Terms and conditions

These terms and conditions of use (the "Terms") are a legal agreement between you ("You") and Prudential Health Services Limited a company registered in England and Wales having its registered office at Laurence Pountney Hill, London, EC4R 0HH, ("Us" or "We") for the PruProtect Inheritance Tax Calculator (the "Calculator").

By accessing this Calculator, you agree to be bound by these Terms and Conditions of Use and our Privacy Policy set out below. If You do not agree to these Terms or our Privacy Policy, please do not use any part of this Calculator.

For PruProtect's Privacy policy please refer to pruprotect.co.uk/data_protection/.

  1. Use of Calculator
    • 1.1 This Calculator is intended to be used by Financial Advisers only. The results provided by this Calculator do not constitute advice, and are only intended to support and aid the protection needs discussion between a registered PruProtect Financial Adviser and their client(s).
    • 1.2 From time to time updates to the Calculator may be issued. Depending on the update, You may or may not be able to use the Calculator.
  2. License
    • 2.1 In consideration of You agreeing to abide by these Terms, we grant You a non-transferable, non-exclusive license to use the Calculator, subject to these Terms.
    • 2.2 Except as expressly set out in these Terms, You agree:
      • 2.2.1 not to copy re-publish or re-distribute the Calculator except where such copying is incidental to normal use of the Calculator, whilst operating as a Financial Adviser acting within his or her normal business activities, or where it is necessary for the purpose of back-up or operational security not copy;
      • 2.2.2 not to rent, lease, sub-license, loan, translate, merge, adapt, vary or modify the Calculator;
      • 2.2.3 not to make alterations to, or modifications of, the whole or any part of the Calculator, or permit the Calculator or any part of it to be combined with, or become incorporated in, any other programs;
      • 2.2.4 not to disassemble, decompile, reverse-engineer or create derivative works based on the whole or any part of the Calculator or attempt to do any such thing except to the extent that (by virtue of section 296A of the Copyright, Designs and Patents Act 1988) such actions cannot be prohibited because they are essential for the purpose of achieving inter-operability of the Calculator with another software program, and provided that the information obtained by You during such activities:
        • 2.2.4.1 is used only for the purpose of achieving inter-operability of the Calculator with another software program;
        • 2.2.4.2 is not unnecessarily disclosed or communicated without our prior written consent to any third party; and
        • 2.2.4.3 is not used to create any software that is substantially similar to the Calculator;
      • 2.2.5 to include our copyright notice on all entire and partial copies You make of the Calculator on any medium;
      • not to provide or otherwise make available the Calculator in whole or in part (including object and source code), in any form to any person without prior written consent from us; and
      • 2.2.6 not to provide or otherwise make available the Calculator in whole or in part (including object and source code), in any form to any person without prior written consent from us; and
      • 2.2.7 to comply with all technology control or export laws and regulations that apply to the technology used or supported by the Calculator.
      • 2.2.8 not use the Calculator in any unlawful manner, for any unlawful purpose, or in any manner inconsistent with these Terms or act fraudulently or maliciously, for example, by hacking into or inserting malicious code, including viruses, or harmful data, into the Calculator or any operating system;
      • 2.2.9 not infringe our intellectual property rights or those of any third party in relation to Your use of the Calculator;
      • 2.2.10 not transmit any material that is defamatory, offensive or otherwise objectionable in relation to Your use of the Calculator;
      • 2.2.11 not use the Calculator in a way that could damage, disable, overburden, impair or compromise our systems or security or interfere with other users; and
      • 2.2.12 not collect or harvest any information or data from any service or our systems or attempt to decipher any transmissions to or from the servers running any service.
  3. Intellectual Property
    • 3.1 You acknowledge that all intellectual property rights in the Calculator, the documents and the technology anywhere in the world belong to us, that rights in the Calculator are licensed (not sold) to You, and that You have no rights in, or to, the Calculator, the documents or the technology other than the right to use each of them in accordance with the Terms.
    • 3.2 You acknowledge that You have no right to have access to the Calculator in source-code form.
  4. Content of Calculator
    • 4.1 Whilst considerable care has been taken to ensure the information contained within this Calculator is accurate and up to date, no warranty is given as to the accuracy or completeness of any information and no liability accepted for loss, damages or expenses which You may suffer or incur directly or indirectly through Your access and use of this Calculator.
  5. Termination
    • 5.1 PruProtect reserves the right to terminate access to all or part of the Calculator’s services with or without notice. Following termination of these Terms:
      • 5.1.1 You must immediately cease all activities authorised by these Terms; and
      • 5.1.2 You must immediately delete or remove the Calculator from all devices, and immediately destroy all copies of the Calculator and documents then in Your possession, custody or control and certify to us that You have done so.
  6. Variation
    • 6.1 PruProtect may change the Calculator or delete features in any way, at any time and for any reason. All products referred to in the Calculator are subject to change without notice.
    • 6.2 Any enhancements to the Calculator is subject to these standard terms and conditions. PruProtect reserves the right to modify or withdraw any feature at any time its sole discretion.
  7. Liability
    • 7.1 PruProtect accepts no responsibility for the appropriateness of the inheritance tax amounts provided by this Calculator in respect of a client.
    • 7.2 You acknowledge that the Calculator has not been developed to meet Yours or Your client's individual requirements, and that it is therefore Your responsibility to ensure that the facilities and functions of the Calculator meet Your or Your client's unique requirements.
    • 7.3 You further acknowledge, that should Your data connection fail for any reason during use of the Calculator, PruProtect accepts no responsibility for any downtime or other loss that may be incurred during such connection failure.
    • 7.4 The Calculator may contain links to other independent third-party websites ("Third-party Sites"). Third-party Sites are not under our control, and we are not responsible for and do not endorse their content or their privacy policies (if any). You will need to make Your own independent judgment regarding Your interaction with any Third-party Sites, including the purchase and use of any products or services accessible through them.
  8. Contact
    • 8.1 If You need support or assistance regarding the use of the Calculator, please email: feedback@pruprotect.co.uk
    • 8.2 If You wish to contact us in writing, or if any condition in these Terms requires You to give us notice in writing, You can send this to us by e-mail to feedback@pruprotect.co.uk. We will confirm receipt of this by contacting You in writing, normally by e-mail.
    • 8.3 If we have to contact You or give You notice in writing, we will do so by e-mail or by pre-paid post to the address You provide to us in Your request for the Calculator.
  9. Force Majeure
    • 9.1 We will not be liable or responsible for any failure to perform, or delay in performance of, any of our obligations under these Terms that is caused by any act or event beyond our reasonable control.
    • 9.2 If an event outside our control takes place that affects the performance of our obligations under these Terms, our obligations under these Terms will be suspended and the time for performance of our obligations will be extended for the duration of the event outside our control.
  10. General
    • 10.1 You may only transfer Your rights or obligations under these Terms to another person if we agree in writing.
    • 10.2 If we fail to insist that You perform any of Your obligations under these Terms, or if we do not enforce our rights against You, or if we delay in doing so, that will not mean that we have waived our rights against You and will not mean that You do not have to comply with those obligations. If we do waive a default by You, we will only do so in writing, and that will not mean that we will automatically waive any later default by You.
    • 10.3 Each of the conditions of these Terms operates separately. If any court or competent authority decides that any of them are unlawful or unenforceable, the remaining conditions will remain in full force and effect.
    • 10.4 Please note that these Terms, its subject matter and its formation, are governed by English law. You and we both agree that the courts of England and Wales will have non-exclusive jurisdiction.

PruProtect is a trading name of Prudential Health Services Limited. Prudential is a trading name of The Prudential Assurance Company Limited. The Prudential Assurance Company Limited, registration number 00015454 is the insurer that underwrites the PruProtect plan. Prudential Health Services Limited, registration number 05933141 arranges and administers PruProtect plans underwritten by The Prudential Assurance Company Limited.

Registered offices at Laurence Pountney Hill, London EC4R 0HH. Registered in England and Wales.

Prudential Health Services Limited is authorised and regulated by the Financial Conduct Authority. The Prudential Assurance Company Limited is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority.

None of the companies are affiliated in any manner with Prudential Financial, Inc, a company whose principal place of business is in the United States of America.