Access to this Site is governed by the Site Terms and Conditions set out below. You will not be able to enter the site or view any of it's contents unless you confirm that you accept these terms by clicking on the "Acceptance" button at the bottom of this page.

The Terms & Conditions are important and are for our mutual protection. Please take the time to read them carefully, when you have done so click on the Accept Button to proceed.

If you do not accept, click on the "Do Not Accept" Button to exit the site.

Please Note that any reference to "we" means the site licensees DeNovo Underwriting Agencies Ltd. and our subsidiaries and any associated companies.

1. This site is established in the UK in accordance with the laws of England and will be governed by the laws of England. When you use the Site, you accept that your use of the Site and any information on the Site, will also be governed by English law and if any dispute arises from your use of the Site or any of the information on it, you agree to allow such dispute to be heard in the English courts.
   
   Services described in this Site are only available in the jurisdictions where we are licensed or authorised by local law or regulation. Up to date information on licensing and authorisation can be obtained from us.



2. The distribution of information on the Site may be restricted by local law or regulation in certain jurisdictions. This information is not intended for distribution to, or use by, any person or entity in any such jurisdiction and persons accessing these pages should inform themselves about and observe any such restrictions. Any contact made through this Site should be reviewed to determine whether such a response is permissible under the local regulatory regime. Under no circumstances will any contract exist between you and us should any such contact be made.
   If you are in any doubt as to whether this Site can be lawfully used by you please discontinue use immediately.



3. We have given the information on the Site in good faith. We have taken the information from our own and other sources which we believe to be reliable. Although we have made all reasonable efforts to ensure that all of the information on the Site is accurate at the time of inclusion, we do not represent that this is the case and it should not be relied upon as such. Please note that we may update or alter the information on this Site at any time without giving notice of the alterations. Any opinions and estimates expressed reflect our judgement at this date and are also subject to change without notice. Accordingly we make no representation or warranty in respect of the information and accept no responsibility for any omissions or inaccuracies or any loss or damage which may arise from reliance upon the information provided. If you do not understand or if you have any queries on any of the information on the Site, we recommend that you consult a professional adviser.



4. You can contact us by e-mail from this Site. However, please note that the sending of personal information via e-mail over the Internet may not be secure and can be intercepted by third parties or incorrectly delivered. You should not divulge personal information over the Internet unless you are using a secure or encrypted communications technology.
   
   You are reminded that when you enter other web sites via such hypertext links, you will not be subject to these terms and conditions and you will not benefit from the protections afforded to you in using our Site. In particular, hypertext links to pages which contain information or advertisements about insurance products are provided for your convenience only. We are not responsible for the content of such pages and make no recommendation or representation about such products or services.



5. Copyright in the Site and the information set out on it is licensed to us. We reserve the right to take such action as may be necessary in the protection of the copyright.