Terms and conditions

These Terms and Conditions apply to the use of the City Actuaries website. They do not form any part of a contract for the provision of services from City Actuaries.


Please make sure you agree to our Terms and Conditions, along with our Privacy Policy and Data Protection Policy, before using our website. Using or accessing any part of the website indicates that you accept the Terms and Conditions regardless of whether or not you choose any services from City Actuaries.


If you do not accept these Terms and Conditions in full, do not use the website.


If you have any questions please contact us.


1. Introduction


1.1 You may access areas of the website without registering your details with City Actuaries.


2. Intellectual property rights


2.1 You are permitted to print, download and create links to content on the website for your personal use on the following basis:


a) content, including downloadable files and graphics, on the website is not modified in any way


b) graphics on the website must not be downloaded or used separately from accompanying text


c) the owner’s copyright, trademarks and permission notices appear on all copies to the extent that they appear in original extracts concerned


d) content must be suitably referenced and credited to “City Actuaries”, including the date and location (eg URL) where you extracted the information.


Unless otherwise stated, the copyright and other intellectual property rights in all material on the website (including without limitation to photographs and graphical images) are licensed to City Actuaries. All trademarks that appear on this website are registered to City Actuaries (unless otherwise stated).


2.2 Any use of extracts from the website other than in accordance with paragraph 2.1 above for any purpose is prohibited unless you have the permission from City Actuaries. If you breach any of the terms in this document, you must immediately destroy any downloaded or printed extracts and files from the website.


2.3 Subject to paragraph 2.1, no part of the website may be saved, reproduced or stored in any other website or computer system without permission from City Actuaries.


3. Visitor material and information


3.1 The Privacy Policy and the Data Protection Policy set out how we collect and use your personal identifiable information and your rights in relation to that information.


4. Conduct


4.1 You are prohibited from posting or transmitting to or from the website any material:


a) that is threatening, defamatory, obscene, indecent, seditious, offensive, abusive, liable to incite racial hatred, discriminatory, menacing, scandalous, inflammatory, blasphemous, in breach of confidence, in breach of privacy or which may cause annoyance or inconvenience or the transmission of which by you or any other person is unlawful as a matter of either civil or criminal law


b) for which you have not obtained all necessary licences and/or approvals.


4.2 You may not misuse the website (including, without limitation, by hacking).


4.3 City Actuaries shall fully co-operate with any law enforcement authorities or court order requesting or directing City Actuaries to disclose the identity or locate anyone posting any material in breach of paragraph 4.1 or paragraph 4.2 or for any other legal reason.


5. Links to and from other websites


5.1 Links to third party websites on our website are provided solely for your convenience. If you use these links, you leave our website. City Actuaries has not reviewed all of these third-party websites and does not control and is not responsible for these websites or their content or availability. If you decide to access any of the third-party websites through links on our website, you do so entirely at your own risk.


5.2 You may not create links to our website unless you have permission from City Actuaries or are permitted under paragraph 2.1 above.


5.3 City Actuaries expressly reserves the right to revoke any links granted for breach of these terms and to take any action it deems appropriate.


5.4 You shall fully indemnify City Actuaries for any loss or damage suffered by City Actuaries for breach of any of the provisions of this agreement.


6. Disclaimer


6.1 While City Actuaries endeavours to ensure that the information on our website is correct, City Actuaries does not warrant the accuracy and completeness of the material on the website. City Actuaries may make changes to the material on the website, or to the products and prices described in it, at any time without notice. The material on the website may be out-of-date, and City Actuaries makes no commitment to update such material.


6.2 The material on the website is provided “as is”, without any conditions, warranties or other terms of any kind. Accordingly, to the maximum extent permitted by law, City Actuaries provides you with access to the website on the basis that City Actuaries excludes all representations, warranties, conditions and other terms that might otherwise apply in relation to the website.


7. Liability


7.1 Under this paragraph, our liability includes that of any individuals and companies connected with City Actuaries and their respective agents, employees and sub-contractors. Your liability includes any other party claiming through you, and loss or damage includes any losses, damages, costs or expenses whatsoever or howsoever arising out of or in connection with the website or service.


7.2 If your use of material on the website results in the need for servicing, repair or correction of equipment, software or data, you assume all costs thereof.


8. Termination

8.1 Subject to paragraph 2.2, this service will terminate if you or we are in material breach of any of its terms and if the breach is not remedied within the period of twenty working days after written notice of it has been given to the party in breach.


8.2 You are not required to delete any part of the service which you have used. For the avoidance of doubt: you are not required to delete or destroy print-outs or copies from print-outs.


9. Governing law and jurisdiction


9.1 These Terms and Conditions of use shall be governed by and construed in accordance with English law in the United Kingdom. Disputes arising in connection with these terms shall be subject to the exclusive jurisdiction of the English courts in the United Kingdom.


10. Severance


10.1 If any provision of this agreement (or part of a provision) is found by any court or administrative body of competent jurisdiction to be invalid, unenforceable or illegal, the other provisions shall remain in force.


10.2 If any invalid, unenforceable or illegal provision would be valid, enforceable or legal if some part of it were deleted, the provision shall apply with whatever modification is necessary to give effect to the commercial intention of the parties.

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