Home > Legal


Darwin Clayton (UK) Ltd, along with its subsidiary companies believes in protecting the personal information that you provide us with.

Please read the following text carefully.



Please read these terms carefully – they apply to your use of this website.

By proceeding with access to our website, you are deemed to have accepted these terms of use.



Darwinsure is a trading name of Darwin Clayton (UK) Limited (Registered Number: 02783474) whose registered office is Darwin House, 20 Mount Ephraim Road, Tunbridge Wells, Kent. TN1 1ED

Darwin Clayton (UK) Limited is authorised and regulated by the Financial Conduct Authority, Firm reference 303990.

Conditions of Use

These Conditions of Use refer to the following additional terms, which also apply to your use of this website:

  • Our Privacy Policy, which sets out the terms on which we process any personal data collected from you, or that you provide to us.  By using our website you have consented to such processing and you warrant that all data provided by you is accurate.
  • Our Acceptable Use Policy which sets out the permitted uses and prohibited uses of the Website. When using the Website, You must comply with this Acceptable Use Policy.
  • Our Cookie Policy, which sets out information about the cookies on our website.


There are no charges for the use of this website.

The website and products described are intended for UK residents only, and comply with appropriate UK legislation and regulation.

Whilst we take all reasonable steps to ensure that our website is accessible between the hours of 6am and 12.59pm Monday through Saturday and between 6am and 7pm on Sundays, we will not be held liable for any losses due to our website being unavailable at any time or for any period where the cause of failure is beyond or reasonable control.

We may also have to suspend access to our website for routine emergency updates and maintenance, but we will endeavour to keep any disruption to a minimum.

We may suspend, withdraw, discontinue or change all or any part of the Website without notice.

Viruses, hacking and other offences

We do not guarantee that the Website will be secure or free from bugs or viruses.

You must not misuse our website by knowingly introducing viruses, trojans, worms, logic bombs or other material which is malicious or technologically harmful.  You must not attempt to gain unauthorised access to our website, the server on which our website is stored or any server, computer or database connected to our website.  You must not attack our website via a denial-of-service attack or a distributed denial-of service attack.

Any breach of this provision, may be a criminal offence under the Computer Misuse Act 1990.  We will report any such breach to the relevant law enforcement authorities and we will co-operate with those authorities by disclosing your identity to them.  In the event of such a breach your right to use our website will cease immediately.

We will not be liable for any loss or damage caused by a distributed denial-of-service attack, viruses or other technologically harmful material that may infect your computer equipment, computer programs, data or other proprietary material due to your use of our website or to your downloading of any material posted on it, or on any website linked to it.

Legal Exclusions and Limitations

Whilst we have taken reasonable care in the preparation of the information contained in this Website we are not liable for any errors, omissions or misleading statements and all warranties (express or implied) to the fullest extent permitted by law are hereby excluded. You acknowledge that you are solely responsible for the use to which you put this site and all results and information you obtain from it.  Except in the case of death or personal injury caused by our negligence, we exclude liability for all and any losses, or damages arising out of or in connection with the use of this website.  Also, nothing shall exclude or restrict our obligations under the Financial Services and Markets Act 2000 or any other current or future Financial Services legislation.

We do not warrant:

  • that any information contained on or acquired through our website is accurate, verified or complete.
  •  that our website is available on an uninterrupted basis.
  • that any defects will be remedied or that our website or the server that makes our website available are virus free.

Intellectual Property Rights

We are the owners or the licensees 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.

Use of the Website does not transfer any intellectual property rights to you.

You may print off one copy, and may download extracts, of any page(s) from our website for Your personal use.   You may not duplicate, transmit, distribute or circulate the contents of our website or make its contents available to any third party without our prior written permission.

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.  Our status (and that of any identified contributors) as the authors of content on the website must always be acknowledged.

You must not use any part of the content on the website for commercial purposes without obtaining a licence to do so from us or our licensors.

If you print off, copy or download any part of our website in breach of these Conditions of Use, your right to use the website will cease immediately and you must, at our option, return or destroy any copies of the materials you have made.

Links to Other Sites

Our website contains links to third party websites.  We provide these links for the convenience of visitors to our website.  We make no representation and accept no responsibility regarding the accuracy of the information contained on third party websites.

The existence of a link to another website does not constitute an endorsement of any organisation, or the services of any organisation, featured on that website. We can accept no responsibility for any loss or damage resulting from following a link featured on our website.

Uploading Content and Linking to our Website

Whenever you make use of a feature that allows you to upload content to our website, or to make contact with other users of our website, you must comply with the content standards set out in Our Acceptable Use Policy.

You warrant that any such contribution does comply with those standards, and you will be liable to us and indemnify us and keep us indemnified for any breach of that warranty.

Any content you upload to our website will be considered non-confidential and non-proprietary, and we have the right to use, copy, distribute and disclose to third parties any such content for any purpose.

We also have the right to disclose your identity to any third party who is claiming that any content posted or uploaded by you to our website constitutes a violation of their intellectual property rights, or of their right to privacy.

We will not be responsible, or liable to any third party, for the content or accuracy of any content that you post, or is posted by any other user of our website.  We have an absolute discretion to remove the contents of any post which is placed on our website.

The views expressed by other users on our website do not represent our views or values.


You will indemnify and keep us indemnified from and against all losses, costs, liabilities, expenses (including legal expenses), claims, fines that we may suffer or incur as a result of your disregard of any of the obligations expressed or implied in these Conditions of Use.   You are will be responsible for any loss or damage we suffer as a result of your breach of the Conditions of Use.

Acceptable Use Policy

You may use our site only for lawful purposes. You may not use our site:

  • to transmit, or procure the sending of, any unsolicited or unauthorised advertising or promotional material or any other form of similar solicitation (“spam”)
  • to transmit, or procure the sending of any material which is:- defamatory of any person; obscene, offensive or inflammatory; sexually explicit; promotes discrimination based on race, sex, religion, disability, or age; infringes any copyright, database right or trade mark of any other person; is likely to deceive any person; is in breach of any legal duty owed to a third party (e.g. duty of confidence); is threatening or abusive; is likely to harass, upset or embarrass any other person; misrepresents your identity; advocates or promotes any unlawful act

We will determine, in our discretion, whether there has been a breach of this Acceptable Use Policy through the use of our site. If a breach of this 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 Terms of Use and may result if our taking all or any of the following actions:

  • immediate, temporary or permanent withdrawal of your right to use our site.
  • immediate, temporary or permanent removal of any posting or material uploaded by you to our site.
  • a warning being issued to you


Unless otherwise stated, this website and its contents are the property of Darwin Clayton (UK) Limited, and may not be reproduced without permission.  Where copyright material has been reproduced from another source, we have sought the appropriate permission from the copyright owner.  Such material may not be reproduced without the permission of the holder of that copyright.

Applicable Law

This website was created in England.  Any interpretation of its content, claims or disputes (of whatever nature and not limited to contractual issues) shall be subject to the exclusive jurisdiction of the English Courts under English law.

Quick Quote Get a Quick Quote