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This page (together with the documents referred to on it) tells you the terms of use on which you may make use of our website (Site).

Please read these terms of use carefully before you start to use the Site. By using our Site, 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 our Site.
1 Information about us
1.1 Our Site is operated by Advent Capital (Holdings) LTD trading as Advent (we). We are the holding company of a specialist property reinsurance and insurance underwriting group. We are registered in England and Wales under company number 03033609 and our registered office and main trading address is at 2nd Floor, 2 Minster Court, Mincing Lane, London, EC3R 7BB.
1.2 Our VAT number is 452471554. Our subsidiary company Advent Underwriting Limited is authorised and regulated by The Prudential Regulatory Authority (PRA). PRA authorisation can be checked on the PRA register. Advent Underwriting Limited is registered in England and Wales under company number 1227004 and our registered office and main trading address is at 2nd Floor, 2 Minster Court, Mincing Lane, London, EC3R 7BB.
1.3 Our Site also contains details of our managed syndicate Advent Syndicate 780. These terms also govern any information contained on our Site which relates to these areas of our business and the services they provide.
2 Service Availability
2.1 The content of our Site is intended for use in, and use by, residents of the United Kingdom and in other countries in which we operate, provided that the site is not intended for use by a user in any country where such use would be contrary to applicable laws and/or regulations. Those who choose to access our Site from countries outside of the United Kingdom are responsible for compliance with the local laws of that country if and to the extent local laws are applicable. 
2.2 The products and services mentioned on our Site are only made available where permitted under the legal and regulatory requirements applicable in each jurisdiction. Accordingly, certain products or services mentioned on our Site may not be available in all jurisdictions.
2.3 US Visitors: Please note, underwriters at Lloyd's are only licensed in Kentucky, Illinois, and the US Virgin Islands. In other States, policies issued by underwriters at Lloyd's may only be available through a licensed surplus lines broker. Insurance policies issued by Underwriters at Lloyd's are not protected or guaranteed by State insurance guaranty associations or insolvency funds.
3 Accessing our Site
3.1 Access to our Site is permitted on a temporary basis, and we reserve the right to withdraw or amend the service we provide on our Site without notice (see below). Accordingly, we do not guarantee our Site will be continuously available or that information contained in it will be continuously updated.
3.2 From time to time, we may restrict access to some parts of our Site.
3.3 When using our Site, you must comply with the provisions of our Acceptable Use Policy.
3.4 You are responsible for making all arrangements necessary for you to have access to our Site. You are also responsible for ensuring that all persons who access our Site through your internet connection are aware of these terms, and that they comply with them.
4 Intellectual Property Rights
4.1 We are the owner or the licensee of all intellectual property rights in our Site, and in the material published on it. Those works are protected by copyright laws and treaties around the world. All such rights are reserved.
4.2 You may print off one copy, and may download extracts, of any page(s) from our Site for your personal reference and you may draw the attention of others within your organisation to material posted on our Site.
4.3 You must not modify the paper or digital copies of any materials you have printed off or downloaded in any way, and you must not use any illustrations, photographs, video or audio sequences or any graphics separately from any accompanying text.
4.4 Our status (and that of any identified contributors) as the authors of material on our Site must always be acknowledged.
4.5 You must not use any part of the materials on our Site for commercial purposes without obtaining a licence to do so from us or our licensors.
4.6 If you print off, copy or download any part of our Site in breach of these terms of use, your right to use our Site will cease immediately and you must, at our option, return or destroy any copies of the materials you have made.
5 Accuracy of Information and our liability
5.1 We and our information providers have expended significant time, effort, skill and expertise in compiling and verifying the information on our Site. While we endeavour to ensure that the information on our Site or accessible from it is correct, our Site provides access to a large amount of data and related information and there may, despite our efforts, be errors in it. If you find any inaccurate information on the Site let us know and we will correct it, where we agree, as soon as practicable. We reserve the right to add, remove or update or vary any of the information made available on our Site at any time and without notice.
5.2 Although we hope our Site will be of interest to you, we do not know the context, circumstances or purposes to which you may wish to apply and/or use this information. Accordingly, the information, commentary and other materials posted on our Site are NOT intended to amount to advice on which reliance should be placed. We therefore disclaim all liability and responsibility arising from any reliance placed on such materials by any visitor to our Site, or by anyone who may be informed of any of its contents.
5.3 We provide the information on our Site free of any access charge. Accordingly, such information is made available on the basis of no liability for the information given. To the maximum extent permitted by law, we provide our Site on the basis that we exclude all representations, warranties, conditions and other terms (including, without limitation, the conditions implied by law of satisfactory quality, fitness for purpose and the use of reasonable care and skill) which but for this legal notice might have effect in relation to our Site.
5.4 Whether or not advised of the possibility, we shall not, nor shall any other party (whether or not involved in creating, producing, maintaining or delivering our Site), be liable to you for any kind of loss or damage that may be suffered or claimed by you (or any person claiming under or through you) or to any third party, which arises in connection with the use or inability to use or the results of use of our Site and any sites linked to our Site or the material on such sites, whether such losses or damages are suffered directly or indirectly or are immediate or consequential, or whether arising from negligence, breach of contract or howsoever, such losses or damages to include (without limitation):
5.4.1 special, indirect, punitive or consequential loss or damage even if we were aware of the circumstances in which such loss or damage could arise; or
5.4.2 special, indirect, punitive or consequential loss or damage even if we were aware of the circumstances in which such loss or damage could arise; or
5.4.3 loss of income, profits, anticipated savings; or
5.4.4 loss of business opportunity, goodwill or injury to reputation; or
5.4.5 loss of or corruption to your or any other data (you being responsible for establishing and maintaining adequate security and backup procedures); or
5.4.6 loss or damage due to viruses that may infect your computer equipment, software, data or other property on account of your access to, use of, or browsing our Site or downloading of any material from our Site or websites linked to our Site; or
5.4.7 any business interruption, wasted management or staff time.
5.5 This does not affect our liability for death or personal injury arising from our negligence, nor our liability for fraudulent misrepresentation or misrepresentation as to a fundamental matter, nor any other liability which cannot be excluded or limited under applicable law.
5.6 We are a distributor as well as a publisher of content supplied by third parties and users of our Site. Any opinions, advice, statements, services, offers, or other information or content expressed or made available by third parties, including information providers, or other users of our Site, are those of the authors, distributors or users and not of us. We do not necessarily endorse nor are we responsible for the accuracy or reliability of any opinion, advice or statement made on our Site.
5.7 If you make an arrangement with any third parties who are named or connected with our Site you do so at your own risk.
6 Products and Investments Disclaimer
6.1 WarningThe information contained on our Site or made available from it must not be relied upon in making any investment decisions. In respect of any information regarding securities, or investments or financial products, you should note in particular that past performance cannot be relied upon as a guide to future performance. The price of units, funds and the income from them can go down as well as up, and investors may not receive back the amount they invested. In making investment decisions, users of our Site should obtain their own professional advice. In particular, the information contained on our Site or made available from it does not constitute an invitation or offer to sell, invest or deal in, or a solicitation of an offer to purchase, invest or deal in any securities of Advent Capital (Holdings) PLC or any of its subsidiary companies.
6.2 Where the information on our Site or made available from it consists of pricing or performance data, the data has been obtained from company reports, periodicals, and similar sources which we believe to be reliable. However we do not guarantee data computations. Please see also our Disclaimer/Warning, see section 5 above.
6.3 The contents of our Site are for information purposes only and are not intended to constitute an offer to sell, or a solicitation, or advice, in relation to any product or service, by us or any of our managed syndicates. In addition any business product or service mentioned on our Site may be varied or discontinued at any time and without notice. Nothing in our Site shall have the effect to vary or add to any agreement of other arrangements between us and any other person.
7 Acceptable Use Policy
7.1 You may use our Site only for lawful purposes. You may not use our Site:
7.1.1 In any way that breaches any applicable local, national or international law or regulation.
7.1.2 In any way that is unlawful or fraudulent, or has any unlawful or fraudulent purpose or effect.
7.1.3 To transmit, or procure the sending of, any unsolicited or unauthorised advertising or promotional material or any other form of similar solicitation (spam), either to us or to anyone whose details are posted on our Site.
7.1.4 To knowingly transmit or introduce any viruses, trojans, worms, logic-bombs, keystroke loggers, spyware, adware, denial of service attacks or any other harmful programs, or similar computer code which is malicious or technologically harmful and is designed to damage or adversely affect the content, software or performance of our Site or the operation of any other computer software or hardware. 
7.2 You also agree: 
7.2.1 Not to reproduce, duplicate, copy or re-sell any part of our Site in contravention of the provisions of these terms of website use.
7.2.2 Not to send automated queries of any sort via our Site without express permission in advance from us. Automatic queries include attempts to harvest company email or website addresses by means of spamming bots or spiders.
7.2.3 Not to send us junk email, spam or any message which is in breach of the Acceptable Use Policy set out in this clause, either to us or to anyone whose details are posted on our Site. Communications sent to us should only relate to legitimate business purposes and also conform to any Data Protection Act requirements.
7.2.4 Not to access without authority, interfere with, damage or disrupt:(a) any part of our Site;(b) any equipment or network on which our Site is stored;(c) any software used in the provision of our Site; or(d) any equipment or network or software owned or used by any third party.
Suspension and termination
7.3 We will determine, in our discretion, whether there has been a breach of this Acceptable Use Policy through your use of our Site. When a breach of this policy has occurred, we may take such action as we deem appropriate.
7.4 Failure to comply with this Acceptable Use Policy constitutes a material breach of these terms of use upon which you are permitted to use our Site, and may result in our taking all or any of the following actions:
7.4.1 Immediate, temporary or permanent withdrawal of your right to use our Site. 
7.4.2 Issue of a warning to you.
7.4.3 Legal proceedings against you for reimbursement of all costs on an indemnity basis (including, but not limited to, reasonable administrative and legal costs) resulting from the breach.
7.4.4 Disclosure of such information to law enforcement authorities as we reasonably feel is necessary.
7.5 We exclude liability for actions taken in response to breaches of this Acceptable Use Policy. The responses described in this policy are not limited, and we may take any other action we reasonably deem appropriate.
8 Links to other sites
8.1 You are not permitted to create links to our Site from any other website without first obtaining our written permission.
8.2 We may provide hypertext links to other sites that are operated by other people. These links are provided solely for your convenience. Using such a link means you are leaving our Site and we take no responsibility for, and give no warranties, guarantees or representations in respect of other linked sites. This is because we do not control and are not responsible for these sites or their content or availability. If you decide to access any of the third party websites linked to our Site, you do so entirely at your own risk.
8.3 Complaints relating to information appearing on other websites should be addressed to the operator of that website.
9 Information about you and your visits to our site
9.1 We process information about you in accordance with our privacy policy. By using our Site, you consent to such processing and you warrant that all data provided by you is accurate.
10 Variations
10.1 We may revise these terms of use at any time by amending this page. You are expected to check this page from time to time to take notice of any changes we make, as they are binding on you. Some of the provisions contained in these terms of use may also be superseded by provisions or notices published elsewhere on our Site.
11 Jurisdiction and applicable law
11.1 The English courts will have exclusive jurisdiction over any claim arising from, or related to, a visit to our Site. These terms of use are governed by English law.
11.2 We make no warranty or guarantee that our Site or information available from it complies with laws other than those of England.
12 General
12.1 Any formal legal notices should be sent to us at the address at the end of these terms by email or by post.
12.2 Failure by us to enforce a right does not result in waiver of such right. You may not assign or transfer your rights under these terms.
12.3 Nothing in these terms is intended to, nor shall it, confer any benefit on a third party whether under the contracts (Rights of Third Parties) Act 1999 or otherwise.
13 Further Information
13.1 Further information on these terms or any queries on them can be obtained from:
13.2 If you have any concerns about material which appears on our Site, please don't hesitate to contact us.
Thank you for visiting our Site.