Disclaimer As coverdirect.net is a trading name of Grundy Mack plc by transacting business through this site you will be subject to the Grundy Mack plc disclaimer terms. Grundy Mack plc's services are supplied at the request by you. By accessing and using Grundy Mack plc, you signify your acceptance of the terms and conditions of Grundy Mack plc and their Terms of Business. Grundy Mack plc is authorised and regulated by the Financial Services Authority (FSA). The FSA does not currently regulate mortgages, deposit accounts, general and medical insurance and some protection insurance. Grundy Mack plc is also a member of the General Insurance Council. (GISC). Please note that when you enter this Site you accept, without limitation or qualification the terms and conditions set out below and any additional terms. Grundy Mack plc is located at: 1 Vogans Mill Wharf, Mill Street, London SE1 2BZ  Tel 0207 252 1414 Accuracy of information All reasonable efforts have been taken to ensure that the information contained on the Grundy Mack plc site is accurate. However Grundy Mack plc does not warrant that the information is complete or accurate. You acknowledge and accept that some information is supplied by a third party, Grundy Mack plc has no control over the accuracy and completeness of third party information and assumes no responsibility in respect of such information. Accuracy of information is based on our understanding of current legislation and Inland Revenue practice which may vary in the future. Grundy Mack plc reserves the right to suspend or withdraw the pages of this site without any notice and accepts no responsibility regarding its availability. By accessing this web site, you are deemed to have accepted, and agreed to be bound by these Terms and Conditions, which shall be governed by English law and any disputes shall be subject to the exclusive jurisdiction of the English Courts. Advice The information, services, systems and data published are for general information only and should not be construed as advice under the Financial Services Act 1986.You should always take the appropriate legal advice before you enter into a binding agreement. If you require financial advice you are strongly advised to seek independent financial advice. For your information we would like to draw your attention to the following investment warnings. The price of funds, units and income can go down as well as up, investors may not get back the amount they originally invested. Past performance is not necessarily a guide to future performance. Where the information consists of pricing or performance data, the data contained therein has been obtained from sources believed to be reliable.   Security You are responsible for the security of your ID and password. It is your responsibility to prevent any unauthorised use. If you suspect any breach of security of your user name you should contact Grundy Mack plc immediately. Please note, whilst every effort is made to ensure that information is private to you, the internet is a new and open system, therefore we cannot guarantee that the information you have entered will not be intercepted by others. We shall use our reasonable endeavours to ensure that the information on the Site is secure and shall take all reasonable precautions to prevent unauthorised access to such information or the destruction of information and/or any computer and/or system by means of any virus or bug. You acknowledge that the security of information supplied by these means and immunity from any virus or bug cannot be guaranteed. We assume no liability for direct or indirect losses arising from the supply or lack of supply of all or part of the information, or the existence or absence of all or part of the information or the security or lack of security in respect of the information or any of it or the existence of any bug or virus. Under no circumstance shall we be liable for any consequential, direct, incidental, indirect, punitive or special damages related to (a) the use of (b) the inability to use or (c) errors or omissions in the contents and functions of the information. In any event, our aggregate liability for any loss shall not exceed £100 We are not offering and shall not offer financial advice to you or anyone accessing the information. While reasonable care is taken in the compilation of the information we make no representations or warranties of any kind whatsoever (a) for the accuracy, fitness for a particular purpose or non-infringement of any content published on or made available through the Site (b) that the server that makes the Site available is free of viruses or other components that may infect harm or cause damage to your computer equipment or any other property when you access, browse and download from or otherwise use the Site. Privacy There is no guarantee that any e-mail sent to Grundy Mack plc will be received by us, or that the contents of the e-mail will remain private during the transmission. Should you have any concerns regarding privacy, please write or phone.   Hardware Grundy Mack plc accepts no liability for any problems with your hardware as a result of a transmission over the internet. If you are in any doubt as to the suitability of your hardware you should consult a specialist first. Using the service The Site is only for your personal use. You may not distribute, exchange, modify, sell or transmit anything you copy from the Site, including but not limited to any text, images, audio and video, for any business, commercial or public purpose. As long as you comply with these Terms and Conditions of Use we grant you a non-transferable, limited right to enter and use the Site. We may add to, change or remove any part of these Terms and Conditions of Use at any time, without notice. Any changes to these Terms and Conditions of Use or any terms posted on this Site apply as soon as they are posted. By continuing to use the Site after any changes are posted you are indicating your acceptance of those changes.   Data Protection Act If you wish to take up your statutory rights under the Data Protection Act, relating to information held about you by Grundy Mack plc, please write to the Data Protection Officer 1 Vogans Mill Wharf, Mill Street, London SE1 2BZ Tel 0207 252 1414 Your Agreement By using this site, you agree to the use and collection of information that you supply Grundy Mack plc Ltd for the purposes of providing information and administration services relating to employee benefits.