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Website Terms and Conditions

This website is operated by Midas Underwriting Ltd who are authorised and regulated by the Financial Services Authority. Please read these terms and conditions ("Terms") carefully. By accessing this website you agree to be bound by these terms, including the Midas Underwriting Ltd. If you do not agree to be bound by these terms you should not access or view this website.

Terms of Use

  1. While Midas Underwriting Ltd has made all reasonable efforts to ensure that the information on this website was correct at the time of inclusion, you should be aware that Midas Underwriting Ltd accepts no responsibility if the information is incomplete, inaccurate or out of date.
  2. Except as expressly provided for on this website, Midas Underwriting Ltd is not responsible for the content or use of any web pages or any message sent or received by you.
  3. All present and future copyright, trademarks, and other intellectual property rights relating to this website are vested in Midas Underwriting Ltd and its licensors. You acquire no rights in the website other than the limited right to use the website in accordance with these terms. You agree to protect the proprietary rights of Midas Underwriting Ltd and its licensors and agree to promptly notify Midas Underwriting Ltd in writing upon becoming aware of any unauthorised access or any use of the website that infringes upon any proprietary rights.
  4. You are permitted to print out or download information and content from this website only for your own personal non-commercial use or for the non-commercial use of your organisation. You may not offer for sale or sell or distribute over any medium any part of this website or its content. You may not make any part of the website available as part of another website, whether by hyperlink framing on the Internet or otherwise unless you have been authorised to do so in writing by Midas Underwriting Ltd.
  5. You shall not use this website for any illegal purposes and in particular you agree that you shall not send, use, copy, post or allow any posting which is defamatory or obscene or which is abusive, indecent or in breach of the privacy of any person. You agree not to send any unsolicited promotional or advertising material, spam or similar materials or any volume messages which may interfere with the operation of this website or with the enjoyment of this website by other visitors.
  6. Midas Underwriting Ltd reserves the right at any time and without notice to enhance, modify, alter, suspend or permanently discontinue all or any part of this website and to restrict or prohibit access to it.
  7. Information that we acquire will be treated as confidential and will not be disclosed, other than in accordance with our Privacy Policy or your instructions.
  8. In the normal course of performing services for our clients, information may be shared within Midas Underwriting Ltd and may be used both for research and statistical purposes and crime prevention. It may be transferred to any country, including countries outside the European Economic Area, for any of these purposes and for systems administration. It may also be used to provide our clients with information about products and services that we believe could be of interest
  9. You hereby agree to indemnify Midas Underwriting Ltd against any costs, claims, losses and damages (including legal fees) incurred by or awarded against Midas Underwriting Ltd as a result of your misuse of this website or your breach of these terms.
  10. While this website may provide links to other websites Midas Underwriting Ltd has no control over such sites. Midas Underwriting Ltd cannot accept any liability for the accuracy or otherwise of any content, or the security of any activity carried out on other such sites. Your use of such sites is at your sole risk.
  11. If you are in breach of these terms Midas Underwriting Ltd may as its option, suspend your access to this website and refuse to provide you with any further access to it.
  12. This website is provided to you free of charge without any warranties or guarantees unless specifically stated and Midas Underwriting Ltd accepts no liability to you (except in the case of personal injury or death caused by its negligence or for fraud) whether in contract, tort (including negligence) or otherwise, arising out of it in connection with this website. Your sole remedy is to discontinue using this website. Midas Underwriting Ltd liability shall not be limited in the case of death or personal injury directly caused by Midas Underwriting Ltd negligence.
  13. These terms may be amended by Midas Underwriting Ltd from time to time. Your use of this Website following such changes constitutes your acceptance of these changes.      
  14. These terms and conditions and the content of this website are governed by English law whose Courts shall have exclusive jurisdiction.

COOKIES POLICY

Cookies

This site uses ‘cookies' to help provide a secure service to you (the user). A cookie is a small piece of data which is sent from a web server to a web browser and stored locally on the user's machine. The cookie that is stored identifies your computer to our server. It is not an executable program and cannot do anything to the user's machine.

Whenever your web browser requests a file from the web server that sent the cookie, the browser sends a copy of that cookie back to the server identifying you for security purposes, but the cookie itself contains no private or sensitive information about you. Cookies may be switched off by referring to the Privacy Settings of your web browser but they must be enabled for our servers to recognise you, retain your profile as you navigate the website, and therefore for you to use our services.

What are cookies?

Cookies are small text files stored on your device by a web browser (for example Internet Explorer) that hold information about your previous visits to our site. On returning to our site this stored information is fed back to us allowing us to offer you a more personal browsing experience. By using our site you consent to cookies being used in accordance with our policy. For more information on cookies, visit the official ICO website at https://ico.org.uk/for-the-public/online/cookies , www.aboutcookies.co.uk or www.whatarecookies.com.

What do cookies do?

Cookies perform many different tasks within a website; however their key role is to remember your preferences to give you an improved service. If you've ever been on a website and placed items in your shopping basket, had to leave the site and returned later to find the items still in your basket, this is an example of cookies in action. Cookies also ensure that any adverts you see online will be more relevant to your interests.

How do cookies help when you visit our site?

Cookies allow us to treat you as an individual; using knowledge gained from your previous visits and preferences we can tailor our site so that it is more personal to you, allows you greater interactivity and is easier to use.

Why are we telling you this?

EU law now requires website operators to ask for permission before using certain kinds of cookies. To ensure you are completely aware of the types of cookies we use and to enable us to continue to bring you the best possible shopping experience, we are giving you a detailed outline of the cookies we use and their unique role in your shopping experience.

Types of cookies

Strictly necessary cookies - These cookies enable you to navigate our site and gain full access to its features and secure areas. Without these cookies essential services cannot be provided.

Performance cookies - These cookies remember information about how you and other customers use our website. This gives us vital information such as which pages are visited most often and if customers are receiving error messages from certain pages.

The role of these cookies is to allow us to analyse and improve the performance of our website ensuring you receive a consistent look, feel and user experience. Performance cookies (often known as web analytic cookies) don't collect any information that identifies the customer and all information collected is aggregated and therefore anonymous.

Functionality cookies - These cookies remember choices you made on previous visits to our site such as your username, language or region so we can provide enhanced, more personal features. They can also be used to remember changes you've made to text size, fonts and other parts of web pages you can customise. Functionality cookies can also be used to provide services you have previously asked for such as watching videos or commenting on a blog. The information collected by these cookies may be anonymised and they cannot track your browsing activity on other sites.

Cookies we use on this site

Performance Cookies

Google Analytics uses cookies on this site to measure user-interactions. It is a tool that helps website owners measure how users interact with website content. As a user navigates between web pages, Google Analytics provides website owners JavaScript tags (libraries) to record information about the page a user has seen, for example the URL of the page. The Google Analytics JavaScript libraries use HTTP Cookies to "remember" what a user has done on previous pages / interactions with the website.

The following performance  cookies are used on this site:

 

__utma

Purpose – Used to distinguish users and sessions. The cookie is created when the javascript library executes and no existing __utma cookies exists. The cookie is updated every time data is sent to Google Analytics.

__utmc

Purpose – this cookie operated in conjunction with the __utmb cookie to determine whether the user was in a new session/visit.

__ utmz

Purpose – Stores the traffic source or campaign that explains how the user reached your site. The cookie is created when the javascript library executes and is updated every time data is sent to Google Analytics.

__ utmt

Purpose – Used to throttle request rate.

Further information can be obtained at the following site:

https://developers.google.com/analytics/devguides/collection/analyticsjs/cookie-usage#gajs

 

 

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