access to or withdraw or restrict access to some parts of those websites temporarily or permanently and without notice.

Howden will not be liable for any loss or damage arising in contract‚ tort or otherwise if those websites are unavailable or suspended for any reason.

You are responsible for making all arrangements necessary for you to have access to those websites. You are also responsible for ensuring that all persons who access those websites through your internet connection are aware of these terms, and that they comply with them.

What you are allowed to do:
You may only use this Page and/or the Site for personal use and when accessing them you must comply with the provisions of these Terms and Conditions and any other policies that are on this Page and/or the Site and/or which apply to the use of particular parts of the Page/Site and/or products and services which are available from time-to-time.

You must only use the Page and/or the Site and anything available from the Page and/or the Site for lawful purposes, and you must comply with all applicable laws, statutes and regulations.

What you are not allowed to do:
Except to the extent expressly set out in these terms, you are not allowed to:
(i)make any copies of any part of the Page/Site; or
(ii)remove or change anything on the Page/Site; or
(iii)remove or change any copyright, trade mark or other intellectual property right notices contained in the original material or that printed off from the Page/Site; or
(iv)modify the paper or digital copies of any materials you have printed off or downloaded in any way, and you must not use any illustrations, photographs, video or audio sequences or any graphics separately from any accompanying text; or
use any part of the materials on the Page/Site for commercial purposes without obtaining a licence to do so from us or our licensors.

If you print off, copy or download any part of the Page/Site in breach of these terms of use, your right to use the Page/Site will cease immediately and you must, at our option, return or destroy any copies of the materials you have made.

Intellectual Property Rights
All intellectual property rights in the Page/Site and in any material published on it (including but not limited to text, video, photographs and other images and sound, trademarks and logos) contained in the Page/Site are owned by Howden, members of its group or third parties. Those works are protected by copyright laws and treaties around the world. All such rights are reserved.

Warranty and liability
We do not warrant that:  -this Page/Site will continue to be made available in its current or other form; Howden may make changes to the material on the Page/Site at any time without notice.
 -the material of whatsoever nature available on this Page/Site or downloaded from it will be free from viruses or defects, compatible with your equipment or fit for any purpose.
As we cannot guarantee that all data is free from viruses, you are advised to scan all downloaded information for viruses. It is your responsibility to use suitable anti-virus software on any material that you may download from this Page/Site and to ensure the compatibility of such software or material with your equipment; 
The editorial content of any other site to which you have gained access by means of any hyperlinks published on the Page/Site remains the responsibility of the provider of that other website.

Howden will not be liable to you, for any loss or damage whatsoever suffered by you arising from:
- any computer virus or other bug transmitted through this Page/Site;
-your use or inability to use this Page/Site at any time;
-your use of and/or reliance on other sites to which you have gained access by means of hyperlinks published on this Page/Site;

Intellectual Property Rights
All intellectual data/material published on the Page/Site is protected by copyright laws around the world. All such rights are reserved. Any use of extracts from this Page/Site is strictly prohibited. 

Personal data and Data Protection
Howden will take all reasonable steps to ensure that any information you provide via e-mail and / or via the Page/Site is kept secure. We process information about you in accordance with our privacy policy Privacy Notice - Howden Specialty Luxembourg.pdf (howdengroup.com) 

General
You should check these Terms and Conditions each time you revisit the Page/Site. These Terms and Conditions form the entire understanding of the parties and supersede all previous agreements, understandings and representations relating to the subject matter. If any provision of these Terms and Conditions is found to be unenforceable, this shall not affect the validity of any other provision of these Terms and Conditions. Howden may delay enforcing its rights under these Terms and Conditions without losing them. Howden will not be liable to you for any breach of these Terms and Conditions which arises because of any circumstances which Howden cannot reasonably be expected to control. You agree that Howden may sub-contract the performance of any of its obligations or may assign these Terms and Conditions or any of its rights or obligations without giving you notice.

Governing Law and Jurisdiction
The Terms and Conditions of this Page shall be governed by the law of Luxembourg, and you consent to the exclusive jurisdiction of the courts of Luxembourg in respect of these Terms and Conditions and any dispute relating to them.

The Courts of Luxembourg will have exclusive jurisdiction over any claim arising from, or related to, a visit to the Page although we retain the right to bring proceedings against you for breach of these conditions in your country of residence or any other relevant country.