1st Commercial Insurance Website (www.1st-commercial-insurance.co.uk)
TERMS
THE 1st-commercial-insurance.co.uk WEBSITE USER AGREEMENT AND TERMS OF USE: Use of the 1st-commercial-insurance.co.uk ("We", "us", "1st-commercial-insurance.co.uk") website ("the site") constitutes acceptance of the 1st-commercial-insurance.co.uk Website User Agreement ("the agreement") and Terms of Use ("terms"). The user of the site ("you") represent that you have read and understood these terms and agree to be bound by them. If you do not agree to all the terms and conditions on this page, please do not use this website. Use of any internal or external links on the 1st-commercial-insurance.co.uk website constitutes acceptance of the terms on this page. If you do not agree with these terms, please exit this site by closing the browser window. The terms "1st-commercial-insurance.co.uk"encompass the 1st-commercial-insurance.co.uk Internet Site and Marketing Communications. In order to use this site you must agree to be legally bound and to abide by the terms and to indemnify and hold the operators of the 1st-commercial-insurance.co.uk website harmless from all alleged or actual damages, claims and expenses relating to any warrant, guarantee or representations made by the individual service providers featured within this website or linked websites. This also includes, without limitation, attorney's fees. The use of this site for any reason is deemed to be an agreement of this condition.
DATA PROTECTION ACT 1998
I/we confirm that I/we have the consent of any third party whose details I/we may disclose to 1st-commercial-insurance.co.uk ("You") to disclose such details and to authorise You and the third parties referred to in the paragraph below to process such details for the purposes of assessing my/our application and administering and enforcing any subsequent loan which may be granted to me/us. I/we agree that You and any advisor resulting from this application (the "advisor") shall be entitled to use and process, by any medium, the information given by me/us in this application form and any other information about me/us which may be acquired during the lifetime of any loan ("the Data") for the following purposes:- i. to provide the Data to and search the files of one or more credit reference or fraud prevention agencies whether before, or during the lifetime of any loan granted to me/us by the advisor, who will keep a record of such search, to confirm the Data, and for the purposes of credit assessment or account administration. I/we understand that You and /or the advisor will record false or inaccurate information if this is given by me/us and fraud is suspected. ii. To disclose the Data to credit reference agencies when requested by them for consideration of any future applications for finance made by me or members of my household/family, or for fraud prevention and/or tracing debtors (the agencies may also disclose the Data to other advisors for these purposes) iii. to disclose the Data to any other company within the advisor's group of companies and/or to any third parties (for example, debt counsellors and insurers) at any time for the purposes of assessing my/our application and administering and enforcing any subsequent loan whether during the course of my/our application or during the lifetime of any loan granted pursuant to such application; iv. to disclose the Data to any third party who replaces or who may replace my/our advisor.
PREVENTION OF MONEY LAUNDERING
The advisor and other organisations may use and search the records of credit reference or fraud prevention agencies to check your identity to prevent money laundering, unless you have furnished other satisfactory proof of identity.
RIGHT OF SUBJECT ACCESS
Information held by us will be processed only for purposes for which we have registered under the Data Protection Act. Upon you making a request in writing we will provide you with a copy of the information which we hold concerning you on payment of a fee.
PERSONAL DETAILS AND DATA PRIVACY
The personal details which you submit to us (Personal Data) are held by 1st-commercial-insurance.co.uk for its own use. It is your responsibility to ensure that your Personal Data is accurate and up to date and to inform us of any changes that need to be made. 1st-commercial-insurance.co.uk may use the Personal Data for the purposes they have notified to the Office of Information. By submitting your Personal Data you CONSENT to it being processed by 1st-commercial-insurance.co.uk. The 1st Commercial Insurance UK web site does not assume any liability for any of the products, services, or data of any other linked sites. The 1st Commercial Insurance web site is a facilitator of links to the content of other sites and as such has no editorial control over the content of such linked sites in the same manner that a public library has no control over the content of the books that it distributes. It is the responsibility of the user to evaluate the information, opinion, advice, or other content contained within the site. We cannot be held responsible or liable for any loss or damage due to reliance on information obtained through the 1st Commercial Insurance UK web site.
INFORMATION INDEMNITY
The user agrees not to rely on any information obtained from the 1st-commercial-insurance.co.uk website and indemnifies us from mistakes, omissions, errors, interruptions, delays of service or performance, defects, harmful components, viruses and bugs, howsoever caused.
AVAILABILITY OF SERVICE
We do not warrant or guarantee that the 1st-commercial-insurance.co.uk website will be uninterrupted or error-free.
SEVERANCE
If a term, covenant, provision, or condition of this agreement becomes, or shall be held by any court of competent jurisdiction to be against public policy or illegal, all remaining provisions of this agreement shall remain in full force and effect and unaffected, impaired or invalidated by this decision. The invalidated item shall be modified by the parties to the full extent possible to carry out all the intentions and directives stated in this agreement.
GOVERNING LAW
Any such contract will be interpreted, construed and enforced in all respects in accordance with the laws of England, and you and 1st-commercial-insurance.co.uk irrevocably submit to the non-exclusive jurisdiction of the English Courts. This agreement is governed by English law and all disputes will be handled solely in the United Kingdom. English Courts will have jurisdiction in respect of it. You consent to such venue and jurisdiction. The 1st-commercial-insurance.co.uk website is controlled and operated from offices in the United Kingdom and makes no representations or warranties that its content or use is legal in other locations.
