Introduction
These terms and conditions apply between you, the User of this Website (including any sub-domains, unless expressly excluded by their own terms and conditions), and Sirelark Group Limited, the owner and operator of this Website. Please read these terms and conditions carefully, as they affect your legal rights. Your agreement to comply with and be bound by these terms and conditions is deemed to occur upon your first use of the Website. If you do not agree to be bound by these terms and conditions, you should stop using the Website immediately.
In these terms and conditions, User or Users means any third party that accesses the Website and is not either (i) employed by Sirelark Group Limited and acting in the course of their employment or (ii) engaged as a consultant or otherwise providing services to Sirelark Group Limited and accessing the Website in connection with the provision of such services.
You must be at least 18 years of age to use this Website. By using the Website and agreeing to these terms and conditions, you represent and warrant that you are at least 18 years of age.

Intellectual property and acceptable use
1. All Content included on the Website, unless uploaded by Users, is the property of Sirelark Group Limited, our affiliates or other relevant third parties. In these terms and conditions, Content means any text, graphics, images, audio, video, software, data compilations, page layout, underlying code and software and any other form of information capable of being stored in a computer that appears on or forms part of this Website, including any such content uploaded by Users. By continuing to use the Website you acknowledge that such Content is protected by copyright, trademarks, database rights and other intellectual property rights. Nothing on this site shall be construed as granting, by implication, estoppel, or otherwise, any license or right to use any trademark, logo or service mark displayed on the site without the owner’s prior written permission
2. You may, for your own personal, non-commercial use only, do the following:
a. retrieve, display and view the Content on a computer screen
b. download and store the Content in electronic form on a disk (but not on any server or other storage device connected to a network)
c. print one copy of the Content
3. You must not otherwise reproduce, modify, copy, distribute or use for commercial purposes any Content without the written permission of Sirelark Group Limited.
4. You acknowledge that you are responsible for any Content you may submit via the Website, including the legality, reliability, appropriateness, originality and copyright of any such Content. You may not upload to, distribute or otherwise publish through the Website any Content that (i) is confidential, proprietary, false, fraudulent, libellous, defamatory, obscene, threatening, invasive of privacy or publicity rights, infringing on intellectual property rights, abusive, illegal or otherwise objectionable; (ii) may constitute or encourage a criminal offence, violate the rights of any party or otherwise give rise to liability or violate any law; or (iii) may contain software viruses, political campaigning, chain letters, mass mailings, or any form of “spam.” You may not use a false email address or other identifying information, impersonate any person or entity or otherwise mislead as to the origin of any content. You may not upload commercial content onto the Website.
5. You represent and warrant that you own or otherwise control all the rights to the Content you post; that the Content is accurate; that use of the Content you supply does not violate any provision of these terms and conditions and will not cause injury to any person; and that you will indemnify Sirelark Group Limited for all claims resulting from Content you supply.

Prohibited use
6. You may not use the Website for any of the following purposes:
a. in any way which causes, or may cause, damage to the Website or interferes with any other person’s use or enjoyment of the Website;
b. in any way which is harmful, unlawful, illegal, abusive, harassing, threatening or otherwise objectionable or in breach of any applicable law, regulation, governmental order;
c. making, transmitting or storing electronic copies of Content protected by copyright without the permission of the owner.

Registration
7. You must ensure that the details provided by you on registration or at any time are correct and complete.
8. You must inform us immediately of any changes to the information that you provide when registering by updating your personal details to ensure we can communicate with you effectively.
9. We may suspend or cancel your registration with immediate effect for any reasonable purposes or if you breach these terms and conditions.
10. You may cancel your registration at any time by informing us in writing to the address at the end of these terms and conditions. If you do so, you must immediately stop using the Website. Cancellation or suspension of your registration does not affect any statutory rights.

Password and security
11. When you register on this Website, you will be asked to create a password, which you should keep confidential and not disclose or share with anyone.
12. If we have reason to believe that there is or is likely to be any misuse of the Website or breach of security, we may require you to change your password or suspend your account.

Links to other websites
13. This Website may contain links to other sites. Unless expressly stated, these sites are not under the control of Sirelark Group Limited or that of our affiliates.
14. 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.
15. 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.

Privacy Policy and Cookies Policy
16. Use of the Website is also governed by our Privacy Policy and Cookies Policy, which are incorporated into these terms and conditions by this reference. To view the Privacy Policy and Cookies Policy, please click on the following https://sirelark.com/privacy-cookie-policy/

Availability of the Website and disclaimers
17. Any online facilities, tools, services or information that Sirelark Group Limited makes available through the Website (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. Sirelark Group Limited is under no obligation to update information on the Website.
18. Whilst Sirelark Group Limited uses reasonable endeavours to ensure that the Website is secure and free of errors, viruses and other malware, we give no warranty or guaranty in that regard and all Users take responsibility for their own security, that of their personal details and their computers.
19. Sirelark Group Limited accepts no liability for any disruption or non-availability of the Website.
20. Sirelark Group Limited reserves the right to alter, suspend or discontinue any part (or the whole of) the Website including, but not limited to, any 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.

Limitation of liability
21. Nothing in these terms and conditions will: (a) limit or exclude our or your liability for death or personal injury resulting from our or your negligence, as applicable; (b) limit or exclude our or your liability for fraud or fraudulent misrepresentation; or (c) limit or exclude any of our or your liabilities in any way that is not permitted under applicable law.
22. To the extent that the Website and Content are provided free of charge, we will not be liable to you for any loss or damage of any kind.
23. We will not be liable to you in respect of any losses arising out of events beyond our reasonable control.
24. To the maximum extent permitted by law, Sirelark Group Limited accepts no liability for any of the following:
a. any business losses, such as loss of profits, income, revenue, anticipated savings, business, contracts, goodwill or commercial opportunities;
b. loss or corruption of any data, database or software;
c. any special, indirect or consequential loss or damage.

General
25. You may not transfer any of your rights under these terms and conditions to any other person. We may transfer our rights under these terms and conditions where we reasonably believe your rights will not be affected.
26. These terms and conditions may be varied by us from time to time. Such revised terms will apply to the Website from the date of publication. Users should check the terms and conditions regularly to ensure familiarity with the then current version.
27. These terms and conditions together with the Privacy Policy and Cookies Policy contain the whole agreement between the parties relating to its subject matter and supersede all prior discussions, arrangements or agreements that might have taken place in relation to the terms and conditions.
28. The Contracts (Rights of Third Parties) Act 1999 shall not apply to these terms and conditions and no third party will have any right to enforce or rely on any provision of these terms and conditions.
29. If any court or competent authority finds that any provision of these terms and conditions (or part of any provision) is invalid, illegal or unenforceable, that provision or part-provision will, to the extent required, be deemed to be deleted, and the validity and enforceability of the other provisions of these terms and conditions will not be affected.
30. Unless otherwise agreed, no delay, act or omission by a party in exercising any right or remedy will be deemed a waiver of that, or any other, right or remedy.
31. This Agreement shall be governed by and interpreted according to the law of England and Wales and all disputes arising under the Agreement (including non-contractual disputes or claims) shall be subject to the exclusive jurisdiction of the English and Welsh courts.

Sirelark Group Limited details
32. Sirelark Group Limited is a company incorporated in England and Wales with registered number 11084155 whose registered address is 12 Church Street, Cromer, Norfolk, NR27 9ER and it operates the Website https://www.tomh126.sg-host.com.
You can contact Sirelark Group Limited by email on info@tomh126.sg-host.com.

Attribution
33. These terms and conditions were created using a document from Rocket Lawyer (https://www.rocketlawyer.co.uk).

Knack.com
Where Sirelark Group Limited has used Knack.com’s app development platform, we are subject to Knack.com’s terms of service and are obliged to disclose that we use its platform and refer our customers to its Terms of Service (https://www.knack.com/terms-of-service) and its Privacy Statement (https://www.knack.com/privacy). Our apps and the data stored on those apps is hosted on European servers and they comply with the EU’s General Data Protection Regulations (GDPR). Please see https://www.knack.com/gdpr for more information.

Google Analytics
Google Analytics is a web analysis service provided by Google Inc. (“Google”). Google utilises the data collected to track and examine the use of this website, to prepare reports on its activities and share them with other Google services. Google may use the data collected to contextualise and personalise the ads of its own advertising network.
Personal Data collected: Cookies and Usage Data.
Place of processing: US – Privacy Policy – Opt Out

The Sirelark Blog
The Sirelark Blog is designed to be a journalistic platform to provide interesting thoughts about risk and insurance. It is designed to provide readers with an alternative insight into the workings of an industry which has traditionally been opaque and difficult to understand. However in no degree do we guarantee that what we write is perfect. Furthermore the blog is not designed to provide risk and insurance advice.
If you like what we write and decide to use the information to make risk and insurance decisions, you must do you own additional research to validate your findings and before you make a final decision to buy regulated insurance products, always seek out the advice of a regulated and authorised risk and insurance practitioner. If you need any help selecting a reputable practitioner, please feel free to email us.
Note also that while the regulatory authorities in the UK seek to oversee and ensure that insurance companies are adequately capitalised and operate within the law, all companies that take on commercial risk are themselves at risk of becoming insolvent (to a greater or lesser degree). For this reason you must always do your own research on insurance companies and take care when choosing who to partner with.
Naturally we occasionally link to other web sites in our blog, but per our terms and conditions we are not responsible for their content.
We may switch on the ability for readers to leave comments linked to our blog posts, but please note that while we do moderate these contributions, they are not our opinions and we do not validate the information provided by these third party authors.