About "Twopointfive"
Twopointfive is a trading name of World Wide Internet Insurance Services Ltd. World Wide Internet Insurance Services Ltd is an insurance intermediary licenced in Gibraltar by the Financial Services Commision, under licence FSC00657B
In these Conditions of Use 'our', 'we', 'us' means the following companies together: World Wide Internet Insurance Services Ltd trading as Twopointfive Insurance, and any named preferred supplier.

English Law
These Conditions of Use will be governed by and construed in accordance with English law. Any disputes arising in relation to these Conditions of Use will be subject to the exclusive jurisdiction of the English courts. If any of the following provisions shall be unlawful, void or for any purpose unenforceable, then the particular provision will be deemed severable and will not affect the validity and enforceability of the remaining provisions or Conditions of Use.

Access to the Site
Unless otherwise specified, the information on this web site is directed solely at those who access the site from the United Kingdom (of Great Britain and Northern Ireland).

Content and Product Information
The descriptions of all the products and services contained in this web site are for information purposes only. The information and descriptions provided are not intended to be complete descriptions of all the terms, conditions and exclusions applicable. The precise coverage afforded by any insurance policy or other product issued by us is subject to the terms, conditions and exclusions of the policies as issued. Any other products and services provided are subject to their specific terms and conditions as set out throughout the site.

Legal Exclusions and Limitations
We take care to ensure that the information contained in this web site is accurate and up-to-date. However, we make no representations or warranties about the accuracy, completeness, reliability or suitability for any purpose of the information and related graphics published in this site, which may contain technical inaccuracies and typographical errors.

We are not providing any legal, accounting or other professional advice or opinion on specific facts or matters. Also, neither we nor any of our directors, employees or agents will be liable for damages arising out of or in connection with the use of this site or the information in it.

This is a comprehensive limitation of liability that applies to all damage of any kind, including (without limitation) compensatory, direct, indirect or consequential damages, loss of data, income or profit, loss of or damage to property and third party claims. However, nothing shall exclude or restrict liability for death or personal injury resulting from the negligence of us, our directors, employees or agents. Also, nothing shall exclude or restrict our obligations under the Financial Services and Markets Act 2000 or any other current or future Financial Services legislation.

Alterations
We reserve the right, at any time and without notice, to revise the contents of this site including these Conditions of Use. Any changes to these conditions will be posted on this site and by continuing to use this site following any such change, you will signify that you agree to be bound by the revised conditions.

Use of Your Information
By using this site, you agree to the use of any personal data that we may hold on you in accordance with the terms of the Privacy Policy. A copy of the Privacy Policy can be found lower in this document

Copyright
All design, text, graphics and their selection or arrangements are the copyright of third parties or us. Permission is granted to copy electronically and to print in hard copy portions of this site, solely for the purpose of using the site to seek a quotation or buy products and services. Any other use of materials on this site (including reproduction for purposes other than those noted above and alteration, modification, distribution or republication) without prior written permission is strictly prohibited.

Trademarks
The various Twopointfive trade marks, product names and company logos as well as the get-up contained in this site are owned by World Wide Internet Insurance Services Ltd. Neither World Wide Travel Insurance Services Ltd or any Group company gives permission for the use of any of the trade marks, the get-up, product names, company names, logos or titles and any such use may constitute an infringement of the holder's rights.

Force Majeure
We shall not be liable to you for any breach of these Conditions of Use or any failure to provide, or any delay in providing, our services through our site that results from any event or circumstance beyond our reasonable control. This includes without limitation, strikes, lockouts and other industrial disputes, breakdown of systems or network access, fire, explosion, accident, insurrection and war.

Links to other Sites
In this site certain links, including hypertext links, will lead you to web sites or pages that are not under our control. These links are provided for your information and convenience and the inclusion of any link does not imply endorsement by us in any way of the site to which a particular link leads.

Privacy Policy

By submitting any information about you and, where applicable, others within this web site, you and they consent to its use as set out in this Privacy Policy.

The Internet is not a secure medium. However we are committed to ensuring that your privacy is protected. The Privacy Policy explains the security measures we have put in place to protect your information and how we use the information we collect about you. We recommend you read it before you provide any information to us.

The information we collect and how we use it.
Within the site, we may ask you to provide us with relevant personal information in order that we can provide you with the product or service requested, undertake administration and generally service and maintain your policy, including responding to any query that you may raise with us.

All personal information supplied by you will be treated in confidence by the World Wide Internet Insurance Services Ltd Group of companies and will not be disclosed to any third parties except where your consent has been received or where permitted by law. In order to provide you with products and services this information will be held in the data systems of the World Wide Internet Insurance Services Ltd Group of companies or our agents or subcontractors.

The World Wide Internet Insurance Services Ltd Group of companies may pass your personal information to other companies for processing on its behalf. Some of these companies may be based outside Europe in countries which may not have laws to protect your personal information, but in all cases the Group will ensure that it is kept securely and only used for the purposes for which you provided it. Details of the companies and countries involved can be provided to you on request.

The World Wide Internet Insurance Group of companies would also like to keep you informed (by telephone, post or e-mail) of selected products and services available from us and our carefully chosen suppliers. If you would prefer not to receive this information from us please let us know when you contact us.

For your protection, any telephone calls to our Service Centres may be recorded and may be monitored.

“Cookies”
When you visit our site, we may attach a “Cookie” to your browser. Cookies are small text files that allow us to identify your computer, recognise repeat users, observe anonymous user behaviour and compile aggregate data about users in order to improve the service we provide. The data we collect using Cookies does not identify individual users and is only used for tracking and analysing use of the site. In some cases we use a reputable third party adserving company for these purposes.

Most web browsers will accept Cookies, but if you would prefer we did not collect data by this method, you can disable this function within your browser settings. However, without Cookies, you may not be able to use the full functionality of our site, including personalisation of the web content to reflect your personal usage.

How we protect your information
We capture your personal information, such as names and addresses, over a secure link using recognised industry standard Secure Sockets Layer (SSL) technology which encrypts the data whilst passing it over the web. This will be indicated on most browsers by a lock in the status bar at the bottom of the screen.

Firewalls are used to block unauthorised traffic to the servers and the actual servers are locked in a secure location which can only be accessed by authorised personnel.

Your Consent
When you submit your information within this web site you consent to the use of that information as set out in this Privacy Policy. If we change the Privacy Policy we will post the changes on this page and may place notices on other pages of the web site so that you are aware of how we use your information at all times. If you continue to use the service you will signify that you agree to any such changes.

The Internet is a global medium and therefore your information may be transferred outside the European Economic Area en route. By submitting your information, you consent to such a transfer.