Common use of PROTECTING YOUR INFORMATION Clause in Contracts

PROTECTING YOUR INFORMATION. All personal information about you will be treated as private and confidential (even when you are no longer a customer) except where the disclosure is made at your request or with your consent or where we are required by law to disclose it. We will use your information in relation to setting up and administering your insurance and any related credit arrangements. Some or all of the information you supply to us in connection with your insurance proposal or application for credit may be passed to insurance and other companies for underwriting, claims and premium collection purposes. Your data will be held in accordance with the Data Protection Act 1998, under which you have a right of access to see personal information about you that is held in our records, whether electronically or manually. If you have any queries, please contact us. We and/or the insurers and/or credit providers may use publicly available data from a variety of sources, including credit reference agencies and other external organisations to verify your identity or creditworthiness, to avoid fraud, and to obtain beneficial quotes and payment options on your behalf. Each of the searches may appear on your credit report whether or not your application proceeds. Please refer to your policy summary or your policy document if you need to notify a claim. You should contact us or the insurer direct as soon as you become aware of any incident which could give rise to a claim. If in doubt about whom you should contact, or if you require our assistance in relation to a claim or potential claim please contact us. Please refer to our tariff of administration charges for fees payable under this Terms of Business Agreement. These charges apply if you instruct us to arrange insurance, carry out a mid-term adjustment, renewal, cancellation or other work on your behalf. If you pay your premium by instalments we shall inform you of any additional fees, charges or interest as part of your credit arrangements. You are entitled, at any time, to request information regarding any commission which we may have received as a result of placing your insurance business or arranging premium finance. Prior to your premium being forwarded to the insurer (or forwarded to you in the event of a premium refund) we hold your money as an agent of the insurer with which we arrange your insurance. Where we hold premium as the agent of the insurer it is regarded as received by the insurer. We may transfer your premiums to the insurer through another party, such as a broker or underwriting agent for the purposes of effecting a transaction. It is our intention to provide a high level of service at all times. However if you have reason to make a complaint about our service you should contact us immediately using the contact details on the first page of this document ▇▇▇▇▇▇ ▇▇▇▇▇▇▇ Director email ▇▇▇▇▇▇▇▇▇▇▇▇▇@▇▇▇▇▇▇▇▇▇▇▇▇▇▇▇▇▇.▇▇.▇▇ 01225 707575 You may be entitled to refer the matter subsequently to the Financial Ombudsman Service. You can contact the Financial Ombudsman Service by telephone on ▇▇▇▇ ▇ ▇▇▇ ▇▇▇ and further information is available at ▇▇▇▇://▇▇▇.▇▇▇▇▇▇▇▇▇-▇▇▇▇▇▇▇▇▇.▇▇▇.▇▇/. If you do decide to refer any matter to the Financial Ombudsman Service your legal rights will not be affected. We will provide a summary of our complaints handling procedures should you make a complaint which we cannot resolve informally and at any other time, upon your request. We are covered by the Financial Services Compensation Scheme. You may be entitled to compensation from the scheme if we cannot meet our obligations. This depends on the type of business and the circumstances of the claim. Insurance advising and arranging is covered for 90% of the claim, without any upper limit. For compulsory classes of insurance, insurance advising and arranging is covered for 100% of the claim, also without any upper limit. The compensation scheme does not apply to consumer credit. Further information about compensation scheme arrangements is available from the FSCS on 0800 678 1100 or 020 7741 4100 or by visiting ▇▇▇▇://▇▇▇.▇▇▇▇.▇▇▇.▇▇/ We are obliged to report to the National Crime Agency any suspicion of money laundering or terrorist financing activity and we are prohibited from disclosing any such report. It is the responsibility of the insured to ensure that all sums insured and policy limits are adequate. Whilst we seek to assist in establishing and maintaining insured values and indemnity limits we cannot accept responsibility for their accuracy. It is strongly recommended that the appropriate Professional (e.g. Surveyor/Accountant) be consulted to ensure that the sums insured and limits under the policy are suitable. As insurance brokers we generally act as your agent in advising you, arranging your insurance and assisting you in the event of a claim. In certain circumstances we may act for and owe duties of care to insurers and/or other parties. Where we become aware of any actual or potential conflict of interest, we will inform you of the situation, the options available to you and obtain your consent before we proceed. The insurers we use are regulated and are required to have adequate capital resources. However, we cannot guarantee the solvency of any insurer we place business with. An insolvent insurer may be unable to pay claims or may be unable to pay them in full and you may have to pay a further premium to pay for alternative insurance cover.

Appears in 1 contract

Sources: Terms of Business Agreement

PROTECTING YOUR INFORMATION. All personal information about you will be treated as private and confidential (even when you are no longer a customer) ), except where the disclosure is made at your request or with your consent in relation to administering your insurance or where we are required by law to disclose it. We will use your information in relation to setting up and administering your insurance and any related credit arrangementslaw. Some or all of the information you supply to us in connection with your insurance proposal or application for credit may be passed to insurance and other companies for underwriting, claims and premium collection purposes. Your data will be held in accordance with the Data Protection Act 1998▇▇▇ ▇▇▇▇, under which you have a right of access to see personal information about you that is held in our records, whether electronically or manually. If you have any queries, please contact uswrite to the Data Protection Officer at our address (section ‘About Us’). We and/or the insurers and/or credit providers may use publicly will not make your details available data from a variety of sourcesto other parties for marketing purposes, including credit reference agencies but we and other external organisations companies also owned by The JRW Group Ltd, may contact you to verify your identity or creditworthinesskeep you informed of our latest products and services. We use Industry standard encryption technologies when transferring and receiving customer data exchanged with our web site. Your Insurance Booklet includes a claims procedure, to avoid fraud, and to obtain beneficial quotes and payment options on your behalf. Each of the searches may appear on your credit report whether or not your application proceeds. Please refer to your policy summary or your policy document which tells you what steps you should take if you need wish to notify make a claim. You should contact us must notify the Claims Department of a claim or the insurer direct as soon as you become aware of any incident circumstance which could may give rise to a claimclaim as soon as possible. If in doubt about whom you should contact, or if you require our You will be provided with every assistance in relation to submitting a claim or potential claim please contact us. Please refer to our tariff of administration charges for fees payable under this Terms of Business Agreement. These charges apply if you instruct us to arrange insurance, carry out a mid-term adjustment, renewal, cancellation or other work on your behalf. If you pay your premium by instalments we shall inform you of any additional fees, charges or interest as part of your credit arrangements. You are entitled, at any time, to request information regarding any commission which we may have received as a result of placing your insurance business or arranging premium financeand seeking reimbursement. Prior to your premium being forwarded to the insurer (or forwarded to you in the event of a premium refund) insurer, and for your protection, we hold your money as an agent of the insurer with in which case your policy is treated as being paid for. Premiums for Insurance are payable and due at the time of application. You may make payment by cheque or credit card (all major credit/ debit cards except American Express are accepted), or Direct Debit. The insurance purchase will not be concluded until payment has been received unless otherwise agreed. If a payment is to be collected by Direct Debit and we arrange have been notified by your insurance. Where we hold premium as bank or building society of a failure to make payment to us, the agent of the insurer it is regarded as received by the insurerinsurance will be cancelled and you will be notified. We may transfer your premiums allow payment of the total premium by instalment to be spread over a maximum of 12 consecutive months provided the insurer through another party, such as a broker or underwriting agent initial payment is made at inception and the means of payment for the purposes of effecting a transactionfollowing instalments is supplied at that time (e.g. with credit card details, post-dated cheques or Direct Debit). It is our intention to provide a high level of service at all times. However if you have reason Failure to make a complaint about our service you should contact us immediately using the contact details on the first page of this document ▇▇▇▇▇▇ ▇▇▇▇▇▇▇ Director email ▇▇▇▇▇▇▇▇▇▇▇▇▇@▇▇▇▇▇▇▇▇▇▇▇▇▇▇▇▇▇.▇▇.▇▇ 01225 707575 You may be entitled to refer the matter subsequently to the Financial Ombudsman Service. You can contact the Financial Ombudsman Service by telephone on ▇▇▇▇ ▇ ▇▇▇ ▇▇▇ and further information is available at ▇▇▇▇://▇▇▇.▇▇▇▇▇▇▇▇▇-▇▇▇▇▇▇▇▇▇.▇▇▇.▇▇/. If you do decide to refer any matter to the Financial Ombudsman Service your legal rights will not be affected. We will provide a summary of our complaints handling procedures should you make a complaint which we cannot resolve informally and at any other time, upon your request. We are covered payment by the Financial Services Compensation Scheme. You may be entitled to compensation from the scheme if we cannot meet our obligations. This depends on the type of business and the circumstances agreed date will result in cancellation of the claimpolicy one month after the payment failed and no refund will be made. Insurance advising All premiums quoted are inclusive of local Taxes at the prevailing rate and arranging is covered for 90% of the claim, without any upper limit. For compulsory classes of insurance, insurance advising and arranging is covered for 100% of the claim, also without any upper limit. The compensation scheme does not apply to consumer credit. Further information about compensation scheme arrangements is available from the FSCS on 0800 678 1100 or 020 7741 4100 or by visiting ▇▇▇▇://▇▇▇administration fee.▇▇▇▇.▇▇▇.▇▇/ We are obliged to report to the National Crime Agency any suspicion of money laundering or terrorist financing activity and we are prohibited from disclosing any such report. It is the responsibility of the insured to ensure that all sums insured and policy limits are adequate. Whilst we seek to assist in establishing and maintaining insured values and indemnity limits we cannot accept responsibility for their accuracy. It is strongly recommended that the appropriate Professional (e.g. Surveyor/Accountant) be consulted to ensure that the sums insured and limits under the policy are suitable. As insurance brokers we generally act as your agent in advising you, arranging your insurance and assisting you in the event of a claim. In certain circumstances we may act for and owe duties of care to insurers and/or other parties. Where we become aware of any actual or potential conflict of interest, we will inform you of the situation, the options available to you and obtain your consent before we proceed. The insurers we use are regulated and are required to have adequate capital resources. However, we cannot guarantee the solvency of any insurer we place business with. An insolvent insurer may be unable to pay claims or may be unable to pay them in full and you may have to pay a further premium to pay for alternative insurance cover.

Appears in 1 contract

Sources: Terms of Business Agreement

PROTECTING YOUR INFORMATION. All personal information about you will be treated as private and confidential (even when you are no longer a customer) except where the disclosure is made at your request or with your consent or where we are required by law to disclose it. We will use your information in relation to setting up and administering your insurance and any related credit arrangements. Some or all of the information you supply to us in connection with your insurance proposal or application for credit may be passed to insurance and other companies for underwriting, claims and premium collection purposes. Your data may be transferred outside the UK. We will not ask for more information than is necessary. Your data will be held in accordance with the Data Protection Act 1998▇▇▇ ▇▇▇▇, under which you have a right of access to see personal information about you that is held in our records, whether electronically or manually. Our Privacy Notice is on our website and can be located at ▇▇▇▇▇://▇▇▇.▇▇▇▇▇▇▇▇▇▇▇▇▇▇▇▇▇▇▇▇.▇▇.▇▇/index.php/about-us/privacy-notice If you have any queries, please contact us. We and/or the insurers and/or credit providers may use publicly available data from a variety of sources, including credit reference agencies and other external organisations to verify your identity or creditworthiness, to avoid fraud, and to obtain beneficial quotes and payment options on your behalf. Each of the searches may appear on your credit report whether or not your application proceeds. Please refer to your policy summary or your policy document if you need to notify a claim. You should contact us or the insurer direct as soon as you become aware of any incident which could give rise to a claim. If in doubt about whom you should contact, or if you require our assistance in relation to a claim or potential claim please contact us. In addition to the premiums and fees charged by insurers we normally make the following charges to cover the administration of your insurance: New policies and renewal – up to £100; midterm adjustments – up to £50; re-issue of documentation - £15; time on risk/cancellation – in addition to the insurers cancellation fee (if any) we will make a charge of up to £50 for the cancellation of policies. No refund will be made if a claim has been paid or is outstanding at the time you cancel the policy. Where a fee or charge is payable, you will be advised before you commit to the service. There is no additional fee for payments made by credit card, debit card, bank transfer, cheque or cash. We may offer the facility to use the services of an external premium credit provider to pay premiums by instalments. Where this is offered there is an interest charge payable, usually between 10% and 15% of the total premium. The interest amount will be advised prior to committing to the service. Please refer to our tariff ask for details. In return for placing business with insurers and underwriters we receive a commission from them which is a percentage of administration charges for fees payable under this Terms of Business Agreement. These charges apply if the annual premium you instruct us to arrange insurance, carry out a mid-term adjustment, renewal, cancellation or other work on your behalfare charged with. If you the type of policy we sell reaches specific profit targets the insurer may also pay your premium by instalments we shall inform you of any us an additional fees, charges or interest as part of your credit arrangementsbonus. You are entitled, entitled at any time, time to request information regarding any commission which we may have received as a result of placing your insurance business or arranging premium finance. Please be assured that at no time will the way in which we are remunerated conflict with our responsibilities to meet your needs and treat you fairly. In respect of some classes of insurance we may operate block insurance arrangements in order to provide competitive terms. This is where we place all insurances of a certain type with one insurer who can provide particularly competitive terms for all our customers. On occasions it will be necessary for us to transfer such blocks from one insurer to another where this is beneficial for our clients. This Terms of Business Agreement constitutes both your acceptance that we may do this and your prior request for us so to do. Prior to your premium being forwarded to the insurer (insurer, or forwarded to you in the event of a premium refund) , we hold your money as an agent of the insurer with which we arrange your insurance. Where we hold premium premiums as the agent of the insurer it is regarded as received by the insurer. We reserve the right to retain interest earned on this account. We may transfer your premiums to the insurer through another party, such as a broker or underwriting agent for the purposes of effecting a transaction. It is our intention to provide a high level of service at all times. However if you have reason to make a complaint about our service you should contact us immediately using the contact details on the first page of this document ▇▇▇▇▇▇ ▇▇▇▇▇▇▇ Director email ▇▇▇▇▇▇▇▇▇▇▇▇▇@▇▇▇▇▇▇▇▇▇▇▇▇▇▇▇▇▇.▇▇.▇▇ 01225 707575 document. You may be entitled to refer the matter subsequently to the Financial Ombudsman Service. You can contact the Financial Ombudsman Service by telephone on ▇▇▇▇ ▇ ▇▇▇ ▇▇▇ and further information is available at ▇▇▇▇://▇▇▇.▇▇▇▇▇▇▇▇▇-▇▇▇▇▇▇▇▇▇.▇▇▇.▇▇/. If you do decide to refer any matter to the Financial Ombudsman Service your legal rights will not be affected. We will provide a summary of our complaints handling procedures should you make a complaint which we cannot resolve informally and at any other time, upon your request. We are covered by the Financial Services Compensation Scheme. You may be entitled to compensation from the scheme if we cannot meet our obligations. This depends on the type of business and the circumstances of the claim. Insurance advising and arranging is covered for 90% of the claim, without any upper limit. For compulsory classes of insurance, insurance advising and arranging is covered for 100% of the claim, also without any upper limit. The compensation scheme does not apply to consumer credit. Further information about compensation scheme arrangements is available from the FSCS on 0800 678 1100 or 020 7741 4100 or by visiting ▇▇▇▇://▇▇▇.▇▇▇▇.▇▇▇.▇▇/ We are obliged to report to the National Crime Agency any suspicion of money laundering or terrorist financing activity and we are prohibited from disclosing any such report. It is the responsibility of the insured to ensure that all sums insured and policy limits are adequate. Whilst we seek to assist in establishing and maintaining insured values and indemnity limits we cannot accept responsibility for their accuracy. It is strongly recommended that the appropriate Professional (e.g. Surveyor/Accountant) be consulted to ensure that the sums insured and limits under the policy are suitable. As insurance brokers brokers, where we generally issue an insurance policy on an insurer with whom we have binding authority, we act as the agent of the insurer. Where we issue a policy on an insurer where we do not have binding authority, we act as your agent in advising you, arranging your insurance and assisting you in the event of a claim. In certain circumstances we may act for and owe duties of care to insurers and/or other parties. Where we become aware of any actual or potential conflict of interest, we will inform you of the situation, the options available to you and obtain your consent before we proceed. The insurers we use are regulated and are required to have adequate capital resources. However, we cannot guarantee the solvency of any insurer we place business with. An insolvent insurer may be unable to pay claims or may be unable to pay them in full and you may have to pay a further premium to pay for alternative insurance cover.

Appears in 1 contract

Sources: Terms of Business Agreement

PROTECTING YOUR INFORMATION. All personal information about you will be treated as private and confidential (even when you are no longer a customer) ), except where the disclosure is made at your request or with your consent in relation to administering your insurance or where we are required by law to disclose it. We will use your information in relation to setting up and administering your insurance and any related credit arrangementslaw. Some or all of the information you supply to us in connection with your insurance proposal or application for credit may be passed to insurance and other companies for underwriting, claims and premium collection purposes. Your data will be held in accordance with the Data Protection Act 1998▇▇▇ ▇▇▇▇, under which you have a right of access to see personal information about abou t you that is held in our records, whether electronically or manually. If you have any queries, please contact uswrite to the Data Protection Officer at our address (section “About Us”). We and/or the insurers and/or or credit providers may use publicly available data from a variety of sources, including credit reference refere nce agencies and other external organisations to verify your identity or creditworthiness, creditworthiness to avoid fraud, fraud and to obtain beneficial quotes and payment options on your behalf. Each of the these searches may appear on your credit report whether or not your application proceeds. Please refer By agreeing to these terms and conditions you agree to these uses of your policy summary or information. We will not make your policy document details available to other parties for marketing purposes, but we and other companies also owned by Ripe Thinking Limited, may contact you to keep you informed of our and partners latest products and services. We use Industry standard encryption technologies when transferring and receiving customer data exchanged with our web site. Your Insurance Booklet includes a claims procedure, which tells you what steps you should take if you need wish to notify make a claim. You should contact us must notify the Claims Department of a claim or the insurer direct as soon as you become aware of any incident circumstance which could may give rise to a claim as soon as possible. You will be provided with every assistance in submitting a claim and seek ing reimbursement. Full premiums are due before settlement of any claim. If in doubt about whom We, the insurer or claims handler shall be entitled (but not obliged) without notice to you, to set off any amounts due from you should contactagainst any amounts which we, the insurer or if you require our assistance in relation to a claim or potential claim please contact us. Please refer to our tariff of administration charges for fees payable under this Terms of Business Agreement. These charges apply if you instruct us to arrange insurance, carry out a mid-term adjustment, renewal, cancellation or other work claims handler may receive on your behalfbehalf (such as claims monies, refunded premiums and other sums). If you pay your premium by instalments we shall inform you Full premiums are due before settlement of any additional fees, charges or interest as part of your credit arrangements. You are entitled, at any time, to request information regarding any commission which we may have received as a result of placing your insurance business or arranging premium financeclaim. Prior to your premium being forwarded to the insurer (or forwarded to you in insurer, and for your protection, the event of a premium refund) we administrator will hold your money as an agent of the insurer with in which case your policy is treated as being paid for. Annual Premium Premiums for Insurance are payable and due at the time of application. You may make payment by cheque, credit card (all major credit/debit cards except American Express are accepted), or Direct Debit. The insurance purchase will not be concluded until payment has been received unless otherwise agreed. If a payment is to be collected by Direct Debit and we arrange have been notified by your insurance. Where we hold premium as the agent bank or building society of the insurer it is regarded as received by the insurer. We may transfer your premiums to the insurer through another party, such as a broker or underwriting agent for the purposes of effecting a transaction. It is our intention to provide a high level of service at all times. However if you have reason failure to make a complaint about payment to us, the insurance will be cancelled and you will be notified. Monthly Premium using Third Party Instalment Facilities If you choose to pay for your insurance premium using our service you should contact us immediately using the contact details on the first page third party supplier, Premium Credit Limited (PCL) of this document ▇Premium Credit House, ▇▇▇▇▇ ▇▇▇▇▇, ▇▇▇▇▇ Director email ▇▇▇, ▇▇▇▇▇▇▇▇▇▇▇▇▇@▇▇▇▇▇▇▇▇▇▇▇▇▇▇▇▇▇.▇▇.▇▇ 01225 707575 You may be entitled to refer the matter subsequently to the Financial Ombudsman Service. You can contact the Financial Ombudsman Service by telephone on , ▇▇▇▇ ▇▇▇, your details will be passed on to them. Any queries or questions about the service provided by PCL should in the first instance be directed to them on +▇▇(▇) ▇▇▇ ▇▇▇ ▇▇▇ and further information is available at ▇▇▇▇://▇▇▇.▇▇▇▇▇▇▇▇▇-▇▇▇▇▇▇▇▇▇.▇▇▇.▇▇/. . Where your policy is paid via PCL and you choose to renew your cover (or we renew your cover pursuant to section “Policy Renewal” of this agreement), we will again continue to pass your details to PCL. If any Direct Debit or other payment due in respect of the credit agreement you enter into with PCL to pay premiums is not met when presented for payment, or if you end the agree ment with PCL, or if you do not enter into a credit agreement with PCL we will be informed of this by PCL. If you do decide not make other arrangements with us or PCL to refer pay your insurance premiums, you acknowledge and agree that we may instruct on your behalf any matter relevant insurer to cancel the Financial Ombudsman Service your legal rights will not be affected. We will provide a summary of our complaints handling procedures should you make a complaint which we cannot resolve informally and at any other time, upon your request. We are covered by the Financial Services Compensation Schemeinsurance. You may still be entitled required to compensation from meet any payments for the scheme if we canperiod of insurance you have received. In assessing your application for credit, PCL will search the public information that a credit reference agency holds about you. The credit reference agency will add details of the search and your application to their record about you whether or not meet our obligationsyour application proceeds. This depends on the type of business and the circumstances of the claim. Insurance advising and arranging is covered for 90% of the claim, without any upper limit. For compulsory classes of insurance, insurance advising and arranging is covered for 100% of the claim, also without any upper limit. The compensation scheme does not apply to consumer credit. Further other information about compensation scheme arrangements is available from you may be used to make credit decisions about you and undertake checks for the FSCS on 0800 678 1100 or 020 7741 4100 or by visiting ▇▇▇▇://▇▇▇.▇▇▇▇.▇▇▇.▇▇/ We are obliged to report to the National Crime Agency any suspicion prevention and detection of money laundering or terrorist financing activity laundering. If your application for credit is accepted, PCL will send you a welco me pack detailing their full terms and we are prohibited from disclosing any such report. It is the responsibility conditions and commence collection of the insured to ensure that all sums insured and policy limits are adequate. Whilst we seek to assist in establishing and maintaining insured values and indemnity limits we cannot accept responsibility for their accuracy. It is strongly recommended that the appropriate Professional (e.g. Surveyor/Accountant) be consulted to ensure that the sums insured and limits under the policy are suitable. As insurance brokers we generally act as your agent in advising you, arranging your insurance and assisting you in the event of a claim. In certain circumstances we may act for and owe duties of care to insurers and/or other parties. Where we become aware of any actual or potential conflict of interest, we will inform you of the situation, the options available to you and obtain your consent before we proceed. The insurers we use are regulated and are required to have adequate capital resources. However, we cannot guarantee the solvency of any insurer we place business with. An insolvent insurer may be unable to pay claims or may be unable to pay them in full and you may have to pay a further premium to pay for alternative insurance coverinstalments.

Appears in 1 contract

Sources: Terms of Business Agreement

PROTECTING YOUR INFORMATION. All We take your privacy extremely seriously and we will only use your personal details in line with our Privacy Notice. Please read our Privacy Notice carefully, which is displayed on all our websites and contact us immediately if you have any queries. Where necessary, for example where we would like to use your data for some marketing purposes, we shall ask for your specific consent to do so. Your personal information about includes all of the details you have given us to process your insurance policy (we will not ask for more information than is necessary). We may share your data with Third Parties for the provision and ongoing performance of your insurance policy. Your data may be treated as private and confidential (even when you are no longer a customer) except where transferred outside the disclosure is made at your request or with your consent or where we are required by law to disclose itUK. We will use not sell, rent, or trade your information in relation to setting up and administering your insurance and data under any related credit arrangementscircumstances. Some or all All of the personal information you supply to us in connection with your insurance proposal or application for credit may be passed to insurance and other companies for underwriting, claims and premium collection purposes. Your data will be held handled strictly in accordance with the applicable Data Protection Act 1998, under which you have a right of access to see personal information about you that is held in our records, whether electronically or manually. If you have any queries, please contact us. We and/or the insurers and/or credit providers may use publicly available data from a variety of sources, including credit reference agencies regulations and other external organisations to verify your identity or creditworthiness, to avoid fraud, and to obtain beneficial quotes and payment options on your behalf. Each of the searches may appear on your credit report whether or not your application proceedslegislation. Please refer to your policy summary or your policy document documentation if you need to notify a claim. You should contact us or the insurer direct as soon as you become aware of any incident which could give rise to a claim. If in doubt about whom you should contact, or if you require our assistance in relation to a claim or potential claim claim, please contact us. Please refer to our tariff of administration charges We may charge you for fees payable under this Terms of Business Agreementthe work incurred in handling your insurances. These charges apply if you instruct us to arrange insurance, carry out a mid-term adjustment, renewal, cancellation cancellation, or other work on your behalf. Any additional charges, if applicable, will always be agreed with you in advance of them becoming due. • New business - £0 to £50 (the applicable fee will be displayed on the quote before buying) • Mid-term amendments - £15 • Cancellations - £15 • Renewals - £0 to £50 (the applicable fee will be displayed on the quote before buying) • Employers Liability Insurance Cancellations - 5% of the Employers Liability Insurance premium paid (if you fail to provide ERN details within the 14 day period). When we sell you a policy the insurer pays us a percentage commission from the total premium that you are charged. If you the type of policy we sell reaches specific profit targets, the insurer may also pay your premium by instalments we shall inform you of any us an additional fees, charges or interest as part of your credit arrangementsbonus. You are entitled, at any time, to request information regarding any commission which we may have received as a result of placing your insurance business or arranging premium financebusiness. Prior Please be assured that at no time will the way in which we are remunerated conflict with our responsibilities to meet your premium being forwarded needs and treat you fairly. In respect of some classes of insurance we may operate block insurance arrangements in order to the insurer (or forwarded to you in the event provide competitive terms. This is where we place all insurances of a premium refund) certain type with one insurer who can provide particularly competitive terms for all our customers. On occasions it will be necessary for us to transfer such blocks from one insurer to another where this is beneficial for our clients. This Terms of Business Agreement constitutes both your acceptance that we hold may do this and your prior request for us so to do. We are governed by strict rules regulating client money as an agent of set down by the insurer with which we arrange your insuranceFCA. Monies paid by you to us, or received by us to be paid to you, will be held in Statutory Trust bank accounts. Where we hold premium monies in Statutory Trust bank accounts, we may earn interest on monies held which will be retained by us. We hold the majority of our client money in Statutory Trust Bank accounts. This means that Client Money is held separately from our own money in accounts with an approved bank and designated as the Statutory Trust accounts. We act as trustees of client money and must meet certain legal and regulatory conditions. We are not permitted to, and do not, use client money balances to provide credit for other clients or potential clients. The majority of client money held by us is held as agent of the insurer it insurers. This means that premiums are treated as being received by insurers when received in our bank account and that any claims money or premium refund is regarded treated as received by the you when it is actually paid over to you. Advise us if you wish to know whether your premium will be held by us as agent of an insurer. We may transfer your premiums to the insurer through another party, such as a broker or underwriting agent for the purposes of effecting a transaction. It is our intention to provide a high level of service at all times. However However, if you have reason to make a complaint about our service you should contact us immediately using the contact details on the first page of this document ▇▇▇▇▇▇ ▇▇▇▇▇▇▇ Director email ▇▇▇▇▇▇▇▇▇▇▇▇▇@▇▇▇▇▇▇▇▇▇▇▇▇▇▇▇▇▇.▇▇.▇▇ 01225 707575 document. You may be entitled to refer the matter subsequently to the Financial Ombudsman Service. You can contact the Financial Ombudsman Service by telephone on ▇▇▇▇ ▇▇▇ ▇▇or online and further information is available at ▇▇▇▇://▇▇▇.▇▇▇▇▇▇▇▇▇-▇▇▇▇▇▇▇▇▇.▇▇▇.▇▇/. If you do decide to refer any matter to the Financial Ombudsman Service your legal rights will not be affected. We will provide a summary of our complaints handling procedures should you make a complaint which we cannot resolve informally and at any other time, upon your request. We are covered by the Financial Services Compensation Scheme. You may be entitled to compensation from the scheme if we cannot meet our obligations. This depends on the type of business and the circumstances of the claim. Insurance advising and arranging is covered for 90% of the claim, without any upper limit. For compulsory classes of insurance, insurance advising and arranging is covered for 100% of the claim, also without any upper limit. The compensation scheme does not apply to consumer credit. Further information about compensation scheme arrangements is available from the FSCS on 0800 678 1100 or 020 7741 4100 or by visiting ▇▇▇▇://▇▇▇.▇▇▇▇.▇▇▇.▇▇/ We are obliged to report to the National Crime Agency any suspicion of money laundering or terrorist financing activity and we are prohibited from disclosing any such report. It is the responsibility of the insured to ensure that all sums insured insured, and policy limits are adequate. Whilst we seek to assist in establishing and maintaining insured values and indemnity limits we cannot accept responsibility for their accuracy. It is strongly recommended that the appropriate Professional (e.g. e.g., Surveyor/Accountant) be consulted to ensure that the sums insured and limits under the policy are suitable. As insurance brokers we generally act as your agent in advising you, arranging your insurance and assisting you in the event of a claim; we will always act honestly, fairly, and professionally ensuring your best interests are our priority. In certain circumstances we may act for and owe duties of care to insurers and/or other parties. Where we become aware of any actual or potential conflict of interestinterest with our duty to you, we will inform you of the situation, situation and the options available to you and obtain your consent before we proceed. The insurers we use are regulated and are required to have adequate capital resources. However, we cannot guarantee the solvency of any insurer we place business with. An insolvent insurer may be unable to pay claims or may be unable to pay them in full and you may have to pay a further premium to pay for alternative insurance cover.

Appears in 1 contract

Sources: Terms of Business Agreement

PROTECTING YOUR INFORMATION. All personal information about you will be treated as private and confidential (even when you are no longer a customer) ), except where the disclosure is made at your request or with your consent in relation to administering your insurance or where we are required by law to disclose it. We will use your information in relation to setting up and administering your insurance and any related credit arrangementslaw. Some or all of the information you supply to us in connection with your insurance proposal or application for credit may be passed to insurance and other companies for underwriting, claims and premium collection purposes. Your data will be held in accordance with the Data Protection Act 1998▇▇▇ ▇▇▇▇, under which you have a right of access to see personal information about you that is held in our records, whether electronically or manually. If you have any queries, please contact uswrite to the Data Protection Officer at our address (section “About Us”). We and/or the insurers and/or or credit providers may use publicly available data from a variety of sources, including credit reference agencies and other external organisations to verify your identity or creditworthiness, creditworthiness to avoid fraud, fraud and to obtain beneficial quotes and payment options on your behalf. Each of the these searches may appear on your credit report whether or not your application proceeds. Please refer By agreeing to these terms and conditions you agree to these uses of your policy summary or information. We will not make your policy document details available to other parties for marketing purposes, but we and other companies also owned by The JRW Group Ltd, may contact you to keep you informed of our and partners latest products and services. We use Industry standard encryption technologies when transferring and receiving customer data exchanged with our web site. Your Insurance Booklet includes a claims procedure, which tells you what steps you should take if you need wish to notify make a claim. You should contact us must notify the Claims Department of a claim or the insurer direct as soon as you become aware of any incident circumstance which could may give rise to a claim as soon as possible. You will be provided with every assistance in submitting a claim and seeking reimbursement. Full premiums are due before settlement of any claim. If in doubt about whom We, the insurer or claims handler shall be entitled (but not obliged) without notice to you, to set off any amounts due from you should contactagainst any amounts which we, the insurer or if you require our assistance in relation to a claim or potential claim please contact us. Please refer to our tariff of administration charges for fees payable under this Terms of Business Agreement. These charges apply if you instruct us to arrange insurance, carry out a mid-term adjustment, renewal, cancellation or other work claims handler may receive on your behalfbehalf (such as claims monies, refunded premiums and other sums). If you pay your premium by instalments we shall inform you Full premiums are due before settlement of any additional fees, charges or interest as part of your credit arrangements. You are entitled, at any time, to request information regarding any commission which we may have received as a result of placing your insurance business or arranging premium financeclaim. Prior to your premium being forwarded to the insurer (or forwarded to you in insurer, and for your protection, the event of a premium refund) we administrator will hold your money as an agent of the insurer with in which case your policy is treated as being paid for. Annual Premium Premiums for Insurance are payable and due at the time of application. You may make payment by cheque, credit card (all major credit/debit cards except American Express are accepted), or Direct Debit. The insurance purchase will not be concluded until payment has been received unless otherwise agreed. If a payment is to be collected by Direct Debit and we arrange have been notified by your insurance. Where we hold premium as the agent bank or building society of the insurer it is regarded as received by the insurer. We may transfer your premiums to the insurer through another party, such as a broker or underwriting agent for the purposes of effecting a transaction. It is our intention to provide a high level of service at all times. However if you have reason failure to make a complaint about payment to us, the insurance will be cancelled and you will be notified. Monthly Premium using Third Party Instalment Facilities If you choose to pay for your insurance premium using our service you should contact us immediately using the contact details on the first page third party supplier, Premium Credit Limited (PCL) of this document ▇Premium Credit House, ▇▇▇▇▇ ▇▇▇▇▇, ▇▇▇▇▇ Director email ▇▇▇, ▇▇▇▇▇▇▇▇▇▇▇▇▇@▇▇▇▇▇▇▇▇▇▇▇▇▇▇▇▇▇.▇▇.▇▇ 01225 707575 You may be entitled to refer the matter subsequently to the Financial Ombudsman Service. You can contact the Financial Ombudsman Service by telephone on , ▇▇▇▇ ▇▇▇, your details will be passed on to them. Any queries or questions about the service provided by PCL should in the first instance be directed to them on +▇▇(▇) ▇▇▇ ▇▇▇ ▇▇▇▇. Where your policy is paid via PCL and you choose to renew your cover (or we renew your cover pursuant to section “Policy Renewal” of this agreement), we will again continue to pass your details to PCL. If any Direct Debit or other payment due in respect of the credit agreement you enter into with PCL to pay premiums is not met when presented for payment, or if you end the agreement with PCL, or if you do not enter into a credit agreement with PCL we will be informed of this by PCL. If you do not make other arrangements with us or PCL to pay your insurance premiums, you acknowledge and agree that we may instruct on your behalf any relevant insurer to cancel the insurance. You may still be required to meet any payments for the period of insurance you have received. In assessing your application for credit, PCL will search the public information that a credit reference agency holds about you. The credit reference agency will add details of the search and your application to their record about you whether or not your application proceeds. This and other information about you may be used to make credit decisions about you and undertake checks for the prevention and detection of money laundering. If your application for credit is accepted, PCL will send you a welcome pack detailing their full terms and conditions and commence collection of instalments. A credit agreement will be included for you to sign and return. PCL may begin collecting your Direct Debits before you return your signed credit agreement to pay for any insurance cover you are receiving. If you have any questions about your instalments, contact PCL on +▇▇(▇)▇▇and further information is available at ▇▇▇ ▇▇▇▇://▇▇▇.▇▇▇▇▇▇▇▇▇. On renewal of your insurance policy we will continue to pass your details to PCL unless you instruct us otherwise. Please read carefully the pre-▇▇▇▇▇▇▇▇▇.▇▇▇.▇▇/. If you do decide to refer contractual explanations and the information regarding the cost of credit (including any matter representative examples). Together they provide important information in relation to the Financial Ombudsman Service your legal rights will not credit facility available from PCL. To use PCL’s facility you must be affectedresident in the UK, aged 18 years or over and hold a bank or building society account which can support Direct Debit payments. We will provide a summary of our complaints handling procedures should you make a complaint which we cannot resolve informally and at any other time, upon your request. We are covered by the Financial Services Compensation Scheme. You may be entitled to compensation from the scheme if we cannot meet our obligations. This depends on the type of business and the circumstances of the claim. Insurance advising and arranging is covered for 90% of the claim, without any upper limit. For compulsory classes of insurance, insurance advising and arranging is covered for 100% of the claim, also without any upper limit. The compensation scheme does not apply to consumer credit. Further information about compensation scheme arrangements Credit is available from the FSCS on 0800 678 1100 or 020 7741 4100 or by visiting ▇▇▇▇://▇▇▇subject to status.▇▇▇▇.▇▇▇.▇▇/ We are obliged to report to the National Crime Agency any suspicion of money laundering or terrorist financing activity and we are prohibited from disclosing any such report. It is the responsibility of the insured to ensure that all sums insured and policy limits are adequate. Whilst we seek to assist in establishing and maintaining insured values and indemnity limits we cannot accept responsibility for their accuracy. It is strongly recommended that the appropriate Professional (e.g. Surveyor/Accountant) be consulted to ensure that the sums insured and limits under the policy are suitable. As insurance brokers we generally act as your agent in advising you, arranging your insurance and assisting you in the event of a claim. In certain circumstances we may act for and owe duties of care to insurers and/or other parties. Where we become aware of any actual or potential conflict of interest, we will inform you of the situation, the options available to you and obtain your consent before we proceed. The insurers we use are regulated and are required to have adequate capital resources. However, we cannot guarantee the solvency of any insurer we place business with. An insolvent insurer may be unable to pay claims or may be unable to pay them in full and you may have to pay a further premium to pay for alternative insurance cover.

Appears in 1 contract

Sources: Terms of Business Agreement