Terms and conditions

1. Ownership of rights & use

All intellectual property rights (including but not limited to patents, copyright, database rights and trademarks (whether registered or unregistered)) in this website and its contents are owned by or licensed to ARAG. All rights are reserved for the benefit of ARAG and/or our licensors. Any use of this website or its contents, including but not limited to copying or storing it or them in whole or part, other than for your own personal, non-commercial use is prohibited without the permission of ARAG. You may not modify, distribute, publish, transmit, license or re-post anything on this website for any purpose.

2. Accessing our website

You are responsible for making all arrangements necessary for you to have access to our website. You are also responsible for ensuring that all persons who access our website through your internet connection are aware of these terms, and that they comply with them.
If you choose, or you are provided with, a user identification code, password or any other piece of information as part of our security procedures, you must treat such information as confidential. You must not disclose it to any third party. We have the right to disable any user identification code or password, whether chosen by you or allocated by us, at any time, if in our opinion you have failed to comply with any of the provisions of these terms of use.
You must not misuse our website 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 website, the server on which our website is stored or any server, computer or database connected to our website. You must not attack our website 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 website will cease immediately.

3. Availability

While we make every effort to ensure that the website is available, we do not represent, warrant or guarantee in any way the website’s continued availability at all times or uninterrupted use by you of the website. We reserve the right to change, suspend or cease the operation of all or any part of the website from time to time at our sole discretion.

4. Accuracy of content

ARAG has taken every care in the preparation of the content of this website. However to the maximum extent allowed by applicable law, ARAG disclaims all representations, conditions, warranties or other terms (express or implied) in relation to the provision of the website, including but not limited to the completeness, accuracy, currency or fitness for purpose of the information contained in any of the materials on this website. ARAG shall not be liable to any person for any loss or damage (including but not limited to direct and indirect loss) which may arise from the use of, or reliance on any of the information contained in any of the materials on this website.

5. Damage to your computer

ARAG makes every effort to ensure that this website is free from defects and viruses. However, we cannot guarantee that your use of this website or any websites accessible through it won’t cause damage to your computer. It is your responsibility to ensure that the right equipment is available to use the website and screen out anything that may damage it. ARAG shall not be liable to any person for any loss or damage which may arise to computer equipment, computer programs, data or other proprietary material as a result of using this website or downloading any content on it or on any websites linked to it.

6. Links to other websites

We have placed links and references on this website to other websites and resources we think may be of interest to you. We do not vet these websites and do not have any control over their contents. ARAG cannot accept any liability in respect of the use or content of these websites. Your use of such other websites and resources may be governed by the terms and conditions of those websites.

7. Linking to our website

You may link to our home page, provided you do so in a way that is fair and legal and does not damage our reputation or take advantage of it. You must not establish a link in such a way as to suggest any form of association, approval or endorsement on our part where none exists. You must not establish a link to our website in any website that is not owned by you. Our website must not be framed on any other site, nor may you create a link to any part of our website other than the home page. We reserve the right to withdraw linking permission without notice. If you wish to make any use of content on our website other than that set out above, please contact .

8. Exclusions of liability

Any disclaimers and exclusions of liability in these Terms & Conditions shall not apply to any liability for death or personal injury caused by the negligence of ARAG or any of its employees or agents, for fraudulent misrepresentation or to any other liability incapable of being limited or excluded by applicable law. If any provisions of these Terms and Conditions (including but not limited to any disclaimers and exclusions) are for any reason declared unlawful, void or unenforceable then that provision shall be deemed severable and shall not affect the validity and enforceability of the remaining provisions.

9. Indemnity

If you are in breach of any of these Terms and Conditions, you agree to indemnify and hold us harmless in respect of any costs, expenses, claims, proceedings, actions, losses, damages or liabilities incurred by us in relation to or arising from such breach.

10. Other legal notices

There may be legal notices on other areas of this website (including but not limited to our Cookies Policy and Privacy Policy) which relate to your use of this website, all of which will, together with these Terms & Conditions govern your use of this website.

11. Changes to legal notices

We reserve the right to change these Terms & Conditions from time to time without notification and you should look through them as often as possible. Should you access the website you will be deemed to have accepted any of the changes made to these Terms and Conditions from time to time.

12. Use of this website from outside the UK

Unless otherwise specified, the materials on this website are directed solely at those who access this website from the United Kingdom. ARAG make no representation that any products or services referred to in the materials on this website are appropriate for use, or available, in other locations. Those who choose to access this site from other locations do so at their own risk and are responsible for compliance with local laws if and to the extent local laws are applicable.

13. Law, jurisdiction and language

This website, any content contained herein, these Terms and Conditions and any contract brought into being as a result of usage of this website are governed by and construed in accordance with English Law. The parties agree to submit to the exclusive jurisdiction of the courts of England and Wales. All contracts are concluded in English.