Terms & Conditions of Use
(Dated: July 19, 2018)
Use of this site:
www.rqih.com (“the Website”) is the property of R&Q Insurance Holdings Ltd (“R&Q”) and its subsidiaries.
These are the general terms and conditions that govern your use of the Website. If you continue to use the Website you are agreeing to comply with and be bound by the following terms and conditions of use which may be enforced against you by R&Q. The term ‘You’ refers to the user or viewer of the Website.
This Website contains general information on R&Q and services offered by one or more subsidiary companies. The Website and its contents are not intended to constitute investment or other advice (nor any solicitation to participate in investment or other business) in any country in the world.
Operation of Website
R&Q reserves the right to make changes to or update these terms and conditions from time to time. Any such changes may be provided to you by any reasonable means including, but not limited to, posting a revised terms and conditions on the Website.
It remains your responsibility to access and check these terms and conditions whenever you access the Website as the latest version of these terms and conditions will govern any future usage by you of the Website. You will be able to determine when this was most recently revised by reading the date at the top of this page.
Whilst we take all reasonable steps to ensure that the information contained within these pages is accurate and up-to-date, 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. 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.
Copyright & Intellectual Property Rights
All copyright and intellectual property rights in the text, images and other materials of the Website are owned by R&Q and its subsidiaries or, where necessary, the permission of the relevant owner has been sought. Any reproduction or forwarding of materials or content from the Website is not permitted without prior permission. You shall notify R&Q immediately if you become aware of any unauthorised use or copying by any person.
Use of this Website
You agree to use the Website in a manner that is consistent with any and all applicable laws and regulations in the country in which you access the Website.
Your Personal Information
R&Q Insurance Holdings Ltd is registered in Bermuda under Company Number 47341 with its Registered Office at Clarendon House, 2 Church Street, Hamilton HM11, Bermuda.
Neither R&Q nor any other subsidiary company will be liable for any loss of use, profits, savings or data or any indirect, special or consequential damages or losses, whether such losses arise in contract, negligence or tort, including without limitation to the foregoing any losses in relation to your use of, reliance upon or inability to use the Website.
These terms and conditions shall be governed and interpreted in accordance with English law, and in the event of a dispute you irrevocably consent to the non-exclusive jurisdiction of the English courts.
What information do we collect?
The Website is provided solely for informational purposes. You can access the Website home page and browse our site without disclosing your personal data. The Website does not enable visitors to communicate with other visitors or to post information to be accessed by others.
Parts of the Website invite you to contact us using either our telephone number or by using the email addresses provided. You may wish to contact us in this way, for example, to request further information in relation to our services or regarding any other enquiries you may have.
How do we use the information we collect?
Personal Information provided by you using the contact information contained within the Website will only be used to respond to enquiries and will not be used for marketing purposes or shared with any third party for marketing purposes.
We do not automatically log personal data nor do we link information automatically logged by other means with personal data about specific individuals.
For further information on our use of your personal data, please refer to our Privacy Notice.
How do we protect your information?
As required by the Data Protection Act 2018, we follow strict security procedures in the storage and disclosure of information which you have given to us, to prevent unauthorised access or loss of such information.
While we cannot ensure or guarantee that loss, misuse or alteration of information will not occur, we use our best efforts to prevent this.
You should also be aware that communications over the internet, such as e-mails, are not secure unless they have been encrypted. Your communication may route through a number of countries before being delivered – this is the nature of the internet. R&Q cannot accept responsibility for any non-delivery or loss of personal information.
We use a number of different cookies on our site. If you do not know what cookies are, or how to control or delete them, then we recommend you visit http://www.aboutcookies.org for detailed guidance.
The only cookie that we currently use is Google Analytics (see below). We operate an ‘implied consent’ policy for this which means that we assume you are happy with this usage. If you are not happy, then you should either not use this site, or you should delete the cookies having visited the site, or you should browse the site using your browser’s anonymous usage setting (called “Incognito” in Chrome, “InPrivate” for Internet Explorer, “Private Browsing” in Firefox and Safari etc.)
You can find out more about Google’s position on privacy as regards its analytics service at http://www.google.com/policies/privacy/
The Website has links to third party Websites as a convenience for users of the Website. R&Q does not control these third party Websites and accordingly has no control over or responsibility for their content. The third party Website links are not and should not be construed as endorsements by R&Q of these Websites or their contents.
When you link to a third party Website, the operator of such other Website may collect information about you. Information collection or privacy practices of any other party are beyond our control or ability to monitor. You should review the privacy policies of any other Website that you visit to understand how your information may be collected and used.