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Terms and conditions of use and privacy policy

Terms & Conditions of Use
(Dated: 23 September, 2015)

Use of this site:

www.DTW1991.com (“the Website”) is the property of R&Q Managing Agency Limited (“RQMA”) acting on behalf of Syndicate DTW1991 at Lloyd’s (“DTW1991”).

These are the general terms and conditions that govern your use of the Website. If you continue to use the Website you are agreeing to comply with and be bound by the following terms and conditions of use which may be enforced against you by RQMA and DTW1991. The term ‘You’ refers to the user or viewer of the Website.

This Website contains general information on RQMA and DTW1991 and the services and products that they offer. The Website and its contents are not intended to constitute investment or other advice (nor any solicitation to participate in investment or other business) in any country in the world.

Operation of Website

RQMA and DTW1991 reserve the right to make changes to or update these terms and conditions from time to time. Any such changes may be provided to you by any reasonable means including, but not limited to, posting a revised terms and conditions on the Website.

It remains your responsibility to access and check these terms and conditions whenever you access the Website as the latest version of these terms and conditions will govern any future usage by you of the Website. You will be able to determine when this was most recently revised by reading the date at the top of this page.

Whilst we take all reasonable steps to ensure that the information contained within these pages is accurate and up-to-date, we do not accept any liability for any errors or omissions.

If you are in any doubt as to the validity of information made available within these pages, we recommend you seek verification by contacting us. In addition we cannot warrant that this Website will be free of viruses or defects of any description and we will not be held responsible for any technical problems you may suffer as a result of your use of this Website.

Copyright & Intellectual Property Rights

All copyright and intellectual property rights in the text, images and other materials of the Website are owned by RQMA and DTW1991 or, where necessary, the permission of the relevant owner has been sought. Any reproduction or forwarding of materials or content from the Website is not permitted without prior permission. You shall notify RQMA and DTW1991 immediately if you become aware of any unauthorised use or copying by any person.

Use of this Website

You agree to use the Website in a manner that is consistent with any and all applicable laws and regulations in the country in which you access the Website.

Your Personal Information

Personal data provided by you to RQMA and DTW1991 will be held and processed in the manner set out by our Privacy Policy, which forms part of these terms and conditions.

Statutory Status Disclosure

Syndicate DTW1991 at Lloyd’s is managed by R&Q Managing Agency Limited. 

R&Q Managing Agency Limited is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority.

R&Q Managing Agency Limited is registered in England and Wales under Company Number 04690709 with its Registered Office at 71 Fenchurch Street, London EC3M 4BS.

Disclosure

Neither RQMA nor DTW1991 will be liable for any loss of use, profits, savings or data or any indirect, special or consequential damages or losses, whether such losses arise in contract, negligence or tort, including without limitation to the foregoing any losses in relation to your use of, reliance upon or inability to use the Website.

Applicable Law

These terms and conditions shall be governed and interpreted in accordance with English law, and in the event of a dispute you irrevocably consent to the non-exclusive jurisdiction of the English courts.

Privacy Policy

What information do we collect?

The Website is provided solely for informational purposes. You can access the Website home page and browse our site without disclosing your personal data. The Website does not enable visitors to communicate with other visitors or to post information to be accessed by others.

Parts of the Website invite you to contact us using either our telephone number or by using the email addresses provided. You may wish to contact us in this way, for example, to request further information in relation to our services or regarding any other enquiries you may have.

How do we use the information we collect?

Personal information provided by you using the contact information contained within the Website will only be used to respond to enquiries and will not be used for marketing purposes or shared with any third party for marketing purposes.

We do not automatically log personal data nor do we link information automatically logged by other means with personal data about specific individuals.

How do we protect your information?

As required by the Data Protection Act 1998, we follow strict security procedures in the storage and disclosure of information which you have given to us, to prevent unauthorised access or loss of such information.

While we cannot ensure or guarantee that loss, misuse or alteration of information will not occur, we use our best efforts to prevent this.

You should also be aware that communications over the internet, such as e-mails, are not secure unless they have been encrypted. Your communication may route through a number of countries before being delivered – this is the nature of the internet. RQMA and DTW1991 cannot accept responsibility for any non-delivery or loss of personal information.

Use of Cookies

This site uses cookies – small text files that are placed on your machine to help the site provide a better user experience. In general, cookies are used to retain user preferences, store information for things like shopping carts, and provide anonymised tracking data to third party applications like Google Analytics. As a rule, cookies will make your browsing experience better. However, you may prefer to disable cookies on this site and on others. The most effective way to do this is to disable cookies in your browser. We suggest consulting the Help section of your browser or taking a look at the About Cookies website which offers guidance for all modern browsers

We use a number of different cookies on our site. If you do not know what cookies are, or how to control or delete them, then we recommend you visit www.aboutcookies.org for detailed guidance.

The only cookie that we currently use is Google Analytics (see below). We operate an ‘implied consent’ policy for this which means that we assume you are happy with this usage. If you are not happy, then you should either not use this site, or you should delete the cookies having visited the site, or you should browse the site using your browser’s anonymous usage setting (called “Incognito” in Chrome, “InPrivate” for Internet Explorer, “Private Browsing” in Firefox and Safari etc.)

Google Analytics: We use Google Analytics to collect information about visitor behaviour on our website. Google Analytics stores information about what pages you visit, how long you are on the site, how you got here and what you click on. This Analytics data is collected via a JavaScript tag in the pages of our site and is not tied to personally identifiable information. We therefore do not collect or store your personal information (e.g. your name or address) so this information cannot be used to identify who you are.

You can find out more about Google’s position on privacy as regards its analytics service at www.google.com/analytics/terms/gb.html

Other Websites

The Website has links to third party websites as a convenience for users of the Website. RQMA and DTW1991 do not control these third party websites and accordingly has no control over or responsibility for their content. The third party website links are not and should not be construed as endorsements by RQMA and DTW1991 of these websites or their contents.

When you link to a third party website, the operator of such other website may collect information about you. Information collection or privacy practices of any other party are beyond our control or ability to monitor. You should review the privacy policies of any other website that you visit to understand how your information may be collected and used.