Please read this carefully as it affects your legal rights and
sets out the terms and conditions on which we, The Chartered
Insurance Institute ("us", "we", "CII", "Chartered Insurance
Institute"), will allow you to use this web site (the "Web Site",
which for the avoidance of doubt includes any Restricted area which
is accessed by CII Members, registered users or subscribers) and
the information contained within it. The Web Site is offered to you
conditional on your agreement with these terms and conditions and
your continued use of it signifies agreement with them in their
entirety. All goods and services sold by CII, whether online
through the Web Site or offline by telephone or paper order shall
be and are subject to these terms and conditions and any reference
to purchasing goods and services on the Web Site shall refer in
equal measure to any such goods or services purchased offline.
Limitation of Liability and Disclaimers
1. We do our best to ensure that the
information in the Web Site is accurate and helpful at all times.
However, we cannot ultimately warrant the accuracy of that
information and cannot be held liable for any use or reliance you
may make of or put on it except as specifically agreed with us in
any further agreement we may make with you in writing.
2. The information provided by CII Knowledge
Services, on the CII Knowledge Services section of the Web Site, is
general in nature, and is not intended as expert advice, or as a
guide to insurance, risk or financial services for consumers or
meant to substitute for advice provided by a Financial Adviser or
other suitably qualified professional. You are advised to consult
with a Financial Adviser or other suitably qualified professional
and to check product information for full details, changes and new
information regarding any insurance or financial services product.
No claims or endorsements are made for any insurance or financial
services product in the CII Knowledge Services section and the
editor and publisher disclaim liability for the accuracy of the
information contained therein or any consequences of any use or
misuse of it to the fullest extent permitted by law. You will
indemnify CII against any and all claims, damages, losses,
liabilities and costs arising from and in connection with your use
and/or abuse of the Web Site or user's breach of these
3. Any link (be it a hypertext link or other
referral device) used on the Web Site (including any Restricted
area) is provided solely for the use and convenience of the
visitor. The link does not represent any endorsement or
recommendation by us and does not mean that we have any association
with the linked web site. We are not responsible for the content of
any web sites that have links either to or from the Web Site or for
the legal consequences of your entering into any contracts with the
third parties that have these linked web sites and we do not accept
any liability for any loss, damage, expense, costs or liability
whatsoever incurred by you as a result.
4. We will not be liable for any loss, damage,
expense, costs, delays or other liability whatsoever (including
without limitation any financial losses such as loss of profit)
which you may incur as a result of any event beyond our reasonable
control (including without limitation any failure of transmission,
communication, computer or other facilities or your inability to
access the Web Site for any reason or any failure, error or delay
in the sending or receiving of any notice or communication or
instruction through the post or any electronic medium).
5. Access to and use of the Web Site is at your
own risk and we do not warrant that the use of the Web Site or any
material downloaded from it will not cause damage to any property,
including but not limited to loss of data or computer virus
6. Nothing within these conditions operates so
as to exclude, limit or restrict our liability for death or
7. Where you deal as a consumer, nothing in the
above exclusions affects your statutory rights.
Intellectual Property Rights
8. All Intellectual Property Rights and
goodwill in or relating to the contents of the Web Site belong to
either ourselves or to our suppliers.
9. In particular, the CC asserts its ownership
of the trade marks displayed in relation to names, exams,
qualifications and exam titles (many of which are registered) and
nothing contained in these conditions or the Web Site should be
construed as granting by implication, estoppel, or otherwise, any
licence or right to use any of the trade marks without our
permission. However, copying and printing of those web pages which
contain the trade marks is permitted within the scope of the
licence contained at "Your use of the Web Site" below.
Your use of the Web Site
10. You may download to a local hard disk and
print extracts from the Web Site solely for personal use.
11. You may not reproduce part or all of the
contents of the Web Site in any form unless it is for personal
12. You may not copy or otherwise incorporate
into or store in any other web site, electronic retrieval system,
publication or other work any of the content of the Web Site in any
form (whether hard copy, electronic or other).
13. You may not frame or link to the Web Site
or any part of it without our express permission.
14. Where you have the opportunity to add or
post content to the Web Site (including any Restricted area of the
Web Site) you must only do so to send messages and material that
are proper and appropriate to it and you shall not do any of the
(a) defame, abuse, harass, stalk, threaten or otherwise violate
the legal rights (such as rights of privacy or intellectual
property rights where applicable) of others;
(b) publish, post, distribute or disseminate any material which
is obscene, indecent or unlawful;
(c) advertise or offer to sell any goods or services, or conduct
or forward surveys, contests, or chain letters
(d) upload files that contain software or other material
protected by intellectual property laws (or by rights of
confidentiality or privacy of publicity, where applicable) unless
you own or control the rights thereto or have received all
(e) upload files that contain viruses, corrupted files, or any
other similar software or programs that may damage the operation of
our or another's computer;
(f) upload files which contain an active hypertext link to
another web site;
(g) delete any author attributions, legal notices or proprietary
designations or labels in any file that is uploaded;
(h) falsify the origin or source of software or other material
contained in a file that is uploaded;
(i) download any file posted by another user of the Community
Area that you know, or reasonably should know, cannot be legally
distributed in such manner.
15. We shall be entitled at any time to delete,
remove or suspend the whole or any part of any content which Users
add or post to the Web Site without notice and without incurring
Purchasing Goods and Services
16. We offer the opportunity to purchase
certain goods and services on the Web Site, including application,
registration and payment for examinations and courses. Please
review all of the information which you intend to submit before you
make payment. By submitting this information you confirm that all
of it is accurate, true and complete.
17. If we accept your offer and agree to enter
into a contract with you, we will keep a record of the transaction
for a period of 6 years.
18. The Price means the relevant price for the
goods or services which you are offering to purchase. Prices quoted
on our website are in pounds sterling, and include VAT and where
relevant, delivery charges. Delivery charges are for standard rate
surface mail delivery only. Expedited deliveries may incur
additional charges which will be agreed in advance between you and
Payment and Title
19. When you offer to purchase any goods or
services from us on the Web Site, by clicking the 'Submit' button
you agree to these terms and conditions. By completing and
submitting the electronic order form you are making an offer to
purchase goods or services which, if accepted by us, will result in
a binding contract. We reserve the right to refuse your order and
in which case you will be notified accordingly.
20. The Price may be paid by credit or
charge/debit card. The Price will be deducted from your card if and
when we have accepted your order. If your order is not accepted by
us we will inform you.
Cancellation and Termination
21. In accordance with The Consumer Contracts
(Information, Cancellation and Additional Charges) Regulations 2013
you have a right of cancellation in respect of the goods and
services sold by the CII, which right shall (subject to the
Regulations) expire fourteen calendar days from the day on which
either the goods are received by you, or a person nominated to
receive the goods on your behalf, or your order for services is
accepted by the CII.
Should you wish to cancel, notice should be sent to Customer
Where goods have been supplied to you prior to such cancellation
they must be returned to us, in the condition in which they were
supplied to you, at your expense. Reimbursement for any monies paid
by you which relate to the cancellation will be sent to you within
fourteen days of receiving the notice of cancellation or if goods
are to be returned to us, within fourteen days of their receipt or
proof of sending.
Note: No right of cancellation or refund is
available in respect of ebooks or any other electronic download of
the goods and services once the download has started. You
acknowledge that, by commencing the download of the goods or
services, your right to cancel under 29(1) of the Regulations will
22. Any request for entry to an exam received
less than 14 days before the exam date shall be treated as express
consent for the CII to provide a service. This express consent will
also be treated as formal acknowledgement by you that your rights
to cancellation under Regulation 29(1) of the Regulations will be
lost upon receipt of your application form by the CII.
23. In the event of less than fourteen days
notice of cancellation being given in respect of an entry for an
exam sat online, and if, where applicable, the CII is unable to
recover costs suffered as a result of such short notice
cancellation, then the CII can recover these costs from you.
24. We may (at our option) suspend performance
of the services or terminate the contract at any stage if it
appears to us that you have not complied with these Terms and
25. We reserve the right to cancel, suspend or
vary the operation of our obligations to you if events occur which
are in the nature of force majeure including (but without prejudice
to the generality of the foregoing) fire, flood, storms, plant
breakdown, strikes, lock outs, riot, hostilities, non-availability
of material or suppliers or any other event outside our control;
and we shall not be held liable for any breach of contract or in
tort including delict resulting from such an event.
Warranties and Liability
26. We will perform any services with
reasonable skill and care. Except as otherwise provided in these
Conditions, and except where goods or services are sold to a person
dealing as a consumer (within the meaning of the Unfair Contract
Conditions Act 1977), all warranties, representations and
undertakings, whether express or implied, statutory or otherwise,
including but not limited to warranties of satisfactory quality,
accuracy, fitness for a particular purpose and of non-infringement
of the rights of a third party, are hereby excluded to the fullest
extent permitted by law. Where goods or services are sold to a
person dealing as a consumer, nothing in these Conditions shall
affect his or her statutory rights.
27. Our liability (if any) under these
Conditions in respect of any defect in the goods or services or of
any duty owed to you under the Conditions will be limited to the
Price paid by you or if higher the amount available under any
responding insurance policy.
28. The above limitations do not apply in the
case of death or injury to any person,.
29. We will use our best endeavours to
safeguard the privacy of our users. Our data processing practices
are explained below.
What Do We Use Personal Information For?
30. We may disclose your information in
accordance with our Data Protection and
Information To Improve Our Site
31. We collect information automatically about
your visit to our site. This information is used to help us follow
browsing preferences on our site so that we can regularly improve
use of the site, and allow you to access Restricted areas of the
Web Site without entering your personal details each time. However
store information about you and how you use the Web Site. If you do
not want cookies to be used in this way, you can set your browser
to disable them. For more details on cookies and disabling them you
may wish to visit www.aboutcookies.org.
33. We reserve the right to change the terms
and conditions under which the Web Site is offered at any time. Any
such change in terms and conditions will be effective once
reflected in the text of these terms and conditions and published
on this web page. You should check the terms and conditions
periodically to ensure that you are aware of and complying with the
34. The interpretation, construction, effect
and enforceability of this agreement shall be governed by English
Law, and you and we agree to submit to the exclusive jurisdiction
of the English courts for the determination of disputes.
Additional Terms and Conditions
35. Please note the CII exam policies are
detailed at www.cii.co.uk/policies.
These policies are additional terms and conditions and relate in
the main to entering for and sitting exams and subsequent issue of
exam results. Please note that in entering for any examination with
the CII you agree to be bound by these additional terms and