Terms of Use

Released July 2009

This site belongs to JLT Online Benefits, a division of JLT Benefit Solutions Limited ("JLT", "we", or "us"). Authorised and regulated by the Financial Services Authority ("FSA") and a member of the Jardine Lloyd Thompson Group plc. Registered Office: 6 Crutched Friars, London EC3N 2PH. Registered in England No. 00338645, VAT No. 244 2321 96.

By accessing this website you agree to be bound by the terms & conditions noted below. If you are not prepared to agree to these terms and conditions, then you must desist from accessing this website immediately.

This web page is updated and modified from time to time. You should check this page every time you access this website.

The materials contained in this website are for general information purposes only. The accuracy, adequacy and completeness of the information are not warranted or otherwise guaranteed. JLT accepts no liability for the contents of this website to the extent permitted by applicable law in any jurisdiction that would or could otherwise arise from or as a result of reliance on the contents of this website.

JLT does not represent or warrant that any of the information presented on its web pages, this website or on the Internet generally will be uninterrupted or error free, that defects will be corrected, or that this website or the server from which it is accessed are free from viruses, worms, Trojan Horses or other harmful components.

Under no circumstances (except for death and personal injury arising from the negligence of JLT) shall JLT be liable in contract, tort, or otherwise, for any loss or damage whatsoever arising from use of or in any way connected with this website or any hyper linked website, including, without limitation, damages for loss of business, loss of profits, business interruption, loss of business information, loss of programs or other data on the user's information handling system or otherwise maintained, or any other pecuniary loss (even where JLT has been advised of the possibility of such loss or damage arising).

No part of this website may be permanently copied or reproduced in any form or reproduced on any other website or stored in or transmitted to or from any other electronic or digital form in whole or in part, nor may links to this website be included in any other website without the prior written permission of JLT.

All copyright and other intellectual property rights whatsoever arising in the contents' of this website and any underlying computer code are owned by or licensed to JLT or its affiliates. All moral rights and equivalent rights are hereby asserted and reserved.

No endorsement, approval or verification of the content of hyperlinks from this website is given by JLT. JLT is unable to guarantee the confidentiality or security of any data passing via this website. Accordingly, your use of this website is at your own risk.

Privacy

JLT Benefit Solutions Limited is committed to upholding the privacy of its employees, clients and website users.

We don't sell, rent, loan, trade or lease any personal information recorded at our site. We do not use cookies for collecting user information about you except that required for system administration of the web server.

This privacy policy only covers JLT Benefit Solutions Limited's website (BenPal), other links within this site to other websites are not covered by this policy.

Data Protection

JLT Benefit Solutions Limited is registered with the Information Commissioner and abide by the principles of the Data Protection Act.

The information about you will be processed solely to provide the service you have requested and will be stored in a secure manner and destroyed at an appropriate time in the future.

These terms and conditions are governed by and are to be construed in accordance with English law and both you and JLT hereby irrevocably submit to the exclusive jurisdiction of the English Courts.