Legal Notices

These terms of use (also referred to herein as the “agreement”) govern your use of the website (as defined below). By accessing this site, you are indicating your acknowledgment and acceptance of these terms of use (you may also have accepted these terms of use in other ways). These terms of use are subject to change by Ballantyne Brokers Ltd. At any time in its discretion. Your use of the website after such changes are implemented constitutes your acknowledgment and acceptance of the changes. Please consult these terms of use regularly.

I. Definitions

A. “Ballantyne Brokers Ltd and any and all subsidiaries.

B. “Ballantyne Brokers Ltd Website” or “Website” means all websites, and all subsequent pages made available by or through such websites, owned or operated by Ballantyne Brokers Ltd or its subsidiaries. Please note, however, that the Ballantyne Brokers Ltd Website may contain links to third-party URLs. Once such a third-party link has been accessed, a user is no longer accessing the Ballantyne Brokers Ltd Website

C. “You” and “Your” means you, an individual user entering into this Agreement, or the entity on whose behalf you enter into this Agreement.

II. Your use of the Ballantyne Brokers Ltd website

A. Your use of the Ballantyne Brokers Website shall be governed exclusively by the terms of this Agreement.

B. The Website includes original works of authorship (including, but not limited to, derivative works based on graphical scans or typed text of public domain materials) that are both proprietary and intellectual properties of Ballantyne Brokers Ltd or its suppliers and are protected by both the terms of this Agreement as well as domestic and foreign contractual and intellectual property laws including but not limited to copyright, trademark, patent, and trade secret laws.

1. Copyright. All content included on this site, such as text, graphics, logos, button icons, images, audio clips, digital downloads, data compilations, and software, is the property of Ballantyne Brokers Ltd its suppliers, or Ballantyne Brokers Ltd or its suppliers’, licensors and is protected by United Kingdom and international copyright laws. The compilation of all content on this site is the exclusive property of Ballantyne Brokers Ltd and protected by U.K. and international copyright laws. All software used on this site is the property of Ballantyne Brokers Ltd its suppliers, or Ballantyne Brokers Ltd or its suppliers’, licensors, and is protected by United Kingdom and international copyright laws. The respective owners and licensees of any copyrights included in the Website retain and reserve all of their rights related to such copyrights.

2. Trademark. “ Ballantyne Brokers Ltd”, are registered service marks of Ballantyne Brokers Ltd. with all rights reserved. The Website may include these and other registered or unregistered trademarks or service marks of Ballantyne Brokers Ltd its suppliers, or Ballantyne Brokers Ltd or its suppliers’, licensors. The respective owners and licensees of any marks included in the Website retain and reserve all of their rights related to such marks.

3. Patent. One or more patents may apply to the Ballantyne Brokers Ltd Website and to the features and services accessible therein, including U.S. and foreign patents.

4. Trade Secret. Ballantyne Brokers Ltd Website may contain software or other information that is confidential and proprietary to Ballantyne Brokers Ltd and/or protected by the trade secret laws of the United Kingdom and of foreign countries. As part of Ballantyne Brokers Ltd efforts to maintain the secrecy of such information, You are prohibited from decompiling, reverse engineering and/or disassembling any portion or the whole of the Ballantyne Brokers Ltd Website.

C. To the extent that You receive software from Ballantyne Brokers Ltd from Your use of the Ballantyne Brokers Ltd Website, such software is deemed part of the Ballantyne Brokers Ltd Website.

D. Ballantyne Brokers Ltd grants to You a non-exclusive and non-transferable license to:

1. Use the Ballantyne Brokers Ltd as provided herein, until this Agreement is terminated;

2. Access, load, store and operate the Ballantyne Brokers Ltd Website with browser software; and

3. Display, download and print portions of the Ballantyne Brokers Ltd Website to investigate and/or purchase product(s) and/or service(s), subject to the limitations in this Agreement.

E. Notwithstanding the above, you shall NOT, without the prior written consent of Ballantyne Brokers Ltd:

1. Decompile, reverse engineer, disassemble and/or create derivative works from the Ballantyne Brokers Ltd Website;

2. Remove or obscure any proprietary notices including, but not limited to, any and all copyright, trademark and patent designations contained in the Ballantyne Brokers Ltd Website;

3. Upload, post, email, transmit, publish, re-publish, distribute, display or otherwise make available the Ballantyne Brokers Ltd Website to any third parties;

4. Use the Ballantyne Brokers Ltd Website for any commercial, financial or other beneficial purpose, including, but not limited to, advertising, the exploitation, rental, lease, sale or resale of the Ballantyne Brokers Ltd Website;

5. For a period of more than twenty-four (24) hours, cache or otherwise temporarily store the Ballantyne Brokers Ltd Website or component thereof, on any server or other device used to communicate with individual personal computers or personal devices. Such limitation does not include cache which is automatically stored by an individual personal browser application;

6. Store the accessed, used, or downloaded Ballantyne Brokers Ltd website in any electronic, magnetic, optical or other format now known or hereinafter created for more than thirty (30) days;

7. Assign, rent, lend, lease, sell, sublicense, transfer, export from the United Kingdom, copy, reproduce, modify, adapt, translate, reverse engineer, decompile, disassemble, extract components or create derivative works of the Website; or

8. Remove, modify, hide or otherwise make unreadable or non-viewable any notice, legend, advice, watermark or other designation contained on the Website, component thereof or output therefrom.

9. (a) Co-brand the Website, (b) frame the Website, or (c) hyperlink to the Website, or authorize or engage any other party to do any of the foregoing, without the express prior written permission of an authorized representative of Ballantyne Brokers Ltd For purposes of this Agreement, “co-brand” or “co-branding” means to display a name, logo, trademark, or other means of attribution or identification of any party in such a manner as is reasonably likely to give a user the impression that such other party has the right to display, publish, or distribute this site or content accessible within this site. You agree to cooperate with Ballantyne Brokers Ltd in causing any unauthorized co-branding, framing or hyper-linking immediately to cease.

F. You shall not interrupt, or attempt to interrupt, the operation of the Website in any way.

G. The Website may include technological protection measures that effectively control access, reproduction or distribution of the proprietary or intellectual properties accessible through the Website. Any attempt to tamper or dismantle these protections is a breach of this Agreement, and may be a violation of the Digital Millennium Copyright Act of 1998, and may subject the violator to civil and criminal penalties.

H. Content in the Website that is used or referenced in any print or electronic media must be done in accordance with generally accepted standards and must provide for proper attribution to Ballantyne Brokers Ltd

I. Links to and from other websites: The Ballantyne Brokers Ltd Website may contain links to other websites, and other websites may contain links to the Ballantyne Brokers Ltd Website, such websites not being owned by, or under the direct control of, Ballantyne Brokers Ltd (“Linked Websites”). The linked websites are not under the control of Ballantyne Brokers Ltd, and Ballantyne Brokers Ltd does not endorse and is not responsible for, the functionality of the links to or from, content or applications provided by or through, or privacy policies or other agreements included in, a Linked Website. Ballantyne Brokers Ltd is not responsible for licensing to You any content or application provided by or through a Linked Website, and Your use of content or application(s) provided by or through Linked Websites is governed solely by Your agreement, if any, with the owner and/or provider of the Linked Website. You use Linked Websites, and links to and from any third party website, at Your sole risk. For example, Ballantyne Brokers Ltd is not responsible for, without limitation, any incorrect data, errors in computation, improper transmission of data, or a security breach resulting from Your use of a Linked Website or a link to or from a Linked Website. Ballantyne Brokers Ltd provides links to You only as a convenience.

J. The Website may contain testimonials from customers of Ballantyne Brokers Ltd or its agents. Testimonials are not representative of everyone’s experience and only provide information about the individual’s experiences as to the point in time when they are provided. Testimonials do not necessarily represent typical or expected results. All testimonials are authentic. Testimonials may be edited for clarity or brevity. All claims have been documented and verified for accuracy. No one has been paid to provide a testimonial on the Website. Individual results will vary.

K. You hereby grant to Ballantyne Brokers Ltd the royalty-free, perpetual, irrevocable, worldwide, non exclusive right and license to use, reproduce, modify, adapt, publish, translate, create derivative works from, distribute, perform, and display all content, remarks, suggestions, ideas, graphics, or other information communicated to Ballantyne Brokers Ltd through this site (together, the “Submission”), and to incorporate any Submission in other works in any form, media, or technology now known or later developed. In general, unless an exception is noted when a Submission is made, or unless an exception exists under applicable law, regulation, or Ballantyne Brokers Ltd privacy policy. Ballantyne Brokers Ltd will not be required to treat any Submission as confidential, and may use any Submission in its business (including without limitation, for products or advertising) without incurring any liability for royalties or any other consideration of any kind, and will not incur any liability as a result of any similarities that may appear in future Ballantyne Brokers Ltd operations.

L. Ballantyne Brokers Ltd may receive information relating to an application for an insurance policy via the Website even though Ballantyne Brokers Ltd does not have the authority to bind the insurance policy applied for or to provide coverage. You acknowledge that the submission of an application for insurance via the Website may not result in Your obtaining insurance coverage.

III. Your representations & warranties

You represent, warrant and covenant that:

A. You are of a proper age to enter into this Agreement.

B. You are entering this Agreement with a sound mind and not under duress or emotional distress.

C. Any information that You have or shall provide to Us through the Website is true and accurate, and You shall modify such information as necessary or appropriate to maintain the accuracy of the information.

D. You shall at all times comply with all applicable laws, rules and regulations with respect to Your use of the Ballantyne Brokers Ltd Website and with respect to any product or service related thereto.

E. You shall not use the Ballantyne Brokers Ltd website to infringe, misappropriate or violate any rights of Ballantyne Brokers Ltd and/or any third party, including, but not limited to any customer of Ballantyne Brokers Ltd or any entity associated with or visiting the Ballantyne Brokers Ltd Website.

F. You shall comply at all times with this Agreement, including any modifications to this Agreement and/or the Agreements to which there is or may in the future be a link and a reference herein. The issue of Modification is set forth in Section 5, below.

IV. Privacy

With respect to information collected through the Website, Ballantyne Brokers Ltd shall adhere to the Privacy policy.

V. Modifications

A. To the Agreement. We have the right to modify this Agreement and any other Agreement or policy referenced in the Website or linked to in the Website. No notice is required for any such modification. Any modification is effective immediately upon posting to the Website. Your continued use of the Website following the posting of any modification(s) to this Agreement shall be conclusively deemed an acceptance of all such modification(s). Your only remedy with respect to any dissatisfaction with any modifications is to cease use of the Website.

B. To the Ballantyne Brokers Ltd Website. We have the right to modify, suspend or discontinue the Website or any portion thereof at any time, including the availability of any area of the Website. We may also impose limits on certain features and services or restrict Your access to parts or all of the Ballantyne Brokers Ltd Website without notice or liability.

VI. Disclaimer of warranties

We make no warranties of any kind, either express or implied, including, but not limited to, warranties of title or implied warranties of merchantability or fitness for a particular purpose, title, compatibility, security, accuracy or non-infringement. Without limitation, we do not warrant that (a) the functions contained in the Ballantyne Brokers Ltd website shall be uninterrupted, timely, secure or error-free; (b) the Ballantyne Brokers Ltd website, including the servers on which the website is operated, are free of viruses or other harmful components; (c) your information, including your medical information, will not be disclosed or (d) information provided in the website is complete, accurate, error-free, or up-to-date.

VII. Term & termination

A. This Agreement shall continue until terminated by Us or until You notify Us in writing, either via mail, email or fax, of Your decision to terminate this Agreement.

B. Termination shall take effect within thirty (30) days of receipt of your request and we shall send you written confirmation thereof. A written confirmation shall be required from us as proof that a notice of termination was in fact received from You. Moreover, upon termination of this Agreement, You are still bound by the Provisions of Sections 2-4, 6-8 and 15.

E. If We terminate this Agreement, We reserve the right to refuse to provide any Insurance Product or Insurance Service to You in the future.