These Terms of Use govern your use of this website.
By using this website, you agree to these Terms of Use. If you do not agree to these Terms of Use, you must not use this website.
These Terms of Use apply only to your use of this website. They do not govern the supply of any paid services by Principal Risk Management. Any services we provide to clients will be governed by separate engagement terms, proposal documents, contracts or other written agreements.
Who we are
This website is operated by Principal Compliance Ltd, trading as Principal Risk Management.
Principal Compliance Ltd is registered in England and Wales under company number 12752368. Our registered office is The Carriage House, Mill Street, Maidstone, Kent, England, ME15 6YE.
In these Terms of Use, “Principal Risk Management”, “we”, “us” and “our” mean Principal Compliance Ltd trading as Principal Risk Management.
Other policies that apply
Our Privacy Policy explains how we collect and use personal information.
Our Cookie Policy, cookie notice or cookie preference tool explains how we use cookies and similar technologies on this website.
You are not treated as having consented to non-essential cookies merely because you use this website. Where consent is required for cookies or similar technologies, we will ask for your consent separately.
Licence to use this website
Unless otherwise stated, we own or license the intellectual property rights in this website and its content. These rights are reserved.
You may view pages from this website in a web browser. You may also download pages for temporary caching by your browser and print or save reasonable extracts for your own internal business or personal reference.
You must not use this website or its content except as permitted by these Terms of Use or with our prior written consent.
Restrictions on use
You must not:
- republish material from this website on another website or platform without our prior written consent;
- sell, rent, license, sub-license or commercially exploit material from this website;
- reproduce, duplicate, copy or otherwise exploit material from this website for a commercial purpose without our prior written consent;
- edit, modify or create derivative works from material on this website without our prior written consent;
- remove copyright notices, trade marks or other proprietary notices from website content;
- use our name, logo, branding or trading style in a way that suggests endorsement, partnership or association without our prior written consent;
- redistribute content from this website, except where content is expressly made available for sharing or redistribution.
Acceptable use
You must use this website lawfully and responsibly.
You must not use this website in any way that causes, or may cause, damage to the website, impairment of website availability, interference with website security, or disruption to other users.
You must not use this website for any unlawful, illegal, fraudulent, misleading, malicious or harmful purpose.
You must not use this website to copy, store, host, transmit, send, publish, upload or distribute any material that contains or links to spyware, viruses, Trojan horses, worms, keystroke loggers, rootkits, ransomware, logic bombs or other malicious or harmful software.
You must not attempt to gain unauthorised access to this website, the server on which this website is hosted, or any server, computer, database, system or network connected to this website.
You must not attack this website through a denial-of-service attack, distributed denial-of-service attack, credential-stuffing attack, brute-force attack or similar activity.
Automated access and scraping
You must not conduct systematic or automated data collection activities on or in relation to this website without our prior written consent.
This includes scraping, crawling, data mining, data extraction, data harvesting, automated querying, use of bots, use of spiders, use of scripts, or similar automated activity.
This restriction does not prevent ordinary indexing by legitimate search engines, provided that such indexing is carried out in accordance with applicable robots.txt instructions and does not impair the availability, performance or security of the website.
Restricted areas and account details
We may restrict access to parts of this website, or to the whole website, at our discretion.
If we provide you with a user ID, password or other access credential, you must keep it confidential and secure. You must not share access credentials with anyone else unless we have expressly permitted this in writing.
You are responsible for activity carried out using your access credentials unless the activity resulted from our failure to take reasonable security measures.
We may disable any user ID, password or access credential at any time if we reasonably believe that there has been a breach of these Terms of Use, a security risk, misuse of the website, or unauthorised access.
Information on this website
The content on this website is provided for general information only.
Although we aim to keep website content accurate and up to date, we do not guarantee that the content is complete, accurate, current, suitable for your purposes, or free from errors or omissions.
Nothing on this website constitutes legal, regulatory, compliance, financial, risk-management or other professional advice. You should not rely on website content as a substitute for advice tailored to your specific circumstances.
No client, adviser, consultant or professional relationship is created merely by your use of this website or by your submission of an enquiry through this website.
Website availability
We may update, suspend, withdraw, restrict or change all or part of this website at any time.
We do not guarantee that this website, or any content on it, will always be available, uninterrupted, secure or free from errors.
We are not responsible for any loss or damage caused by the unavailability of this website, website interruptions, technical faults, maintenance, security incidents, or events outside our reasonable control.
Third-party links
This website may include links to third-party websites, resources or services. These links are provided for information and convenience only.
We do not control third-party websites and are not responsible for their content, availability, accuracy, security, privacy practices, cookie practices or terms of use.
The inclusion of a link does not mean that we endorse the linked website, its owner, its content, or any goods or services offered through it.
You should review the privacy notices, cookie notices and terms of use that apply to any third-party website you visit.
User submissions
If you submit information, comments, documents, enquiries, feedback or other material to us through this website, you are responsible for ensuring that the material is accurate, lawful and appropriate.
You must not submit material that:
- is unlawful, fraudulent, misleading, defamatory, threatening, abusive, harassing, obscene, discriminatory or otherwise objectionable;
- infringes any intellectual property right, confidentiality obligation, privacy right, data protection right or other legal right of any person;
- contains malicious software or harmful code;
- contains information that you are not authorised to share;
- is the subject of any actual or threatened legal claim, dispute or complaint, unless you have clearly explained the relevant circumstances to us.
You retain any rights you own in material you submit to us. However, you grant us a non-exclusive, royalty-free licence to use, copy, store, review and process that material to operate this website, respond to your enquiry, manage our relationship with you, provide services where applicable, keep appropriate records, and protect our legal rights.
We may remove, delete or refuse to process any material submitted through this website where we reasonably believe that it breaches these Terms of Use, creates a legal or security risk, or is otherwise inappropriate.
Your responsibility for information you provide
You are responsible for ensuring that any information you provide to us through this website is accurate, complete and not misleading.
You must not impersonate another person, misrepresent your identity or authority, or submit information on behalf of another person or organisation unless you are authorised to do so.
If you provide personal information about another person, you are responsible for ensuring that you have a lawful basis to provide it to us and, where required, that the person has been given appropriate privacy information.
Intellectual property rights
The trade marks, service marks, logos, business names, domain names, designs, text, graphics, layout, documents, downloads and other content displayed on this website may be owned by us or licensed to us.
Nothing in these Terms of Use transfers any intellectual property rights to you.
You must not use our trade marks, logo, business name, trading style or website content in a way that may cause confusion, damage our reputation, imply endorsement, or breach applicable law.
No warranties
This website is provided on an “as is” and “as available” basis.
To the fullest extent permitted by law, we exclude all representations, warranties, conditions and other terms that may otherwise be implied in relation to this website or its content.
We do not warrant that:
- this website will be constantly available or available at all;
- this website will be free from errors, defects, viruses or other harmful material;
- defects will be corrected within any particular period;
- the information on this website will be complete, accurate, current or non-misleading;
- this website or its content will meet your particular requirements.
You are responsible for configuring your own technology, software and security arrangements to access this website safely.
Liability
Nothing in these Terms of Use excludes or limits any liability that cannot lawfully be excluded or limited.
In particular, nothing in these Terms of Use excludes or limits our liability for death or personal injury caused by negligence, fraud, fraudulent misrepresentation, or any other liability that cannot be excluded or limited under applicable law.
Subject to the above, and to the fullest extent permitted by law, we will not be liable for any loss or damage arising from or in connection with:
- your use of, or inability to use, this website;
- your reliance on any content available on this website;
- any error, omission, inaccuracy or outdated information on this website;
- any interruption, suspension, restriction or withdrawal of this website;
- any unauthorised access to or alteration of this website;
- any virus, malware, distributed denial-of-service attack or other technologically harmful material affecting this website;
- any third-party website, content, service or resource linked from this website.
If you use this website for business purposes, we will not be liable for loss of profit, loss of revenue, loss of business, loss of contracts, loss of anticipated savings, loss of goodwill, loss of reputation, loss of data, business interruption, or any indirect or consequential loss.
Indemnity
You agree to indemnify us against losses, liabilities, damages, costs and expenses reasonably incurred by us arising out of your misuse of this website, your breach of these Terms of Use, your unlawful submission of material through this website, or your infringement of any third-party rights.
This indemnity does not apply to the extent that the relevant loss, liability, damage, cost or expense is caused by our own negligence, breach of law or breach of these Terms of Use.
Breach of these Terms of Use
If you breach these Terms of Use, we may take appropriate action.
This may include temporarily or permanently suspending your access to the website, restricting access from your IP address or network, removing material submitted by you, contacting your internet service provider, issuing a warning, taking legal action, or reporting unlawful activity to appropriate authorities.
We may take these steps without notice where we reasonably consider this necessary to protect the website, our business, other users, third parties, or our legal rights.
Changes to these Terms of Use
We may revise these Terms of Use from time to time.
The revised Terms of Use will apply from the date they are published on this website, unless a later date is stated.
You should check this page periodically to ensure that you understand the terms that apply when you use this website.
Severability
If any provision of these Terms of Use is found by a court or other competent authority to be unlawful, invalid or unenforceable, that provision will be deleted or limited to the minimum extent necessary.
The remaining provisions will continue in full force and effect.
No waiver
If we do not immediately enforce any provision of these Terms of Use, or if we delay enforcing it, that does not mean that we have waived our right to enforce it later.
Any waiver must be given by us in writing.
Rights of third parties
These Terms of Use are between you and us.
No person other than you and us has any right to enforce these Terms of Use, except that our officers, employees, contractors, agents, successors and assigns may rely on the protections and limitations set out in these Terms of Use where relevant.
Governing law and jurisdiction
These Terms of Use, their subject matter, and any dispute or claim arising out of or in connection with them or your use of this website are governed by the laws of England and Wales.
Subject to any mandatory legal rights that cannot be excluded or restricted, the courts of England and Wales will have exclusive jurisdiction over any dispute or claim arising out of or in connection with these Terms of Use or your use of this website.
Contact
If you have any questions about these Terms of Use, please contact us using the contact details published on this website.