Terms and conditions for this website
These terms and conditions apply to the provision to you, the user, by us, Senator Insurance Holdings Limited and subsidiaries (together “Senator”), of this website, and the use by you of the website. It is important that you read these terms and conditions carefully. By using this website, you are deemed to have accepted these terms and conditions in their entirety and you agree to use the website in accordance with them.
We may revise these terms and conditions by updating this posting. Any such modifications shall become effective immediately.
Due to the nature of the Internet and our need to undertake website maintenance, we cannot guarantee to provide and maintain the website continuously and without interruption and faults.
You accept and acknowledge that the intellectual property in the website is owned by Senator. You will not remove in whole or in part any trade marks, copyright and other proprietary notices contained in or appearing on any material you download and/or print from the website.
You recognise that the Internet is accessible to anyone with the appropriate technical capability and as such it is impossible to protect totally against abuse of the website by third parties, including the introduction of a virus onto the website. You acknowledge that it is your responsibility to satisfy yourself that your own information technology is protected against computer viruses.
You are responsible in all respects for the content of the material you place on the website about yourself and your requirements, and you warrant, represent and undertake to us that the information you supply to us shall be accurate, complete, true and up to date.
You may use this website for viewing or requesting information we may publish from time to time regarding our business and other services available.
No information we provide through the site shall be binding on us. You acknowledge that reliance on any information or other material posted on the website is entirely at your own risk. You should check all information directly with us and should not rely on any material contained on the website as a statement, representation of fact or warranty.
As far as permitted by law, we shall not be liable for any loss, howsoever arising and whether because of negligence, whether direct or consequential, arising out of or in connection with this website. All warranties, undertakings, conditions and terms, express or implied, whether by common law, statute, custom, trade usage, course of dealings or otherwise (including without limitation as to quality, fitness for purpose, performance or suitability for purpose) in respect of the website are hereby excluded to the fullest extent permitted by law.
Nothing in these terms and conditions shall exclude our liability to you for fraudulent misrepresentation by us or our employees or for death or personal injury resulting from our negligence or that of our employees.
These terms and conditions represent the entire agreement in relation to the subject matter of these terms and conditions between us and supersede all other agreements and representations made by either party whether oral or written.
These terms and conditions shall be governed by and construed and interpreted in accordance with English law and the parties hereby submit to the non-exclusive jurisdiction of the English Courts.
Disclaimer for this website
Senator takes great care to ensure the information appearing on this site is accurate and up-to-date. However, errors and omissions can occasionally occur, and the user should not take the accuracy of the information for granted but should check directly with Senator.
None of the material contained in this site is to be relied upon as a statement or representation of fact. Senator has no control over the use to which the information may be put by the user and accordingly shall not be liable for any loss of profits or contracts or any indirect or consequential loss or damage arising out of, or in connection with, the use of such information. The statutory rights of a client dealing with Senator as a consumer shall remain unaffected.
Senator takes the privacy of its customers very seriously. Please read the following policy in order to understand how we will treat your personal information when you use our website. If this policy changes such changes will be included within the revised Terms and Conditions section of this website.
The information we collect
In order to provide you with the best Internet experience we can, we collect certain personal information about you. When you register on this website, we will store your email address together with any other information you may provide as part of the personalisation process. This information may include, but is not limited to, details such as your name and your address. When you view our site by linking from another web page we may store the name of that web page for the purposes of internal administration.
What do we do with your personal information?
Senator uses your personal information to provide you with the best online experience possible and to provide you with a personalised service. We may also use the information to process any transactions you undertake with us and for internal administration and analysis. We disclose your information to third parties outside the Senator Group only for the purpose of obtaining professional advice, providing the above services to you and for the purposes of associated administration. We do not sell, rent or trade your personal information to third parties outside the Group for marketing purposes.
Data protection in the UK
The Senator Group of companies (‘Senator’) takes its obligations under the Data Protection Act seriously and has adopted measures to ensure compliance with each of the 8 principles, including the fair processing and security of personal information. We may hold and use personal information, including sensitive information, (which may include matters such as medical details and criminal convictions) about our clients, potential clients and other individuals to provide you with a personalised service in the form of insurance renewal information or quotes, insurance advice, risk management advice, claims handling and related matters.
We may use personal information to process any transactions you undertake with us and for internal administration and analysis. We will disclose personal information to third parties outside Senator only where permitted or required by law, where required for the prevention of fraud, where you have given your consent in advance or when it is necessary, such as for the purposes of obtaining professional advice, providing the above services to you and for associated administration.
We may use your personal information to contact you from time to time by post, phone, fax or email with details about other related products or services offered by Senator which we think will be of interest to you in a business capacity. We will not sell, rent or trade your personal information to third parties outside Senator for marketing purposes. If you would prefer not to be contacted about other products or services offered by Senator then please write to the Data Protection Officer at Senator, London, EC3M 5BSFountain House, 130 Fenchurch Street, London EC3M 5DJ.
Senator’s purposes for holding personal information, and a general description of the categories of people and organisations to whom we may disclose it, are listed in the Data Protection Register. You may inspect this or obtain a copy from the Information Commissioner’s Office at email@example.com or www.informationcommissioner.gov.uk or Wycliffe House, Water Lane, Wilmslow, Cheshire, SK9 5AF.
Under the terms of the Data Protection Act 1998 individuals may request a copy of the personal details which Senator holds about them. In accordance with the Act an administration fee of £10 will be charged for providing this information.
Calls to Senator may be monitored and recorded for quality assurance purposes.
If you still have any concerns about privacy or security, please contact us at: firstname.lastname@example.org.
If you consider that you have suffered, or may suffer financial loss, material distress or inconvenience, we have set out below the following details:
- How to make a complaint
- The procedures that we, as a Company, are committed to follow in ensuring a satisfactory outcome
- Who to contact if you are not satisfied with our response
How to make a complaint
If you wish to register a complaint, you may contact us by:
Writing to The Compliance Officer, Senator Insurance Holdings, Fountain House, 130 Fenchurch Street, London EC3M 5DJ
Telephone 020 7265 7400
Our complaints handling procedure
We aim to resolve your concerns, whenever possible, by close of business the next working day. If this is not possible, we will acknowledge your complaint in writing within five working days of receipt. Our acknowledgement letter will contain the name and job title of the person handling the complaint and will enclose a copy of this complaints procedure.
We will endeavour to resolve your complaint at the earliest possible stage. We will investigate the matter and will usually send our initial response to you in writing within eight weeks of the receipt of your complaint. The response may be contained in the acknowledgement letter if the investigations have been completed within five working days of the receipt of your complaint.
In the unlikely event that our initial response is not issued within four weeks of the date we received your complaint, we will issue a letter to you explaining why we have been unable to resolve your complaint and indicate when we will make further contact prior to the end of the eight-week period.
If your complaint is not resolved by our initial response or you are not happy with our response and the course of action proposed, you can ask us to review your complaint again and advise us of any additional information that you believe may be relevant to our review. We will review your complaint once more and provide you with our final response.
Who to contact if you are not satisfied with our response
In the unlikely event that prior to the expiry of the eight week period we are unable to provide our initial response, or where you have advised us that you remain dissatisfied with our initial response and we have not provided a subsequent final response, a further letter will be sent to you explaining why we have been unable to resolve your complaint and indicate when a final response will be forthcoming. If you are a private individual or a firm, charity or organisation with a turnover of less than £1,000,000, we will advise that you may refer the complaint to the Financial Ombudsman Service if you are unsatisfied with the delay. A copy of the Financial Ombudsman Service’s explanatory booklet will be enclosed at this time.
All complaints will be handled fairly, consistently and promptly. Our response to you will adequately deal with the subject matter of the complaint. We will offer appropriate redress where we uphold your complaint.
Any response will be clear and use plain language. Any technical terms will be explained.
Your complaint will be handled in accordance with any applicable requirements of the Financial Ombudsman Service.
If you are a private individual or a firm, charity or organisation with a turnover of less than £1,000,000, you may refer the matter to the Financial Ombudsman Service within six months if you are not satisfied with our final response or earlier if we have failed to provide a final response within eight weeks. A copy of the Financial Ombudsman Service’s explanatory booklet will be enclosed with our final response. The Financial Ombudsman Service can be contacted by:
We will provide whatever assistance we can to the Financial Ombudsman Service and abide with their final decision.
Your right as a customer to take legal action remains unaffected by the existence or use of any complaints procedures referred to above. However, the Financial Ombudsman Service will not adjudicate on any cases where litigation has commenced.