Website Terms & Conditions

Your use of this website is subject to the following terms and conditions.  By using this website, you show your acceptance of these terms.

This website is owned and operated by Litmus Analysis Ltd (“we or our”), whose registered office is Suite 47, The Wenta Business Centre, 1 Electric Avenue, Innova Park, Enfield, EN3 7XU.

Please note that different terms and conditions apply for each of the products or services we supply through this website. We recommend that you print out and retain a copy of these terms and conditions and of any terms and conditions relating to any products or services we supply through this website.

  1. Terms and Conditions of the products or services we supply through this website

If you apply for any products or services from this website, the terms and conditions relating to the products or services will apply, rather than these Website Terms and Conditions.

The contents of this paragraph do not constitute an offer by us to sell products or services to you.  Your request to purchase a product or service represents an offer by you that we may accept or reject.  After you ask through this website to purchase the product or services, then assuming such product or services are available and your offer is accepted, you will receive confirmation of your purchase.

We reserve the right at any time, and without prior notice, to cease to supply any of the products or services referred to in this website and will not be liable to you in any way if we cease such supply.

  1. Copyright and other Intellectual Property rights

The images and information contained in this website are copyright works and our exclusive property.  Elements of this website may also be protected by trade mark, unfair competition, passing off and other intellectual property rights.  Except for making a hard copy print for personal use only, or downloading the material for personal use only, the material on this website may not be copied, reproduced, transmitted, distributed or displayed by any means, without our express written consent. This prohibition includes not using the material to set up a competing business or to avoid payment for Litmus Content. Nothing in this website shall confer on any person any licence or right to use any such image, logo, name or trademark.

  1. Changes to these Website Terms and Conditions

The material contained in this website is provided for general information purposes only.  Although we strive to ensure that the information contained is accurate and complete at the date of publication, no representation or warranties are made (whether express or implied) as to the reliability, accuracy or completeness of such information.

  1. Protection and security of your data and the Data Protection Act 1998

All information you provide will be treated securely and in accordance with the Data Protection Act 1998.

  1. Disclaimers, limitation and exclusion of liability

While we have taken care in the preparation of this website, the website and any information contained in it relating to its products or services are provided on an “as is” basis, without any representation or endorsement being made and without any warranty of any kind, including but not limited to, any implied warranties of satisfactory quality, fitness for a particular person, non-infringement, compatibility, security and accuracy.

In no event shall we be liable for any loss, damages or costs arising out of your use of this website or any action taken in reliance on information appearing on it. Nor shall we be liable for any loss, damages or costs arising out of any defamatory posting.

We do not warrant that this website is free from infection by viruses or other matter that may contaminate or destroy your computer system.  We do not warrant that the materials accessible from this website will be uninterrupted or error free or that this website, or the server that makes it available, are virus or bug free.

  1. Links to other websites

Certain links may lead you to websites that are not under our control.  When you activate any of these links, you will leave this website and we have no control over, and will accept no liability for, the material on any other website.

  1. Waiver    

If you breach these website terms and conditions of use, and we do not take immediate action against you, we are still entitled to enforce our rights and remedies for any such breach or subsequent breach.

  1. Jurisdiction and law    

Unless otherwise specified, the products and services described in this website are available to residents throughout the world. The information contained in this website may not satisfy the laws of other countries and those who choose to access this website from other countries are responsible for compliance with local laws if they apply.

These Website Terms and Conditions and any terms and conditions relating to products or services described in this website are governed by the laws of England. Disputes arising in relation to them shall be subject to the exclusive jurisdiction of the courts of England.

Litmus Analysis

LITMUS ANALYSIS is a team of analysts offering a broad range of products and services designed to create increased transparency, clarity and knowledge in the insurance and reinsurance markets.

We bring the skills and experience of a team of top analysts to the insurance world.

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