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Please
read Terms of Business & Conditions in the use of Use of this
website
www.iPDAainsurance.co.uk & www.gizmocover.com is a trading
style of Independent Financial Services (GB), a privately owned
mortgage and insurance brokerage services. Located : 63 Meadway,
Rochdale, Lancashire. OL11 3NP from hereon known as ''company''
and the consumer or end user known hereon as ''consumer''.
Transaction between the Company and Consumer will be a
Non-advised basis information is provided so you can make an
informed decision, and the Consumer is rest assured of the
ensuing responsibilities and implications as a Consumer. If in
doubt seek professional financial advice.
If you would like to find out more about Independent Financial
Services (GB) and associated companies please visit "About Us''
Link in the left hand column.
Independent Financial Services (GB) 63 Meadway ,Rochdale,
Lancashire OL11 3NP, is Authorised and Regulated by the
Financial Services Authority (FSA) for regulated insurance and
mortgage activities. Our Firms FSA registration No. is 300740.
FSA registration can be verified by accessing
www.fsa.gov.uk/register or contacting the FSA on tel. 0845 606
1234. The FSA does not afford protection in certain
circumstances. In the case of mortgages i.e. commercial loans
and second charges. Full details can be obtained by unregulated
products accessing www.fsa.gov.uk. Company is covered by
Professional Indemnity Insurance that provides additional
protection. Consumer Credit License No. 540351. Data Protection
No. Z88277628
Locum Agreement: In recognition of the fact that a member
of Independent Financial Services (GB) is not able to conduct
routine mortgage or insurance business. Then in order to ensure
that the interests of you the client(s) are not placed at Risk
it is agreed that the responsibility for 'locum cover' will be
vested to another suitably qualified and professional person at
the discretion of Independent Financial Services (GB).
This website for www.ipdainsurance.co.uk & www.gizmocover.com, is a
online service only, as a company we are giving as low a premium
as possible, therefore no telephone support will be offered
directly by us, to you the consumer. We will outsource any
support to a third party, which may be via telephone and
electronic means.
These Terms and Conditions along with Financial Services
Authority (FSA) Initial Disclosure Document 'Keyfacts' About our
Insurance Services govern your use of our website. We strongly
advise you to read the Terms and Conditions as they form a
contract between the Company and Consumer for use and contents
of our website, and information herewith contained.
As a consumer if you do not agree with these Terms and Conditions,
Financial Services Authority (FSA) Initial Disclosure Document 'Keyfacts'
About our Insurance Services please do not use Company web-site,
please EXIT with immediate effect. By accessing Company website
you are consenting to have accepted the Terms and Conditions in
full as detailed here.
Consumers attention is also drawn to the Contact Us page and
Company Privacy Policy, Financial Services Authority (FSA)
Initial Disclosure Document 'Keyfacts' About our Insurance
Services, Policy Documents, contents of which contain crucial
information that you should read.
Links are provided on the Home / Index page for Consumer
consideration.
Consumer Duty of Disclosure:Your insurance is based upon
the information provided to the Company, insurer and its agents,
and you must ensure that all such information is complete and
accurate, and any material facts that may influence the
insurer's decision to accept the policy and what terms are
applied must be fully disclosed, if in doubt 'disclose' material
facts. As failure to disclose material information may
invalidate your insurance cover and could result in part or all
of a claim may not be settled by the insurer. In the case of
fraudulent applications and claims legal action may be initiated
against the consumer for any losses incurred via the Company or
insurer.
Company Obligation to You: Company will use reasonable
attempts to maintain Company websites in a professional manner,
and fit for the purpose of online purchasing by the Consumer.
The Company cannot guarantee service standards are sustainable,
the Company cannot accept responsibility for any interruptions
or failures in the operation of Company website or for any
malfunctions that may occur, or for any costs, loss of profits,
loss of data, or consequential losses arising from Consumer use
of this or related company web-sites, or inability to access or
use Company website. Due to circumstances beyond our control
Company do NOT warrant that the information and data accessible
via Company website is accurate, or completely up to date.
However we will take all reasonable measures to provide adequate
service delivery to the Consumer that the contents of the
Company website is accurate and fit for the purpose of use and
functional. Nothing in these terms and conditions shall exclude
the Companies liability for death or personal injury resulting
the Companies negligence.
The company reserves the right to restrict Access to Company
website that may be suspended temporarily or permanently without
further notice. This may be for Company website maintenance, and
upgrading purposes at the discretion of the Company.
Company Disclaimers: Company website, its contents and
references are provided without any representation, term,
condition or warranty of any kind, either express or implied
(and whether implied by law, custom, or otherwise) in respect of
our website and/or its content to the extent permitted by law.
Unless we specifically state otherwise, the information and
content on our website is provided "as is" and with all faults
and you take the entire risk as to satisfactory quality,
performance, accuracy and effort.
Company will be released from our obligations under these Terms
and Conditions, and in the Key facts About our Insurance
Services in the event of any causes beyond our due
responsibility & control, which results in the provision of
Company website not viable or practical in use.
Company exclude to the fullest extent possible under English
Law, and save in respect of death or personal injury arising
from negligence, all liability for any claims, losses, demands
or damages arising directly, or indirectly out of, or in any way
connected with the content, or your use, or inability to access
Company website including without limitation damage to, or
viruses or computer bugs, or server malfunctions which may
affect your computer equipment or other property on account of
your access to, use of, or downloading from Company website.
Company takes no liability for any errors or omissions in the
content of Company website and your use of Company website is
entirely at Consumers own risk. Company do not accept any
liability in respect of losses or damages arising out of changes
made to the content of Company website by unauthorised third
parties and non company members, although we endeavour to place
appropriate security measures, but cannot factor completely for
the unknown.
Consumer acknowledges that you are solely responsible for the
use to which you put Company website and all the results and
information you obtain from it and that all warranties,
conditions, undertakings, representations and terms whether
expressed or implied, statutory or otherwise are hereby excluded
to the fullest extent permitted by law.
Within the remit of the Terms and Conditions herewith shall
exclude, limit or restrict either Company duties to the Consumer
or those of Independent Financial Services (GB) under the
Financial Services and Markets Act 2000 and any subsequent
amending or replacement legislation which regulates the carrying
out financial service activities as a intermediary in Great
Britain, or any conduct of business rules which we are bound to
comply with, and Data Protection regulations.
Company does not endorse, or verify the contents of third party
websites and links, due to the nature of the World- Wide -Web is
often beyond the Companies control. We request consumers to
exercise caution, and 'buyer be ware'
Company Rights reserved: Company reserves the right to
amend herewith Terms and Conditions and content of Company
website(s) for whatever reason at any time, including denial of
access, and at the Companies sole discretion at any time and
without notice or prejudice. Your use of this website after a
change has been posted will be deemed to signify your acceptance
of the modified terms and conditions. We recommend that you
print off and retain for your records a copy of these terms and
conditions from time to time and a copy of any terms and
conditions relating to any product or service which you apply
online, together with ay related application form completed and
submitted. Consumer will be bound by such amendments and
upgrades, and Consumer highly recommended that you regularly
visit this page and contents of this website and policy
documents to read Companies current Terms and Conditions on a
regular basis. Any amendments to terms and conditions must be
agreed in writing by us, if appropriate, by the relevant company
with whom you contract.
Copyright, Other Intellectual Property Rights and Licence &
Agreements: All Company Website content, unless for the
personal transactional use of the Consumer may not be used for
Commercial utilisation for profit or non profit without the
Companies written permission. All such Copy Right and
Intellectual rights are reserved by the Company (including,
without limitation, all database rights, rights in design,
rights in know how, patents, and rights in inventions where
registered or unregistered, content and materials belong to the
company, or its business / commercial partners). Trademarks
displayed in Company website cannot be used without prior
written permission of the owner of the Trademarks.
.
Consumer may not modify or amend Graphics or content Company
website, the contents may not be published, distributed,
transmitted, reproduced without the Companies written consent.
Consumer access to Company Websites:Company will use
contact information from any Consumer to deliver information and
other confirmations to you and to get in touch with you when
considered necessary.
Privacy Policy Online: (Please CLICK
PRIVACY
for full details)
Company Online Security: Safety of Consumer personal
details Company is aware that when the Consumer purchase items
or services online Consumer seek your personal details and your
credit or debit card information to be private and secure.
Company is committed to providing this security for the
Consumer. Company facilities for secure-server encrypts all the
details in your online transaction. The encryption process takes
the characters you enter and converts them into a coded form,
which is then securely transmitted for processing.
Protecting Consumer Information: All personal information
about you the Consumer will be treated as private and
confidential (even when you are no longer a customer), except
where the disclosure is made at your request, with your consent
in relation to administering your insurance and except where law
requires the Company concerned. As part of the Financial Service
Authorites (FSA) duties, the Company may be asked to provide
them with access to Company customer records in order that FSA
may carry out a review of our activities. Also police may obtain
access for legal purposes.
Specific or all of the information you the Consumer supply the
Company in connection with your insurance proposal may be passed
to insurance and other companies for underwriting, claims and
premium collection purposes. Consumer data will be held in
accordance with the Data Protection Act 1998, under which you
have a right of access to see personal information about you
that is held in our records, whether electronically or manually.
If the Consumer has any queries, please write to Mr M. Ashaf at
the above address.
Electronic data: Apart from Consumer personal
information, which is addressed by our
Privacy Policy,
Company will treat any communication or material you send to
Company website electronically, or otherwise, including
financial information but limited to data, questions, comments,
suggestions, or submissions ("your information"), as
non-confidential and non-proprietary. By submitting your
information to our website, you irrevocably agree never to
assert any copyrights, moral rights, or other rights you may
have in such material.
Company may use Consumer information for any purpose, including
but not limited to reproduction, transmission, disclosure,
publication, broadcast and posting for data processing, security
measures and compliance pr
Monitoring telephone calls and electronic communication:Telephone
calls using the telephone numbers provided on this website, and
insurers and their respective agents and electronic mail
correspondence with the Company at the email addresses
accessible through, or discernible from, this website may be
recorded or monitored. By using such communication methods you
are consenting to the recording or monitoring of the same for
security and training purpose and to fulfil training plus
compliance procedures.
Guidance on How to cancel: Consumer may have a statutory
right to cancel this policy within a short period. Please refer
to your policy summary or your policy document for further
details. If you cancel you will receive a pro rata refund of
premium from the insurer. Insurers are also entitled to make an
administrative charge which can be £25 - £35. Company may keep
an amount that reflects the administrative costs of arranging
and cancelling the policy.
If
the Consumer desires to cancel outside this cancellation period
you may not receive a pro rata refund of premium. Company may
also keep an amount that reflects the administrative costs of
arranging and cancelling the policy.
Cancellation Rights (Consumer Clients only): For general
insurance products the Consumer has a right to cancel a policy
within 14 days of conclusion of the contract or receipt of the
policy terms and conditions whichever is the later. If
cancellation notice is received in writing the date of
cancellation will be taken as the date of despatch else it will
be taken as the date of receipt. Company suggests refer to the
insuers policy wording for full details on how to cancel and
what you may have to pay.
Termination of Contract - General Insurance Products: For
general insurance products You, or We, may terminate our
authority to act on your behalf at any time, without penalty.
Notice of this termination by either party must be given in
writing
Company Charges: Company are remunerated arranging
Consumer insurance by the insurer and will disclose the amount,
if asked. Unless we state in our documentation, or agree
separately with you, no fees or service charges are payable in
addition to your insurance premiums. However, Company does
reserve the right to make an administration charge of no more
than £25 for issuing the following documentation: Replacement
policies or certificates in the event of the loss or
misappropriation of the original paperwork & Copy policies or
certificates requested by other parties, such as solicitors or
banks. In the event of a policy being cancelled mid term, and
not replaced by another policy, we may deduct our commission
from any premium rebated by the insurers to cover administration
cost
Consumer Client
Money:
Client or Consumer money is money of any currency that we
receive and hold in the course of carrying out insurance
mediation on behalf of clients. We only hold client monies via
'Risk Transfer Authority' by any relevant insurers. We do not
hold authority to hold Client monies via the FSA. with regards
to certain insurers Company agency agreement with them allows us
to hold the premiums you pay. In relation to retail customers,
it is deemed the Company has your consent that any interest or
exchange gain earned on client money we hold, will be retained
by us if and when this eventuality occurs. The Company may
transfer client money to another broke or agent for the purpose
of effecting the transaction where the Company has utilised
another broker to place the insurance on your behalf.
Consumer Methods of Payment: Company or its agents are
responsible for issuing invoices detailing the premium, taxes
and fees (if applicable) for all new and renewals and mid term
alterations.Consumers are responsible for paying promptly all
invoices to enable us to pay your insurer in respect of your
insurances within the credit terms imposed upon us by insurers.
Please note that we have no obligation to fund any premium,
taxes or fees (if applicable) on your behalf and we have no
responsibility for any loss you may suffer as a result of
insurers cancelling the insurance or taking any other
prejudicial steps as a result of late payment where it is
substantially attributable to you.
We normally accept payments by cheque. It may be possible to
spread payments through a insurers' instalments schemes or the
credit facility arranged with a specialist premium finance
provider, and also via Credit Card payments Personal clients may
also be able to pay by credit card or Debit Card (but the card
holder may charge a administration fee which is beyond our
control)
Return of Consumer
Monies: Return premiums usually arise if an insurance risk is
reduced, or policy cancelled but administration fees of upto £35
may be retained via the Companies discretion.Other Taxes and Costs
May Exists. Other Taxes and Costs May Exist in relation to the products
and services offered which are not implemented by the Company
Complaints: Company desire is to provide a high level of
service at all times. If, however, you have reason to make a
complaint about our service you should contact the Compliance
Officer in writing at the above address or by telephoning 0870
0116928. You may be entitled to refer it to the Financial
Ombudsman Service. You can contact the Financial Ombudsman
Service by telephone on 0845 080 1800 and further information is
available at: http://www.financial-ombudsman.org.uk/ . However
if you do decide to refer any matter to the Financial Ombudsman
Service your legal rights will not be affected. But before
reaching to this stage we will address any problems or
difficulties in an amicable manner, as a Company we value you as
Consumer, and are concerned on making your relation with Company
beneficial and enjoyable. At times matters may not run to
course, or errors or service delivery falls short of our high
standards, and seek to address any issues, and seek to improve
our systems and procedures on a continual basis.
Complaints Procedures.
Complaints, whether verbal or written, will normally receive a
full written response within 28 working days. If additional
information, or consultation with a third party is necessary,
the complaint will be acknowledged in writing within 5 working
days and will include an indication of the time anticipated to
provide a full response.
If the nature of your complaint makes it more appropriate,
Company will refer it to an independent specialist for
investigation within 10 working days and will advise the
Consumer in writing of the fact.
All complaints should be resolved satisfactorily within 28
working days and preferably much sooner - unless Company is
awaiting information from a third party to resolve any matter.
In such a case you will be informed for possible delays.
Comapany will write to you, in plain English, once the Company
has completed its investigation into the Consumer complaint,
explaining Company findings and how the Company reached my
decision/suggested course of action regarding the complaint the
Consumer made.
In the event you are not satisfied with the treatment of the
Consumer complaint, Consumer can complain to the Financial
Ombudsman Service. The details of the procedure and the
Omdudsman's address will be supplied to you at that time, or at
the Consumers earlier request.
The Company maintain Professional Indemnity Insurance for the
Consumers protection. If the Consumer make a valid claim against
us in respect of any FSA authorised and regulated activity
Company are registered, if the Company are unable to meet our
liabilities in full, you may be entitled to readdress through
the Financial Services Compensation Scheme (FSCS). Details of
the cover provided by the scheme are given in a leaflet which we
will send to you at your request. Further information is
available from FSA and the FSCS.
IMPORTANT: Where loans and insurance products are not regulated
by the Financial Services Authority (FSA) the above complaints
process may not be applied, and will be at the discretion of the
proprietor of Independent Financial Services (GB)
Company Compensation arrangements: Company are members of
the Financial Services Compensation Scheme. You may be entitled
to compensation from the scheme if we cannot meet our insurance
obligations. This depends on the type of business and
circumstances of the claim. Insurance advising and arranging is
covered for 100% of the first £2000 and 90% of the remainder of
the claim, without any upper limit. For compulsory classes of
insurance, insurance advising and arranging is covered for 100%
of the claim, without any upper limit. Further information about
the compensation scheme arrangements is available from the FSCS
on 020 7892 7300 or by visiting http://www.fscs.org.uk/
How to claim on your insurance Policy: Please refer to
your policy summary or your policy document if you need to
notify a claim. You should contact the insurer direct as soon as
possible using the contact details provided. If in doubt about
whom you should contact, please contact by e-mail
'info@ifs.gb.com' or write to the address below
Website Analysis: When you visit our company websites, a
certain amount of information is retained regarding the event to
enable us to understand the profile of our visitors, security
and processing and the Consumers consents to retention of this
information.
Security: At Independent Financial Services (GB) we take
security and protection measures as vital to not only safe guard
our interests but that of our clients. We have sophisticated
firewalls in place to safeguard clients personal data from third
party unauthorised access. We take reasonable precautions to
protect your security, but cannot take responsibility for
hacking, viruses, and cookies, and other activities that
compromises our security and is beyond our control
Zero Tolerence:
Company have zero tolerence to abusive, threatening, aggressive
and unreasonable behaviour to members of staff belonging to
Independent Financial Services (GB), we reserve the right to
cease trading activity with any client in any stage of our
relationship with you or related parties. A written notice will
be sent for zero tolerence activities and company principals
decision will be final and non negotiable. This applies to
general insurance products and secured / unsecured loans.
Non Regulated FSA Activities: Independent Financial
Services (GB) also engage in intermediary activities for
products and services NOT regulated by the Financial Services
Authority. You will not be afforded protection or compliance for
such business under the FSA, FSCS and FSO. For further
information visit for regulated activities www.fsa.gov.uk. For
example in the case of certain commercial loans and unsecured
loans Independent Financial Services (GB) act only as an
introducer to product providers, and NO advise is given. Only
generic information. Therefore suitable professional advise
should be obtained before progressing, as no liablity will be
taken what so ever.
Consent to Consumer Contact: For any client to contact
Independent Financial Services (GB) is on the basis the terms of
business have been read and agreed, and allow us to contact the
client.
Severance: The court may strike out or override any part
of these Terms and Conditions, which it considers unfair,
unreasonable, invalid or unlawful (whether an entire clause or
only part of one) and in such cases enforce these Terms and
Conditions as if the offending part had never been contained in
it. The paragraph headings are for information only, and do not
form part of these Terms and Conditions.
Law and Jurissdiction: This Terms of Business agreement
sets out the terms of our relationship with you and is governed
by and construed in accordance with English Law and any dispute
arising under it shall be subject to the exclusive jurisdiction
of the English Courts and specifically Leeds Courts of justiuce.
Unless otherwise agreed between us in writing no term of this
agreement is enforceable under the Contracts (Rights of Third
parties) Act 1999. For the avoidance of doubt, the limit of the
Company's liability will be limited to 1,000,000 in any one
circumstance.
Think
Carefully Before Securing Other Debts Against Your Home. Your Home
May be Repossessed If You Do Not Keep Up Repayments on Your Mortgage
Or any Other Debt Secured On It
Independent Financial Services (GB) is authorised and regulated
by the Financial Services Authority
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