Terms of Use

Lloyd Latchford Group Limited registered in England and Wales (No. 5988054) with registered office at Embankment West Tower, 101 Cathedral Approach, Salford M3 7FB.

Please read the following terms and conditions carefully before using www.lloydlatchfordgroup.co.uk as use of the site means that you agree to them.

This page (together with the documents referred to on it) tells you the terms of use on which you may make use of our website www.lloydlatchfordgroup.co.uk (“our site”), whether as a guest or a registered user.

By using our site, you indicate that you accept these terms of use and that you agree to abide by them. If you do not agree to these terms of use, please refrain from using our site.

Information about us

www.lloydlatchfordgroup.co.uk is a site operated by Lloyd Latchford Group Limited (“we” or “us”), a company registered in England and Wales under company number 5988054 and with its registered office address at Embankment West Tower, 101 Cathedral Approach, Salford M3 7FB.  Authorised and regulated by the Financial Conduct Authority (496330).  Lloyd Latchford Group Limited is part of Markerstudy Group.

To contact us, please e-mail [email protected].

Other applicable terms

These terms of use refer to the following additional terms, which also apply to your use of our site:

• Our Privacy Policy, which sets out the terms on which we process any personal data we collect from you, or that you provide to us. By using our site, you consent to such processing and you warrant that all data provided by you is accurate.

• Our Cookie Policy, which sets out information about the cookies on our site.

Our Privacy Policy and Cookie Policy can be found here.

Accessing our site

Access to our site is permitted on a temporary basis, and we reserve the right to withdraw or amend the service we provide on our site without notice (see below). We will not be liable if for any reason our site is unavailable at any time or for any period.

From time to time, we may restrict access to some parts of our site, or our entire site, to users who have registered with us.

If you choose, or you are provided with, a user identification code, password or any other piece of information as part of our security procedures, you must treat such information as confidential, and you must not disclose it to any third party. We have the right to disable any user identification code or password, whether chosen by you or allocated by us, at any time, if in our opinion you have failed to comply with any of the provisions of these terms of use.

You are responsible for making all arrangements necessary for you to have access to our site. You are also responsible for ensuring that all persons who access our site through your internet connection are aware of these terms, and that they comply with them. 

Intellectual property rights

We are the owner or the licensee of all intellectual property rights in our site, and in the material published on it. Those works are protected by copyright laws and treaties around the world. All such rights are reserved.

You may print off one copy, and may download extracts, of any page(s) from our site for your personal reference and you may draw the attention of others within your organisation to material posted on our site. 

You must not modify the paper or digital copies of any materials you have printed off or downloaded in any way, and you must not use any illustrations, photographs, video or audio sequences or any graphics separately from any accompanying text.

Our status (and that of any identified contributors) as the authors of material on our site must always be acknowledged.

You must not use any part of the materials on our site for commercial purposes without obtaining a licence to do so from us or our licensors.

If you print off, copy or download any part of our site in breach of these terms of use, your right to use our site will cease immediately and you must, at our option, return or destroy any copies of the materials you have made.

Reliance on information posted

Commentary and other materials posted on our site are not intended to amount to advice on which reliance should be placed. We therefore disclaim all liability and responsibility arising from any reliance placed on such materials by any visitor to our site, or by anyone who may be informed of any of its contents.

Our site changes regularly

We aim to update our site regularly, and may change the content at any time. If the need arises, we may suspend access to our site, or close it indefinitely. Any of the material on our site may be out of date at any given time, and we are under no obligation to update such material.

Our liability

The material displayed on our site is provided without any guarantees, conditions or warranties as to its accuracy. To the extent permitted by law, we, other members of our group of companies and third parties connected to us hereby expressly exclude:

• All conditions, warranties and other terms which might otherwise be implied by statute, common law or the law of equity.

• Any liability for any direct, indirect or consequential loss or damage incurred by any user in connection with our site or in connection with the use, inability to use, or results of the use of our site, any websites linked to it and any materials posted on it, including:

• loss of income or revenue;

• loss of business;

• loss of profits or contracts;

• loss of anticipated savings;

• loss of data;

• loss of goodwill;

• wasted management or office time; and

whether caused by tort (including negligence), breach of contract or otherwise, even if foreseeable.

This does not affect our liability for death or personal injury arising from our negligence, nor our liability for fraudulent misrepresentation or misrepresentation as to a fundamental matter, nor any other liability which cannot be excluded or limited under applicable law.

Information about you and your visits to our site

We process information about you in accordance with our Cookie Policy and Privacy Policy. By using our site, you consent to such processing and you warrant that all data provided by you is accurate.

Uploading material to our site

Any material you upload to our site will be considered non-confidential and non-proprietary, and we have the right to use, copy, distribute and disclose to third parties any such material for any purpose. We also have the right to disclose your identity to any third party who is claiming that any material posted or uploaded by you to our site constitutes a violation of their intellectual property rights, or of their right to privacy.

We will not be responsible, or liable to any third party, for the content or accuracy of any materials posted by you or any other user of our site.

Viruses, hacking and other offences
You must not misuse our site by knowingly introducing viruses, trojans, worms, logic bombs or other material which is malicious or technologically harmful. You must not attempt to gain unauthorised access to our site, the server on which our site is stored or any server, computer or database connected to our site. You must not attack our site via a denial-of-service attack or a distributed denial-of service attack.

By breaching this provision, you would commit a criminal offence under the Computer Misuse Act 1990. We will report any such breach to the relevant law enforcement authorities and we will co-operate with those authorities by disclosing your identity to them. In the event of such a breach, your right to use our site will cease immediately.

We will not be liable for any loss or damage caused by a distributed denial-of-service attack, viruses or other technologically harmful material that may infect your computer equipment, computer programs, data or other proprietary material due to your use of our site or to your downloading of any material posted on it, or on any website linked to it.

Linking to our site
You may link to our home page, provided you do so in a way that is fair and legal and does not damage our reputation or take advantage of it, but you must not establish a link in such a way as to suggest any form of association, approval or endorsement on our part where none exists.

You must not establish a link from any website that is not owned by you.

Our site must not be framed on any other site, nor may you create a link to any part of our site other than the home page. We reserve the right to withdraw linking permission without notice. If you wish to make any use of material on our site other than that set out above, please address your request to [email protected].

Links from our site

Where our site contains links to other sites and resources provided by third parties, these links are provided for your information only. We have no control over the contents of those sites or resources, and accept no responsibility for them or for any loss or damage that may arise from your use of them. 

Jurisdiction and applicable law

These terms and your use of our site are governed by and construed in accordance with the laws of England. The English courts shall have exclusive jurisdiction over any disputes or claims arising out of or in connection with these terms or their subject matter or formation (including non-contractual disputes or claims).

Variations

We may revise these terms of use at any time by amending this page. You are expected to check this page from time to time to take notice of any changes we made, as they are binding on you. Some of the provisions contained in these terms of use may also be superseded by provisions or notices published elsewhere on our site.

Your concerns

If you have any concerns about material which appears on our site, please contact [email protected].

Thank you for visiting our site.

Terms & conditions

Your quotation and purchased policies are provided by Lloyd Latchford Group Ltd, which is authorised and regulated by the Financial Conduct Authority (FCA) Registration number 496330, Our permitted business is introducing, advising, arranging, dealing as agent and assisting in the administration and performance of general insurance contracts.  We are also permitted to act as a Credit Broker in respect of premium finance arrangement. You can check these details on the FCA's Register by visiting their website www.register.fca.org.uk or by contacting the FCA on 0300 500 8082.

Basis of advice

Unless otherwise advised, we will assess your insurance and finance needs before providing advice or a recommendation to you. We act on your behalf in selecting an appropriate policy and finance to meet your needs and in assisting you with claims matters. We act as an intermediary in placing cover with your insurer. Unless otherwise advised, we provide advice based on a fair and personal analysis of the market. For Private Medical and Excess Waiver Insurance we place all covers with a single insurer as advised to you at the time of quotation or renewal. We do not guarantee the solvency of any insurer with whom we place business. When arranging premium finance, we will offer credit facilities from your insurer or a specialist provider as advised to you.

Providing information to your insurers

Your insurance is based upon the information provided to the insurance company. Unless otherwise indicated by the specific insurer underwriting your particular policy, the following circumstances apply.

For Consumers (individuals buying insurance wholly or mainly for purposes unrelated to their trade, business or profession) this means that you must take reasonable care to answer all questions fully and accurately. Once cover has been arranged, you must immediately notify us of any changes to the information that has been provided to your insurers. Failure to provide accurate and up to date information may invalidate your insurance cover and mean that a claim may not be paid.

All other customers must present the risk (i.e. the subject matter of the proposed insurance) fairly. This means that you must disclose to insurers, before arranging or renewing your insurance policy, and throughout the policy period, anything that might influence the judgement of an insurer in fixing the premium, setting the terms or determining whether they would take the risk. If you are uncertain whether anything is material, you should disclose it. In order to identify what must be disclosed, you are obliged to carry out a reasonable search before presenting the risk to insurers. This includes (but is not limited to) consulting with all senior managers (anyone who plays a significant role in the making of decisions about how your activities are to be managed or organised, regardless of whether or not that individual is a member of your board or is formally in a management role). You must also consult with anyone who has particular knowledge about the risk to be insured. Failure to disclose material information may invalidate your insurance cover and could mean that a claim may not be paid or an additional premium may be incurred.

Both we, and Insurers, may complete fraud and other checks on publicly available data bases including the Claims Underwriting Exchange (CUE) and the DVLA to verify claims and conviction history for you and any drivers on your policy (if applicable).

Fees and charges

We are remunerated through commission (a percentage of your premium or finance payment) from insurers and premium finance providers. Any additional fees and charges will be payable by you. Charges applicable at inception or renewal will be confirmed to you before you are obliged to pay them. Please note that fees are non-refundable. We will charge £50 for mid-term changes or cancellations, to cover our administration costs. On return premiums and cancellations, we will also deduct 15% of the annual premium from the return premium due to you. You may ask us to explain our earnings on any transaction completed for you.

How to cancel

You may have a statutory right to cancel your policy within a short period. Please see your policy summary, policy document or renewal notice for further details

Complaints

It is our intention to provide a high level of service at all times.  However, if you have reason to make a complaint about our service you should contact the Managing Director at the above address.  If we are unable to resolve your complaint satisfactorily, you may be entitled to refer the matter to the Financial Ombudsman Service (FOS).  Further information is available by calling the FOS on 0800 023 4567 or at http://www.financial-ombudsman.org.uk

How to claim

Please contact us if you need to make a claim and we will advise you of the appropriate course of action.

Protecting your Personal Data

Lloyd Latchford is a controller of your data and is registered with the Information Commissioner’s Office. This means we determine the purpose for which we use your personal information and the way in which it is used.  When you take out an insurance policy then a third-party insurer or ‘underwriter’ will also be a data controller. Depending on exactly how you started your relationship with us, other companies may also be considered controllers of your data. Where a third party is involved in the use of your data, we strongly recommend you review their privacy notice so you can understand how they will collect store, use and share your information.

Our full Privacy Policy explains in more detail what information we hold about you, how we use it, how long we keep it and who we may share it with. You can access it here: Lloyd Latchford Privacy Policy. Please read the policy carefully and contact us if you have any questions. 

If you have any questions about how we use your data please contact our Data Protection Officer at: Data Protection Officer,  45 Westerham Road, Bessels Green, Kent, TN13 2QB or [email protected].

Credit references

In providing a quotation or cover for you, a credit check may be completed on you. The fact that such a credit check has been completed will appear on your credit report whether or not your application proceeds. 

Protecting your money

Prior to your premium being forwarded to the insurer, and for your protection, we either hold your money as an agent of the insurer (in which case your insurance is treated as being paid for), or we hold it in a client bank account on trust for you.  We operate a 'Non Statutory' Trust Account for client money. This means that we may use funds held for you to pay premiums on behalf of customers who have not yet paid us or to provide returns of premium to customers when we have not received the return premium from the insurer. We may need to transfer your money to another intermediary in some cases in order to complete the arrangement of cover for you.  However, your money will be protected at all times because of our requirements under the FCA rules.  We also reserve the right to retain interest earned on this account. We will take your reading of these Terms of Business and your instructions to arrange cover to indicate that you understand and have given your consent for us to operate in this way.

Premium payment

We will agree the method of payment with you before we arrange cover. Please note that, should you choose to pay using a third party premium finance provider, any default on your part may incur additional charges. Should the finance provider cancel the arrangement, following default, they may then invoice us for the outstanding premium. In these circumstances, we may cancel your policy, retain the return premium from the insurer and pursue you directly for any outstanding balance.

Compensation arrangements

We are covered by the Financial Services Compensation Scheme.  You may be entitled to compensation from the scheme if we cannot meet our obligations.  This depends on the type of business and the circumstances of the claim.  Further information about compensation scheme arrangements is available from the FSCS on 0800 678 1100 or at http://www.fscs.org.uk/

Governing Law and Jurisdiction

The laws of the United Kingdom will apply to this contract.  If there is any disagreement about which law applies, English law will apply.

You can also request a copy of the Paymentshield Privacy Notice by contacting our Data Protection Officer.

You also have the right to complain to the Information Commissioner’s Office, which regulates data protection compliance. You can find more information by visiting their website www.ico.org.uk.