Incorporating Hargreaves Perkins Insurance Brokers
British Insurance Brokers' Association | Member

Website’s Terms of Use

Introduction (the “Site”) is owned and operated by Rowlands & Hames Insurance Brokers Ltd. (“Rowlands & Hames”) whose registered office is Chiltern House, 181 Bristol Avenue, Bispham, Blackpool, Lancashire, FY2 0FP, UK.

By accessing and using the Site you are agreeing to these terms and conditions. You must read the important disclaimers which follow as they affect your use of the Site.

No Warranties

Due to the nature of the internet Rowlands & Hames does not give any warranties in respect of the site (including the content and any software or services available through it). Rowlands & Hames does not warrant or represent that the site is accurate, complete, current or virus free.

Rowlands & Hames (to the fullest extent allowed by law) disclaims all warranties, conditions or duties of every nature whatsoever, including without limitation, any implied warranties of satisfactory quality or of fitness for a particular purpose, any express or statutory warranties, and any warranties or duties regarding accuracy, timeliness, completeness or performance.

Rowlands & Hames also makes no warranty that the site is free from infection by viruses, trojan horses or worms or anything else that has contaminating or destructive properties.


You agree that (to the fullest extent allowed by law) Rowlands & Hames will not be liable to you and/or any third party for any damages (including, without limitation, damages for any indirect or consequestial loss, loss of business opportunities or projects, or loss of profits) howsoever arising even if Rowlands & Hames has been advised of the possibilitiy of such damages and even in the event of fault, tort (including negligence, strict liability or otherwise).


You may link to this Site provided you link to the home page in a new browser window. You may not deep-link nor frame this Site.

The Site may contain hyperlinks to websites provided by third parties outside of Rowlands & Hames. Rowlands & Hames is not responsible for the availability or content of such sites. Links to third party sites are provided solely as a convenience to you and do not constitute any endorsement, authorisation, sponsorship, affiliation or publication by Rowlands & Hames of such site, its owners or providers.

Personal and Other Information

The information you provide about yourself to Rowlands & Hames will only be used by Rowlands & Hames and associated companies in order to provide its services.

You may provide Rowlands & Hames with non-personal information (for instance, feedback, data, questions, comments and suggestions) from which it is not possible to identify you as an individual. Rowlands & Hames shall be free to use any ideas, know-how or techniques provided by you for any purpose whatsoever including but not limited to developing, manufacturing and marketing products incorporating such ideas, know-how or techniques.


There are risks in using any information, software or products on the Internet and Rowlands & Hames cautions you to make sure you completely understand these before retrieving, using or relying upon or purchasing anything via the Internet. It is your responsibility to verify any information before relying on it.

Rowlands & Hames reserves the right to make changes to any part of Site and these terms

These terms shall be governed by, and construed in accordance with, English law. You irrevocably agree that the courts of England shall (subject to the paragraph below) have exclusive jurisdiction to settle any dispute which may arise out of, under, or in connection with these terms or the relationship established by them.

For the exclusive benefit of Rowlands & Hames, Rowlands & Hames shall retain the right to bring proceedings as to the substance of the matter in the courts of the country of your residence or, where these terms are entered into in the course or your business, the country of your principal place of business.

If any provision of these terms is found to be invalid by any court having competent jurisdiction, the invalidity of that provision will not affect the validity of the remaining provisions which shall remain in full force and effect.

Failure by Rowlands & Hames to exercise any right or remedy under these terms does not constitute a waiver of that right or remedy.

Headings in these terms are for convenience only and shall have no legal meaning or effect.

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