DEFINITIONS
In these Terms and Conditions unless the context otherwise requires:
“Our”, “us” or “we” means Folgate Underwriting Agency Ltd (Folgate).
“Insured” means the insured under a contract of insurance.
“Authorised transactions” are transactions or communications which are either in fact conducted and authorised by You or by an authorised third party on Your behalf or which we are entitled to assume are authorised pursuant to these Terms and Conditions.
“Contract of insurance” means a concluded contract of insurance obtained through Your use of this site.
“Terms and Conditions” means these terms and conditions.
“You” or “Your” means you, the person(s) accessing this site and where the context so requires, includes any party on behalf of whom you use this site.
“Website” means this website and internet trading platform.
GENERAL
These Terms and Conditions set out the terms on which You may make use of this Website under the domain name www.folgateltd.com, whether as a guest or a registered user. Please read these Terms and Conditions carefully before You start to use the Website.
By using the Website, You indicate that You accept these Terms and Conditions and that You agree to abide by them including (without limitation) those terms relating to the use of Your personal data in accordance with the terms of our Privacy Policy. If You do not agree to these Terms and Conditions, please refrain from using the Website.
We reserve the right to change these Terms and Conditions from time to time. You agree to be bound by the version of these terms which appears on the site at the time of Your access.
Accordingly, You should check these Terms and Conditions every time You access the site.
INFORMATION ABOUT US
Folgate Underwriting is a trading name of Folgate Underwriting Agency Ltd registered in England and Wales No. 2852425 Authorised and regulated by the Financial Conduct Authority under reference number 304782. Registered Address: 80 Leadenhall Street, London, EC3A 3DH.
TRADEMARKS
QuoteMac is a registered trade mark and is the insurance internet trading platform of Folgate Underwriting Agency Ltd.
JURISDICTION
We control and operate the Website from England and the information delivered via the Website is deemed to have been delivered in England. Folgate make no representation that the material contained in the Website is appropriate for use outside the United Kingdom and Europe.
This Website is not directed to any person in any jurisdiction where (by reason of that person’s nationality, residence or otherwise) its’ publication or availability is prohibited. Persons to whom such restrictions apply must not access this Website. You shall be solely responsible for any legal proceedings or other consequence which may arise from You choosing to access this Website from outside the United Kingdom and Europe.
This Website and any transactions effected through it shall be governed by English Law. The English Courts shall have exclusive jurisdiction in any legal proceedings.
All products are subject to availability and may be withdrawn or amended at any time prior to conclusion of a contract of insurance.
AVAILABILITY AND ACCURACY
We will keep the information on the Website as accurate and up-to-date as possible but no warranty or representation (express or implied) is given regarding the accuracy of any information contained on the Website, and any such warranty or representation is excluded to the fullest extent permitted by law.
While the Website is scanned for and protected against viruses, the success of this is not guaranteed. No warranty is given by Us as to the freedom of the Website from defects, viruses, malicious programs, macros or any other material which is likely to cause harm to Your or anyone else’s computer systems.
We accept no liability in contract, tort or otherwise including negligence for:
- inability to gain access to the Website as a result of routine or emergency maintenance on the system and/or excessive demand for the Website; and/or
- delay or failure in transmitting or receiving material.
INTELLECTUAL PROPERTY RIGHTS
All material contained on the Website are proprietary to Folgate or its third-party licensors and all intellectual property rights on the Website are reserved to Folgate or its third-party licensors. Folgate grants You a limited licence to access any part of the Website You are authorised to access and print off pages from it.
Folgate also grants registered users a limited licence to access any part of the site and print off pages from the internet trading platform insofar as is necessary to obtain quotes, effect a contract of insurance (including printing a full copy of the relevant policy), or utilise the other functions made available to You by the Website.
You must not:
- copy, tamper or alter, distribute or use any material or design contained within the Website except as is expressly permitted by these Terms and Conditions or with Our prior written consent; and/or
- re-use any content of the Website for any other purpose whatsoever.
LINKS TO OTHER WEBSITES
We do not accept any responsibility for the contents of any third-party website that may be linked to the Website by way of hypertext link or other means of reference. You must not link the Website to any other site without Our prior written consent.
SECURITY AND USE OF PERSONAL DATA
We take all reasonable steps to ensure that any information You provide via e-mail and / or via the Website is kept safe and secure‚ however with the nature of the internet‚ the security of emails cannot be guaranteed. The privacy of Your data in such email correspondence cannot therefore be guaranteed. There is no guarantee that any emails You send to Us will be received by Us.
We process information about You in accordance with Our Privacy Policy. By using the Website, You consent to such processing and You warrant that all data provided by You is accurate. Additional information regarding the use and security of personal data is available in our Privacy Policy.