Terms and Conditions
- Terms and Conditions for Website Users
- Terms and Conditions for Website Subscribers
WEBSITE USERS
1. General1.1 Memiah Limited operates an online directory for professional insurance brokers and trades under the name Insurance 4 Business (hereinafter "Insurance 4 Business").
1.2 These Terms and Conditions ("Terms") govern the relationship between Insurance 4 Business and You, the Website User.
1.3 These Terms and Conditions may be changed without prior notice at any time.
1.4 By using this Website, whether or not you make any engagement with any professional listed on the Website, means that you have understood and accepted these Terms.
2. Defined Terms
Insurance 4 Business means the list of Subscribers and details appearing on the Website.
Intellectual Property Rights means all patents, registered and unregistered designs,copyright, trademarks, know-how and all other forms of intellectual property wherever in the world enforceable.
Subscriber means any insurance broker or other professional accepted by Insurance 4 Business to be a Subscriber and whose name and details and information appears on the Website
Website means www.insurance4business.org.uk or such other Website as Insurance 4 Business might use in connection with the publications of a website
Website Information means name, address, telephone number, email address, training, qualifications and experience, areas of insurance, fees, membership organisations and proof of professionalism (proof of membership with a professional body or proof of qualifications and insurance cover).
Website User means a person using the Website
3. Website Use
3.1 You accept that the Insurance 4 Business and all information published on it is purely a directory of insurance brokers and other professionals, published for information to the public and does not in any way constitute a reference, validation or in any way an endorsement of any information to You, the Website User or any recommendation or endorsement of the Subscriber or services offered by the Subscriber. An entry does not mean Insurance 4 Business endorses the qualifications or professionalism of the Subscriber.
3.2 You accept that the Website Information is information provided by the Subscribers to the Website. Whilst Insurance 4 Business will use all reasonable endeavours to ensure that the Website Information is correct and up to date at the time, and will carry out a check of Website Information given at the time subscription initially begins, the liability for providing accurate Website Information remains on the Subscriber to the Website and Insurance 4 Business specifically and expressly does not accept any liability for the accuracy of the Website Information.
3.3 You accept that it is Your duty to verify the Website Information before relying on it.
3.4 You further accept that Insurance 4 Business shall bear no liability or responsibility for advice or insurance given by any Subscribers or actions taken by You as a result of that advice or insurance.
3.5 Insurance 4 Business is not responsible for any content or information published or Links to other website which may appear on the Website.
3.6 The information displayed by Insurance 4 Business on the Website is a directory for information only. It is not intended in any way to be a substitute for medical advice or the advice of any other healthcare professional. Insurance 4 Business is not responsible for any decisions or diagnoses which might claim to come by based upon any content published on the Website.
3.7 You expressly agree that you will not sell or trade in any materials on the Website or re-distribute these in any way or for any purpose including the compiling of any databases, lists or directories or providing commercial information to any third party or any commercial or other reason.
3.8 You agree that the Website is provided for personal use only for those wishing to engage the services of a Subscriber. You agree not to use the Website for commercial purposes including contacting Subscribers to promote your goods or services.
3.9 Insurance 4 Business shall not be liable for any interruption or temporary or otherwise shut down of the Website or any omissions, interruptions, suspension or deletion of emails.
3.10 Insurance 4 Business does not guarantee the security of any information transmitted over the Internet.
3.11 You accept that any telephone numbers listed on this Website may be recorded for security purposes.
4. Intellectual Property
4.1 You accept that ownership of all Intellectual Property Rights remain with the Subscriber to the Website and cannot transfer to you or Insurance 4 Business under any circumstances.
5. Complaints Procedure
5.1 Notwithstanding that you accept that Insurance 4 Business has not validated, endorsed or accepted liability for the Website Information, if you have any matters which you would wish to bring to Insurance 4 Business following your contact with any of the Subscribers, these may be put forward to Insurance 4 Business. You also understand that, should Insurance 4 Business receive any complaint from You, Insurance 4 Business is entitled to request further information from You, but is not under any obligation to investigate further or to take any particular action, or at all, against the particular Subscriber. Insurance 4 Business shall have the right to send a copy of any complaint to the Subscriber concerned, and have the right to remove a Subscriber.
WEBSITE SUBSCRIBERS
1. General1.1 Memiah Limited operates an online directory for professional insurance brokers and trades under the name Insurance 4 Business (hereinafter "Insurance 4 Business").
1.2 These Terms and Conditions ("Terms") govern the relationship between you the Insurance Broker or other professional ("You") and Insurance 4 Business.
1.3 By submitting your profile to Insurance 4 Business you agree to be bound by the Terms.
1.4 The Terms shall apply throughout the period during which You subscribe to the Insurance 4 Business.
2. Defined Terms
Insurance 4 Business means the list of Subscribers, Website Information and details appearing on the Website.
Intellectual Property Rights means all patents, registered and unregistered designs, copyright, trademarks, know-how and all other forms of intellectual property wherever in the world enforceable.
Subscriber means any insurance broker or other professional accepted by Insurance 4 Business to be a Subscriber and whose name and details and information appear on the Website
Website means www.insurance4business.org.uk or such other Website as Insurance 4 Business might use.
Website Information means name, address, telephone number, email address, training, qualifications and experience, areas of insurance, fees, membership organisations and proof of professionalism (proof of membership with a professional body or proof of qualifications and insurance cover) as referred to at clause 4.2
Website Terms and Conditions mean the terms and conditions between Insurance 4 Business and the Website User as appearing from time to time on the Website
Website User means a person using the Website
3. The Contract
3.1 These Terms constitute the contract between You and Insurance 4 Business. By subscribing to the Insurance 4 Business Website, You are deemed to accept The Terms.
3.2 The Terms, together with any document referred to therein, contain the entire agreement between You and Insurance 4 Business.
3.3 Insurance 4 Business can make changes to The Terms in its sole discretion and notify You of these changes. Continuing to subscribe to the Insurance 4 Business Website after notification means that you have understood and accepted these Terms.
4. Website Use
4.1 You and Insurance 4 Business accept that Insurance 4 Business is purely a directory of insurance brokers and other professionals, published for information to the public and does not in any way constitute a reference, validation or endorsement of You, the subscriber or your business.
4.2 In order to subscribe to the Insurance 4 Business, You must provide your up to date name, address, telephone number, email address, training, qualifications, experience, areas of insurance, and proof of professionalism ("the Website Information"). By providing this Website Information, You are agreeing that it can be made available to the public via Insurance 4 Business, that it is up to date and correct, and that You will continue to monitor it and keep it up to date.
4.3 You agree the Website Information that You provide for inclusion on the Website will be accurate at the time it is given and will, amongst other things, include all accurate and relevant qualifications together with an indication of insurance cover, or alternatively details of registration with a professional body. Further, You agree that any qualifications You send to Insurance 4 Business for verification were not gained through a long distance learning course. If You are an organisation rather than an individual, the relevant information to be given will be the same nature of information as it relates to a member or members of that organisation.
4.4 You agree that you will maintain the Website Information and ensure that it is up to date at all times. Should there be any change in any of the Website Information, You agree that You will advise Insurance 4 Business of the change within 7 days of the change being effected. Further, you agree that You will advise Insurance 4 Business if any complaint is, or ever has been, made against You.
5. Cookies Policy
6.1 Insurance 4 Business uses cookies to collect and store information about your usage on the Website. A cookie is a small piece of text stored on your computer by your web browser. A cookie collects and stores information such as your IP address, browser type, date of your request etc., and sends this information back to Insurance 4 Business when You access the Website. Insurance 4 Business cookies do not contain any personally identifying information, however they do allow Insurance 4 Business to load your personal settings e.g. when You log into the Members' Area. They also allow Insurance 4 Business to record how You use the Website by collecting site traffic patterns, maintaining log files of users' access to site files and collecting information on any searches made on the Website. This allows Insurance 4 Business to enhance the service and improve your online experience. Most web browsers automatically accept cookies by default, but there is an option to turn off the cookie acceptance if you'd prefer. However if You choose to turn off the cookie acceptance, You may not be able to log into the Members' Area or access the service. If You need to enable cookies on your browser, click here.
6. Further Information on the Website and Links
8.1 In addition to your Website Information and any other specific information, You are entitled to publish articles, advertise events, seminars or workshops, and publish information of promotions or special offers once registered on the Website. Insurance 4 Business reserves the right to decide not to publish this information. You agree that the information will be accurate at the time it is given and should there be any change in any of the information, You agree that You will advise Insurance 4 Business of the change within 7 days of the change being effected.
8.2 Insurance 4 Business is not responsible for any content or information published, or Links to other website which may appear on the Website.
8.3 You expressly agree that you will not sell or trade in any materials on the Website or re-distribute these in any way or for any purpose including the compiling of any databases, lists or directories or providing commercial information to any third party or any commercial or other reason.
7. Rights of Insurance 4 Business to remove Website Information
9.1 In the event Insurance 4 Business receives any complaint by a Website User, which, upon reasonable enquiries appears in Insurance 4 Business's sole discretion to be genuine, Insurance 4 Business may refer the matter to You for your input, or may without reference to You, remove your Website Information.
9.2 In the event Insurance 4 Business is notified that You have not updated and properly monitored the Website Information appropriately under these Terms, Insurance 4 Business may, in its sole discretion, remove your Website Information.
8. Limitation of liability
10.1 Insurance 4 Business expressly excludes all responsibility and liability for the accuracy or otherwise of the Website Information and shall have no liability whatsoever in the event that a Website User shall claim to be misinformed or suffer any loss or costs or hardship as a result of relying on acting upon the information provided by You and appearing on the Website.
10.2 Notwithstanding the generality of the above clause, Insurance 4 Business shall specifically not be responsible for the accuracy or otherwise of the Website Information, the updating of it or the content in any way. Which shall at all times remain Your liability.
10.3 Insurance 4 Business shall not be liable for any interruption or temporary or otherwise shut down of the Website or any omissions, interruptions, suspension or deletion of any files or Website Information. Furthermore Insurance 4 Business shall not be liable in any way for any indirect or consequential loss resulting from the Website Information published on Insurance 4 Business.
10.4 Insurance 4 Business does not guarantee the security of any Website Information or any other information transmitted over the Internet pursuant to Your subscription.
9. Website Terms and Conditions
11.1 You acknowledge that Insurance 4 Business maintains its own Terms and Conditions on the Website to be used by members of the public and all users of the Website (Terms and Conditions - Website Users), including people specifically looking for insurance brokers or other professional people, or people merely browsing the Internet. By subscribing to the Website, you acknowledge that you have read these Terms and Conditions and agree to conduct yourself and your part of the Contract in a manner so as to allow those Terms and Conditions to be complied with.