1. Website Details
   This site www.QBERugby.com (referred to as the "Site") is provided and owned by QBE International Holding (UK) PLC also known as QBE European Operations, a division of the QBE Insurance Group. ("QBE", "we", "us" or "our").
   Wherever the expressions "QBE", "we", "us" or "our" appear within the pages of this Site, they refer as applicable, to one or more entities forming part of QBE European Operations, a division of the QBE Insurance Group (as further detailed in the Regulatory Statement available on this Site).
2. Our Details
   We are registered in England and Wales with the company number: 2641728 and the address: Plantation Place, 30 Fenchurch Street, London, EC3M 3BD, United Kingdom. Certain companies within QBE European Operations are authorised and regulated by the Financial Services Authority in the United Kingdom and our registered number is 202842. The Financial Services Authority's Register can be accessed via www.fsa.gov.uk/register. For further information on our regulatory status please see www.qbeeurope.com/legal/regulatory.asp. Our VAT number is 524723652.
   Companies within QBE European Operations are members of various industry organisations including the Association of British Insurers, the International Underwriting Association and the Lloyd's Market Association. A full list of these organisations can be obtained by contacting us using the details in the 'Contacting Us' section below.
3. Users
   This Site is for use only by those persons who access it from within Europe (“you” or “your”). If this does not apply to you, please withdraw from using this Site.
4. These Terms
   These are the terms and conditions which apply to your use of this Site (the “Terms”) and are for the protection of both us and you. Please take the time to read these Terms carefully and if you have any questions or issues, please contact us using the details in the ‘Contacting Us’ section below.
   By accessing any part of this Site, you agree to be bound by these Terms.
5. Information Only
   This Site is provided for information purposes only. It is not intended to be used or considered as an offer to provide services or products, nor is it intended to constitute any financial or professional advice tailored to your circumstances or a recommendation with respect to such services or products. The information on this Site is not intended for distribution to, or use by, any person or entity in any jurisdiction in any country where such distribution or use would be contrary to law or regulation or which would subject us to any registration requirement within such jurisdiction or country.
   Where any information on this Site constitutes a financial promotion it is issued and approved for distribution and use in the UK only.
   Should you wish to be provided with full details of all our products and policies (e.g. aspects of cover and exclusions or limitations that may apply), these are available on request. Please contact us using the details in the ‘Contacting Us’ section below.
6. Ownership and Use of Content on this Site
   All content on this Site, including, text, data, charts, tables, software, video, music, sound, graphics, photographs, illustrations, artwork and other materials, and all rights in such content belong to us or our licensors (the “Content”).
   You may retrieve and display the Content from this Site on a computer screen, print individual pages on paper and store such pages in electronic form on disk for the purpose only of informing you and your organisation of the products and services offered by us. Content may not be commercially exploited or copied, reproduced, republished, downloaded, posted, broadcast or transmitted in any other way. If you would like to use the Content for another purpose, please contact us using the details in the ‘Contacting Us’ section below.
   Certain files of Content are available for download from this Site. Your use of these files are subject to these Terms.
7. Disclaimers
   Although all reasonable steps are taken to ensure that the Content of this Site is current and accurate at the time of publication and that the server that makes this Site available is virus and bug free, this Site and its Content are provided strictly on an “AS IS” and “IF AVAILABLE” basis.
   Accordingly, to the extent permitted by law, we expressly disclaim and exclude all warranties, conditions, representations and terms, whether express or implied by statute, common law or otherwise, with respect to this Site and its Content, including as to the accuracy or completeness of this Site and its Content, as to its suitability and general availability, or whether it is free from error or viruses.
   We have the right to suspend access to this Site at any time temporarily or permanently and without notice.
   To the extent permitted by law, we shall not be liable to any person or organisation for any direct, indirect, special, incidental or consequential damages, whether in contract, tort or otherwise, arising in any way from or in connection with the use of this Site and/or the Content. This includes, without limitation, liability for any act or omission in reliance on the information on this Site or any linked third party site.
8. Third Party Links
   We are not responsible for the availability or content of any third party websites or material you access through this Site.
9. Trademark
   The trade marks, service marks and logos used and displayed on this Site ("Trade Marks") are registered or unregistered trade marks of ours or our licensors. Nothing on this Site should be construed as granting, by implication or otherwise, any licence or right to use any Trade Mark without written permission from us. Our name may not be used in any way, including in advertising or publicity pertaining to distribution of content without our prior written consent.
10. Changes to the Terms
    We reserve the right, at our discretion, to make changes to any parts of this Site or these Terms. When these Terms are amended, we shall publish details of the amendments on this Site. Your continued use of this Site is taken as your agreement to be bound by these Terms as amended.
11. Severability
    If these Terms or any part of them should be determined to be illegal, invalid or otherwise unenforceable under the laws of any state or country in which these Terms are intended to be effective, then to the extent that they are so illegal, invalid or unenforceable, they shall in that state or country be treated as severed and deleted from these Terms and the remaining Terms shall survive and remain in full force and effect and continue to be binding and enforceable in that state or country.
12. Governing Law
    Access to and use of this Site is governed by [English] law. It is a condition of your access and use that in the event of a dispute, the relevant parties shall irrevocably submit to the exclusive jurisdiction of the [English] courts.
13. Contacting us
    If you have any questions or comments in respect the service provided by us, or wish to advise us of any errors in the information you have been provided, please contact us at: www.qbeeurope.com/contact
14. Privacy Policy
    These Terms and your use of the Site is also governed by the Privacy Policy located at www.qbeeurope.com/legal/privacy-policy.asp
15. Competition rules
    15.1 The current competition will run from 2-11 May 2012
    15.2 No more than one entry per household
    15.3 Competition is open to UK residents only
    15.4 All entries will be entered into a draw which will take place on at 6pm on 11 May, 2012
    15.5 QBE’s decision is final
    15.6 The prize is a signed Premiership Rugby shirt of choice
    15.7 Arrangements for fulfilment of this prize will be confirmed with the winner via the contact information provided
    15.8 The prize excludes travel and accommodation. The winner must pay all additional costs not included in prize
    15.9 By entering the competition all participants agree to receiving appropriate QBE Rugby updates
    15.10 By entering the competition, all participants will be deemed to have accepted and be bound by these terms and conditions
    15.11 Entrants must be over 18
    15.12 No cash alternative
    

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