These Terms and Conditions of Use (together with the documents referred to in them) (“Terms of Use”) set out the terms on which you may make use of this website
under the domain name (the “Website”), whether as a guest or a registered user.

The Terms of Use consist of general terms applicable to all sections of the Website and special terms that apply only to certain applications, as indicated. In addition,
expressly designated legal notices, disclaimers or other terms may be located on particular pages of the Website. Any such notices, disclaimers and terms are ancillary
to these Terms of Use.

Please read these Terms of Use carefully before you start to use the Website. By using the Website, you indicate that you accept these Terms of Use and that you agree to abide by them. If you do not agree to these Terms of Use, please refrain from using the Website.


1. Information about us
1.1.The Website is operated by Apollo Syndicate 1969, whose principal place of business is at One Bishopsgate, London, EC2N 3AQ.

2.Intellectual Property Rights
2.1.Apollo Syndicate 1969 is the owner or the licensee of all intellectual property rights in the Website, and in the material published on it. Those works are protected
by copyright laws and treaties around the world. All such rights are reserved.

2.3.You are permitted to print and download extracts from this Website for your own personal use or internal business purposes provided that: documents or related graphics on this Website are modified in any way; graphics on this Website are used separately from accompanying text; and
2.3.3.Apollo Syndicate 1969 copyright and trademark notices as shown on each web page appear on all copies.

3. This permission will be revoked immediately if any of its terms are infringed.

4.1.Unless otherwise stated, the copyright and other intellectual property rights in all materials on this Website (including without limitation photographs and graphical
images) are owned by Apollo Syndicate 1969 or its licensors. Any use of extracts from this Website other than in accordance with [paragraph 2.3] above for any purpose is strictly prohibited. If you breach any of these Terms of Use, your permission to use this Website automatically terminates and you must immediately destroy any downloaded
or printed extracts from this Website.

4.2.Subject to [paragraph 2.3] no part of this Website may be reproduced or stored on any other website or included in any public or private retrieval system or service without Apollo Syndicate 1969 prior written permission.

5.Availability of Website
5.1.We aim to update our site regularly, and may change the content at any time.

5.2.Whilst Apollo Syndicate 1969 endeavours to ensure that this Website is normally available 24 hours a day, Apollo Syndicate 1969 will not be liable if for any reason this Website is unavailable at any time or for any period.

5.3.Access to this Website may be suspended temporarily and without notice in the case of system failure, maintenance or repair or for reasons beyond Apollo Syndicate 1969 control.

6. Visitor material and conduct
6.1.Other than personally identifiable information, which is covered in the Privacy and Cookies Policy, any material that you transmit or post to this Website will be considered non-confidential and non-proprietary. Apollo Syndicate 1969 will have no obligations with respect to such material. Apollo Syndicate 1969 will be free to copy, disclose,
distribute, incorporate and otherwise use such material and all data, images, sounds, text and other things embodied therein for any and all commercial or non-commercial purposes. If you do not wish Apollo Syndicate 1969 to have the rights set out in this paragraph please do not transmit or post any material or submit any contributions to the Website.

6.2.You are prohibited from submitting, posting or transmitting to this Website any material which:
6.2.1. is unlawful, harassing, threatening, defamatory, harmful, profane, indecent, offensive, pornographic, abusive, liable to incite racial hatred, discriminatory, in breach
of confidence, in breach of privacy or which may cause annoyance or inconvenience;
6.2.2. violates a patent, trade mark, copyright, trade secret or other intellectual property rights of others or for which you have not obtained all necessary licences and/or
6.2.3. constitutes or encourages conduct that would be considered a criminal offence, give rise to civil liability, or otherwise be contrary to the law or infringe the rights of
any third party, in the UK or any other country in the world;
6.2.4. constitutes any form of marketing; or
6.2.5. is technically harmful (including, without limitation, computer viruses, logic bombs, Trojan horses, worms, harmful components, corrupted data or other malicious
software or harmful data).

6.3.You must not misuse the Website (including, without limitation, hacking).

6.4.Violation of this section may lead to legal action being taken against you by the authorities or an aggrieved third party. Apollo Syndicate 1969 will fully cooperate with any law enforcement authorities or court order requesting or directing Apollo Syndicate 1969 to disclose the identity or locate anyone submitting, posting or transmitting any material in breach of this section.

6.5.You shall fully indemnify Apollo Syndicate 1969 for any loss or damage suffered by Apollo Syndicate 1969 or any of its subsidiaries for breach of paragraphs [6.2 or 6.3].

7. Links from the Website
7.1.Connected Apollo Syndicate 1969 websites (including Agency, Atlas, Binding Authority Registration, Crystal and Members’ Access to Funds at Apollo Syndicate 1969) that can be accessed via links from this Website are subject to separate terms and conditions. You must therefore read those terms and conditions carefully before using those sites.

7.2.Links to third party sites on this Website are provided solely for your convenience. If you use these links, you leave this Website. Apollo Syndicate 1969 makes no
representations as to the security, quality or propriety of any site which may be accessed through this Website and accepts no liability for the content or for any loss or damage caused or alleged to have been caused by the use of or reliance on information contained in such sites or goods or services purchased from them. If you decide to access any
of the third party sites linked to this Website, you do so entirely at your own risk.

8. Linking to the Website
8.1.If you would like to link to this Website, you may only do so on the basis that you link to, but do not replicate, the home page of this Website, and subject to the following conditions: do not remove, distort or otherwise alter the size or appearance of the Apollo Syndicate 1969 logo; do not create a frame or any other browser or border environment around this Website; do not in any way imply that Apollo Syndicate 1969 is endorsing any products or services other than its own; do not misinterpret your relationship with Apollo Syndicate 1969 nor present any other misleading information about Apollo Syndicate 1969; do not otherwise use any Apollo Syndicate 1969 trademarks displayed on this Website without express written permission from Apollo Syndicate 1969; do not link from a site that is not owned by you or your employer; and
8.1.7.your site does not contain content that could reasonably be construed as distasteful, offensive or infringes any intellectual property rights or other rights of any other
person or otherwise does not comply with all applicable laws and regulations.

8.2.Apollo Syndicate 1969 expressly reserves the right to revoke the right granted for any breach of these Terms of Use and to take any action it deems appropriate.

8.3.You shall fully indemnify Apollo Syndicate Management Limited for any loss or damage suffered by Apollo Syndicate Management Limited or any of its subsidiaries for breach of paragraphs 8.1.1 - 8.1.7.

9. Disclaimer
9.1.The communication of information and service on the Website provided by either third parties or Apollo Syndicate 1969 is not intended for distribution to, or use by, any person or entity in any jurisdiction or country where such distribution or use would be contrary to local law or regulation. In particular, the contents and/or subject matter of the Website does not constitute an offer of information, products or services, or offer to purchase or solicitation of insurance to U.S. residents, or in any other jurisdictions where such an offer may be unlawful.

9.2.The Website and attached communications do not represent a prospectus or invitation in connection with any solicitation of capital. Nor does it constitute an offer to sell securities or insurance, a solicitation of an offer to buy securities or insurance, or a distribution of securities in the United States or to a U.S. person, or in any other jurisdiction where it is contrary to local law. Such persons should inform themselves about and observe any applicable legal requirement.

9.3.The information, including any insurance or financial related information, viewable by you on this Website is provided for information only and does not constitute an offer to (or the solicitation of an offer to purchase) insurance, nor does it constitute investment advice of any kind whatsoever.

9.4.While Apollo Syndicate 1969 and its third party providers endeavour to ensure that the information on this Website is correct, Apollo Syndicate 1969 and its third party providers do not warrant the accuracy and completeness of the material on this Website. Apollo Syndicate 1969 may make changes to the material on this Website at any time without notice.

10. Warranty and Liability
10.1.This Website is provided “as is” for information purposes only and Apollo Syndicate 1969 and its third party providers give no warranties of any kind either express or implied in respect thereof. Specifically, but without limitation, Apollo Syndicate 1969 and its third party providers do not warrant that:
10.1.1. you will be able to use this Website or that it will continue to be made available in its current or any other form;
10.1.2. this Website or any material of whatsoever nature available on or downloaded from it will be free from viruses or defects, compatible with your equipment or fit for any purpose.

10.2.It is your responsibility to use suitable anti-virus software on any material that you may download from this Website and to ensure the compatibility of such software or material with your equipment; or any content or information published on this Website is accurate or complete.

10.3.The editorial content of any other site to which you have gained access by means of any hyperlinks published on the Website remains the responsibility of the provider of that other website.

10.4.All warranties which would otherwise be implied by law are hereby excluded.

10.5.Apollo Syndicate 1969 and its third party providers will not (subject only to paragraph 10.7 below) be liable to you, whether for negligence, breach of contract or
otherwise, for any loss or damage whatsoever suffered by you (including without limitation, direct loss or damage, indirect or consequential loss or damage, loss of goodwill, loss of business opportunity, loss of data or loss of profit), arising from:
10.5.1. any computer virus or other bug transmitted through this Website;
10.5.2. your use or inability to use this Website at any time and any failure by Apollo Syndicate 1969 to provide this Website;
10.5.3. your use of and/or reliance on other sites to which you have gained access by means of hyperlinks published on this Website;
10.5.4. any inaccurate or incomplete information published on this Website;
10.5.5. your failure to comply with any law or regulation that is applicable to you; or
10.5.6. your reliance on any information published on this Website.

10.6.You should note specifically that information might be published on this Website about insurance that may not be appropriate for your specific purposes or circumstances. If you are in any doubt as to who you should contact please refer to Contact Us.

10.7.Nothing in these Terms of Use shall operate to exclude or restrict Apollo Syndicate 1969 or its third party providers’ liability for either fraud, or death or personal injury resulting from Apollo Syndicate 1969, its third party providers or their employees’ negligence.

11. Apollo Syndicate 1969 services do not involve giving advice
11.1.The services Apollo Syndicate 1969 provides on the Website including those of its third party providers do not include, and do not purport to include giving advice of any kind whatsoever; providing, arranging, explaining, advising on or promoting investment products or life insurance of any type whatsoever; acting as insurance brokers or intermediaries, whether or not independent from any insurance provider; acting as agents of any kind for you or for any provider; providing brokerage or intermediary services of any kind whatsoever or assuming any of the duties of any such persons under any applicable legal system.

12. Variations
12.1.Apollo Syndicate 1969 may amend or revise these Terms of Use at any time without notice. You should check this Website from time to time to review the then current Terms of Use because they are binding on you.

13. Enforcement
13.1.The failure by Apollo Syndicate 1969 to enforce any term or condition of these Terms of Use shall not be deemed as a waiver of the right to enforce such term or condition.