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Governing Law
The use of this site is governed by and to be construed in accordance with English Law and any disputes will be subject to the exclusive jurisdiction of the English Court.
Intellectual Property Rights
Unless otherwise stated, Churchills International Consulting Limited is the owner of all intellectual property rights in this site and its design, arrangement, graphics, databases and contents.
Permission is given for the downloading and temporary storage of one or more of the pages of our site for the purpose of viewing on a personal computer or monitor for personal use to check, consider and alter the value of your benefits as shown on our site and/or the beneficiaries.
Any other reproduction and any permanent storage, retransmission or re-utilisation of this site or its contents is prohibited without the prior written consent of Churchills International Consulting Limited.
Content and Product Information
The materials contained in this site are for general information purposes only and do not constitute financial, investment or any other advice.
The descriptions of products and services are not intended to be complete descriptions of all the terms, conditions and exclusions applicable to them.
The precise details of cover and terms of each product and service are subject to the terms issued by the respective product and service providers.
Exclusions and Limitations
Whilst we take care to ensure that the information on this site is accurate, we make no representations or warranties about the accuracy, completeness, timeliness or suitability for any purpose of the information.
All liability for any damage or loss, whether compensatory, direct, indirect, consequential, loss of profit, loss of data, loss of opportunity or loss of savings, arising from access to, or the use of, or the inability to use, or the downloading from this site or the information contained in it or arising from any omissions, defects or errors in the information on this site is expressly excluded.
We acknowledge that nothing in these terms restricts our liability for death or personal injury arising from our negligence.
Force Majeure
We shall not be liable for any breach or failure or delay in providing our services or products through this site resulting from any event which is beyond our reasonable control, including without limitation, the breakdown of systems or network access, fire, explosion, accidents, industrial disputes, terrorist activity or war.
Links to Flexibenefits.com™
Churchills International Consulting Limited prohibit any link to this site, or any of its information, from any other internet site unless that other site and the link fairly indicate Churchills International Consulting Limited and Flexibenefits.com™ as the destination of the link and the link is neither misleading nor deceptive.
Website Disclaimer
Churchills take all reasonable care to ensure that the information contained on its websites is accurate.
However, no warranty or representation is given that the information and materials contained on them are complete or free from errors or inaccuracies.
To the extent permitted by applicable laws, Churchills, its directors, employees and agents accept no liability for any loss or damages or expenses of any kind including without limitation compensatory, direct, indirect or consequential damages, loss of data, income or profit, loss of or damage to property, or claims by third parties howsoever arising in connection with your use of the websites, the copying or use of any information or material contained in or referred to in the websites.
This exclusion of liability shall not apply to damages arising from death or personal injury caused by the negligence of Churchills or any of its employees or agents.
The information provided on the websites does not constitute financial advice and does not take into account all your personal and financial circumstances.
Should you require financial advice on any area covered by the websites please use contact us addresses on the web site.
Links
Churchills may from time to time provide links that will enable you to access the websites of third parties directly from our websites.
Please note that such third party sites are not under our control and we do not contribute to the content of such websites.
When you click through to these sites you leave the area controlled by us.
We cannot accept responsibility or liability for any issues arising in connection with either the third party’s use of your data, the site content or the services offered to you by these sites.
Privacy
Your personal data is protected in the UK by the Data Protection Act 1998.
Under this Act we will only process any data we hold about you in a lawful and fair manner.
We will keep your data securely to prevent unauthorised access by third parties.
Any personal data collected by Churchills through your use of the websites will only be used for the purposes specified on this website and will not be used for any other purposes without first obtaining your permission.
It may be necessary for us to disclose your personal data to third parties (for example insurance companies) for the purposes of carrying out your instructions.
These third parties may be outside the EU.
Cookies
The websites use cookies.
A cookie is a piece of data stored on the user’s hard drive containing information about the user.
On the websites usage of a cookie is in no way linked to any personally identifiable information while on our websites.
Once the user closes their browser, the cookie simply terminates.
If a user rejects the cookie, they may still use our websites.
The only drawback to this is that the user may be limited in some areas of our websites.
Cookies can also enable us to track and target the interests of our users to enhance the experience on our websites.
Some of our business partners (for example, advertisers) may use cookies on our websites.
However, we have no access to or control over these cookies.
Copyright Trademarks and Site Content
Unless indicated to the contrary, all materials on the websites including design, text, graphics and photographs are the copyright of Churchills.
Churchills are the owner of the trademarks appearing on this website and all associated trade names, logos and devices unless indicated to the contrary.
All other trade marks, logos and names appearing on this website are the property of their respective owners, as indicated.
You may download, print and copy extracts from the websites for your personal use only and any copied material must include all copyright or other proprietary notices appearing on it.
No right, title or interest in any downloaded materials or software is transferred to you by such downloading.
You may not make any other use of material on the websites (including reproductions except as above, publications, alteration or distribution) without our prior written permission.
General
Churchills may at any time make changes to the websites and the details displayed on them.
Churchills is not liable to you where performance of any of our obligations to you is prevented, frustrated or impeded by any circumstance or cause beyond its reasonable control.
If any part of these terms and conditions is found to be unenforceable as a matter of law, all other parts of these terms and conditions are not affected and will remain in force.
English law applies to these terms and conditions and any contract between us and the English Courts have jurisdiction over any disputes between us.
In these terms and conditions, “Churchills" means, Churchills International Consulting Limited (Company Number: 01659058) and any successor to its business;
Our details
Churchills International Consulting Limited
Chartwell
Edingley
Notts
NG22 8BZ
Churchills International Consulting Ltd are authorised and regulated by the Financial Services Authority (FSA Reg. No. 309451).
Registered in England and Wales No. 01659058, and its registered office is at 12 Bridgford Road, West Bridgford, Nottingham, NG2 6AB.
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