In this Agreement the following terms shall have the following meanings:

1 All Content included on the Website, unless uploaded by Users, including, but not limited to, text, graphics, logos, icons, images, sound clips, video clips, data compilations, page layout, underlying code and software is the property of S&T Cover Ltd, our affiliates or other relevant third parties. By continuing to use the Website you acknowledge that such material is protected by applicable United Kingdom and International intellectual property and other relevant laws. 2 Subject to sub-clause 2.3 you may not reproduce, copy, distribute, store or in any other fashion re-use material from the Website unless otherwise indicated on the Website or unless given express written permission to do so by S&T Cover Ltd. 3 Material from the Website may be re-used without written permission where any of the exceptions detailed in Chapter III of the Copyright Designs and Patents Act 1988 apply.

This Website may contain links to other sites. Unless expressly stated, these sites are not under the control of S&T Cover Ltd or that of our affiliates. We assume no responsibility for the content of such Websites and disclaim liability for any and all forms of loss or damage arising out of the use of them. The inclusion of a link to another site on this Website does not imply any endorsement of the sites themselves or of those in control of them.

Those wishing to place a link to this Website on other sites may do so only to the home page of the site http://www.s-tcover.co.uk without prior permission. Deep linking (i.e. links to specific pages within the site) requires the express permission of S&T Cover Ltd. To find out more please contact us by email at webmaster@s-tcover.co.uk.

Use of the Website is also governed by our Privacy Policy which is incorporated into these terms and conditions by this reference. To view the Privacy Policy, please click on the link above.

1 S&T Cover Ltd makes no warranty or representation that the Website will meet your requirements, that it will be of satisfactory quality, that it will be fit for a particular purpose, that it will not infringe the rights of third parties, that it will be compatible with all systems, that it will be secure and that all information provided will be accurate. We make no guarantee of any specific results from the use of our Service. 2 No part of this Website is intended to constitute advice and the Content of this Website should not be relied upon when making any decisions or taking any action of any kind. 3 Whilst S&T Cover Ltd uses reasonable endeavours to ensure that the Website is secure and free of errors, viruses and other malware, all Users are advised to take responsibility for their own security, that of their personal details and their computers.

1 The Service is provided “as is” and on an “as available” basis. We give no warranty that the Service will be free of defects and / or faults. To the maximum extent permitted by the law we provide no warranties (express or implied) of fitness for a particular purpose, accuracy of information, compatibility and satisfactory quality. 2 S&T Cover Ltd accepts no liability for any disruption or non-availability of the Website resulting from external causes including, but not limited to, ISP equipment failure, host equipment failure, communications network failure, power failure, natural events, acts of war or legal restrictions and censorship. 3 S&T Cover Ltd reserves the right to alter, suspend or discontinue any part (or the whole of) the Website including, but not limited to, the products and/or services available. These Terms and Conditions shall continue to apply to any modified version of the Website unless it is expressly stated otherwise.

1 To the maximum extent permitted by law, S&T Cover Ltd accepts no liability for any direct or indirect loss or damage, foreseeable or otherwise, including any indirect, consequential, special or exemplary damages arising from the use of the Website or any information contained therein. Users should be aware that they use the Website and its Content at their own risk. 2 Nothing in these terms and conditions excludes or restricts S&T Cover Ltd’s liability for death or personal injury resulting from any negligence or fraud on the part of S&T Cover Ltd. 3 Every effort has been made to ensure that these terms and conditions adhere strictly with the relevant provisions of the Unfair Contract Terms Act 1977. However, in the event that any of these terms are found to be unlawful, invalid or otherwise unenforceable, that term is to be deemed severed from these terms and conditions and shall not affect the validity and enforceability of the remaining terms and conditions. This term shall apply only within jurisdictions where a particular term is illegal.

In the event that any party to these Terms and Conditions fails to exercise any right or remedy contained herein, this shall not be construed as a waiver of that right or remedy. 1. Previous Terms and Conditions In the event of any conflict between these Terms and Conditions and any prior versions thereof, the provisions of these Terms and Conditions shall prevail unless it is expressly stated otherwise. 1. Third Party Rights Nothing in these Terms and Conditions shall confer any rights upon any third party. The agreement created by these Terms and Conditions is between you and S&T Cover Ltd. 2. Communications 12.1 All notices / communications shall be sent to us either by post to our Premises (see address above) or by email to S&T Cover Ltd. Such notice will be deemed received 3 days after posting if sent by first class post, the day of sending if the email is received in full on a business day and on the next business day if the email is sent on a weekend or public holiday. 12.2 S&T Cover Ltd may from time to time send you information about our products and/or services. If you do not wish to receive such information, please click on the ‘Unsubscribe’ link in any email which you receive from us. 3. Law and Jurisdiction These terms and conditions and the relationship between you and S&T Cover Ltd shall be governed by and construed in accordance with the Law of England and Wales and S&T Cover Ltd and you agree to submit to the exclusive jurisdiction of the Courts of England and Wales.

In this Policy the following terms shall have the following meanings: “Data” means collectively all information that you submit to the S&T Cover Ltd via the Website. This definition shall, where applicable, incorporate the definitions provided in the Data Protection Act 1998; “Cookie” means a small text file placed on your computer by this Website when you visit certain parts of the Website and/or when you use certain features of the Website. Details of the cookies used by this Website are set out in Clause 12; “S&T” means S&T Cover Limited; “UK and EU Cookie Law” means the Privacy and Electronic Communications (EC Directive) Regulations 2003 as amended by the Privacy and Electronic Communications (EC Directive) (Amendment) Regulations 2011; “User” means any third party that accesses the Website and is not employed by S&T and acting in the course of their employment; and “Website” means the website that you are currently using http://www.s-tcover.co.uk and any sub-domains of this site (e.g. subdomain.s-tcover.co.uk) unless expressly excluded by their own terms and conditions.

This Policy applies only to the actions of S&T and Users with respect to this Website. It does not extend to any websites that can be accessed from this Website including, but not limited to, any links we may provide to social media websites.

Without limitation, any of the following Data may be collected by this Website from time to time: 1. name; 2. contact information such as email addresses and telephone numbers; 3. demographic information such as post code, preferences and interests; 4. IP address (automatically collected); 5. web browser type and version (automatically collected); 6. operating system (automatically collected); 7. a list of URLs starting with a referring site, your activity on this Website, and the site you exit to (automatically collected); and

1. Any personal Data you submit will be retained by S&T for one year. 2. Unless we are obliged or permitted by law to do so, and subject to Clause 5, your Data will not be disclosed to third parties. This does not include]our affiliates and / or other companies within our group. 3. All personal Data is stored securely in accordance with the principles of the Data Protection Act 1998. 4. Any or all of the above Data may be required by us from time to time in order to provide you with the best possible service and experience when using our Website. Specifically, Data may be used by us for the following reasons: 4.1 internal record keeping; 4.2 improvement of our products / services; 4.3 transmission by email of promotional materials that may be of interest to you; 4.4 contact for market research purposes which may be done using email, telephone, fax or mail. Such information may be used to customise or update the Website.

1. S&T may, from time to time, employ the services of other parties for dealing with matters that may include, but are not limited to, payment processing, delivery of purchased items, search engine facilities, advertising and marketing. The providers of such services have access to certain personal Data provided by Users of this Website. 2. Any Data used by such parties is used only to the extent required by them to perform the services that S&T requests. Any use for other purposes is strictly prohibited. Furthermore, any Data that is processed by third parties shall be processed within the terms of this Policy and in accordance with the Data Protection Act 1998.

This Website may, from time to time, provide links to other websites. S&T has no control over such websites and is in no way responsible for the content thereof. This Policy does not extend to your use of such websites. Users are advised to read the privacy policy or statement of other websites prior to using them.

1. S&T may, from time to time, expand or reduce our business and this may involve the sale and/or the transfer of control of all or part of S&T. Data provided by Users will, where it is relevant to any part of our business so transferred, be transferred along with that part and the new owner or newly controlling party will, under the terms of this Policy, be permitted to use the Data for the purposes for which it was originally supplied to us. 2. In the event that any Data submitted by Users is to be transferred in such a manner, you will be contacted in advance and informed of the changes. When contacted you will be given the choice to have your Data deleted or withheld from the new owner or controller.

1. Wherever you are required to submit Data, you will be given options to restrict our use of that Data. This may include the following: 1.1. use of Data for direct marketing purposes; and 1.2. sharing Data with third parties.

1. You may access certain areas of the Website without providing any Data at all. However, to use all features and functions available on the Website you may be required to submit certain Data. 2. You may restrict your internet browser’s use of Cookies. For more information see Clause 12.

You have the right to ask for a copy of any of your personal Data held by S&T (where such data is held) on payment of a small fee which will not exceed £20.

Data security is of great importance to S&T and to protect your Data we have put in place suitable physical, electronic and managerial procedures to safeguard and secure Data collected via this Website.

1. This Website may place and access certain Cookies on your computer. S&T uses Cookies to improve your experience of using the Website and to improve our range of products AND/OR services. S&T has carefully chosen these Cookies and has taken steps to ensure that your privacy is protected and respected at all times. 2. All Cookies used by this Website are used in accordance with current UK and EU Cookie Law. 3 Before the Website places Cookies on your computer, subject to sub-Clause 12.4 AND/OR sub-Clause 12.7, you will be presented with a pop-up message requesting your consent to set those Cookies. By giving your consent to the placing of Cookies you are enabling <<insert name>> to provide the best possible experience and service to you. You may, if you wish, deny consent to the placing of Cookies; however certain features of the Website may not function fully or as intended. 4. Certain features of the Website depend upon Cookies to function. UK and EU Cookie Law deems these Cookies to be “strictly necessary”. Your consent will not be sought to place these Cookies. You may still block these cookies by changing your internet browser’s settings as detailed below. 5. This Website uses analytics services provided by Google. Website analytics refers to a set of tools used to collect and analyse usage statistics, enabling us to better understand how Users use the Website. This, in turn, enables us to improve the Website and the products AND/OR services offered through it. You do not have to allow us to use these Cookies, as detailed below, however whilst our use of them does not pose any risk to your privacy or your safe use of the Website it does enable us to continually improve our business. 6. The analytics services used by this Website use Cookies to gather the required information. Certain of these Cookies may be placed immediately when you decide to visit the Website and it may not be possible to obtain your prior consent. You may remove these Cookies and prevent future use of them by following the steps set out below. 7. You can choose to enable or disable Cookies in your internet browser. Most internet browsers also enable you to choose whether you wish to disable all cookies or only third party cookies. By default, most internet browsers accept Cookies but this can be changed. For further details, please consult the help menu in your internet browser. 8. You can choose to delete Cookies at any time however you may lose any information that enables you to access the Website more quickly and efficiently including, but not limited to, personalisation settings. 9. It is recommended that you ensure that your internet browser is up-to-date and that you consult the help and guidance provided by the developer of your internet browser if you are unsure about adjusting your privacy settings.

S&T reserves the right to change this Policy as we may deem necessary from time to time or as may be required by law. Any changes will be immediately posted on the Website and you are deemed to have accepted the terms of the Policy on your first use of the Website following the alterations.