Terms & Conditions
These Terms and Conditions set out the terms on which you may make use of this Website under the domain name www.cactuscover.com (“
INFORMATION ABOUT US
Cactus Cover is a registered trading name of Anglo Pacific Consultants (London) Ltd. www.cactuscover.com is a site operated by Anglo Pacific Consultants (London) Ltd, whose registered office and principle place of business is at 80 Leadenhall Street, London EC3A 3DH. APC is a MGA and Lloyd’s Insurance Broker authorised and regulated by the Financial Conduct Authority (FCA) www.fca.org.uk – FRN 304782 under Section IV of the UK Financial Services and Markets Act 2000.
In these Terms and Conditions unless the context otherwise requires:
“APC” or “our” or “us” or “we” means Anglo Pacific Consultants (London) Limited “authorised transactions” are transactions or communications which are either in fact conducted and authorised by you or by an authorised third party on your behalf or which we are entitled to assume are authorised pursuant to these Terms and Conditions “contract of insurance” means a concluded contract of insurance obtained through your use of this site “site” means this Website and the Cactus Cover internet trading site “Terms and Conditions” means these Terms and Conditions “you” and “your” means you, the person(s) accessing this site, and where the context so requires, includes any party on behalf of whom you use this site. We reserve the right to change these Terms and Conditions from time to time. You agree to be bound by the version of these terms which appears on the site at the time of your access.
Accordingly you should check these Terms and Conditions every time you access the site.
Any contract of insurance effected through Cactus Cover will be subject to the relevant Certificate and Policy terms and conditions. It is your responsibility to carefully check the relevant Certificate and Policy terms and conditions.
“APC” is a registered trade mark owned by Anglo Pacific Consultants (London) Ltd.
We control and operate the site from England and the information delivered via the site is deemed to have been delivered in England. APC makes no representation that the material contained in the site is appropriate for use outside the United Kingdom and Europe. This site is not directed to any person in any jurisdiction where (by reason of that person’s nationality, residence or otherwise) its publication or availability is prohibited. Persons to whom such restrictions apply must not access this site. You shall be solely responsible for any legal proceedings or other consequence which may arise from you choosing to access this site from outside the United Kingdom and Europe. This site and any transactions effected through it shall be governed by English Law. The English Courts shall have exclusive jurisdiction in any legal proceedings.
All products are subject to availability and may be withdrawn or amended at any time prior to conclusion of a contract of insurance.
If you have any reason to complain about any of our products or services, let us know straight away by contacting our Complaints Officer (see “Contact Us”). We will explain our complaints procedure and investigate your complaint straight away.
USE OF THE CACTUS COVER INTERNET TRADING SITE
To obtain a quotation you must enter a valid e-mail address and telephone number (“Your Login”). You must use all reasonable endeavours to prevent unauthorised or fraudulent use of Your Login. You must tell us as soon as possible by contacting us (see “/contact-us” target=”_blank”>Contact Us”) if you know or suspect that an unauthorised person is aware of Your Login. Until you contact us accordingly, we will be entitled to assume that all transactions effected via Your Login are authorised transactions and we shall be entitled to act upon these without further investigation. We will not be liable to you for acting on or processing such transactions or communications, or otherwise treating such transactions or communications as authorised transactions. You will indemnify us for any loss we suffer as a result of misuse of Your Login, where such misuse results from your failure to use reasonable endeavours to prevent unauthorised or fraudulent use. You will not post any material to the Cactus Cover site which is obscene, defamatory, threatening, or otherwise actionable at law or which would constitute a criminal offence. You will indemnify us against any loss we may suffer by reason of any breach by you of this obligation. We may terminate your use of Cactus Cover immediately if we feel that Cactus Cover has been, is being, or is about to be, misused in breach of these Terms and Conditions.
AVAILABILITY AND ACCURACY
We will try to keep the information on Cactus Cover as accurate and up-to-date as possible but no warranty or representation (express or implied) is given regarding the accuracy of any information contained on the site, and any such warranty or representation is excluded to the fullest extent permitted by law. While the site is scanned for viruses, the success of this is not guaranteed. No warranty is given as to the freedom of the site from defects, viruses, malicious programs, macros or any other material which is likely to cause harm to your or anyone else’s computer systems, and you should carry out your own checks. Notwithstanding the generality of the foregoing, you should carefully review the contents of any certificate, attached schedule, endorsements and proposal form originated via Cactus Cover. Any contract of insurance effected through Cactus Cover will be subject to the Terms and Conditions shown on the relevant certificate. It is your responsibility to carefully check the relevant certificate conditions. If any information set out in any of these items is incorrect, you must notify us immediately (see “Contact Us”). Failure to do so may invalidate all or part of the insurance cover provided. You agree to indemnify and keep APC indemnified from and against all liabilities costs claims and demands arising from or in respect of your failure to check such items or to notify us of any inaccuracies. If you are in any doubt as to whether certain facts are relevant or not, please call us (see “Contact Us”). Where there is any conflict between the provisions of these Terms and Conditions and those of any such items, the provisions of the relevant item shall prevail.
We accept no liability in contract, tort or otherwise including negligence for:
- inability to gain access to the site as a result of routine or emergency maintenance on the system or excessive demand for the site;
- loss of data including both data transmitted and other data held by you;
- delay or failure in transmitting or receiving material.
INTELLECTUAL PROPERTY RIGHTS
All material contained on the site are proprietary to Anglo Pacific Consultants (London) Limited, or its third party licensors. All intellectual property rights on the site are reserved to Anglo Pacific Consultants (London) Limited or its third party licensors
You may not:
- Copy, tamper or alter, distribute or use any material or design contained within Cactus Cover except as is expressly permitted by these Terms and Conditions or with our prior written consent.
- Re-use any content of Cactus Cover for any other purpose whatsoever.
- Any data generated by Cactus Cover, including any data and the certificates of insurance effected via Cactus Cover, shall belong to us.
LINKS TO OTHER WEBSITES
We do not accept any responsibility for the contacts of any third party website that may be linked to the site by way of hypertext link or other means of reference. You may not link the site to another site without our prior written consent.
APC takes security very seriously and uses a security system which we believe to be one of the strongest available to protect your communications with us. Whenever you fill in a form, such as a request for a quote, it is automatically protected using software called a Secure Socket Layer (SSL) between your computer and ours. SSL works in the following ways:
- It prevents impersonation – you can tell that you are using a genuine SSL site by the padlock symbol at the bottom of the screen. Clicking on the padlock will reveal our Registration Certificate that is issued by a third party.
- It encrypts data – as soon as your computer has recognised our computer they encrypt all information that is passed between them. Data encryption means that no one else can read or change your information as it travels over the Internet.
- It prevents scrambling – SSL uses a Message Authentication Code (MAC) to prevent anyone tampering with our Internet site. Your computer will always check this code before it takes a message from us. This means that if anyone tried to interfere with a message, your computer would not recognise the code and would alert you. The Internet cannot be guaranteed as being secure and accordingly we do not offer any warranties or assurances in this respect. Similarly, whilst we may communicate with you via e-mail or via the Cactus Cover site itself, we cannot accept any liability for the security or transmission of such e-mail or internet-based communications.
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. APC are not 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, APC may monitor and/or record communications (whether over the Internet, telephone or otherwise) between you and us.
COOLING OFF PERIOD
If you decide to purchase a contract of insurance from APC you have the right to change your mind whereby you may cancel a contract of insurance effected through Cactus Cover provided you have not made a claim under such contract of insurance and we receive written confirmation of cancellation (by post, fax or e-mail – see “Contact Us”) within 14 days of the date the insurance is concluded. If you are able to and do cancel within such 14 day period we will refund any premiums and IPT paid however we will retain our Policy Administration Fee.
- Cactus Cover, a trading name of Anglo Pacific Consultants (London) Ltd
- Registered in England and Wales
- Registered Number: 2852425
- Registered Office: 80 Leadenhall Street, London, EC3A 3DH