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 Please
read Terms of Business & Conditions in the use of
Use of this website
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.
621352. 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.mortgageinsurance.co.uk, 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'
Duty of
disclosure: It is vital the information provided by
you forms the basis of a legal contract between you
and your insurer or scheme agent and that you have
an ongoing duty to disclose all circumstances &
material facts which may effect for example claim or
under-writing process, or payment information for
premiums. It is therefore crucial that all
information provided is true, accurate and complete,
if not sure ask for guidance. Any omission,
misrepresentation or failure to disclose an
important change of circumstance could potentially
invalidate your insurance cover and could mean that
a claim may not be settled by the insurer or its
agent. It is IMPORTANT that you read the insurance
policy information carefully to ensure that the
insurance cover meets your needs and circumstances.
This is particularly important if any of the
circumstances outlined in the insurance policy
documentation apply to you because either an
exclusion, or policy condition may hinder you from
being able to make a claim as a non advised online
transaction
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 Authorities (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 insurers 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 up to £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 0845 4860 786. 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.
Company 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 Ombudsman'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
Tolerance:
Company have zero tolerance 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 tolerance 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 liability 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 Jurisdiction: 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 justice. 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 |
