Terms & Conditions

These Terms of Use govern your access to and use of www.jltgroup.com, www.jlt.com, www.jltspecialty.com, www.jltemployeebenefits.com and www.usa.jlt.com ("Websites"). Please read these terms carefully. By using this Website, you confirm that you accept these Terms of Use and you agree to comply with them. If you do not agree with these terms, please cease use of this Website immediately.

Information about us

This Website is operated by Jardine Lloyd Thompson Group plc (Company No. 01679424) registered office at The St Botolph Building, 138 Houndsditch, London EC3A 7AW.

Use of this Website

This Website contains information in respect of Jardine Lloyd Thompson Group Plc and its Affiliates. It is not intended to govern any contractual transaction between you and us or our Affiliates. The purchase of any services or insurance products shall be subject to the specific terms and conditions and the relevant policy terms and conditions between you and our Affiliates.

Changes to these terms and the Website

We may revise or update these Terms of Use at any time. We recommend that you check this webpage from time to time in order that you are aware of any changes to these Terms of Use.

We may update the Website from time to time, and may change the content at any time. However, please note that any of the content on the Website may be out of date at any given time, and we are under no obligation to update it.

We do not guarantee that the Website or any content on it shall be free from errors or omissions.

No reliance on information

The information contained in this Website is for general information purposes only. It is not intended to amount to advice of any kind (whether financial, investment, legal or otherwise) on which you should or may rely. In particular, information on this Website should not be relied upon for making any decision or to make or refrain from any actions without seeking independent professional or specialist advice.

Although we make reasonable efforts to update the information on the Website, we make no representations, warranties or guarantees, whether express or implied that the content on the Website is accurate, adequate, complete, correct, up-to-date or fit for any specific purpose.

The Website may contain links to other sites and resources provided by third parties. We assume no responsibility for such links and for the content of such third-party websites. Further, the provision of such linked websites shall not be construed as endorsement by us of such linked websites or the content on its. We shall not be liable for any loss or damage that may arise from your use of these third-party websites or content.

All information provided in the section entitled "Investors Centre" on the Website includes information on past performances, estimates and forecasts in respect of the operations, performance and financial conditions of Jardine Lloyd Thompson Group Plc and our Affiliates. By their nature, these statements are subject to risks, assumptions and uncertainties and should not be relied on to make any investment decisions. Further, any information relating to the past performance of Jardine Lloyd Thompson Group Plc and our Affiliates does not necessarily guarantee future performance and therefore should not be relied upon for any reason whatsoever. The price of shares and the income derived from them may go up or down and investors may not recoup the amount originally invested. Please also note that we do not undertake to publicly update any forward looking statements whether as a result of new information, future developments or otherwise unless required by the applicable laws.

Availability

We do not represent, warrant or guarantee that the Website or any content on it shall be uninterrupted or error free at all times, that defect (if any) shall be corrected, or that the Website or the server which it is access are free from viruses, worms, Trojan horses or other harmful components.

Further, we do not guarantee that the Website or any content on it will always be available or provided to you on an uninterrupted basis. We may suspend, withdraw, discontinue or change all or any part of the Website without notice. We will not be liable to you if for any reason the Website is unavailable at any time or for any period.

Intellectual property rights

The intellectual property rights in the Website and the material published on it are owned by us and/or our licensors. These works are protected by copyright laws and treaties around the world. All such rights are reserved.

You may print off one copy or download extract of any page(s) from the Website for your personal use and you may draw the attention of others within your organization to the content published on the Website.

You must not modify the paper or digital copies of any materials you have printed off or downloaded in any way, and you must not use any illustrations, photographs, video or audio sequences or any graphics separately from any accompanying text.

You must not use any part of the content on the Website for commercial purposes without obtaining a license to do so from us or our licensors.

Limitation of our liability

Nothing in these Terms of Use excludes or limits our liability for death or personal injury arising from our negligence, or our fraud or fraudulent misrepresentation, or any other liability that cannot be excluded or limited by U.S. law.

To the extent permitted by law, we exclude all conditions, warranties, representations or other terms which may apply to the Website or any content on it, whether express or implied.

We shall not be liable to you for any loss or damage, whether in contract, tort (including negligence), breach of statutory duty or otherwise even if foreseeable, arising under or in connection with any of the following:

  • use of or inability to use or access the Website or any information contained on the Website;
  • loss of profits, loss of contracts, loss of sales, loss of business, loss of revenue (whether such losses are direct or indirect);
  • business interruption;
  • loss of anticipated savings;
  • loss of business opportunity, investment decisions made, goodwill or reputation; or
  • any indirect or consequential loss or damage.

We shall not be liable to you if and to the extent that any losses, damages, cost or expenses suffered by you are due to the provision of false, inaccurate, misleading, out-of-date or incomplete information or documentation by you or any third party or due to the acts or omissions of any person other than us or any of our partners, agents or employees.

We shall not be liable for any loss or damage caused by a virus, distributed denial-of-service attack, or other technologically harmful material that may infect your computer equipment, computer programs, data or other proprietary material due to your use of the Website or to your downloading of any content on it, or on any website linked to it.

Governing Law

These Terms of Use shall be governed by and construed in accordance with the laws of the United States of America, and the parties hereby submit to the exclusive jurisdiction of the Courts of the United States. 

For the purposes of these terms and conditions, the following definitions shall apply:

  • "JLT" or "We" means Jardine Lloyd Thompson Group plc and its Affiliates.

"Affiliate" means in relation to an entity, any other entity that is, directly or indirectly, controlling, controlled by or under common control with such an entity; where "control" means the possession, direct or indirect, of the power to direct or cause the direction of management and policies of an entity, whether through direct or indirect ownership of voting securities, by contract or otherwise.

Forward-Looking Statements

The website contains forward-looking statements with respect to the operations, performance and financial condition of Jardine Lloyd Thompson Group plc. By their nature, these statements are subject to risks, assumptions and uncertainties that could cause actual results to differ materially from those expressed or implied because they relate to future events.

Unless otherwise required by applicable law, regulation or accounting standard, we do not undertake to publicly update any forward-looking statements, whether as a result of new information, future developments or otherwise. Nothing in this presentation should be construed as a profit forecast.

August 2015