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Setanta Insurance does not transfer title to any site content downloaded or used by User. Site content, including its selection and arrangement, is owned by Setanta Insurance or affiliates and/or their content and technology providers and is protected by copyright and other laws.

Permission to use site content is specifically conditioned on the user's recognition, observance and retention of all copyright, trademark and other proprietary, and all proprietary and other intellectual property rights of Setanta Insurance.

Any unauthorised use or copying of site content, or use of site content which breaches these Terms (or their spirit) may violate trademark, copyright and other proprietary rights, and civil and criminal statutes. Users shall not use any site content (or any other content made available through this site) in any manner that infringes any trademark, copyright or other proprietary rights.

Setanta Insurance reserves all rights with respect to such unauthorised use or breach of these terms.