Terms and Conditions
JCB Insurance Services Limited
Website Terms and Conditions
JCB Insurance Servicess Limited is authorised and regulated by the Financial Conduct Authority. Our firm reference number is 306372. Full details of our authorisation can be checked on the FCA's register by visiting the FCA's website or by contacting the FCA on 0800 111 6768. Please read the details set out below carefully before using this website (the “Site”) By accessing this Site, you agree to be bound by all of the following terms and conditions and disclaimers (the 'Terms') including our Privacy Statement and Important Notes.
In these Terms
- 'you', 'your' and 'yours' means you, the person(s) accessing this Site.
- 'we', 'us' and 'our' means JCB Insurance Services Limited.
- 'JCB Group' means J C Bamford Excavators Ltd, its subsidiaries and associated companies from time to time.
TERMS AND CONDITIONS
These Terms cover your use of this Site. All our products and services have their own terms and conditions (the 'Product Terms'). You must read both the Product Terms and these Terms. To the extent that the Product Terms conflict with these Terms, then the Product Terms will prevail.
From this Site we may provide information or hyperlinks to other websites or pages provided by other parties. Your use of other parties' sites may be subject to their own terms and conditions. Please read them.
Please ensure that you read carefully all applicable terms, conditions and disclaimers together with the Important Notes relevant to your use of the products, services or information that may be offered to you from time to time.
CHANGES TO OUR TERMS
The information, material and content provided in the pages of this Site may be changed at any time without notice. Changes may be made to the Terms at any time without notice by updating this posting.
You agree to review the Terms regularly and your continued access to or use of the Site will mean that you agree to any changes.
AVAILABILITY OF SITE, PRODUCTS AND SERVICES
The content, including layout, of this Site or products or services available via this Site may be wholly or partially suspended, withdrawn or changed at any time.
We also reserve the right at any time to immediately suspend the provision of all or any part of this Site to you and/or block your access to this Site.
Information or opinions contained on this Site do not constitute investment advice or an offer to sell or a solicitation, or offer to buy, any securities or financial instruments.
Should you seek to rely in any way whatsoever upon any information contained on this Site, you do so at your own risk.
Before you make any decision or take any action that might affect your personal finances or business, you should always consult a suitably qualified professional adviser.
This Site is intended solely for those who access it from within the United Kingdom.
Because of this, we cannot guarantee that this Site or the information on it complies with local laws, regulations or restrictions of, or is appropriate for use in, other places.
People accessing this Site from outside the United Kingdom must inform themselves about and observe any relevant rules, regulations and restrictions.
You are wholly responsible for use of the Site by any person using your computer and you must ensure that any such person complies with these Terms.
The following provisions under 'No Warranties' and 'Exclusion of Our Liability' exclude or limit our legal liability for this Site. You should read them carefully. These apply only as far as the law permits, and in particular we do not exclude or restrict our duties and liabilities to you under the Financial Services and Markets Act 2000 (the “Act”), or the rules of the Financial Conduct Authority (the “FCA”) for the conduct of business.
Whilst we have taken reasonable steps to ensure the accuracy, currency, availability, correctness and completeness of the information contained on the Site, information is provided on an “as is”, “as available” basis and we do not give or make any warranty or representation of any kind, whether express or implied.
Other than the warranties and representations contained in these Terms, all other warranties and representations, whether express, implied or statutory are, to the fullest extent permitted by the law, excluded. Use of this Site is at your sole risk.
We do not represent that:
- any information contained on this Site will be accurate, complete or up to date or meet your specific requirements,
- this Site will be available,
- access to this Site will be uninterrupted or that there will be no delays, failures, errors or omissions or loss of transmitted information,
- no viruses or other contaminating or destructive materials or elements will be transmitted or that your computer system will not be damaged.
- We do not provide any guarantee about the accuracy, functionality or performance of any third party software, content or equipment used in connection with this Site.
EXCLUSION OF OUR LIABILITY
To the extent permitted by law, neither we nor any member of the JCB Group shall be liable for any damage, loss or liability (whether arising in contract, tort, including negligence, or otherwise) arising out of or in connection with:
- your use of this Site,
- your reliance on or your inability to use the information, products or services on this Site, or
- any failure or performance, error, omission, interruption, defect, delay in operation or transmission, computer virus or line or system failure to this Site or your use or attempted use of it.
- The above exclusions apply to any damage which is direct, indirect, special, incidental or consequential or consists of loss of profits, business, opportunity or data.
All of the above exclusions apply even if you have advised us or any member of the JCB Group of the possibility of the above types of damage, loss or liability.
Security - it is your sole responsibility adequately to:
- protect and back up your data and/or equipment,
- undertake reasonable and appropriate precautions against any computer virus or other destructive materials or elements, and
- ensure that your computers and your access to this Site are adequately secured against any unauthorised users.
Your use of this Site - you may not use this Site or permit others to use this Site:
- in any way (including via electronic means) and for any purpose which is unlawful, defamatory or libellous, offensive, abusive, indecent, menacing or threatening or in any way breaches any intellectual property rights or obligations of confidence, or
- to cause annoyance, inconvenience or needless anxiety to any other person or in any other way which is in violation of any applicable law or regulation in any jurisdiction in the world, or
- to introduce a virus or other disruptive material or element or otherwise disrupt or impair this Site or any communication service.
THIRD PARTY SITES
Links to Third Party Sites - where we provide hypertext links to other locations on the Internet, we do so for information purposes only. We are not responsible for the content of any websites or pages of third parties linked to or linking to this Site. We have not verified the content of any such websites. Following links to any websites or pages of third parties shall be at your own risk. We shall not be responsible or liable for any damages or in any other way in connection with such linking of those websites or pages.
Downloads from Third Party Sites - links to third party downloadable software sites are for convenience only and we are not responsible nor are we liable for any difficulties or consequences associated with downloading that software. You are responsible for obtaining all necessary authorisations to use such software and we make no implied licence or warranty in relation to the obtaining of or use of such software whatsoever. Use of any downloaded software is governed by the terms of the licence agreement, if any, which accompanies or is provided with the software.
No Endorsement of Third Parties - no endorsement or approval of any third parties or their advice, opinions, information, products or services is expressed or implied by any information on this Site or by any hyperlinks to or from any third party websites or pages.
LINKS TO OUR SITE
Neither you nor any other party may use any part of this Site on any other website, or link any other website to this Site, without our prior written permission.
We are not responsible for the set up of any link from a third party website to our Site.
INTERNET AND E-MAIL COMMUNICATIONS
Messages sent over the Internet (including e-mail) cannot be guaranteed to be completely secure as they are subject to possible interception, monitoring, delay, loss or alteration.
Neither we nor any other member of the JCB Group are responsible for any such messages nor liable to you or anyone else for any damages or otherwise in connection with any messages sent by you to us or any third party or any messages sent by or appearing to be sent by us or any third party to you over the Internet (including e-mail). You should not include any sensitive or confidential information in such messages.
OUR MONITORING OF COMMUNICATIONS
To help us improve our service and in the interest of security, we may monitor and/or record communications (whether over the Internet, telephone or otherwise) between you and us.
INTELLECTUAL PROPERTY RIGHTS
Our Rights - all intellectual property rights (including without limitation, copyright, database rights, design rights, patents and trademarks) in the pages, screens, information and materials included in this Site are owned by or licensed to us unless otherwise stated.
JCB - JCB and the JCB logo are trademarks of J C Bamford Excavators Ltd and all rights and benefits in them vest in J C Bamford Excavators Ltd.
Copying by you - you may print, copy, download or temporarily store extracts from this Site for your personal information or use or to help you use our products and services. You must not alter anything contained on or obtained from this Site in any form. Any other use is prohibited unless you first get our written permission. In particular, no one may use a part of our Site on any other website, or link any other website to our Site, without prior written permission.
It is our policy to retain documents for business effected on your behalf in electronic or paper format for a minimum of 6 years. Thereafter, we may destroy documents without further reference to you.
It is possible for claims to be made long after a policy has expired for certain types of insurance. It is therefore important that you keep your policy documentation safely, and in accordance with statutory requirements.
We are committed to protecting your personal data and privacy. We may, as a result of your interaction with this Site, hold and process personal information obtained about you when you access the Site and use it for servicing our relationship with you, to provide you with products and services, to evaluate the effectiveness of this Site, to assess your financial needs, to conduct our business, and to provide you with better customer services and for statistical analysis.
Your information may also be used for fraud prevention and audit purposes. If you give us false or inaccurate information and we suspect fraud, we will record this.
We may pass your information to other members of the JCB Group or agents or others as permitted by law so that they may do the same, and they may pass information held by them about you to us so that we may do the same. We will not disclose any such information outside of the JCB Group of companies except for fraud prevention purposes, and/or if required/obliged by law or governmental or judicial bodies or agencies or to our regulators under proper authority, or under a strict code of secrecy to sub-contractors or persons acting as our agents or where we have your consent or have previously informed you.
Your information may also be exchanged with members of the JCB Group and others to provide you with products and services. If you do not wish your personal information to be used in this way, you will be given an opportunity before buying any products, and/or when accessing any interactive sections of the Site to decline our use of your information for such purposes.
We may also in connection with the above and the provision of this Site transfer your personal data to other members of the JCB Group and/or third parties in jurisdictions inside or outside the European Union where there may be less stringent data protection laws However, wherever it is held and processed, your personal data will be protected by a strict code of secrecy and security which all members of the JCB Group, their staff and any third parties are subject to and will only be used in accordance with our instructions. By agreeing to these Terms you agree to such data being so used and that it may be transmitted to others as stated above. We may contact you to ensure that any information you have requested has been received.
Under data protection legislation in the United Kingdom, you can ask in writing for a copy of certain personal records we hold about you. We may make a charge for this service.
The Terms include the Important Notes set out below. You should read them.
The information in this Site is based on our understanding of current law at the present time. Future changes in legislation and practice could affect the information on this Site.
Further information and written details about our products and services are available from any of our branches and on our website. Details may also be obtained by writing to us at our address or telephoning us at the number provided or by contacting your usual divisional contact.
This Site is not intended to be used by minors.
These Terms are governed by and are to be interpreted in accordance with the laws of the United Kingdom.
The courts in the United Kingdom will have non-exclusive jurisdiction in respect of any dispute which may arise in connection with the Terms or your use of this Site