The information, including any financial information, contained on this Website is provided for information only, and does not constitute an offer to sell (or the solicitation of an offer to purchase) any products or services. Any request by you to purchase a product or service represents an offer by you and may be accepted or rejected by POMI at our discretion and will be subject to the terms and conditions of that product or service (which should be read in conjunction with these Terms and Conditions). In the event of any conflict between these Terms and Conditions and the terms and conditions of any product or service that you apply for, the terms and conditions of that product or service shall prevail.

The following paragraphs in this General Disclaimer limit our liability to you and should be read carefully.

Notwithstanding anything else in these Terms and Conditions, nothing in the Terms and Conditions shall exclude or restrict liability that is not permitted to be excluded or restricted at law (for example death, personal injury or fraud).

While the information contained on the Website has been compiled in good faith, no representations, warranties or undertakings (express or implied) are made as to its, or the information contained within the Website’s, completeness or accuracy and the information on this Website does not necessarily represent complete descriptions of all terms, conditions and exclusions relevant to the securities, products and services detailed or referred to within this Website. Full details of any cover will be included in the policy documents that are made available to you. The reports contained on the Website are only current as of the respective date contained in the particular report. POMI makes no commitment, and disclaims any duty (whether in tort or contract), to update or correct or to provide notice as to any error or omission in any report or other information contained on the Website.

This Website contains hypertext links to other websites. The responsibility for those websites is that of the parties who are identified as providing those sites and POMI can accept no responsibility for them or their use. POMI accepts no responsibility and shall not be liable to you for the content of any other website to which a hypertext link to or from this Website exists.

POMI gives no warranties representations or undertakings (express or implied) that this Website is free of viruses or technical defects of any description or that you will have uninterrupted access to the Website or any part of it and will not be responsible for or otherwise liable to you for any technical problems arising from the use of this Website.

All information and content on the site are subject to applicable statutes and regulations, and are furnished 'as is', without representations or warranties of any kind, express or implied, including but not limited to implied warranties of merchantability, fitness for a particular purpose, or non-infringement. POMI shall not be liable (whether in negligence or otherwise) to any person for any error, omission or incompleteness in the information, or reliance on the information, on the Website, nor shall POMI be under any obligation to advise any person of any error therein. In no event shall POMI be liable to you for any loss or damages whatsoever (direct or indirect and including, without limitation, damages for loss of profits, business interruption, or loss of information) arising out of the use of or inability to access or use the Website or the information thereon, even if POMI has been advised of the possibility of such damages.

Please note that there is no guarantee that any e-mail sent to POMI will be received by POMI, or that the contents of the email will remain confidential during internet transmission.