Virtual Home Important Information
The use and access to the Virtual Home is subject to the terms and conditions set out below and the section entitled "Important Information" contained on the pages of www.halifax.co.uk dedicated to Halifax Insurance. Please click here to go to that page.
Where the terms "we", "us", and "our" are used, they refer to the HBOS Group, being HBOS plc and its subsidiary undertakings including Halifax General Insurance Services Limited. Please take a moment to read these terms and conditions carefully. By using or accessing any part of the Virtual Home, you agree to be bound by the following terms and conditions.
These terms and conditions may be amended by us at any time by updating them on the Virtual Home. You should review these terms and conditions each time you access the Virtual Home. By continuing to use and access the Virtual Home you agree to be bound by the amended terms and conditions.
Accessing/Using the Virtual Home
Nothing on the Virtual Home is intended to constitute advice to you and no information on this site is intended to constitute an invitation to engage in investment activity.
The Virtual Home, its contents and the hints and tips it offers are only intended as a brief guide to the risks inherent in home ownership and only sets out in broad terms what your policy with the Halifax covers in general. It is not intended to provide you with a comprehensive list of all risks nor should you rely on the hints and tips without obtaining further professional advice. When you use our Virtual Home and any of the information in it please make sure you read your home insurance policy terms and conditions in conjunction with it. Please contact us on 0845 600 6001 if you are in anyway unsure as to what your policy does or doesn't cover and what steps your policy requires you to take (or not take) to mitigate any such risks.
The Virtual Home is designed to be accessed via the pages of www.halifax.co.uk dedicated to Halifax Insurance, and not direct to individual pages. If you access individual pages directly, you may not see important information and warnings which are necessary for a full understanding of our products and services and us generally. As you use the Virtual Home, you will find words in the text which are underlined. These are links or shortcuts to other pages and if you click on them they will take you to those pages. A number of these links refer you to important legal or regulatory information which should be read in conjunction with the text in which the link appears. Some of these links refer you to websites outside the control of the HBOS group. Please see advice below on "Links to other websites".
We accept no responsibility or liability for improper use of the Virtual Home.
Warranties
The software, information, materials and functions contained in the Virtual Home including text, graphics, links or other items are provided on an "as is" basis excluding any warranty whatsoever, express or implied, including but not limited to warranties of satisfactory quality, fitness for a particular purpose and freedom from computer viruses. The software made available on the Virtual Home has been prepared solely for demonstration purposes and shall not be used for any other purposes whatsoever. We exclude any liability for any errors in and omissions from information, materials and functions included in the Virtual Home.
Problems experienced using the Virtual Home
The Virtual Home has been extensively tested and we hope that it works properly at all times. However, we do not warrant that it will be available at all times or that access will be uninterrupted. If you experience a problem at any time, please return to the homepage from where you entered the Virtual Home and try again.
Reliability of information
Information provided on the Virtual Home is believed to be reliable when posted. However, we cannot guarantee that information will be accurate, complete and current at all times. We accept no liability howsoever arising contained for any information on another website. All information on the Virtual Home is subject to modification from time to time without notice.
Links to other websites
The provision by us of a link to another website does not constitute any authorisation by us to you to access material held at that location, nor is it evidence of any endorsement by us of the material available there. We accept no responsibility or liability for the privacy of your personal information on such websites, as these are beyond our control. We will accept no responsibility or liability in respect of any materials on any website which is not under our control.
Copyright
© HBOS plc. All rights, save as expressly granted or acknowledged, are reserved. Reproduction in any form of any part of the contents of the Virtual Home without our prior written consent is prohibited unless for personal use only.
Liability for damages
To the extent permitted by law, we shall not be liable for any direct or indirect, special, incidental or consequential damages, including the loss of profits, business revenue or goodwill arising from the use or access of or inability to use or access, interruption or availability of the Virtual Home, its operation or transmission, computer viruses, loss of data or otherwise in respect of its use or the downloading or use of any software made available by us on the Virtual Home and we shall not be liable for and each user shall indemnify and keep us indemnified on demand from and against all claims, expenses, losses or liabilities (including professional fees and expenses) in connection with any claim by a third party relating to the use or downloading of the software or data or arising from such use or downloading. Nothing in these terms and conditions shall exclude or limit our liability for death or personal injury arising from our negligence or the negligence of any of our officers, employees or agents or any other liability that we are prohibited from excluding or restricting by law. Any exclusions or limitations or restrictions of liability contained in these terms and conditions of use and access of the Virtual Home shall be subject to the qualification that nothing contained in any such exclusion or limitations or restrictions of liability shall operate to exclude or restrict any duty or liability of us to any person which we have under the Financial Services and Markets Act 2000 (as the same may be amended from time to time) (the "Act") or under the rules of any relevant self-regulating organisation (as the term is defined in the Act) (whether or not laid down by the self-regulating organisation itself), as altered, amended, added to or cancelled from time to time, which such organisation has power to enforce and to which we are subject by virtue of our membership of the relevant self-regulating organisation.
Appropriate jurisdiction and governing law
Our Internet Website is intended to be accessed only by persons located in the UK. We make no representation that any information, materials or functions included in the Virtual Home are appropriate for use in any other jurisdiction.
The terms and conditions of use of the Virtual Home shall be governed by and construed in accordance with the laws of England & Wales and any dispute regarding the Virtual Home ot its use shall be subject to the exclusive jurisdiction of the English courts.