Common use of PROTECTING YOUR INFORMATION Clause in Contracts

PROTECTING YOUR INFORMATION. All personal information about you will be treated as private and confidential (even when you are no longer a customer), except where the disclosure is made at your request or with your consent in relation to administering your insurance or where we are required by law. Some or all of the information you supply to us in connection with your insurance proposal may be passed to insurance and other companies for underwriting, claims and premium collection purposes. Your data will be held in accordance with the Data Protection Xxx 0000, under which you have a right of access to see personal information abou t you that is held in our records, whether electronically or manually. If you have any queries, please write to the Data Protection Officer at our address (section “About Us”). We and/or the insurers or credit providers may use publicly available data from a variety of sources, including credit refere nce agencies and other external organisations to verify your identity or creditworthiness to avoid fraud and to obtain beneficial quotes and payment options on your behalf. Each of these searches may appear on your credit report whether or not your application proceeds. By agreeing to these terms and conditions you agree to these uses of your information. We will not make your details available to other parties for marketing purposes, but we and other companies also owned by Ripe Thinking Limited, may contact you to keep you informed of our and partners latest products and services. We use Industry standard encryption technologies when transferring and receiving customer data exchanged with our web site. Your Insurance Booklet includes a claims procedure, which tells you what steps you should take if you wish to make a claim. You must notify the Claims Department of a claim or circumstance which may give rise to a claim as soon as possible. You will be provided with every assistance in submitting a claim and seek ing reimbursement. Full premiums are due before settlement of any claim. We, the insurer or claims handler shall be entitled (but not obliged) without notice to you, to set off any amounts due from you against any amounts which we, the insurer or claims handler may receive on your behalf (such as claims monies, refunded premiums and other sums). Full premiums are due before settlement of any claim. Prior to your premium being forwarded to the insurer, and for your protection, the administrator will hold your money as an agent of the insurer in which case your policy is treated as being paid for. Annual Premium Premiums for Insurance are payable and due at the time of application. You may make payment by cheque, credit card (all major credit/debit cards except American Express are accepted), or Direct Debit. The insurance purchase will not be concluded until payment has been received unless otherwise agreed. If a payment is to be collected by Direct Debit and we have been notified by your bank or building society of a failure to make payment to us, the insurance will be cancelled and you will be notified. Monthly Premium using Third Party Instalment Facilities If you choose to pay for your insurance premium using our third party supplier, Premium Credit Limited (PCL) of Premium Credit House, Xxxxx Xxxxx, Xxxxx Xxx, Xxxxxxxxxxx, XX00 0XX, your details will be passed on to them. Any queries or questions about the service provided by PCL should in the first instance be directed to them on +00(0) 000 000 0000. Where your policy is paid via PCL and you choose to renew your cover (or we renew your cover pursuant to section “Policy Renewal” of this agreement), we will again continue to pass your details to PCL. If any Direct Debit or other payment due in respect of the credit agreement you enter into with PCL to pay premiums is not met when presented for payment, or if you end the agree ment with PCL, or if you do not enter into a credit agreement with PCL we will be informed of this by PCL. If you do not make other arrangements with us or PCL to pay your insurance premiums, you acknowledge and agree that we may instruct on your behalf any relevant insurer to cancel the insurance. You may still be required to meet any payments for the period of insurance you have received. In assessing your application for credit, PCL will search the public information that a credit reference agency holds about you. The credit reference agency will add details of the search and your application to their record about you whether or not your application proceeds. This and other information about you may be used to make credit decisions about you and undertake checks for the prevention and detection of money laundering. If your application for credit is accepted, PCL will send you a welco me pack detailing their full terms and conditions and commence collection of instalments.

PROTECTING YOUR INFORMATION. All personal information about you will be treated as private and confidential (even when you are no longer a customer), ) except where the disclosure is made at your request or with your consent in relation to administering your insurance or where we are required by lawlaw to disclose it. We will use your information in relation to setting up and administering your insurance and any related credit arrangements. Some or all of the information you supply to us in connection with your insurance proposal or application for credit may be passed to insurance and other companies for underwriting, claims and premium collection purposes. Your data will be held in accordance with the Data Protection Xxx 0000Act 1998, under which you have a right of access to see personal information abou t about you that is held in our records, whether electronically or manually. If you have any queries, please write to the Data Protection Officer at our address (section “About Us”)contact us. We and/or the insurers or and/or credit providers may use publicly available data from a variety of sources, including credit refere nce reference agencies and other external organisations to verify your identity or creditworthiness creditworthiness, to avoid fraud fraud, and to obtain beneficial quotes and payment options on your behalf. Each of these the searches may appear on your credit report whether or not your application proceeds. By agreeing Please refer to these terms and conditions you agree to these uses of your information. We will not make policy summary or your details available to other parties for marketing purposes, but we and other companies also owned by Ripe Thinking Limited, may contact you to keep you informed of our and partners latest products and services. We use Industry standard encryption technologies when transferring and receiving customer data exchanged with our web site. Your Insurance Booklet includes a claims procedure, which tells you what steps you should take policy document if you wish need to make notify a claim. You must notify should contact us or the Claims Department insurer direct as soon as you become aware of a claim or circumstance any incident which may could give rise to a claim. If in doubt about whom you should contact, or if you require our assistance in relation to a claim or potential claim please contact us. Please refer to our tariff of administration charges for fees payable under this Terms of Business Agreement. These charges apply if you instruct us to arrange insurance, carry out a mid-term adjustment, renewal, cancellation or other work on your behalf. If you pay your premium by instalments we shall inform you of any additional fees, charges or interest as soon as possiblepart of your credit arrangements. You will be provided with every assistance in submitting a claim and seek ing reimbursement. Full premiums are due before settlement of entitled, at any claim. We, the insurer or claims handler shall be entitled (but not obliged) without notice to youtime, to set off request information regarding any amounts due from you against any amounts commission which we, the insurer we may have received as a result of placing your insurance business or claims handler may receive on your behalf (such as claims monies, refunded premiums and other sums). Full premiums are due before settlement of any claimarranging premium finance. Prior to your premium being forwarded to the insurer, and for your protection, insurer (or forwarded to you in the administrator will event of a premium refund) we hold your money as an agent of the insurer in with which case we arrange your policy insurance. Where we hold premium as the agent of the insurer it is treated regarded as being paid forreceived by the insurer. Annual Premium Premiums We may transfer your premiums to the insurer through another party, such as a broker or underwriting agent for Insurance the purposes of effecting a transaction. It is our intention to provide a high level of service at all times. However if you have reason to make a complaint about our service you should contact us immediately using the contact details on the first page of this document Xxxxxx Xxxxxxx Director email xxxxxxxxxxxxx@xxxxxxxxxxxxxxxxx.xx.xx 01225 707575 You may be entitled to refer the matter subsequently to the Financial Ombudsman Service. You can contact the Financial Ombudsman Service by telephone on 0000 0 000 000 and further information is available at xxxx://xxx.xxxxxxxxx-xxxxxxxxx.xxx.xx/. If you do decide to refer any matter to the Financial Ombudsman Service your legal rights will not be affected. We will provide a summary of our complaints handling procedures should you make a complaint which we cannot resolve informally and at any other time, upon your request. We are payable and due at covered by the time of applicationFinancial Services Compensation Scheme. You may make payment by chequebe entitled to compensation from the scheme if we cannot meet our obligations. This depends on the type of business and the circumstances of the claim. Insurance advising and arranging is covered for 90% of the claim, credit card (all major credit/debit cards except American Express are accepted)without any upper limit. For compulsory classes of insurance, or Direct Debitinsurance advising and arranging is covered for 100% of the claim, also without any upper limit. The insurance purchase will compensation scheme does not be concluded until payment has been received unless otherwise agreedapply to consumer credit. If a payment Further information about compensation scheme arrangements is available from the FSCS on 0800 678 1100 or 020 7741 4100 or by visiting xxxx://xxx.xxxx.xxx.xx/ We are obliged to be collected by Direct Debit report to the National Crime Agency any suspicion of money laundering or terrorist financing activity and we have been notified by are prohibited from disclosing any such report. It is the responsibility of the insured to ensure that all sums insured and policy limits are adequate. Whilst we seek to assist in establishing and maintaining insured values and indemnity limits we cannot accept responsibility for their accuracy. It is strongly recommended that the appropriate Professional (e.g. Surveyor/Accountant) be consulted to ensure that the sums insured and limits under the policy are suitable. As insurance brokers we generally act as your bank or building society agent in advising you, arranging your insurance and assisting you in the event of a failure claim. In certain circumstances we may act for and owe duties of care to make payment to usinsurers and/or other parties. Where we become aware of any actual or potential conflict of interest, we will inform you of the situation, the insurance will options available to you and obtain your consent before we proceed. The insurers we use are regulated and are required to have adequate capital resources. However, we cannot guarantee the solvency of any insurer we place business with. An insolvent insurer may be cancelled unable to pay claims or may be unable to pay them in full and you will be notified. Monthly Premium using Third Party Instalment Facilities If you choose may have to pay a further premium to pay for your alternative insurance premium using our third party supplier, Premium Credit Limited (PCL) of Premium Credit House, Xxxxx Xxxxx, Xxxxx Xxx, Xxxxxxxxxxx, XX00 0XX, your details will be passed on to them. Any queries or questions about the service provided by PCL should in the first instance be directed to them on +00(0) 000 000 0000. Where your policy is paid via PCL and you choose to renew your cover (or we renew your cover pursuant to section “Policy Renewal” of this agreement), we will again continue to pass your details to PCL. If any Direct Debit or other payment due in respect of the credit agreement you enter into with PCL to pay premiums is not met when presented for payment, or if you end the agree ment with PCL, or if you do not enter into a credit agreement with PCL we will be informed of this by PCL. If you do not make other arrangements with us or PCL to pay your insurance premiums, you acknowledge and agree that we may instruct on your behalf any relevant insurer to cancel the insurance. You may still be required to meet any payments for the period of insurance you have received. In assessing your application for credit, PCL will search the public information that a credit reference agency holds about you. The credit reference agency will add details of the search and your application to their record about you whether or not your application proceeds. This and other information about you may be used to make credit decisions about you and undertake checks for the prevention and detection of money laundering. If your application for credit is accepted, PCL will send you a welco me pack detailing their full terms and conditions and commence collection of instalmentscover.

PROTECTING YOUR INFORMATION. All personal information about you will be treated as private and confidential (even when you are no longer a customer), except where the disclosure is made at your request or with your consent in relation to administering your insurance or where we are required by law. Some or all of the information you supply to us in connection with your insurance proposal may be passed to insurance and other companies for underwriting, claims and premium collection purposes. Your data will be held in accordance with the Data Protection Xxx 0000, under which you have a right of access to see personal information abou t about you that is held in our records, whether electronically or manually. If you have any queries, please write to the Data Protection Officer at our address (section “‘About Us”’). We and/or the insurers or credit providers may use publicly available data from a variety of sources, including credit refere nce agencies and other external organisations to verify your identity or creditworthiness to avoid fraud and to obtain beneficial quotes and payment options on your behalf. Each of these searches may appear on your credit report whether or not your application proceeds. By agreeing to these terms and conditions you agree to these uses of your information. We will not make your details available to other parties for marketing purposes, but we and other companies also owned by Ripe Thinking Limited, may contact you to keep you informed of our and partners latest products and services. We use Industry standard encryption technologies when transferring and receiving customer data exchanged with our web sitewebsite. HOW TO MAKE A CLAIM Your Insurance Booklet includes a claims procedure, which tells you what steps you should take if you wish to make a claim. You must notify the Claims Department of a claim or circumstance which may give rise to a claim as soon as possible. You will be provided with every assistance in submitting a claim and seek ing seeking reimbursement. Full premiums are due before settlement of any claim. We, the insurer or claims handler shall be entitled (but not obliged) without notice to you, to set off any amounts due from you against any amounts which we, the insurer or claims handler may receive on your behalf (such as claims monies, refunded premiums and other sums). Full premiums are due before settlement of any claim. PROTECTING YOUR MONEY Prior to your premium being forwarded to the insurer, and for your protection, the administrator will we hold your money as an agent of the insurer in which case your policy is treated as being paid for. Annual Premium PAYMENT Premiums for Insurance membership are payable and due at the time of application. You may make payment by cheque, cheque or credit card (all major credit/debit cards except American Express are accepted), or Direct Debit. The insurance purchase will not be concluded until payment has been received unless otherwise agreed. If a payment is to be collected by Direct Debit and we have been notified by your bank or building society of a failure to make payment to us, the membership including the insurance will be cancelled and you will be notified. Monthly Premium using Third Party Instalment Facilities If you choose to pay for your insurance premium using our third party supplier, Premium Credit Limited (PCL) of Premium Credit House, Xxxxx Xxxxx, Xxxxx Xxx, Xxxxxxxxxxx, XX00 0XX, your details will be passed on to them. Any queries or questions about the service provided by PCL should in the first instance be directed to them on +00(0) 000 000 0000. Where your policy is paid via PCL and you choose to renew your cover (or we renew your cover pursuant to section “Policy Renewal” of this agreement), we will again continue to pass your details to PCL. If any Direct Debit or other payment due in respect of the credit agreement you enter into with PCL to pay premiums is not met when presented for payment, or if you end the agree ment with PCL, or if you do not enter into a credit agreement with PCL we will be informed of this by PCL. If you do not make other arrangements with us or PCL to pay your insurance premiums, you acknowledge and agree that we may instruct on your behalf any relevant insurer to cancel the insurance. You may still be required to meet any payments for the period of insurance you have received. In assessing your application for credit, PCL will search the public information that a credit reference agency holds about you. The credit reference agency will add details of the search and your application to their record about you whether or not your application proceeds. This and other information about you may be used to make credit decisions about you and undertake checks for the prevention and detection of money laundering. If your application for credit is accepted, PCL will send you a welco me pack detailing their full terms and conditions and commence collection of instalments.

PROTECTING YOUR INFORMATION. All personal information about you will be treated as private and confidential (even when you are no longer a customer), except where the disclosure is made at your request or with your consent in relation to administering your insurance or where we are required by law. Some or all of the information you supply to us in connection with your insurance proposal may be passed to insurance and other companies for underwriting, claims and premium collection purposes. Your data will be held in accordance with the Data Protection Xxx 0000, under which you have a right of access to see personal information abou t about you that is held in our records, whether electronically or manually. If you have any queries, please write to the Data Protection Officer at our address (section “About Us”). We and/or the insurers or credit providers may use publicly available data from a variety of sources, including credit refere nce reference agencies and other external organisations to verify your identity or creditworthiness to avoid fraud and to obtain beneficial quotes and payment options on your behalf. Each of these searches may appear on your credit report whether or not your application proceeds. By agreeing to these terms and conditions you agree to these uses of your information. We will not make your details available to other parties for marketing purposes, but we and other companies also owned by Ripe Thinking LimitedThe JRW Group Ltd, may contact you to keep you informed of our and partners latest products and services. We use Industry standard encryption technologies when transferring and receiving customer data exchanged with our web site. Your Insurance Booklet includes a claims procedure, which tells you what steps you should take if you wish to make a claim. You must notify the Claims Department of a claim or circumstance which may give rise to a claim as soon as possible. You will be provided with every assistance in submitting a claim and seek ing seeking reimbursement. Full premiums are due before settlement of any claim. We, the insurer or claims handler shall be entitled (but not obliged) without notice to you, to set off any amounts due from you against any amounts which we, the insurer or claims handler may receive on your behalf (such as claims monies, refunded premiums and other sums). Full premiums are due before settlement of any claim. Prior to your premium being forwarded to the insurer, and for your protection, the administrator will hold your money as an agent of the insurer in which case your policy is treated as being paid for. Annual Premium Premiums for Insurance are payable and due at the time of application. You may make payment by cheque, credit card (all major credit/debit cards except American Express are accepted), or Direct Debit. The insurance purchase will not be concluded until payment has been received unless otherwise agreed. If a payment is to be collected by Direct Debit and we have been notified by your bank or building society of a failure to make payment to us, the insurance will be cancelled and you will be notified. Monthly Premium using Third Party Instalment Facilities If you choose to pay for your insurance premium using our third party supplier, Premium Credit Limited (PCL) of Premium Credit House, Xxxxx Xxxxx, Xxxxx Xxx, Xxxxxxxxxxx, XX00 0XX, your details will be passed on to them. Any queries or questions about the service provided by PCL should in the first instance be directed to them on +00(0) 000 000 0000. Where your policy is paid via PCL and you choose to renew your cover (or we renew your cover pursuant to section “Policy Renewal” of this agreement), we will again continue to pass your details to PCL. If any Direct Debit or other payment due in respect of the credit agreement you enter into with PCL to pay premiums is not met when presented for payment, or if you end the agree ment agreement with PCL, or if you do not enter into a credit agreement with PCL we will be informed of this by PCL. If you do not make other arrangements with us or PCL to pay your insurance premiums, you acknowledge and agree that we may instruct on your behalf any relevant insurer to cancel the insurance. You may still be required to meet any payments for the period of insurance you have received. In assessing your application for credit, PCL will search the public information that a credit reference agency holds about you. The credit reference agency will add details of the search and your application to their record about you whether or not your application proceeds. This and other information about you may be used to make credit decisions about you and undertake checks for the prevention and detection of money laundering. If your application for credit is accepted, PCL will send you a welco me welcome pack detailing their full terms and conditions and commence collection of instalments. A credit agreement will be included for you to sign and return. PCL may begin collecting your Direct Debits before you return your signed credit agreement to pay for any insurance cover you are receiving. If you have any questions about your instalments, contact PCL on +00(0)000 000 0000. On renewal of your insurance policy we will continue to pass your details to PCL unless you instruct us otherwise. Please read carefully the pre-contractual explanations and the information regarding the cost of credit (including any representative examples). Together they provide important information in relation to the credit facility available from PCL. To use PCL’s facility you must be resident in the UK, aged 18 years or over and hold a bank or building society account which can support Direct Debit payments. Credit is available subject to status.

PROTECTING YOUR INFORMATION. All personal information about you will be treated as private and confidential (even when you are no longer a customer), except where the disclosure is made at your request or with your consent in relation to administering your insurance or where we are required by law. Some or all of the information you supply to us in connection with your insurance proposal may be passed to insurance and other companies for underwriting, claims and premium collection purposes. Your data will be held in accordance with the Data Protection Xxx 0000, under which you have a right of access to see personal information abou t about you that is held in our records, whether electronically or manually. If you have any queries, please write to the Data Protection Officer at our address (section “‘About Us”’). We and/or the insurers or credit providers may use publicly available data from a variety of sources, including credit refere nce agencies and other external organisations to verify your identity or creditworthiness to avoid fraud and to obtain beneficial quotes and payment options on your behalf. Each of these searches may appear on your credit report whether or not your application proceeds. By agreeing to these terms and conditions you agree to these uses of your information. We will not make your details available to other parties for marketing purposes, but we and other companies also owned by Ripe Thinking LimitedThe JRW Group Ltd, may contact you to keep you informed of our and partners latest products and services. We use Industry standard encryption technologies when transferring and receiving customer data exchanged with our web site. Your Insurance Booklet includes a claims procedure, which tells you what steps you should take if you wish to make a claim. You must notify the Claims Department of a claim or circumstance which may give rise to a claim as soon as possible. You will be provided with every assistance in submitting a claim and seek ing seeking reimbursement. Full premiums are due before settlement of any claim. We, the insurer or claims handler shall be entitled (but not obliged) without notice to you, to set off any amounts due from you against any amounts which we, the insurer or claims handler may receive on your behalf (such as claims monies, refunded premiums and other sums). Full premiums are due before settlement of any claim. Prior to your premium being forwarded to the insurer, and for your protection, the administrator will we hold your money as an agent of the insurer in which case your policy is treated as being paid for. Annual Premium Premiums for Insurance are payable and due at the time of application. You may make payment by cheque, cheque or credit card (all major credit/credit/ debit cards except American Express are accepted), or Direct Debit. The insurance purchase will not be concluded until payment has been received unless otherwise agreed. If a payment is to be collected by Direct Debit and we have been notified by your bank or building society of a failure to make payment to us, the insurance will be cancelled and you will be notified. Monthly Premium using Third Party Instalment Facilities If you choose We may allow payment of the total premium by instalment to pay be spread over a maximum of 12 consecutive months provided the initial payment is made at inception and the means of payment for your insurance premium using our third party supplierthe following instalments is supplied at that time (e.g. with credit card details, Premium Credit Limited (PCL) post-dated cheques or Direct Debit). Failure to make a payment by the agreed date will result in cancellation of Premium Credit House, Xxxxx Xxxxx, Xxxxx Xxx, Xxxxxxxxxxx, XX00 0XX, your details the policy one month after the payment failed and no refund will be passed on to themmade. Any queries or questions about All premiums quoted are inclusive of local Taxes at the service provided by PCL should in the first instance be directed to them on +00(0) 000 000 0000. Where your policy is paid via PCL prevailing rate and you choose to renew your cover (or we renew your cover pursuant to section “Policy Renewal” of this agreement), we will again continue to pass your details to PCL. If any Direct Debit or other payment due in respect of the credit agreement you enter into with PCL to pay premiums is not met when presented for payment, or if you end the agree ment with PCL, or if you do not enter into a credit agreement with PCL we will be informed of this by PCL. If you do not make other arrangements with us or PCL to pay your insurance premiums, you acknowledge and agree that we may instruct on your behalf any relevant insurer to cancel the insurance. You may still be required to meet any payments for the period of insurance you have received. In assessing your application for credit, PCL will search the public information that a credit reference agency holds about you. The credit reference agency will add details of the search and your application to their record about you whether or not your application proceeds. This and other information about you may be used to make credit decisions about you and undertake checks for the prevention and detection of money laundering. If your application for credit is accepted, PCL will send you a welco me pack detailing their full terms and conditions and commence collection of instalmentsadministration fee.

PROTECTING YOUR INFORMATION. All personal information about you will be treated as private and confidential (even when you are no longer a customer), ) except where the disclosure is made at your request or with your consent in relation to administering your insurance or where we are required by lawlaw to disclose it. We will use your information in relation to setting up and administering your insurance and any related credit arrangements. Some or all of the information you supply to us in connection with your insurance proposal or application for credit may be passed to insurance and other companies for underwriting, claims and premium collection purposes. Your data may be transferred outside the UK. We will not ask for more information than is necessary. Your data will be held in accordance with the Data Protection Xxx 0000, under which you have a right of access to see personal information abou t about you that is held in our records, whether electronically or manually. Our Privacy Notice is on our website and can be located at xxxxx://xxx.xxxxxxxxxxxxxxxxxxxx.xx.xx/index.php/about-us/privacy-notice If you have any queries, please write to the Data Protection Officer at our address (section “About Us”)contact us. We and/or the insurers or and/or credit providers may use publicly available data from a variety of sources, including credit refere nce reference agencies and other external organisations to verify your identity or creditworthiness creditworthiness, to avoid fraud fraud, and to obtain beneficial quotes and payment options on your behalf. Each of these the searches may appear on your credit report whether or not your application proceeds. By agreeing Please refer to these terms and conditions you agree to these uses of your information. We will not make policy summary or your details available to other parties for marketing purposes, but we and other companies also owned by Ripe Thinking Limited, may contact you to keep you informed of our and partners latest products and services. We use Industry standard encryption technologies when transferring and receiving customer data exchanged with our web site. Your Insurance Booklet includes a claims procedure, which tells you what steps you should take policy document if you wish need to make notify a claim. You must notify should contact us or the Claims Department insurer direct as soon as you become aware of a claim or circumstance any incident which may could give rise to a claim. If in doubt about whom you should contact, or if you require our assistance in relation to a claim as soon as possibleor potential claim please contact us. In addition to the premiums and fees charged by insurers we normally make the following charges to cover the administration of your insurance: New policies and renewal – up to £100; midterm adjustments – up to £50; re-issue of documentation - £15; time on risk/cancellation – in addition to the insurers cancellation fee (if any) we will make a charge of up to £50 for the cancellation of policies. No refund will be made if a claim has been paid or is outstanding at the time you cancel the policy. Where a fee or charge is payable, you will be advised before you commit to the service. There is no additional fee for payments made by credit card, debit card, bank transfer, cheque or cash. We may offer the facility to use the services of an external premium credit provider to pay premiums by instalments. Where this is offered there is an interest charge payable, usually between 10% and 15% of the total premium. The interest amount will be advised prior to committing to the service. Please ask for details. In return for placing business with insurers and underwriters we receive a commission from them which is a percentage of the annual premium you are charged with. If the type of policy we sell reaches specific profit targets the insurer may also pay us an additional bonus. You are entitled at any time to request information regarding any commission which we may have received as a result of placing your insurance business or arranging premium finance. Please be assured that at no time will the way in which we are remunerated conflict with our responsibilities to meet your needs and treat you fairly. In respect of some classes of insurance we may operate block insurance arrangements in order to provide competitive terms. This is where we place all insurances of a certain type with one insurer who can provide particularly competitive terms for all our customers. On occasions it will be provided with every assistance in submitting a claim necessary for us to transfer such blocks from one insurer to another where this is beneficial for our clients. This Terms of Business Agreement constitutes both your acceptance that we may do this and seek ing reimbursement. Full premiums are due before settlement of any claim. We, the insurer or claims handler shall be entitled (but not obliged) without notice your prior request for us so to you, to set off any amounts due from you against any amounts which we, the insurer or claims handler may receive on your behalf (such as claims monies, refunded premiums and other sums). Full premiums are due before settlement of any claimdo. Prior to your premium being forwarded to the insurer, and for your protectionor forwarded to you in the event of a premium refund, the administrator will we hold your money as an agent of the insurer in with which case we arrange your policy insurance. Where we hold premiums as the agent of the insurer it is treated regarded as being paid forreceived by the insurer. Annual Premium Premiums We reserve the right to retain interest earned on this account. We may transfer your premiums to the insurer through another party, such as a broker or underwriting agent for Insurance are payable and due the purposes of effecting a transaction. It is our intention to provide a high level of service at all times. However if you have reason to make a complaint about our service you should contact us immediately using the time contact details on the first page of applicationthis document. You may make payment be entitled to refer the matter subsequently to the Financial Ombudsman Service. You can contact the Financial Ombudsman Service by cheque, credit card (all major credit/debit cards except American Express are accepted), or Direct Debit. The insurance purchase telephone on 0000 0 000 000 and further information is available at xxxx://xxx.xxxxxxxxx-xxxxxxxxx.xxx.xx/. If you do decide to refer any matter to the Financial Ombudsman Service your legal rights will not be concluded until payment has been received unless otherwise agreedaffected. If We will provide a payment summary of our complaints handling procedures should you make a complaint which we cannot resolve informally and at any other time, upon your request. We are covered by the Financial Services Compensation Scheme. You may be entitled to compensation from the scheme if we cannot meet our obligations. This depends on the type of business and the circumstances of the claim. Insurance advising and arranging is covered for 90% of the claim, without any upper limit. For compulsory classes of insurance, insurance advising and arranging is covered for 100% of the claim, also without any upper limit. The compensation scheme does not apply to be collected consumer credit. Further information about compensation scheme arrangements is available from the FSCS on 0800 678 1100 or 020 7741 4100 or by Direct Debit visiting xxxx://xxx.xxxx.xxx.xx/ We are obliged to report to the National Crime Agency any suspicion of money laundering or terrorist financing activity and we are prohibited from disclosing any such report. It is the responsibility of the insured to ensure that all sums insured and policy limits are adequate. Whilst we seek to assist in establishing and maintaining insured values and indemnity limits we cannot accept responsibility for their accuracy. It is strongly recommended that the appropriate Professional (e.g. Surveyor/Accountant) be consulted to ensure that the sums insured and limits under the policy are suitable. As insurance brokers, where we issue an insurance policy on an insurer with whom we have been notified by binding authority, we act as the agent of the insurer. Where we issue a policy on an insurer where we do not have binding authority, we act as your bank or building society agent in advising you, arranging your insurance and assisting you in the event of a failure claim. In certain circumstances we may act for and owe duties of care to make payment to usinsurers and/or other parties. Where we become aware of any actual or potential conflict of interest, we will inform you of the situation, the insurance will options available to you and obtain your consent before we proceed. The insurers we use are regulated and are required to have adequate capital resources. However, we cannot guarantee the solvency of any insurer we place business with. An insolvent insurer may be cancelled unable to pay claims or may be unable to pay them in full and you will be notified. Monthly Premium using Third Party Instalment Facilities If you choose may have to pay a further premium to pay for your alternative insurance premium using our third party supplier, Premium Credit Limited (PCL) of Premium Credit House, Xxxxx Xxxxx, Xxxxx Xxx, Xxxxxxxxxxx, XX00 0XX, your details will be passed on to them. Any queries or questions about the service provided by PCL should in the first instance be directed to them on +00(0) 000 000 0000. Where your policy is paid via PCL and you choose to renew your cover (or we renew your cover pursuant to section “Policy Renewal” of this agreement), we will again continue to pass your details to PCL. If any Direct Debit or other payment due in respect of the credit agreement you enter into with PCL to pay premiums is not met when presented for payment, or if you end the agree ment with PCL, or if you do not enter into a credit agreement with PCL we will be informed of this by PCL. If you do not make other arrangements with us or PCL to pay your insurance premiums, you acknowledge and agree that we may instruct on your behalf any relevant insurer to cancel the insurance. You may still be required to meet any payments for the period of insurance you have received. In assessing your application for credit, PCL will search the public information that a credit reference agency holds about you. The credit reference agency will add details of the search and your application to their record about you whether or not your application proceeds. This and other information about you may be used to make credit decisions about you and undertake checks for the prevention and detection of money laundering. If your application for credit is accepted, PCL will send you a welco me pack detailing their full terms and conditions and commence collection of instalmentscover.