This page informs you of our policies regarding the collection, use and disclosure of Personal Information we receive from users of the Site.
We use your Personal Information only for providing and improving the Site. By using the Site, you agree to the collection and use of information in accordance with this policy.
Information Collection And Use
While using our Site, we may ask you to provide us with certain personally identifiable information that can be used to contact or identify you. Personally identifiable information may include, but is not limited to your name (“Personal Information”).
Cookies are files with small amount of data, which may include an anonymous unique identifier. Cookies are sent to your browser from a web site and stored on your computer’s hard drive. Like many sites, we use “cookies” to collect information. You can instruct your browser to refuse all cookies or to indicate when a cookie is being sent. However, if you do not accept cookies, you may not be able to use some portions of our Site.
The security of your Personal Information is important to us, but remember that no method of transmission over the Internet, or method of electronic storage, is 100% secure. While we strive to use commercially acceptable means to protect your Personal Information, we cannot guarantee its absolute security.
Terms & Conditions
These terms and conditions govern your use of this website; by using this website, you accept these terms and conditions in full. If you disagree with these terms and conditions or any part of these terms and conditions, you must not use this website.
You must be at least  years of age to use this website. By using this website [and by agreeing to these terms and conditions] you warrant and represent that you are at least  years of age.
License to use website
Any of the trademarks, service marks, collective marks, design rights or similar rights that are mentioned, used or cited in the articles at https://www.bgainsurance.net/ are the property of their respective owners.
Unless otherwise stated, BGA Insurance Group and/or its licensors own the intellectual property rights in the website and material on the website. Subject to the license below, all these intellectual property rights reserved.
You may view, download for caching purposes only, and print pages [or [OTHER CONTENT]] from the website for your own personal use, subject to the restrictions set out below and elsewhere in these terms and conditions.
You must not:
republish material from this website (including republication on another website);
sell, rent or sub-license material from the website;
show any material from the website in public;
reproduce, duplicate, copy or otherwise exploit material on this website for a commercial purpose;] [edit or otherwise modify any material on the website; or] [redistribute material from this website [except for content specifically and expressly made available for redistribution].] [Where content is specifically made available for redistribution, it may only be redistributed [within your ].]
You must not use this website in any way that causes, or may cause, damage to the website or impairment of the availability or accessibility of the website; or in any way which is unlawful, illegal, fraudulent or harmful, or in connection with any unlawful, illegal, fraudulent or harmful purpose or activity.
You must not use this website to copy, store, host, transmit, send, use, publish or distribute any material which consists of (or is linked to) any spyware, computer virus, Trojan horse, worm, keystroke logger, rootkit or other malicious computer software.
You must not conduct any systematic or automated data collection activities (including without limitation scraping, data mining, data and data harvesting) on or in relation to this website without BGA Insurance Group express written consent.[You must not use this website to transmit or send unsolicited commercial communications.] [You must not use this website for any purposes related to marketing without BGA Insurance Group express written consent.] [Restricted access [Access to certain areas of this website is restricted.] BGA Insurance Group reserves the right to restrict access to [other] areas of this website, or indeed this entire website, at BGA Insurance Group discretion.
If BGA Insurance Group provides you with a user ID and password to enable you to access restricted areas of this website or other content or services, you must ensure that the user ID and password are kept confidential.[BGA Insurance Group may disable your user ID and password in BGA Insurance Group sole discretion without notice or explanation.]
In these terms and conditions, “your user content” means material (including without limitation text, images, audio material, video material and audio-visual material) that you submit to this website, for whatever purpose.
You grant to BGA Insurance Group a worldwide, irrevocable, non-exclusive, royalty-free license to use, reproduce, adapt, publish, translate and distribute your user content in any existing or future media. You also grant to BGA Insurance Group the right to sub-license these rights, and the right to bring an action for infringement of these rights.
Your user content must not be illegal or unlawful, must not infringe any third party’s legal rights, and must not be capable of giving rise to legal action whether against you or BGA Insurance Group or a third party (in each case under any applicable law).
You must not submit any user content to the website that is or has ever been the subject of any threatened or actual legal proceedings or .
BGA Insurance Group reserves the right to edit or remove any material submitted to this website, or stored on BGA Insurance Group servers, or hosted or published upon this website.[Notwithstanding BGA Insurance Group rights under these terms and conditions in relation to user content, BGA Insurance Group does not undertake to monitor the submission of such content to, or the publication of such content on, this website.]
This website is provided “as is” without any representations or warranties, express or implied. BGA Insurance Group makes no representations or warranties in relation to this website or the information and materials provided on this website.
Without prejudice to the generality of the foregoing paragraph, BGA Insurance Group does not warrant that:
this website will be constantly available, or available at all; or
the information on this website is complete, true, accurate or non-misleading.
Nothing on this website or is meant to constitute, of any kind. [If you require advice in relation to any [legal, financial or medical] matter you should consult an appropriate professional.]
Limitations of liability
BGA Insurance Group will not be liable to you (whether under the law of contact, the law of torts or otherwise) in relation to the contents of, or use of, or otherwise in connection with, this website:[to the extent that the website is provided free-of-charge, for any direct loss;]
for any indirect, special or consequential loss; or
for any business losses, loss of revenue, income, profits or anticipated savings, loss of contracts or business relationships, loss of reputation or goodwill, or loss or corruption of information or data.
These limitations of liability apply even if BGA Insurance Group has been expressly advised of the potential loss.
Nothing in this website disclaimer will exclude or limit any warranty implied by law that it would be unlawful to exclude or nothing in this website disclaimer will exclude or limit BGA Insurance Group liability in respect of any:
death or personal injury caused by BGA Insurance Group negligence;
fraud or fraudulent misrepresentation on the part of BGA Insurance Group; or
which it would be illegal or unlawful for BGA Insurance Group to exclude or or to attempt or purport to exclude or limit, its liability.
By using this website, you agree that the exclusions and limitations of liability set out in this website disclaimer are reasonable.
If you do not think they are reasonable, you must not use this website.
Other parties[You accept that, as a limited liability entity, BGA Insurance Group has an interest in limiting the personal liability of its officers and employees. You agree that you will not bring any claim personally against BGA Insurance Group officers or employees in respect of any losses you suffer in connection with the website.] [Without prejudice to the foregoing paragraph,] you agree that the limitations of warranties and liability set out in this website disclaimer will protect BGA Insurance Group officers, employees, agents, subsidiaries, successors, and sub-contractors as well as BGA Insurance Group.
If any provision of this website disclaimer or is found to be, unenforceable under applicable law, that will not affect the enforceability of the other provisions of this website disclaimer.
You hereby indemnify BGA Insurance Group and undertake to keep BGA Insurance Group indemnified against any losses, damages, costs, liabilities and expenses (including without limitation legal expenses and any amounts paid by BGA Insurance Group to a third party in settlement of a claim or dispute on the advice of BGA Insurance Group legal advisers) incurred or suffered by BGA Insurance Group arising out of any breach by you of any provision of these terms and conditions[, or arising out of any claim that you have breached any provision of these terms and conditions].
Breaches of these terms and conditions
Without prejudice to BGA Insurance Group other rights under these terms and conditions, if you breach these terms and conditions in any way, BGA Insurance Group may take such action as BGA Insurance Group deems appropriate to deal with the breach, including suspending your access to the website, prohibiting you from accessing the website, blocking computers using your IP address from accessing the website, contacting your internet service provider to request that they block your access to the website and/or bringing court proceedings against you.
BGA Insurance Group may revise these terms and conditions from time-to-time. Revised terms and conditions will apply to the use of this website from the date of the publication of the revised terms and conditions on this website. Please check this page regularly to ensure you are familiar with the current version.
BGA Insurance Group may transfer, sub-contract or otherwise deal with BGA Insurance Group rights and/or obligations under these terms and conditions without notifying you or obtaining your consent.
You may not transfer, sub-contract or otherwise deal with your rights and/or obligations under these terms and conditions.
If a provision of these terms and conditions is determined by any court or other competent authority to be unlawful and/or unenforceable, the other provisions will continue in effect. If any unlawful and/or unenforceable provision would be lawful or enforceable if part of it were deleted, that part will be deemed to be deleted, and the rest of the provision will continue in effect.
These terms and conditions [, together with [DOCUMENTS],] constitute the entire agreement between you and BGA Insurance Group in relation to your use of this website, and supersede all previous agreements in respect of your use of this website.
Law and jurisdiction
These terms and conditions will be governed by and construed in accordance with [GOVERNING LAW], and any disputes relating to these terms and conditions will be subject to the [non-]exclusive jurisdiction of the courts of [JURISDICTION].
This document was created using a Contractology template available at http://www.freenetlaw.com.