Terms & conditions
Please read the details set out below carefully before using this website (the "Site").
By accessing this Site, you agree to be bound by the following terms and conditions
and disclaimers (the “Terms”).
References to ‘you’, ‘your’ and ‘yours’ are
references to the person(s) accessing the Site.
References to ‘we’, ‘us’ and ‘our’ are references
to Direct Insurance.
Terms
All our products and services are subject to the terms and conditions and disclaimers
of the applicable agreement governing their use.
These Terms are to be read by you together with any terms, conditions and disclaimers
provided in the pages of the Site. In particular, these Terms must be read in conjunction
with the Terms of Business Agreements for the products available on this Site:
In the event of any conflict, the terms, conditions and disclaimers provided in
the pages of the Site shall prevail over these Terms and the Terms of Business Agreement.
The information, material and content provided in the pages of the Site may be changed
at any time without notice. Changes may be made to the Terms and the Terms of Business
Agreement at any time without notice by updating this posting. You agree to review
the Terms regularly and your continued access to or use of the Site will mean that
you agree to any changes.
No Offer
Neither the information, nor any opinion contained in our Site constitutes an offer
to sell or solicitation or an offer to buy any financial instruments or any advice
or recommendation with respect to such financial instruments.
Users
The Site is currently intended for those who access it from within the United Kingdom
only. Because of this we cannot guarantee that the Site or the information thereon
complies with or is appropriate for use in other places.
You are wholly responsible for use of the Site by any person using your computer
and you must ensure that any such person complies with these Terms.
No Warranties
The following clauses exclude or limit our legal liability for the Site. You should
read them carefully.
Whilst we have taken reasonable steps to ensure the accuracy, currency, availability,
correctness and completeness of the information contained on the Site, information
is provided on an “as is”, “as available” basis and we do
not give or make any warranty or representation of any kind, whether express or
implied. The use of the Site is at your sole risk. We shall not be liable for any
loss or damage whatsoever and howsoever arising as a result of your use of or reliance
on the information contained on the Site to the maximum extent permitted by law.
We do not represent or warrant that the Site will be available and meet your requirements,
that access will be uninterrupted, that there will be no delays, failures, errors
or omissions or loss of transmitted information, that no viruses or other contaminating
or destructive properties will be transmitted or that no damage will occur to your
computer system. You have sole responsibility for adequate protection and back up
of data and/or equipment and for undertaking reasonable and appropriate precautions
to scan for computer viruses or other destructive properties.
We make no representations or warranties regarding the accuracy, functionality or
performance of any third party software that may be used in connection with the
Site.
Third Party Sites and Warranties
Where we provide hypertext links to other locations on the Internet, we do so for
information purposes only. We are not responsible for the content of any other websites
or pages linked to or linking to this Site. We have not verified the content of
any such websites. Following links to any other websites or pages shall be at your
own risk and we shall not be responsible or liable for any damages or in other way
in connection with linking. Links to downloadable software sites are for convenience
only and we are not responsible or liable for any difficulties or consequences associated
with downloading the software. Use of any downloaded software is governed by the
terms of the licence agreement, if any, which accompanies or is provided with the
software.
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 Site.
Internet E-mail
Messages sent over the Internet cannot be guaranteed to be completely secure as
they are subject to possible interception or loss or possible alteration. We are
not responsible for them and will not be liable to you or anyone else for any damages
or otherwise in connection with any message sent by you to us or any message sent
by us to you over the Internet.
Trade Marks and Copyright
Copyright in the pages screens, information and material in their arrangement included
in this Site is owned and managed by Direct Insurance unless otherwise noted. You
may imprint, copy, download or temporarily store extracts from our Site for your
personal information or when you use our products and services. You must not alter
anything. Any other use is prohibited unless you first get our written permission.
In particular no one may use a part of our Site on any other website, or link any
other website to our Site, without our prior written permission.
Data Protection
We may as a result of your interaction with the Site hold and process personal information
obtained about you when you access the Site and use it for servicing our relationship
with you, for the purposes of fraud prevention and debt collection, to understand
your financial needs, to conduct our business and to provide you with better customer
services and products from Direct Insurance and those of selected third parties,
to evaluate the effectiveness of our marketing of the Site and for statistical analysis.
We may pass this information to agents and third parties, as permitted by law, so
that they may do the same and they may pass information held by them about you to
us so that we may do the same.
We will not disclose any such information outside of Direct Insurance except for
fraud prevention purposes and/or if required/obliged by law or Governmental or judicial
bodies or agencies or to our regulators under proper authority, or under a strict
code of secrecy to third parties, sub-contractors or persons acting as our agents
or where we have your consent or have previously informed you.
We may also in connection with the above and the provision of the Site transfer
your personal data to countries outside the European Union (EU) which may not provide
the same level of protection for personal data as within the EU. However, all personal
data wherever it is held in UKFIS Limited or by its sub-contractors or agents
will be afforded a high level of protection against any authorised or accidental
disclosure, access or deletion. By agreeing to these Terms you agree to such data
being so used and that it may be transmitted to others as stated above.
Governing Law
The Terms are governed by and interpreted in accordance with the laws of England
and Wales and the courts of the above jurisdiction will have exclusive jurisdiction
in respect of any dispute, which may arise.
Downloading Information
Any material and/or data downloaded or obtained through the use of this website
or any of the websites mentioned in this website is at your own discretion and risk,
and you will be solely responsible for any damage to your computer systems or loss
of data that results from the downloading of such material and/or data.
This insurance website contains intellectual property and other rights and must
only be used in connection with obtaining insurance in accordance with the notice
provisions.
Status of the Direct Insurance Website
Any insurance which may be arranged for you will be arranged through Direct Insurance
as agent for the insurers concerned.