General

The website http://www.morethanlegaldocs.com ("the MORE TH>N Legal Website") is provided by Epoq Legal Ltd (registered number 3707955) whose registered office is at Middlesex House, 29-45 High Street, Edgware, Middlesex, HA8 7UU ("ELL") on behalf of MORE TH>N and the services offered on the MORE TH>N Legal Website are provided by the Service Providers set out below.

"MORE TH>N" is a trading name of Royal & Sun Alliance Insurance Plc registered number 93792 whose registered office is at St. Mark's Court, Chart Way, Horsham, West Sussex RH12 1XL.

Set out here are the terms and conditions ("the Conditions") that govern your use of the MORE TH>N Legal Website, and the services provided or offered to users of the MORE TH>N Legal Website ("User Services"). The Data & Privacy Policy as detailed on the MORE TH>N Legal Website forms a part of these terms and conditions. It is important that you read and understand these terms and conditions before you start to use the MORE TH>N Legal Website. We reserve the right to change the Conditions. We recommend that you visit this page each time you visit the MORE TH>N Legal Website to ensure that you are aware of and are complying with any changes that we have made. You can print and keep a copy for your reference. By using the MORE TH>N Legal Website you indicate that you accept and agree to be bound by the then current version of the Conditions.

Reference to "our" and "we" on the MORE TH>N Legal Website is a reference to ELL.

A reference to the "chosen jurisdiction" is a reference to the jurisdiction chosen by you during the document selection process.

The Conditions (and all communications) are in English and are governed by, and will be construed in accordance with, English law, and the English courts shall have jurisdiction in any legal proceedings. We retain the right to bring proceedings against you for breach of the Conditions in your country of residence or any other relevant country.

Using the MORE TH>N Legal Website

The MORE TH>N Legal Website is for use by United Kingdom residents only.

The content of the MORE TH>N Legal Website is provided for information only, and does not constitute advice nor a recommendation to you that the products and services advertised on the MORE TH>N Legal Website are suitable for you in your personal circumstances.

Reasonable efforts will be made to keep the MORE TH>N Legal Website available for use; however, access is not guaranteed to be available all the time. We will not be liable for any damage or loss (which we are permitted to limit by law) due to any delays, disruptions or unavailability (howsoever caused) of the MORE TH>N Legal Website.

Due to the nature of the internet and the possibility of third party interference, the MORE TH>N Legal Website is not guaranteed to be free of technical defects of any description (including but not limited to viruses, worms or trojan horses) or any forms of computer misuse (including but not limited to hacking). We will not be liable for any damage or loss caused to you by your use of the MORE TH>N Legal Website, resulting from any third party interference with the MORE TH>N Legal Website. You acknowledge that you are responsible for taking back up copies of your data and taking appropriate precautions to protect your computer systems against technical defects, viruses or computer misuse. We will not be liable for any loss or damage caused by a distributed denial-of-service attack, viruses or other technologically harmful material that may infect your computer equipment, computer programs, data or other proprietary material due to your use of the Website or to your downloading of any material posted on it, or on any website linked to it.

If there are links from the MORE TH>N Legal Website to other websites operated by third parties, we do not guarantee that you will be able to access the other website via any link on the MORE TH>N Legal Website. We do not endorse or guarantee the accuracy of the content of any third party's website, nor do we accept any responsibility for your use of that website. We will not be liable for any damage or loss (which we are permitted to limit by law) due to any unavailability of, or caused by third party interference with, a third party website.

We reserve the right to withdraw or amend the services we provide on the MORE TH>N Legal Website without notice. From time to time, we may restrict access to some parts, or all, of the MORE TH>N Legal Website.

We aim to update the MORE TH>N Legal Website regularly and keep the content materially up to date at all times. We may change the content at any time and accept no liability in the event that any of the material on the MORE TH>N Legal Website may be out of date at any given time.

You must not misuse the MORE TH>N Legal Website by knowingly introducing viruses, trojans, worms, logic bombs, keystroke loggers, spyware, adware or any other harmful programs or similar computer code designed to adversely affect the operation of any computer software or hardware. You must not attempt to gain unauthorised access to the MORE TH>N Legal Website, the server on which the MORE TH>N Legal Website is stored or any server, computer or database connected to the MORE TH>N Legal Website. You must not attack the MORE TH>N Legal Website via a denial-of-service attack or a distributed denial-of-service attack. You must not use the MORE TH>N Legal Website in any way that breaches any applicable local, national or international law or regulation, or which is in any way unlawful or fraudulent, or has any unlawful or fraudulent purpose or effect. You must not use the MORE TH>N Legal Website to transmit, or procure the sending of, any unsolicited or unauthorised advertising or promotional material or any other form of similar solicitation (spam).

You are responsible for making all arrangements necessary for you to have access to the MORE TH>N Legal Website. You are also responsible for ensuring that all persons who access the MORE TH>N Legal Website through your internet connection are aware of these terms, and that they comply with them.

Subscribing for User Services

You must be a United Kingdom resident and aged 18 years or over to use the User Services.

If you purchase MORE TH>N Legal Services, you will receive a Username (also called 'password 1' or 'primary password') and Password (also called 'password 2' or 'secondary password') to access a non-public area of the MORE TH>N Legal Website ("User Area") where you can access User Services.

The User Services are for your personal use only (except on behalf of a spouse, civil partner or partner in respect of the Wills service). You shall not permit any other party to have access to the User Area or to use the User Services. If you breach this term, we can, without notice, revoke your Username or Password or refuse access to all or any part of the MORE TH>N Legal Website.

If you do not renew your policy in respect of MORE TH>N Legal Services for whatever reason, then we will end your access to the MORE TH>N Legal Website.

Who provides the User Services?

Service Providers are responsible for the service that they provide to you, including any advice that you may receive from them.

User Services, which are provided on the Service Providers' own terms and conditions, are currently provided by the following Service Providers:

1. The Law Guide, Web and Telephone Legal Document Preparation Service, and the Technical Support Helpline:

Epoq Legal Ltd (registered number 3707955) registered office Middlesex House, 29-45 High Street, Edgware, Middlesex, HA8 7UU ("ELL") Financial Conduct Authority number 539914, VAT number 247 9946 45.

2. Lawyer Review of documents created using the Document Preparation Service.

MyLawyer Solicitors LLP is a limited liability partnership registered in England and Wales under number OC376661 and whose registered office is at Middlesex House, 29-45 High Street, Edgware, Middlesex, HA8 7UU. MyLawyer Solicitors LLP is authorised and regulated by the Solicitors Regulation Authority. Its SRA number is 569955.

The Service Providers may change from time to time to help maintain or improve the User Services.

Any claim in respect of breach of contract or for negligence or in any other way for the provision or failure to provide a User Service, shall be made against the applicable Service Provider.

3. Website Access facility

We have a facility that enables us to access your account, or any Documents you have created or started, and perform actions as if we were you. We will only ever use that facility when it is necessary in order to action a support request that you have made to us, whether by email or by telephone. You consent to us using this facility in this way when you accept the Conditions. By accepting the Conditions, you also agree to comply with the instructions we may give you to ensure that the use of this facility is effective. For the avoidance of doubt, we shall not ever, unless you are on a telephone call with us at the time and specifically provide your consent, use this facility to accept any contractual terms or other legal acknowledgements, or to make any payments, on your behalf.

User services

The User Services currently available to MORE TH>N Legal Services customers are detailed on the MORE TH>N Legal Website.

The Law Guide

The information contained in the online Law Guide and documents is for guidance and information only and is not to be construed as advice.

Although every effort is made to ensure that the online Law Guide is accurate and reflects the law at the time of use, it may or may not reflect current events or changes in the law. Before you act or rely on the Law Guide, you should take advice. We and MORE TH>N disclaim all liability for actions taken or not taken based on the Law Guide.

Document Preparation Service

The document preparation service ("the Document Preparation Service") does not provide legal advice nor represent a legal service. It is designed:

The Document Preparation Service uses a document assembly and drafting system ("the System").

When using the Document Preparation Service, you will be asked a series of questions; the answers you give will dictate the content of the Document produced by the System. You alone are responsible for ensuring the answers or any information that you give are correct (this includes information in relation to the identity of any parties or signatories, their age or capacity). We rely on you providing the correct information.

You must carefully check that the Document produced fully reflects your wishes. If it does not, you should not execute it.

It is your responsibility to ensure that any Document is properly executed in accordance with the instructions that are provided to you, and, if any person or entity that is to sign it is outside the chosen jurisdiction, it is your responsibility to ensure that any Document is properly executed in accordance with the requirements of that jurisdiction where those requirements prevail.

Documents are prepared in accordance with the law of the chosen jurisdiction. You should not use them in any other jurisdiction, or if the property the Document deals with is outside the chosen jurisdiction.

All documents should be used in conjunction with proper advice as to their suitability for your particular requirements and circumstances. We cannot be responsible if you use a Document, or alter or amend it, without seeking proper advice.

We disclaim all liability for actions taken or not taken based on a Document.

We recommend that before reusing a Document you check the Website to ensure that you have the latest version. If we have replaced it with a revised version, we recommend that you upgrade to the latest version.

Documents completed online will be stored on the MORE TH>N Legal Website for the duration of the period of your legal expenses cover. Upon termination of your cover, any documents held in the document store will be deleted promptly. Any documents created and/or stored on or offline will cease to function following termination of the policy.

We will not have any responsibility or liability for:

Where the Document is a Will, a trust or a power of attorney

Where the Document is a Will or a trust we will provide them only in accordance with the law of the chosen jurisdiction.

There is no obligation or duty to supervise the execution of any Will or to take responsibility for the Will being correctly executed. You will be provided with instructions on how to sign the Will in accordance with the law of the chosen jurisdiction.

With respect to a Will, we have no responsibility and will accept no liability for verifying:

  1. the identity of the testator
  2. that the testator is over 18 years of age
  3. the testamentary and/or mental capacity of the testator
  4. whether the testator or any other person was subject to any undue influence when using the Document Preparation Service
  5. whether the testator knew, understood and approved the contents of their Will
  6. whether there were or might be any actual or potential third-party beneficiary(ies) who might have a claim in law against the estate.

With respect to a power of attorney, we have no responsibility and will accept no liability for verifying the capacity of the donor or whether the donor was subject to any undue influence when using the Document Preparation Service.

We do not assume any responsibility nor will we accept liability for failing to provide later advice on the terms of any Will or trust prepared using the Document Preparation Service should future taxation changes or any other changes in the law render their terms inappropriate. The responsibility for future reviews of the terms of your Will or trust rests with you.

Document packs

A document pack consists of access to a range of Documents that may be created using the Document Preparation Service. The details of what is included in the pack will be outlined on the Website.

Legal Document Review

The Legal Document Review service is provided by MyLawyer Solicitors LLP.

It is provided only as part of a Limited Engagement.

Where you have purchased a service that incorporates Legal Document Review, you must, once you have drafted a Document using the Document Preparation Service, send it electronically using the MORE TH>N Legal Website for review by MyLawyer Solicitors LLP as directed on the MORE TH>N Legal Website. MyLawyer Solicitors LLP may contact you by telephone or email to clarify your requirements.

When MyLawyer Solicitors LLP advise you on the preparation of any Document, they will exercise reasonable care in the provision of this service to you in accordance with their engagement letter. They will perform their work as quickly as is reasonably possible, but they will not be liable in respect of any failure to meet any specified deadline or completion date.

If amendments are required to your document that need advice from a solicitor, or you request such advice, then you may be referred to a firm of solicitors on the basis of that firm's location and ability to handle that type of work. You will have no financial obligation to the firm of solicitors unless you wish formally to instruct them.

NOTICE OF DISCLAIMER RELATING TO ADVICE: FOR THE AVOIDANCE OF DOUBT ANY ADVICE YOU RECEIVE IS THE RESPONSIBILITY OF THE PARTY ADVISING YOU WHETHER THAT IS MYLAWYER SOLICITORS LLP OR ANY OTHER PARTY AND NEITHER MORE TH>N OR ELL WILL BE RESPONSIBLE OR LIABLE FOR SUCH ADVICE.

A Limited Engagement is so called because there are limitations on the work that MyLawyer Solicitors LLP will do, as follows:

What MyLawyer Solicitors LLP will do

The scope of their work is:

To that intent, MyLawyer Solicitors LLP shall:

What MyLawyer Solicitors LLP will not do

MyLawyer Solicitors LLP will not have responsibility for, and exclude liability for:

Work outside the scope of the Limited Engagement

If MyLawyer Solicitors LLP at any time, consider that it will be impractical or inappropriate to continue their work on the basis of the Limited Engagement, or that any work you want them to do falls outside the scope of the Limited Engagement, they will tell you straightaway and discuss with you your options.

If you do not use the Legal Document Review service within 12 months of purchase you will not be able to obtain access to it thereafter. In such circumstances we shall not have any obligation to rebate you any part of the sum you have paid us.

Fair use policy

MyLawyer Solicitors LLP will aim to complete a Limited Engagement quickly and efficiently. They expect that in most cases the work that they undertake as part of a Limited Engagement will take no more than one hour in total. They reserve the right to manage a Limited Engagement to ensure that, so far as possible, that expectation is fulfilled.

What this means in practice is as follows:

Solicitor/client relationship

No solicitor/client relationship is established by use of the MORE TH>N Legal Website. Sending or receiving information through the MORE TH>N Legal Website does not establish a solicitor/client relationship. MyLawyer Solicitors LLP will, where applicable, establish a solicitor/client relationship with you only by your express or implied acceptance of their engagement letter and their confirmation of their agreement to act for you after conflict checking and other verification processes have been completed.

Limitations

The following provisions set out our and MORE TH>N's entire financial liability (including any liability for the acts or omissions of our or their employees, agents and sub-contractors) to you in respect of:

  1. any breach of the Conditions;
  2. any representation, statement or tortious act or omission (including without limitation negligence) arising under or in connection with the Conditions, the MORE TH>N Legal Website or the User Services.

Except as expressly and specifically provided in the Conditions, all warranties, conditions and other terms implied by statute or common law are, to the fullest extent permitted by law, excluded from the Conditions.

Nothing in the Conditions shall exclude or limit:

  1. liability arising from death or injury to persons caused by negligence;
  2. liability arising as a result of fraud or gross negligence to which no limit applies.

Neither we nor MORE TH>N shall not be liable for:

  1. any loss resulting from the provision of any of the User Services by other Service Providers
  2. any loss for which liability is disclaimed elsewhere in the Conditions; or
  3. loss of profits; or
  4. loss of business; or
  5. depletion of goodwill or similar losses; or
  6. loss of anticipated savings; or
  7. loss of goods; or
  8. loss of use; or
  9. loss or corruption of data or information; or
  10. any special, indirect, consequential or pure economic loss, costs, damages, charges or expenses.

If we or MORE TH>N are held liable to you for any loss or damage, such liability shall in all cases be limited to the payment of an amount not exceeding £100,000, including costs and expenses in respect of any one claim. For the avoidance of doubt, a claim shall be defined as a claim or a series of claims (whether by one or more claimant) arising from, or in connection with, or attributable to, any one act, error, omission or originating cause or source or the dishonesty of any person or group of persons acting together, and any such series of claims shall be deemed to be one claim for all purposes under this clause.

You acknowledge that these exclusions and/or limitations are reasonable having regard to the role of MORE TH>N and the cost of MORE TH>N Legal Services.

Intellectual property

Use of the MORE TH>N Legal Website and the User Services is subject to the notices of ownership of intellectual property rights detailed from time to time on the MORE TH>N Legal Website.

All rights in the design, text, graphics and other materials on the MORE TH>N Legal Website are the property of RSA Insurance Group Plc, Royal & Sun Alliance Insurance Plc and/or Epoq Group Ltd ("EGL") (4265146) or ELL, both of whose registered office addresses are at Middlesex House, 29-45 High Street, Edgware, Middlesex, HA8 7UU.

"RAPIDOCS" and the "RAPIDOCS" logo are UK registered trademarks of Epoq Group Ltd.

"MORE TH>N Legal" is a UK and European Community registered trademark of Royal & Sun Alliance Insurance Plc.

Rapidocs software featured on the MORE TH>N Legal Website is copyright Epoq Group Ltd. Other software reproduced in and on the MORE TH>N Legal Website is copyright Epoq Group Ltd.

Reproduction of any part or all of the content of the MORE TH>N Legal Website (including any registered or unregistered trademarks) in any form is prohibited (other than in accordance with the licence terms detailed therein). You may not use (other than as is expressly or impliedly licensed) resell, reverse engineer, decompile or otherwise modify any software.

Some of the law guide and documents offered on the MORE TH>N Legal Website include public sector information licensed under the Open Government Licence v2.0. Subject to that, copyright in the content of the Law Guide and the Documents belongs to Epoq Group Limited.

You are granted a limited personal non-exclusive licence to reproduce and use the MORE TH>N Legal Website content for personal, non-commercial, home or work use. As such, you may make copies of the MORE TH>N Legal Website as necessary incidental acts during your viewing of it, and you may print for your personal use as much of the MORE TH>N Legal Website as is reasonable for private purposes.

Complaints procedure

We aim to please - but we know that sometimes things go wrong. If you have a problem or complaint we want to know. If you have a complaint, please contact Epoq Legal Ltd directly and your complaint will be investigated fully by our customer relations team and you will receive a prompt reply. Most problems can be dealt with by sending an email to support@morethanlegaldocs.com. You may also:

We will endeavour to investigate your complaint and respond to you as quickly as possible. We undertake to either deal with your complaint, or acknowledge its receipt and confirm the timescales for a full response, within three working days of receipt.

If you are not satisfied with the response to your complaint, you may send an email for the attention of the General Manager to support@morethanlegaldocs.com (or write to the General Manager, MORE TH>N Legal Services, Middlesex House, 29-45 High Street, Edgware, Middlesex, HA8 7UU), with the reasons for your continued dissatisfaction. A separate and thorough review of your complaint will be conducted and a response sent directly to you.

If your complaint is against a Service Provider, MORE TH>N will use reasonable endeavours on your behalf to assist you in resolving your complaint.

Other conditions

We shall not be liable for any failure to provide or delay in providing any service resulting from circumstances or events outside of our control, for example due to (but not limited to) strikes and other industrial disputes, breakdown of systems or network access, fire or explosions and power failure.

If any part of the Conditions (and /or notices on the MORE TH>N Legal Website) is found to be invalid or unenforceable, then such part will be deemed replaced by a valid and enforceable provision that most closely matches the intent of the original part and the remainder of the provisions shall continue in full force and effect.

No forbearance or delay by us in enforcing any of the Conditions will prejudice the rights, powers or remedies available to us, and such right, power or remedy will be cumulative.

You may not assign, subcontract or otherwise transfer any rights and obligations under these Conditions, whether in whole or in part. We shall be able to assign the benefit of all or part of the Conditions.

Headings in these Conditions are for convenience only and shall not affect its interpretation.