Terms of Use

These terms govern your use of the website operated by ET Actuarial Limited at this domain (the "Site"). By accessing or using the Site you agree to these terms in full. If you do not accept them, please do not use the Site.

1. About us

The Site is operated by ET Actuarial Limited, a private company limited by shares incorporated in England & Wales under company number 14329121. Our registered office is Low Barn, Llancayo Business Park, Usk, Monmouthshire, NP15 1HY, United Kingdom. You can contact us at enquiries@etactuarial.co.uk.

2. Nature of information on the Site

The Site is intended to provide general information about ET Actuarial Limited and our services. Nothing on this Site constitutes actuarial, financial, legal, tax or investment advice. Specific advice can only be provided under a written engagement letter and the professional standards described in that letter.

3. No client relationship

Using the Site, contacting us through the contact form, or sending an unsolicited message does not create a client relationship between you and ET Actuarial Limited. A client relationship is formed only once an engagement letter has been signed by both parties.

4. Acceptable use

You agree not to:

• Use the Site in any unlawful manner or for any unlawful purpose;
• Attempt to gain unauthorised access to any part of the Site, the server on which it is stored, or any connected server, computer or database;
• Introduce viruses, trojans, worms or other malicious material;
• Use automated means (including scraping, crawling or mass-extraction tools) to harvest data from the Site without our prior written consent;
• Reproduce, distribute, modify or create derivative works from the Site's content other than for personal, non-commercial review.

5. Intellectual property

All content on the Site, including text, graphics, logos, page layouts and underlying code, is owned by ET Actuarial Limited or used under licence and is protected by intellectual property laws. You are granted a limited, non-exclusive licence to view and download content for personal, non-commercial use only.

6. Third-party links

The Site may contain links to third-party websites. We do not control and are not responsible for the content, accuracy or privacy practices of those websites. A link from the Site does not constitute endorsement.

7. Limitation of liability

The Site is provided on an "as is" and "as available" basis. To the maximum extent permitted by law, ET Actuarial Limited excludes all warranties, conditions and representations relating to the Site, whether express or implied.

We will not be liable for any loss or damage arising from your use of, or inability to use, the Site, save where such liability cannot lawfully be excluded (for example, liability for death or personal injury caused by our negligence, or fraud or fraudulent misrepresentation).

8. Engagements

Where ET Actuarial Limited is engaged to perform actuarial services, the terms of that specific engagement letter (and any incorporated schedules) shall govern the relationship in full, and shall prevail over these website terms in the event of any conflict.

9. Changes to these terms

We may revise these terms at any time by updating this page. You are responsible for reviewing the terms periodically. Continued use of the Site after a change constitutes acceptance of the revised terms.

10. Governing law and jurisdiction

These terms, their subject matter and formation are governed by the laws of England & Wales. The courts of England & Wales have exclusive jurisdiction to settle any dispute arising out of or in connection with these terms.

11. Contact

Questions about these terms should be directed to enquiries@etactuarial.co.uk.