TERMS OF BUSINESS for Pavey Group

Pavey Group Privacy Policy

Privacy Statement

The Pavey Group, Insurance Brokers and Independent Financial Advisers, is committed to protecting your personal information and other data provided to the Pavey Group via this web site. Please read this Privacy Policy carefully as it contains important information about the use of any information you provide to the Pavey Group via this web site. This Privacy statement explains what information the Pavey Group collects about you, and how it uses your information, including setting out the circumstances where the Pavey Group could provide it to third parties. No information collected by us on this site will be sold, rented or loaned except as expressly stated in the Privacy Policy and consented to by you.


You should also read the separate Pavey Group Disclaimer and Terms of Use that are applicable to this web site.

Because of the financial nature of the Pavey Group’s business, the Pavey Group’s products and services are not designed to appeal to or to be sold to persons under the age of 18. Therefore, the Pavey Group does not knowingly attempt to solicit or receive any information from children.

All personal information given to us through this site will only be held and used with care and in accordance with this policy and the Data Protection Act 1998.

Use of Information

We will not collect any information about individuals, except where it is specifically and knowingly provided by you.

The information collected will be used by us to provide you with details of opportunities in the market place as well as to develop this site to be useful to you and enable us to provide further services on this site in the future. We may also wish to provide you with news and information about goods and services which may be of interest to you.

We do not sell or share any information about you as an individual user of this site, although we may pass the information to another party solely to enable them to provide quotations for the insurance / service you have requested. In the event that we sell or buy any business or assets, we may disclose your personal data to the prospective seller or buyer of such business or assets.

We may disclose your personal information to third parties if we are under a duty to disclose or share your personal data in order to comply with any legal obligation.

Links to Other Sites

We may from time to time establish relationships with other companies that will enable you to access the websites of such companies directly from our site. Each individual company operates its own policy regarding the use of personal data. If you have a particular interest or concerns regarding the way your data will be used then you are advised to read the Privacy Statement on the relevant site.

We will try to provide you with links to high quality, reputable sites which we believe will be of interest and relevant to you, but please note that such third party sites are not under our control and we do not contribute to the content of such websites. When you click through to these sites you leave the area controlled by us. We cannot accept responsibility for any issues arising in connection with either the third party’s use of your data, the site content or the services offered to you by these sites.

Your Rights

In addition to these policies your personal data is protected in the UK by the Data Protection Act 1998. Under this Act we will only process any data we hold about you in a lawful and fair manner. We will keep your data secure to prevent unauthorised access by third parties.
At each stage, you will be able to see what information we ask from you, such as your name and contact details, and information relating to your specific enquiry. If you contact us otherwise than via our website, we may keep a record of that correspondence.

The information you provide us with may be shared with employees throughout the Pavey Group, in order to deal with your enquiry or request.

It is entirely up to you as to whether or not you choose to provide us with any personal information. If you choose not to, we simply may not be able to assist you.

Pavey Group may, use your information to recommend other products or services to you and may contact you by letter, telephone or e-mail to inform you about these other products and services which may be of interest to you. To exercise your right to ‘opt out’ of this service, please contact the Pavey Group via the link shown below.

Transmission of Data & Cookies

We do not use cookies for collecting user information from the site.

Unfortunately, the transmission of information via the internet is not completely secure. Although we will do our best to protect your personal data, we cannot guarantee the security of your data transmitted to our site; any transmission is at your own risk.

Your Consent

You acknowledge and agree that:

In the course of registering or using this Web Site and any services offered via this Web Site, certain information about you will be captured electronically (including sensitive personal data where required, but this will be subject to you giving your explicit consent in such cases) or otherwise and transmitted to the Pavey Group or and, potentially, to any third parties as set out above, or to third parties who host the Pavey Group’s web servers or assist the Pavey Group in maintaining this Web Site; and by using this Web Site, you expressly agree to the collection and use of your information for the purposes set out in this Privacy Policy.


Changes to Privacy Policy

The Pavey Group reserves the right to add to or change the terms of this Privacy Policy at its sole discretion, without prior notice to you. If the Pavey Group changes this Privacy Policy, the Pavey Group will post the new Privacy Policy on the Web Site, and it will become effective from the time of posting to the Web Site. Please visit the Privacy Policy on a regular basis to make sure you have read the latest version and to understand what the Pavey Group does with your information. Wherever possible, the Pavey Group will give you notice of any changes prior to their implementation.
 

Disclaimer & Terms of Use

 

Disclaimer

Pavey Group is providing this site for general information only and makes no representation or warranties of any kind with respect to the site or its contents. In addition, Pavey Group makes no representations or warranties about the accuracy, completeness or suitability for any purpose of the information and related graphics published in this site. The information contained in this site may contain technical inaccuracies or typographical errors. All liability of Pavey Group howsoever arising for any such inaccuracies or errors is expressly excluded to the fullest extent permitted by law.

Please read these Pavey Group Terms of Use carefully. They are a legal document and, by your continued use of the Web Site, you agree to be bound by these Pavey Group Terms of Use.

If you do not agree with these Pavey Group Terms of Use and do not wish to be bound by them, please exit this Web Site and do not use the Web Site in the future.

Law

Pavey Group have established this website in England. English Law shall govern its use at all times and, in the event of a dispute, relevant parties shall irrevocably submit to the exclusive jurisdiction of the English Courts.

Our Liability

Neither Pavey Group nor any of its directors, employees or other representatives will be liable for loss or damage arising out of or in connection with the use of this site; or for loss or damage arising if this website becomes unavailable or is suspended for any reason. 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 of or damage to property and claims of third parties.

None of the exclusions and limitations in this document are intended to limit any rights you may have as a consumer under local law or other statutory rights which may not be excluded nor in anyway to exclude or limit Pavey Group’s liability to you for death or personal injury resulting from Pavey Group’s negligence or that of Pavey Group’s employees or representatives.

Pavey Group will endeavour to ensure that this website is accessible for 24 hours a day. However, Pavey Group will not be liable, if for any reason, the website is unavailable at any time or for any period. You are responsible for making all arrangements necessary for you to have access to this website. You are also responsible for ensuring that all persons who access this website through your internet connection are aware of these Terms of Use, and that they comply with them.

Security

Pavey Group will take all reasonable steps to ensure that any personal information you provide is kept secure (information that you submit to us using our Web Site forms, will be forwarded to us via a dedicated email address). However, because of the nature of the Internet, and the fact that it is not a secure system, Pavey Group cannot and do not guarantee that personal information you provide will not be intercepted by others. Consequently your privacy cannot be guaranteed.

You must not misuse this website by knowingly introducing viruses, Trojans, worms, logic bombs or other material which is malicious or technologically harmful. You must not attack this website via a denial-of-service attack or a distributed denial-of-service attack. By breaching this provision, you would commit a criminal offence under the Computer Misuse Act 1990 and the Police and Justice Act 2006. We will report any such breach to the relevant law enforcement authorities and we will co-operate with those authorities by disclosing your identity to them. We will not be liable for any loss or damage caused by a distributed denial-of-service attack, viruses or other technologically harmful material that may infect your computer equipment, computer programs, data or other proprietary material due to your use of this website or to your downloading of any martial posted on it, or on any website linked to it.

Consent to Use of your Personal Information

For the purposes of the Data Protection Act 1998, you acknowledge that in the course of registering and using this Web Site and the Web Site services, certain personal information or data about you will be captured electronically or otherwise and transmitted to the Pavey Group. By accepting these Pavey Group Terms of Use, you expressly agree to transfer such personal information or data to the Pavey Group to use, store and process the personal information in accordance with the provisions set out in the Pavey Group Privacy Policy.

Under the Data Protection legislation, you have a right of access to your personal information held by the Pavey Group, for which you may be charged a fee.

Links

Linking to our site:
Our site must not be framed on any other site without our express prior written permission. You must not establish a link from any website that is not owned by you and we reserve the right to withdraw linking permission without notice.

You may link to our home page, provided you do so in a way that is fair and legal and does not damage our reputation or take advantage of it, but you must not establish a link in such a way as to suggest any form of association, approval or endorsement on our part where non exists.


Links to Third Party Websites:

This Web Site may contain links to third party web sites which are controlled and operated by parties other than the Pavey Group. The link will let you leave the Web Site and Pavey Group is not responsible for any contents of any linked web site or any link contained in a linked web site. The inclusion of any link on the web site does not imply endorsement by Pavey Group of the linked web site or product or services offered via the linked web site. If you decide to access linked third party web sites, you do so entirely at your own risk.


Ownership

Unless indicated to the contrary, all materials on this website including design, text, graphics and photographs are the copyright of Pavey Group. Pavey Group is the owner of the trade marks appearing on this website and all associated trade names, logos and devises unless indicated to the contrary. All other trade marks, logos and names appearing on this website are the property of their respective owners, as indicated. No permission is given by their respective owners for their use of any of them and such use may constitute an infringement of the owner’s rights.


General

Prices, and details, of products and services posted online are subject to change without notice. All products and services are subject to availability and we give no guarantee in this regard. The provision of details of products and services on this website are not, and should not be construed as, an offer to sell or buy such products or services by the relevant company.

Unless otherwise specified on this Web Site, Pavey Group Materials available on this Web Site are directed solely at those who access the Web Site from the United Kingdom. Pavey Group makes no representation that any Pavey Group Material is appropriate for use elsewhere, or available in other locations. Those who choose to access this Web Site and the Web Site services from any other location are solely responsible for compliance with English laws and regulations if, and to the extent, that they are applicable.

Pavey Group reserves the right to add to or change the Pavey Group Disclaimer and Terms of Use in its sole discretion without prior notice to you. All changes to this document will be effective once posted on the Web Site. Pavey Group will provide notice of the changes to this document for a reasonable time after posting the amended Pavey Group Disclaimer and Terms of Use on the Web Site. Your continued use of the Web Site or Web Site services following Pavey Group’s posting of such changes will be regarded by Pavey Group as your acceptance of the amended Pavey Group Disclaimer and Terms of Use. If you do not agree to be bound by the amended Pavey Group Disclaimer and Terms of Use you should exit the Web Site and not access or use the Web Site in the future.

 

The Financial Services Authority
 

The FSA is an independent watchdog that regulates financial services. It requires us to give you certain information, some of which is contained within this document. You should use this document to help you decide if our services are right for you.

Our Service

In arranging insurance for our customers, we act as an Independent Intermediary. Our service includes advising you and assessing your insurance needs, arranging your insurance cover with insurers to meet your requirements and helping you with any ongoing changes you have to make. We can also assist you with making a claim.

IMPORTANT - to ensure that your insurance is renewed, payment of the premium must be tendered by you before the expiry date of the policy. No days of grace are given, unless specifically arranged and agreed by your insurer. Certain documentation will not be released to you until payment of the premium has been made in full.

Please note that our Uninsured Loss Recovery Scheme and Breakdown cover are not insurance products and are not covered by Financial Services Authority (FSA) Regulations. We will give you full details of any such arrangements before you make any commitment on any product we offer you.

What will you have to pay us for our services?

We will provide you with full details of any charges we may make prior to incurring them. A copy of our current tariff of charges will be provided for you if requested. If you are a Commercial Customer, you may request details of commissions we receive for placing insurance with Product Providers. We also receive revenue based on the volume/profitability of insurance placed with a given insurer over a specific period. These payments recognise the services that we provide to the Insurer over the given period and are not directly related to the service we provide you.

Who regulates us?

Michael Pavey Ltd of Berwyn House, 70-72 Abbey Road, Torquay TQ2 5NH is authorised and regulated by the Financial Services Authority. Our FSA Register Number is 308106. Our permitted business is:

You can check this information on the Financial Services Authority's Register by visiting their website at www.fsa.gov.uk/register or by contacting the Financial Services Authority on 0845 606 1234.

Through this regulation we are covered by the Financial Services Compensation Scheme (FSCS). You may be entitled to compensation from the scheme if we cannot meet our obligations. This depends on the type of business and the circumstances of the claim. Further information about compensation scheme arrangements is available from www.FSCS.org.uk.

If you have a complaint

We are committed to providing you with an exceptional level of service and customer care. We realise that things do go wrong and there may be occasions when you feel that we have not provided the service you expected. If you feel you have cause for complaint, write, telephone or call into the office that arranged your insurance. Advise our staff of the situation and be prepared to give them: -

Our aim will be to resolve your complaint within one working day of receiving all the above information. Where that is not possible, we will write to you within five working days and: -

If, when you receive our response, you are still unhappy, please confirm your reasons in writing to the local branch director to consider the matter further. The local director will then either offer you an alternative solution or send you a final decision letter. When we write to you with our final decision, we will enclose a leaflet telling you how to contact the Financial Ombudsman Service, or independent arbitrator, should you still be unsatisfied.

The FOS is an independent body that arbitrates on complaints about general insurance products and other financial services. It will only consider your complaint if: -

Note that you have six months from the date of our final response in which to refer your complaint to the FOS. Referral to the FOS will not affect your right to take legal action.

Your duty as a client

It is your responsibility to provide complete and accurate information to insurers at inception, throughout the life of your policy and when you renew. Failure to disclose information or any inaccuracies in information given could result in your insurance policy being invalid or cover not operating fully. It is important that you ensure all statements you make on the proposal forms, claim forms, and other documents are full and accurate. If a form is completed on your behalf, you should check that the answers shown to any questions are true and accurate before signing the document. If you are in any doubt about whether information is material, you should disclose it.

When a policy is issued you are strongly advised to read it carefully, as it is that document, the schedule and any Certificate of Insurance, which is a legal contract. If you are in doubt as to any of the policy terms or conditions, please seek our advice promptly, as any breach of any terms and conditions or warranties may enable your insurer to terminate your policy from the date of that breach and/or repudiate a claim under your policy.

Confidentiality

We will treat all your information as private and confidential to us and anyone else providing your insurance even when you are no longer a customer. We will not give anyone else personal information about you except: -

Under the Data Protection Act 1998, your have the right to see personal information we hold about you on our records. You may request a copy of our records by sending a written request to us. Due to the administration involved, we reserve the right to charge a fee, which will be dependent upon the amount of work involved, but will be capped at £25 for this service.

Premiums and Financial aspects

Premiums that we collect from you will be segregated into and held in a Client Money Bank Account, which is set up as a trust governed by FSA rules. The client money will be held by us as trustee on your behalf. This means that once client money is segregated into the Client Money Bank Account, it falls into our legal ownership but remains in the beneficial ownership of customers whose premiums are deposited in the Account. If we become insolvent, the terms of the trust dictate that customers will have prior claim on the client money in the Account according to their respective interests in the client money. Under some Terms of Business agreements with Insurers as soon as premiums are paid to us by you, they are treated as if you had paid them direct to the Insurer, thereby providing you with a further financial safeguard. We do not pay interest on monies held in the Client Money Account pending payment to the Insurers concerned. We receive commission from the premium that you pay to us. We shall only withdraw commission after we have received the premium from you and in accordance with FSA regulations and agreements that we hold with Insurers. In order to be able to offer you credit facilities, we are registered under the Consumer Credit Act and our Licence No. is 515554. We normally accept a payment by cash, guaranteed cheque or credit/debit cards.

You may be able to spread your payments through insurers' instalment schemes, a credit scheme with a third party finance provider or a facility we have arranged ourselves. We will give you full information about your payment options when we discuss your insurance in detail.