Status:
Macclesfield Insurance Services Ltd. Herein after referred to as (M.I.S.) acts as an Independent Intermediary on your behalf. We represent a number of Insurers and abide by the Financial Services Authority (F.S.A) code of practice. We will commend an insurer or insurers based on an assessment of your needs. We may also advise you on certain aspects of Risk Management.

Charges:
If M.I.S. makes an additional charge on the insurer’s premium, this will be advised to you in advance. In the event of mid term cancellation of a policy, M.I.S. retains the right to make refunds net of commission. The company holds a licence under the credit Consumer Credit Act. Professional Indemnity. M.I.S. conform to the F.S.A rules in respect of Professional Indemnity Insurance. This type of insurance is mandatory for all F.S.A registered Independent Intermediaries.

Confidentiality:
All information you supply will be kept confidential to M.I.S. and the insurers with whom we deal save unless we are required by law to disclose it to other parties. M.I.S. is registered under the Data Protection Act.1998. If you provide information in relation to anyone else, you should make sure you have his or her consent.

Proposal Forms:
All answers on any proposal form and any other statements made to us on your behalf or by you are your responsibility. M.I.S. also specifically accepts your instructions on the basis that we may offer you renewal at policy expiry (see DMD below).

Disclosure Of Information:
It is important that you understand that any information given to us must be correct. M.I.S would ask you to provide all information in Utmost good Faith. Any other matters or information which might influence your insurers as to the acceptability or otherwise of your proposal for insurance or the renewal of it, must be disclosed at the earliest opportunity and certainly at each renewal. If you do not tell us the your insurance may not operate properly or may not operate at all. You are advised to keep copies of all letters that you send for your own protection.

Awareness of Policy Terms:
When a policy is issued you are strongly advised to read it carefully, as it is that document the schedule, and any certificate of insurance that is the basis of any cover you have purchased. If you are in any doubt over the policy terms or conditions, please seek our advice promptly.

Claims:
If you want to claim on your policy you must notify us immediately. We will issue you with a claim form, or direct you to an insurer’s help line, and pass all details to your insurers. You should not admit liability nor agree to any course of action, other than emergency measures carried out to minimise the loss, until you have agreement from you insurers.

Complaints:
It is always our intention to provide good service. However, if you have any complaint you should first contact us in writing. You may also contact any of your insurers direct if the matter is not resolved to your satisfaction and we will provide the appropriate addresses and telephone numbers for you.

Documents:
We reserve the right to retain insurer’s documents at our office until payments due under the policy have been made and any cheques cleared through our bank account. Monies held within our bank account are held on behalf of the insurer.

Money Laundering:
Under the proceeds of Crime Act 2002.we are required to disclose to the authorities transactions we believe may involve criminal property. We will on occasions ask for proof of identity and/or evidence of ownership before proceeding.If you have any complaint you should first contact us in writing. Your letter will be acknowledged within 5 working days, and you will be asked for the full details concerning your complaint. Having received this, you will be given an update on the progress of your complaint in accordance with the complaints process. If the matter is not resolved to your satisfaction and we will provide the appropriate addresses and telephone numbers for you.

Distance Marketing Directive(DMD):
This requires that we must have your specific instruction before you can be offered renewal of your insurance. Therefore in effecting cover through us, at inception or renewal, you are specifically instructing us to offer you renewal at policy expiry.

IDD:
The initial Disclosure document is issued at the onset of any business transaction with M.I.S. together with our terms of business.

Fact Find:
We May conduct a fact find if you require advice regarding life business and you do not require execution only business. Once we have made our recommendations to you, we will confirm our advice in writing.

Use of your information:
The information that you provide or which we obtain in dealings with you will be held on our computer and other records. We will treat all of your personal information as private and confidential (even when you are no longer a customer) except where the law or any regulatory obligation requires us to do so or where M.I.S. at your request or with your consent ., for example carrying out credit reference checks and prevention of fraud. M.I.S. is regulated under the Data Protection Act 1998.

FSA:
From 31st October 2004, General Insurance business will be regulated by the Financial Services Authority; the FSA may require access to our customer records in order to review our activities, as part of performing its regulatory functions.

Marketing:
M.I.S. will not disclose any information about you to any other person for marketing purposes, we may as part of our service to you, occasionally keep you informed of products services or special offers and we may contact you about these by letter, telephone, e-mail.

Fees & Charges:
Your IDD Document will show if you are being charged a booking fee for your insurance.

Standard Other Charges are as follows:- Mid-Term Adjustment - £20.00
Cancellation Charge - £25.00
Recorded Letter For None Payment - £ 20.00
Renewal Fee - £10.00
Duplicate Document - £10.00

Premium Credit Conditions:
If you make your insurance payments by direct debit, you agree to abide by the terms of the credit company, if payments are not met on time you will be charged additional charges by the credit company and you may incur charges also from your own bank.

Macclesfield Insurance Services Ltd. Is committed to giving a quality service to its clients.

Website. Product Terms and Conditions.
The content of the Site does not constitute an offer by us to sell products and services. Your request to purchase a product or service represents an offer by you and will be subject to the terms and conditions of that product or service that we may accept or reject. After you make a request through the Site to purchase the product or service then assuming such product or service is available to you and your offer is accepted, you will receive confirmation of your purchase. The information and descriptions on the Site do not necessarily represent complete descriptions of all terms, conditions and exclusions and the precise cover provided (as applicable) shall be included in the schedule of cover, policy documents and/or conditions of purchase issued to you.If you apply for any product or service detailed on the Site, these conditions of use should be read in conjunction with any other terms and conditions relating to that product or service and, in the event of any contradiction between these conditions of use and the specific product of service terms and conditions, the latter shall prevail.You must ensure that the details you give to us while using this Site are correct and that there are sufficient funds to cover the cost of the product or service. Key facts and Initial disclosure documents will be issued at point of sale once quotation has been received.

External Links:
We may provide links to other websites that are not under our control. These links are provided for your convenience. When you activate these links, you will leave the Site. We do not endorse or take responsibility for the content on third party websites or the availability of those websites and we are not liable for any loss or damage that you may suffer by using those websites. If you decide to access linked websites you do so at your own risk.

Disclaimer:
We will do our best to correct errors and omissions as soon as we can. Nevertheless on occasion there may be mistakes in the price or type of product shown. In the event that such error in price, product or service is shown then we reserve the right to cancel that contract. We take care to ensure the Site is accurate and up-to-date however, all warranties (whether express or implied) and all liability to you in respect of the Site, its content and your use of the same are excluded to the fullest extent permitted by law.Please note that this disclaimer does not affect your statutory rights in respect of any products or services that you purchase from this Site. YOU AGREE BY TAKING OUT INSURANCE WITH MIS THAT YOU AGREE WITH AND ACCEPT MACCLESFIELD TERMS AND CONDITIONS.

Amendment to these conditions of Use:
We reserve the right to amend the Site and these conditions of use without notice from time to time. Any such amendment shall be effective once the revisions have been posted on this Site. As these Conditions of Use may be updated from time to time, we suggest that you check them whenever you visit the Site. If any of these provisions shall be unlawful, void or unenforceable for any reason the particular provision shall be deemed deleted and will not affect the validity or enforceability of the remaining provisions.

Jurisdiction and Law:
These conditions of use shall be governed by and construed in accordance with English law. Disputes arising here from shall be subject to the exclusive jurisdiction of the courts of English courts.