Website Terms of Use

Introduction and Acceptance

Welcome to the Property Initiatives Underwriting Agency (PIUA) Web site. This is an important notice to all users. Your use of this site is subject to the following terms and conditions and by proceeding forward and using the web site you are agreeing to be legally bound by these terms and conditions. Please read them carefully. Unless you agree to these terms and conditions please do not proceed further though this site. Nothing in these terms and conditions affect your statutory rights.


PIUA will not be liable to you for direct, indirect or consequential damage or any damage whatsoever, arising from breach of contract, misrepresentation, negligence or otherwise incurred by you as a result of your use of this site or in connection with the use of any information, materials, software or services provided on or through this site, or your inability to use this site, any error in the provision of the site or any computer virus transmitted through this site.

"As Is" Clause

Save as is expressly provided, PIUA does not give any warranties as to the accuracy, truth or completeness of the information available through this site. The information and services are offered "as is". Further, no warranty, guarantee or representation whether express or implied, is made as to the availability of this site, in it's current or amended form, at this or any other domain name or that it's use will be error, bug or virus free.

Viruses and Compatibility

PIUA does not give any warranty that this site or any information downloaded from it, is free from viruses or defects. You should ensure that you have the appropriate anti-virus software installed upon your system to detect and prevent infection from these sources. It is your responsibility to ensure that your computer system has the necessary specification to enable you to use this site.

Use of Information

By accepting these terms and continuing to use this site you are giving authority to us, and our sub-contractors, to use the information supplied by you for the purpose of providing and supporting the services offered through this site. We will use the information provided by you in accordance with the terms of the Data Protection Act 1998. For further information concerning your rights under this Act you can access the Data Protection Registrar website at


The content of this site is, unless otherwise stated, the property of PIUA and contains confidential information of PIUA and is therefore protected by international copyright laws. All rights in respect of that copyright are reserved. You shall take all reasonable steps to protect PIUA's copyright and confidential information in the web site. No part of the web site may be copied or reproduced by you save for the temporary copies made for the purpose of downloading the web site. You are not authorised to distribute, display, alter, modify or reproduce the web site or any part of it without the prior written consent of PIUA.


Sites which you link to through this site (including, without limitation, any site provided by a third party but branded as a PIUA site) are independent to this site and PIUA does not exercise any control over them. PIUA makes no representations as to the security or propriety of any website that may be accessed through this site. PIUA does not accept any liability whether contractual or otherwise, in respect of your use or inability to use any linked site or in respect of the content of such sites. You may not, without the written consent of PIUA, create a link from or to this site.


PIUA will endeavour to make available to you the web site but PIUA cannot, and does not, guarantee the continuous operation of the web site free from interruptions or errors.

Modification of Site

PIUA may alter the content of the web site at any time without prior notification to you. PIUA may also amend or vary the products and services detailed on the web site and/or the fees payable without prior notification to you.

Amendment of Terms

PIUA reserves the right to amend these terms and conditions. Notification of the changes to the terms and conditions will be posted on the web site. Thereafter your use of the site will be subject to the revised terms and conditions. If upon reading the revised terms and conditions you do not wish to be bound by them, then immediately discontinue your use of the web site.

Right to Refuse

The web site and the services contained therein constitute an invitation to treat. Accordingly PIUA reserves the right to decline applications and/or proposals submitted through the web site.

Severence of Clauses

If any of the provisions of these terms and conditions are found to be unenforceable, invalid or illegal it shall be divisible from these terms and conditions and shall be deemed to be deleted from these terms and conditions. The remaining provisions shall continue to apply.


This site provides services only in respect of properties located within England, Scotland, Wales or Northern Ireland. These terms and conditions shall be governed by and construed in accordance with the laws of England whose courts shall be the courts of exclusive jurisdiction.

Entire Agreement

There may be other terms and conditions on pages of the web site which relate to your use of that part of the web site. These terms together with any others displayed on the web site constitute the entire agreement between the parties. No representations or warranties have been made other than those expressly provided for in this terms and conditions.