Terms & Conditions

WEBSITE TERMS AND CONDITIONS
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http://www.policyclear.co.uk/ (our website) is operated by David Roberts & Partners (Insurance Brokers) Limited, a private limited company incorporated and registered in England and Wales with company number 01329408, whose registered office is at Chancery House, Slaidburn Crescent, Southport, Merseyside, PR9 9YF, trading as PolicyClear (“we”, us”, our”). 

 

PolicyClear arranges insurance products for commercial businesses. If you would like to contact us about the terms of use of our website, please contact us at info@policyclear.co.uk, or call 0333 004 4450.

 

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BY USING OUR WEBSITE, YOU ARE AGREEING TO THE FOLLOWING TERMS OF USE


CONTENTS

  1. These terms of use
  2. Your account details
  3. How we may use your personal information
  4. The content on our website
  5. How you may use our website
  6. Communications
  7. Safeguarding
  8. Linking to our website
  9. Third party links and connections
  10. Our responsibility for loss or damage suffered by you
  11. We may make changes to our website
  12. We may suspend or withdraw our website
  13. Confidentiality
  14. Severance
  15. Governing law and jurisdiction


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  • THESE TERMS OF USE
  1. Our Website Terms and Conditions were last updated on 01/03/2024 By using our website, you confirm that you accept these terms and that you agree to comply with them. If you do not agree, you must not use our website or services.
  2. We keep our terms under regular review and may amend them from time to time without prior notification. Every time you wish to use our website, please check to ensure you understand the terms of use that apply at that time. Your continued access and use of our website following changes to our terms will mean that you unconditionally accept and agree to the latest version of our terms of use. 
  3. Our Website Terms and Conditions refer to the following additional terms which also apply to your use of our website:
    1. PolicyClear’s Privacy Policy: [INSERT LINK TO PRIVACY POLICY]; and
    2. PolicyClear’s Cookies Policy: [INSERT LINK TO COOKIES POLICY].
  4. You are also responsible for ensuring that anyone who accesses our website through your internet connection are aware of these terms and any other applicable terms of use of our website, and that they comply with them.
  5. We recommend that you print a copy of our terms and policies for future reference.

  • YOUR ACCOUNT DETAILS
    1. You must not use a false email address, pretend to be someone else or pass other’s personal information as your own, or otherwise mislead anyone as to the user of our website and services, or the origin of any comments you make on our website or submissions to PolicyClear via your account.
    2. It is your responsibility to update your account details so that you are providing up to date, correct, complete, and accurate information. If we have reasonable grounds to suspect that any information is false, incomplete, or inaccurate, we have the right to suspend or terminate your registration.
    3. In the event that you choose or are provided with a user identification code, password, or any other piece of information as part of our security procedures, you must treat such information as confidential and must not disclose it to any third party.
    4. You are responsible for maintaining the confidentiality of your account and identification details. You agree to accept responsibility for all activities that occur under your account.
    5. You must not use any account or identification details that are not your own, nor may you authorise any other person to use your account or identification details, except where the account is set up for a company, partnership, or other business entity. In this case, there may be multiple authorised users including directors, officers, managers, or employees provided that the disclosure of the identification details is on a strictly need-to-know basis.
    6. If you know or suspect that anyone else knows your user identification code or password, or has gained unauthorised use of your account, you must promptly notify us at info@policyclear.co.uk.
    7. PolicyClear has the right to disable any user identification code or password (whether chosen by you or allocated by us) at any time if, in our reasonable opinion, you have failed to comply with any of the provisions of these terms.

  • HOW WE MAY USE YOUR PERSONAL INFORMATION 
    1. We will only use your personal information as set out in our Privacy Policy from time to time: [INSERT LINK TO PRIVACY POLICY].
    2. If you send any submission (including, without limitation, contest entries, feedback, creative ideas, suggestions, proposals, plans, or other materials) to PolicyClear, whether at our request or without, you agree that we may, at any time and without restriction, edit, copy, publish, distribute, translate, and otherwise use in any medium, submissions sent to us. We are under no obligation to respond to any submissions, maintain any submissions in confidence, or to pay compensation for any submissions.
    3. Submitting feedback to PolicyClear does not create a professional relationship and does not create any privacy rights other than those described in our Privacy Policy or provided by law.
    4. PolicyClear may disclose confidential information:
      1. To employees, agents, consultants, or subcontractors on a strictly need-to-know basis, and shall ensure that they comply with these terms of confidentiality.
      2. As may be required by law, a court of competent jurisdiction, or any governmental or regulatory authority.

  • THE CONTENT ON OUR WEBSITE
    1. The content on our website is provided for general information only and is not intended to amount to advice on which you should rely. You must obtain professional or specialist advice before taking or refraining from any action on the basis of the content on our website.
      1. For example, we may post blogs relating to relevant topics (such as IR35 and insurance). In this case, you must not rely on our blogs for financial advice.
    2. Although we make reasonable efforts to update the information on our website, we make no representations, warranties, or guarantees (whether express or implied) that the content on our website is accurate, complete, or up to date.
    3. PolicyClear also cannot guarantee or make any endorsement or representation to the accuracy, validity, reliability, or honesty of user and third-party generated content. You must use your own judgement in using or relying on user-generated content, as doing so is at your own risk. We shall not be liable for or in connection with any errors or omissions in user-generated content, including loss or damage caused by your reliance on such content.
    4. Please contact us if you ever wish to complain about information and materials uploaded by other users.
    5. We are the owner/licensee of all intellectual property rights on our website and in the material published on it. Those works are protected by copyright laws and treaties around the world. All such rights are reserved.

  • HOW YOU MAY USE OUR WEBSITE
    1. PolicyClear grants you a limited, non-exclusive, revocable licence to access and make non-commercial use of our website in accordance with and subject to all applicable terms and policies. You must not use any part of the content on our website for commercial purposes without obtaining a licence to do so from us or our licensors.
    2. You are prohibited from using our website, or any of its content or features, for any unlawful or immoral purpose, including, without limitation: to harass, abuse, insult, harm, defame, slander, intimidate, discriminate; to provide false or misleading information; to upload or transmit viruses or any other type of malicious code; to collect and track personal information of others; or to spam, phish, pharm, pretext, spider, crawl, or scrape.
    3. You must not extract or use our website’s data unless we agree otherwise in writing. Website scraping is strictly prohibited. You must not record the date on our website with automated programs, software, or any other method.
    4. You may draw the attention of others within your organisation to content posted on our website.
    5. You may print one copy and download extracts of any pages from our website for your personal use, but you must not modify in any way the paper or digital copies of any materials you have printed off or downloaded.
    6. You must not use any illustrations, photographs, graphics, or video or audio sequences separately from any accompanying text. PolicyClear’s status (and that of any identified contributors) as the authors of content on our website must always be acknowledged.
    7. You must not reproduce, duplicate, copy, sell, or exploit any portion of our website, use of our website, or access to the website or services, or any contact on our website, without our express written consent.
    8. If you print, copy, download, or use any part of our website in breach of these terms, your right to use our website will cease immediately and you must, at our option, return or destroy any copies of the materials you have made.

  • COMMUNICATIONS
    1. We may communicate with you by email or by posting notices on our website. You agree that all agreements, notices, disclosures, and other communications provided by PolicyClear in this manner satisfy any legal requirement for communications in writing.
    2. In the event where you elect not to provide any direct method of communications you shall strictly rely on notices posted on our website. PolicyClear has no obligation to contact and/or communicate with you directly for whatever purposes, and where loss, cost, damage, expense, and/or liability are incurred (whether directly or indirectly) as a result of your election, PolicyClear shall be indemnified and held harmless by you.

  • SAFEGUARDING
    1. Though we take steps to provide a secure and safe website, we do not guarantee that our website will be secure or free from bugs or viruses, or other harmful components. We do not represent or warrant that our website is defect or error free, or that it will operate without interruption.
    2. You are responsible for installing your own anti-virus protection software, backing up your content, and configuring your information technology, computer programmes, and platform to access our website.
    3. Some of your content may be transferred unencrypted, involve transmissions over various networks, and changed to conform and adapt to technical requirements of connecting networks or devices. Credit card information shall always be encrypted during transfer over networks.
    4. You must not misuse our website by knowingly introducing viruses, trojans, worms, logic bombs, or other material that is malicious or technologically harmful. 
    5. You must not attempt to gain unauthorised access to our website; the server on which our website is stored; or any server, computer, or database connected to our website. 
    6. You must not attack our website via a denial-of-service attack or a distributed denial-of service attack.
    7. By breaching this provision, you would commit a criminal offence under the Computer Misuse Act 1990. We will report any such breach to the relevant law enforcement authorities and will co-operate by disclosing your identity to them. In the event of such a breach, your right to use our website will cease immediately.
    8. Whilst the PolicyClear aims to protect your information and prevent unauthorised access, no data transmission over the internet can be guaranteed as totally secure. We do not warrant and cannot ensure the security of any information which you transmit to us. Any information which you transmit to us is transmitted at your own risk. We are not responsible for the acts of those who gain unauthorised access to your information.

  • LINKING TO OUR WEBSITE
    1. You may link to the home page of our website, provided you do so in a way that is fair, legal, and does not attack or damage our reputation, or take advantage of it.
    2. You must not establish a link in such a way as to suggest any form of association, approval, or endorsement on our part where none exists.
    3. PolicyClear reserves the right to withdraw linking permission without notice.
    4. If you wish to link to or make any use of any content on our website (other than that set out above), please contact us at info@policyclear.co.uk.

  • THIRD PARTY LINKS AND CONNECTIONS
    1. Where our website contains links or other connections to third-party sites, applications, and resources, such links or connections are provided for your information only. These are not owned or operated by PolicyClear and as such we have no control over the content of those resources. The presence of such links or connections must not be interpreted as approval by us of those resources or the information you may obtain from them.
    2. You must make your own judgment regarding your interaction with any third-party links or other connections as using such content is at your own risk. PolicyClear shall not be held responsible or liable for sharing information about you, your actions on our website, or your personal account as a result of your use of such links or connections. Complaints resulting from your use of these should be directed to the respective third party.

  • OUR RESPONSIBILITY FOR LOSS OR DAMAGE SUFFERED BY YOU
    1. Whether you are a consumer or a business user:
      1. We do not exclude or limit in any way our liability to you where it would be unlawful to do so. This includes liability for death or personal injury caused by our negligence or the negligence of our employees, agents, or subcontractors, and for fraud or fraudulent misrepresentation.
      2. Different limitations and exclusions of liability will apply to liability arising as a result of the supply of any product or service to you.
    2. PolicyClear is not liable for any damage resulting from any infringement of rights in any user or third party generated content. If you believe our website contains content that infringes rights held by you, please contact us at info@policyclear.co.uk and we will work with you to resolve the issue.

  • WE MAY MAKE CHANGES TO OUR WEBSITE
    1. We may update and change our website from time to time to reflect changes to our services, our users’ needs, and our business priorities, but have no obligation to do so except as required by law. 
    2. We reserve the right to correct, change, or update information without prior notice. We will try to give you reasonable notice of any major changes, but it is ultimately your responsibility to monitor changes to our website.

  • WE MAY SUSPEND OR WITHDRAW OUR WEBSITE
    1. Our website is made available free of charge. We do not guarantee that our website, or any content on it, will always be available or be uninterrupted. We may suspend, withdraw, or restrict the availability of all or any part of our website for scheduled maintenance, or other business and operational reasons. 
    2. We will try to give you reasonable notice of any suspension or withdrawal.

  • CONFIDENTIALITY
    1. All users of our website shall not, at any time during our service, and for a period of 5 years after, disclose to any person any input or pre-existing material such as information and documents, technical or commercial know-how, specifications, inventions, processes, or initiatives which are of a confidential nature, or any other confidential information concerning PolicyClear, their business, or service which may be obtained in connection with our website.

  • SEVERANCE
    1. Each paragraph of these terms operates separately. If any paragraph of these terms is found unlawful, the rest will remain in full force and continue in effect. If it comes to our attention that any provision or part provision of these terms are invalid or illegal, we shall amend such provision so that, as amended, it is legal and valid.

  • GOVERNING LAW AND JURISDICTION
    1. These terms, their subject matter and formation, and any non-contractual disputes or claims, are governed by the law of England and Wales. We both agree that the courts of England and Wales will have exclusive jurisdiction.


BY USING OUR WEBSITE, YOU AGREE TO THESE TERMS OF USE