Common use of Your Responsibilities Clause in Contracts

Your Responsibilities. 3.1 You should carefully read and understand the information we have provided to you in the Insurance Manual we have provided to you. If you have not received or have misplaced this important document please ask for another one as it sets out your important obligations in relation to your insurance policies. 3.2 You must provide accurate, complete and timely information to us. You are responsible for all information you provide in any proposal, claim form or other material document. We are not responsible for checking the accuracy or completeness of any information you provide to us or any insurer. We will not be responsible for any consequence resulting from a failure by you to disclose all material facts to an insurer (including, without limitation, the possibility of your insurance policies being rendered void or limited). 3.3 You must advise us of any change in your business that might affect your insurances. This may include, but not limited to, acquisitions, disposals, mergers, sale of principal assets, or material changes to business operations. 3.4 If you want to vary any insurance e.g. by increasing the sum insured or adding other property, you must provide us with details of the changes you require and any other information you need to disclose to insurers. Any adjustment to the premium will be advised to you. 3.5 You must advise us (or your insurers) in terms of the appropriate policy of an event or circumstance that may give rise to a claim or potential claim under your insurance policy(ies). If you do not inform us (or your insurers) of such a claim or potential claim you may prejudice your rights under your insurance contracts. You will be advised if you need to complete a claim form or produce documentation to support your claim. 3.6 After receiving your insurance documents from us, you must check them and advise us promptly of anything that does not meet your requirements. Any errors should be notified to us immediately. 3.7 You must pay the premium(s), any statutory charges, government levies, taxes, GST and fees when due as set out in our invoice(s), unless premium funding has been arranged. We will give full information about premium payment options when we provide quotations 3.8 If you do not pay the premium on time, we are required to advise the insurer. The insurer has the right to cancel the insurance and you will not be insured. The insurer may also charge a short-term premium for the time they have insured the risk. 3.9 Please note that we have no obligation to fund any premium, taxes or fees (if applicable) on your behalf and we will have no responsibility for any loss you may suffer as a result of insurers cancelling the insurance or taking any prejudicial steps as a result of late payment.

Your Responsibilities. 3.1 4.1 In respect of the services we provide under this agreement, you are responsible as follows: (a) Your policy documents contain the terms and conditions of your insurance cover and impose obligations on you. You should carefully read and understand this information ensuring the information we have provided to insurance cover satisfies your needs and that you in the Insurance Manual we have provided to youunderstand your obligations. If you have not received or have misplaced this important your policy document please ask us for another one as it sets out your important obligations in relation to your insurance policiesone. 3.2 You (b) Before taking out an insurance policy and at the time of renewing any policy, you must provide us with accurate, complete and timely information to us. You are responsible for information, including all information which may be material to an insurer's assessment of any risk for which you provide in have asked us to arrange insurance cover. This includes any proposal, claim form material or other material documentrelevant change of circumstance during the term of your policy and on renewal. We are not responsible for checking the accuracy or completeness of any information you provide to us or any insurer. We will not be responsible for any consequence resulting from a failure by you to disclose all material facts to an insurer (including, without limitation, the possibility of your insurance policies being rendered void or limited). 3.3 (c) You must advise us us, as soon as practicable, on becoming aware of any change in your business that might affect your insurances. This may include, but not limited to, acquisitions, disposals, mergers, sale of principal assets, or material changes to business operations. 3.4 If you want to vary any insurance e.g. by increasing the sum insured or adding other property, you must provide us with details of the changes you require and any other information you need to disclose to insurers. Any adjustment to the premium will be advised to you. 3.5 You must advise us (or your insurers) in terms of the appropriate policy of an event or circumstance that may give rise to you making a claim or potential claim under your insurance policy(ies). If you do not inform us (or your insurers) Failure to advise an insurer of such a claim an event or potential claim you may circumstance could prejudice your rights under your insurance contractspolicy. You If you fail to disclose or misrepresent any relevant information, this could invalidate your policy and mean that any claims under your policy may not be paid to you. We will be advised advise you if you need to complete a claim form or produce documentation to support your claim. 3.6 (d) After receiving your insurance documents from us, you must check them and advise us promptly of anything that does not meet your requirements. Any errors should be notified to us immediately. 3.7 (e) You must pay the premium(s), ) any statutory charges, government levies (including the EQC and Fire and Emergency levies), taxes, GST and fees when due fees) as set out detailed in our invoice(s), unless premium funding has been arranged, in which case you will have a separate arrangement to pay with the premium funder. We will give full On request, we can provide you with information about premium payment options when we provide quotationsour quotation. 3.8 If (f) It is your obligation to ensure you do not pay the premium premiums and other relevant charges on time, we are required to advise the insurer. The Your insurer has the right to cancel the insurance your policy if premiums are not paid on time and you will not be insured. The insurer may also charge a short-term premium for the time they have insured the risk. You may be charged interest and/or fines and penalties for late payment of any government or statutory charges as previously referred to. 3.9 Please note (g) We will comply with our obligations under the Health and Safety at Work Act and expect you to assist us in doing so, ensuring, as reasonably practicable, that we the safety of our people is not put at risk when they may visit . (h) We have no obligation to fund any premium, taxes or fees (if applicable) on your behalf and we will have no responsibility for any loss you may suffer as a result of insurers cancelling the insurance your policy or taking any prejudicial steps action as a result of late payment. Please contact us immediately if you are unable to make any premium payment. (i) We hold file material and correspondence regarding the services provided to you for at least 7 years, after which we may destroy your file without notice. It may be possible that you need to make a claim against a policy after this period. You remain responsible for your paperwork and correspondence and should keep your policy documents in a safe place.

Your Responsibilities. 3.1 4.1 You should carefully read have a general duty of disclosure. You are responsible on an ongoing basis for providing us with all material facts relating to the insurance contracts we arrange on your behalf. Material facts are those that would influence an insurer when they were deciding whether to accept the risk, and understand the terms and conditions that would apply. Failure to provide full and accurate information we have provided to you in may mean that your cover is reduced, cancelled, or avoided (cancelled) from the Insurance Manual we have provided to youbeginning. If you have not received or have misplaced this important document please ask for another one are in any doubt as it sets out your important obligations in relation to your insurance policieswhat facts are considered to be material you should disclose them to us. 3.2 4.2 You must provide accurate, complete and timely information to us. You are responsible for all information you provide in any proposal, claim form or other material document. We are not responsible for checking the accuracy or completeness of any information you provide to us or any insurer. We will not be responsible for any consequence resulting from a failure by you to disclose all material facts to an insurer (including, without limitation, the possibility of your insurance policies being rendered void or limited). 3.3 You must advise us of any change in your business that might affect your insurances. This may include, but not limited to, acquisitions, disposals, mergers, sale of principal assets, or material changes to business operations. 3.4 4.3 If you want to vary any insurance e.g. by increasing the sum insured or adding other property, you must provide us with details of the changes you require and any other information you need to disclose to insurers. Any adjustment to the premium as a result of such variation will be advised to you. 3.5 4.4 You must advise us (or your insurers) in terms of the appropriate policy as soon as is reasonably practicable of an event or circumstance that may give rise to a claim or potential claim under your insurance policy(ies)claim. If you do not inform us (or your insurers) of such a claim or potential claim you may prejudice your rights under your insurance contracts. You will be advised if you need to complete a claim form or produce documentation to support your claim. 3.6 4.5 After receiving your insurance documents from us, you must should check them and advise us promptly of anything that does not meet your requirements. Any errors should be notified to us immediately. 3.7 4.6 You must pay the premium(s), any statutory charges, government levies, taxes, GST and fees premiums when due as set out in our invoice(s)invoices, unless premium funding has been arranged. We normally accept payments by cheque. We will give full information about premium payment options when we provide quotations. Invoices detail the premium, statutory charges (government levies and GST) and fees (if applicable) for all new and renewals and mid-term variations. 3.8 4.7 If you do not pay the premium on time, we are required to advise the insurer. The In that event, the insurer has may have the right to cancel the insurance and you will not be insured. The insurer may also charge a short-term premium for the time they have insured the risk. 3.9 4.8 Please note that we have no obligation to fund any premium, taxes or fees (if applicable) on your behalf and we will have no responsibility for any loss you may suffer as a result of insurers cancelling the insurance or taking any prejudicial steps as a result of late payment.

Your Responsibilities. 3.1 You should carefully read and understand In respect of the information we have provided to you in the Insurance Manual we have provided to you. If you have not received or have misplaced this important document please ask for another one Risk Services, your responsibilities are as it sets out your important obligations in relation to your insurance policies.follows: 3.2 You must provide accurate, complete and timely information to us. 3.1.1 You are responsible for payments as set out in clause 6. 3.1.2 You are responsible for supplying us with all relevant information on a timely basis in relation to our provision of the services. Relevant information includes all information you provide in any proposal, claim form or other and facts which may be material document. We are not responsible for checking the accuracy or completeness of any information you provide to us or any insurer. We will not be responsible for any consequence resulting from a failure by you to disclose all material facts to an insurer (including, without limitation, the possibility insurer’s assessment of your a risk for which you have asked us to arrange insurance policies being rendered void or limited)cover. 3.3 You must advise us of 3.1.3 If you are unsure about any change in your business that might affect your insurances. This may include, but not limited to, acquisitions, disposals, mergers, sale of principal assetsmatter, or material changes to business operationswhat may constitute relevant information, please contact us for guidance. 3.4 If you want to vary any 3.1.4 Both before taking out an insurance e.g. by increasing policy and at the sum insured or adding other propertytime of renewing a policy, you must provide us with details all relevant information. You must also provide all relevant information in respect of any material or relevant change of circumstance or when additional material information comes to light throughout the period of the changes policy. 3.1.5 Should a circumstance, event or loss occur which could result in you require making a claim, you should advise us of the details as soon as possible and any other information within the time required under your insurance policy. Failure to advise an insurer of such a circumstance, event or loss could prejudice your rights under an insurance policy. If you need fail to disclose to insurers. Any adjustment to or misrepresent any relevant information, this could invalidate your policy and mean that any claims under the premium will policy may not be advised paid to you. 3.5 3.1.6 Your policy documents contain the terms of your cover (including applicable limits, sub-limits and deductibles) and impose various obligations on you. You must read these documents carefully to ensure that the cover suits your needs and so you understand and comply with your obligations under your policy(s). Failure to do this may result in uninsured losses. Please advise us (immediately if you notice any mistakes of fact or believe the contents do not address your insurers) in terms needs. 3.2 In respect of the appropriate policy of an event or circumstance that may give rise AGRC Services, your responsibilities are as follows: 3.2.1 You shall provide us promptly all reasonable and necessary assistance, including access to a claim or potential claim under your insurance policy(ies). If you do not inform all information, which we consider to be relevant to enable us (or your insurers) of such a claim or potential claim you may prejudice your rights under your insurance contracts. You will be advised if you need to complete a claim form or produce documentation to support your claimperform the AGRC Services. 3.6 After receiving your insurance documents from us3.2.2 In doing so, you must check them and advise us promptly of anything that does not meet your requirements. Any errors should be notified shall update information previously provided to us immediately. 3.7 You must pay the premium(s), any statutory charges, government levies, taxes, GST and fees when due as set out in our invoice(s), unless premium funding where there has been arrangeda material change to that information which affects the scope or performance of the AGRC Services by us. We will give full information about premium payment options when we provide quotations 3.8 If you do not pay the premium on time, we are required to advise the insurer. The insurer has the right to cancel the insurance and you will shall not be insured. The insurer may also charge a short-term premium for the time they have insured the risk. 3.9 Please note that we have no obligation to fund any premium, taxes or fees (if applicable) on your behalf and we will have no responsibility liable for any loss you may suffer as a result losses, damages, costs or expenses arising out of insurers cancelling errors due to the insurance provision to us of false, misleading or taking incomplete information or documentation or due to any prejudicial steps as a result acts or omissions of late paymentany other person.

Your Responsibilities. 3.1 6.1 In respect of the services we provide under this agreement, you are responsible as follows: 6.1.1 Your policy documents contain the terms and conditions of your insurance cover and impose obligations on you. You should carefully read and understand this information ensuring the information we have provided to insurance cover satisfies your needs and that you in the Insurance Manual we have provided to youunderstand your obligations. If you have not received or have misplaced this important your policy document please ask us for another one as it sets out your important obligations in relation to your insurance policiesone. 3.2 6.1.2 Your loan documents contain the terms and conditions of your mortgage or loan and impose obligations on you. You should carefully read and understand this information ensuring the product satisfies your needs and that you understand your obligations. If you have not received or have misplaced your documents please ask us for another one. 6.1.3 Before taking out an insurance policy and at the time of renewing any policy, you must provide us with accurate, complete and timely information to us. You are responsible for information, including all information that may be material to an insurer's assessment of any risk for which you provide in have asked us to arrange insurance cover. This includes any proposal, claim form material or other material documentrelevant change of circumstance during the term of your policy and on renewal. We are not responsible for checking the accuracy or completeness of any information you provide to us or any insurer. We will not be responsible for any consequence resulting from a failure by you to disclose all material facts to an insurer (including, without limitation, the possibility of your insurance policies being rendered void or limited). 3.3 6.1.4 You must advise us us, as soon as practicable, on becoming aware of any change in your business that might affect your insurances. This may include, but not limited to, acquisitions, disposals, mergers, sale of principal assets, or material changes to business operations. 3.4 If you want to vary any insurance e.g. by increasing the sum insured or adding other property, you must provide us with details of the changes you require and any other information you need to disclose to insurers. Any adjustment to the premium will be advised to you. 3.5 You must advise us (or your insurers) in terms of the appropriate policy of an event or circumstance that may give rise to you making a claim or potential claim under your insurance policy(ies). If you do not inform us (or your insurers) Failure to advise an insurer of such a claim an event or potential claim you may circumstance could prejudice your rights under your insurance contractspolicy. You If you fail to disclose or misrepresent any relevant information, this could invalidate your policy and mean that any claims under your policy may not be paid to you. We will be advised advise you if you need to complete a claim form or produce documentation to support your claim. 3.6 After receiving your insurance documents from us, you must check them and advise us promptly of anything that does not meet your requirements. Any errors should be notified to us immediately. 3.7 You must pay the premium(s), any statutory charges, government levies, taxes, GST and fees when due as set out in our invoice(s), unless premium funding has been arranged. We will give full information about premium payment options when we provide quotations 3.8 If you do not pay the premium on time, we are required to advise the insurer. The insurer has the right to cancel the insurance and you will not be insured. The insurer may also charge a short-term premium for the time they have insured the risk. 3.9 Please note that we have no obligation to fund any premium, taxes or fees (if applicable) on your behalf and we will have no responsibility for any loss you may suffer as a result of insurers cancelling the insurance or taking any prejudicial steps as a result of late payment.

Your Responsibilities. 3.1 4.1 In respect of the services we provide under this agreement, you are responsible as follows: (a) Your policy documents contain the terms and conditions of your insurance cover and impose obligations on you. You should carefully read and understand this information ensuring the information we have provided to insurance cover satisfies your needs and that you in the Insurance Manual we have provided to youunderstand your obligations. If you have not received or have misplaced this important your policy document please ask us for another one as it sets out your important obligations in relation to your insurance policiesone. 3.2 You (b) Before taking out an insurance policy and at the time of renewing any policy, you must provide us with accurate, complete and timely information to us. You are responsible for information, including all information which may be material to an insurer's assessment of any risk for which you provide in have asked us to arrange insurance cover. This includes any proposal, claim form material or other material documentrelevant change of circumstance during the term of your policy and on renewal. We are not responsible for checking the accuracy or completeness of any information you provide to us or any insurer. We will not be responsible for any consequence resulting from a failure by you to disclose all material facts to an insurer (including, without limitation, the possibility of your insurance policies being rendered void or limited). 3.3 (c) You must advise us us, as soon as practicable, on becoming aware of any change in your business that might affect your insurances. This may include, but not limited to, acquisitions, disposals, mergers, sale of principal assets, or material changes to business operations. 3.4 If you want to vary any insurance e.g. by increasing the sum insured or adding other property, you must provide us with details of the changes you require and any other information you need to disclose to insurers. Any adjustment to the premium will be advised to you. 3.5 You must advise us (or your insurers) in terms of the appropriate policy of an event or circumstance that may give rise to you making a claim or potential claim under your insurance policy(ies). If you do not inform us (or your insurers) Failure to advise an insurer of such a claim an event or potential claim you may circumstance could prejudice your rights under your insurance contractspolicy. You If you fail to disclose or misrepresent any relevant information, this could invalidate your policy and mean that any claims under your policy may not be paid to you. We will be advised advise you if you need to complete a claim form or produce documentation to support your claim. 3.6 (d) After receiving your insurance documents from us, you must check them and advise us promptly of anything that does not meet your requirements. Any errors should be notified to us immediately. 3.7 (e) You must pay the premium(s), ) any statutory charges, government levies (including the EQC and Fire and Emergency levies), taxes, GST and fees when due fees) as set out detailed in our invoice(s), unless premium funding has been arranged. We will give full information about premium payment options when we provide quotations 3.8 If you do not pay the premium on time, we are required to advise the insurer. The insurer has the right to cancel the insurance and in which case you will not be insured. The insurer may also charge have a short-term premium for separate arrangement to pay with the time they have insured the risk. 3.9 Please note that we have no obligation to fund any premium, taxes or fees (if applicable) on your behalf and we will have no responsibility for any loss you may suffer as a result of insurers cancelling the insurance or taking any prejudicial steps as a result of late payment.

Your Responsibilities. 3.1 In respect of the services we provide under this agreement, you are responsible as follows: (a) Your policy documents contain the terms and conditions of your insurance cover and impose obligations on you. You should carefully read and understand this information ensuring the information we have provided to insurance cover satisfies your needs and that you in the Insurance Manual we have provided to youunderstand your obligations. If you have not received or have misplaced this important your policy document please ask us for another one as it sets out your important obligations in relation to your insurance policiesone. 3.2 You (b) Before taking out an insurance policy and at the time of renewing any policy, you must provide us with accurate, complete and timely information to us. You are responsible for information, including all information which may be material to an insurer's assessment of any risk for which you provide in have asked us to arrange insurance cover. This includes any proposal, claim form material or other material documentrelevant change of circumstance during the term of your policy and on renewal. We are not responsible for checking the accuracy or completeness of any information you provide to us or any insurer. We will not be responsible for any consequence resulting from a failure by you to disclose all material facts to an insurer (including, without limitation, the possibility of your insurance policies being rendered void or limited). 3.3 (c) You must advise us us, as soon as practicable, on becoming aware of any change in your business that might affect your insurances. This may include, but not limited to, acquisitions, disposals, mergers, sale of principal assets, or material changes to business operations. 3.4 If you want to vary any insurance e.g. by increasing the sum insured or adding other property, you must provide us with details of the changes you require and any other information you need to disclose to insurers. Any adjustment to the premium will be advised to you. 3.5 You must advise us (or your insurers) in terms of the appropriate policy of an event or circumstance that may give rise to you making a claim or potential claim under your insurance policy(ies). If you do not inform us (or your insurers) Failure to advise an insurer of such a claim an event or potential claim you may circumstance could prejudice your rights under your insurance contractspolicy. You will be advised if If you need fail to complete a claim form disclose or produce documentation to support your claim.misrepresent any relevant information, this could 3.6 (d) After receiving your insurance documents from us, you must check them and advise us promptly of anything that does not meet your requirements. Any errors should be notified to us immediately. 3.7 (e) You must pay the premium(s), any statutory charges, government levies (including the EQC and Fire and Emergency levies), taxes, GST and fees when due fees) as set out detailed in our invoice(s), unless premium funding has been arranged, in which case you will have a separate arrangement to pay with the premium funder. We will give full On request, we can provide you with information about premium payment options when we provide quotationsour quotation. 3.8 If (f) It is your obligation to ensure you do not pay the premium premiums and other relevant charges on time, we are required to advise the insurer. The Your insurer has the right to cancel the insurance your policy if premiums are not paid on time and you will not be insured. The insurer may also charge a short-term premium for the time they have insured the risk. You may be charged interest and/or fines and penalties for late payment of any government or statutory charges as previously referred to. 3.9 Please note (g) We will comply with our obligations under the Health and Safety at Work Act and expect you to assist us in doing so, ensuring, as reasonably practicable, that we the safety of our people is not put at risk when they may visit. (h) We have no obligation to fund any premium, taxes or fees (if applicable) on your behalf and we will have no responsibility for any loss you may suffer as a result of insurers cancelling the insurance your policy or taking any prejudicial steps action as a result of late payment. Please contact us immediately if you are unable to make any premium payment. (i) We hold file material and correspondence regarding the services provided to you for at least 7 years, after which we may destroy your file without notice. It may be possible that you need to make a claim against a policy after this period. You remain responsible for your paperwork and correspondence and should keep your policy documents in a safe place.

Your Responsibilities. 3.1 You should carefully read will pay the price for the services in accordance with the services description. You will provide me with such information and understand assistance (and ensure that any information is complete and accurate) as I reasonably need to provide the information we have provided services. You and I shall agree a method of communicating with each other and adhere to you that method. The price for the services is set out in the Insurance Manual we services description. I reserve the right to take full payment from you for a missed workshop or session. Both Parties recognise the potential impact on my business if training workshops or courses are cancelled or postponed at short notice. I will maintain close dialogue with you and offer flexibility when it comes to changes at short notice, accepting that urgent business and/or personal issues do arise. However, where a scheduled workshop or session is cancelled or postponed by you, cancellation/postponement fees will be payable as follows: Up to 3 weeks notice – no charge Up to 48 hours notice – 50% of the applicable fee Within 24 hours notice – 80% of the applicable fee Late or No Show – 100% of the applicable fee where you wish to cancel this contract in full and you give me one month’s notice in writing, I shall give you a partial refund for workshops and sessions which you have provided to you. If paid for in advance and which you have not received or have misplaced this important document please ask for another one as it sets out your important obligations in relation to your insurance policies. 3.2 You must provide accurate, complete and timely information to us. You are responsible for all information you provide in any proposal, claim form or other material document. We are not responsible for checking the accuracy or completeness of any information you provide to us or any insurer. We will not be responsible for any consequence resulting from a failure by you to disclose all material facts to an insurer (including, without limitation, the possibility of your insurance policies being rendered void or limited). 3.3 You must advise us of any change in your business that might affect your insurances. This may includereceived, but not limited to, acquisitions, disposals, mergers, sale of principal assets, or material changes to business operations. 3.4 If you want to vary any insurance e.g. by increasing the sum insured or adding other property, you must provide us with details of the changes you require and any other information you need to disclose to insurers. Any adjustment to the premium will be advised to you. 3.5 You must advise us (or your insurers) in terms of the appropriate policy of an event or circumstance that may give rise to a claim or potential claim under your insurance policy(ies). If you do not inform us (or your insurers) of such a claim or potential claim you may prejudice your rights under your insurance contracts. You will be advised if you need to complete a claim form or produce documentation to support your claim. 3.6 After receiving your insurance documents from us, you must check them and advise us promptly of anything that does not meet your requirements. Any errors should be notified to us immediately. 3.7 You must pay the premium(s), any statutory charges, government levies, taxes, GST and fees when due as set out in our invoice(s), unless premium funding has been arranged. We will give full information about premium payment options when we provide quotations 3.8 If you do not pay the premium on time, we are required to advise the insurer. The insurer has the right to cancel the insurance and you will not be insured. The insurer may also charge a short-term premium I shall deduct reasonable compensation for the time they have insured the risk. 3.9 Please note that we have no obligation to fund any premium, taxes or fees (if applicable) on your behalf and we will have no responsibility for any loss you may suffer costs I shall incur as a result of insurers cancelling your ending the insurance contract. Payment is via Direct Bank transfer, by credit card via an iZettle link or taking by cheque made payable to ‘X. X. Xxxxxxx’. If any prejudicial steps as of your payments are not paid on the due date, I may charge interest on any balance outstanding at the rate of 4 percentage points a result year above Lloyd’s Bank plc's base rate. If I provide you with any materials, whether digital or printed, any intellectual property in those materials belongs to me and unless we agree otherwise you can only use those materials for your own personal use and you may not share them with third parties. I shall use the personal information you give to me to: provide the services; process your payment for the services; and inform you about any similar products and services that I provide (though you may stop receiving this information at any time by contacting me). I shall not give your personal information to any third party unless you agree to it. See my full Privacy Policy for full details of late paymenthow I use your personal information.

Your Responsibilities. 3.1 You should carefully read and understand the information we have provided to you in the Insurance Manual Documents we have provided to you. If you have not received or have misplaced this important document please ask for another one as it sets out your important obligations in relation to your insurance policies. 3.2 You must provide accurate, complete and timely information to us. You are responsible for all information you provide in any proposal, claim form or other material document. We are not responsible for checking the accuracy or completeness of any information you provide to us or any insurer. We will not be responsible for any consequence resulting from a failure by you to disclose all material facts to an insurer (including, without limitation, the possibility of your insurance policies being rendered void or limited). 3.3 You must advise us of any change in your business that might affect your insurances. This may include, but not limited to, acquisitions, disposals, mergers, sale of principal assets, or material changes to business operations. 3.4 If you want to vary any insurance e.g. by increasing the sum insured or adding other property, you must provide us with details of the changes you require and any other information you need to disclose to insurers. Any adjustment to the premium will be advised to you. 3.5 3.4 You must advise us (or your insurers) in terms of the appropriate policy of an event or circumstance that may give rise to a claim or potential claim under your insurance policy(ies). If you do not inform us (or your insurers) of such a claim or potential claim you may prejudice your rights under your insurance contracts. You will be advised if you need to complete a claim form or produce documentation to support your claim. 3.6 3.5 After receiving your insurance documents from us, you must check them and advise us promptly of anything that does not meet your requirements. Any errors should be notified to us immediately. 3.7 3.6 You must pay the premium(s), any statutory charges, government levies, taxes, GST and fees when due as set out in our invoice(s), unless premium funding has been arranged. We will give full information about premium payment options when we provide quotations 3.8 3.7 If you do not pay the premium on time, we are required to advise the insurer. The insurer has the right to cancel the insurance and you will not be insured. The insurer may also charge a short-term premium for the time they have insured the risk. 3.9 3.8 Please note that we have no obligation to fund any premium, taxes or fees (if applicable) on your behalf and we will have no responsibility for any loss you may suffer as a result of insurers cancelling canceling the insurance or taking any prejudicial steps as a result of late payment.

Your Responsibilities. 3.1 You should carefully read In order for us to be able to provide you with the Services, you: 3.1.1 must act at all times with utmost good faith towards your insurer or prospective insurer, which as a minimum requires you to act honestly toward your insurer and understand to not mislead or withhold information that is relevant to the insured risks; 3.1.2 acknowledge that you have a duty of disclosure to your insurer and you must, on an ongoing basis, provide us with all material facts relating to the Policies that we arrange or seek to arrange on your behalf. Material facts are those that would influence an insurer when they are deciding whether to accept the risk, and the terms and conditions that will apply if they do so. Failure to provide full and accurate information we have provided may mean that your cover is reduced, cancelled, or if the non-disclosure is fraudulent, the insurer may be able to you in avoid (cancel) the Insurance Manual we have provided to youcontract from the very beginning. If you have not received or have misplaced this important document please ask for another one are in any doubt as it sets out your important obligations in relation to your insurance policieswhat facts are considered to be material, you should disclose them to us. 3.2 3.1.3 You must provide accurate, complete and timely information to us. You are responsible for all information you provide in any proposal, claim form or other material document. We are not responsible for checking the accuracy or completeness of any information you provide to us or any insurer. We will not be responsible for any consequence resulting from a failure by you to disclose all material facts to an insurer (including, without limitation, the possibility of your insurance policies being rendered void or limited). 3.3 3.1.4 You must advise us on an ongoing basis of any change in your business that might affect your insurances. This may include, but not limited to, include acquisitions, disposals, mergers, sale of principal assets, or material changes to your business operations. 3.4 3.1.5 If you want to vary any insurance e.g. by increasing the sum insured or adding other property, you must provide us with details of the changes you require and any other information you need to disclose to insurers. Any adjustment to the premium will be advised to you. 3.5 3.1.6 You must advise us (or your insurers) in terms of the appropriate policy as soon as is reasonably practicable of an event or circumstance that may give rise to a claim or potential claim under your insurance policy(ies)Policy/Policies. If you do not inform us (or your insurers) of such a claim or potential claim claim, you may prejudice your rights under your insurance contractsPolicy/Policies. You will be advised if you need to complete a claim form or produce documentation to support your claim. 3.6 3.1.7 After receiving your insurance documents from us, you must check them and advise us promptly of anything that does not meet your requirements. Any errors or issues should be notified to us immediately. 3.7 3.1.8 You must pay the premium(s), any statutory charges, government levies, taxes, GST and fees when due as set out in our invoice(s), unless premium funding has been arranged. We will give full information about are not obliged to send reminders to you if your premium payment options when is not paid on time although we provide quotationsmay do so. 3.8 3.1.9 If you do not pay the premium on time, we are required to advise the insurer. The insurer has the right to cancel the insurance and you will not be insured. The insurer may also charge a short-term premium for the time they have insured the risk. You will be required to pay this amount regardless of whether you have made a claim. 3.9 3.2 Please note that we have no obligation to fund any premium, taxes or fees (if applicable) on your behalf and we will have no responsibility for any loss you may suffer as a result of insurers cancelling the insurance policy cancellation or taking any prejudicial steps an insurer may otherwise take as a result of late payment. 3.3 You must notify us promptly of any change of address or contact details. We may send all communications to you at the last address that you notified to us formally.

Your Responsibilities. 3.1 You should carefully read and understand 4.1 In respect of the information we have provided to you in the Insurance Manual we have provided to you. If you have not received or have misplaced this important document please ask for another one Risk Services, your responsibilities are as it sets out your important obligations in relation to your insurance policies.follows: 3.2 You must provide accurate, complete and timely information to us. 4.1.1 You are responsible for supplying us with all relevant information on a timely basis both before taking out an insurance policy and at the time of renewing a policy. You must also provide all relevant information in respect of any material or relevant change of circumstance or when additional material information comes to light, throughout the period of the policy. Relevant information includes all information you provide in any proposal, claim form or other and facts which may be material document. We are not responsible for checking the accuracy or completeness of any information you provide to us or any insurer. We will not be responsible for any consequence resulting from a failure by you to disclose all material facts to an insurer (including, without limitation, the possibility insurer’s assessment of your a risk for which you have asked us to arrange insurance policies being rendered void or limited)cover. 3.3 You must 4.1.2 If you are unsure about any matter, or what may constitute relevant information, please contact us for guidance. 4.1.3 Should a circumstance, event or loss occur which could result in you making a claim, you should advise us of any change in the details as soon as possible and within the time required under your business that might affect insurance policy. Failure to advise an insurer of such a circumstance, event or loss could prejudice your insurancesrights under an insurance policy. This may include, but not limited to, acquisitions, disposals, mergers, sale of principal assets, or material changes to business operations. 3.4 If you want to vary any insurance e.g. by increasing the sum insured or adding other property, you must provide us with details of the changes you require and any other information you need fail to disclose to insurers. Any adjustment to or misrepresent any relevant information, this could invalidate your policy and mean that any claims under the premium will policy may not be advised paid to you. 3.5 4.1.4 Your policy documents contain the terms of your cover (including applicable limits, sub-limits and deductibles) and impose various obligations on you. You must read these documents carefully to ensure that the cover suits your needs and so you understand and comply with your obligations under your policy(s). Failure to do this may result in uninsured losses. Please advise us (immediately if you notice any mistakes of fact or believe the contents do not address your insurers) in terms needs. 4.2 In respect of the appropriate policy of an event or circumstance that may give rise AGRC Services, your responsibilities are as follows: 4.2.1 You shall promptly provide us with all reasonable and necessary assistance, including access to a claim or potential claim under your insurance policy(ies). If you do not inform all information, which we consider to be relevant to enable us (or your insurers) of such a claim or potential claim you may prejudice your rights under your insurance contracts. You will be advised if you need to complete a claim form or produce documentation to support your claimperform the AGRC Services. 3.6 After receiving your insurance documents from us4.2.2 In doing so, you must check them and advise us promptly of anything that does not meet your requirements. Any errors should be notified shall update information previously provided to us immediately. 3.7 You must pay the premium(s), any statutory charges, government levies, taxes, GST and fees when due as set out in our invoice(s), unless premium funding where there has been arrangeda material change to that information which affects the scope or performance of the AGRC Services by us. We will give full information about premium payment options when we provide quotations 3.8 If you do not pay the premium on time, we are required to advise the insurer. The insurer has the right to cancel the insurance and you will shall not be insured. The insurer may also charge a short-term premium for the time they have insured the risk. 3.9 Please note that we have no obligation to fund any premium, taxes or fees (if applicable) on your behalf and we will have no responsibility liable for any loss you may suffer as a result losses, damages, costs or expenses arising out of insurers cancelling errors due to the insurance provision to us of false, misleading or taking incomplete information or documentation or due to any prejudicial steps as a result acts or omissions of late paymentany other person.

Your Responsibilities. 3.1 You should carefully read and understand the information we have provided to you in the Insurance Manual we have provided to you. If you have not received or have misplaced this important document please ask for another one as it sets out your important obligations in relation to your insurance policies. 3.2 You must provide accurate, complete and timely information to us. You are responsible for all information you provide in any proposal, claim form or other material document. We are not responsible for checking the accuracy or completeness of any information you provide to us or any insurer. We will not be responsible for any consequence resulting from a failure by you to disclose all material facts to an insurer (including, without limitation, the possibility of your insurance policies being rendered void or limited). 3.3 You must advise us of any change in your business that might affect your insurances. This may include, but not limited to, acquisitions, disposals, mergers, sale of principal assets, or material changes to business operations. 3.4 If you want to vary any insurance e.g. by increasing the sum insured or adding other property, you must provide us with details of the changes you require and any other information you need to disclose to insurers. Any adjustment to the premium will be advised to you. 3.5 3.4 You must advise us (or your insurers) in terms of the appropriate policy of an event or circumstance that may give rise to a claim or potential claim under your insurance policy(ies). If you do not inform us (or your insurers) of such a claim or potential claim you may prejudice your rights under your insurance contracts. You will be advised if you need to complete a claim form or produce documentation to support your claim. 3.6 3.5 After receiving your insurance documents from us, you must check them and advise us promptly of anything that does not meet your requirements. Any errors should be notified to us immediately. 3.7 3.6 You must pay the premium(s), any statutory charges, government levies, taxes, GST and fees when due as set out in our invoice(s), unless premium funding has been arranged. We will give full information about premium payment options when we provide quotations 3.8 3.7 If you do not pay the premium on time, we are required to advise the insurer. The insurer has the right to cancel the insurance and you will not be insured. The insurer may also charge a short-term premium for the time they have insured the risk. 3.9 3.8 Please note that we have no obligation to fund any premium, taxes or fees (if applicable) on your behalf and we will have no responsibility for any loss you may suffer as a result of insurers cancelling canceling the insurance or taking any prejudicial steps as a result of late payment.

Your Responsibilities. 3.1 You should carefully read and understand the information we have provided to you in the Insurance Manual we have provided to youAll answers on proposal forms or any other document or statement made are your responsibility. If you have not received or have misplaced this important document please ask for another one as it sets out your important obligations in relation to your insurance policies. 3.2 You must provide accurate, complete and timely information to us.  You are responsible for providing complete and accurate information which insurers require in connection with any proposal for insurance cover. This is particularly important before taking out a policy or at renewal but it also applies throughout the life of the policy.  If you fail to disclose any material information to the insurance company, this could invalidate the policy and mean that claims may not be paid.  You should check all information you provide in details on any proposal, claim proposal form or Statement of Facts and pay particular attention to any declaration you may be asked to sign.  You should read all insurance documents issued to you and ensure that you are aware of the cover, limits and other material documentterms that apply.  You should pay particular attention to any warranties and conditions as failure to comply with them could invalidate your policy.  You should inform us immediately of any changes in circumstances that may affect the services provided by us or the cover provided by your policy. We are not responsible for checking the accuracy or completeness of any information you provide to us or any insurer. We will not be responsible for any consequence resulting from a failure by strongly advise you to disclose retain copies of all material facts to an insurer (including, without limitation, the possibility of your insurance policies being rendered void or limited). 3.3 You must advise us of any change in your business correspondence that might affect your insurances. This may include, but not limited to, acquisitions, disposals, mergers, sale of principal assets, or material changes to business operations. 3.4 If you want to vary any insurance e.g. by increasing the sum insured or adding other property, you must provide us with details of the changes you require and any other information you need to disclose to insurers. Any adjustment to the premium will be advised to you. 3.5 You must advise us (or your insurers) in terms of the appropriate policy of an event or circumstance that may give rise to a claim or potential claim under your insurance policy(ies). If you do not inform us (or your insurers) of such a claim or potential claim you may prejudice your rights under your insurance contracts. You will be advised if you need to complete a claim form or produce documentation to support your claim. 3.6 After receiving your insurance documents from send us, you must check them and advise us promptly of anything that does not meet for your requirementsown protection. Any errors should be notified to us immediately. 3.7 You must pay the premium(s), any statutory charges, government levies, taxes, GST and fees when due as set out in our invoice(s), unless premium funding has been arranged. We will give full information about premium payment options when we provide quotations 3.8 If you do not pay the premium on time, Where we are required to advise verify your identity in accordance with the insurerFCA rules, no investment will be made until such verification has been obtained. The insurer has If the right required verification is not forthcoming within a reasonable period, we will be unable to cancel arrange any investments for you. We may use and search the insurance records of credit reference or fraud prevention agencies to check your identity to satisfy the requirements of the UK Money Laundering Regulation 2007, Proceeds of Crime Xxx 0000 (as amended), the Terrorism Xxx 0000, the Anti-terrorism, Crime and you Security Xxx 0000 and FCA rules. Such searches will not affect your credit rating, although they can be insuredseen by anyone reviewing your credit report in the future. The insurer may also charge By signing this agreement you are consenting to Lighthouse Advisory Services Limited validating your personal identification and address via these means. Please inform us if this is not acceptable. Your personal data will be processed by Lighthouse Financial Advice Limited and Lighthouse Advisory Services Limited, which are part of Lighthouse Group plc (the "Group"). This privacy notice is to let you know how companies within the Group will look after your personal data. This includes what you tell us about yourself, what we learn by having you as a short-term premium for customer, and the time they have insured choices you give us about what marketing information you want us to send you. This notice explains how we do this and tells you about your privacy rights and how the risk. 3.9 Please note law protects you. Data Protection law says that we can only use personal data if we have no obligation a proper reason to fund any premiumdo so. This includes sharing it outside Lighthouse Group plc. For example (and as described in more detail below) in different scenarios the following reasons may justify our processing of your data:  To fulfil a contract we have with you, taxes or fees  When it is our legal duty, or  When it is in our legitimate business or commercial interest (if applicable) on provided that our legitimate interest is not overridden by your behalf and we will have no responsibility for any loss rights), or  When you may suffer as a result of insurers cancelling the insurance or taking any prejudicial steps as a result of late paymentconsent to it.

Your Responsibilities. 3.1 1.3.1 You should carefully read will provide to Us on request information relating to your finances. This will include but will not be limited to details of your income and understand expenditure, your Creditors and any agreements You have with them, any loans or mortgages You have, your dependants and any judgements made against You or any other enforcement action being taken against You. 1.3.2 You will sign any necessary forms of authority or any other documents so that We may negotiate with your Creditors on your behalf. 1.3.3 You will pass copies of all correspondence from your Creditors to Us and keep Us informed of any dealings You have with any Creditors, whether We are negotiating with them or not. Once the information we have provided to you DMP has been agreed, You will not make any expenditure over and above your reasonable living expenses as calculated in the Insurance Manual we have provided to youDMP. If you have You will not received or have misplaced this important document please ask for another one as it sets out use your important obligations credit cards nor incur further debts. 1.3.4 You will consult with Us in relation to your insurance policiesDMP repayments in relation to any alterations to it or reviews of it. Your payments to Us will need to be amended to reflect any reasonable changes which your circumstances dictate. You will make payments to Us in accordance with the DMP promptly and without any deductions. 3.2 1.3.5 On occasion your Creditors may not provide Us with balances of your accounts due to their own company procedures. If these circumstances arise then You must provide accurate, complete will obtain this information for Us and timely information to us. You are responsible for all information you provide in any proposal, claim form or other material document. supply Us accordingly. 1.3.6 We are not responsible for checking the accuracy or completeness of any information you provide to us or any insurer. We will cannot be held responsible for any consequence resulting from a failure legal action taken against You by you to disclose all material facts to an insurer (including, without limitation, the possibility of your insurance policies being rendered void or limited). 3.3 You must advise us of any change in your business that might affect your insurances. This may include, but not limited to, acquisitions, disposals, mergers, sale of principal assets, or material changes to business operations. 3.4 If you want to vary any insurance e.g. by increasing the sum insured or adding other property, you must provide us with details of the changes you require and any other information you need to disclose to insurers. Any adjustment to the premium will be advised to you. 3.5 You must advise us (or your insurers) in terms of the appropriate policy of an event or circumstance that may give rise to a claim or potential claim under your insurance policy(ies). If you do not inform us (or your insurers) of such a claim or potential claim you may prejudice your rights under your insurance contracts. You will be advised if you need to complete a claim form or produce documentation to support your claim. 3.6 After receiving your insurance documents from us, you must check them and advise us promptly of anything that does not meet your requirements. Any errors should be notified to us immediately. 3.7 You must pay the premium(s), any statutory charges, government levies, taxes, GST and fees when due as set out in our invoice(s), unless premium funding has been arranged. We will give full information about premium payment options when we provide quotations 3.8 If you do not pay the premium on time, we are required to advise the insurer. The insurer has the right to cancel the insurance and you will not be insured. The insurer may also charge a short-term premium for the time they have insured the risk. 3.9 Please note that we have no obligation to fund any premium, taxes or fees (if applicable) on your behalf and we will have no responsibility for any loss you may suffer Creditors as a result of insurers cancelling fraudulent or incorrect information provided by You at the insurance time of acquiring a loan, HP agreement, credit card or taking any prejudicial steps as a other form of credit. 1.3.7 Non contact from You will not be considered cancellation of the agreement. If any funds are owing to You then written confirmation will be required to release funds owing to You in accordance with section 1.6 of this agreement. 1.3.8 If You do not maintain regular payments We will suspend any action and payments on your account. Your Creditors may have to be informed that payments are not being maintained. This may result of late paymentin your Creditors continuing legal action against You for which We cannot be held responsible. 1.3.9 You remain responsible for continuing to pay any secured loans, mortgages or Hire Purchase agreements and all household bills (including insurances).

Your Responsibilities. 3.1 You should carefully read will pay the price for the services in accordance with the relevant services description. You will provide me with such information and understand assistance (and ensure that any information is complete and accurate) as I reasonably need to provide the information we have provided services. You and I shall agree on a method of communicating with each other between sessions and adhere to you that method. The conduct of the Student shall be conducive to learning. The price for the services is set out in the Insurance Manual we relevant services description. Usually, I require full payment in advance in order to provide the services. In certain circumstances I may agree to payment by instalments, in which case a supplementary fee will be chargeable. The relevant services description will state if I have provided agreed to youaccept payment by instalments. If I agree to accept payment by instalments and you fail to make any of the instalment payments on the due date then I shall invoice you immediately for the whole of the outstanding balance and payment for that invoice will be due by return. My refund policy is as follows: The fees are non-refundable except for where I cancel a program you are entitled to a partial refund for sessions which you have paid for in advance and which you have not received or have misplaced this important document please ask for another one as it sets out your important obligations in relation received. In all other circumstances I am not able to your insurance policies. 3.2 You must provide accurate, complete and timely information refund to us. You are responsible for all information you provide in any proposal, claim form or other material document. We are not responsible for checking the accuracy or completeness of any information you provide to us or any insurer. We will not be responsible for any consequence resulting from a failure by you to disclose all material facts to an insurer (including, without limitation, the possibility of your insurance policies being rendered void or limited). 3.3 You must advise us of any change in your business that might affect your insurances. This may include, but not limited to, acquisitions, disposals, mergers, sale of principal assets, or material changes to business operations. 3.4 If you want to vary any insurance e.g. by increasing the sum insured or adding other property, you must provide us with details of the changes payments you require and any other information you need to disclose to insurers. Any adjustment to the premium will be advised to you. 3.5 You must advise us (or your insurers) in terms of the appropriate policy of an event or circumstance that may give rise to a claim or potential claim under your insurance policy(ies). If have made, even where you do not inform us (complete your sessions with me, as payment is for the program as a whole, not individual sessions. This is a reflection of the amount of preparation I need to put into the program to make it most effective for your child and the amount of time I shall dedicate and set aside for preparing for and attending our sessions together. This policy also helps you with your own accountability and commitment. Payment is via Stripe or direct transfer to my bank account. If I provide you with any materials, whether digital or printed, any intellectual property in those materials belongs to me and unless I agree otherwise you can only use those materials for your insurers) of such a claim or potential claim own personal use and you may prejudice not share them with third parties. I shall use the personal information you give to me to: provide the services; process your rights under your insurance contracts. You will be advised if you need to complete a claim form or produce documentation to support your claim. 3.6 After receiving your insurance documents from us, you must check them and advise us promptly of anything that does not meet your requirements. Any errors should be notified to us immediately. 3.7 You must pay the premium(s), any statutory charges, government levies, taxes, GST and fees when due as set out in our invoice(s), unless premium funding has been arranged. We will give full information about premium payment options when we provide quotations 3.8 If you do not pay the premium on time, we are required to advise the insurer. The insurer has the right to cancel the insurance and you will not be insured. The insurer may also charge a short-term premium for the time they have insured the risk. 3.9 Please note services; and inform you about any similar products and services that we have no obligation to fund any premium, taxes or fees I provide (if applicable) on your behalf and we will have no responsibility for any loss though you may suffer as a result of insurers cancelling the insurance or taking stop receiving this information at any prejudicial steps as a result of late paymenttime by contacting me). I shall not give your personal information to any third party unless you agree to it.

Your Responsibilities. 3.1 You should carefully read In order for us to be able to provide you with the Services, you: (i) must act at all times with utmost good faith towards your insurer or prospective insurer, which as a minimum requires you to act honestly toward your insurer and understand to not mislead or withhold information that is relevant to the insured risks; (ii) acknowledge that you have a duty of disclosure to your insurer and you must, on an ongoing basis, provide us with all material facts relating to the Policies that we arrange or seek to arrange on your behalf. Material facts are those that would influence an insurer when they are deciding whether to accept the risk, and the terms and conditions that will apply if they do so. Failure to provide full and accurate information we have provided may mean that your cover is reduced, cancelled, or if the non- disclosure is fraudulent, the insurer may be able to you in cancel the Insurance Manual we have provided to youcontract from the very beginning. If you have not received or have misplaced this important document please ask for another one are in any doubt as it sets out your important obligations in relation to your insurance policies. 3.2 what facts are considered to be material, you should disclose them to us. You must provide accurate, complete and timely information to us. You are responsible for all information you provide in any proposal, claim form or other material document. We are not responsible for checking the accuracy or completeness of any information you provide to us or any insurer. We will not be responsible for any consequence resulting from a failure by you to disclose all material facts to an insurer (including, without limitation, the possibility of your insurance policies being rendered void or limited). 3.3 You must advise us of any change in your business that might affect your insurances. This may include, but not limited to, acquisitions, disposals, mergers, sale of principal assets, or material changes to business operations. 3.4 If you want to vary any insurance e.g. e.g., by increasing the sum insured or adding other property, you must provide us with details of the changes you require and any other information you need to disclose to insurers. Any adjustment to the premium will be advised to you. 3.5 . You must advise us (or your insurers) in terms of the appropriate policy insurers as soon as is reasonably practicable of an event or circumstance that may give rise to a claim or potential claim under your insurance policy(ies)Policy/Policies. If you do not inform us (or your insurers) insurers of such a claim or potential claim you may prejudice your rights under your insurance contractsPolicy/Policies. You will be advised if you need to complete a claim form or produce documentation to support your claim. 3.6 . After receiving your insurance documents from usdocuments, you must check them and advise us promptly of anything that does not meet your requirements. Any errors or issues should be notified to us immediately. 3.7 . You must pay the premium(s), any statutory charges, government levies, taxes, GST and fees when due as set out in our invoice(s), unless premium funding has been arrangedagreed terms. We will give full information about are not obliged to send reminders to you if your premium payment options when is not paid on time although we provide quotations 3.8 If may do so. You must notify us promptly of any change of address or contact details. We may send all communications to you do not pay at the premium on time, we are required last address that you notified to advise the insurer. The insurer has the right to cancel the insurance and you will not be insured. The insurer may also charge a short-term premium for the time they have insured the riskus formally. 3.9 Please note that we have no obligation to fund any premium, taxes or fees (if applicable) on your behalf and we will have no responsibility for any loss you may suffer as a result of insurers cancelling the insurance or taking any prejudicial steps as a result of late payment.

Your Responsibilities. 3.1 You should carefully read and understand the information we have provided to you in the Insurance Manual we have provided to youAll answers on proposal forms or any other document or statement made are your responsibility. If you have not received or have misplaced this important document please ask for another one as it sets out your important obligations in relation to your insurance policies. 3.2 You must provide accurate, complete and timely information to us.  You are responsible for providing complete and accurate information which insurers require in connection with any proposal for insurance cover. This is particularly important before taking out a policy or at renewal but it also applies throughout the life of the policy.  If you fail to disclose any material information, to the insurance company this could invalidate the policy and mean that claims may not be paid.  You should check all information you provide in details on any proposal, claim proposal form or Statement of Facts and pay particular attention to any declaration you may be asked to sign.  You should read all insurance documents issued to you and ensure that you are aware of the cover, limits and other material documentterms that apply.  You should pay particular attention to any warranties and conditions as failure to comply with them could invalidate your policy.  You should inform us immediately of any changes in circumstances that may affect the services provided by us or the cover provided by your policy. We are not responsible for checking the accuracy or completeness of any information you provide to us or any insurer. We will not be responsible for any consequence resulting from a failure by strongly advise you to disclose retain copies of all material facts to an insurer (including, without limitation, the possibility of your insurance policies being rendered void or limited). 3.3 You must advise us of any change in your business correspondence that might affect your insurances. This may include, but not limited to, acquisitions, disposals, mergers, sale of principal assets, or material changes to business operations. 3.4 If you want to vary any insurance e.g. by increasing the sum insured or adding other property, you must provide us with details of the changes you require and any other information you need to disclose to insurers. Any adjustment to the premium will be advised to you. 3.5 You must advise us (or your insurers) in terms of the appropriate policy of an event or circumstance that may give rise to a claim or potential claim under your insurance policy(ies). If you do not inform us (or your insurers) of such a claim or potential claim you may prejudice your rights under your insurance contracts. You will be advised if you need to complete a claim form or produce documentation to support your claim. 3.6 After receiving your insurance documents from send us, you must check them and advise us promptly of anything that does not meet for your requirementsown protection. Any errors should be notified to us immediately. 3.7 You must pay the premium(s), any statutory charges, government levies, taxes, GST and fees when due as set out in our invoice(s), unless premium funding has been arranged. We will give full information about premium payment options when we provide quotations 3.8 If you do not pay the premium on time, Where we are required to advise verify your identity in accordance with the insurerFCA rules, no investment will be made until such verification has been obtained. The insurer has If the right required verification is not forthcoming within a reasonable period, we will be unable to cancel arrange any investments for you. We may use and search the insurance records of credit reference or fraud prevention agencies to check your identity to satisfy the requirements of the UK Money Laundering Regulation 2007, Proceeds of Crime Xxx 0000 (as amended), the Terrorism Xxx 0000, the Anti-terrorism, Crime and you Security Xxx 0000 and FCA rules. Such searches will not affect your credit rating, although they can be insuredseen by anyone reviewing your credit report in the future. The insurer may also charge By signing this agreement you are consenting to Lighthouse Advisory Services Limited validating your personal identification and address via these means. Please inform us if this is not acceptable. Your personal data will be processed by Lighthouse Platinum Wealth Management Limited and Lighthouse Advisory Services Limited, which are part of Lighthouse Group plc (the "Group"). This privacy notice is to let you know how companies within the Group will look after your personal data. This includes what you tell us about yourself, what we learn by having you as a short-term premium for customer, and the time they have insured choices you give us about what marketing information you want us to send you. This notice explains how we do this and tells you about your privacy rights and how the risk. 3.9 Please note law protects you. Data Protection law says that we can only use personal data if we have no obligation a proper reason to fund any premiumdo so. This includes sharing it outside Lighthouse Group plc. For example (and as described in more detail below) in different scenarios the following reasons may justify our processing of your data:  To fulfil a contract we have with you, taxes or fees  When it is our legal duty, or  When it is in our legitimate business or commercial interest (if applicable) on provided that our legitimate interest is not overridden by your behalf and we will have no responsibility for any loss rights), or  When you may suffer as a result of insurers cancelling the insurance or taking any prejudicial steps as a result of late paymentconsent to it.

Your Responsibilities. 3.1 You should carefully read 6.1. As far as reasonably possible, ensure a safe and understand suitable environment where DAIMA REMOVALS are supposed to render goods and services. 6.2. It is important to be meticulous in compiling your inventory list and service specifications, as all quotations are based on this information. 6.3. Be present at the information we have provided to you in loading and offloading addresses yourself. 6.4. Ensure adequate security for your goods at the Insurance Manual we have provided to youloading and offloading addresses. 6.5. If Ensure that correct items are wrapped, boxed or crated as quoted for (for example, only one TV box requested but you have not received or have misplaced this important document please ask for another one as it sets out your important obligations in relation to your insurance policies. 3.2 You must provide accurate, complete and timely information to usthree TV’s. You are responsible for all information you provide in any proposal, claim form or other material document. We are not responsible for checking the accuracy or completeness of any information you provide need to us or any insurer. We will not be responsible for any consequence resulting from a failure by you indicate which TV to disclose all material facts to an insurer (including, without limitation, the possibility of your insurance policies being rendered void or limitedbox). 3.3 6.6. Ensure that all quoted/ listed items are loaded and offloaded. You must advise inspect the truck before the final departure to ensure all items are offloaded ensure that it complies with the inventory list. 6.7. In the unlikely event, there are any missing items, the same must be reported to us immediately before departure, in the presence of the driver, and noted on the delivery and waybill documents. 6.8. Any broken seals, opened boxes, crates, etc. must be reported in the same manner as clause 6.7. 6.9. Owner packed boxes must be properly sealed and ready for loading before our truck’s arrival. 6.10. Owner packed boxes must be of good quality and condition failing which, we reserve the right (but have no obligation to do so) to repack any owner packed boxes of poor quality or condition at our sole discretion, during any stage of the move. You agree to pay all costs incurred for these services in full (subject to most of the recent price list). Any election by us not to do so shall not extend any liability to DAIMA REMOVALS. 6.11. All items must be packed, wrapped, crated and or disassembled in an appropriate manner. We reserve the right to repack, wrap or crate any items not packed in an appropriate manner by yourself at our sole discretion, during any stage of the move. You agree to pay all costs incurred for these services in full (subject to the most recent price list) Any election by us not to do so shall not extend any liability to DAIMA REMOVALS. 6.12. Notify and provide us with detailed information regarding any high- value items (antiques, artworks, etc.) that may have to be transported, packed or stored at least seven (7) days before the move, in writing on order for DAIMA REMOVALS to make applicable arrangements and adhere to the administrative obligations in terms of this agreement, failure to do so may delay the transportation of your items and limit any liability for possible damages. 6.13. Timeously supply necessary manuals/ instructions or specialised tools deemed necessary for the safe dismantling, handling, packing or moving of any change in your business that might affect your insurancesitems. 6.14. Properly preparing all appliances and equipment before it is transported. This may includeincludes, but not limited to, acquisitions, disposals, mergers, sale of principal assets, or material changes to business operationsemptying and defrosting fridges/ freezers and emptying all cupboards and drawers. 3.4 6.15. SECURING ALL YOUR VALUABLES such as wallets, cell phones, computer tablets, laptops, money, jewelry, handbags, firearms, etc. THESE ITEMS WILL NOT BE HANDLED BY US. 6.16. Ensure all remotes, house keys or any other means of access are arranged before loading and offloading. Also ensure the safekeeping of remotes, house keys or any other means of access. 6.17. All furniture, electronic, electrical and plumbing appliances must be disconnected and dismantled before our truck’s arrival. If you want this is not done, your transport may have to vary be rescheduled. 6.18. Provision of protective coverings for floors, doorframes or any insurance e.g. other part of your premises. Including, but not limited to, laminated floors, wooden doorframes, walls, etc. 6.19. To comply with all reasonable instructions issued by increasing the sum insured or adding other propertyDAIMA REMOVALS, you must provide us with details its employees, staff and agents which concern your use of the changes you require and services, any other information you need to disclose to insurers. Any adjustment to the premium will be advised to youapparatus utilised and/or related matters. 3.5 You must advise us (6.20. Not to commercially exploit or your insurers) in terms cause such commercial exploitation of the appropriate policy services in any manner whatsoever without DAIMA REMOVALS’s prior written consent, including without limitation, the provision of an event or circumstance that may give rise services to a claim or potential claim under your insurance policy(ies). If you do not inform us (or your insurers) of such a claim or potential claim you may prejudice your rights under your insurance contracts. You will be advised if you need to complete a claim form or produce documentation to support your claimthird parties. 3.6 After receiving your insurance documents from us, you must check them and advise us promptly of anything that does not meet your requirements. Any errors should be notified to us immediately. 3.7 You must pay the premium(s), any statutory charges, government levies, taxes, GST and fees when due as set out in our invoice(s), unless premium funding has been arranged. We will give full information about premium payment options when we provide quotations 3.8 If you do not pay the premium on time, we are required to advise the insurer. The insurer has the right to cancel the insurance and you will not be insured. The insurer may also charge a short-term premium for the time they have insured the risk. 3.9 Please note that we have no obligation to fund any premium, taxes or fees (if applicable) on your behalf and we will have no responsibility for any loss you may suffer as a result of insurers cancelling the insurance or taking any prejudicial steps as a result of late payment.

Your Responsibilities. 3.1 4.1 In respect of the services, we provide under this agreement, you are responsible as follows: (a) Your policy documents contain the terms and conditions of your insurance cover and impose obligations on you. You should carefully read and understand this information ensuring the information we have provided to insurance cover satisfies your needs and that you in the Insurance Manual we have provided to youunderstand your obligations. If you have not received or have misplaced this important document your policy document, please ask us for another one as it sets out your important obligations in relation to your insurance policiesone. 3.2 You (b) Before taking out an insurance policy and at the time of renewing any policy, you must provide us with accurate, complete complete, and timely information to us. You are responsible for information, including all information which may be material to an insurer's assessment of any risk for which you provide in have asked us to arrange insurance cover. This includes any proposal, claim form material or other material documentrelevant change of circumstance during the term of your policy and on renewal. We are not responsible for checking the accuracy or completeness of any information you provide to us or any insurer. We will not be responsible for any consequence resulting from a failure by you to disclose all material facts to an insurer (including, without limitation, the possibility of your insurance policies being rendered void or limited). 3.3 (c) You must advise us us, as soon as practicable, on becoming aware of any change in your business that might affect your insurances. This may include, but not limited to, acquisitions, disposals, mergers, sale of principal assets, or material changes to business operations. 3.4 If you want to vary any insurance e.g. by increasing the sum insured or adding other property, you must provide us with details of the changes you require and any other information you need to disclose to insurers. Any adjustment to the premium will be advised to you. 3.5 You must advise us (or your insurers) in terms of the appropriate policy of an event or circumstance that may give rise to you making a claim or potential claim under your insurance policy(ies)policy/policies. If you do not inform us (or your insurers) Failure to advise an insurer of such a claim an event or potential claim you may circumstance could prejudice your rights under your insurance contractspolicy. You If you fail to disclose or misrepresent any relevant information, this could invalidate your policy and mean that any claims under your policy may not be paid to you. We will be advised advise you if you need to complete a claim form or produce documentation to support your claim. 3.6 (d) After receiving your insurance documents from us, you must check them and advise us promptly of anything that does not meet your requirements. Any errors should be notified to us immediately. 3.7 (e) You must pay the premium(s), ) any statutory charges, government levies (including the EQC and Fire and Emergency levies), taxes, GST GST, and fees when due fees) as set out detailed in our invoice(s), unless premium funding has been arranged, in which case you will have a separate arrangement to pay with the premium funder. We will give full On request, we can provide you with information about premium payment options when we provide quotationsour quotation. 3.8 If (f) It is your obligation to ensure you do not pay the premium premiums and other relevant charges on time, we are required to advise the insurer. The Your insurer has the right to cancel the insurance your policy if premiums are not paid on time and you will not be insured. The insurer may also charge a short-term premium for the time they have insured the risk. You may be charged interest and/or fines and penalties for late payment of any government or statutory charges as previously referred to. 3.9 Please note (g) We will comply with our obligations under the Health and Safety at Work Act and expect you to assist us in doing so, ensuring, as reasonably practicable, that we the safety of our people is not put at risk when they may visit. (h) We have no obligation to fund any premium, taxes taxes, or fees (if applicable) on your behalf and we will have no responsibility for any loss you may suffer as a result of insurers cancelling the insurance your policy or taking any prejudicial steps action as a result of late payment. Please contact us immediately if you are unable to make any premium payment. (i) We hold file material and correspondence regarding the services provided to you for at least 7 years, after which we may destroy your file without notice. It may be possible that you need to make a claim against a policy after this period. You remain responsible for your paperwork and correspondence and should keep your policy documents in a safe place.

Your Responsibilities. 3.1 You should carefully read and understand the information we have provided to you in the Insurance Manual we have provided to you. If you have not received or have misplaced this important document please ask for another one as it sets out your important obligations in relation to your insurance policies. 3.2 You must provide accurate, complete and timely information to us. You are responsible for all information you provide in any proposal, claim form or other material document. We are not responsible for checking the accuracy or completeness of any information you provide to us or any insurer. We will not be responsible for any consequence resulting from a failure by you to disclose all material facts to an insurer (including, without limitation, the possibility of your insurance policies being rendered void or limited). 3.3 You must advise us of any change in your business that might affect your insurances. This may include, but not limited to, acquisitions, disposals, mergers, sale of principal assets, or material changes to business operations. 3.4 3.2 If you want to vary any insurance e.g. by increasing the sum insured or adding other property, you must provide us with details of the changes you require and any other information you need to disclose to insurers. Any adjustment to the premium will be advised to you. 3.5 3.3 You must advise us (or your insurers) in terms of the appropriate policy of an event or circumstance that may give rise to a claim or potential claim under your insurance policy(ies). If you do not inform us (or your insurers) of such a claim or potential claim you may prejudice your rights under your insurance contracts. You will be advised if you need to complete a claim form or produce documentation to support your claim. 3.6 3.4 After receiving your insurance documents from us, you must check them and advise us promptly of anything that does not meet your requirements. Any errors should be notified to us immediately. 3.7 3.5 You must pay the premium(s), any statutory charges, government levies, taxes, GST and fees when due as set out in our invoice(s), unless premium funding has been arranged. We will give full information about premium payment options when we provide quotations. 3.8 3.6 If you do not pay the premium on time, we are required to advise the insurer. The insurer has the right to cancel the insurance and you will not be insured. The insurer may also charge a short-term premium for the time they have insured the risk. 3.9 3.7 Please note that we have no obligation to fund any premium, taxes or fees (if applicable) on your behalf and we will have no responsibility for any loss you may suffer as a result of insurers cancelling the insurance or taking any prejudicial steps as a result of late payment.

Your Responsibilities. 3.1 You have a general “duty of disclosure”. You are responsible on an ongoing basis for providing us with all material facts relating to the insurance contracts we arrange on your behalf. Material facts are those that would influence an insurer when they were deciding whether to accept the risk, and the terms and conditions that would apply. Failure to provide full and accurate information may mean that your cover is reduced, cancelled or if the non-disclosure is fraudulent, the insurer may be able to avoid (cancel) the contract from the beginning. If you are in any doubt as to what facts are considered to be material, you should disclose them to us. 3.2 You should carefully read and understand all the information we have provided to you in the Insurance Manual we have provided to you. If you have not received or have misplaced this important document please ask for another one as it sets out your important obligations in relation to your insurance policiesat various times. 3.2 3.3 You must provide accurate, complete and timely information to us. You are responsible for all information you provide in any proposal, claim form or other material document. We are not responsible for checking the accuracy or completeness of any information you provide to us or any insurer. We will not be responsible for any consequence resulting from a failure by you to disclose all material facts to an insurer (including, without limitation, the possibility of your insurance policies being rendered void or limited). 3.3 You must advise us of any change in your business that might affect your insurances. This may include, but not limited to, acquisitions, disposals, mergers, sale of principal assets, or material changes to business operations. 3.4 If you want to vary any insurance e.g. by increasing the sum insured or adding other property, you must provide us with details of the changes you require and any other information you need to disclose to insurers. Any adjustment to the premium will be advised to you. 3.5 You must advise us (or your insurers) in terms of the appropriate policy of an event or circumstance that may give rise to a claim or potential claim under your insurance policy(ies). If you do not inform us (or your insurers) of such a claim or potential claim you may prejudice your rights under your insurance contracts. You will be advised if you need to complete a claim form or produce documentation to support your claim. 3.6 After receiving your insurance documents from us, you must check them and advise us promptly of anything that does not meet your requirements. Any errors should be notified to us immediately. 3.7 You must pay the premium(s), any statutory charges, government levies, taxes, GST and fees when due as set out in our invoice(s), unless premium funding has been arranged. We will give full information about premium payment options when we provide quotations 3.8 If you do not pay the premium on time, we are required to advise the insurer. The insurer has the right to cancel the insurance and you will not be insured. The insurer may also charge a short-term premium for the time they have insured the risk. 3.9 Please note that we have no obligation to fund any premium, taxes or fees (if applicable) on your behalf and we will have no responsibility for any loss you may suffer as a result of insurers cancelling canceling the insurance or taking any prejudicial steps as a result of late payment.

Your Responsibilities. 3.1 4.1 In respect of the services we provide under this agreement, you are responsible as follows: (a) Your policy documents contain the terms and conditions of your insurance cover and impose obligations on you. You should carefully read and understand this information ensuring the information we have provided to insurance cover satisfies your needs and that you in the Insurance Manual we have provided to youunderstand your obligations. If you have not received or have misplaced this important document your policy document, please ask us for another one as it sets out your important obligations in relation to your insurance policiesone. 3.2 You (b) Before taking out an insurance policy and at the time of renewing any policy, you must provide us with accurate, complete and timely information to us. You are responsible for , including all information which may be material to an insurer's assessment of any risk for which you provide in have asked us to arrange insurance cover. This includes any proposal, claim form material or other material document. relevant change of circumstance during the term of your policy and on renewal We are not responsible for checking the accuracy or completeness of any information you provide to us or any insurer. We will not be responsible for any consequence resulting from a failure by you to disclose all material facts to an insurer (including, without limitation, the possibility of your insurance policies being rendered void or limited). 3.3 (c) You must advise us of any change in your business that might affect your insurances. This may include, but not limited to, acquisitions, disposals, mergers, sale of principal assets, or material changes to business operations. 3.4 If you want to vary any insurance e.g. by increasing the sum insured or adding other property, you must provide us with details of the changes you require and any other information you need to disclose to insurers. Any adjustment to the premium will be advised to you. 3.5 You must advise us (or your insurers) in terms of the appropriate policy of an event or circumstance that may give rise to you making a claim or potential claim under your insurance policy(ies), within the required timeframe. If you do not inform us (or your insurers) Failure to advise an insurer of such a claim an event or potential claim you may circumstance could prejudice your rights under your insurance contractspolicy. If you fail to disclose or misrepresent any relevant information, this could invalidate your policy and mean that any claims under your policy may not be paid to you. You will be advised if you need to complete a claim form or produce documentation to support your claim. 3.6 (d) After receiving your insurance documents from us, you must check them and advise us promptly of anything that does not meet your requirements. Any errors should be notified to us immediately. 3.7 (e) You must pay the premium(s), ) any statutory charges, government levies (including the EQC and Fire and Emergency levies), taxes, GST and fees when due fees) as set out detailed in our invoice(s), unless premium funding has been arranged, in which case you will have a separate arrangement to pay with the premium funder. We will give full provide you with information about premium payment options when we provide quotationsour quotation. 3.8 If (f) It is your obligation to ensure you do not pay the premium premiums and other relevant charges on time, we are required to advise the insurer. The Your insurer has the right to cancel the insurance your policy if premiums are not paid on time and you will not be insured. The insurer may also charge a short-term premium for the time they have insured the risk. You may be charged interest and/or fines and penalties for late payment of any government or statutory charges as previously referred to. 3.9 Please note (g) We will comply with our obligations under the Health and Safety at Work Act and expect you to assist us in doing so, ensuring, as reasonably practicable, that we the safety of our people is not put at risk when they may visit . (h) We have no obligation to fund any premium, taxes or fees (if applicable) on your behalf and we will have no responsibility for any loss you may suffer as a result of insurers cancelling the insurance your policy or taking any prejudicial steps action as a result of late payment. Please contact us immediately if you are unable to make any premium payment. (i) We hold file material and correspondence regarding the services provided to you for at least 7 years, after which we may destroy your file without notice. It may be possible that you need to make a claim against a policy after this period. You remain responsible for your paperwork and correspondence and should keep your policy documents in a safe place.

Your Responsibilities. 3.1 4.1 In respect of the services we provide under this agreement, you are responsible as follows: (a) Your policy documents contain the terms and conditions of your insurance cover and impose obligations on you. You should carefully read and understand this information ensuring the information we have provided to insurance cover satisfies your needs and that you in the Insurance Manual we have provided to youunderstand your obligations. If you have not received or have misplaced this important your policy document please ask us for another one as it sets out your important obligations in relation to your insurance policiesone. 3.2 You (b) Before taking out an insurance policy and at the time of renewing any policy, you must provide us with accurate, complete and timely information to us. You are responsible for information, including all information which may be material to an insurer's assessment of any risk for which you provide in have asked us to arrange insurance cover. This includes any proposal, claim form material or other material documentrelevant change of circumstance during the term of your policy and on renewal. We are not responsible for checking the accuracy or completeness of any information you provide to us or any insurer. We will not be responsible for any consequence resulting from a failure by you to disclose all material facts to an insurer (including, without limitation, the possibility of your insurance policies being rendered void or limited). 3.3 (c) You must advise us us, as soon as practicable, on becoming aware of any change in your business that might affect your insurances. This may include, but not limited to, acquisitions, disposals, mergers, sale of principal assets, or material changes to business operations. 3.4 If you want to vary any insurance e.g. by increasing the sum insured or adding other property, you must provide us with details of the changes you require and any other information you need to disclose to insurers. Any adjustment to the premium will be advised to you. 3.5 You must advise us (or your insurers) in terms of the appropriate policy of an event or circumstance that may give rise to you making a claim or potential claim under your insurance policy(ies)policy/policies. If you do not inform us (or your insurers) Failure to advise an insurer of such a claim an event or potential claim you may circumstance could prejudice your rights under your insurance contractspolicy. You If you fail to disclose or misrepresent any relevant information, this could invalidate your policy and mean that any claims under your policy may not be paid to you. We will be advised advise you if you need to complete a claim form or produce documentation to support your claim. 3.6 (d) After receiving your insurance documents from us, you must check them and advise us promptly of anything that does not meet your requirements. Any errors should be notified to us immediately. 3.7 (e) You must pay the premium(s), ) any statutory charges, government levies (including the EQC and Fire and Emergency levies), taxes, GST and fees when due fees) as set out detailed in our invoice(s), unless premium funding has been arranged, in which case you will have a separate arrangement to pay with the premium funder. We will give full On request, we can provide you with information about premium payment options when we provide quotationsour quotation. 3.8 If (f) It is your obligation to ensure you do not pay the premium premiums and other relevant charges on time, we are required to advise the insurer. The Your insurer has the right to cancel the insurance your policy if premiums are not paid on time and you will not be insured. The insurer may also charge a short-term premium for the time they have insured the risk. You may be charged interest and/or fines and penalties for late payment of any government or statutory charges as previously referred to. 3.9 Please note (g) We will comply with our obligations under the Health and Safety at Work Act and expect you to assist us in doing so, ensuring, as reasonably practicable, that we the safety of our people is not put at risk when they may visit. (h) We have no obligation to fund any premium, taxes or fees (if applicable) on your behalf and we will have no responsibility for any loss you may suffer as a result of insurers cancelling the insurance your policy or taking any prejudicial steps action as a result of late payment. Please contact us immediately if you are unable to make any premium payment. (i) We hold file material and correspondence regarding the services provided to you for at least 7 years, after which we may destroy your file without notice. It may be possible that you need to make a claim against a policy after this period. You remain responsible for your paperwork and correspondence and should keep your policy documents in a safe place.

Your Responsibilities. 3.1 You should carefully read and understand the information we have provided to you in the Insurance Manual we have provided to you. If you have not received or have misplaced this important document please ask for another one as it sets out your important obligations in relation to your insurance policies. 3.2 You must provide accurate, complete and timely information to us. You are responsible for all information you provide in any proposal, claim form or other material document. We are not responsible for checking the accuracy or completeness of any information you provide to us or any insurer. We will not be responsible for any consequence resulting from a failure by you to disclose all material facts to an insurer (including, without limitation, the possibility of your insurance policies being rendered void or limited). 3.3 You must advise us of any change in your business that might affect your insurances. This may include, but not limited to, acquisitions, disposals, mergers, sale of principal assets, or material changes to business operations. 3.4 3.2 If you want to vary any insurance e.g. by increasing the sum insured or adding other property, you must provide us with details of the changes you require and any other information you need to disclose to insurers. Any adjustment to the premium will be advised to you. 3.5 3.3 You must advise us (or your insurers) in terms of the appropriate policy of an event or circumstance that may give rise to a claim or potential claim under your insurance policy(ies). If you do not inform us (or your insurers) of such a claim or potential claim you may prejudice your rights under your insurance contracts. You will be advised if you need to complete a claim form or produce documentation to support your claim. 3.6 3.4 After receiving your insurance documents from us, you must check them and advise us promptly of anything that does not meet your requirements. Any errors should be notified to us immediately. 3.7 3.5 You must pay the premium(s), any statutory charges, government levies, taxes, GST and fees when due as set out in our invoice(s), unless premium funding has been arranged. We will give full information about premium payment options when we provide quotations. 3.8 3.6 If you do not pay the premium on time, we are required to advise the insurer. The insurer has the right to cancel the insurance insura nce and you will not be insured. The insurer may also charge a short-term premium for the time they have insured the risk. 3.9 3.7 Please note that we have no obligation to fund any premium, taxes or fees (if applicable) on your behalf and we will have no responsibility for any loss you may suffer as a result of insurers cancelling canceling the insurance or taking any prejudicial steps as a result of late payment.

Your Responsibilities. 3.1 4.1 In respect of the services we provide under this agreement, you are responsible as follows: (a) Your policy documents contain the terms and conditions of your insurance cover and impose obligations on you. You should carefully read and understand this information ensuring the information we have provided to insurance cover satisfies your needs and that you in the Insurance Manual we have provided to youunderstand your obligations. If you have not received or have misplaced this important document your policy document, please ask us for another one as it sets out your important obligations in relation to your insurance policiesone. 3.2 You (b) Before taking out an insurance policy and at the time of renewing any policy, you must provide us with accurate, complete and timely information to us. You are responsible for information, including all information which may be material to an insurer's assessment of any risk for which you provide in have asked us to arrange insurance cover. This includes any proposal, claim form material or other material documentrelevant change of circumstance during the term of your policy and on renewal. We are not responsible for checking the accuracy or completeness of any information you provide to us or any insurer. We will not be responsible for any consequence resulting from a failure by you to disclose all material facts to an insurer (including, without limitation, the possibility of your insurance policies being rendered void or limited). 3.3 (c) You must advise us us, as soon as practicable, on becoming aware of any change in your business that might affect your insurances. This may include, but not limited to, acquisitions, disposals, mergers, sale of principal assets, or material changes to business operations. 3.4 If you want to vary any insurance e.g. by increasing the sum insured or adding other property, you must provide us with details of the changes you require and any other information you need to disclose to insurers. Any adjustment to the premium will be advised to you. 3.5 You must advise us (or your insurers) in terms of the appropriate policy of an event or circumstance that may give rise to you making a claim or potential claim under your insurance policy(ies). If you do not inform us (or your insurers) Failure to advise an insurer of such a claim an event or potential claim you may circumstance could prejudice your rights under your insurance contractspolicy. You If you fail to disclose or misrepresent any relevant information, this could invalidate your policy and mean that any claims under your policy may not be paid to you. We will be advised advise you if you need to complete a claim form or produce documentation to support your claim. 3.6 (d) After receiving your insurance documents from us, you must check them and advise us promptly of anything that does not meet your requirements. Any errors should be notified to us immediately. 3.7 (e) You must pay the premium(s), ) any statutory charges, government levies (including the EQC and Fire and Emergency levies), taxes, GST and fees when due fees) as set out detailed in our invoice(s), unless premium funding has been arranged, in which case you will have a separate arrangement to pay with the premium funder. We will give full On request, we can provide you with information about premium payment options when we provide quotationsour quotation. 3.8 If (f) It is your obligation to ensure you do not pay the premium premiums and other relevant charges on time, we are required to advise the insurer. The Your insurer has the right to cancel the insurance your policy if premiums are not paid on time and you will not be insured. The insurer may also charge a short-term premium for the time they have insured the risk. You may be charged interest and/or fines and penalties for late payment of any government or statutory charges as previously referred to. 3.9 Please note (g) We will comply with our obligations under the Health and Safety at Work Act and expect you to assist us in doing so, ensuring, as reasonably practicable, that we the safety of our people is not put at risk when they may visit. (h) We have no obligation to fund any premium, taxes or fees (if applicable) on your behalf and we will have no responsibility for any loss you may suffer as a result of insurers cancelling the insurance your policy or taking any prejudicial steps action as a result of late payment. Please contact us immediately if you are unable to make any premium payment. (i) We hold file material and correspondence regarding the services provided to you for at least 7 years, after which we may destroy your file without notice. It may be possible that you need to make a claim against a policy after this period. You remain responsible for your paperwork and correspondence and should keep your policy documents in a safe place.

Your Responsibilities. 3.1 4.1 In respect of the services we provide under this agreement, you are responsible as follows: (a) Your policy documents contain the terms and conditions of your insurance cover and impose obligations on you. You should carefully read and understand this information ensuring the information we have provided to insurance cover satisfies your needs and that you in the Insurance Manual we have provided to youunderstand your obligations. If you have not received or have misplaced this important your policy document please ask us for another one as it sets out your important obligations in relation to your insurance policiesone. 3.2 You (b) Before taking out an insurance policy and at the time of renewing any policy, you must provide us with accurate, complete and timely information to us. You are responsible for information, including all information which may be material to an insurer's assessment of any risk for which you provide in have asked us to arrange insurance cover. This includes any proposal, claim form material or other material documentrelevant change of circumstance during the term of your policy and on renewal. We are not responsible for checking the accuracy or completeness of any information you provide to us or any insurer. We will not be responsible for any consequence resulting from a failure by you to disclose all material facts to an insurer (including, without limitation, the possibility of your insurance policies being rendered void or limited). 3.3 (c) You must advise us us, as soon as practicable, on becoming aware of any change in your business that might affect your insurances. This may include, but not limited to, acquisitions, disposals, mergers, sale of principal assets, or material changes to business operations. 3.4 If you want to vary any insurance e.g. by increasing the sum insured or adding other property, you must provide us with details of the changes you require and any other information you need to disclose to insurers. Any adjustment to the premium will be advised to you. 3.5 You must advise us (or your insurers) in terms of the appropriate policy of an event or circumstance that may give rise to you making a claim or potential claim under your insurance policy(ies). If you do not inform us (or your insurers) Failure to advise an insurer of such a claim an event or potential claim you may circumstance could prejudice your rights under your insurance contractspolicy. You If you fail to disclose or misrepresent any relevant information, this could invalidate your policy and mean that any claims under your policy may not be paid to you. We will be advised advise you if you need to complete a claim form or produce documentation to support your claim. 3.6 (d) After receiving your insurance documents from us, you must check them and advise us promptly of anything that does not meet your requirements. Any errors should be notified to us immediately. 3.7 (e) You must pay the premium(s), ) any statutory charges, government levies (including the EQC and Fire and Emergency levies), taxes, GST and fees when due fees) as set out detailed in our invoice(s), unless premium funding has been arranged, in which case you will have a separate arrangement to pay with the premium funder. We will give full On request, we can provide you with information about premium payment options when we provide quotationsour quotation. 3.8 If (f) It is your obligation to ensure you do not pay the premium premiums and other relevant charges on time, we are required to advise the insurer. The Your insurer has the right to cancel the insurance your policy if premiums are not paid on time and you will not be insured. The insurer may also charge a short-term premium for the time they have insured the risk. You may be charged interest and/or fines and penalties for late payment of any government or statutory charges as previously referred to. 3.9 Please note (g) We will comply with our obligations under the Health and Safety at Work Act and expect you to assist us in doing so, ensuring, as reasonably practicable, that we the safety of our people is not put at risk when they may visit. (h) We have no obligation to fund any premium, taxes or fees (if applicable) on your behalf and we will have no responsibility for any loss you may suffer as a result of insurers cancelling the insurance your policy or taking any prejudicial steps action as a result of late payment. (i) We hold file material and correspondence regarding the services provided to you for at least 7 years, after which we may destroy your file without notice. It may be possible that you need to make a claim against a policy after this period. You remain responsible for your paperwork and correspondence and should keep your policy documents in a safe place.

Your Responsibilities. 3.1 You should carefully read It will be your responsibility: To pay our fees, disbursements, and understand the information we have provided any other sums due to you us in the Insurance Manual we have provided to you. If you have not received or have misplaced accordance with this important document please ask for another one as it sets out your important obligations in relation to your insurance policies. 3.2 You must contract; To provide accurate, complete prompt and timely information to us. You are responsible for all information you provide in any proposal, claim form or other material document. We are not responsible for checking the accuracy or completeness accurate instructions and advise immediately of any changes in those instructions. To provide such materials and information as we may require from time to time in order to perform the Services and to satisfy any statutory obligations; To co-operate with us reasonably; To make certain that the Property and its fixtures, fittings and contents, are at all times properly and adequately insured whether the Property is occupied or not; To obtain all necessary consents that you may need from your mortgagee and/or your superior landlord and/or your insurers to enter into the Tenancy Agreement; To provide to us details of any obligations or restrictive covenants under any insurerleases or contracts relating to the Property which the Tenant will be duty bound to observe. We will not be responsible ask you for such details separately but we do include an appropriate provision to comply with such provisions in our standard Tenancy Agreements and we will forward any consequence resulting from a failure by details that you provide to disclose the Tenant; and To comply with the following regulations or any re-enactment of the same:- The Furniture and Furnishings (Fire) (Safety) Regulations 1988 and the Furniture and Furnishings (Fire) (Safety) (Amendment) Regulations 1993 which require all material facts upholstered furniture, soft furnishings, beds, mattresses, pillows and cushions in the Property to an insurer comply with certain safety standards; The Gas Safety (including, without limitation, Installation and Use) Regulations 1998 as amended; The Electrical Equipment (Safety) Regulations 1994 and IEE Wiring Regulations (BS7671); The various Houses in Multiple Occupation Regulations implementing the possibility terms of your insurance policies being rendered void or limited). 3.3 You must advise us the Housing Act 2004; and The Energy Performance of any change in your business that might affect your insurancesBuildings (Certificates and Inspections) (England and Wales) Regulations 2007. This may include, but not limited to, acquisitions, disposals, mergers, sale of principal assets, or material changes to business operations. 3.4 If you want to vary any insurance e.g. by increasing the sum insured or adding other property, you must provide us with Full details of the changes you require and any other information you need requirements under these Regulations are available on request. We shall be entitled to disclose to insurers. Any adjustment to the premium will be advised to you. 3.5 You must advise us (or your insurers) in terms of the appropriate policy of an event or circumstance that may give rise to a claim or potential claim under your insurance policy(ies). If terminate this contract if you do not inform us (or your insurers) of such a claim or potential claim you may prejudice your rights under your insurance contracts. You will be advised if you need to complete a claim form or produce documentation to support your claimcomply with these responsibilities. 3.6 After receiving your insurance documents from us, you must check them and advise us promptly of anything that does not meet your requirements. Any errors should be notified to us immediately. 3.7 You must pay the premium(s), any statutory charges, government levies, taxes, GST and fees when due as set out in our invoice(s), unless premium funding has been arranged. We will give full information about premium payment options when we provide quotations 3.8 If you do not pay the premium on time, we are required to advise the insurer. The insurer has the right to cancel the insurance and you will not be insured. The insurer may also charge a short-term premium for the time they have insured the risk. 3.9 Please note that we have no obligation to fund any premium, taxes or fees (if applicable) on your behalf and we will have no responsibility for any loss you may suffer as a result of insurers cancelling the insurance or taking any prejudicial steps as a result of late payment.

Your Responsibilities. 3.1 You should carefully read will pay the price for the services in accordance with the relevant services description. You will provide me with such information and understand assistance (and ensure that any information is complete and accurate) as I reasonably need to provide the information we have provided services. You and I shall agree on a method of communicating with each other between sessions and adhere to you that method. The conduct of the Student shall be conducive to learning. The price for the services is set out in the Insurance Manual we relevant services description. Usually, I require full payment in advance in order to provide the services. In certain circumstances I may agree to payment by instalments, in which case a supplementary fee will be chargeable. The relevant services description will state if I have provided agreed to youaccept payment by instalments. If I agree to accept payment by instalments and you fail to make any of the instalment payments on the due date then I shall invoice you immediately for the whole of the outstanding balance and payment for that invoice will be due by return. My refund policy is as follows: The fees are non-refundable except for where I cancel a program you are entitled to a partial refund for sessions which you have paid for in advance and which you have not received or have misplaced this important document please ask for another one as it sets out your important obligations in relation received. In all other circumstances I am not able to your insurance policies. 3.2 You must provide accurate, complete and timely information refund to us. You are responsible for all information you provide in any proposal, claim form or other material document. We are not responsible for checking the accuracy or completeness of any information you provide to us or any insurer. We will not be responsible for any consequence resulting from a failure by you to disclose all material facts to an insurer (including, without limitation, the possibility of your insurance policies being rendered void or limited). 3.3 You must advise us of any change in your business that might affect your insurances. This may include, but not limited to, acquisitions, disposals, mergers, sale of principal assets, or material changes to business operations. 3.4 If you want to vary any insurance e.g. by increasing the sum insured or adding other property, you must provide us with details of the changes payments you require and any other information you need to disclose to insurers. Any adjustment to the premium will be advised to you. 3.5 You must advise us (or your insurers) in terms of the appropriate policy of an event or circumstance that may give rise to a claim or potential claim under your insurance policy(ies). If have made, even where you do not inform us (complete your sessions with me, as payment is for the program as a whole, not individual sessions. This is a reflection of the amount of preparation I need to put into the program to make it most effective for your child and the amount of time I shall dedicate and set aside for preparing for and attending our sessions together. This policy also helps you with your own accountability and commitment to improving your life through my coaching program. Payment is via direct transfer to my bank account. If I provide you with any materials, whether digital or printed, any intellectual property in those materials belongs to me and unless I agree otherwise you can only use those materials for your insurers) of such a claim or potential claim own personal use and you may prejudice not share them with third parties. I shall use the personal information you give to me to: provide the services; process your rights under your insurance contracts. You will be advised if you need to complete a claim form or produce documentation to support your claim. 3.6 After receiving your insurance documents from us, you must check them and advise us promptly of anything that does not meet your requirements. Any errors should be notified to us immediately. 3.7 You must pay the premium(s), any statutory charges, government levies, taxes, GST and fees when due as set out in our invoice(s), unless premium funding has been arranged. We will give full information about premium payment options when we provide quotations 3.8 If you do not pay the premium on time, we are required to advise the insurer. The insurer has the right to cancel the insurance and you will not be insured. The insurer may also charge a short-term premium for the time they have insured the risk. 3.9 Please note services; and inform you about any similar products and services that we have no obligation to fund any premium, taxes or fees I provide (if applicable) on your behalf and we will have no responsibility for any loss though you may suffer as a result of insurers cancelling the insurance or taking stop receiving this information at any prejudicial steps as a result of late paymenttime by contacting me). I shall not give your personal information to any third party unless you agree to it.

Your Responsibilities. 3.1 In respect of the services we provide under this agreement, you are responsible as follows: (a) Your policy documents contain the terms and conditions of your insurance cover and impose obligations on you. You should carefully read and understand this information ensuring the information we have provided to insurance cover satisfies your needs and that you in the Insurance Manual we have provided to youunderstand your obligations. If you have not received or have misplaced this important your policy document please ask us for another one as it sets out your important obligations in relation to your insurance policiesone. 3.2 You (b) Before taking out an insurance policy and at the time of renewing any policy, you must provide us with accurate, complete and timely information to us. You are responsible for information, including all information which may be material to an insurer's assessment of any risk for which you provide in have asked us to arrange insurance cover. This includes any proposal, claim form material or other material documentrelevant change of circumstance during the term of your policy and on renewal. We are not responsible for checking the accuracy or completeness of any information you provide to us or any insurer. We will not be responsible for any consequence resulting from a failure by you to disclose all material facts to an insurer (including, without limitation, the possibility of your insurance policies being rendered void or limited). 3.3 (c) You must advise us us, as soon as practicable, on becoming aware of any change in your business that might affect your insurances. This may include, but not limited to, acquisitions, disposals, mergers, sale of principal assets, or material changes to business operations. 3.4 If you want to vary any insurance e.g. by increasing the sum insured or adding other property, you must provide us with details of the changes you require and any other information you need to disclose to insurers. Any adjustment to the premium will be advised to you. 3.5 You must advise us (or your insurers) in terms of the appropriate policy of an event or circumstance that may give rise to you making a claim or potential claim under your insurance policy(ies). If you do not inform us (or your insurers) Failure to advise an insurer of such a claim an event or potential claim you may circumstance could prejudice your rights under your insurance contractspolicy. You If you fail to disclose or misrepresent any relevant information, this could invalidate your policy and mean that any claims under your policy may not be paid to you. We will be advised advise you if you need to complete a claim form or produce documentation to support your claim. 3.6 (d) After receiving your insurance documents from us, you must check them and advise us promptly of anything that does not meet your requirements. Any errors should be notified to us immediately. 3.7 (e) You must pay the premium(s), any statutory charges, government levies (including the EQC and Fire and Emergency levies), taxes, GST and fees when due fees) as set out detailed in our invoice(s), unless premium funding has been arranged, in which case you will have a separate arrangement to pay with the premium funder. We will give full On request, we can provide you with information about premium payment options when we provide quotationsour quotation. 3.8 If (f) It is your obligation to ensure you do not pay the premium premiums and other relevant charges on time, we are required to advise the insurer. The Your insurer has the right to cancel the insurance your policy if premiums are not paid on time and you will not be insured. The insurer may also charge a short-term premium for the time they have insured the risk. You may be charged interest and/or fines and penalties for late payment of any government or statutory charges as previously referred to. 3.9 Please note (g) We will comply with our obligations under the Health and Safety at Work Act and expect you to assist us in doing so, ensuring, as reasonably practicable, that we the safety of our people is not put at risk when they may visit. (h) We have no obligation to fund any premium, taxes or fees (if applicable) on your behalf and we will have no responsibility for any loss you may suffer as a result of insurers cancelling the insurance your policy or taking any prejudicial steps action as a result of late payment. Please contact us immediately if you are unable to make any premium payment. (i) We hold file material and correspondence regarding the services provided to you for at least 7 years, after which we may destroy your file without notice. It may be possible that you need to make a claim against a policy after this period. You remain responsible for your paperwork and correspondence and should keep your policy documents in a safe place.

Your Responsibilities. 3.1 You should carefully read and understand 4.1 In respect of the information we have provided to you in the Insurance Manual we have provided to you. If you have not received or have misplaced this important document please ask for another one Risk Services, your responsibilities are as it sets out your important obligations in relation to your insurance policies.follows: 3.2 You must provide accurate, complete and timely information to us. 4.1.1 You are responsible for supplying us with all relevant information on a timely basis both before taking out an insurance policy and at the time of renewing a policy. You must also provide all relevant information in respect of any material or relevant change of circumstance or when additional material information comes to light, throughout the period of the policy. 4.1.2 Relevant information includes all information you provide in any proposal, claim form or other and facts which may be material document. We are not responsible for checking the accuracy or completeness of any information you provide to us or any insurer. We will not be responsible for any consequence resulting from a failure by you to disclose all material facts to an insurer (includinginsurer’s assessment of a risk for which you have asked us to arrange insurance cover. If you are unsure about any matter, without limitationor what may constitute relevant information, the possibility of your insurance policies being rendered void or limited)please contact us for guidance. 3.3 You must 4.1.3 Should a circumstance, event or loss occur which could result in you making a claim, you should advise us of any change in the details as soon as possible and within the time required under your business that might affect insurance policy. Failure to advise an insurer of such a circumstance, event or loss could prejudice your insurancesrights under an insurance policy. This may include, but not limited to, acquisitions, disposals, mergers, sale of principal assets, or material changes to business operations. 3.4 If you want to vary any insurance e.g. by increasing the sum insured or adding other property, you must provide us with details of the changes you require and any other information you need fail to disclose to insurers. Any adjustment to or misrepresent any relevant information, this could invalidate your policy and mean that any claims under the premium will policy may not be advised paid to you. 3.5 4.1.4 Your policy documents contain the terms of your cover (including values, sums insured, endorsements, schedules, applicable policy limits, sub-limits and deductibles) and impose various obligations on you. You must read these documents and other business output carefully to ensure that the cover suits your needs and so you understand and comply with your obligations under your policy(s). Failure to do this may result in uninsured losses. Please advise us (immediately if you notice any mistakes of fact or believe the contents do not address your insurers) in terms needs. 4.2 In respect of the appropriate policy of an event or circumstance that may give rise AGRC Services, your responsibilities are as follows: 4.2.1 You shall promptly provide us with all reasonable and necessary assistance, including access to a claim or potential claim under your insurance policy(ies). If you do not inform all information, which we consider to be relevant to enable us (or your insurers) of such a claim or potential claim you may prejudice your rights under your insurance contracts. You will be advised if you need to complete a claim form or produce documentation to support your claimperform the AGRC Services. 3.6 After receiving your insurance documents from us4.2.2 In doing so, you must check them and advise us promptly of anything that does not meet your requirements. Any errors should be notified shall update information previously provided to us immediately. 3.7 You must pay the premium(s), any statutory charges, government levies, taxes, GST and fees when due as set out in our invoice(s), unless premium funding where there has been arrangeda material change to that information which affects the scope or performance of the AGRC Services by us. We will give full information about premium payment options when we provide quotations 3.8 If you do not pay the premium on time, we are required to advise the insurer. The insurer has the right to cancel the insurance and you will shall not be insured. The insurer may also charge a short-term premium for the time they have insured the risk. 3.9 Please note that we have no obligation to fund any premium, taxes or fees (if applicable) on your behalf and we will have no responsibility liable for any loss you may suffer as a result losses, damages, costs or expenses arising out of insurers cancelling errors due to the insurance provision to us of false, misleading or taking incomplete information or documentation or due to any prejudicial steps as a result acts or omissions of late paymentany other person.

Your Responsibilities. 3.1 You should carefully read and understand the information we have provided to you in the Insurance Manual we have provided to youAll answers on proposal forms or any other document or statement made are your responsibility. If you have not received or have misplaced this important document please ask for another one as it sets out your important obligations in relation to your insurance policies. 3.2 You must provide accurate, complete and timely information to us. • You are responsible for providing complete and accurate information which insurers require in connection with any proposal for insurance cover. This is particularly important before taking out a policy or at renewal but it also applies throughout the life of the policy. • If you fail to disclose any material information, to the insurance company this could invalidate the policy and mean that claims may not be paid. • You should check all information you provide in details on any proposal, claim proposal form or Statement of Facts and pay particular attention to any declaration you may be asked to sign. • You should read all insurance documents issued to you and ensure that you are aware of the cover, limits and other material documentterms that apply. • You should pay particular attention to any warranties and conditions as failure to comply with them could invalidate your policy. • You should inform us immediately of any changes in circumstances that may affect the services provided by us or the cover provided by your policy. We strongly advise you to retain copies of all correspondence that you send us, for your own protection. Where we are required to verify your identity in accordance with the FCA rules, no investment will be made until such verification has been obtained. If the required verification is not responsible forthcoming within a reasonable period, we will be unable to arrange any investments for checking you. We may use and search the accuracy records of credit reference or completeness fraud prevention agencies to check your identity to satisfy the requirements of any the UK Money Laundering Regulation 2007, Proceeds of Crime Xxx 0000 (as amended), the Terrorism Xxx 0000, the Anti-terrorism, Crime and Security Xxx 0000 and FCA rules. Such searches will not affect your credit rating, although they can be seen by anyone reviewing your credit report in the future. By signing this agreement, you are consenting to Lighthouse Advisory Services Limited validating your personal identification and address via these means. Please inform us if this is not acceptable. Your information will be held by The Firm and Lighthouse Advisory Services Limited, which are part of Lighthouse Group Plc. This privacy notice is to let you know how companies within the Group promise to look after your personal information. This includes what you tell us about yourself, what we learn by having you as a customer, and the choices you give us about what marketing you want us to send you. This notice explains how we do this and tells you about your privacy rights and how the law protects you. Data Protection law says that we are allowed to use personal information only if we have a proper reason to do so. This includes sharing it outside Lighthouse Group Plc. The law says we must have one or more of these reasons: • To fulfil a contract we have with you, or • When it is our legal duty, or • When it is in our legitimate interest, or • When you consent to it. A legitimate interest is when we have a business or commercial reason to use your information. Even then, it must not unfairly go against what is right and best for you. If we rely on our legitimate interest, we will tell you what that is. Primarily, we use your data and data about you and your family to provide financial advice to you and complete transactions on your behalf. We analyse and assess your data to maintain and develop our relationship with you. We may use your data to make checks with credit rating agencies to authenticate and verify your identity and credit status To detect, investigate, report, and seek to prevent financial crime. To manage risk for us and our customers. To obey laws and regulations that apply to us. To respond to complaints and seek to resolve them. Your consent. Fulfilling contracts. Our legitimate interests. Our legal duty Providing you with financial advice. Keeping our records up to date, working out which of our products and services may interest you and telling you about them. Defining types of customers for new products or services. Seeking your consent when we need it to contact you. Being efficient about how we fulfil our legal duties. Complying with regulations that apply to us We will only collect and use these types of data if the law allows us to do so: • Racial or ethnic origin • Religious or philosophical beliefs • Trade union membership • Genetic and bio-metric data • Health data including gender • Criminal convictions and offences Depending on the instructions we receive from you, we may pass your data to other professional advisers to enable us to provide advice most suited to your circumstances. Usually, this would be referrals to accountants, solicitors, tax advisers and sometimes to specialist advisers in the financial and insurance industry where you may benefit from the expertise of such third parties. We, and any insurerthird party specialist advisers to whom we introduce to you, will pass your data to product providers, lenders and investment managers when you agree to make an investment, purchase or amend policies, or mortgages. We may also share your personal information if the make-up of Lighthouse Group Plc changes in the future: • We may choose to sell, transfer, or merge parts of our business, or our assets. Or we may seek to acquire other businesses or merge with them. • During any such process, we may share your data with other parties. We will only do this if they agree to keep your data safe and private. • If a change to our Group happens, then other parties may use your data in the same way as set out in this notice. Product providers, lenders and investment managers may administer your policies, including any existing policies you may have with them, and provide other services from centres in countries outside Europe (such as India and the USA) that do not always have the same standard of Data Protection laws as the UK. However, they are required to put a contract in place to ensure that your information is adequately protected, and they will remain bound by their obligations under the relevant Data Protection law even when your personal information is processed outside Europe If we do transfer information to investment or insurance companies outside of the EEA, we will make sure that it is protected in the same way as if it was being used in the EEA. We will use one of these safeguards: • Transfer it to a non-EEA country with privacy laws that give the same protection as the EEA. • Put in place a contract with the recipient that means they must protect it to the same standards as the EEA. • For data sent to the USA, transfer it only to organisations that are part of Privacy Shield. This is a framework that sets privacy standards for data sent between the US and EU. It makes sure those standards are similar to what is used within the EEA. If you choose not to give us this personal information, it may delay or prevent us from meeting our obligations. It may also mean that we cannot perform services needed to run your accounts or policies. It could mean that we cancel a service you have with us. Any data collection that is optional would be made clear at the point of collection. If you believe that any information we hold is incorrect or incomplete, we will promptly amend any information that is incorrect or incomplete. There is no fee. If you want copies of your records or us to amend information, you should contact the Client Liaison Team at Lighthouse Advisory Services on 0800 0858593 or in writing to Client Liaison Team, Lighthouse Advisory Services Limited at Xxxxxxxx Xxxxx, Xxxxxxxx Xxxxxx, Xxxxxxxxx, XX0 0XX. If you do, we will take reasonable steps to check its accuracy and correct it. There may be legal or other official reasons why we need to keep or use your data. However, please tell us if you think that we should not be responsible for any consequence resulting from a failure by you using it. We may sometimes be able to disclose all material facts to an insurer (including, without limitation, restrict the possibility use of your insurance policies being rendered void or limited). 3.3 You must advise us of any change in your business that might affect your insurancesdata. This may includemeans that it can only be used for certain things, such as legal claims or to exercise legal rights. In this situation, we would not use or share your information in other ways while it is restricted. You can ask us to restrict the use of your personal information if: • It is not accurate. • It has been used unlawfully but you do not want us to delete it. • It is not relevant any more, but not limited to, acquisitions, disposals, mergers, sale of principal assets, or material changes you want us to business operations. 3.4 keep it for use in legal claims. • You have already asked us to stop using your data but you are waiting for us to tell you if we are allowed to continue using it. If you want to vary object to how we use your data, or ask us to delete it, or restrict how we use it, please contact us. You also have the right to complain to the Information Commissioner’s Office. Find out how on their website xxxxx://xxx.xxx.xx/concerns/ or call their helpline on 0303 123 1113. We can only use your personal information to send you marketing messages if we have either your consent or a ‘legitimate interest’. That is when we have a business or commercial reason to use your information. It must not unfairly go against what is right and best for you. You can ask us to stop sending you marketing messages by contacting us at any insurance e.g. by increasing the sum insured or adding other propertytime. Whatever you choose, you must provide will still receive statements, and other important information such as changes to your existing products and services. We may ask you to confirm or update your choices, if you take out any new products or services with us with details in future. We will also ask you to do this if there are changes in the law, regulation, or the structure of the changes you require and any other information you need to disclose to insurers. Any adjustment to the premium will be advised to you. 3.5 You must advise us (or your insurers) in terms of the appropriate policy of an event or circumstance that may give rise to a claim or potential claim under your insurance policy(ies)our business. If you do change your mind, you can update your choices at any time by contacting us. Occasions can arise when we or one of our clients may have some form of interest in business that we are transacting for you. If this happens, or we become aware that our interests conflict with yours, which may impact on you, we will decline to deal with you. Our policy is that unless a conflict of interest can be managed without it impacting on clients, we will not inform deal with that client. We are committed to providing the highest standard of financial advice and service possible. The interests of our clients are paramount to us (and to achieve this we have designed our systems and procedures to place you at the heart of our business. In doing so, we will: • be open, honest and transparent in the way we deal with you • explain clearly the areas on which we advise and the services we offer • act in your best interests at all times with total integrity, not place our interests above yours • communicate clearly, promptly and without jargon • Seek your views and perception of our dealings with you to ensure they meet your expectations or your insurers) to identify any improvements required • Discuss and agree fees and payment options in advance, before undertaking any work you ask us to do. From time to time, we may attend training events funded and/or delivered by product providers, fund, managers and platforms. These events are designed to enhance our knowledge and ultimately therefore enhance the quality of such a claim service we provide to our clients. Third parties may also provide access to specialist tools or potential claim calculators to assist in the advice process. Further details are available on request. Communications and correspondence between you may prejudice your rights under your insurance contracts. You and the firm will be advised made in English unless otherwise agreed by your adviser. All transactions undertaken by the adviser and instructions made by you must be provided in writing. In the interest of security, we may monitor and/or record your telephone calls with us. On occasions when it may be necessary to conduct our business without any personal contact, we will advise you if you need to complete this requires the creation of a claim form or produce documentation to support your claim. 3.6 After receiving your insurance documents from distance contract between us. In this contract, you must check them will be provided with additional information as required by the directive. Under the rules and advise us promptly guidance of anything that does not meet your requirements. Any errors should be notified to us immediately. 3.7 You must pay our regulator the premium(s), any statutory charges, government levies, taxes, GST and fees when due as set out in our invoice(s), unless premium funding has been arranged. We will give full information about premium payment options when we provide quotations 3.8 If you do not pay the premium on timeFinancial Conduct Authority, we are required to advise disclose to all clients the insurerinformation contained within this document. Please sign this document once you are happy with its content, retaining one copy for yourself and returning one copy to your adviser. The insurer Terms and Conditions will become effective once Lighthouse Advisory Services Limited has received the right to cancel duplicate signed copy and will apply until terminated by either party. 1 You agree that the insurance and information we hold about you will not can be insured. The insurer may also charge a short-term premium for the time they have insured the riskheld on computer and/or paper files. 3.9 Please note that we have no obligation to fund any premium, taxes or fees (if applicable) on your behalf and we will have no responsibility for any loss you may suffer as a result of insurers cancelling the insurance or taking any prejudicial steps as a result of late payment.

Your Responsibilities. 3.1 4.1 You should carefully read have a general duty of disclosure. You are responsible on an ongoing basis for providing us with all material facts relating to the insurance contracts we arrange on your behalf. Material facts are those that would influence an insurer when they were deciding whether to accept the risk, and understand the terms and conditions that would apply. Failure to provide full and accurate information we have provided may mean that your cover is reduced, cancelled, or if the non-disclosure is fraudulent, the insurer may be able to you in avoid (cancel) the Insurance Manual we have provided to youcontract from the beginning. If you have not received or have misplaced this important document please ask for another one are in any doubt as it sets out your important obligations in relation to your insurance policieswhat facts are considered to be material you should disclose them to us. 3.2 4.2 You must provide accurate, complete and timely information to us. You are responsible for all information you provide in any proposal, claim form or other material document. We are not responsible for checking the accuracy or completeness of any information you provide to us or any insurer. We will not be responsible for any consequence resulting from a failure by you to disclose all material facts to an insurer (including, without limitation, the possibility of your insurance policies being rendered void or limited). 3.3 4.3 You must advise us of any change in your business that might affect your insurances. This may include, but not limited to, include acquisitions, disposals, mergers, sale of principal assets, or material changes to business operations. 3.4 4.4 If you want to vary any insurance e.g. by increasing the sum insured or adding other property, you must provide us with details of the changes you require and any other information you need to disclose to insurers. Any adjustment to the premium as a result of such variation will be advised to you. 3.5 4.5 You must advise us (or your insurers) in terms of the appropriate policy as soon as is reasonably practicable of an event or circumstance that may give rise to a claim or potential claim under your insurance policy(ies)claim. If you do not inform us (or your insurers) of such a claim or potential claim you may prejudice your rights under your insurance contracts. You will be advised if you need to complete a claim form or produce documentation to support your claim. 3.6 4.6 After receiving your insurance documents from us, you must should check them and advise us promptly of anything that does not meet your requirements. Any errors should be notified to us immediately. 3.7 4.7 You must pay the premium(s), any statutory charges, government levies, taxes, GST and fees premiums when due as set out in our invoice(s)invoices, unless premium funding has been arranged. We normally accept payments by cheque. We will give full information about premium payment options when we provide quotations. Invoices detail the premium, statutory charges (government levies and GST) and fees (if applicable) for all new and renewals and mid-term variations. 3.8 4.8 If you do not pay the premium on time, we are required to advise the insurer. The In that event, the insurer has may have the right to cancel the insurance and you will not be insured. The insurer may also charge a short-term premium for the time they have insured the risk. 3.9 4.9 Please note that we have no obligation to fund any premium, taxes or fees (if applicable) on your behalf and we will have no responsibility for any loss you may suffer as a result of insurers cancelling the insurance or taking any prejudicial steps as a result of late payment.

Your Responsibilities. 3.1 You should carefully read It will be your responsibility: • To pay our fees, disbursements, and understand the information we have provided any other sums due to you us in the Insurance Manual we have provided to you. If you have not received or have misplaced accordance with this important document please ask for another one as it sets out your important obligations in relation to your insurance policies. 3.2 You must contract • To provide accurate, complete prompt and timely information to us. You are responsible for all information you provide in any proposal, claim form or other material document. We are not responsible for checking the accuracy or completeness accurate instructions and advise immediately of any changes in those instructions • To provide such materials and information as we may require from time to time in order to perform the Services and to satisfy any statutory obligations • To co-operate with us reasonably • To make certain that the Property and its fixtures, fittings and contents, are at all times properly and adequately insured whether the Property is occupied or not • To obtain all necessary consents that you may need from your mortgagee and/or your superior landlord and/or your insurers to enter into the Tenancy Agreement • To provide to us details of any obligations or restrictive covenants under any insurerleases or contracts relating to the Property which the Tenant will be duty bound to observe. We will not be responsible ask you for such details separately but we do include an appropriate provision to comply with such provisions in our standard Tenancy Agreements and we will forward any consequence resulting from a failure by details that you provide to disclose the Tenant It is your responsibility to comply with the following regulations or any re- enactment of the same: • The Furniture and Furnishings (Fire) (Safety) Regulations 1988 and the Furniture and Furnishings (Fire) (Safety) (Amendment) Regulations 1993 which require all material facts upholstered furniture, soft furnishings, beds, mattresses, pillows and cushions in the Property to an insurer comply with certain safety standards • The Gas Safety (including, without limitation, Installation and Use) Regulations 1998 as amended • The Electrical Equipment (Safety) Regulations 1994 and IEE Wiring Regulations (BS7671) • The various Houses in Multiple Occupation Regulations implementing the possibility terms of your insurance policies being rendered void or limited). 3.3 You must advise us the Housing Act 2004 • The Energy Performance of any change in your business that might affect your insurances. This may include, but not limited to, acquisitions, disposals, mergers, sale of principal assets, or material changes to business operations. 3.4 If you want to vary any insurance e.g. by increasing the sum insured or adding other property, you must provide us with Buildings (Certificates and Inspections) (England and Wales) Regulations 2007 Full details of the changes you require and any other information you need requirements under these Regulations are available on request. We shall be entitled to disclose to insurers. Any adjustment to the premium will be advised to you. 3.5 You must advise us (or your insurers) in terms of the appropriate policy of an event or circumstance that may give rise to a claim or potential claim under your insurance policy(ies). If terminate this contract if you do not inform us (or your insurers) of such a claim or potential claim you may prejudice your rights under your insurance contracts. You will be advised if you need to complete a claim form or produce documentation to support your claimcomply with these responsibilities. 3.6 After receiving your insurance documents from us, you must check them and advise us promptly of anything that does not meet your requirements. Any errors should be notified to us immediately. 3.7 You must pay the premium(s), any statutory charges, government levies, taxes, GST and fees when due as set out in our invoice(s), unless premium funding has been arranged. We will give full information about premium payment options when we provide quotations 3.8 If you do not pay the premium on time, we are required to advise the insurer. The insurer has the right to cancel the insurance and you will not be insured. The insurer may also charge a short-term premium for the time they have insured the risk. 3.9 Please note that we have no obligation to fund any premium, taxes or fees (if applicable) on your behalf and we will have no responsibility for any loss you may suffer as a result of insurers cancelling the insurance or taking any prejudicial steps as a result of late payment.

Your Responsibilities. 3.1 4.1 In respect of the services we provide under this agreement, you are responsible as follows: (a) Your policy documents contain the terms and conditions of your insurance cover and impose obligations on you. You should carefully read and understand this information ensuring the information we have provided to insurance cover satisfies your needs and that you in the Insurance Manual we have provided to youunderstand your obligations. If you have not received or have misplaced this important document your policy document, please ask us for another one as it sets out your important obligations in relation to your insurance policiesone. 3.2 (b) You must provide us with accurate, complete and timely information to us. You are responsible for information, including all information which may be material to an insurer's assessment of any risk for which you provide in have asked us to arrange insurance cover. This includes any proposal, claim form material or other material documentrelevant change of circumstance during the term of your policy and on renewal. We are not responsible for checking the accuracy or completeness of any information you provide to us or any insurer. We will not be responsible for any consequence resulting from a failure by you to disclose all material facts to an insurer (including, without limitation, the possibility of your insurance policies being rendered void or limited). 3.3 (c) You must advise us us, as soon as practicable, on becoming aware of any change in your business that might affect your insurances. This may include, but not limited to, acquisitions, disposals, mergers, sale of principal assets, or material changes to business operations. 3.4 If you want to vary any insurance e.g. by increasing the sum insured or adding other property, you must provide us with details of the changes you require and any other information you need to disclose to insurers. Any adjustment to the premium will be advised to you. 3.5 You must advise us (or your insurers) in terms of the appropriate policy of an event or circumstance that may give rise to you making a claim or potential claim under your insurance policy(ies). If you do not inform us (or your insurers) Failure to advise an insurer of such a claim an event or potential claim you may circumstance could prejudice your rights under your insurance contractspolicy. You If you fail to disclose or misrepresent any relevant information, this could invalidate your policy and mean that any claims under your policy may not be paid to you. We will be advised advise you if you need to complete a claim form or produce documentation to support your claim. 3.6 (d) After receiving your insurance documents from us, you must check them and advise us promptly of anything that does not meet your requirements. Any errors should be notified to us immediately. 3.7 (e) You must pay the premium(s), ) any statutory charges, government levies (including the EQC and Fire and Emergency levies), taxes, GST and fees when due fees) as set out detailed in our invoice(s), unless premium funding has been arranged, in which case you will have a separate arrangement to pay with the premium funder. We will give full On request, we can provide you with information about premium payment options when we provide quotationsour quotation. 3.8 If (f) It is your obligation to ensure you do not pay the premium premiums and other relevant charges on time, we are required to advise the insurer. The Your insurer has the right to cancel the insurance your policy if premiums are not paid on time and you will not be insured. The insurer may also charge a short-term premium time on risk for the time they have insured the risk. You may be charged interest and/or fines and penalties for late payment of any government or statutory charges as previously referred to. 3.9 Please note that we (g) We have no obligation to fund any premium, taxes or fees (if applicable) on your behalf and we will have no responsibility for any loss you may suffer as a result of insurers cancelling the insurance your policy or taking any prejudicial steps action as a result of late payment. Please contact us immediately if you are unable to make any premium payment. (h) We hold file material and correspondence regarding the services provided to you for at least 7 years, after which we may destroy your file without notice. It may be possible that you need to make a claim against a policy after this period. You remain responsible for your paperwork and correspondence and should keep your policy documents in a safe place.

Your Responsibilities. 3.1 6.1. You should carefully read agree: to pay our fee and understand charges (if applicable) in accordance with these terms of business; to pay all premiums and other charges in the timeframe specified on the invoice or within 30 days if no timeframe is specified; and acknowledge that if you fail to comply with any insurer premium warranty or condition, the insurer may have the right to refuse to pay in claims in respect of losses that occur before the premium payment warranty or condition has been complied with. Please contact us immediately if you may not be, or are not, able to comply with a premium payment warranty or condition; where premium is payable to an insurer by a certain date to pay the insurer in sufficient time for the insurer to clear those funds; that we shall provide the Services in reliance on the information we have and data provided to you in the Insurance Manual we have provided to by or on behalf of you. If you have not received or have misplaced this important document please ask for another one as it sets out your important obligations in relation You agree to your insurance policies. 3.2 You must provide accurate, complete and timely information to usenable us to fulfil our obligations under these terms and to assist you in complying with your duty to disclose all material information to prospective insurers. You are responsible for all Further information you provide in any respect of this duty is set out in clause 8 below. Any answers or statements given on a proposal, ,claim form or any other material documentdocuments otherwise are your responsibility and should therefore be checked carefully by you. “Material Document” for the purposes of this Clause 6.1.5 includes but is not limited to the following documents:- proposal form and/or statement of fact declaration. We are not responsible for checking under no obligation to investigate or verify the accuracy or completeness of any information or data provided by you provide to us or any insurer. We will not be responsible and we shall have no liability for any consequence resulting from a errors or deficiencies arising out of or based on the same. Any delay or failure to provide accurate and complete information may result in our being unable to meet any agreed timetable and additional fees being charged; to review carefully any documentation supplied by you to disclose all material facts to an insurer us (includingfor example policy documents, without limitationcover notes, the possibility summaries of your insurance policies being rendered void covers, client information letters or limited). 3.3 You must advise us evidence of any change in your business that might affect your insurances. This may include, but not limited to, acquisitions, disposals, mergers, sale of principal assets, or material changes to business operations. 3.4 If you want to vary any insurance e.g. by increasing the sum insured or adding other property, you must provide us with details of the changes you require cover,and any other information you need to disclose to insurers. Any adjustment to the premium will be advised to you. 3.5 You must insurer or Aon documents) and advise us (immediately on receipt if any such documentation does not appear to be in accordance with your instructions or your insurers) in terms of the appropriate policy of an event or circumstance that may give rise to a claim or potential claim under your insurance policy(ies)requirements. If you do not inform not, we shall be entitled to assume that the documents we provided to you meet your instructions and/or requirements; to notify us (or your insurers) insurer promptly of such any subsequent amendments that you require to the terms of the insurance contract. We refer to clause 8 concerning the impact of any amendments to the insurance on your duty not to make a misrepresentation; to notify us or your insurer promptly of all claims in accordance with the terms of the insurance contracts placed by us pursuant to these terms. Any failure to do so, may lead to your claim not being paid. No admission of liability should be made to a third party without your insurer’s prior written approval; and acknowledge that there may be a statutory or policy limitation periods within which you must submit a claim to your insurer or potential claim you may prejudice pursue your rights under your insurance contractsinsurer for payment of any claims. You will be advised if you need to complete a claim form or produce documentation to support your claim. 3.6 After receiving your insurance documents from us, you must check them and advise us promptly of anything agree that does not meet your requirements. Any errors should be notified to us immediately. 3.7 You must pay the premium(s), any statutory charges, government levies, taxes, GST and fees when due as set out in our invoice(s), unless premium funding has been arranged. We will give full information about premium payment options when we provide quotations 3.8 If you do not pay the premium on time, we are required to advise the insurer. The insurer has the right to cancel the insurance and you will not be insured. The insurer may also charge a short-term premium for the time they have insured the risk. 3.9 Please note that we have no obligation to fund monitor any premium, taxes or fees (if applicable) on your behalf such periods and we will have no responsibility for any loss you may suffer as a result of insurers cancelling the insurance or taking any prejudicial steps as a result of late payment.take legal advice when required; and

Your Responsibilities. 3.1 You should carefully read and understand the information we have provided to you in the Insurance Manual we have provided to youAll answers on proposal forms or any other document or statement made are your responsibility. If you have not received or have misplaced this important document please ask for another one as it sets out your important obligations in relation to your insurance policies. 3.2 You must provide accurate, complete and timely information to us. • You are responsible for providing complete and accurate information which insurers require in connection with any proposal for insurance cover. This is particularly important before taking out a policy or at renewal but it also applies throughout the life of the policy. • If you fail to disclose any material information to the insurance company, this could invalidate the policy and mean that claims may not be paid. • You should check all information you provide in details on any proposal, claim proposal form or Statement of Facts and pay particular attention to any declaration you may be asked to sign. • You should read all insurance documents issued to you and ensure that you are aware of the cover, limits and other material documentterms that apply. • You should pay particular attention to any warranties and conditions as failure to comply with them could invalidate your policy. • You should inform us immediately of any changes in circumstances that may affect the services provided by us or the cover provided by your policy. We are not responsible for checking the accuracy or completeness of any information you provide to us or any insurer. We will not be responsible for any consequence resulting from a failure by strongly advise you to disclose retain copies of all material facts to an insurer (including, without limitation, the possibility of your insurance policies being rendered void or limited). 3.3 You must advise us of any change in your business correspondence that might affect your insurances. This may include, but not limited to, acquisitions, disposals, mergers, sale of principal assets, or material changes to business operations. 3.4 If you want to vary any insurance e.g. by increasing the sum insured or adding other property, you must provide us with details of the changes you require and any other information you need to disclose to insurers. Any adjustment to the premium will be advised to you. 3.5 You must advise us (or your insurers) in terms of the appropriate policy of an event or circumstance that may give rise to a claim or potential claim under your insurance policy(ies). If you do not inform us (or your insurers) of such a claim or potential claim you may prejudice your rights under your insurance contracts. You will be advised if you need to complete a claim form or produce documentation to support your claim. 3.6 After receiving your insurance documents from send us, you must check them and advise us promptly of anything that does not meet for your requirementsown protection. Any errors should be notified to us immediately. 3.7 You must pay the premium(s), any statutory charges, government levies, taxes, GST and fees when due as set out in our invoice(s), unless premium funding has been arranged. We will give full information about premium payment options when we provide quotations 3.8 If you do not pay the premium on time, Where we are required to advise verify your identity in accordance with the insurerFCA rules, no investment will be made until such verification has been obtained. The insurer has If the right required verification is not forthcoming within a reasonable period, we will be unable to cancel arrange any investments for you. We may use and search the insurance records of credit reference or fraud prevention agencies to check your identity to satisfy the requirements of the UK Money Laundering Regulation 2007, Proceeds of Crime Xxx 0000 (as amended), the Terrorism Xxx 0000, the Anti-terrorism, Crime and you Security Xxx 0000 and FCA rules. Such searches will not affect your credit rating, although they can be insuredseen by anyone reviewing your credit report in the future. The insurer may also charge By signing this agreement you are consenting to Lighthouse Advisory Services Limited validating your personal identification and address via these means. Please inform us if this is not acceptable. Your personal data will be processed by Lighthouse Epsom and Lighthouse Advisory Services Limited, which are part of Lighthouse Group plc (the "Group"). This privacy notice is to let you know how companies within the Group will look after your personal data. This includes what you tell us about yourself, what we learn by having you as a short-term premium for customer, and the time they have insured choices you give us about what marketing information you want us to send you. This notice explains how we do this and tells you about your privacy rights and how the risk. 3.9 Please note law protects you. Data Protection law says that we can only use personal data if we have no obligation a proper reason to fund any premiumdo so. This includes sharing it outside Lighthouse Group plc. For example (and as described in more detail below) in different scenarios the following reasons may justify our processing of your data: • To fulfil a contract we have with you, taxes or fees • When it is our legal duty, or • When it is in our legitimate business or commercial interest (if applicable) on provided that our legitimate interest is not overridden by your behalf and we will have no responsibility for any loss rights), or • When you may suffer as a result of insurers cancelling the insurance or taking any prejudicial steps as a result of late paymentconsent to it.