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Terms & Conditions


These Terms and Conditions of Use and the DOA Privacy Policy (together the “Terms and Conditions”) apply to your use of the partner sub-domains that uses the OST Website. Information about our use of Cookies can be found in the DOA Privacy Policy. Please read the Terms and Conditions carefully. By proceeding with access to the OST Website you are deemed to have accepted the Terms and Conditions. If you do not agree with the Terms and Conditions, then please refrain from accessing or using the OST Website.

Please note that the OST Website is intended for use by residents of the United Kingdom whilst in the United Kingdom only. It is not applicable to residents or investors of other countries because the law in other countries may restrict the distribution of the information and products on the OST Website. For the avoidance of doubt none of the information on the OST Website constitutes an offer to contract in any country in which it is accessed, including (without limitation), the United Kingdom.

We may revise the Terms and Conditions of Use at any time by amending this page. You are expected to check this page from time to time to take notice of any changes we make, as they are binding on you.


The OST Website is provided by David Oliver T/as David Oliver Associates (DOA).

The OST Website may also contain hypertext or other links to websites operated by other third parties. The responsibility for those websites belongs to the third parties who are identified as operating those websites. Separate terms and conditions will apply to those websites and you are encouraged to read those if you access those links.


David Oliver Associates will endeavour to ensure that the OST Website is accessible for 24 hours a day but will not be liable if‚ for any reason‚ the OST Website is unavailable for any time or for any period. DOA will have the right to suspend access to or withdraw the OST Website temporarily or permanently and without notice.

David Oliver Associates will not be liable for any loss or damage arising in contract‚ tort or otherwise if the OST Website is unavailable or suspended for any reason.


The information contained on the OST Website is provided for information purposes only and David Oliver Associates will use reasonable care and skill to ensure that it is accurate at the date of publication. However, because of the nature of the Internet‚ there may be circumstances in which errors occur within the information. Consequently, David Oliver Associates makes no warranty or guarantee as to the accuracy of any information on the OST Website and cannot accept liability for any errors or omissions within it.

Reliance on Information Posted

Commentary and other materials posted on the OST Website is not intended to amount to advice on which reliance should be placed. David Oliver Associates accepts no responsibility or liability arising from any reliance placed on such materials by you or by any third party who may be informed by any of its contents.


David Oliver Associates will take all reasonable steps to ensure that any information you provide via e-mail and / or via the OST Website is kept secure‚ but please remember that‚ because of the nature of the Internet‚ the security of emails cannot be guaranteed. Consequently, your privacy of your data in such email correspondence cannot be guaranteed. There is no guarantee that any emails that you send to us will be received by us.

We process information about you in accordance with the DOA Privacy Statement. By using the OST Website, you consent to such processing and you warrant that all data provided by you is accurate.

Additional information regarding the security of personal data‚ and the use of cookies is available in the DOA Privacy Statement.


David Oliver Associates shall not be liable for any loss of use, profits, savings or data or any indirect, special or consequential damages or losses, whether such losses arise in contract, negligence or tort, including without limitation, any losses in relation to your use of, reliance upon or inability to use the OST Website.

David Oliver Associates cannot warrant that the OST Website is free of viruses or technical defects of any description‚ and accepts no responsibility for any technical problems arising from your use of the OST Website.

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 OST Website or to your downloading of any material posted on it or on any website linked to it.

Trademarks, Copyright and Other Intellectual Property Rights

The 'DOA' logo is a registered trademark of David Oliver Associates which claims trademark rights in the logo. David Oliver Associates owns the copyright and all other intellectual property rights existing on or within the OST Website. All such rights are reserved and you may not reproduce the logo without David Oliver Associates written consent.

You are not permitted to download‚ print‚ redistribute or extract any information from the OST Website other than for your personal‚ non-commercial use and not for any purpose that damages our reputation or takes advantage of it. You are not permitted to modify or in any way change any of the information available on the OST Website. You must not modify the paper or digital copies of any materials you have printed off or downloaded in any way and you must not use any illustrations, photographs, video or audio sequences or any graphics separately from any accompanying text.

Linking to the Website

You may link to the OST Website, provided you do so in a way that is fair and legal does not damage our reputation or take advantage of it, but you must not establish a link in such a way as to suggest any form of association, approval or endorsement on our part where none exists.

Data Protection and Privacy

Any personal information you supply via the OST Website will be treated in accordance with the General Data Protection Regulation and the Privacy and Electronic Communications Regulations 2003. Additional information regarding the privacy of personal data‚ and the use of cookies is available in the DOA Privacy Statement.

The OST Website may contain links to other websites which are outside our control and are not covered by the Terms and Conditions. Where the OST 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 and accept no responsibility for them or for any loss or damage that may arise from your use of them. You should read carefully and agree with the terms and conditions of third party websites before using them. If you access other websites using the links provided, the operators of those sites may collect information from you which will be used by them in accordance with their own privacy policy, which may differ from ours.

Posting Material

David Oliver Associates accepts no responsibility or liability to any third party in relation to the content or accuracy of any information or materials posted by you onto the OST Website or any information posted on external websites. David Oliver Associates retains the right to remove any information or materials posted by you on the OST Website if such information or material is or is likely to be offensive, illegal, harmful, or threatening and / or belongs to someone else. Unless otherwise stated any views expressed are of individuals contributors and not of David Oliver Associates.


You must not misuse the OST Website by knowingly introducing viruses, trojans, worms or other material which is malicious or harmful. You must not attempt to gain unauthorised access to the OST Website, the server on which the OST Website is stored or any server, computer or database connected to the OST Website.

You must not attack the Website

By breaching this provision, you may commit a criminal offence under the Computer Misuse Act 1990. We may report any such offence to the relevant law enforcement authorities and we will cooperate with those authorities by disclosing your identity to those authorities. We will not be liable for any loss or damage caused by malicious or harmful material that may infect your computer, your computer equipment, computer programs, data or other proprietary material as a result of your use of the OST Website or as a result of you downloading any material posted on them or downloading any material from any website linked to them.

Applicable Law

David Oliver Associates has established the OST Website in England. We have chosen the laws of England and Wales to apply to the OST Website and for any dispute to be heard by the Courts of England and Wales. However, David Oliver Associates recognises that you are free to choose the laws and jurisdiction of Scotland or Northern Ireland if you are resident there and wish to do so.

Online Dispute Resolution

The European Commission has also provided an Online Dispute Resolution Service for logging complaints. To use this service please visit:

DOA Group

DOA Underwriting Ltd is an independent underwriting agency, wholesale broker and principal company for David Oliver T/as David Oliver Associates and DOA Special Facilities Ltd, and is authorised and regulated by the Financial Conduct Authority. FRN 772309.

Trading address: 1st Floor Offices, Robinson House, Haslers Lane, Great Dunmow, Essex, CM6 1XS.

Trip Insurer - AB&C Insurance
67a William Street
BT66 6JB

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