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Terms & Conditions

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  1. Definitions The following terms when used in these Terms and Conditions or any document referred to herein shall have the following meaning: “Agreement” means these Llama Life Rewards End User Terms and Conditions as updated from time to time. “Reward” means any of the individual rewards comprised in the Rewards Package; “Rewards Package” refers to the Llama Life Rewards Package Website, consisting of information and advertising services, content and transaction capabilities provided by Llama Life and/or its agents or subcontractors. Where applicable in this Agreement any reference to usage, receipt or provision of the Rewards Package shall be deemed to include any access to and/or usage of the Website. “Reward Provider” means the provider of any Reward to the Rewards Package “Member” means an Llama Life Customer that has been granted access to the Rewards Package of the Rewards Package “Membership” means unrestricted access to the Rewards Package offered to Members “Order” refers to any Reward as redeemed by the Member from the Rewards Package “Web” means the public internet. “Policy” refers to a life insurance, critical illness insurance or similar insurance product provided by an partner or agent of Llama Life. “Website” means any of the websites operated by Llama Life and/ or its subcontractors or agents for the provision of the Rewards Package. “Llama Life” is a trading name of Primas Life Ltd, a company incorporated in England with registered number 11914600 with registered office at 6-7 Hammet Street, Taunton, Somerset, England, TA1 1RZ. “You” means you, the end user of the Rewards Package or the individual Reward. “Your” shall be construed accordingly.
  2. General At any time Llama Life have the right to appoint an agent and/or a subcontractor for the purposes of the provision and management of the Llama Life Rewards Package. This Agreement sets out the terms and conditions that apply to the provision of the Rewards Package by Llama Life and/or its agents or subcontractors and to any Order placed on the Website in connection with the Rewards Package and by using the Rewards Package you agree to comply fully with it. You may only use this Rewards Package if you are 18 years of age or older. If you do not agree to this Agreement, or if you are under the age of 18, you should immediately refrain from using the Rewards Package.
  3. Registration You will get access to the Rewards via the Llama Life Rewards Package website subject to being a customer of Llama Life. The terms of this are set out in your relevant agreement with Llama Life regarding the product that you have purchased from Llama Life . Your logon credentials to the Llama Life Rewards Package website will be sent to you shortly after you have completed your subscription to a qualifying product supplied by Llama Life at a premium of £8 per month or more. Your access to the Rewards Package automatically ends when you are no longer a Llama Life customer. Either party to this Agreement is free to cancel the Membership at any time. To register to become a Member you must provide Llama Life and/or its agents or subcontractors with true accurate, current and complete information about yourself when completing the registration form. By registering to use the Llama Life Rewards Package you consent that the data that you provide to Llama Life and/or its agents or subcontractors is subject to section 20 of these terms and the privacy policy attached as schedule 1. You must maintain and update this information and keep it true, accurate, current and complete. If any information provided by you is not true, accurate, current and complete, Llama Life and/or its agents or subcontractors have the right to cancel your membership and refuse any and all current or future use of the Website. Registration requires a valid email address (which will serve as your user name) and unique password. You will be provided a secure password that you can change at any time: choose a password that uses a combination of letters, upper case, lower case and numbers. Avoid choosing obvious words or dates such as a nickname or your birth date. Please use maximum caution to keep your user name and password confidential and log-off from the Website when your session is complete to prevent unauthorised access to your information. You must not tell anyone else your user name or password. Any unauthorised use of either of them must be reported to as soon as you are aware of such use and Llama Life and/or its agents or subcontractors will, as soon as reasonably possible, cancel your user name and/or password and issues new ones to you. Llama Life and/or its agents or subcontractors may, for security or other reasons, require you to change your user name and/or password or other information which facilitates access to the rewards package or its Services. Llama Life and/or its agents or subcontractors reserves the right to cancel your user name and password without notice if LlamaLife and/or its agents or subcontractors becomes aware of any breach of these Terms and Conditions by you.
  4. Eligibility We aim to provide access to the Llama Life rewards package as soon as possible for new clients once a policy or similar is is in force. However, Llama Life reserves the right to withhold the rewards package for any reason. Further and in any event, the rewards package is to run until May 2023. At this time, Llama Life has the option to extend the rewards package on an ongoing subscription basis for a fee.
  5. Rewards Package Description The Llama Life Rewards Package as of the 02/05/2020 is delivered by Xexec.
  6. Advertised Rewards The nature and value of the rewards offered via the Llama Life Rewards Package will be advertised to the general public in various ways including but not limited to Television, Radio and Social Media advertisement. All advertised discount percentages, offers and potential financial savings are current 02/01/2020. All discount percentages, offers and potential financial savings shown on the Llama Life website are current 02/01/2020. All offers and discount percentages including those advertised to the general public are subject to change and can be amended or withdrawn by Llama Life and/or its agents or subcontractors at any time without notice. Any advertised financial saving effects of the rewards offered by Llama Life and/or its agents or subcontractors including but not limited to “save over £1000 a year” are based on average household spending for a family based on ONS figures. Data detailing average household spending has been obtained from our Reward Provider and is available on our site 
  7. Reward Redemption The Reward you redeem via the Rewards Package is redeemable for the goods and/or services of a specific Rewards Provider. You acknowledge and accept that the Rewards Provider, not Llama Life and/or its agents or subcontractors, is the seller of the goods and services and is solely responsible for redeeming any Reward you redeem. Your usage of Rewards redeemed by you via the Rewards Package shall be subject to the following additional terms and conditions: (i) Terms and Conditions for All Rewards. All Rewards provided by the Rewards Package are offered to you below their retail price and are subject to these terms and conditions of the Llama Life Rewards Package provided by Llama Life and/or its agents or subcontractors, the Website and the participating Rewards Provider. Llama Life and/or its agents or subcontractors shall retain full and final control over which Reward Providers shall provide Rewards under the Rewards Package to the extent permitted by law. (ii) This Agreement incorporates by reference the fine print and any additional terms and conditions set forth on the face of each Reward. In the event of any conflict between the terms and conditions expressly set forth in this Agreement and any terms and conditions set forth on the Reward itself, the express terms and conditions of this Agreement shall prevail. (iii) The holder and issuer of a Reward is the Rewards Provider. As a holder and issuer of the Reward, the Rewards Provider is fully responsible for any and all injuries, illnesses, damages, claims, liabilities and costs suffered by or in respect you, whether caused in whole or in part by the Rewards Provider, as well as for any unclaimed property liability arising from unredeemed Rewards. Rewards are redeemable in their entirety only and may not be redeemed incrementally. There is no issue of credit associated with any Reward unless otherwise required by law. (iv) Reproduction, sale, transfer or trade of a Reward is prohibited unless done so in compliance with the law. Should a Member attempt any of the above activities, Llama Life and/or its agents or subcontractors retains the right to terminate the Membership without recourse to the member. (v) Any attempted redemption not consistent with these terms and conditions will render the Reward null and void. Void to the extent prohibited by law. (vi) If you redeem the Reward for less than its face value, you will not be entitled to a credit, cash or a new Reward equal to the difference between the face value and the amount you redeemed, unless otherwise required by law. (vii) Rewards may be applied only to merchandise sold by the Rewards Provider and may not be applied to shipping or handling charges. Rewards may not be combined with any other gift certificates, third party certificates, Rewards, or promotions, unless otherwise specified by Rewards Provider. (viii) Cancellation of Membership — Upon cancellation of Membership, Members shall be unable to redeem any further Rewards and Rewards previously redeemed shall become null and void as further explained in Sections 9 and 10.
  8. Reward Delivery Llama Life and/or its agents or subcontractors will deliver the Rewards redeemed in one of combination of the following methods: i) Mail the Rewards via post at the customer mailing address provided at the time of the redemption of the Reward on Website. Any such delivery mechanism will be specified during the redemption on Website. ii) Phone redemption where a specific code and telephone number will be presented to the customer to redeem the Reward. Any such delivery mechanism will be specified during the redemption on Website. iii) Link-based redemption where the customer will be supplied with a protected link within the Rewards Package website in order to redeem the Reward directly. iv) Email the Reward and a unique link to the customer email address provided at the time of the redemption of the Reward on Website. v) By way of cashback earned at the time of purchase. If the delivery mechanism is not specified, it should be understood that Rewards will be emailed, with a specific link to a static web page. Rewards may have unique identification numbers or codes as specified by the Rewards Provider. Authentication and uniqueness of the Rewards in such section will be based on the type of service being redeemed, and Rewards Provider preference.
  9. Cancellations Members are free to cancel their Membership at any point. Members lose access to the Rewards Package upon terminating their subscription to a qualifying Llama Life policy. Upon termination of their Membership Llama Life and/or its agents or subcontractors will request the Rewards Provider to revoke the preferential pricing to Members who have terminated their Llama Life service. This may mean that the services setup with the Rewards Provider by the Member will cease functioning. Should the Member cancel their reward at any point no pro-rated sums will be available for refund to the Members.
  10. Cancellation Process and Post-Cancellation Steps Members can cancel their Llama Life Rewards Package Membership by contacting Llama Life or its agents or subcontractors. Contact details for this agent or subcontractor will be present on the Website. Llama Life and/or its agents or subcontractors shall aim to process all cancellation requests within 3 business days at the latest. Upon termination of their Membership Llama Life and/or its agents or subcontractors will request relevant Rewards Providers to revoke access to Rewards the Member has redeemed and discontinue the preferential pricing to Members who have terminated their Llama Life Rewards Package Service. This may mean that the Rewards setup with the Rewards Provider by the Member will cease functioning.
  11. Termination Without prejudice to any remedy that Llama Life may have against you, Llama Life and/or its agents or subcontractors may terminate or suspend with immediate effect and without notice your access to and use of this Rewards Package and your membership if it: does not receive timely payment under your premium; reasonably believes that you have breached any of these Terms and Conditions; is unable to verify the accuracy or validity of any information provided by you; or suspects fraudulent, abusive or illegal activity by you. Should you object to any of these Terms and Conditions, or any subsequent changes to them, or become dissatisfied with this Rewards Package in any way, your only recourse is to immediately discontinue to access or use this Rewards Package.
  12. Rewards Package Availability You acknowledge that interruptions in the Rewards Package and/or other events may occur that are beyond the control of Llama Life and/or its agents or subcontractors, and that Llama Life and/or its agents or subcontractors shall not be responsible for any data lost while transmitting information on the Web or otherwise. While Llama Life and its agents or subcontractors aim to make the Rewards Package accessible at all times it may be unavailable from time to time for any reason including, without limitation. , You understand and acknowledge that due to circumstances both within and outside of the control of Llama Life and/or its agents or subcontractors, access to the Rewards Package may be interrupted, suspended or terminated from time to time.
  13. Changes to the Rewards Package and RewardsLlama Life and/or its agents or subcontractors shall have the right at any time to change or discontinue any aspect or feature of the Rewards Package including, but not limited to, Rewards, content, hours of availability and equipment needed for access or use. Further, Llama Life and/or its agents or subcontractors may discontinue disseminating any portion of information or category of information, may change or eliminate any transmission method and may change transmission speeds or other signal characteristics. Llama Life reserves the right at all times to discontinue or modify this Agreement as we deem necessary or desirable without prior notification to you. Such changes may include, among other things, the adding of certain fees or charges. We suggest to you, therefore, that you re-read this Agreement from time to time in order that you stay informed as to any such changes. If we make changes to this Agreement and you continue to use the Rewards Package, you will be deemed to have agreed to any such changes. Any deletions or modifications to this Agreement Rewards Package
  14. Equipment, Account Management and Security You are responsible for obtaining and maintaining all telephone, computer hardware and other equipment needed to access and use the Rewards Package and you will be solely responsible for all charges related thereto. Llama Life and/or its agents or subcontractors shall not be liable for any damage to your equipment resulting from your use of the Rewards Package. You are required to create an account in order to use some parts of the Rewards Package. This is required so we can provide you with easy access to print your Orders, view your past redemptions, modify your preferences, and to ensure permissible use of the Rewards Package. You are responsible for protecting the confidentiality of your password(s), if applicable.
  15. Your Use of the Rewards Package You agree that your use of the Rewards Package will at all times be lawful. You agree not to post or transmit through the Website any material which violates or infringes in any way upon the rights of others, or any material which is unlawful, threatening, abusive, defamatory, invasive of privacy or publicity rights, vulgar, obscene, profane or otherwise objectionable, which encourages conduct that would constitute a criminal offense, give rise to civil liability or otherwise violate any law, or which, without Llama Life and/or its agents or subcontractors express prior, written approval, contains advertising or any solicitation with respect to products or services. Any conduct by you that in Llama Life’s and/or its agents or subcontractors discretion restricts or inhibits any other end user of the Rewards Package from using or enjoying the Rewards Package is strictly prohibited. You agree not to use the Website to advertise or perform any commercial, religious, political or non-commercial solicitation, including, but not limited to, the solicitation of other end users of the Rewards Package to become users of other on- or offline services directly or indirectly competitive or potentially competitive with Llama Life and/or its agents or subcontractors. You agree not to (a) license, sublicense, sell, resell, rent, lease, transfer, assign, distribute, time share or otherwise commercially exploit or make your Membership available to any third party, other than in furtherance of Your internal business purposes as expressly permitted by these Terms; (b) use the service to process data on behalf of any third party Users; (c) modify, adapt, or hack the Rewards Package or otherwise attempt to gain unauthorised access to the Service or related systems or networks; (d) falsely imply any sponsorship or association with Llama Life and/or its agents or subcontractors, (e) use the Rewards Package or the Rewards in any unlawful manner, including but not limited to violation of any person’s privacy rights; (f) use the Rewards Package to send unsolicited or unauthorized junk mail, spam, pyramid schemes or other forms of duplicative or unsolicited messages; (g) use the Rewards Package to store or transmit files, materials, data, text, audio, video, images or other content that infringes on any person’s intellectual property rights; (h) use the Rewards Package in any manner that interferes with or disrupts the integrity or performance of the Rewards Package and its components; (i) attempt to decipher, decompile, reverse engineer or otherwise discover the source code of any software making up the Service; (j) use the Rewards Package to knowingly post, transmit, upload, link to, send or store any content that is unlawful, racist, hateful, abusive, libellous, obscene, or discriminatory; (k) use the Rewards Package to knowingly post transmit, upload, link to, send or store any viruses, malware, Trojan horses, time bombs, or any other similar harmful software (“Malicious Software”); or (l) try to use, or use the Service in violation of these Terms. The foregoing provisions of this Section apply equally to and are for the reward of Llama Life, its subsidiaries, affiliates and its third party content providers and licensors, and each shall have the right to assert and enforce such provisions directly or on its own behalf.
  16. Intellectual Property All content located on or in the Website is the property of Llama Life and/or its agents or subcontractors or is used with the express permission of the copyright and/or trademark owner. ANY COPYING, DISTRIBUTING, TRANSMITTING, POSTING, LINKING, DEEP LINKING, OR OTHERWISE MODIFYING OF THE WEBSITE WITHOUT THE EXPRESS WRITTEN PERMISSION OF LLAMA LIFE AND/OR ITS AGENTS OR SUBCONTRACTORS IS STRICTLY PROHIBITED. Any violation of this policy may result in a copyright, trademark or other intellectual property right infringement that may subject you to civil and / or criminal penalties. The Website contains copyrighted material, trademarks and other proprietary information, including, but not limited to, text, software, photos, video, graphics, music, sound, and other content of Llama Life and/or its agents or subcontractors protected by copyright. Llama Life and/or its agents or subcontractors owns a copyright in the selection, coordination, arrangement and enhancement of all such content, as well as in the content original to it. You may not modify, publish, transmit, participate in the transfer or sale, create derivative works, or in any way exploit, any of the content, in whole or in part. You may download / print / save copyrighted material for your personal use only. Except as otherwise expressly stated under copyright law, no copying, redistribution, retransmission, publication or commercial exploitation of downloaded material without the express permission of Llama Life and/or its agents or subcontractors and the copyright owner is permitted. If copying, redistribution or publication of copyrighted material is permitted, no changes in or deletion of author attribution, trademark legend or copyright notice shall be made. You acknowledge that you do not acquire any ownership rights by downloading copyrighted material. Trademarks that are located within or on the Website shall not be deemed to be in the public domain but rather the exclusive property of Llama Life and/or its agents or subcontractors, unless such site is under license from the trademark owner thereof in which case such license is for the exclusive reward and use of Llama Life and/or its agents or subcontractors, unless otherwise stated. You shall not upload, post or otherwise make available on the Website any material protected by copyright, trademark or other proprietary right without the express permission of the owner of the copyright, trademark or other proprietary right. Llama Life and/or its agents or subcontractors does not have any express burden or responsibility to provide you with indications, markings or anything else that may aid you in determining whether the material in question is copyrighted or trademarked. You shall be solely liable for any damage resulting from any infringement of copyrights, trademarks, proprietary rights or any other harm resulting from such a submission. By submitting material to any public area of the Website, you warrant that the owner of such material has expressly granted Llama Life and/or its agents or subcontractors the royalty-free, perpetual, irrevocable, non-exclusive right and license to use, reproduce, modify, adapt, publish, translate and distribute such material (in whole or in part) worldwide and/or to incorporate it in other works in any form, media or technology now known or hereafter developed for the full term of any copyright that may exist in such material. You also permit any other end user to access, view, store or reproduce the material for that end user’s personal use. You hereby grant Llama Life and/or its agents or subcontractors the right to edit, copy, publish and distribute any material made available on the Website by you. The foregoing provisions of this Section apply equally to and are for the reward of Llama Life and/or its agents or subcontractors, its subsidiaries, affiliates and its third party content providers and licensors and each shall have the right to assert and enforce such provisions directly or on its own behalf.
  17. No Warranties You expressly agree that use of the service is at your sole risk. neither Llama Life and/or its agents or subcontractors, its affiliates nor any of their respective employees, agents, third party content providers or licensors warrant that use of the service will be uninterrupted or error free; nor do they make any warranty as to (i) the results that may be obtained from use of the Rewards Package, or (ii) the accuracy, reliability or content of any information, Rewards Package or merchandise provided through the Rewards Package.
    The Rewards Package is provided on an “as is” basis without warranties of any kind, either express or implied, including, but not limited to, warranties of title or implied warranties of merchantability or fitness for a particular purpose, other than those warranties which are implied by and incapable of exclusion, restriction or modification under the laws applicable to this agreement.
  18. Liability This disclaimer of liability applies to any damages or injury caused by any failure of performance, error, omission, interruption, deletion, defect, delay in operation or transmission, computer virus, communication line failure, theft or destruction or unauthorized access to, alteration of, or use of record, whether for breach of contract, tortious behaviour, negligence, or under any other cause of action. you specifically acknowledge that Llama Life and/or its agents or subcontractors is not liable for the defamatory, offensive or illegal conduct of other users or third parties and that the risk of injury from the foregoing rests entirely with you. In no event shall Llama Life and/or its agents or subcontractors, or any person or entity involved in providing the Rewards Package, be liable for any damages, including, without limitation, direct, indirect, incidental, special, consequential or punitive damages arising out of the use of or inability to use the Rewards Package. you hereby acknowledge that the provisions of this section shall, without limitation, apply to all content in the Rewards Package. Llama Life and/or its agents or subcontractors shall not in any circumstances be liable (whether in contract, tort or otherwise) for loss or damage howsoever arising and of whatsoever nature (including, without limitation, any indirect or consequential loss or damage, loss of profits, loss of contracts, loss of data, loss of operation time or loss of use of any equipment or process) suffered or incurred by Member or any of its employees or directors or any other third party by reason of the carrying out by Llama Life and/or its agents or subcontractors of its obligations under this Agreement, save and to the extent that such loss or damage arises from the finally and judicially determined gross negligence or wilful default, fraud or material breach by Llama Life and/or its agents or subcontractors of its obligations under this Agreement. In addition to the terms set forth above, neither Llama Life, nor its agents, subcontractors, affiliates, information providers or content partners shall be liable regardless of the cause or duration, for any errors, inaccuracies, omissions, or other defects in, or untimeliness or unauthenticity of, the information provided in connection with the Rewards Package, or for any delay or interruption in the transmission thereof to you, or for any claims or losses arising therefrom or occasioned thereby. none of the foregoing parties shall be liable for any third-party claims or losses of any nature, including without limitation lost profits, punitive or consequential damages. Llama Life and/or its agents or subcontractors is not responsible for any content that you, another user, subscriber, or an unauthorized user may post on the website. Any content that is posted or uploaded that is or may be deemed unsuitable can and may be taken down by Llama Life and/or its agents or subcontractors. Furthermore, Llama Life and/or its agents or subcontractors reserves the right to edit, change, alter, delete and prohibit any and all content that it deems unsuitable in its sole discretion.
  19. Indemnity You agree to defend, indemnify and hold harmless Llama Life and/or its agents or subcontractors, its affiliates and their respective directors, officers, employees and agents from and against all claims and expenses, including legal fees, arising out of your use of the Rewards Package.
  20. Monitoring Llama Life and/or its agents or subcontractors shall have the right, but not the obligation, to monitor the content and usage of the Website at all times, including any chat rooms and forums that may hereinafter be included as part of the Rewards Package, to determine compliance with this Agreement and any operating rules established by Llama Life and/or its agents or subcontractors, as well as to satisfy any applicable law, regulation or authorised government request. Without limiting the foregoing, Llama Life and/or its agents or subcontractors shall have the right to remove any material that Llama Life and/or its agents or subcontractors, in its discretion, finds to be in violation of the provisions hereof or otherwise objectionable.
  21. Privacy By using the Rewards Website you are acknowledging that you have read the Privacy Policy attached as Schedule 1 to these Terms of Service and are consenting to the practices described there, including the transfer of your personal data inside and outside of the European Economic Area (EEA). You hereby consent to your personal data being transferred between Llama Life and/or its agents or subcontractors subject to relevant Data Protection Law. All information sharing is based on the principle of sharing only the information necessary to operate the Llama Life Rewards Package. The information that Llama Life and/or its agents or subcontractors may request, collect or retain is including but not limited to; i) Essential information that you give us order for you to use the Rewards Website which may include but are not limited to – first name, last name, email address, and postal code. By using the Rewards Website you are giving Llama Life and/or its agents or subcontractors your consent to use this information ii) Additional personal information – you can decide to provide us with additional information that will allow you to use additional functionality on this website. This information could include but is not limited to the following; Preferences and reminders, Home Address, Telephone number, Mobile phone number, Date of birth, Payment and bank account information, Automatically generated logging information created while you use this website may  including: Transactional information and Customer service enquiries. This information will be used to authenticate your unique user account, communicate with you and enable you to access the benefits and services of the Rewards Website. Additional information obtained from you is used to facilitate additional functionality, provide relevant offers and fulfil transactions. All information sharing is based on the principle of sharing only the information necessary to fulfil the legitimate business purpose of providing the Llama Life Rewards Package. If particular web pages permit the submission of communications that will be treated by Llama Life and/or its agents or subcontractors as confidential, that fact will be stated on those pages. By posting comments, messages or other information on the Website, you grant Llama Life and/or its agents or subcontractors the right to use such comments, messages or information for promotions, advertising, market research or any other lawful purpose.
  22. Termination Llama Life and/or its agents or subcontractors may terminate this Agreement and/or the provision of the Rewards Package at any time. Without limiting the foregoing, Llama Life and/or its agents or subcontractors shall have the right to immediately terminate any of your passwords or accounts in the event of any conduct by you which Llama Life and/or its agents or subcontractors, in its sole discretion, considers to be unacceptable, or in the event of any breach by you of this Agreement.
  23. Third Party Content Llama Life and/or its agents or subcontractors, similar to any Web service provider, may distribute (and not a publisher) content supplied by third parties and End Users. Accordingly, Llama Life and/or its agents or subcontractors has no more editorial control over such content than does a public library, bookstore or newsstand. Any opinions, advice, statements, services, offers, or other information or content expressed or made available by third parties, including information providers, or any other end users are those of the respective author(s) or distributors) and not of Llama Life and/or its agents or subcontractors. Neither Llama Life and/or its agents or subcontractors nor any third-party provider of information guarantees the accuracy, completeness, or usefulness of any content, nor its Rewards Provider ability or fitness for any particular purpose. In many instances, the content available through the Rewards Package represents the opinions and judgments of the respective information provider, end user, or other user not under contract with Llama Life and/or its agents or subcontractors. Llama Life and/or its agents or subcontractors neither endorses nor is responsible for the accuracy or reliability of any opinion, advice, or statement made on Llama Life and/or its agents or subcontractors by anyone other than authorised Llama Life employee spokespersons while acting in official capacities. Under no circumstances will Llama Life and/or its agents or subcontractors be liable for any loss or damage caused by your reliance on information obtained through Llama Life and/or its agents or subcontractors. It is your responsibility to evaluate the accuracy, completeness, or usefulness of any information, opinion, advice, etc., or other content available through Llama Life and/or its agents or subcontractors. The Website may contain links to third party Web sites maintained by other content providers. These links are provided solely as a convenience to you and not as an endorsement by Llama Life and/or its agents or subcontractors of the contents on such third-party sites and Llama Life and/or its agents or subcontractors hereby expressly disclaims any representations regarding the content or accuracy of materials on such third-party Web sites. If you decide to access linked third-party Web sites, you do so at your own risk. Unless you have executed a written agreement with Llama Life and/or its agents or subcontractors expressly permitting you to do so, you may not provide a hyperlink to the Website from any other website. Llama Life and/or its agents or subcontractors reserves the right to revoke its consent to any link at any time in its sole discretion.
  24. Miscellaneous These terms, along with the terms and conditions set forth on the Reward Package and the terms and conditions set forth on the face of the offer, constitute the entire agreement of the parties with respect to the subject matter hereof. No waiver by either party of any breach or default hereunder is a waiver of any preceding or subsequent breach or default. The section headings used herein are for convenience only and shall be of no legal force or effect. If any provision of this Agreement is held invalid by a court of competent jurisdiction, such invalidity shall not affect the enforceability of any other provisions contained in this Agreement and the remaining portions of this Agreement shall continue in full force and effect. The failure of either party to exercise any of its rights under this Agreement shall not be deemed a waiver or forfeiture of such rights or any other rights provided hereunder. This Agreement shall be governed by English Law and subject to the exclusive jurisdiction of the Courts of England and Wales.