These terms and conditions became effective on 24 March 2023. Please email firstname.lastname@example.org if you require a copy of any terms that were applicable immediately prior to this date. Please read these terms and conditions carefully before using this site.
Terms of website use
Other applicable terms
The following terms also apply to your use of our website:
Our Accessibility Policy and Cookies Policy, which sets out information on our website.
Information about us
Our website is owned and operated by UnderwriteMe Limited (‘UnderwriteMe’, ‘we’, ‘us’, ‘our’), a company registered in England and Wales with registration number 07912813 whose registered office is at Tower Bridge House, St Katharine’s Way, London, E1W 1BA. We are regulated by the UK Financial Conduct Authority as an authorised insurance intermediary under firm reference number 592244.
Intended use of this site
Please note this site is primarily targeted at providers of insurance intermediation services authorised by the Financial Conduct Authority. In order to use and benefit from much of the functionality of the site, you will need to register as a registered user. This site is not intended for use by consumers or children.
Use of our Protection Platform
Please note by registering your interest in the Protection Platform you are deemed to have made an offer to contract with UnderwriteMe for use of such Protection Platform on the basis of our Protection Platform Terms and Conditions. We may, acting in our absolute discretion, accept or decline to enter into an agreement with you on this basis and grant you access to the Protection Platform as a registered user.
These Terms do not govern any use of the Protection Platform. If you are approved as a registered user of the Protection Platform, your use of the Protection Platform must be in accordance with our Intermediary Services Agreement Terms and Conditions.
This site is for general information purposes only. No content included on this site constitutes investment or other professional advice of any nature. Subject to the terms of any Intermediary Services Agreement Terms and Conditions or other agreement which may be in place between you or a firm you represent and UnderwriteMe, you may not rely on the contents on this site as a basis for providing advice to your clients.
Availability of the site
Whilst we make reasonable endeavours to ensure the site is functional and free from bugs and errors, we do not make any warranties or representations of any kind, express or implied, about the completeness, accuracy, reliability, suitability or availability with respect to the website or the information, products, services or related graphics contained on the website for any purpose. We reserve the right to suspend or withdraw the website at any time.
Breach of these Terms
If we, in our discretion, believe your use of the site is a breach of these Terms or the terms of any other agreement between you or any firm you represent and UnderwriteMe, we may take such action as we reasonably deem necessary and appropriate with immediate effect and (to the extent permitted by applicable law) without notice, including:
- block or suspend (either temporarily or permanently) your access to the site or any part of it;
- issue you with a warning regarding your continued use of the site;
- disclose such information as we reasonably feel is necessary or appropriate to relevant law enforcement authorities and/or other organisations or bodies whom we reasonably believe are entitled to bring infringement or enforcement action against you;
- terminate any agreement (including any Intermediary Services Agreement) in place between you or any firm you represent and UnderwriteMe; and
- to the extent permitted by applicable law, issue legal proceedings against you.
In using the site, you should use appropriate hardware and software, including an up-to-date and appropriate internet browser. You should ensure you have appropriate anti-virus protection on any hardware you use to access the site. You will not use the site in any way which is criminal, discriminatory, defamatory, a breach of any party’s intellectual property rights (including any rights under the law relating to confidential information), or excessively invasive of another person’s privacy. You must not conduct any penetration testing on, or vulnerability assessments of, the website, to do so is a breach of this TOU.
Limitation of our liability
Nothing in this TOU shall limit or exclude our liability for death or personal injury, fraud, fraudulent misrepresentation, breach of section 2 of the Supply of Goods and Services Act 1982 or any other liability which cannot be limited or excluded under applicable law. Nothing in the TOU shall limit or exclude any applicable obligations of either party to comply with the terms of the Financial Services and Market Act 2000.
Unless this TOU expressly states otherwise, we shall not be liable for any:
- liability relating to any sales of insurance products including as a result of a mis-sale;
- breach by you of any legal or regulatory obligations, including the ‘treating customers fairly’ requirements of the Financial Conduct Authority and the obligations relating to the processing of personal data under the Data Protection Act 2018;
- liability you incur to any actual or potential customer;
- damage to, reduction in the performance of or loss of any systems, software, devices and other materials caused by your access to or use of the site;
- loss caused by any error in or unavailability of the site or any part of its functionality;
- loss or corruption of data or information;
- loss of anticipated savings;
- loss of revenues or profits;
- loss of business or opportunity;
- loss or depletion of goodwill;
- pure economic loss; or
- any indirect, special or consequential losses or damage, howsoever arising.
We will not be liable for any loss or damage caused by a virus, distributed denial-of-service attack, or other technologically harmful material that may infect your computer equipment, computer programmes, data or other proprietary material due to your use of our website or to your downloading of any consent on it, or any website linked to it.
Different limitations and exclusions of liability will apply to liability arising as a result of the supply of any services by us to you, which will be set out in our or our affiliated entity’s agreement with you.
Virus and malware
You take all reasonable precautions in your use of the site not to introduce viruses, worms, Trojan horses, spyware, malware and/or any other harmful elements onto our systems. You fully indemnify and hold us harmless from and against any losses and associated costs arising as a result of your introduction of a virus or other harmful element to our systems.
Intellectual Property Rights
We are the owner, operator or licensee of all copyright, trademarks and other intellectual property rights in the website and all its contents. All our rights are reserved.
You may print or download extracts of any page(s) from our website for your personal use, and you may draw attention of others within your organisation to content posted on our website. However, you may not download, reproduce, embed or amend the content of the website without our prior written consent. You must not add a link to our website to any site which is not owned and operated by you. You must not embed any of the contents on our website in your site without obtaining a licence to do so from us.
If you print off, copy or download any part of our website in breach of this TOU, your right to use our website will cease immediately and you must, at our option, return or destroy any copies of the material you have made.
Any failure or delay by us to enforce any right under this TOU shall not prevent us enforcing that right or any other right in the future.
This TOU is governed by and construed in accordance with the laws of England and Wales. You and UnderwriteMe each submit to the exclusive jurisdiction of the English courts in relation to any disputes arising out of or in connection with this TOU, provided UnderwriteMe shall be entitled to seek injunctive and equitable relief against any infringement of its intellectual property rights in any jurisdiction worldwide.
If you have any questions or comments relating to this TOU or our processing of your data, please contact us at email@example.com