Terms and Conditions

Explanatory Terms

Confident Cover means Confident Services Limited.

Site means the website of Confident Cover.

Service means the service provided by us.

We or Us: means Confident Cover.

You: means you the customer and user.

The service
The service is provided by us for anyone who is resident anywhere in the world. Please remember that your contract for the products and/or service is with the third party supplier and not with us. We may change these terms without notice to you by posting amended terms on the Site.

Our agreement with you
This Agreement constitutes your agreement with Confident Cover with respect to your use of the Service. You must agree to abide by all of the terms and conditions contained in this Agreement in order to become or remain an authorized user of the Service.

Your use of the service
Your right to use the Service is subject to any limitations, conditions and restrictions established by us from time to time. In our sole discretion we may alter, suspend or discontinue any aspect of the Service at any time. We may also impose limits on certain features and aspects of the Service or restrict your access to parts or all of the Service without notice or liability.

Please fully answer all the declaration questions that are asked on the website. It is very important that all the information that you provide is correct and error free as any incorrect information may invalidate your insurance and any claim.

Before purchasing a policy you agree to check the Insurer’s Terms and Conditions, Assumptions and Acceptance Criteria.

You acknowledge that, if you do use the Service in contravention of these terms and conditions, we may terminate your use of the Service without providing you with any prior notice.

Service Availability
We may have to suspend the Service at any time without being able to give you prior notice of this. We will do all that we can to restart the Service as soon as possible in such circumstances. Whilst we will endeavour to minimise the inconvenience caused to you, we cannot be responsible for any financial loss that you may suffer as a result.

Terminating the Service
We may, in our sole discretion, terminate or suspend your access to all or part of the Service at any time, with or without notice, for any reason, including, without limitation, breach of this Agreement. Without limiting the generality of the foregoing, any fraudulent, abusive, or otherwise illegal activity, or that may otherwise affect the enjoyment of the Service or the Internet by others may be grounds for termination of your access to all or part of the Service at our sole discretion, and you may be referred to appropriate law enforcement agencies. Once registered, subject to the above, you may use the Service for as long as you wish.

Limitation of our Liability, Warranties and Indemnity
We accept no liability in contract, tort or otherwise including but not limited to negligence for inability to gain access to the Service as a result of routine or emergency maintenance on the system or excessive demand for the Service.

You acknowledge that we are not responsible for suspension of the Service, regardless of the cause of the interruption or suspension. We may discontinue or change the Service or its availability to you at any time, and you may stop using the Service at any time.

We do not warrant that this Service will be uninterrupted or error-free. There may be delays, omissions, and interruptions in the availability of the Service. Where permitted by law, you acknowledge that the Service is provided without any warranties of any kind whatsoever either express or implied, including but not limited to the implied warranties of merchantability and fitness for a particular purpose. You acknowledge that use of the Service is at your own risk. We do not represent or endorse the accuracy or reliability of any partner, member or supplier profile, advice, opinion, statement or other information displayed, uploaded or distributed through the Service by us, our partners (if any) or any user of the Service or any other person or entity. You acknowledge that any reliance upon any such opinion, member profile, advice, statement or information shall be at your sole risk. You also recognise that any contract entered into as a result of entering this Site is with the supplier of the goods and/or services in question and not with Confident Cover.

We do not represent or endorse the accuracy or reliability of any advice, opinion, statement or other information displayed, uploaded or distributed through the Service.

You agree to indemnify us, our officers, directors, employees and agents, from any loss or damages, including without limitation reasonable legal fees, which we may suffer from your activities on or use of the Service, including without limitation any breach by you of this Agreement or any charges or complaints made by other parties against you. You shall cooperate as fully as reasonably required in the defence of any claim. We reserve the right to assume the exclusive defence and control of any matter otherwise subject to indemnification by you provided, however, that you shall remain liable for any such claim.

Changes we may make to this agreement
We may change these terms and conditions at any time by changing or removing existing terms or adding new ones. We will tell you about any changes by posting an updated version of these terms and conditions on our web site and sending you a message to draw your attention to the new policy. Any change we make applies from the date we post it on our web site.

Data Protection

Please refer to our Privacy Policy.

We may provide you with information by post, telephone, SMS, or e-mail about other products and services which we consider may be of interest to you, unless you contact us or you make use of the regular opportunities that we provide you with to confirm which channels and products you do not wish to use or hear about or unless you tell us you prefer not to receive direct marketing.

Removal of Information
We reserve the right, but are not obligated, to delete information or materials that we in our sole discretion deem to be abusive, fraudulent, or otherwise unacceptable so far as the intention of the Site is concerned.

Governing Law
Confident Services Limited is part of the Saga Group of companies and registered under title number 05124442 with offices at Enbrook Park, Sandgate, Kent CT20 3SE. Confident Services Limited is an Appointed Representative of Saga Services Limited which is authorised and regulated by the Financial Services Authority under registration number 311557. You can check this information by clicking on the following link www.fsa.gov.uk/register. This policy and consent forms part of our website terms of use and as such it shall be governed by and construed in accordance with the laws of England and Wales. You irrevocably agree that the courts of England and Wales shall have exclusive jurisdiction to resolve any dispute or claim of whatever nature arising out of or relating to this policy and consent or otherwise to the use of your personal data, and that the laws of England and Wales shall govern such dispute or claim. However, we retain the right to bring legal proceedings in any jurisdiction where we believe that infringement of our intellectual property rights or breach of those terms is taking place or originating. You are responsible for compliance with any applicable laws and regulations of the jurisdiction from which you are accessing this website. We operate this website from England and make no representation or warranty that the information contained herein is appropriate or available for use in other locations outside England and Wales.

Each time you log onto the Site, you agree to the above terms and conditions. These terms and conditions should be read in conjunction with our Privacy Policy, which can be found by clicking on the Privacy Policy button from the home page.

Confident Services Limited
March 2007

 

CONFIDENT SERVICES LIMITED PRIVACY POLICY

INTRODUCTION

Confident Cover means Confident Services.

Confident Cover is committed to protecting your privacy. We comply with the principles of the Data Protection Act 1998 and aim to maintain consistently high levels of best practice in our processing of personal and/or sensitive personal data.

How we use information you provide us.

We use the information we receive from you to provide goods and/or services that you request, to communicate with you, and to personalise our information sent to you. We do not sell, trade, or rent your personal information to third parties, but may share your personal information with our group companies for marketing and administrative purposes.

We store all the information you provide us, including information provided via forms you complete on our website, and information which we may collect from your browsing. Our server, in common with nearly all web servers, logs each page that is downloaded from the site.

Examples of how we may personalise information might include preparing an insurance quote for you or when we will be delivering certain products in your area.

Third parties may deliver some of our products to you or provide all or part of the service requested by you. In these instances, whilst the information you provide will be disclosed to them, it will only be used for the administration of the service provided (including for example claims processing), underwriting and pricing purposes as appropriate, testing, and to maintain management information for business analysis.

We have contractual arrangements in place with our partners that require them not to contact you unless (a) they offer you the lowest quote or (b) you buy one of their products.

Third parties may search your record at a credit reference agency or check your details with fraud prevention agencies. The precise nature of these processes depends on the type of service requested by you and is explained fully when you apply.

We ask for your home, mobile telephone number, and e-mail address to enable us to contact you in relation to an enquiry you have made, to contact you about relevant products or services, to contact you if there is a problem with your order, or there is another genuine reason for doing so. If you provide us with credit or debit card details in order to pay for a service or product, we will keep such details secure and ensure that the details are only used further with your consent and/or for the purposes of any appropriate refunds.

Occasionally, we may also use the information we collect to notify you by post, telephone, mobile telephone, e-mail and SMS about new services and special offers we think you’ll find valuable, or to inform you about important functionality changes to our website.

Each time you receive marketing information or a message, you have the option to decline to receive further marketing information from us. This is known as an ‘opt-out’.

If you wish to opt-out now, please contact us at : opt-out@confidentcover.com

If you have more than one address or e-mail address please make sure to notify any changes to your preferences for each address or e-mail address you have registered with us.

How we protect customer information.

As required by the Data Protection Act 1998, we follow strict security procedures in the storage and disclosure of information you have given to us.

If we provide information to a third party (either a provider of a product or service, or an external data processing agency such as a mailing house) we will exercise the strictest control over the third party contractually, requiring it to:

• Maintain the security and confidentiality of the information and restrict access to those of its own employees;
• Use the data for the agreed purpose only and prevent it being used for any other purpose by any other party;
• Refrain from communicating with you other then concerning the product in question.
• Return the data to Confident Cover at the conclusion of any contract term and destroy or delete any copies made of all or any part of the information unless copies are needed to be kept to comply with regulations;

In addition, Confident Cover will restrict the information disclosed to the absolute minimum necessary, for example, to provide the product or service.

Our own security procedures mean that we may occasionally have to request proof of identity or check your presence on the electoral roll.

In the event of telephone calls from you, we also reserve the right to ask security questions (which we in our sole discretion deem appropriate), in order to satisfy ourselves that you are who you say you are.

Your Consent.

Before you provide any data to us, we will endeavour to make it clear why we need it. Sometimes we may need sensitive personal data (examples might be past medical history or motoring convictions). When this is required we will obtain your consent first. Otherwise, by providing us with information, either orally or written, or by using our website, you consent to the collection, use and processing of this information by Confident Cover to provide and send you information about its services.

A customer may properly give his or her spouse’s consent over the telephone or via the website provided he confirms that he has permission to do so. If the consent is written, the spouse must independently endorse such consent.

Please note that if Confident Cover provides or introduces products or services outside the European Economic Area (EEA) the information you provide may occasionally be transferred outside the European Economic Area for the purpose of processing by Confident Cover and/or its insurance partners. It is worth noting however that some non-EEA countries do not afford the same level of data security as the UK. By submitting your details, you consent to this transfer.

Subsequent to your purchase of a Confident Cover product or service, we may enter into an arrangement for that service to be provided by a new third party. If this happens, the terms and conditions of your contract with us will provide that you consent to the transfer and processing of personal and/or sensitive personal data to the new provider, subject to the requirement of the Data Protection Act 1998 and associated regulations.

Encryption.

We are committed to securing and protecting your information. To ensure your personal and financial information are secure, all transactions on this site are encrypted using the industry standard encryption system (SSL). This is verified by the padlock, which is displayed at the bottom of the screen during the quotation process. The presence of the padlock indicates that the information sent between your computer and our site is secure.

How we use cookies.

Cookies are text files, which identify your computer to our server. Confident Cover will automatically issue your computer with a cookie whenever you register on our website, (or possibly when you browse), in order to track traffic flows and to additionally make our website easier for you to use.

Cookies themselves only record which areas of the site have been visited by the computer in question, and for how long.

You have the opportunity to set your computers to accept all cookies, to notify you when a cookie is issued, or not to receive cookies at any time.

Selecting not to receive cookies can mean that certain services e.g. previous registration identification cannot then be provided.

It is worth noting that some of the third parties present on our Website may also issue cookies.

How to accept cookies.

Internet Explorer 7.0

1. Choose Tools, then
2. Internet Options
3. Click the Privacy tab
   Move the slider to select the level of privacy you prefer, or click on ‘Advanced’ for customised settings.

FireFox 2.0

1. Choose Tools, then
2. Options
3. Click the ‘Privacy’ icon
4. Within the ‘Cookies’ section of the tab, tick the check box which states ‘Accept cookies from sites’

Internet Explorer 6.0

1. Choose Tools, then
2. Internet Options
3. Click the Privacy tab
   Move the slider to select the level of privacy you prefer, or click on 'Advanced' for customised settings.

How to delete cookies.

You can easily delete any cookies that have been installed in the cookie folder of your browser. For example, if you are using Microsoft Windows Explorer:

1. Open 'Windows Explorer'
2. Click on the 'Search' button on the tool bar
3. Type "cookie" into the search box for 'Folders and Files'
4. Select 'My Computer' in the 'Look In' box
5. Click 'Search Now'
6. Double click on the folders that are found
7. 'Select' any cookie file
8. Hit the 'Delete' button on your keyboard

If you are not using Microsoft Windows Explorer, then you should select "cookies" in the "Help" function for information on where to find your cookie folder.

If you have any doubts or do not use any of the above systems please refer to www.allaboutcookies.org, which explains in detail how cookies work and how they can be managed.

Disclose of information to third parties.

As previously mentioned we do not sell, trade or rent your information and will never disclose information about you to third parties, except to fulfil your specific orders for a product or information in the event that third parties deliver the relevant service. For example, if you take out an insurance policy provided by a third party, it will need your details in order to administer the policy and process any claims.

Other circumstances where we are operationally or contractually obliged to pass on your information may be where third parties administer part or all of the service, underwriting, for pricing purposes, testing, and to maintain management information for business analysis.

Confident Cover may of course be obliged at law to pass on your information to the Police or any other statutory authority.

Subject Access Requests.

Confident Services Limited is part of the Saga Group of companies and registered under title number 05124442 with registered office at 11 Enbrook Park, Folkestone, Kent CT20 3SE.

Your choice of information.

You may change the type of material sent to you at any time.

You have a statutory right of access to accessible personal and/or sensitive personal data that we hold about you. In order to exercise this right, your application must be in writing for security reasons. Please write to Confident Services Data Protection Officer at the address given on our Contact Us page. Please refer to the information you wish to see giving dates if possible, and enclose your cheque for £10 payable to Confident Services Limited. We will not administer Subject Access Requests by a third party unless accompanied by a written authority of the individual who is the subject of the request.

Changes to our Privacy Policy.

If we decide to change our Privacy Policy, we will update all relevant documentation and post any changes onto our website so that you are always aware of what information we collect, how we use it and under what circumstances we disclose it.

Tell us what you think.

We welcome your questions and comments about privacy. Please write to The Confident Services Data Protection Officer at the address given on our Contact Us page.

Confident Cover
March 2007