Upon accessing the K Drewe Insurance Brokers Limited Ecommerce Internet Site known as “kdibonline.co.uk” you agree to be bound by the following Terms and Conditions (the “Terms”) and before accessing and utilising this website you should read these Terms carefully. Please note you may have entered the kdibonline.co.uk website via another website. In these Terms ‘you’, ’your’ and ‘yours’ means you, the person(s) accessing this Site, ‘we’, ‘us’ and ‘our’ means K Drewe Insurance Brokers Limited. ‘K Drewe Insurance Brokers Limited' means its subsidiaries and associated companies from time to time. The ‘Site’ means the internet platform known as kdibonline.co.uk.
TERMS
These Terms cover your use of kdibonline.co.uk. These Terms are not intended to vary the terms of any written agreements on other subject matters that may exist between you or your employer, and us. From this Site we may provide information or hyperlinks to other websites or pages provided by other parties. Your use of other parties' sites may be subject to their own terms and conditions. You should read them. Products which may be advertised on kdibonline.co.uk may have their own terms and conditions and these should be read separately. Please make sure you read carefully all applicable terms, conditions and disclaimers relevant to your use of the products, services or information that may be offered to you from time to time.
CHANGES TO OUR TERMS
We may change these Terms at any time by updating these pages. You agree to review any applicable Terms and Conditions regularly and that your use of any part of this Site will be subject to any such changes once they are made.
AVAILABILITY OF SITE, PRODUCTS AND SERVICES
The content, including layout, of kdibonline.co.uk or products or services available via kdibonline.co.uk may be wholly or partially suspended, withdrawn or changed at any time. We also reserve the right at any time to immediately suspend the provision of all or any part of kdibonline.co.uk to you and/or block your access to kdibonline.co.uk.
NO OFFER
Information or opinions contained on this Site do not constitute investment advice or an offer to sell, or a solicitation, or offer to buy, any securities or financial instruments.
USERS
This Site is intended for those who access it from within the United Kingdom. Because of this, we cannot guarantee that this Site or the information on it complies with local laws, regulations or restrictions of, or is appropriate for use in, other places. People accessing this Site from outside the United Kingdom must inform themselves about and observe any relevant rules, regulations and restrictions.
The following provisions under 'No Warranties', 'Exclusion of Our Liability' and 'Indemnity' exclude or limit our legal liability for this Site and ask you to indemnify us. You should read them carefully.
NO WARRANTIES
Other than the warranties and representations contained in these Terms, all other warranties and representations, whether express, implied or statutory are, to the fullest extent permitted by the law, excluded. Use of this Site is at your sole risk.
We do not represent that:
- any information contained on this Site will be accurate, complete or up to date or meet your specific requirements,
- this Site will be available,
- access to this Site will be uninterrupted or that there will be no delays, failures, errors or omissions or loss of information as this Site is transmitted to you,
- no viruses or other contaminating or destructive materials or elements will be transmitted or that your computer system will not be damaged. We do not provide any guarantee about the accuracy, functionality or performance of any third party software, content or equipment used in connection with this Site.
EXCLUSION OF OUR LIABILITY
To the extent permitted by law, K Drewe Insurance Brokers Limited shall not be liable for any damage, loss or liability (whether arising in contract, tort, including negligence, or otherwise) arising out of or in connection with:
- your use of this Site,
- your reliance on or your inability to use the information, products or services on this Site, or
- any failure or performance, error, omission, interruption, defect, delay in operation or transmission, computer virus or line or system failure to this Site or your use or attempted use of it.
The above exclusions apply to any damage which is direct, indirect, special, incidental or consequential or consists of loss of profits, business, opportunity or data. All of the above exclusions apply even if you have advised K Drewe Insurance Brokers Limited of the possibility of the above types of damage, loss or liability.
INDEMNITY
You undertake and agree to indemnify and hold us harmless in respect of any and all actions, claims or proceedings (including legal costs on an indemnity basis) made against us arising from or in connection with your use or participation in kdibonline.co.uk.
YOUR OBLIGATIONS
Security - it is your sole responsibility adequately to:
- undertake reasonable and appropriate precautions against any computer virus or other destructive materials or elements, and
- ensure that your computers and your access to this Site are adequately secured against any unauthorised users.
Your use of this Site - you may not use this Site or permit others to use this Site:
- in any way (including via electronic means) and for any purpose which is unlawful, defamatory or libellous, offensive, abusive, indecent, menacing or threatening or in any way breaches any intellectual property rights or obligations of confidence, or
- to cause annoyance, inconvenience or needless anxiety to any other person or in any other way which is in violation of any applicable law or regulation in any jurisdiction in the world, or
- to introduce a virus or other disruptive material or element or otherwise disrupt or impair this Site or any communication service.
The kdibonline.co.uk Site enables you to conduct a number of insurance services online and enter your customers into a contract of insurance with insurers. It is your responsibility to ensure that you fulfil your own obligations as an Insurance Intermediary and as required under your regulation by the Financial Services Authority.
It is your responsibility for ensuring that only those persons to whom you have provided passwords and User names have access to the Site and you must ensure that you have adequate systems and controls in place to maintain your authorised Users’ access up to date and secure.
COMPLIANCE
By using kdibonline.co.uk, you are warranting that you and your employer have taken and will continue to take all necessary steps to ensure that you comply with any applicable rules, requirements and provisions of the Financial Services Authority or other regulatory authorities as applicable, in connection with your access to and use of kdibonline.co.uk and any products marketed thereon.
OUR MONITORING OF COMMUNICATIONS
To help us improve our service and in the interest of security, we may monitor and/or record communications (whether over the Internet, telephone or otherwise) between you and us.
COPYRIGHT AND INTELLECTUAL PROPERTY RIGHTS
“kdibonline.co.uk” is the brand granted by us under license to Broker Direct Ltd to market a range of products exclusively to their members. In addition K Drewe Insurance Brokers Limited may market kdibonline.co.uk to non Broker Direct Members. All intellectual property rights in the K. Drewe Insurance Brokers Limited and kdibonline.co.uk names and in the look and feel of the kdibonline.co.uk Site remain in us.
Our Rights: all intellectual property rights (including without limitation, copyright, database rights, design rights, patents and trademarks) in the pages, screens, information and materials included in this Site are owned by or licensed to us unless otherwise stated.
Copying by you: you may print, copy, download or temporarily store extracts from this Site for your personal use or to help you use our products and services. You must not alter any extract contained on or obtained from this Site in any form. Any other use is prohibited unless you first get our written permission.
DATA PROTECTION
We are committed to protecting your personal data and privacy. All information that we gather from you in connection with your use of this Site ('your information') will be processed or otherwise dealt with by us in accordance with our Privacy Policy (as amended from time to time) which you should read.
We may, as a result of your interaction and your need to enter this site and for us to fulfil any insurance services/contracts, hold and process your information. This will be entered on to our group database and will be used to provide to you services and products, to evaluate the effectiveness of this Site and for statistical analysis.
Your information may also be used for fraud prevention and audit purposes. If you give us false or inaccurate information and we suspect fraud, we will record this. Your information will be protected by a strict code of secrecy and security which K Drewe Insurance Brokers Limited, their staff and any third parties are subject to and which will only be used in accordance with our instructions.
We may contact you to ensure that any information you have requested has been received.
Under data protection legislation, you can ask in writing for a copy of certain personal records we hold about you. We may make a charge for this service.
GOVERNING LAW
These Terms are governed by and are to be interpreted in accordance with the laws of the United Kingdom. The courts in the United Kingdom will have non-exclusive jurisdiction in respect of any dispute which may arise in connection with the Terms or your use of this Site. In the event that any clause or part of this Agreement is found by any Court, tribunal, administrative body or authority of competent jurisdiction to be wholly or partly illegal, invalid or unenforceable, that shall not affect or impair the legality, enforceability or any other provision of this Agreement.
OUR INFORMATION
K Drewe Insurance Brokers Limited.
Registered in England and Wales. Registered Number: 0743268. Registered Office: The Post House, 14 Load Street, Bewdley, Worcestershire, DY12 2AE.
We are authorised and regulated by the Financial Services Authority.
Contact: 0845 4 56 57 58
Fax: 0845 4 08 59 26
Email: mail@kdib.co.uk