Website Terms and Conditions
- The content of the pages of this website is for your general information and use only. It is subject to change without notice.
- Neither we nor any third parties provide any warranty or guarantee as to the accuracy, timeliness, performance, completeness or suitability of the information and materials found or offered on this website for any particular purpose. You acknowledge that such information and materials may contain inaccuracies or errors and we expressly exclude liability for any such inaccuracies or errors to the fullest extent permitted by law.
- Your use of any information or materials on this website is entirely at your own risk, for which we shall not be liable. It shall be your own responsibility to ensure that any products, services or information available through this website meet your specific requirements.
- This website contains material which is owned by or licensed to us. This material includes, but is not limited to, the design, layout, look, appearance and graphics. Reproduction is prohibited other than in accordance with the copyright notice, which forms part of these terms and conditions.
- All trade marks reproduced in this website which are not the property of, or licensed to, the operator are acknowledged on the website.
- Unauthorised use of this website may give rise to a claim for damages and/or be a criminal offence.
- From time-to-time this website may also include links to other websites. These links are provided for your convenience to provide further information. They do not signify that we endorse the website(s). We have no responsibility for the content of the linked website(s).
- Your use of this website and any dispute arising out of such use of the website is subject to the laws of England, Northern Ireland, Scotland and Wales.
Information we hold about our customers
We collect and process various categories of personal information from you at the start of, and for the duration of, your relationship with us. We will limit the collection and processing of information to information necessary to meet our legal obligations and to enable us to arrange to products or services that you have requested.
Please note that if you do not agree to provide us with the requested information, it may not be possible for us to continue to provide advice or to arrange products and services to you. We may also process certain special categories of information for specific and limited purposes, we will only process special categories of information where we’ve obtained your explicit consent or are otherwise lawfully permitted to do so.
We do not obtain personal data from any source other than from you.
How we use your information
We will only use and share your information where it is necessary for us to carry out our lawful business activities. We may process your information where it is necessary to enter into a contract with you for the provision of our products or services or to perform our obligations under that contract. Please note that if you do not agree to provide us with the requested information, it may not be possible for us to continue to operate your account and/or provide products and services to you.
The way we use your data is described below
- Assess suitability for products or services.
- Arrange and advise on products and services available to you.
- Develop, manage and maintain our relationships with you and for ongoing customer service.
- Investigate and resolve complaints or breaches of conduct by our employees.
- We may process your information in the day-to-day running of our business, to manage our business and financial affairs and to protect our customers, employees and property. It is in our interests to ensure that our processes and systems operate effectively and that we can continue operating as a business.
- Monitor, maintain and improve internal business processes, information and data, technology and communications solutions and services.
- Perform general, financial and regulatory accounting and reporting
- Enable a sale, reorganisation, transfer or other transaction relating to our business
We want to make sure you are aware of your rights in relation to the personal information we process about you. We have described those rights and the circumstances below. If you wish to exercise any of these rights, if you have any queries about how we use your personal information that are not answered here, or if you wish to complain, please contact us.
Please note that in some cases, if you do not agree to the way we process your information, it may not be possible for us to supply services to you.
Further information or requests to invoke rights should be made in writing/email.
Your rights are summarised below:
- You have a right to get access to the personal information we hold about you.
- You have a right to rectification of inaccurate personal information and to update incomplete personal information.
- You have a right to request that we delete your personal information.
- You have a right to request us to restrict the processing of your personal information.
- You have a right to data portability.
- You have a right to object to the processing of your personal information.
- You have a right to object to direct marketing.
- You have a right to withdraw your consent.
- Sharing data with 3rd parties
We will only use and share your information with third parties in the following circumstances:
- Where we have your permission.
- Where we are required by law and by law enforcement agencies, judicial bodies, government entities, tax authorities or regulatory bodies around the world with third party guarantors or other companies that provide you with benefits or services (such as insurance cover) associated with your product or service where required for a proposed sale, reorganisation, transfer, financial arrangement, asset disposal or other transaction relating to our business and/or assets held by our business.
- Where permitted by law, it is necessary for our legitimate interests or those of a third party, and it is not inconsistent with the purposes listed above.
How we keep your information
By acting as an intermediary to provide you with products or services, we create records that contain your information, such as customer account records and activity records. Records can be held on a variety of media (physical or electronic) and formats.
We manage our records to help us to serve our customers and to comply with legal and regulatory requirements. Records help us demonstrate that we are meeting our responsibilities and to keep as evidence of our business activities.
Retention periods for records are determined based on the applicable legal or regulatory requirements. We normally keep customer account records for the life span of any product or service that has been arranged by us in order that we can deal efficiently with any queries that you may have.
Once products or policies have come to an end we normally keep customer account records for a further 12 months. Retention periods may be changed from time-to-time based on business or legal and regulatory requirements.
Users are advised that if they wish to deny the use and saving of cookies from this website on to their computers hard drive they should take necessary steps within their web browsers security settings to block all cookies from this website and its external serving vendors.
Other cookies may be stored to your computers hard drive by external vendors when this website uses referral programs, sponsored links or adverts. Such cookies are used for conversion and referral tracking and typically expire after 30 days, though some may take longer. No personal information is stored, saved or collected.
A cookie is a simple text file that is stored on your computer or mobile device by a website’s server and only that server will be able to retrieve or read the contents of that cookie. Each cookie is unique to your web browser. It will contain some anonymous information such as a unique identifier and the site name and some digits and numbers. It allows a website to remember things like your preferences or what’s in your shopping basket.
What cookies are used on this website?
|PHPSESSI||This is a session cookie used to preserve data across subsequent accesses. It is a temporary cookie that remains in the cookie file of your browser until you close the browser. It is mainly used to maintain your identity|
|Google Analytics||This is a web analytics service provided by Google, Inc. Google Analytics sets a cookie in order to evaluate your use and compile meaningful site traffic reports. Read more here.|
- Click on the ‘wrench’ icon on the browser (usually found top-right corner) to open the tools menu
- From the tools menu select ‘Options’
- Click the ‘Under the Hood’ tab from the menu on the left.
- In the ‘Privacy’ section, select the ‘Content settings’ button
- To enable cookies: select ‘Allow local data to be set’ option
- To disable cookies: select ‘Block all cookies’ option
Note there are various levels of cookie enablement and disablement in Chrome. For more information on other cookie settings offered in Chrome, refer to this page from Google.
Microsoft Internet Explorer 6.0, 7.0, 8.0, 9.0, 10.0, 11.0
- Click on ‘Tools’ at the top of your browser window and select ‘Internet Options’
- In the options window navigate to the ‘Privacy’ tab
- To enable cookies: Set the slider to ‘Medium’ or below
- To disable cookies: Move the slider to the top to block all cookies
Note there are various levels of cookie enablement and disablement in Explorer. For more information on other cookie settings offered in Internet Explorer, refer to this page from Microsoft.
- Click on ‘Tools’ at the browser menu and select ‘Options’
- Select the Privacy panel
- To enable cookies: Check ‘Accept cookies for sites’
- To disable cookies: Uncheck at ‘Accept cookies for sites’
Note there are various levels of cookie enablement and disablement in Firefox. For more information, refer to this page from Mozilla.
- Click on ‘Setting’ at the browser menu and select ‘Settings’
- Select ‘Quick Preferences’
- To enable cookies: check “Enable Cookies”
- To disable cookies: uncheck “Enable Cookies”
Note there are various levels of cookie enablement and disablement in Opera. For more information on other cookie settings offered in Opera, refer to this page from Opera Software.
Safari on OSX
- Click on ‘Safari’ at the menu bar and select the ‘Preferences’ option
- Click on ‘Security’
- To enable cookies: In the ‘Accept cookies’ section select ‘Only from site you navigate to’
- To disable cookies: In the ‘Accept cookies’ section select ‘Never’
Note there are various levels of cookie enablement and disablement in Safari. For more information on other cookie settings offered in Safari, refer to this page from Apple.
All other browsers