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TERMS OF WEBSITE USE

This page (together with the documents referred to on it) tells you the terms on which you may access or use this website (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.

Information about us

This is a site operated by ITHC ("We"). We are registered in England & Wales under company number 05461888 and have our trading and registered office at West House, 46 High Street, Orpington, Kent, BR6 0JQ.

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.

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, without limitation any liability for:
    • 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
  • for any other loss or damage of any kind, however arising 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 privacy policy. By using our site, you consent to such processing and you warrant that all data provided by you is accurate.

Transactions concluded through our site

Contracts for the supply of Goods, Services, Information formed through our site or as a result of visits made by you are governed by our terms and conditions of sale.

Uploading material to our site

Whenever you make use of a feature that allows you to upload material to our site, or to make contact with other users of our site, you must comply with the content standards set out in our acceptable use policy.

You warrant that any such contribution does comply with those standards, and you indemnify us for any breach of that warranty.

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.

We have the right to remove any material or posting you make on our site if, in our opinion, such material does not comply with the content standards set out in our acceptable use policy.

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. The website from which you are linking must comply in all respects with the content standards set out in our acceptable use policy.

If you wish to make any use of material on our site other than that set out above, please address your request to info@int-travelandhealthcare.com.

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

The English courts will have non-exclusive jurisdiction over any claim arising from, or related to, a visit to our site although we retain the right to bring proceedings against you for breach of these conditions in your country of residence or any other relevant country. These terms of use are governed by English law.

Variations

We may revise these terms of use, and/or our acceptable use policy and/or privacy policy at any time by amending the appropriate page. You are expected to check these pages 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 info@int-travelandhealthcare.com.

Thank you for visiting our site.


TERMS OF BUSINESS AGREEMENT


1: Definitions

International Travel and Healthcare Limited/ ITHC /we/us/our

International Travel and Healthcare Limited whose registered office is at West House, 46 High Street, Orpington, Kent BR6 0JQ. Registered in England and Wales no. 05461888.

Tel: +44 (0) 1689 892 228

Email: info@int-travelandhealthcare.com.


You/Yours

The client or potential client of International Travel and Healthcare Limited.

2: Introduction


If you require any documentation in an alternative format such as large print, please contact us.


The Financial Conduct Authority is the independent watchdog that regulates financial services. It requires us to give you this document. You should use this information to decide if our services are right for you.


Please read this agreement carefully as it contains details of our regulatory and statutory responsibilities and also sets out the terms on which ITHC agrees to act for its clients. If there is anything in it with which you disagree or do not understand, please contact us.

ITHC is an independent intermediary. We are authorised and regulated by the Financial Conduct Authority (FCA) and bound by its rules in respect of insurance mediation activities. Our Financial Services Register number is 433367. You can check this on the FCA's Register by visiting the FCA's website www.fca.gov.uk/register or by contacting the FCA on 0845 606 1234. Our permitted business includes advising, arranging, dealing in and assisting with the placing and administration of insurance policies. We are not tied to any insurer.


3: Products and services

Products are usually offered from a single insurer or a limited range of insurers. A list of insurers is available on request.

Unless we advise you otherwise, you will not receive advice or a recommendation from us or our Appointed Representatives, as to whether a policy is suitable for your specific needs. We or the Appointed Representative may ask you some questions to narrow down the selection of products, you will then need to make your own choice about how to proceed.

We pride ourselves on providing the highest standards of service to our clients. We will provide you with details of the cover effected for you as well as those of the insurer(s) underwriting the risk. ITHC will use its best endeavours to place cover on your behalf but we do not guarantee to be able to do so. If you effect a policy through us or our Appointed Representatives, we will, during the currency of the policy, administer it, make any adjustments you require, provide assistance if you need to make a claim and, if the policy is renewable, tell you when it is due for renewal. Cancellation instructions will only be accepted in writing.

There may be occasions when we act for both you and the insurer. If this situation arises you will be advised.

Your policy may, in certain circumstances, be transferred to a different provider without prior discussion with you. The decision will have been taken in your best interests and the cover will remain the same.


4: Your duty to provide information

It is your responsibility to provide complete and accurate information to insurers when you take out your policy and throughout its currency. It is essential that you ensure that all statements you make at the time of application, or in completing claim forms and all other documents are full and accurate. Please note that if you fail to disclose any information, or fail to advise a change in your circumstances to your insurers, which could influence the cost of, or their decision to accept your insurance, your policy may be invalidated and part or all of a claim may not be paid.


It is an offence to deliberately make false statements, withhold or misrepresent information

It is an offence to deliberately make false statements, withhold or misrepresent information


We strongly recommend that you keep a record of all information given to us including telephone calls, copies of all letters, emails and the application and claim forms completed whether in hard copy or on-line. Copy policies are available on request.


5: Policy terms and conditions

You are strongly advised to read your policy documents carefully as they, together with the Schedule and any Certificate of Insurance issued, form the basis of the policy you have purchased.


6: Claims

It is essential that you notify your insurer promptly of any claim as failure to do so could prejudice your position. You will find all the relevant contact numbers and your insurer’s claim reporting requirements in your policy. You will be required to give all necessary information and assistance to insurers so that they can deal with your claim.


7: Renewals

Where ITHC has arranged a renewable policy on your behalf, the placement of that policy will not automatically be renewed. We will make every effort to contact you prior to renewal to obtain your instructions but if, for whatever reason, we do not receive your instructions by your renewal date we will not renew your policy and we will not be held liable for any loss you may suffer if you fail to provide the necessary instructions in sufficient time before renewal.


8: What you will have to pay for our services

We reserve the right to charge fees or other charges in addition to any insurance premiums for the arranging, amending, renewing and cancellation of any policy. Any fees or charges will always be advised to you and could attract Insurance Premium Tax (IPT) or VAT at the prevailing rate.

Our Tariff of Charges for our comprehensive Travel Insurance schemes are as follows:

  • To incept a new Policy or to renew a Policy, our Policy Administration Fee is between £10 and £35 and is dependent upon the Policy you buy

  • To make a Mid Term Adjustment (MTA) to the Policy of any kind, which is requested after 14 days of inception of the Policy our MTA Fee is £20.

  • To make a Mid Term Adjustment within 14 days of inception of a new Policy there is no charge.

  • To cancel a Policy within 14 days of inception (within the cooling off period) as long as you don't intend to make a claim, or have made a claim, or have already travelled there is no charge.

  • To cancel a Policy after 14 days of inception as long as you don't intend to make a claim, or have made a claim, or have already travelled our Cancellation Fee is £35. You will receive a refund of premium based on the amount of time your policy has been in effect.

  • To process a credit card payment our Card Processing Fee is 2.5%.

    Our Tariff of Charges for our Safe-Journey Terrorism Insurance scheme is as follows:

  • To incept a new Policy or to renew a Policy, our Policy Administration Fee is 10% of the Gross Premium pre Insurance Premium Tax

  • To make a Mid Term Adjustment (MTA) to the Policy of any kind, which is requested after 14 days of inception of the Policy our MTA Fee is £10.

  • To make a Mid Term Adjustment within 14 days of inception of a new Policy there is no charge.

  • To cancel a Policy within 14 days of inception (within the cooling off period) ) as long as you don't intend to make a claim, or have made a claim, or have already travelled there is no charge.

  • To cancel a Policy after 14 days of inception as long as you don't intend to make a claim, or have made a claim, or have already travelled our Cancellation Fee is £35. You will receive a refund of premium based on the amount of time your policy has been in effect.

  • To process a credit card payment our Card Processing Fee is 2.5%.

  • 9: Premium payment

    You must pay ITHC all amounts shown on your Quotation and Medical Screening Documents in order to incept your cover. Cover will not be provided until all payments have been made and have cleared.

    We are under no obligation to fund premium to insurers on your behalf, therefore failure to pay the monies due will result in your cover not being issued.


    10: Client Money

    We are governed by strict rules pertaining to client money. ITHC does not have permission from the Financial Conduct Authority to hold client money. All money received by us from clients is paid into special accounts which form the property of the individual insurers through whom we transact insurance business. Such accounts are called ‘risk transfer’ by the Financial Conduct Authority and monies in these accounts are protected from claims by ITHC’s creditors. Any interest earned on these accounts will be retained by ITHC. By accepting these Terms of Business you are giving your consent for us to operate in this way.


    11: Risk Transfer

    We act as agents for insurers for the collection and refunding of premiums. This means that premiums are treated as being received by insurers when received in our bank account. Premium refunds are treated as received by you when actually paid over to you. There are occasions where such transactions are restricted and we will tell you if this is the case.


    12: Complaints

    We aim to provide the highest service standards at all times however, if for any reason you are not satisfied, we would like to hear from you. The procedure below has been put in place to ensure that your concerns are dealt with promptly and fairly. Please remember to quote your name as shown on your current schedule and the policy number in all correspondence and telephone calls.

    In the first instance, we would encourage you to notify your usual contact and ask for your complaint to be investigated. Alternatively, you can telephone our Compliance Officer on 0845 465 1717 or +44 (0) 1689 892 228. You may write to International Travel and Healthcare Limited, West House, 46 High Street, Orpington, Kent BR6 0JQ. United Kingdom.

    Email: info@int-travelandhealthcare.com.

    If we cannot resolve your complaint immediately, we will acknowledge it within 5 days. It will then be investigated. Our aim is to finally resolve the complaint within 8 weeks. If the complaint cannot be resolved in this time we will inform you and give reasons for the further delay and indicate when we expect to give a final response.

    If you were sold your insurance online or by other electronic means and within the European Union (EU) you may refer your complaint to the EU Online dispute Resolution (ODR) platform. Upon receipt of your complaint the ODR will escalate your complaint to your local dispute resolution service – this process is free and conducted entirely online. You can access the ODR platform on http://ec.europa.eu/odr

    If your insurance has been placed at Lloyd’s you may, if you remain dissatisfied, ask Lloyd’s to review your case by contacting Managing Agent Services, Lloyd’s Market Services, One Lime Street, London EC3M 7HA. Tel: 020 7327 5693 Email: complaints@lloyds.com

    If you are still unhappy with the delay, the way your complaint has been handled or, if your complaint has not been resolved to your satisfaction, you may refer it to the Financial Ombudsman Service (FOS), an independent body at:


    Exchange Tower, London E14 9SR. Tel: 0800 023 4567 or 0300 123 9123 Email: complaint.info@financial-ombudsman.org.uk Web: www.financial-ombudsman.org.uk

    Whilst the insurers are bound by the decision of the Financial Ombudsman Service, you are not and

    your right to take legal action is not affected.


    FINANCIAL SERVICES COMPENSATION SCHEME


    The insurers participating in this insurance are covered by the Financial Services Compensation Scheme (FSCS) which protects you in the unlikely event that the insurer is financially unable to pay claims made against it. For all non compulsory insurances, the FSCS will meet a maximum of 90% of any claim for compensation. There is no upper limit. Full details of the scheme can be obtained from FSCS website www.fscs.org.uk or by writing to Financial Services Compensation Scheme, 7th Floor Lloyds Chambers, Portsoken Street, London E1 8BN.


    Whilst the insurers are bound by the decision of the Financial Ombudsman Service, you are not and

    your right to take legal action is not affected.


    13: Data Protection – information uses

    For the purposes of the Data Protection Act 1998, International Travel and Healthcare Limited is the Data Controller for any personal data you supply. You may, with limited exceptions and on payment of an appropriate fee access and, if necessary, have corrected the information held about you. We will, on request, supply details of the databases, registers and agencies that we access.

    Sensitive data

    ITHC as well as participating insurers, their agents and other suppliers may need to collect data which the Data Protection Act defines as “sensitive” such as criminal convictions or medical history in order to assess your application, make changes to your policy, for medical screening purposes or to administer claims. The agreement to proceed with this policy signifies your consent to the information being used in this way.


    Marketing

    ITHC, its associated companies, representatives and agents may use your information to keep you informed by post, telephone, e-mail or other means about products and services which may be of interest to you. Your information may also be disclosed and used for these purposes after your policy has lapsed. If you do not wish your information to be used for these purposes please write to the Managing Director, International Travel and Healthcare Limited, West House, 46 High Street, Orpington, Kent BR6 0JQ.

    Administration and regulatory compliance

    The information you supply may be

  • used for insurance, medical screening and claims administration, debt collection, research and statistical analysis by us, our associated companies, representatives and agents, by other participating insurers, their agents and suppliers and, if relevant, your insurance intermediary

  • disclosed to regulatory bodies for monitoring and/or enforcing the insurers’ compliance with any regulatory rules and codes of conduct

  • shared with other insurers either directly or via those acting for them such as claims administrators, lawyers and investigators

  • shared with and checked against various databases, credit reference agencies, fraud prevention agencies and public bodies including the police when you apply for, renew this insurance or make a claim.


    Fraud detection and prevention

    ITHC, participating insurers and/or their representatives, agents and suppliers may, in order to detect and prevent fraud

  • check your identity to prevent money laundering unless you have provided us with satisfactory proof of identity

  • undertake checks against publicly available information such as the electoral roll, County Court Judgements and bankruptcy orders

  • validate your claims history or that of any insured person or property involved in a policy or a claim.


14: Security

Whilst we make every effort to ensure that cover is placed with financially strong insurers, we do not guarantee the solvency of any insurer with whom we place business. If a participating insurer becomes insolvent, you may still be liable for the premium, whether in full or pro rata. ITHC will not be responsible for any losses that you may incur as a result of any solvency difficulties experienced by insurers.


15: Financial Services Compensation Scheme

You may be entitled to compensation from the Financial Services Compensation Scheme (FSCS) which acts as a safety net in the unlikely event that we cannot meet our obligations. Insurance advising and arrangement is covered for first £2,000 and then 90% of the balance, in both cases without any upper limit. Full details of the scheme can be obtained from www.fscs.org.uk or by writing to the Financial Services Compensation Scheme, 7th Floor Lloyds Chambers, Portsoken Street, London E1 8BN.


16: Communications

Writing - All communications between you and ITHC including all communication of terms and conditions will be in English unless otherwise agreed in writing.

Electronic - Both we and you, may communicate with each other using electronic mail and attachments including via our website and by text. Both parties accept the inherent risks of using such means of communication. Electronic mail will be considered to have been received by the other party when actively acknowledged. Both parties are responsible for checking that messages received are complete and both agree that, in the event of a dispute, neither will dispute the legal evidential standing of an electronic document. Any agreement reached using electronic mail will be binding on both parties. If you do not want us to communicate with you via email you must please advise us before you incept your policy.

Telephone – Both we and you may communicate by telephone but it is agreed that no instructions requiring action will be left on any messaging service since neither party can guarantee that they will be received or acted upon.


17: Third party rights

No other person has any rights under the Contracts (Rights of Third Parties) Act 1999 to enforce any term of this agreement other than other member companies of ITHC.


18: Amendment to terms

ITHC may amend the terms of the agreement at any time by giving you fourteen days notice in writing.


19: Duration and termination

This agreement commences from the date that you appoint ITHC to act as your intermediary or you

instruct us to arrange insurances on your behalf whichever of these dates is the earlier.

This agreement will continue until you or we terminate it by giving seven days notice in writing. In the event of termination by you, ITHC will be entitled to receive all fees or brokerage payable (whether or not these have been received by us) in relation to all policies placed by us prior to termination of the agreement.


20: Governing law and jurisdiction

This agreement is governed by and construed in accordance with the laws of England and Wales. If there is a dispute, it will be subject to the jurisdiction of the courts of England and Wales.

PRIVACY POLICY

At ITHC we are committed to maintaining your privacy.

We operate a policy devoted to strict customer confidentiality at all times. The company is registered under the Data Protection Act 1998 (the Act). If we make any changes to this Privacy Policy we will immediately notify you by updating this statement on our websites.

Information Collected

We collect information via online feedback and ordering forms, by e-mail, fax and post. We may ask for your name, address, telephone number, fax number and e-mail address and/or any additional information sent voluntarily.

How do we use the information we have?

We collect information for the purposes of:

1. Supplying information about our products or services when requested.
2. Answering any questions or queries.
3. Fulfilling orders.
4. Providing a first class, confidential and effective service.

We may also use the information to keep you informed by post, e-mail or other available channels of features, services, products, promotions and special offers from us. We may sometimes use the information we collect to let you know about important functionality changes to our websites. If you prefer us not to provide you with any of this information, please let us know by emailing us at info@int-travelandhealthcare.com.

Disclosing the information we have

Customer information is always treated as strictly confidential. We will not disclose it to any third party (other than an affiliated company of ITHC) without the express permission of the customer except:

  • As required by law.
  • In the event that we sell or buy any business or assets, in which case we may disclose your personal data to the prospective seller or buyer of such business or assets.
  • If our company or substantially all of its assets are acquired by a third party, in which case personal data held by it about its customers will be one of the transferred assets.
  • If we are under a duty to disclose or share your personal data in order to comply with any legal obligation, or in order to enforce or apply our terms of use or terms and conditions of supply and other agreements; or to protect the rights, property, or safety of us, our customers, or others. This includes exchanging information with other companies and organisations for the purposes of fraud protection and credit risk reduction.

We may pass non-personal aggregated information about sales and website usage to reputable organisations for research or analysis purposes only.

In the unlikely event that information about you is transferred outside the European Economic Area we will take all steps reasonably necessary to ensure that your data is treated securely and in accordance with this privacy policy.

Links to other websites

Our website has a number of links to other websites. We have no control over their content and are therefore not responsible for their privacy practices. We never disclose personal information to sites linked to our website. This privacy policy applies solely to ITHC and information collected by us.

Security of information we have

Any information collected by us is collected and processed in accordance with the UK's Data Protection laws. We aim to ensure that the personal information you give us is kept secure and processed fairly and lawfully.

We take all reasonable precautions to protect all personal data that you may input via our websites, however, we cannot be responsible for and therefore exclude all liability for loss or misuse of personal data which is intercepted or otherwise accessed by unauthorised persons.

Removing your details

You may at any time have your details removed from our database. Simply email your request to us at info@int-travelandhealthcare.com. We will then ensure that your details are removed as soon as practicable.

The Act also gives you the right to access information held about you. Your right of access can be exercised in accordance with the Act. Any access request may be subject to a fee of £10 to meet our costs in providing you with details of the information we hold about you.

Customer information

By using our websites, you consent to the information you give us being processed for any of the purposes we have explained above except where we have received your email message through the email address info@int-travelandhealthcare.com.

Cookies

No cookies from our website are downloaded on to your computer.

Feedback

If you have any comments, queries or complaints relating to our Privacy Policy, please email us at info@int-travelandhealthcare.com.



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International Travel and Healthcare Limited is authorised and regulated by the Financial Conduct Authority. Our Firm Reference Number is 433367.
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