This Disclaimer should be read and interpreted in conjunction with the AXA Provincial Pensioners Association (APPA) Privacy Policy, which explains the purpose of the Association and the operation of its website facility. This includes our Cookies Statement, which sets out information about the cookies used on our website.

These Statements can be found by clicking on the Privacy Policy button at the head and foot of each page on the website. Your use of our website constitutes your acceptance of this Disclaimer. If you do not agree to this Disclaimer, you must not use our website.

APPA takes every reasonable precaution to provide a secure online environment for the benefit of its members. However, APPA cannot under any circumstances guarantee the total security and confidentiality of any data held on the pages of the APPA website or sent to us or from us by email.

Consequently, we strongly advise that no data or information of a sensitive or confidential nature is sent by email or via the Internet. We take every reasonable precaution to keep our website free from viruses. However, you do need to check any email and any attachments as we can take no responsibility for any computer virus which might be transferred by email.

If you are not the intended recipient of an email from APPA, its committee and/or representatives, please notify the sender immediately and destroy the email and any attachment. Any use, dissemination, forwarding, printing, or copying of the information, by anyone other than the intended recipient, is strictly prohibited.

APPA hereby disclaims and excludes all liability for loss, damage or expense that may arise as a result of the unauthorised access to any data or information held on this website or transmitted or received by APPA. We may update our website and/or change the content at any time. However, we do not guarantee that our website, or any content on it, will be free from errors or omissions. Any of the content on our website may be out of date at any given time, and we are under no obligation to update it.

Where our website contains links to other websites and resources provided by third parties, these links are provided for your information only. We have no control over the contents of those websites or resources. The following of any link to an external website is entirely at your own risk, and we shall not be liable for the content of such websites. Such links should not be interpreted as endorsement by us of those linked websites.

In visiting the website you expressly acknowledge that APPA is not and cannot be held liable for the ownership, decency, reliability and integrity of the content of this website or any emails sent or received by APPA. You may not rely on any information or advice published on this website and no data hereon is provided for any specific purpose. APPA expressly forbids the transmission to it or the publishing on its website of defamatory statements (as defined in the Defamation Act 1996) in respect of which APPA may be held liable.

APPA shall not be liable for any direct, indirect, incidental, special or consequential damages arising out of the use of APPA's website and/or APPA’s email service including, without limitation, any liability or loss arising out of the downloading of any documents or images from APPA's website and no warranties are given in respect of quality or fitness for purpose of such documents or images. Although the documents and images held on or able to be downloaded from APPA's website has been checked, there may be a risk of digital damage if you download any documents or images without first checking the code for viruses and APPA cannot be held responsible or liable for any such digital damage which may occur.

If you choose to click on a link to a third party website from our website, this will direct you to a website that is not controlled by APPA. Accordingly, APPA does not endorse, adopt, certify or otherwise validate the information and material contained on the linked website. This includes its sponsor and any policies, activities or services offered on the site, by any advertiser on the site or linked to the site.

Changes to these terms

We reserve the right to revise this Disclaimer at any time by amending this page. We shall reasonably attempt to notify you of any changes to this Disclaimer at the time of your first visit to our website following such changes being made, but in any event recommend that you check this page regularly. Any changes made shall have immediate effect upon being posted to this website, and your continuing use of our website constitutes your acceptance of such amended Disclaimer.