Terms & Conditions

1. When do these conditions apply
When you access or use any part of www.wmia.co.uk you are agreeing to be bound by the following conditions of use. If you do not wish to be bound by these conditions, you may not and should not access or use this website. We may change these conditions at any time without giving any notice to you. If you continue to access and use www.wmia.co.uk you agree to be bound by the most current version of the conditions of use. Please check these conditions from time to time to see if any changes have been made.

2. Our Copyright
Except where otherwise indicated, the content of any www.wmia.co.uk web pages (which for the avoidance of doubt includes the design, text, graphics, any other content and arrangement thereof) and the software used therein, is the property of and is owned and controlled by Westminster Insurance. All such content is the copyright material of Westminster Insurance or our associated / chosen content-provider organisations.

3. Our Trademarks
The name Westminster Motor Insurance Association "WMIA", the Westminster Insurance logo are service marks of Westminster Insurance or it's subsidiaries. All other trademarks, product names and company names or logos cited or displayed anywhere on www.wmia.co.uk are the property of their respective owners.

4. Permitted Uses by you
Save as provided below, no materials from www.wmia.co.uk may be copied, downloaded, reproduced, broadcast, shown or played in public, republished, uploaded, posted, stored, transmitted or distributed in any way or adapted or changed in any way. Subject to any applicable licenses from third-party content-providers, you may electronically copy and print in hard copy, portions of www.wmia.co.uk for your personal, non commercial use only. You are not permitted to sell or trade in any material so copied. Any other use, modification, distribution or republication without the prior written consent of Westminster Insurance is similarly strictly prohibited. You may however copy and distribute any or all portions of any press releases or notices intended for general public use by Westminster Insurance. The use of multiple searches to extract Westminster Insurance database details for commercial benefit or use is strictly prohibited. You may only access the Westminster Insurance members' area if you are entitled to do so by virtue of being authorised to access www.wmia.co.uk as an employee, director or partner of an Westminster Insurance member or Industry Partner or are otherwise granted permission to access the member area by Westminster Insurance. You must comply with the terms of this clause in respect of all content, advice, guidance and information within this area unless the entitlement to distribute, copy or otherwise use such content is clearly granted by Westminster Insurance.

5. No License
Except as expressly provided, nothing contained in these conditions or anywhere on www.wmia.co.uk shall be construed as conferring any license under any of Westminster Insurance's or any third party's intellectual property rights.

6. Your use
You may use www.wmia.co.uk at your own risk and Westminster Insurance makes no warranties or guarantees as to the availability or accuracy of www.wmia.co.uk or as to the accuracy or fitness of any of the information in www.wmia.co.uk. Much of this information is provided by third parties and its accuracy cannot be reasonably verified by Westminster Insurance. Westminster Insurance makes no representation or warranty or condition, either express or implied, to you: that www.wmia.uk will be uninterrupted or error-free, that www.wmia.uk or the computer server from which it is made available, are free of any viruses or other harmful components or programs, as to the accuracy, content, timeliness, completeness, legality, reliability, quality or suitability of any information, advice, content, service or search results provided by www.wmia.uk. as to the quality or suitability of any goods or services or information received through or advertised on www.wmia.co.uk or received through links provided on www.wmia.co.uk whether from Westminster Insurance members or other third parties.

7. Limitation of Liability
Under no circumstances will Westminster Insurance, or any other party involved in the creation, production, maintenance or distribution of www.wmia.co.uk be liable for any damages either direct, indirect, incidental, special or consequential (including but not limited to loss of profits, business, anticipated savings, goodwill, loss of opportunity, use of data or other intangible losses) that result from any of the following: the use of and reliance upon www.wmia.co.uk. any inability to use www.wmia.co.uk. any errors, omissions, interruptions, suspension, termination, deletion of files or email, mistakes, defects, viruses and other harmful creation, delays in operation, transmission or service response time, or any failure of performance by www.wmia.co.uk including without limitation those arising from acts of God, communications failure, theft, destruction or any unauthorised access to Westminster Insurance's data, records, programs or services. Any services or products, information or advice received through or advertised on www.wmia.co.uk or through any links provided on www.wmia.co.uk. Westminster Insurance is unable to ensure or guarantee the security of any information transmitted over the Internet. Any information or data which you transmit to or by using www.wmia.co.uk is done at your own risk and Westminster Insurance will not be responsible or liable for any damage that may result from transmitting such information. If any jurisdiction does not allow the exclusion or limitation of liability for consequential or incidental damages, liability is limited to the fullest extent permitted by law.

8. Miscellaneous
These conditions and any and all documents referred to herein form the entire agreement between you and Westminster Insurance with respect to the use of www.wmia.co.uk. If any term in these conditions is determined by a court to be illegal, invalid or in any way unenforceable, that provision shall be severed from these conditions and the remaining provisions shall continue in full force and effect.

9. Jurisdiction and Governing Law
These conditions shall be governed by and construed in accordance with the laws of England and Wales. Westminster Insurance and www.wmia.co. uk's servers are located in England. As www.wmia.co.uk can be accessed from other places around the world with different laws from those of England, when you access www.wmia.co.uk you agree that the laws of England will apply to all matters relating to your use of www.wmia.co.uk. You and Westminster Insurance also agree to submit to the non-exclusive jurisdiction of the English courts, with respect to such matters.

10. Privacy Policy
Westminster Insurance is committed to maintaining your privacy. The following information describes the practices we maintain regarding any personal information that you provide to us. Please take a moment to review our privacy statement and to then contact us with any questions or concerns you may have. From time to time Westminster Insurance may need to make enhancements to our privacy practices. This may happen as the result of government regulation, new technologies, or other developments in the area of privacy protection. Any updates to our privacy policy will be clearly posted on the Westminster Insurance Web site. Please check back at our Web site periodically to learn more about how Westminster Insurance is adhering to best practices in safeguarding your privacy. In the unlikely event that Westminster Insurance needs to make changes to our privacy policy that substantially change the terms outlined below regarding use of your personal information, you will be notified in advance of these changes and will have an opportunity to opt out of any new practices that you find unacceptable.

11. Personal and Demographic Data Collected by Westminster Insurance
Westminster Insurance may ask for your name, email address, postal address, and phone number when you enquire about Westminster Insurance products. We require this information to provide you with the products and services you have requested. During or after your enquiry, Westminster Insurance may ask for other information about you and your interests through forms, surveys, or contests. We may also ask whether you want to receive other information from us via email and postal mail. The information you provide allows us to make you aware of products, services, events and other information that is likely to be of interest to you. If you do not wish to receive such information from us, please let us know by contacting our webhelp@wmia.co.uk.

12. Sharing Of Data With Third Parties
When you provide personal information to Westminster Insurance, we will keep your information in confidence and will only use it to communicate with you about Westminster Insurance-sponsored programs, products and activities, or Westminster Insurance-accredited programs that we believe may be of interest to you.

13. Cookies and I.P. Addresses
A cookie is a small data file that is sent to your computer from a Web site and is stored on your computer's hard drive. A cookie file stores a limited amount of data about you (such as your username and password) and allows Westminster Insurance to offer services personalised to your interests and to track the number of people who visit different parts of our site. You can set your Web browser to refuse cookies, but your ease of use of the Westminster Insurance site will be significantly reduced if you do so. Westminster Insurance also collects IP addresses of those browsing our sites as a complementary way of tracking site usage. We do not track any individual person's activities using IP addresses. Instead, we use this information solely to determine the number of times browsers view a page of our site and to aggregate information that allows us to continuously improve the quality of our Web site.

14. Security
Westminster Insurance keeps all personal information in a secure server that is only accessible to designated Westminster Insurance employees and agents. We always use industry-standard encryption technologies when transferring and receiving consumer data exchanged with our site. We have appropriate security measures in place in our physical facilities to protect against the loss, misuse or alteration of information that we have collected from you at our site.

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