RBS Insurance Services Limited Website

REGULATORY INFORMATION AND TERMS AND CONDITIONS OF USE

Please read the following section carefully as it contains the conditions of use governing your use of the Tea-mergency website pages at www.teamergency.com (the "Site").

Additional terms and conditions apply to the products and services offered on this Site. These will be drawn to your attention when you browse, apply for and following any purchase you make of any Direct Line product or service. By using this Site you hereby agree to these conditions of use in force at that time.

If you wish to contact us regarding any matter set out in these conditions you may do so by contacting us by phone, or by writing to us.

COMPANIES OPERATING ON THE SITE

The Site is operated by RBS Insurance Services Limited. RBS Insurance Services Limited has prepared these web pages on behalf of the companies referred to below. RBS Insurance Services is not a regulated entity itself.

Please note that if you need advice on financial or investment decisions you should approach a financial adviser.

Direct Line Insurance plc ("DLI")

DLI provides and underwrites the general insurance products advertised on the Site.

DLI is a member of the Creditor Insurance Anti-Fraud Register and exchanges all claims information with other participating insurers.

DLI is authorised and regulated by the Financial Services Authority ("FSA"). It is entered in the Financial Services Authority Register with registered number 202684). The Financial Services Authority's Register can be accessed through at http://www.fsa.gov.uk/register. DLI's company registration number is 1810801.

By entering into a contract of insurance you will take on certain obligations and grant certain powers to DLI. Nothing contained in any insurance policy terms affects your statutory rights as a consumer. Direct Line Life Insurance Company Limited ("DL Life")

DL Life provides both fixed term and mortgage life cover as well as critical illness protection in connection with those products if required.

DL Life is authorised and regulated by the Financial Services Authority. It is entered in the Financial Services Authority Register with registered number 170956. The Financial Services Authority's Register can be accessed through at http://www.fsa.gov.uk/register. DL Life's company number is 2199286.
The Royal Bank of Scotland plc ("RBS") trading as 'Direct Line'

RBS provides Direct Line mortgages, personal loans and savings. RBS also arranges associated insurance products with the insurance underwriter.

RBS is authorised and regulated by the Financial Services Authority. It is entered in the Financial Services Authority Register with registered number 121882. The Financial Services Authority's Register can be accessed at http://www.fsa.gov.uk/register. RBS is a member of the British Bankers Association and the Financial Ombudsman Service. It subscribes to the Banking Code (copies of the Code are available on request). RBS is registered in Scotland (Registered Number 90312). Its registered office address is: 36 St Andrew Square, Edinburgh, EH2 2YB. Registered VAT No: GB 243852752.

AVAILABILITY OF SITE

Whilst we have taken care in the preparation of the Site, certain technical matters may be beyond our control and we cannot guarantee that you will have uninterrupted or error free access to all of the Site at all times, that defects will be remedied, or that the Site, or the server that makes the Site available, are virus or bug free. Access may be suspended occasionally or restricted to allow for repair or maintenance or for the introduction of new services.

USE OF PERSONAL INFORMATION

Through your use of the Site you agree that personal information that is provided will be dealt with in accordance with our privacy policy.

TRADEMARKS

Images, logos, names and trademarks on the Site are proprietary marks of Direct Line and/or any applicable relevant third party. Unless otherwise agreed in writing nothing on the Site shall be deemed to confer on any person any licence or right to use any such image, logo, name or trademark and any such use may constitute an infringement of the rights of the holder.

OWNERSHIP OF ALL MATERIALS ON THE SITE

We are the owner of all copyright, design, graphical and text arrangements, database rights and other intellectual property rights that exist in the content of the Site unless otherwise stated. The Site is intended for non-commercial personal use only. You may not commercially exploit, publish, distribute, extract, re-utilise or reproduce any part of the Site in any material form (including photocopying or storing it in any medium by electronic means) or use it in any other way other than in accordance with the limited use licence set out in our copyright notice.

Interference or entry to the Site with intent to corrupt, damage or deny service from the Site or for other commercial benefit shall be taken seriously and we shall take such action as is necessary to protect the Site from any such activities to protect our intellectual property rights. You acknowledge that damages may not be an adequate remedy for any infringement of such rights by you and that we are entitled to the remedies of injunction, specific performance, orders to deliver up infringing copies and any other statutory or equitable relief for any threatened or actual infringement and that no proof of special damages is necessary for reliance on such remedies.

PRODUCT TERMS AND CONDITIONS

The content of the Site does not constitute an offer by us to sell products and services. Your request to purchase a product or service represents an offer by you and will be subject to the terms and conditions of that product or service that we may accept or reject. After you make a request through the Site to purchase the product or service then assuming such product or service is available to you and your offer is accepted, you will receive confirmation of your purchase.

The information and descriptions on the Site do not necessarily represent complete descriptions of all terms, conditions and exclusions and the precise cover provided (as applicable) shall be included in the schedule of cover, policy documents and/or conditions of purchase issued to you.

If you apply for any product or service detailed on the Site, these conditions of use should be read in conjunction with any other terms and conditions relating to that product or service and, in the event of any contradiction between these conditions of use and the specific product of service terms and conditions, the latter shall prevail.

You must ensure that the details you give to us while using this Site are correct and that there are sufficient funds to cover the cost of the product or service. In the case of requesting an automatic renewal the credit or debit card you are using must be your own and not in anyone else's name.

EXTERNAL LINKS

We may provide links to other websites that are not under our control. These links are provided for your convenience. When you activate these links, you will leave the Site. We do not endorse or take responsibility for the content on third party websites or the availability of those websites and we are not liable for any loss or damage that you may suffer by using those websites. If you decide to access linked websites you do so at your own risk.

Certain links on the Site will lead you to websites that are under the control of other companies within the Direct Line group and the RBS Group across the world. These sites are operated on a local basis and may be subject to laws and/or regulation other than the UK. Please consult the conditions of use and privacy statement on those websites for further details on use of those websites.

SITE ACCESS AND PASSWORD USAGE

The Site is directed at those who can access the Site from the UK and is intended for use by UK residents only. Applications for products from non-UK residents will, unless otherwise stated, not be accepted.

You must not use the Site in any way that causes or is likely to cause access to be interrupted, or impaired in any way and you acknowledge and agree that you are responsible for electronic communications sent from your computer.

CREDIT CARD TRANSACTIONS

We retain the credit card details you provide to us after payment has been made. This assists in reducing credit card fraud. Except in exceptional circumstances any refund we provide to you for any product you have purchased by credit card is made back to the credit card account used to make the initial purchase.

DISCLAIMER

We will do our best to correct errors and omissions as soon as we can. Nevertheless on occasion there may be mistakes in the price or type of product shown. In the event that such error in price, product or service is shown then we reserve the right to cancel that contract, but this of course will be without any liability to you and a refund will be offered.

The following provisions should be read carefully as they exclude or limit our legal liability in connection with your use of this website. Nothing in these terms and conditions attempts to exclude liability that is not permissible under applicable law, including without limitation, death or personal injury, or for fraudulent misrepresentation.

Nothing in these terms and conditions shall exclude, limit or restrict our duties and liabilities to you under the Financial Services and Markets Act 2000, or any conduct of business rules that we are bound to comply with.

While we have taken all reasonable steps to ensure the accuracy and completeness of the content of the website, we exclude any warranties, undertakings or representations (either express or implied) to the full extent permitted under applicable law, that the website or (including without limitation) all or any part of the content or materials, accuracy, availability or completeness of the content of the website or any part of the content or materials are appropriate or available for use either in the United Kingdom or in other jurisdictions. If you use this website from other jurisdictions, you are responsible for compliance with applicable local laws.

We accept no liability in contract, tort, negligence, statutory duty or otherwise (to the maximum extent permitted by applicable law) arising out of the use of or access to this website (which includes without limitation) any errors or omissions contained in this website or if the website is unavailable and we shall not be liable for any direct or indirect:

Access to and use of this website is at the user's own risk and we do not warrant that the use of this website or any material downloaded from it will not cause damage to any property, or otherwise minimise or eliminate the inherent risks of the internet including but not limited to loss of data, computer virus infection, spyware, malicious software, trojans and worms. Also, we accept no liability in respect of losses or damages arising out of changes made to the content of this website by unauthorised third parties.

Please note that this disclaimer does not affect your statutory rights in respect of any products or services that you purchase from this site.

AMENDMENT TO THESE CONDITIONS OF USE

We reserve the right to amend the Site and these conditions of use without notice from time to time. Any such amendment shall be effective once the revisions have been posted on this Site. As these Conditions of Use may be updated from time to time, we suggest that you check them whenever you visit the Site. The last update was made in December 2003.

If any of these provisions shall be unlawful, void or unenforceable for any reason the particular provision shall be deemed deleted and will not affect the validity or enforceability of the remaining provisions.

MONITORING OF TELEPHONE CALLS AND EMAILS

Telephone calls and email correspondence with us as a result of your access to the Site may be recorded for training purposes and to assist in the prevention of fraud. By using such communication methods you are consenting to such activities taking place.

WAIVER

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

JURISDICTION AND LAW

These conditions of use shall be governed by and construed in accordance with English law. Disputes arising here from shall be subject to the exclusive jurisdiction of the courts of English courts.


Tea-mergency online competition Terms & Conditions

Win a box of Team-mergency tea or tea at the Ritz - Terms & Conditions

The Promoter is RBS Insurance Services Limited. RBS is registered in Scotland (Registered Number 90312). Its registered office address is: 36 St Andrew Square, Edinburgh, EH2 2YB. Registered VAT No: GB 243852752.

By participating in this prize draw you are deemed to accept these terms and conditions.

Prize draw open to customers and non-customers aged 18 or over who are UK residents. Draw is not open to employees of (Direct Line), their families or anyone associated with this draw. Proof of eligibility must be provided on request.

No purchase necessary - send your full name, address and telephone number on a postcard to (Unity, Unit 110 Black Bull Yard, 24-28a Hatton Wall, London EC1N 8JH) for entry. The prize draw can be entered by obtaining a quote online or via telephone.

Entries not submitted in accordance with these rules, delayed, damaged, incomplete, altered or illegible, will be disqualified. No responsibility is accepted for entries lost, delayed or damaged in the post. Proof of posting will not be accepted as proof of entry.

The second prize is one (box of Tea-mergency tea) per winner and the first prize is tea for two at The Ritz hotel London. The prizes include postage to winners’ UK addresses. Promotion runs from (13th August 2009) and all entries must be received by midnight on (27th August 2009) latest.

The Promoter will not accept responsibility for loss through technical fault, incomplete, illegible or other damaged entries. Proof of entry is not automatically proof of receipt.

Winners will be selected every day throughout (13th August – 27th August 2009) and notified by Twitter within 48 hours.

The Promoter will announce ten winners of the competition every day between 13th August-27th August.

Winners will have seven days to respond after notification that they have won, after which time an alternative winner may be chosen at random.

The prize is not transferable and there is no cash alternative. The promoter’s decision is final in all matters and no correspondence will be entered into. The promoter reserves the right (a) to add to or waive any rules on reasonable notice (b) cancel or postpone the promotion at any stage in the event of circumstances beyond its reasonable control; or (c) in its reasonable discretion to substitute a prize of equal or greater value.

Winners must cooperate fully for publicity purposes if so required by Unity.

If a prize remains unclaimed after reasonable efforts have been made to contact the winner the promoter will be entitled to dispose of the prize as it sees fit without any liability to the winner for having done so.

The promoter reserves the right to alter, amend or foreclose the promotion without prior notice.

The decision on the Winners is final and no correspondence will be entered into.

Applications

To enter the competition will require the entrant to visit www.twitter.com and “tag” a tweet with the words #teamergency. This will constitute entry to the competition.

Entries may not contain or constitute: racism or bigotry; hate speech; physical threats of any kind; harassment; libel; copyright infringement; gratuitous profanity; inappropriate nudity; obscenity; or spam.

Selection of winners

Tweets tagged with the word #teamergency will be judged and the Winners will be chosen on the basis of suitability to tone and style of the Competition.

The Promoter will also select winners on Twitter by scanning for tweets and chosen Winners on the basis of suitability to tone and style of the Competition.

A total of ten winners will be selected every day. Winners will be contacted through Twitter and asked to send their postal address in order to be sent a box of tea.

The Promoter will also select five Winners during the competition who will be sent the first prize (voucher for tea for two people at The Ritz hotel London).