Terms & Conditions - Supply of Insurance Services.
Last Updated - April 9th 2018
Please contact our Insurance Team for more information on +44(0)207 889 2900 or email email@example.com
It is important that you read and understand these terms and conditions as they contain valuable information and legal facts which will govern our relationship with you. If you have any questions regarding any of our Terms and Conditions please go to our Contact Us page for more information. By using this website and technology you are agreeing to these terms and conditions. If you do not agree to these terms and conditions, please refrain from using the website.
1. Site Contents
1.1 This Site is the website of 'Hatton & Berkeley' and the content of the Site is determined solely by Hatton & Berkeley Global Limited.
1.2 All materials, including images, details, data, illustrations, designs, icons, photographs, video clips, text, software, graphics, scripts, logos, and other materials that are part of the Site (collectively known as the "Contents") are owned exclusively (either directly or indirectly) by Hatton & Berkeley Global Limited and/or its content providers. The Contents are protected by copyright, trademarks, service marks, trade dress and other intellectual or ownership rights owned by Hatton & Berkeley Global Limited. Any rights not expressly granted in the Terms and Conditions are reserved for Hatton & Berkeley Global Limited.
1.3 Hatton & Berkeley, and other Hatton & Berkeley trademarks, logos and designs appearing on any of Hatton & Berkeley Global Limited Websites are the exclusive trademarks and service marks (either directly or indirectly) of the Hatton & Berkeley Global Limited.
1.4 All other trademarks and service marks appearing on any Hatton & Berkeley Global Limited Websites that are not owned by Hatton & Berkeley Global Limited are the property of their respective owners.
2.1 This website and technology have been designed for private individuals or businesses to source products on their own behalf.
Therefore, if you are:
- A private individual wanting to use our website and technology to find competitive prices for the products and services offered within the site on your own behalf and/or on behalf of a close family member; or
- Acting on behalf of a company wanting to use our website and technology to find competitive prices for insurance on behalf of the company; and
- Not involved in any way in searching for insurance products as a business on behalf of a third party; and
you are permitted to use our website and technology.
2.3 Changes may be made to these Terms and Conditions at any time without notice by updating this posting. You agree to review these Terms and Conditions regularly and your continued access to or use of the website will mean you agree to any changes. The amendment to any Terms and Conditions will be effective to the date that they are posted on this website.
2.4 This Site and its Contents may be used solely for your own personal, non-commercial use. Any other use of the Site or the Contents is strictly prohibited, including, without limitation, modification, removal, deletion, transmission, publication, distribution, proxy caching, uploading, posting, redistribution, re-licensing, selling, duplicating, republication or any other dissemination without the express written permission of Hatton & Berkeley Global Limited or the owner. You may not use any framing techniques to enclose any trademarks or logos of Hatton & Berkeley Global Limited nor use any meta tags or other hidden text without our prior written consent. You may not link to the Site without our prior written consent. Use of spiders, robots, and similar data gathering and extraction tools is expressly prohibited.
2.5 You may view and print a copy of the Contents displayed on the Site, and download a copy of any Contents that is designated for downloading, for your personal use only but not alter the Contents in any way, including, without limitation, removing or modifying any copyright or other ownership notes. The rights, title, and interest in the Contents are not transferred to you by copying or downloading the material. The information provided on this Site is free of charge and for informational purpose only and does not create a business or professional services relationship between you and Hatton & Berkeley Global Limited.
3. Online Conduct
3.1 You agree to use the Site only for lawful purposes. You are prohibited from posting or transmitting to or through the Site any unlawful, harmful, threatening, abusive, harassing, defamatory, vulgar, obscene, profane, hateful material, or any other material that could give rise to civil or criminal liability under the law. We may disclose any content or electronic communication of any kind (including your user details or profile, email address and other information) (1) to satisfy any law, regulation, or government request; (2) if the disclosure is necessary or appropriate to operate the Site; or (3) to protect the rights or property of Hatton & Berkeley Global Limited, its affiliates, and you.
4. What We Offer
4.1 Carroll & Partners Ltd insurance brokers will provide you with an insurance policy covering various different classes of insurance (Public Liability, Products Liability, Employers Liability, Professional Indemnity, Third Party Cyber Liability, Directors & Officers, Personal Accident and Legal Expenses). Hatton & Berkeley operates under IAR status and is authorised to do so under FCA guidelines.
5. Your Responsibility
5.1 In order to get a quote through our service, you will need to answer a number of questions which are required by the underlying insurance product providers to enable them to provide a quote. The answers you give will determine the cover you can be offered and the amount you will need to pay for the level of cover you receive. You must get permission from any other people whose details you propose to use in requesting a quote before you provide us with any of their information. This applies to all information that you provide, but especially sensitive data like health information or criminal proceedings or convictions. In submitting any other person’s details, you are confirming to us that you have their permission to do so and that they understand how their information will be used.
5.2 It is your responsibility to ensure that all information you provide is true, accurate and complete and that you disclose all relevant and material facts. Failure to do so could lead to a product being unsuitable, claim being declined or a product being terminated by the provider. We cannot be held responsible if as a result of your error in providing correct information, or from a failure to disclose all material facts to us or your selected provider that the product is unsuitable, a claim is declined or the product is terminated.
5.3 It is important that you read all of the information that is provided to you, including for insurance products the policy summary and policy terms and conditions, and that you agree with them before you proceed to purchase a product. Once you have purchased a policy, it is important that you read all documents issued to you and ensure that you are aware of any levels of cover, financial limits and any other terms that apply. If any information is not correct, it is your responsibility to identify the mistake and correct this with us immediately.
6. Pricing, Refunds or Return Premiums
6.1 Companies change their prices on a regular basis. When you receive your quotes, it will tell you for how long each provider guarantees their price. The price quoted to you will be accurate at the time of issue and may change if your quote is resubmitted. Hatton & Berkeley are unable to offer advice on particular insurance providers or the services that they offer. With your permission, we may refer you to a range of specialist insurance providers which may not be available online.
6.2 If you decide within 14 days of the policy inception that you have made an error and want to cancel the policy ab initio, please contact our customer support team at firstname.lastname@example.org or call us on +44(0)20 7889 2900. A full refund of the premium is allowed within this cooling off period.
7. Mid-term Policy Cancellation, Amending details mid-term
7.1 Whilst you have the right to cancel your policy at any time, the premium has been negotiated based on full annual charges and no return premiums are therefore available more than 14 days after inception. In the unfortunate event that you fail to meet your Direct Debit or Credit Card commitments, then the balance of the premium becomes due immediately. By purchasing this policy you are agreeing to pay in full.
7.2 All personal details can be amended throughout the policy period by either logging into your account online or contacting our customer support team at; email@example.com or call us on +44(0)20 7889 2900. We will then immediately resend your policy schedule if revision is needed.
8. Our Liability to You
8.1 These terms do not exclude our liability to you in any way for personal injury or death caused by our negligence; fraud or fraudulent statements made by one of our employees or agents, or for any matter for which it would be illegal for us to exclude or to attempt to exclude our liability. In addition, we are only liable for losses which are a foreseeable consequence of us breaking this contract. Losses are foreseeable where they could be contemplated by you and us at the time your information is entered onto our website.
8.2 We will not be held responsible for any indirect losses which happen as a side effect of the main loss or damage which you suffer and which are not foreseeable by you and us at the time we enter into this contract, including, but not limited to: loss of income or revenue; loss of business; loss of data; loss of profits or contracts; loss of anticipated savings or waste of management or office time however arising, provided that this provision will not prevent you from bringing claims against us for loss of or damage to your physical property or any other claims for direct financial loss that are not excluded by any of the categories set out above. In no circumstance will we be responsible for any losses which arise in connection with an event or series of events which is/are outside of our reasonable control.
9.1 We aim at all times to provide a first class standard of service. However, there may be occasions when you feel we may not have achieved this. If we fall short of our own high standards then we want you to tell us! At Hatton & Berkeley, we take all complaints seriously and are committed to answering complaints from customers.
9.2 If you do have reason to complain we will aim to resolve your complaint within 24 hours. If we are not able to do so, we will advise you of the situation. Further to investigating your concerns, we will issue you with a final response within 8 weeks. Depending on the nature of your complaint and if you remain dissatisfied with our response, you may have the right to refer your case to the Financial Ombudsman Service at South Quay Plaza, 183 Marsh Wall, London, E14 9SR; telephone: 0845 080 1800; email: firstname.lastname@example.org; website http://www.financial-ombudsman.org.uk/.
9.3 If your complaint is regarding a provider that you have purchased a product through and with whom we put you in touch, then you should address your complaint direct to that company. Hatton & Berkeley cannot accept liability for errors made by the selected provider or answer complaints on their behalf. In such an event we recommend you follow the guidelines provided in their Complaints Procedure.
10. Remedies for Violations
10.1 Hatton & Berkeley Global Limited reserves the right to seek all remedies available at law and in equity for violations of these Terms and Conditions, including but not limited to the right to block access from a particular IP address, claim for loss and claim for usage costs on an indemnity basis.
11. Third Party Links
11.1 Links to third party websites on this website are provided solely for your convenience. If you use these links, you leave this website. Hatton & Berkeley has not reviewed all of these third party websites and does not control and is not responsible for these websites or their content or availability. Hatton & Berkeley there does not endorse or make any representations about them, or any material found there, or any results that may be obtained from using them. If you decide to access any of the third party websites linked to this website, you do so entirely at your own risk.
11.2 You may create links to this website provided you have first obtained permission in writing from Hatton & Berkeley. You shall fully indemnify Hatton & Berkeley for any loss or damage suffered by Hatton & Berkeley for breach of this paragraph.
11.3 No endorsement or approval of any third parties or their advice, opinions, information, products or services is expressed or implied by any information on our website.
12. Website Content
12.1 We have taken every reasonable step to make sure the information contained in this website is accurate and up-to-date. However, we can accept no liability for any errors or omissions. We reserve the right to add, amend or delete information from this site at any time. Whilst we take every reasonable step to counteract viruses and other things with contaminating or destructive properties, we cannot warrant against any damage caused by a third party.
13.1 The material contained in this website is subject to copyright. Any private individual may print off a copy of any part of this material for their own personal use, subject to the following conditions:
- The material may not be used for any commercial purposes;
- The copy must retain any copyright or other intellectual property notices contained in the original material;
- The technology or processes utilised by or described in this website may be subject to other intellectual property rights (please refer to the section headed “Intellectual Property Right” below);
- Images on this website are protected by copyright and may not be reproduced or appropriated in any manner without the written permissions of the copyright owner;
- No logos, trademarks or service marks appearing on the site may be printed off or copied, except as part of the text of which they form a part.
14. Intellectual Property Rights
14.1 All Intellectual Property Rights in the Services shall be owned by Hatton & Berkeley Global Limited or H&B related companies save to the extent that any of the same contain Intellectual Property Rights owned by third parties.
14.2 Hatton & Berkeley Global Limited grants to the Channel Partner a non-exclusive, royalty-free, licence to use and to sub-licence to the Partner’s Hatton & Berkeley Global Limited's Intellectual Property Rights in the Services, strictly for the purpose of receiving the Services in accordance with the provisions of this Agreement. Hatton & Berkeley Global Limited shall not indemnify the Channel Partner against any losses, damages and costs arising from any claim that the Channel Partners use of the Service (including the use The Channel Partners Clients and the Additional Clients make of the Service through the Channel Partner) infringes any Intellectual Property Rights of any third party provided always that if such a claim is made:
14.3 The Channel Partner shall notify Hatton & Berkeley Global Limited of the existence of that claim as soon as is reasonably practicable in the circumstances.
14.4 The Channel Partner shall give Hatton & Berkeley Global Limited all reasonable assistance at their own cost in connection with that claim.
14.5 The Channel Partner shall indemnify Hatton & Berkeley Global Limited against any loss or damage arising from a defence of that claim and all related settlement negotiations.