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Terms and conditions

Released July 2009

This site belongs to JLT Employee Benefits ("JLT", "we", or "us"). JLT Employee Benefits. A trading name of JLT Benefit Solutions Limited. Authorised and regulated by the Financial Conduct Authority. A member of the Jardine Lloyd Thompson Group. Registered Office: The St Botolph Building, 138 Houndsditch, London EC3A 7AW. Registered in England No. 02240496. VAT No. 244 2321 96.

By accessing this website you agree to be bound by the Terms & Conditions noted below. If you are not prepared to agree to these terms and conditions, then you must desist from accessing this website immediately.

This web page is updated and modified from time to time. You should check this page every time you access this website.

The materials contained in this website are for general information purposes only. The accuracy, adequacy and completeness of the information is not warranted or otherwise guaranteed. JLT accepts no liability for the contents of this website to the extent permitted by applicable law in any jurisdiction that would or could otherwise arise from or as a result of reliance on the contents of this website.

JLT does not represent or warrant that any of the information presented on its web pages, this website or on the Internet generally will be uninterrupted or error free, that defects will be corrected, or that this website or the server from which it is accessed are free from viruses, worms, Trojan Horses or other harmful components.

Under no circumstances (except for death and personal injury arising from the negligence of JLT) shall JLT be liable in contract, tort, or otherwise, for any loss or damage whatsoever arising from use of or in any way connected with this website or any hyper linked website, including, without limitation, damages for loss of business, loss of profits, business interruption, loss of business information, loss of programs or other data on the user's information handling system or otherwise maintained, or any other pecuniary loss (even where JLT has been advised of the possibility of such loss or damage arising).

No part of this website may be permanently copied or reproduced in any form or reproduced on any other website or stored in or transmitted to or from any other electronic or digital form in whole or in part, nor may links to this website be included in any other website without the prior written permission of JLT.

All copyright and other intellectual property rights whatsoever arising in the contents of this website and any underlying computer code are owned by or licensed to JLT or its affiliates. All moral rights and equivalent rights are hereby asserted and reserved.

No endorsement, approval or verification of the content of hyperlinks from this website is given by JLT. JLT is unable to guarantee the confidentiality or security of any data passing via this website. Accordingly, your use of this website is at your own risk.