Terms & Conditions

INFORMATION ABOUT US

Insuranceresource.co.uk is operated by Insurance Resource Ltd, a company registered in England and Wales under registration number 548427 and our address is Daneway Granary, Rectory Farm Barns, Barton Road, Lower Gravenhurst, MK45 4JR. If you have any questions, complaints or comments about this Website then you may contact us at admin@insuranceresource.co.uk

SERVICES

Insurance Resource Ltd is an independent company, which owns the copyright to www.insuranceresource.co.uk website and these terms and conditions ("General Terms and Conditions") set out the terms upon which we permit you ("User") to access and use it. By using the Website you agree to be bound by these General Terms and Conditions. The Website provides information to professionals within the financial and healthcare adviser industry and provides software, which enables Users to compare healthcare insurance products made available via insuranceresource.co.uk. From time to time and to generate benefit comparisons for such products and to receive and take training courses provided by insurers on any aspect that is seen fit to relate to the subject matter of private medical insurance.

DISCLAIMER

Without prejudice to your statutory rights, you access and use the Website entirely at your own risk. Except as stated in these terms we make no representations or warranties in respect of the Website, its contents or performance and all conditions and warranties that might otherwise be implied by statute (including for the avoidance of doubt, fitness for purpose or satisfactory quality) are excluded to the fullest extent permitted by law. In particular we do not accept responsibility for any material submitted by third parties including, for the avoidance of doubt, news articles under the title "News". By providing a Directory of Insurers, we are not making any representations as to the suitability of any Insurer, or recommending the use of such Insurer over any other insurer not so listed. We are not a party to any transaction between you and the Insurer. By using an Insurer you acknowledge and agree that we are only an intermediary (in that we facilitate your receipt of services from an Insurer) and that we do not accept responsibility for the accuracy or suitability of any information or advice provided by that Insurer. In addition we do not promise that this Website will always be available or that its operation will be error free, nor do we accept responsibility for any adverse effects of accessing it, or downloading material from it. This includes adverse effects resulting from the downloading of viruses; the loss of or corruption to material that is downloaded or of any programs or data already on your system; and Website-browser incompatibility problems.

USE OF THE WEBSITE

You may save and print individual items included on the Website. In printing any Material all copyright and proprietary notices must be kept intact. You may not modify or use the Material for any other purpose without our express written consent. (Modification of the excel and or CSV files is acceptable however proprietary notices must be kept intact). You may download any software made expressly available to you on the Website but you may not reproduce, reword, publish, publicly exhibit or distribute any such software without our express written consent.

INTELLECTUAL PROPERTY RIGHTS

All intellectual property rights (including, without limitation, copyright and rights in and to any databases (including for the avoidance of doubt, the directory of insurers), Materials and trade marks subsisting in this Website and its contents, and in the software and source materials used in connection with it, are owned by us or our licensors. All such rights are reserved. You understand that all information, data, text, music, sound, photographs, graphics, video, messages or other materials ("Content"), whether publicly posted or privately transmitted, are the sole responsibility of the person from whom such Content originated. This means that you, and not insuranceresource.co.uk, are entirely responsible for all Content that you upload to, post on or otherwise transmit via this Website. insuranceresource.co.uk does not control all the Content posted on the Website and, as such, does not guarantee the accuracy, integrity or quality of such Content.

PERSONAL INFORMATION

Any personal information provided to, or gathered by, insuranceresource.co.uk is controlled by Insurance Resource Ltd The information provided by users helps us personalise and continually improve your experience at insuranceresource.co.uk. We use the information to deliver services, process payments, communicate with you about services and promotional offers, update our records and generally maintain your accounts with us. We also use this information to improve prevent or detect fraud or abuses of our website and enable third parties to carry out technical, logistical or other functions on our behalf. Information that you give us may be from time to time passed to our business partners for analysis and reporting purposes.

INFORMATION YOU GIVE US

We receive and store any information you enter on our website or give us in any other way. You may choose not to provide certain information but then you might not be able to take advantage of our services and features. Although we use stringent security measures and take all reasonable steps to protect your personal and financial information, the Internet is a public network. Accordingly, we cannot guarantee that any form of payment via the Internet is absolutely secure or that a third party will not be able to access or intercept such payment information. In addition, we disclaim any responsibility for the security of any information transmitted via the Internet. We reserve the right to take all reasonable measures to detect and prevent fraud. For security purposes, we may view, monitor, and record activity at insuranceresource.co.uk without notice or permission from you. Any information obtained by monitoring, reviewing, or recording may be subject to review by law enforcement organisations in connection with investigation or prosecution of possible criminal activity on insuranceresource.co.uk. We will also comply with all court orders involving requests for such information. Actual or attempted fraud or other unauthorised use of insuranceresource.co.uk and/or service may result in criminal and/or civil prosecution and immediate termination of your registration. We maintain physical, electronic and procedural safeguards in connection with the collection, storage and disclosure of personally identifiable customer information. Our security procedures mean that in line with the Data Protection Act 1998, we may occasionally request proof of identity before we disclose personal information to you. It is important for you to protect against unauthorised access to your password and to your computer and we would ask you to ensure that you sign off when you finish using a shared computer.

YOUR ACCOUNT

If you use the website, you are responsible for maintaining the confidentiality of your account and password and for restricting access to your computer to prevent unauthorised access to your account. You agree to accept responsibility for all activities that occur under your account or password. You should take all necessary steps to ensure that the password is kept confidential and secure and should inform us immediately if you have any reason to believe that your password has become known to anyone else, or if the password is being, or is likely to be, used in an unauthorised manner. Please ensure that the details you provide us with are correct and complete and inform us immediately of any changes to the information that you provided when registering. You can access and update much of the information you provided us with in the your profile area of the website. Insurance Resource Ltd reserves the right to refuse access to the website, terminate accounts, remove or edit Content at our discretion.

SUBSCRIPTION TERMS AND CONDITIONS

If you do not agree with any part of these terms and conditions do not place an order. If you have any questions please contact our customer services team (Tel: 01462 711 978 or email: info@insuranceresource.co.uk)

CONTRACTING PARTY

Your subscription will be fulfilled by Insurance Resource Ltd, a company registered in England and Wales under registration number 548427 and our address is Daneway Granary, Rectory Farm Barns, Barton Road, Lower Gravenhurst, Beds MK45 4JR. If you have any questions, complaints or comments about this Website then you may contact us at insuranceresource.co.uk

WHEN THE SUBSCRIPTION CONTRACT IS FORMED

When you click "Submit Order" to submit your order on-line, or you fax, post or telephone us with details of your order, you are making an offer to take out a subscription which if accepted by us, will result in a binding contract. If placing your order on-line your credit/debit card will be debited when you click "Submit Order". You will either see a page or receive an email if you have supplied your email address acknowledging that your order has been received successfully and fulfilled and is being processed, the contract between us is not formed at this point. We reserve the right not to accept or process your order for any reason. All orders are subject to validation checks and authorisation by your payment card issuer. If we do not accept your order and your credit/debit card has already been debited, we will notify you and refund your card in full immediately.

RIGHT TO REFUSE ORDERS

We reserve the right not to fulfill and to cancel orders: In the event of obvious inaccuracies in prices, except that we may fulfil your order at the correct price, or if we are unable to obtain payment authorisation from the issuer of your payment card. Where such delay or failure in service is due to circumstances beyond our control or the control of our sub%u2013contractors and agents, including but not restricted to war, electricity power failure, utilities failure, failure of telecommunications links, failure of transport infrastructure, fire, flood, government act, act of God, legislative constraints, strikes, labour disputes or malicious damage involving employees.

CANCELLATIONS AND REFUNDS

You may cancel your subscription contract at any time during the subscription period by notifying our customer services team in writing. See contact details below. We will however not refund you the cost of the period between date of cancellation and renewal date of your registration

PRICE INFORMATION

Prices displayed on the subscriptions section of the website will prevail at all times in relation to orders placed on-line and are subject to variation without prior notification You either make a one-off payment for a one year subscription or pay for a one year subscription by ongoing monthly payments. If you make ongoing installment payments we reserve the right to increase our prices at any time after the first year of your subscription has elapsed and will notify you in writing with 10 days prior notice of any such price increase. Although we try to ensure that all prices are accurate, errors may occur. If we discover an error in the price of your order, we will inform you as soon as possible. You will have the option of reconfirming your order at the correct price or cancelling it. If we are unable to contact you, we will treat the order as cancelled. We will refund you in full if you cancel the order and have already paid.

CREDIT CARD PAYMENT

If you are not using your own credit/debit card to pay for the subscription, you must ask the permission of the credit/debit card holder before entering the payment details. By clicking "Submit" you are confirming that you have obtained the express prior permission of the credit/debit card holder.

THIRD PARTY RIGHTS

A person who is not a party to these Terms and Conditions shall have no right under the Contracts (Rights of Third Parties) Act 1999 to enforce or rely upon any provision of them.

LIMITATIONS OF LIABILITY

To the fullest extent permitted by law we will not be liable for loss or damage arising out of or in connection with the use of or inability to use the Material offered by insuranceresource.co.uk or arising from use of the services of an Insurer, including but not limited to, indirect or consequential loss or damage, loss of data, income or profit and claims by third parties.

MISCELLANEOUS

We reserve the right to assign or transfer all or any of our rights and obligations under these terms to any third party. However, you must not assign, transfer or delegate any of your rights or obligations under them without our prior written consent. We reserve the right to vary these terms from time to time. If we do so we will update the Terms and Conditions appearing on the website insuranceresource.co.uk, which will then apply to any subsequent use by you of insuranceresource.co.uk Nothing in these terms affects your statutory rights. These terms shall in all respects be governed by and construed in accordance with English Law and you submit to the exclusive jurisdiction of the English Courts provided that for purposes of enforcement of any judgment of the English courts the jurisdiction shall be non-exclusive. If any term in these terms and conditions is invalid or unenforceable that shall not affect the validity or enforceability of the remaining terms and conditions Definitions
"Website" means the website located at url: www.insuraceresource.co.uk
"Material" means information, software, documentation data, artwork, text, application forms and any other materials. "Insurer" A provider of Insurance products as detailed in the "directory of insurers"
"Adviser" means any FCA approved adviser.
"FCA" means the Financial Conduct Authority.
"News" Any information as detailed and provided by insuranceresource.co.uk
"User" Any individual who is registered and approved to use insuranceresource.co.uk References to "we", "our" or "us" refer to Insurance Resource Ltd.

LINKS

Any links which may be included on this Website to other Websites have been included for your convenience only. The inclusion of a link does not imply that we endorse or accept any responsibility for the linked Website, its contents or its provider. Access to a linked Website will be subject to that Website's own terms and conditions, to which you should refer.

Contact Details

Contact Information Customer Service Team:-
Insurance Resource Ltd
Daneway Granary,
Rectory Farm Barns,
Barton Road,
Lower Gravenhurst,
MK45 4JR
Mob: 07930 331807

Email: support@insuranceresource.co.uk

Update: 30 Aug 2005