Acceptable Use Policy

This Acceptable Use Policy sets out the terms between You and Us under which you may access the Website. This Acceptable Use Policy applies to all users of, and visitors to, the Website.

In this Acceptable Use Policy We use certain defined terms as follows:

  • “Ageas Group” means any of the companies listed below (About Ageas UK) and any other subsidiary of Ageas (UK) Limited and/ or any subsidiary of the companies listed below from time to time;
  •  “We”, “Our”, “Us” means all companies within the Ageas Group;
  •  “Website” means ageas.co.uk and/or Optima Online, Ageas Insurance Limited Extranet, Ageas Insurance Solutions Extranet or Ageas Protect Extranet;
  • “You”, “Your” refers to any user of this Website.

This Acceptable Use Policy sets out the terms between You and Us under which you may access the Website. This Acceptable Use Policy applies to all users of, and visitors to, the Website.

Please read this Acceptable Use Policy carefully before You start to use the Website, as this policy will apply to Your use of the Website. We recommend that You print a copy for future reference.

This Acceptable Use Policy supplements the Conditions of Use of the Website. By using the Website, You confirm that You accept the Acceptable Use Policy and that You agree to comply with it.

About Ageas UK  

Ageas (UK) Limited is a company registered in England and Wales (company number 1093301), whose registered office is Ageas House, Hampshire Corporate Park, Templars Way, Eastleigh, Hampshire, SO53 3YA.

From January 2015, the Ageas group of companies includes Ageas (UK) Limited, Ageas Insurance Limited, Ageas Retail (trading as Castle Cover and RIAS, Kwik Fit Insurance Services Limited, Express Insurance Services Limited) and Tesco Underwriting Limited. 

Ageas Insurance Limited and Tesco Underwriting Limited are authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. 

Ageas Protect has been sold to AIG.

AIG Life Limited (previously named Ageas Protect Limited) registered address is AIG Life Limited, The AIG Building, 58 Fenchurch Street, London, EC3M 4AB, registered in England and Wales number 6367921. 
AIG Life Limited is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. The registration number is 473752.

Changes to the Acceptable Use Policy  

We may revise this Acceptable Use Policy 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 legally binding on You. Some of the provisions contained in this Acceptable Use Policy may also be superseded by provisions or notices published elsewhere on the Website.

Prohibited uses  

You may use the Website only for lawful purposes.  You may not use the Website:

  • In any way that breaches any applicable local, national or international law or regulation;
  • In any way that is unlawful or fraudulent, or has any unlawful or fraudulent purpose or effect;
  • For the purpose of harming or attempting to harm minors in any way;
  • To send, knowingly receive, upload, download, use or re-use any material which does not comply with our Conditions of Use;
  • To transmit, or procure the sending of, any unsolicited or unauthorised advertising or promotional material or any other form of similar solicitation (spam);
  • To knowingly transmit any data, send or upload any material that contains viruses, Trojan horses, worms, time-bombs, keystroke loggers, spyware, adware or any other harmful programs or similar computer code designed to adversely affect the operation of any computer software or hardware.

You also agree:

  • Not to reproduce, duplicate, copy or re-sell any part of our site in contravention of the provisions of our Conditions of Use
  • Not to access without authority, interfere with, damage or disrupt:
  • any part of the Website;
  • any equipment or network on which the Website is stored;
  • any software used in the provision of the Website; or
  • any equipment or network or software owned or used by any third party.

Interactive services  

We may from time to time provide interactive services on the Website, including, without limitation:

  • Chat rooms.
  • Bulletin boards.

(“Interactive Services”).

Where we do provide any Interactive Service, we will provide clear information to You about the kind of service offered, if it is moderated and what form of moderation is used (including whether it is human or technical).

We will do Our best to assess any possible risks for users (and in particular, for children) from third parties when they use any interactive service provided on Our Website, and we will decide in each case whether it is appropriate to use moderation of the relevant service (including what kind of moderation to use) in the light of those risks. However, we are under no obligation to oversee, monitor or moderate any interactive service we provide on the Website, and we expressly exclude Our liability for any loss or damage arising from the use of any interactive service by a user in contravention of our content standards, whether the service is moderated or not.

The use of any of Our interactive services by a minor is subject to the consent of their parent or guardian. We advise parents who permit their children to use an interactive service that it is important that they communicate with their children about their safety online, as moderation is not fool proof. Minors who are using any interactive service should be made aware of the potential risks to them.

Where We do moderate an interactive service, we will normally provide you with a means of contacting the moderator, should a concern or difficulty arise.

Content Standards  

These content standards apply to any and all material which you contribute to the Website (“Posts”), and to any interactive services associated with it.

You must comply with the spirit of the following standards as well as the letter. The standards apply to each part of any Post as well as to its whole.

Posts must:

  • Be accurate (where they state facts);
  • Be genuinely held (where they state opinions); and
  • Comply with applicable law in the UK and in any country from which they are posted.

Posts must not:

  • Be defamatory or contain any material which is defamatory of any person;
  • Be or contain any material which is disruptive, abusive, obscene, offensive, hateful or inflammatory;
  • Contain sexually explicit material, indecent comments, obscenities and/or profanities;
  • Promote violence;
  • Promote discrimination based on race, sex, religion, nationality, disability, sexual orientation or age;
  • Infringe any copyright, database right, trade mark or other intellectual property right of any other person worldwide;
  • Be likely to deceive any person;
  • Be made in breach of any legal duty owed to a third party, such as a contractual duty or a duty of confidence;
  • Condone, promote or encourage any illegal activity or any nature;
  • Be threatening, abuse or invade another’s privacy, or cause annoyance, inconvenience or needless anxiety;
  • Intend or have the effect of causing distress, embarrassment, alarm, annoyance, inconvenience or harassment to any person or group of persons or is intended to cause disruption to the normal flow of dialogue on Our Website; 
  • Be used to impersonate any person, or to misrepresent your identity or affiliation with any person;
  • Give the impression that they emanate from us, if this is not the case; or
  • Advocate, promote or assist any unlawful act such as (by way of example only) copyright infringement or computer misuse;
  • Be submitted more than once nor should substantially similar Posts be made many times over (known as spamming) including any Post which contains software viruses, malware or any disabling codes;
  • Advertise, market or campaign in relation to any commercial, political or other enterprise;

You grant us a non-exclusive, royalty free, worldwide, perpetual license to use the contents of the Post.

You will indemnify and keep Us indemnified from and against all losses, costs, liabilities, expenses (including legal expenses), claims, fines We may suffer or incur as a result of any third party threatening or bringing a claim against Us that Your Post or the contents thereof infringes any copyright, trademark, trade secrets, or any other intellectual property rights of any third party. If You are a consumer, this means You will be responsible for any loss or damage We suffer as a result of Your breach of the Acceptable Use Policy.

Suspension and termination  

We will determine, in Our discretion, whether there has been a breach of this Acceptable Use Policy through Your use of Our Website.  When a breach of the Acceptable Use Policy has occurred, We may take such action as We deem appropriate. 

Failure to comply with this Acceptable Use Policy constitutes a material breach of the Conditions of Use upon which You are permitted to use the Website, and may result in our taking all or any of the following actions:

  • Immediate, temporary or permanent withdrawal of Your right to use the Website;
  • Immediate, temporary or permanent removal of any posting or material uploaded by You to the Website;
  • Issue of a warning to You;
  • 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.
  • Further legal action against You.
  • Disclosure of such information to law enforcement authorities as We reasonably feel is necessary.

We reserve the right to terminate Your use of the Website at any time. Once permission to use the Website has been terminated Your IP address will be prohibited from posting any further comments.

Any user name which breaches the Acceptable Use Policy will be deleted from the Website.

We exclude liability for actions taken in response to breaches of this Acceptable Use Policy.  The responses described in this Acceptable Use Policy are not limited, and We may take any other action We deem appropriate.