Disclaimer
A J Insurance Service (referred to as AJ) takes all reasonable care to ensure that the information published on this web site is accurate and up-to-date. However, errors and omissions may occur and the user should not take the accuracy of the information completely for granted but should check directly with AJ. The material contained in this web site is not to be relied upon as a statement or representation of fact. AJ has no control over the use to which the information may be put by the reader or user and accordingly shall not be liable for any loss of profits or contracts or any indirect or consequential loss or damage arising out of or in connection with the use of such information. The material contained in this web site is intended to be a guide only. The statutory rights of any individual or organisation dealing with AJ as a consumer or customer shall remain unaffected.

Transmitted Material
Any material or information transmitted to or posted to AJ’s web site by any means will be treated as non-confidential and non-proprietary and may be disseminated or stored or used by AJ or its affiliates for any purpose whatsoever including and not limited to developing, manufacturing and marketing products. Do not post or transmit to or from this web site any unlawful, threatening, defamatory, obscene, scandalous, inflammatory, pornographic or profane material or any other material which could give rise to any civil or criminal liability in the territory to which this web site relates.

Hypertext Links
Linked sites are not under the control of AJ and AJ is not responsible for the contents of any linked site or any link contained in a linked site. AJ provides links to the user only as a convenience and the inclusion of any link does not imply any endorsement of the linked site by AJ. AJ cannot and has not reviewed all the web sites that may be linked to this web site and cannot be held responsible or liable for their content. Users link to other web sites at their own risk and use such web sites according to the terms and conditions of use of such web sites.

Security
AJ has implemented technology and processes to safeguard your privacy from unauthorised access and improper use and will continue to update these measures as new technology becomes available.

Third Parties
AJ cannot be responsible for the privacy policies and practices of other web sites even if you access those websites using links from the AJ website; AJ recommends that you check the policy of each site you visit. In addition, if you linked to the AJ web site from a third party web site, AJ cannot be responsible for the privacy policies and practices of the owners or operators or the third party web site from which you linked to our web site and recommend that you check the policy of that third party web site and contact the owner or operator of such web site if you have any concerns or questions.

Documents and Copyright
Permission to use Documents (such as case studies, guides, press releases, and other publications) from this web site is granted by AJ provided that the Copyright notice below appears in all copies and that both the Copyright notice and this permission notice appear. Use of such Documents from this web site are for information and non-commercial or personal use only and must not be copied or posted to any computer network or broadcast in any media. Modification of any Document herein is prohibited. Use for any unauthorised purpose is expressly prohibited by law, and may result in severe civil and criminal penalties. Violators will be prosecuted to the maximum extent possible. Documents specified above do not include the design or layout of this web site. Elements of this web site are protected by Copyright and may not be copied or imitated in whole or in part. No logo, graphic, sound or image from this web site may be copied or retransmitted unless expressly permitted by AJ.

AJ AND/OR ITS RESPECTIVE SUPPLIERS MAKE NO REPRESENTATIONS ABOUT THE SUITABILITY OF THE INFORMATION CONTAINED IN THE DOCUMENTS AND RELATED GRAPHICS AND/OR ANY SOFTWARE PUBLISHED ON THIS WEB SITE FOR ANY PURPOSE. ALL SUCH DOCUMENTS AND RELATED GRAPHICS ARE PROVIDED "AS IS" WITHOUT WARRANTY OF ANY KIND AND ARE SUBJECT TO CHANGE WITHOUT NOTICE. THE ENTIRE RISK ARISING OUT OF THEIR USE REMAINS SOLELY WITH THE USER. IN NO EVENT SHALL AJ AND/OR ITS RESPECTIVE SUPPLIERS BE LIABLE FOR ANY DIRECT, CONSEQUENTIAL, INCIDENTAL, SPECIAL, PUNITIVE OR OTHER DAMAGES WHATSOEVER (INCLUDING WITHOUT LIMITATION, DAMAGES FOR LOSS OF BUSINESS PROFITS, BUSINESS INTERRUPTION, OR LOSS OF BUSINESS INFORMATION), EVEN IF AJ HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

The name of AJ or the AJ logo may not be used in advertising or publicity pertaining to distribution of this information without specific, written prior permission from AJ. AJ makes no representations about the suitability of this information for any purpose whatsoever. It is provided "as is" without express or implied warranty. Photographs and graphics are representative of actual products but may not be the exact product described or the exact configuration described.

Trademarks
AJ is the registered or unregistered trademark of AJ in the United Kingdom and other countries. Other product and company names mentioned herein may be trademarks and/or service marks of their respective owners.

Data Protection
Personal and Business details provided to AJ through this web site will only be used in accordance with our privacy policy. Please read this carefully before proceeding. By providing your personal details to us, you are consenting to its use in accordance with our privacy policy.

Privacy Policy
AJ respects the privacy of every individual that visits this site. Our policy on the collection and use of personal information is outlined below. AJ only collects and uses personal information for business purposes in order to:

• Administrate or otherwise carry out our obligations in relation to any service or product that AJ may supply
• Anticipate and resolve problems in relation to any service or product that AJ may supply
• Create and inform you of products or services that may better meet your needs

Non-personal information
AJ may automatically collect non-personal information about you such as the type of Internet browser you use or the web site from which you linked to this site. You cannot be identified from this information and it is only used to assist us in providing an effective service on this web site. AJ may from time to time supply the owners or operators of third party web sites from which it is possible to link to our site with information relating to the number of users linking to our web site from such third party web site. You cannot be identified from this information.

Keeping our records accurate
AJ aims to keep any information held about you as accurate as possible. If you would like to review or change the details you have supplied us with, please contact us.

Information placed on your computer
AJ may store some information (known as a "cookie") on your computer when you use our site. This information facilitates the efficient use of our web site.

Confidentiality
All personal information about you will be treated as private and confidential. We will only use and disclose information we have about you in the normal course of arranging and administering your insurance. We may pass information about you to credit reference agencies for the purpose of arranging payments via instalments and may also pass to them details of your payment record with us. We will not disclose any information to any other parties without your consent, unless required to do so because we are authorised by the FSA, it is in the public interest, or we have to by law. We may, however, use the information we hold about you to provide information to you about other products and services which we feel may be appropriate to you. Under the Data Protection Act 1998 you have a right to see personal information about you that we hold in our records. If you have any queries in this regard please write to us. If you do not wish to receive marketing information from us please let us know by contacting us at our address.

Financial Services Authority
The Financial Services Authority (FSA) is an independent non-governmental body, given statutory powers by the Financial Services and Markets Act 2000, limited by guarantee and financed by the financial services industry. The Treasury appoints the FSA Board, which currently consists of a Chairman, a Chief Executive Officer, three Managing Directors, and 10 non-executive directors (including a lead non-executive member, the Deputy Chairman). This Board sets our overall policy, but day-to-day decisions and management of the staff are the responsibility of the Executive.

The FSA is an independent body that regulates the financial services industry in the UK. The FSA has been given a wide range of rule-making, investigatory and enforcement powers in order to meet these four statutory objectives:

• market confidence: maintaining confidence in the financial system;
• public awareness: promoting public understanding of the financial system;
• consumer protection: securing the appropriate degree of protection for consumers; and
• the reduction of financial crime: reducing the extent to which it is possible for a business to be used for a purpose connected with financial crime.

The overall aim of these four objectives is to promote efficient, orderly and fair markets and to help retail consumers achieve a fair deal.
A J Insurance Service is authorised and regulated by the FSA and fully supports their principles of good regulation.