Terms & Conditions

Visiting our website.

1. Website Terms of Use

1.1 – The terms and conditions (the “Terms”) set out below will govern your use of this website (the “Site”). The Site is owned and operated by Yutree Insurance Ltd whose registered office is at 15 Kings Court, Newmarket, Suffolk CB8 7SG. Company registration number 7718776 (“Yutree”, “Us”, “We” or “Our”). The Site and the Information (as described below) are designed to be compliant with applicable UK laws, rules and regulations. Although users outside of the UK may have access to the Site, the information contained on the Site is intended only for use by residents of the UK. Yutree specifically reserves all rights to limit provision of its products and services to select persons, countries or geographic regions.

1.2 – Please read these Terms carefully. By continuing to access and use the Site you are deemed to have understood and agreed to them. If you do not agree to them you must refrain from using this Site and any services available through it.

2. Disclaimer

2.1 – This Site contains information, text, data, graphics, photographs, illustrations, artwork, names, logos, trade marks and information about Yutree and on the products and services it provides (the “Information”).

2.2 – The Site, Information and Content (as described below) is provided “as is” and on an “as available” basis only and Yutree does not guarantee the accuracy, timeliness, completeness, performance or fitness for a particular purpose of the Site or any of the Content or Information. Yutree has tried to ensure that all the Information provided on the Site is correct at the time of publication. However no responsibility is accepted by or on behalf of Yutree for any errors, omissions, or inaccurate Information or Content on the Site. Further, Yutree does not warrant that the Site will be uninterrupted or error free or that any defects will be corrected.

2.3 – Yutree accepts no liability for the results of any action taken on the basis of the Information or Content and all implied warranties, including but not limited to the implied warranties of satisfactory quality, fitness for a particular purpose, non-infringement, compatibility, security and accuracy are excluded from these Terms to the extent that they may be excluded as a matter of law. We do not attempt to exclude any rights you may otherwise have as a consumer that We cannot exclude as a matter of law.

2.4 – You accept that after you leave this Site (whether knowingly or not) Yutree can no longer be responsible in any way for any material that you encounter and We exclude to the fullest extent permitted by law all liability that may arise with respect to or as a result of such material causing any damage, costs, injury or financial loss of any kind.

2.5 – You indemnify and hold Yutree and any of its officers, employees or agents harmless from and against all and any expenses, losses, liabilities, damages, costs or expenses incurred or suffered and any claims or legal proceedings which are brought or threatened, in each case arising from your use of, or conduct on, the Site and/or any breach of these Terms.

3. Registration

3.1 – To use any services we provide through the Site, you must register your details with Us (including your name and e-mail address) to become a registered user (“User”) and you agree to Our processing your personal details in accordance with our Privacy & Cookies Policy. If you do not agree to Our Privacy & Cookies Policy you should not become a User of this service.

3.2 – You are solely responsible for all use of and for protecting the confidentiality of your email verification and password. You must not share this information with any third parties. You must notify Us immediately of any unauthorised use of them or any other breach of security regarding Our Site that comes to your attention. Additionally, you indemnify Us against any unauthorised use of your User details, including use by a third party where you have allowed or facilitated access.

3.3 – You undertake to register as a User using accurate, complete and current information and to maintain and update any changes to that information.

3.4 – You acknowledge that permission to become a User is granted at the sole discretion of Yutree and such permission may be withdrawn at any time without notice.

4. Linking

4.1 – Websites or web pages to which this Site is linked are for information purposes and have not been reviewed by Yutree. To the extent that such websites or web pages do not contain information about Yutree and its and services, we accept no responsibility for the content of such sites or web pages, nor do we accept responsibility for any losses or penalties incurred as a result of your use of any links or reliance on the content of any website to which this Site is linked.

4.2 – When you access a website, through a link from the Site, you accept that it is independent from the Site and that Yutree has no control over the content of the linked third party website. Accordingly a link to a website does not mean that Yutree endorses or accepts any duty or responsibility for the content, accuracy or the use of the contents of such website. Although Yutree strives to link to third party websites which comply with applicable laws, rules and regulations, the content on these websites may change without notice to Yutree. You should take precautions to insure protection of your privacy as well as to insure against Destructive Features (as described below).

4.3 – You may not frame, link or deep-link this Site except for the home page to any other website without our prior written consent. Should you wish to frame or to set up a link / deep-link to our Site please contact insurance@yutree.com.

5. Computer Viruses, Worms and Trojan Horses

5.1 – Whilst We use reasonable endeavours to protect this Site (including Information and downloads) from computer viruses, worms, Trojan Horses and other such destructive features (the “Destructive Features”), We do not warrant that the Site is free from such Destructive Features and accept no liability for any damage that may result from the transmission of any Destructive Feature via this Site or via any files which are available for you to download from the Site. You are responsible for implementing sufficient procedures and virus checks (including anti-virus and other security checks) to satisfy your particular requirements for the accuracy of data input and output.

5.2 – You are responsible for ensuring that your computer system meets all relevant technical specifications necessary to use the Site or any service made available through it and that it is compatible with the Site. We make no warranty that the Information is compatible with all computer systems and browsers.

6. Intellectual Property Rights and Reproduction

6.1 – Except as is otherwise indicated on the Site, Yutree and/or its licensors own the copyright in all the Information featured on this Site and all related intellectual property rights, including but not limited to all database rights, unregistered and registered trade marks, service marks and logos. You should not infer any affiliation, sponsorship or endorsement from the use of third party marks on the Site, as such marks are used solely to designate certain products or services as belonging to their owners. Nothing in this Site is intended to grant, by implication or otherwise, any licence or right under any patent, trademark or other intellectual property owned by Yutree or any licensor or third party.

6.2 – You are permitted to download, print, store temporarily, retrieve and display Information from the Site on a computer screen, print individual pages on paper (but not photocopy them) and store such pages in electronic form on disk (but not on any server or other storage device connected to the network) for your personal use or for internal use within your organisation.

6.3 – You are not permitted (except where we have given you express permission to do so or you are otherwise permitted to do so by law) to adapt, modify, copy, reproduce, distribute, republish, disassemble, decompile, reverse engineer, create derivative works from, download, post, broadcast, transmit or re-transmit in any other way any of the Information on the Site.

7. Your Further Use of This Site

You further agree not to use any Information on the Site except to the extent necessary to enable you to use the Site and the services provided through it. You shall not use the Site for any immoral or illegal purpose. In particular you agree that you will not:

  • upload any files that contain any Destructive Features; or
  • in any way damage, disable or impair the operation of the Site, or attempt to gain

unauthorised access to the Site or to network connected to it, by hacking, spoofing or other such similar means.

8. Data Protection and the Yutree Privacy Policy

We may require basic information which identifies you as an individual, such as your name and email address, in order to enable you to take advantage of our services. We will only use such personal information for the purposes of providing information or services which you have requested or for other related purposes as set out in our Privacy & Cookies Policy, which forms part of these Terms.

9. Complaints or Queries

In the event that you have any complaints or queries concerning our services, or about this Site generally, please contact us by email at insurance@yutree.com or by writing to our registered office.

10. Changes to the Terms

Yutree reserves the right, at its discretion, to make changes to any part of this Site, the Information or these Terms. Should these Terms be amended, we will publish details of the amendments on the Site. It is your responsibility to refer to and comply with these Terms on accessing this Site. Failure to comply may lead to action being taken against you. By continuing to use the Site after we have published the notification you agree 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. Events beyond our control

Yutree will not be responsible for any breach of these Terms caused by circumstances beyond its reasonable control, including without limitation acts of god, war, terrorism or technical difficulties.

13. File Download

Certain files of Information may be available for download from the Site. These files of Information are subject to these Terms.

14. Entire Agreement

Except for in the case of fraud, these Terms constitute the entire agreement between you and Yutree in relation to the subject matter.

15. Governing law

These Terms are subject to English law and to the exclusive jurisdiction of the English courts.


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