Terms and Conditions

Please read the details set out below carefully before using this website (the "Site"). By accessing this Site, you agree to be bound by the following terms and conditions and disclaimers (the "Terms").

References to 'you', 'your' and 'yours' are references to the person(s) accessing the Site. References to 'we', 'us' and 'our' are references to Insuredirect.co.uk, and our chosen partners.

Terms

All our products and services are subject to the terms and conditions and disclaimers of the various specialist insurance providers chosen as partners of Park Place Insurance.

These Terms are to be read by you together with any terms, conditions and disclaimers provided in the pages of the Site. In particular, these Terms must be read in conjunction with the Terms of Business Agreements for the products available in this site. In the event of any conflict, the terms, conditions and disclaimers provided in the pages of the Site shall prevail over these Terms.

The information, material and content provided in the pages of the Site may be changed at any time without notice. Changes may be made to the Terms at any time without notice by updating this posting. You agree to review the Terms regularly and your continued access to or use of the Site will mean that you agree to any changes.

No Offer

Neither the information, nor any opinion contained in our Site constitutes an offer to sell or solicitation or an offer to buy any financial instruments or any advice or recommendation with respect to such financial instruments.

Users

The Site is currently intended for those who access it from within the United Kingdom. Because of this we cannot guarantee that the Site or the information thereon complies with or is appropriate for use in other places. You are wholly responsible for use of the Site by any person using your computer and you must ensure that any such person complies with these Terms.

No Warranties

The following clauses exclude or limit our legal liability for the Site. You should read them carefully.

Whilst we have taken reasonable steps to ensure the accuracy, currency, availability, correctness and completeness of the information contained on the Site, information is provided on an "as is", "as available" basis and we do not give or make any warranty or representation of any kind, whether express or implied. The use of the Site is at your sole risk.

We shall not be liable for any loss or damage whatsoever and howsoever arising as a result of your use of or reliance on the information contained on the Site to the maximum extent permitted by law.

We do not represent or warrant that the Site will be available and meet your requirements, that access will be uninterrupted, that there will be no delays, failures, errors or omissions or loss of transmitted information, that no viruses or other contaminating or destructive properties will be transmitted or that no damage will occur to your computer system. You have sole responsibility for adequate protection and back up of data and/or equipment and for undertaking reasonable and appropriate precautions to scan for computer viruses or other destructive properties.

We make no representations or warranties regarding the accuracy, functionality or performance of any third party software that may be used in connection with the Site.

Third Party Sites and Warranties

Where we provide links to other locations on the Internet, we do so for information purposes only. We are not responsible for the content of any other websites or pages linked to or linking to this Site. We have not verified the content of any such websites. Following links to any other websites or pages shall be at your own risk and we shall not be responsible or liable for any damages or in other way in connection with linking. Links to downloadable software sites are for convenience only and we are not responsible or liable for any difficulties or consequences associated with downloading the software. Use of any downloaded software is governed by the terms of the licence agreement, if any, which accompanies or is provided with the software.

No endorsement or approval of any third parties or their advice, opinions, information, products or services is expressed or implied by any information on our Site.

Internet E-mail

Messages sent over the Internet cannot be guaranteed to be completely secure as they are subject to possible interception or loss or possible alteration. We are not responsible for them and will not be liable to you or anyone else for any damages or otherwise in connection with any message sent by you to us or any message sent by us to you over the Internet.

Trade Marks and Copyright

Copyright in the pages screens, information and material in their arrangement included in this Site is owned by or licensed to Park Place Insurance unless otherwise noted. You may imprint, copy, download or temporarily store extracts from our Site for your personal information or when you use our products and services. You must not alter anything. Any other use is prohibited unless you first get our written permission. In particular no one may use a part of our Site on any other website, or link any other website to our Site, without our prior written permission.

Data Protection

We may as a result of your interaction with the Site hold and process personal information obtained about you when you access the Site and use it for servicing our relationship with you, for the purposes of fraud prevention and debt collection, to understand your financial needs, to conduct our business and to provide you with better customer services and products from Park Place Insurance and those of selected third parties, to evaluate the effectiveness of our marketing of the Site and for statistical analysis. We may pass this information to agents, as permitted by law, so that they may do the same and they may pass information held by them about you to us so that we may do the same. We will not disclose any such information outside of Insuredirect.co.uk except for fraud prevention purposes and/or if required/obliged by law or Governmental or judicial bodies or agencies or to our regulators under proper authority, or under a strict code of secrecy to sub-contractors or persons acting as our agents or where we have your consent or have previously informed you.

We may also in connection with the above and the provision of the Site transfer your personal data to countries outside the European Union (EU) which may not provide the same level of protection for personal data as within the EU. However, all personal data wherever it is held in Park Place Insurance or by its sub-contractors or agents will be afforded a high level of protection against any authorised or accidental disclosure, access or deletion. By agreeing to these Terms you agree to such data being so used and that it may be transmitted to others as stated above.

Governing Law

The Terms are governed by and interpreted in accordance with the laws of England and Wales and the courts of the above jurisdiction will have non-exclusive jurisdiction in respect of any dispute, which may arise.

Downloading Information

Any material and/or data downloaded or obtained through the use of this website or any of the websites mentioned in this website is at your own discretion and risk, and you will be solely responsible for any damage to your computer systems or loss of data that results from the downloading of such material and/or data.

This insurance website contains intellectual property and other rights and must only be used in connection with obtaining insurance in accordance with the notice provisions.

Our Information

Park Place Insurance Services Ltd is authorised and regulated by the Financial Conduct Authority. Our Registered number is 306013 and details can be checked by visiting the website of the Financial Conduct Authority www.fca.org.uk