Our Terms and Conditions
TERMS AND CONDITIONS

AFTERLIFE LETTERS has designed a range of services to provide our customers with the flexibility to choose the package that suits them best in terms of price and service offering.

Before you use our service, we ask that you read these Terms and Conditions (“TERMS”).

By using our service, you agree to our Terms and Conditions.

Our Services
AFTERLIFE LETTERS provides email and postal based insurance information and data services. The Service may also include access to products and services of independent third parties. After complete registration and payment, you will be permitted to access your personal account and use the Service you have chosen.

Registration and Access to the Service
(a) Access to the Service. In order to use the Service you must subscribe and agree to be bound by these Terms and Conditions.

(b) Contracts for our Service. The contract for the ongoing Subscription Service between you and AFTERLIFE LETTERS shall begin when AFTERLIFE LETTERS, upon your request, has provided you with access to the Service (such access may be based on a personal username and password generated for that purpose or on other data that AFTERLIFE LETTERS deems sufficient for your identification).

The subscription period is one month or one year depending on the type of the subscription contract. The Subscription contract and the subscription period will be renewed each month or year as applicable and a new subscription fee shall become due for the new subscription period. The subscription contract shall remain in effect until terminated and/or canceled by you or AFTERLIFE LETTERS according to Section 8 of these Terms. Contracts for the products and services of AFTERLIFE LETTERS and independent third parties which are made available through the Service shall begin when AFTERLIFE LETTERS or the third party has accepted your order for the same or has provided you with the service pursuant to your order. The contract will remain in effect until terminated by you or AFTERLIFE LETTERS according to Section 8 of these Terms.

(c) Responsibility for the Use of the Service. You are fully responsible for all activities that occur under your password or account or through your Subscription. That responsibility includes, but is not limited to, the responsibility for any fees for the use of the Service or any services made available through the Service. You agree to notify AFTERLIFE LETTERS immediately in case you become aware of or suspect unauthorised use of your password or account or Subscription or any other breach of security, and to ensure that you log out of your account at the end of each session. AFTERLIFE LETTERS cannot and will not be liable for any loss or damage arising from your failure to comply with this Section. You acknowledge and agree that you will not use the Service for any commercial purposes.

(d) Registration and Registration Data. Upon your request, AFTERLIFE LETTERS will register you as a user and provide you with access to the Service by allocating you a personal username and password. AFTERLIFE LETTERS may need to change usernames allocated to certain aspects of its Services and reserves the right to do so (you will be informed if this is necessary). The same procedure may apply to services made available through the Service. You are solely responsible for maintaining the confidentiality of any possible password and account. In exchange for your use of the Service (in addition to the payment of applicable fees) you agree to: (a) provide true, accurate and complete information about yourself as prompted by the registration form ("Registration Data") and (b) maintain and promptly update the Registration Data to keep it true, accurate, current and complete. If AFTERLIFE LETTERS has reasonable grounds to suspect that the Registration Data is untrue, inaccurate or incomplete, AFTERLIFE LETTERS has the right to suspend or terminate your account and refuse any and all current or future use of the Service (or any portion thereof). Prior to any such withdrawal AFTERLIFE LETTERS shall temporarily withdraw the Service and notify you of the grounds on which the Service has been withdrawn. If the position has not been rectified within 14 working days of the notice such withdrawal will be made permanent.

(e) Assignment. You may not assign or transfer in any other way the contract or any of your contractual rights. AFTERLIFE LETTERS shall have the right to assign its rights and obligations under this contract and any receivables based on this contract to a third party upon written notice to you, provided such assignment is made under terms not less favorable to you than those in these TERMS. After a notice concerning the transfer of receivables, payments shall be valid only when made to the new service provider.

(f) Contracts for Products and Services of Third Parties. The Service may also include access to products and services of independent third parties either directly or via links to sites operated by such third parties. Where reasonably possible, AFTERLIFE LETTERS shall indicate the products and services as third party content. Even though they may be co-branded with AFTERLIFE LETTERS and therefore include AFTERLIFE LETTERS' trademarks, the contracts for products and services provided by third parties are concluded directly between you and the third party. AFTERLIFE LETTERS will not be a party to, or in any way responsible for, any transaction concerning products or services made available from such third parties or for any content or information presented in connection with any products or services of third parties.

Disclaimer of Warranties and Limitation of Liabilities
You understand that your use of the Service is at your own sole risk and that you must comply with the instructions given by AFTERLIFE LETTERS.

Except in jurisdictions where such provisions are restricted, You agree that AFTERLIFE LETTERS' entire liability to you or any third person, and your or any third person's exclusive remedy, in law, in equity, or otherwise, with respect to the service(s) provided under this Agreement and/or for any breach of this Agreement is solely limited to the amount you paid for such service(s) during the term of this Agreement. Except in jurisdictions where such provisions are restricted, AFTERLIFE LETTERS, its licensors and contractors (including any third parties providing all or part of the services) shall not be liable for any indirect, incidental, special or consequential damages. Even if AFTERLIFE LETTERS has been advised of the possibility of such damages, to the extent that a country does not permit the exclusion or limitation of liability as set forth herein, AFTERLIFE LETTERS' liability is limited to the extent permitted by law in such Country.

Indemnification
You agree to indemnify and hold AFTERLIFE LETTERS, its parent company, subsidiaries, affiliates, officers, agents, directors, contractors, licensors and other partners and employees, harmless from any loss, liability, claim, or demand, including reasonable attorney's fees, made by any third party due to or arising out of or in connection with (a) your use of the Service, and (b) the breach by you of your representations and warranties set forth herein.

Intellectual Property Rights
Except as otherwise set forth herein, all right, title and interest in and to any intellectual property, proprietary rights or other rights related to intangible property which are used, developed, comprising, embodied in, or practiced in connection with any of the Service ("Company Intellectual Property Rights") are owned by AFTERLIFE LETTERS or its licensors, and you agree to make no claim of interest in or ownership of any such Company Intellectual Property Rights. You acknowledge that no title to the Company Intellectual Property Rights is transferred to you, and that you do not obtain any rights, express or implied, in the Service, other than the rights expressly granted in this Agreement.

Charges
(a) Fees. The monthly and annual fees for the Subscription Service are available at AFTERLIFE LETTERS' web site. The monthly/annual fee shall be charged for every subscription period the contract is in effect. You shall pay AFTERLIFE LETTERS for the Services and the use thereof in accordance with the price lists in force at the time of your order. Unless otherwise indicated, the charges shall be billed according to the billing method agreed upon by you. The different payment methods are specified during the order process for the service you choose. AFTERLIFE LETTERS may also invoice you for the charges of third parties whose products or services are available through the Service if this has been agreed upon with said third party. Such charges shall be invoiced in accordance with the fees of such third parties.

(b) Fee Changes. All fees, including fees for existing subscription contracts, are subject to change upon notice from AFTERLIFE LETTERS. AFTERLIFE LETTERS will provide you with reasonable notice of such change. If you do not accept the new fees (which will be applicable on a prospective basis only), you may cancel your subscription and/or your account effective immediately upon termination.

(c) Late Payments. Any past due unpaid amount shall bear an annual interest of four percent (4%) or the highest interest allowed by applicable law, whichever is lower.

Termination and Cancellation of Services; Right to withdraw
The termination shall become effective immediately upon receipt of termination request.

You agree that AFTERLIFE LETTERS may at any time terminate your use of the Service or individual services provided via the Services and remove and discard any content within such services, if AFTERLIFE LETTERS believes that you have violated or acted inconsistently with these TERMS. You agree that upon termination of your access to the Service under any provision of these TERMS, AFTERLIFE LETTERS may immediately deactivate or delete your account and all related information and files in your account and/or bar any further access to such files or the Service. Further, you agree that AFTERLIFE LETTERS shall not be liable to you or any third party for any termination of your access to the Service. If you cancel your account or subscription for any reason, AFTERLIFE LETTERS will not refund any of your fees paid to date, except as provided in provision 2 of these TERMS.

Miscellaneous Provisions
(a) Notices and Announcements. Except as expressly provided otherwise herein, all notices to AFTERLIFE LETTERS shall be in writing and delivered to the following address:

47 Richmond Hill
Richmond
Surrey
TW10 6RE

AFTERLIFE LETTERS shall serve notices related to this contract by posting them on our web site or by sending them to the postal address or e-mail address you have given to AFTERLIFE LETTERS. Notices sent by mail shall be deemed received seven days after they were sent. Notices posted on AFTERLIFE LETTERS' Web site or sent by e-mail shall be deemed received on the weekday following the day when they were posted or sent.

(b) Changes of TERMS. You understand and agree that this Agreement is subject to change by AFTERLIFE LETTERS at any time. Changes will become effective upon posting of same to the website. Any use of the service after such posting shall constitute acceptance of such changes by you.

(c) Other terms, entire agreement. These TERMS are in addition to any AFTERLIFE LETTERS or third party terms and conditions applicable to products and services, which may be posted in connection with such products and services ("Specific Terms"). In case of any discrepancy between the TERMS and such Specific Terms, the latter shall prevail. These TERMS and any other terms or documents referred to herein represent your entire agreement with AFTERLIFE LETTERS with respect to your use of the Service. You understand and agree that, except as expressly set forth herein, this Agreement is not intended to confer and does not confer any rights or remedies upon any person other than the parties to this Agreement.

(d) Severablity. If any part of this Agreement is held invalid or unenforceable, that portion shall be construed in a manner consistent with applicable law to reflect, as nearly as possible, the original intentions of the parties, and the remaining portions shall remain in full force and effect.

(e) Waiver. AFTERLIFE LETTERS' failure to pursue any available claim or defense pursuant to this Agreement or otherwise will not be a waiver of such claim or defense. The headings used in this Agreement are for convenience only, and will have no effect on the interpretation or legal enforceability of the terms herein.

(f) Headings. The section headings appearing in this Agreement are inserted only as a matter of convenience and in no way define, limit, construe or describe the scope or extent of such section or in any way affect such section.

(g) Governing Law and Jurisdiction. This Agreement and your use of the Website and Service shall be governed and construed in accordance with the laws of the United Kingdom. You further agree that for any matter arising out of or pertaining to this Agreement venue shall be proper in courts and legal tribunals located in London, UK.