Eligibility and acceptance
You must be legally capable of entering into a binding agreement under the laws that apply to you. If you use the Website on behalf of a company, partnership, or other organization, you represent that you have authority to bind that organization to these Terms.
These Terms apply to the Website only. A policy, quotation, application, product agreement, customer agreement, or other document may contain additional terms. If there is a conflict, the terms of the relevant product or customer agreement will govern that product or service to the extent of the conflict.
Website information is general information
The content on the Website is provided for general information and does not, by itself, constitute an offer, recommendation, quotation, policy, contract, guarantee of coverage, or financial, legal, tax, or other professional advice.
Product availability, eligibility, premiums, benefits, exclusions, limits, terms, and underwriting requirements may vary by applicant, location, product, and applicable law. A quotation or illustration is not confirmation that an application will be accepted or that coverage will begin. Coverage or another service becomes effective only when Crown Assurance has completed its required process and issued or confirmed the applicable agreement.
You should read all product documents carefully before making a decision. If you need advice about your circumstances, consult an appropriately qualified professional.
Applications, quotations, and information you provide
When you submit an enquiry, request a quotation, start an application, submit a claim, or use another Website form, you agree to provide information that is accurate, complete, and current. You must not submit information that is misleading, fraudulent, unlawful, or provided without the necessary authority or consent.
You are responsible for reviewing information before submitting it and for promptly correcting material errors. Crown Assurance may contact you to verify information, request supporting documents, conduct checks, assess eligibility, or comply with legal and regulatory obligations.
Submitting a form does not guarantee acceptance, coverage, payment, or any particular outcome. The relevant policy or service terms will determine the applicable rights and obligations.
Website accounts and security
Some features may require an account, login, one-time code, or other security measure. You are responsible for keeping your credentials confidential, using a strong password where applicable, and notifying Crown Assurance promptly if you suspect unauthorized access or activity.
You must not share access credentials, impersonate another person, bypass security controls, interfere with account systems, or access information that does not belong to you. Crown Assurance may suspend or restrict access where it reasonably believes that security, legal compliance, or the integrity of the Website is at risk.
Permitted use
You may use the Website for lawful, personal, or authorized business purposes. You must not:
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use the Website in violation of any applicable law or regulation;
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copy, scrape, harvest, frame, mirror, resell, or commercially exploit Website content without written permission;
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introduce malware, malicious code, or harmful material;
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interfere with the operation, security, or availability of the Website;
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attempt to gain unauthorized access to systems, accounts, or data;
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use automated means in a way that places an unreasonable burden on the Website; or
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use the Website to submit false, abusive, defamatory, or fraudulent content.
Intellectual property
The Website and its content, including text, trademarks, logos, graphics, photographs, designs, software, databases, and arrangement, are owned by or licensed to Crown Assurance and are protected by intellectual-property and other applicable laws.
Subject to these Terms, Crown Assurance grants you a limited, revocable, non-exclusive, non-transferable permission to access and use the Website for its intended purpose. No ownership rights are transferred to you. You must not use Crown Assurance’s name, marks, or branding without prior written permission.
Third-party websites and services
The Website may contain links to third-party websites, platforms, payment services, social networks, or other resources. These are provided for convenience. Crown Assurance does not control and is not responsible for third-party content, availability, security, privacy practices, or terms. Your use of a third-party service is governed by that provider’s terms and policies.
Availability, changes, and corrections
We aim to keep the Website accurate and available, but we do not promise that it will always be uninterrupted, secure, current, complete, or free from errors. We may modify, suspend, or discontinue any part of the Website without notice where reasonably necessary.
We may correct errors, update content, change features, or revise these Terms from time to time. The updated version will be posted on this page with a revised “Last updated” date. Unless applicable law requires otherwise, the updated Terms apply from the date they are posted. Your continued use of the Website after that date constitutes acceptance of the revised Terms.
Disclaimers
To the maximum extent permitted by law, the Website and its content are provided on an “as available” and “as is” basis. Crown Assurance disclaims warranties that cannot lawfully be excluded, including implied warranties of accuracy, merchantability, fitness for a particular purpose, non-infringement, and uninterrupted availability.
Nothing in these Terms excludes or limits a right, warranty, liability, or remedy that cannot lawfully be excluded or limited in the jurisdiction that applies to you.
Limitation of liability
To the maximum extent permitted by law, Crown Assurance and its directors, officers, employees, agents, and service providers will not be liable for indirect, incidental, special, consequential, exemplary, or punitive loss, or for loss of profits, revenue, business, opportunity, goodwill, data, or anticipated savings arising from or related to your use of, or inability to use, the Website.
To the extent permitted by law, Crown Assurance’s total liability arising from or related to the Website will be limited to [insert appropriate cap or statutory limitation]. This limitation does not apply to liability that cannot lawfully be limited or excluded, including [insert jurisdiction-specific carve-outs, such as fraud, willful misconduct, or death and personal injury caused by negligence].
Indemnity
To the extent permitted by law, you agree to indemnify and hold harmless Crown Assurance and its directors, officers, employees, agents, and contractors from claims, losses, liabilities, damages, costs, and expenses, including reasonable legal fees, arising from your breach of these Terms, unlawful use of the Website, fraud, or infringement of another person’s rights.
Suspension and termination
Crown Assurance may suspend or terminate your access to the Website, without liability, if you breach these Terms, misuse the Website, create a security or legal risk, or where suspension is reasonably necessary for maintenance or compliance.
Provisions that by their nature should continue after termination will survive, including provisions concerning intellectual property, disclaimers, liability, indemnity, governing law, and dispute resolution.
Privacy
Our collection and use of personal information is described in the [Crown Assurance Privacy Policy]([privacy policy URL]). By using the Website, you acknowledge that you have had an opportunity to review that policy.
Governing law and disputes
These Terms are governed by the laws of [jurisdiction], without regard to conflict-of-law principles. The courts located in [venue, city/country] will have [exclusive/non-exclusive] jurisdiction over disputes arising from or related to these Terms, except where mandatory consumer-protection law gives you the right to bring a claim elsewhere.
Before starting formal proceedings, the parties will try in good faith to resolve the dispute by contacting [complaints or legal contact email] and allowing [number] days for a response. This step does not remove any mandatory legal or regulatory complaint rights.
General provisions
If any provision of these Terms is held to be invalid or unenforceable, it will be modified to the minimum extent necessary, and the remaining provisions will remain in effect. Crown Assurance’s failure to enforce a provision is not a waiver of its right to enforce it later.
You may not assign or transfer your rights or obligations under these Terms without Crown Assurance’s prior written consent. Crown Assurance may assign these Terms as part of a reorganization, merger, sale, or transfer of relevant business assets, subject to applicable law.
These Terms, together with any documents expressly incorporated by reference, constitute the entire agreement concerning your use of the Website.
