Disclaimer and Privacy Statement
(a) Website Disclaimer
These Terms apply to your use of our website. If you are not over 18 or not living
in the United Kingdom you will not be able to use this website and you should not
attempt to make an application, although subject to your acceptance of these Terms
you should feel free to browse. If you do not agree to be bound by the Terms set
out below you should not use this website.
Definitions
The following words have the following meanings:
"Terms" means these terms and conditions;
"Product Provider" means any insurance company, life office, broker
and administration provider, operator of a collective investment scheme, fund manager,
bank, building society or any other financial institution;
"Us/Our" means Claims Financial Company Limited;
"You" means the user of the website.
Copyright Trademark and site content
You acknowledge and accept that all copyright, trademarks and all other intellectual
property rights in all material or content provided as part of the website belong
to us, or a Product Provider. You may download material from this site for your
own use only. No right, title or interest in any downloaded materials is transferred
to you by such downloading.
Any other use of the material and content of the website is strictly prohibited
and you agree not to copy, reproduce, transmit, publish, display, distribute, commercially
exploit or create derivative works of such material except for the purpose of applying
for shares or with our written consent.
Our Liability to you
While we will use all reasonable endeavours to ensure the accuracy of any information
placed on the website, we make no representations or give any warranties of any
kind with respect to this site or its contents and we disclaim all representations,
except where fraudulently made, and warranties. In addition we make no representations
or warranties about the accuracy or the information contained on this website. The
information provided to you in connection with the products is provided by the Product
Providers and you acknowledge that we have no liability to you with respect to the
accuracy of such information. As we rely on information given to us by third parties
there may be a time delay in keeping that information up to date. You should therefore
check the accuracy of the information.
The website may only list the Product Providers with whom we have arrangements and
may not cover all Product Providers in the market. These disclaimers do not attempt
to disclaim liability for matters that cannot be excluded under any applicable English
law or the rules of the Financial Services Authority.
We make no warranty that the website will meet your requirements or will be uninterrupted,
timely, secure or error-free, that defects will be corrected, or that the site or
the server that makes it available are free of viruses or bugs or represents the
full functionality, accuracy or reliability of the materials. We will not be liable
to you for any loss of content or material uploaded or transmitted through the website.
We cannot guarantee that a Product Provider will be able to provide an investment
at any particular time. We do not accept any liability in the event of withdrawal
of any offering of an investment or for rejection of your application by the Product
Provider for any reason whatsoever.
Neither we, nor any of our directors, agents or employees will be liable for damages
arising out of or in connection with your use of this site. This is a comprehensive
limitation of liability that applies to all damages of any kind, including, without
limitation, compensatory, direct, indirect or consequential damages, loss of data,
income or profit, loss or damage to property and claims of third parties. We do
not exclude any liability for death or personal injury resulting from our negligence
or that of our directors, agents or employees.
This website is designed to provide you with general information only and does not
attempt to give you advice on any particular investment or to recommend any particular
investment to you. If you have any doubt as to whether a particular investment is
suitable for you, you should contact an Independent Financial Adviser.
Indemnity
In using this website, we require that you abide by these Terms. If you fail to
abide by them, and this failure causes us to suffer a claim, action, liability,
or loss because of your failure to abide by these Terms, you agree to indemnify
us, on demand, for all costs and expenses, including legal fees, which arise out
of your failure to abide by these Terms.
Our Rights
We reserve the right at any time to modify or withdraw, temporarily or permanently,
the website or any part of it without notice to you and we will not be liable to
you in any way for any modification or withdrawal of the website. We also reserve
the right to modify these Terms without reference to you.
We reserve the right at any time to refuse to process a transaction for any reason.
We will not be liable to you or any third party by reason of our failing to process
a transaction.
By making an application for any investment or insurance you expressly authorise
us to transmit information or to obtain information about you from third parties
from time to time, including but not limited to your credit reports, in order to
authenticate your identity.
Third Party Links
In the event that there are third party links to other websites for your convenience,
you acknowledge and agree that we are not responsible for the availability or functionality
of such external sites. We do not endorse the content of any external sites and
are not responsible or liable, directly or indirectly, for any loss however caused
to you by your use of any external site.
Miscellaneous
The information on this website is for residents of the UK only.
We shall not be liable to you where performance of any of our obligations to you
is prevented, frustrated or impeded by any circumstance or cause beyond our control.
If any part of these Terms is found to be unenforceable as a matter of law, all
other parts of these Terms shall not be affected and shall remain in force.
These Terms shall be governed by and construed in accordance with English law and
the English courts shall have jurisdiction over any disputes between us.
(b) Privacy Statement
Claims Financial Ltd takes the issue of privacy very seriously. This statement
sets out our practice concerning data processing.
What data do we hold about You?
This website is provided by Claims Financial Ltd Limited ("CFL") to help you
to select products to meet your individual needs. To do this we must obtain certain
information from you about your personal and financial circumstances. The information
that you give us will then be passed by us to potential providers and researchers
who will use that information and respond with the terms they are prepared to offer.
How we use your data?
The nature of our service means that depending on the nature of your enquiry we
have to share your personal data with our partners who provide the products and
services that you request. For example if after using a comparative service on the
website you wish to speak to an adviser or request a financial product, we will
pass on your relevant personal data to the partner concerned to fulfill your request.
If you have requested to receive our regular newsletter we may contact you by telephone
or by email to inform you of products and services which may be of interest to you.
If you wish to opt out of this direct marketing activity please contact support@claimsfinancial.co.uk
so that we may remove your personal details from the database.
What are "cookies" and how we use them?
For each new visitor to the website we automatically log certain information about
how you are using our website. If your computer browser is set up to accept them,
we use a feature known as a "cookie" which contains information that is stored on
your computer hard drive for record keeping purposes. Cookies allow us to make our
website more useful based on stored information about your preferences when you
visit our website. If you do not wish for information to be recorded in this way,
you are able to configure your browser to refuse cookies or to notify you when you
have received one.
Where is your data stored?
Claims Financial Ltd is the registered data controller of your personal data
for the purposes of the Data Protection Act 1998.
All personal data provided by you is held securely and in confidence by us in our
computerized records. You have the right to inspect the data we hold about you at
any time. If you wish to do so, please write to the Compliance officer at:
The Compliance Officer
Claims Financial Limited
Kings House
14 Orchard Street
Bristol
BS1 5EH
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