Website terms

Here's what you need to know when using Flowinsurance.co.uk

Copyright, trademark and website content

All copyright, trademarks and other intellectual property rights in the material or content on our website belong to Flow Insurance. You can only download material from this website for your own use and to apply for our products. You won't have any right, title or interest in any material you download.

You can’t use the material and content on our website in any other way. You agree not to copy, reproduce, transmit, download, frame, publish, display, distribute, commercially exploit or create anything using this material, unless we give you permission in writing beforehand.

Our liability to you

We do everything we can to make sure what we publish on our website is accurate, but we don't give any guarantees about the information on it. We disclaim any representations and warranties, unless they've been made fraudulently.

We've taken all reasonable steps to protect our website with antivirus software. However, we can't guarantee that our website will meet your needs or that:

it will be timely, secure or error-free
any defects will be corrected
our website or the server that makes it available are free of viruses or bugs or will allow the full functionality, accuracy or reliability of the materials.

We won't be liable if you lose any content or material when uploading or transmitting it through our site.

We can’t guarantee that we can provide a particular product at any particular time or that a product will be available from day to day. We don’t accept liability for withdrawing any product or rejecting your application for a product for any reason.

Neither we nor any of our directors, agents or employees will be liable for damages arising from you using our website. This applies to damages of any kind, including compensatory, direct, indirect or consequential damages, loss of data, income or profit, loss or damage to property and claims of third parties. However we may be liable if there’s a death or personal injury as a result of negligence on our part.

We don’t offer advice about the suitability of the products available on our website. It’s up to you to decide whether they’re suitable for you.

Our website contains links to other sites, and we’re not responsible for the contents of any of these other websites. You should always read the privacy statements and terms of use whenever you go into a linked website.

The information on our website may not include all of our products.

Your promise

You promise to fully compensate us for any loss or damage resulting from claims, actions, liability, costs and expenses relating to your use of this site. This includes legal fees that result from you going against these terms or any other liabilities arising from you using our website.

Our rights

| We can change or withdraw (temporarily or permanently) our website or any part of it at any time without giving you notice. We won't be liable to you in any way if we do this.

| We may change these terms without telling you. We'll publish any changes we make on our website, so please check from time-to-time to make sure you've seen the latest version of our terms. If you continue to use our website after we’ve posted changes to our terms, we'll take it that you have accepted the revised terms.

| We may refuse to process a transaction at any time and for any reason. We won't be liable to you or any third party if we do this. We may monitor information that's sent to our website.

| We'll capture your IP Address to help us monitor and enhance your experience when using our websites.

Cookies

Flowinsurance.co.uk uses cookies. These are small pieces of data that a website stores on your computer's hard drive after you’ve been to that website. Each cookie contains information about your visit to the website, such as which pages you visited and which products and services you were interested in. The next time you visit the site, the cookie will tell the site that you’ve been there before.

We'll use cookies to identify and remember your preferences for different types of information after you've visited our website, and to track your progress through the site. We'll then use this information to try to enhance your experience when you use our site. For example, we might be able to avoid showing you information or screens you’ve already seen, or give you information we think you may be interested in, based on your previous visits to our website.

General

The information on our website applies to residents of the UK only. You'll find more details about this in individual products.

We won't be liable to you if we can't carry out our obligations to you because of circumstances beyond our control.

If any part of these terms is found to be legally unenforceable, the other parts will be unaffected and will stay in force.

These terms are governed by the law of England and the courts for that part of the UK where you live. We'll always communicate in English.

Information about Flow insurance

| Flow is a registered trademark (trading style) of Liverpool Victoria General Insurance Group.

| Liverpool Victoria Insurance Company Limited, registered in England and Wales number 3232514 is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority, register number 202965. Registered address: 57 Ladymead, Guildford, Surrey, GU1 1DB. Tel. 0330 1239970

| You can also find out how we use your personal information, and what rights you have by reading How we use your personal information. Please let us know if you'd like us to send you a copy, or have any questions. This includes who we are, how long we hold your information, what we do with it and who we share it with.