Saga Legal Documents...

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Terms of use



1. Terms and Conditions

This Terms of Use Notice, together with the Copyright Notice contained at the bottom of the Saga Legal Documents Website (this 'Website'), forms the Terms and Conditions (the 'Conditions') that represent your agreement with the Service Provider (see paragraph 3 below). These Conditions govern your access and use of this Website, including any part thereof and any User Services (see paragraph 2 and 4 below) offered thereon. It is important that you read and understand the Conditions before you start to use this Website. You may print and keep a copy of the Conditions for your reference. By using this Website, you indicate that you accept the Conditions and that you agree to abide by them. If you do not agree with all parts of the Conditions then you are not authorised to use this Website.

2. User Services

The following services are provided on and by way of this Website. These services are collectively referred to in these Conditions as the 'User Services':

The Law Guide
Document Preparation Service

A comprehensive discussion of the User Services appears in paragraph 4 below.

3. The Service Provider

The User Services are provided by Epoq Legal Ltd (ELL) registered in England and Wales under number 3707955 with registered office at Unit 2, Imperial Place, Maxwell Road, Borehamwood, Herts, WD6 1JN.

Reference to "our", "us" and "we" in these terms of use is a reference to ELL.

The User Services are provided to you under the terms of the policy you have with Saga Group Ltd registered in England and Wales under number 732602 with registered office at The Saga Building, Enbrook Park, Folkestone, Kent, CT20 3SE ('Saga').

4. User Services

4.1 The Law Guide

The information contained in the Law Guide 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 of changes in the law. Before you act or rely on the Law Guide, you should take advice. We disclaim all liability for actions taken or not taken based on the Law Guide.

4.2 Document Preparation Service

The online document preparation service (the 'Document Preparation Service') does not provide legal advice nor does it represent a legal service. It is designed to collect relevant information and data to assist you in preparing a legal document ('Document') from a document template using an automated software solution. It is designed for use by persons who do not have complex legal requirements.

When using the Document Preparation Service you will be asked a series of questions by a document assembly and drafting system (the 'System'). The answers you give will dictate the content of the Document produced automatically by the System from the document template. You alone are responsible for ensuring that the answers and any information you give are correct. You should make sure that all information supplied, including the identity of any parties or signatories, their age and capacity, is accurate. Since it is automated, the System can only use the answers which you supply, to produce your documents. If you insert incorrect data your documents will also be incorrect.

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

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.

It is your responsibility to ensure that any Document is properly executed in accordance with any instructions that are provided to you.

The document templates available on this Website from which Documents can be created by you using the System have been prepared to produce Documents that comply with the law of a particular jurisdiction only, as is clearly indicated on every document template. These jurisdictions are either that of England and Wales, Northern Ireland or Scotland. A reference in these Conditions to the "chosen jurisdiction" is a reference to the jurisdiction chosen by you when selecting a template and/or while using the System to create a Document from a template.

If any person or entity that is to sign a Document 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 for use in accordance with the law of the chosen jurisdiction. You should not use them in any other jurisdiction, or if property the Document deals with is outside the chosen jurisdiction.

We recommend that before reusing a Document you check the Website to ensure that it was created from the latest version of the relevant template. If we have replaced the template with a revised version, we recommend that you obtain the latest version.

Documents will be stored for a minimum period of six years. After this period you may not be able to obtain access to your Documents and they may be deleted. We reserve the right to levy a reasonable recovery charge in respect of any Documents that are able to be recovered. If you have not logged in to the Website for a period of twelve months or more, then we reserve the right to store your documents offline and levy a reasonable recovery charge for you to access them again.

We will not have any responsibility for the following in respect of a Document drafted by you through the self-help Document Preparation Service:

  • Verifying your authority or capacity to create a Document, or your answers or any information given by you when using the Document Preparation Service
  • Proof reading data you have input for typographical errors
  • Any alterations made by you or on your behalf to a Document once it has been made available to you
  • Supervising or checking the due and proper execution of any Document
  • Any use of a Document or execution of a Document by a person or entity outside of the chosen jurisdiction
  • Any adverse consequences if you use any Document without taking appropriate legal advice as to its suitability for your particular circumstances
  • Undertaking any future review of any Document or for providing any ongoing advice, legal or otherwise, as to the continued effectiveness of any Document for legal, taxation or any other purpose

5. Solicitor/client relationship

No solicitor/client relationship is established by use of this Website. Sending or receiving information through this Website does not establish a solicitor/client relationship.

We provide an automated software solution to persons who choose to prepare their own legal documents. At no time do we review your answers for legal sufficiency, draw legal conclusions, provide legal advice, opinions or recommendations about your legal rights, remedies, defences, options or strategies, or apply the law to the facts of your particular situation. We are not a law firm.

Furthermore, the law is a personal matter, and no general information or automated solution of the sort that we provide can fit every circumstance. Therefore, if you need legal advice for your specific problem, or if your specific problem is too complex to be addressed by our automated solution, you should consult a solicitor.

6. Use of this Website

The content of this Website is provided for guidance and information purposes only and is not to be construed as advice. We do not in any way recommend that the products and services available on this Website are suitable for you in your particular circumstances.

We aim to update this Website regularly and may change the content at any time. Any of the material on this Website may be out of date at any given time and we are under no obligation to update such material. The material displayed on this Website is provided without any guarantees, conditions or warranties as to its accuracy.

Reasonable efforts will be made to keep this Website available for use and functioning efficiently and reliably; however we cannot guarantee any minimum levels regarding the performance, speed, reliability, availability, use or consistency of this Website because this Website depends on the internet, including networks, cabling, facilities and equipment that are not within our control. We will not be liable for any damage or loss suffered as a result of any interruption in the availability of the Website or reduction in performance levels.

Due to the nature of the internet and the possibility of third party interference, this Website is not guaranteed to be free of all viruses and technical defects of any description or any forms of computer misuse. We will not be liable for any damage or loss caused by such third party interference as a result of your use of this 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. In particular, without limitation, 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 this Website or to your downloading of any material posted on it, or on any website linked to it.

If there are links from this Website to other websites operated by third parties, these are provided as a convenience only and we do not guarantee that you will be able to access those other websites via any link on this Website. We are not responsible for and do not endorse or accept any responsibility for the availability, contents, products, services or use of any third party websites or any changes or updates to such sites. We make no guarantees about the content or quality of the products or services provided by such sites, nor do we accept any responsibility for any damage or loss you may suffer as a result of your use of any third party websites. You acknowledge that you bear all risks associated with access to and use of content provided on a third party website. You may not establish a link to this Website from any other website without our prior written consent.

You are responsible for making all arrangements necessary for you to have access to this Website. You are also responsible for ensuring that all persons who access this Website through your internet connection are aware of the Conditions, and that they comply with them.

You are responsible for the security of any usernames, passwords or access codes that are required for you to access the Document Preparation Service and for ensuring that they are not misused. You must treat such information as confidential and you must not disclose it to any third party. You agree to notify us immediately of any unauthorised use of your access information and to provide assistance to us, as requested, to stop or remedy any breach of security related to your access information.

We shall not be liable for any losses you incur as a result of someone else's use of your access information, either with or without your knowledge. You may be held liable for any losses incurred by us, our affiliates, officers, directors, employees, consultants, agents and representatives due to someone else's use of your access information.

On no account should access information be used for gain - for example, by selling access to others to our services.

You may not use a third party's access information at any time.

You agree to provide true, current, accurate and complete customer information as requested by us from time to time and you agree to promptly notify us of any changes to this information as required to keep such information held by us current, complete and accurate.

Without limiting any of our other rights, we may suspend, restrict or terminate your use of this Website and disable your access information without notice if, in our sole and absolute discretion, we determine or believe that you have failed to comply with any of the Conditions.

We will have no responsibility to notify any third party, including any third party providers of services, merchandise or information, of any suspension, restriction or termination of your access to this Website.

7. 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.

8. Complaints

We are committed to providing quality services and products. However, in the event that you have a complaint in relation to services or products available from this Website you should follow the procedure detailed in the Complaints Procedure on this Website.

9. Privacy Notice

Please refer to the Privacy Notice on this Website.

10. Intellectual property

Use of this Website and the content on the Website and the Document Preparation Service is subject to the notices of ownership of intellectual property rights detailed from time to time on this Website.

Subject to that:

Content means all document templates and documents, materials and content, including designs, editorial, text, graphics, audio-visual materials, multimedia elements, photographs, videos, music, sound recordings, reports, software, information, formulae, patterns, data and any other work.

Content accessed or available through this Website may be owned by parties other than you or us (Third Party Content) and may be protected by applicable copyrights, trade-marks, patents, trade secrets or other proprietary rights and laws. Nothing in your use of this Website or in the Conditions grants you any right, title or interest in or to this Third Party Content except for the limited right to use this Website as set out in the Conditions.


  • RAPIDOCS and its associated logo is either a UK registered trade mark or other trade mark, service mark or trade dress of our parent company, Epoq Group Ltd (Company number 4265146), whose registered office is at Unit 2, Imperial Place, Maxwell Road, Borehamwood, Herts, WD6 1JN, United Kingdom
  • Some of the Law Guide and document templates offered on this Website include public sector information licensed under the Open Government Licence v2.0

Except where expressly stated otherwise, all right, title and interest in and to this Website and all Content, source code, processes, designs, technologies, URLs, domain names, marks and logos forming any part of this Website (Our Content) is fully vested in us, our licensors or our suppliers and are protected by applicable copyrights, trade-marks, patents, trade secrets or other proprietary rights and laws. You agree that Our Content is licensed subject to the terms of the Conditions, including the disclaimers and limitations of liability herein. Nothing in your use of this Website or in the Conditions grants you any right, title or interest in or to Our Content except the limited right to use this Website as set out in the Conditions.

11. Your use of Our Content

We grant you permission to view, download, copy and print any of Our Content on, to or from any single, stand-alone computer solely for your personal, informational, non-commercial use provided that any copyright and trade mark notices appearing on such Content are not altered or removed; such Content is not used on any other website or in a networked computer environment and such Content is not modified in any way. This permission terminates automatically without notice if you breach any of the Conditions. On any such termination, you agree to immediately destroy any downloaded or printed Content.

Subject to that, unless otherwise expressly authorised by us in writing, you agree not to:

  • deep link, rent, lease, loan, share, sell, resell or exploit for any commercial purpose, assign, sublicense, grant a security interest in or otherwise transfer any right or interest in Our Content;
  • distribute, redistribute, create a derivative work of, decompile, reverse engineer, reverse assemble or otherwise attempt to discover the source code, of Our Content, to the maximum extent that such prohibition is permitted by applicable law;
  • copy, reproduce, broadcast, download, store (in any medium), transmit in any form or by any means, electronic, mechanical, recording or otherwise, show or play in public, adapt or change in any way, Our Content or any other part of the Website for any purpose whatsoever in breach of the Conditions;
  • use any data mining, robots or similar extraction methods in relation to Our Content;
  • remove any proprietary notices or labels on or in Our Content, or
  • allow any other person or entity to engage in any of the foregoing.
  • The reproduction of all trademarks, both registered and unregistered is strictly prohibited.

Any application in relation to the licensing of Our Content should be addressed to us at

We shall have no responsibility for any damage to your computer system or loss of data that results from downloading any of Our Content.

12. Prohibited use

As a condition of your use of this Website, you warrant to us that you will not use this Website for any purpose that is unlawful or prohibited by the Conditions, and any other notices appearing on this Website.

Without limitation, you must not, directly or indirectly:

  • misuse this 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;
  • attempt to gain unauthorised access to this Website, the server on which this Website is stored or any server, computer or database connected to this Website or disable or circumvent any access control or related process or procedure established with respect to this Website;
  • scan or probe another computer system, obstruct or bypass computer identification procedures or engage in unauthorised computer or network trespass without the express permission of the owners of such computer systems;
  • forge headers or otherwise manipulate any protocols or identifiers used in any system or protocol in such a manner to disguise the origin of any data transmitted using this Website;
  • impersonate or falsely represent your association with any person, including a representative of ours;
  • disrupt or threaten the integrity, operation or security of any website, any computer or any internet system;
  • extract, gather, collect, or store personal information about others without their express consent;
  • attack this Website via a denial-of-service attack or a distributed denial-of-service attack;
  • use this 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; or
  • use the Website to transmit, or procure the sending of, any unsolicited or unauthorised advertising or promotional material or any other form of similar solicitation (spam).

13. Liability limitations

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

  • any breach of the Conditions; or
  • your use of this Website or any software accessed through this Website;
  • your use of the User Services; or
  • any representation, statement or tortious act or omission (including without limitation negligence) arising under or in connection with the Conditions, the 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:

  • liability arising from death or injury to persons caused by negligence;
  • liability arising as a result of fraud or gross negligence to which no limit applies; or
  • any other liability which cannot be excluded or limited under applicable law.

Neither we nor Saga shall be liable for:

  • any loss for which liability is disclaimed elsewhere in the Conditions;
  • loss of profits;
  • loss of business;
  • depletion of goodwill or similar losses;
  • loss of anticipated savings;
  • loss of goods;
  • loss of use;
  • loss or corruption of data or information;
  • any special, indirect, consequential or pure economic loss, costs, damages, charges or expenses.

If we or Saga 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 £50,000, 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 paragraph.

You acknowledge that the exclusions and/or limitations in these Conditions are reasonable having regard to the fact that this Website, the Law Guide, and the Document Preparation Service are freely accessible and available at no or low cost.

14. Modifications

From time to time, we may restrict access to some parts, or all, of this Website.

We reserve the right to change the terms, conditions, and disclaimers under which this Website or any User Service is offered. This right shall not affect the existing terms and conditions accepted by you upon making a legitimate purchase using this Website. These terms and conditions shall not affect your statutory rights as a consumer.

15. General

The Conditions (and all communications) are in English and governed by the laws of England and Wales. You hereby consent to the exclusive jurisdiction of the English and Welsh courts in all disputes arising out of or relating to the Conditions, the use of this Website or the User Services. Use of this Website is unauthorised in any jurisdiction that does not give effect to all provisions of these terms and conditions, including without limitation this paragraph.

If any part of the Conditions is determined to be invalid or unenforceable pursuant to applicable law including, but not limited to, the warranty disclaimers and limitations set forth above, then the invalid or unenforceable provision will be deemed superseded by a valid, enforceable provision that most closely matches the intent of the original provision and the remainder of the agreement shall continue in effect.

The Conditions, as amended from time to time, including any and all documents, rules, terms and policies referenced herein constitute the entire agreement between you and us with respect to the matters referred to in the Conditions e and it supersedes all prior or contemporaneous communications and proposals, whether electronic, oral, or written, between us and you with respect to such matters. A printed version of the Conditions and of any notice given in electronic form shall be admissible in judicial or administrative proceedings based upon or relating to the Conditions to the same extent and subject to the same conditions as other business documents and records originally generated and maintained in printed form.

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

We shall be able to assign the benefit of all or part of the Conditions.

Headings in the Conditions are for convenience only and shall not affect their interpretation.

Any rights not expressly granted herein are reserved.