legal matters

Terms and Conditions

Your access to and use of is governed by the terms and conditions listed below as well as all applicable laws. We at welcome you to our website and subdomains (collectively, the "Website"). Upon accessing and using this site, you indicate your acceptance of the terms and conditions listed below, without limitation or exception. Unless otherwise noted, the contents of this website, including text and images, are the property of All brand names mentioned or used in this website are the property of their respective owners. Copyright, patent, and trademark rights are not granted implicitly or in any other way by as a result of the contents of this website.

It is your responsibility to review these Terms of Service from time to time for any modifications, as they create a binding legal agreement between you and These Terms of Service may be modified at any time without notice to you. If you do not agree to these Terms of Service, you may not use the Website. We may modify these Terms of Service at any time without notice to you. By using the Website after we have made any changes, you agree to them all.

You may have to register for an account in order to use some of the features of the Website. You may not log in to the Website using someone else's account. You must provide accurate and up-to-date information when establishing your account. You may not use a nickname or contact information that does not belong to you when signing up for an account. You are fully liable for everything that happens on your account. If someone is using your account without your permission, you must notify us immediately. Your password must be safeguarded carefully. You may not transfer your account to someone else. We are not liable for any damages or losses caused by someone using your account without your permission. However, if we (or anyone else) suffer any damage due to the unauthorized use of your account, you may be liable.

This website is meant for your information and personal use only. You are not permitted (nor will you agree not to) utilise, distribute, transmit, broadcast, sell, or perform any other activity with the website for any purpose other than that for which it was intended.

The content you post on the Website is exclusively your responsibility. By 'User Content,' we mean any content you publish on the Website. 'Content' refers to any data, text, music, sound, pictures, graphics, video, messages, tags, interactives, or any other materials. Posting, uploading, sharing, submitting, or otherwise providing User Content using the Website is what we mean by 'posting.'

Any User Content you post on this website is considered non-confidential and non-proprietary unless otherwise stated. You acknowledge that you are legally permitted to post such information and agree not to post any confidential information unless you are legally permitted to do so. Because the Internet is so open, we advise against posting information you believe to be confidential.

Outside of established business relationships, does not accept unsanctioned idea submissions. We must handle the matter with great care to protect the interests of our present clients and ourselves. cannot and will not accept any such submissions if there is no prior documented business relationship. Therefore, do not send unauthorized idea submissions through the Website. A similar idea created by without compensating you or accounting to you may be used, published, and freely disclosed without charge if it is disclosed to outside of a pre-existing confidential business relationship. will make every effort to either return or destroy unauthorized idea submissions without studying them in detail, provided that has the sole discretion to study them. However, if an evaluation is required in's sole judgment, you will be aware that does not guarantee confidentiality for your submissions or compensation for their disclosure or use. By using the Website to submit an idea or other detailed material, you agree to be bound by the terms of this policy.

The following restrictions apply to the content you publish and your behaviour on our website. As specified above, you may only publish content that you own unless you have asked for permission. This includes copyrighted material, trade secrets, privacy and publicity rights, and other proprietary rights. To disguise the source of any content you submit, you may not forge headers or alter other codes. Please don't post any content that contains falsehoods, lies, or misrepresentations, as they may damage us or someone else. It is illegal to post obscene, defamatory, libelous, threatening, pornographic, harassing, hateful, racially or ethnically offensive, or criminal content. It may also encourage criminal conduct, lead to civil liability, violate the law, or be inappropriate. Don't send us any unsolicited or unauthorized advertising or promotion materials.

We prohibit any material that might damage or impair our website or any other computer systems or data, including computer worms, computer viruses, and computer scripting exploits. We also prohibit uploading any material to our website that might damage or corrupt our website or any other computer systems or data. Furthermore, we do not allow users to post content that violates child pornography laws, child sexual exploitation laws, or any other laws protecting children. You may not collect or gather other people's personal information from our website without their consent. Finally, we have the sole right to remove any material from our website at any time that we believe is inappropriate, whether for a reason or not.

We do not monitor any of the User Content posted by our users. We do not endorse any User Content or support any ideas, thoughts, suggestions, or advices contained in user submissions. User Content is submitted by our users from a range of sources, and we make no guarantees about the dependability of any source or the accuracy, reliability, appropriateness, safety, or intellectual property rights of any user submission. You may find User Content that is offensive, inaccurate, indecent, or objectionable on our website. We will not be held responsible in any way for your use of our website, including your exposure to User Content.

You may not copy, reproduce, republish, upload, post, or distribute the materials in the Website, including graphical images, audio, video, HTML code, buttons, and text, without the prior written consent of, except that you may download, display, and print one copy of the materials on any single computer solely for your personal, non-commercial use.

The content on the Website is for free and for educational purposes only, and does not constitute a business or professional relationship between you and Links on the Website may connect you to services or websites operated by other organizations. We make no warranty about the other websites or services mentioned on the site. You are responsible for anything you do with the information on the website, or with any website or service linked to by the website.

The Website and its information are offered “as is” and makes no representation or guarantee about the Website or about any site or service accessible through the Website. In no event will be responsible to any party for any financial, non-financial, or other damage, including, but not limited to, lost profits, loss of programs or data, regardless of the form of action, whether in contract, tort, negligence, strict liability, or otherwise, resulting from or connected to the Website, any content on or obtained via the Website, or any service linked to or offered by the site.

We have the right to terminate or suspend your use of the Website or any part of it at any time, without notice, without any liability to us. We may also terminate or suspend your permission to use the Website at any time and without notice if you are in violation of these Terms of Service, your failure to pay any fees when due, upon the request of law enforcement or government agencies, for extended periods of inactivity, for unexpected technical issues or problems, or for engagement in fraudulent or illegal activities. If we terminate your access to the Website for any of these reasons, we will not refund any fees you may have paid.

If you wish to terminate your account, you must delete all of your content from the Website, including your passwords and usernames. You also understand that after you have stopped using the Website, your user content may still be available. You agree that neither we nor any third party will be liable to you or any other person for closing your account or accessing the Website.

The Website is operated and controlled by in the United Kingdom. These Terms of Service and all legal actions or proceedings relating to the Website shall be governed by the laws of the United Kingdom without regard to its choice of law rules. If you wish to bring legal proceedings against, you acknowledge that may elect to select the jurisdiction in which such action against us may be held. You have agreed by using the Website to choose the law of the United Kingdom to govern any such proceedings, so we will defend any such action in the United Kingdom and can make this decision without regard to where you are located, or from where you visited the Website. By accessing or using the information on the Website, you agree not to violate the law of the jurisdiction from which you are accessing the Website.

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This site is run by Marion Travers who is a blogger and not an insurance expert. It is meant for entertainment only so it may contain errors, misinformation and downright rubbish.

If you want to know about insurance, please contact a professional, not me.