Introduction

Please carefully read the information below as it contains the terms and conditions ("Terms of Use") of use of the Protego website (the "Website"). By accessing this Website, you shall be deemed to have accepted the Terms and Conditions in full. If you do not accept the Terms of Use in full, you must leave this Website immediately. You may access most areas of this Website without registering your details with us. Certain areas of this Website are only open to you if you register.

Companies Operating on the Website
Intellectual Property
Use of Website Materials
Software
Links to and from other websites
Products and Services
Direct Debit Transactions
Visitor Conduct
Service Access
Liability
Disclaimer
Waiver
Governing Law and Jurisdiction

Companies Operating on the Website

This Website is operated by the Protego Group Limited ("Protego") a company incorporated in England and Wales (Company No. 4762595). Protego is authorised and regulated by the Financial Conduct Authority (the "FCA") and is entered on the FCA's Register with the registered number 304363. To obtain access to the FCA's Register go to www.fca.org.uk/register. Protego may revise these Terms of Use at any time. You should check this Website from time to time to review the then current Terms and Conditions, because they are binding on you. Protego may amend certain provisions of these Terms of Use by placing a legal notice on this Website.

Intellectual Property

Unless expressly stated otherwise on the Website, Protego is the proprietor of all images, trademarks, product, brand and company names, titles, copyrights or logos referred to in this Website. No permission or license is given by Protego to you or any other person in respect of the use of any of their intellectual property rights except as expressly sated in these Terms of Use. Protego owns all of the intellectual property rights existing in the brand.
Protego shall take any action that it deems necessary to protect its intellectual property rights and this Website. If you breach any of the terms in this legal notice, your permission to use this Website automatically terminates and you must immediately destroy any downloaded or printed extracts from this Website. In addition, Protego shall be entitled to pursue a claim for damages or any other appropriate remedy.

Use of Website Materials

Except where otherwise indicated, Protego owns all copyright, design, text, images, graphics, database rights and other intellectual property rights that may exist in the content appearing in this Website or any part of it ("Materials"). You may view and/or download the Materials only for the purpose of non-commercial use provided that all copyright and proprietary notices contained in the original Materials or copy thereof shall be retained.
Any use including, but not limited to, reproduction, republication, modification and distribution of the Materials for public or commercial use without Protego's prior written consent is strictly prohibited.
Any emails or telephone calls made as a result of your access to this Website may be recorded for training and fraud prevention purposes. By using these forms of communication you agree to such activities taking place.

Software

Any software that you download from this Website is subject to that software's own license terms.

Links to and from other websites

This Website may contain links to other websites including those owned and operated by third parties. These links are provided solely for your convenience. If you use these links, you leave this Website. Protego 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. Protego therefore does not endorse or make any representations about them, or any material found there, or any results that may be obtained from using them. If you decide to access any of the third party websites linked to this Website, you do so entirely at your own risk.

Products and Services

The purpose of the Website is to promote Protego's services and those of its business partners. Any information on this Website does not constitute a legally binding offer by Protego to provided services or products. It also should not be regarded as an invitation to engage in investment activity or financial promotion within the Financial Services & Markets Act 2000 or any subordinate legislation.
When you make a request to purchase any products or services, this will be regarded as an offer to be accepted or rejected by Protego or its business partners who will, in their absolute discretion, accept or reject your offer and it shall be subject to the product terms and conditions.
If you apply for any product or service detailed on the Website, the Terms of Use herein should be read in conjunction with any other terms and conditions relating to that product or service which shall prevail in the event of any inconsistency with the Terms of Use.

Important Notice:

It is essential that any information you provide to Protego during the course of using this Website is accurate and true to the best of your knowledge and belief. You agree to indemnify Protego for any loss it suffers due to any misrepresentation, misdescription or non-disclosure of any material fact by you. FAILURE TO DISCLOSE ANY MATERIAL FACTS MAY AFFECT YOUR CLAIM OR RENDER ANY COVER VOID. If you have any doubt then you should consult with us.

Direct Debit Transactions

It is your responsibility to ensure that you have sufficient funds to cover the cost of the product or service that you acquire from Protego. Protego retains direct debit details you provide. Except in exceptional circumstances any refund Protego provides is made back to the account used to make payment in the first place.

Visitor Conduct

You are prohibited from posting on this Website any material that is threatening, defamatory, obscene, indecent, offensive, pornographic, abusive, libellous, and discriminatory or other material that may cause offence or annoyance.

Service Access

Protego does not guarantee that this Website will be available 24 hours a day and Protego shall not be liable if for any reason this Website is unavailable at any time or for any period. Protego may suspend access to the Website temporarily and without notice in the case of system failure, maintenance or repair or for reasons beyond Protego's control.

Liability

Protego, any other party (whether or not involved in creating, producing, maintaining or delivering this Website), and any of Protego's officers, directors, employees, shareholders or agents of any of them, exclude all liability and responsibility for any amount or kind of loss or damage that may result to you or a third party (including without limitation, any direct, indirect, punitive or consequential loss or damages, or any loss of income, profits, goodwill, data, contracts, use of money, or loss or damages arising from or connected in any way to business interruption, and whether in tort (including without limitation negligence), contract or otherwise) in connection with this Website in any way or in connection with the use, inability to use or the results of use of this Website, any websites linked to this Website or the material on such websites, including but not limited to loss or damage due to viruses that may infect your computer equipment, software, data or other property on account of your access to, use of, or browsing this Website or your downloading of any material from this Website or any websites linked to this Website.
Nothing in this legal notice shall exclude or limit Protego's liability for:
(a) death or personal injury caused by negligence (as such term is defined by the Unfair Contract Terms Act 1977); or
(b) fraud; or
(c) misrepresentation as to a fundamental matter; or
(d) any liability which cannot be excluded or limited under applicable law.
If your use of material on this Website results in the need for servicing, repair or correction of equipment, software or data, you assume all costs thereof.

Disclaimer

While Protego endeavours to ensure that the information on this Website is correct, Protego does not warrant the accuracy, correctness and completeness of the material on this Website. No information on this Website constitutes legal or professional advice and should not be relied upon in any way. The enforceability or otherwise of any provisions of these Terms of Use shall not affect the enforceability of the rest of these Terms of Use.

Waiver

If you breach the Terms of Use and Protego does not take immediate action against you, Protego will still be entitled to enforce our rights and remedies in respect of any such breach or any subsequent breach.

Governing Law and Jurisdiction

These Terms of Use shall be governed by and construed in accordance with English law. Disputes arising in connection with this legal notice shall be subject to the exclusive jurisdiction of the English courts.
This website is targeted at residents of the United Kingdom only and the content and information provided on this Website may be illegal in territories outside of the United Kingdom. If you are not a resident of the United Kingdom access to this Website is prohibited and Protego request that you do not use this Website.
Access to this Website is subject to Protego's Privacy Policy. Updated: April 2018