1. Introduction

Telegraph Medical Insurance Services is a service provided through The Private Health Partnership Ltd, registered in England (Registered Number 4512698).

A subsidiary of Skipton Building Society the registered address is The Bailey, Skipton, North Yorkshire. BD23 1DN

The Private Health Partnership is authorised and regulated by the Financial Services Authority (FSA) No 306306

2. Intellectual property rights

Unless otherwise stated, we or our licensors own the intellectual property rights in the website and material on the website. Subject to the licence below, all these intellectual property rights are reserved.

3. Licence to use website

You may view, download for caching purposes only, and print pages or other content from the website for your own personal use, subject to the restrictions below. You must not:

• republish material from this website (including republication on another website);
• sell, rent or otherwise sub-license material on the website;
• reproduce, duplicate, copy or otherwise exploit material on our website for a commercial purpose;
• edit or otherwise modify any material on the website; or
• redistribute material from this website, except for content specifically and expressly made available for redistribution.

4. Limitations of liability

The website may contain hypertext links to third party websites. We are not responsible for such third party websites or their content. If you decide to access any third party websites linked to the website, you do so at your own risk.

The information on this website is provided free-of-charge, and you acknowledge that it would be unreasonable to hold us liable in respect of this website and the information on this website.

Whilst we endeavour to ensure that the information on this website is correct, we do not warrant its completeness; nor do we commit to ensuring that the website remains available or that the material on the website is kept up-to-date.

Our liability is limited and excluded to the maximum extent permitted under applicable law. We will not be liable for any direct or indirect loss or damage arising under these terms and conditions or in connection with our website, whether arising in tort, contract, or otherwise. Without limiting the generality of the foregoing exclusion, we will not be liable for any loss of profit, contracts, business, goodwill, data, income, revenue or anticipated savings arising under terms and conditions or in connection with our website, whether direct or indirect, and whether arising in tort, contract, or otherwise.

However, nothing in these terms and conditions shall exclude or limit our liability for fraud, for death or personal injury caused by our negligence, or for any other liability which cannot be excluded or limited under applicable law.

5. Terms of Business

Accepting our Terms of Business

By asking us to quote for, arrange or handle your insurances, you are providing your informed agreement to these Terms of Business. We draw your particular attention to the section headed ’Use of personal data’, and specifically the paragraph explaining how ’sensitive personal data’ will be used. If you are unsure about any aspect of our Terms of Business or have any questions regarding our relationship with you, please contact us at the above address.

The Financial Services Authority

The Private Health Partnership Limited is authorised and regulated by the Financial Services Authority (FSA). Our FSA Register number is 306306. Our permitted business is advising, arranging, dealing as agent and assisting in the administration and performance of general insurance contracts. You may check this on the FSA’s register by visiting the FSA website, www.fsa.gov.uk/register or by contacting the FSA on 0845 606 1234.

Our Service

Our role is to advise you and make a suitable recommendation after we have assessed your needs. In situations where we are able to arrange insurance for you but do not offer advice, we shall confirm the position to you in writing. We will not in any circumstances act as an insurer nor guarantee or warrant the solvency of any insurer.

• We offer Private Medical Insurance products from a range of insurers.
• We only offer Travel, Dental, and Cash Plan products from a limited number of insurers. (You may ask us for a list of the insurers we deal with for these products).

Payment for our services

You will receive a quotation which will tell you the total price to be paid, and which identifies any fees, taxes and charges separately from the premium, before your insurance arrangements are concluded. Quotations are valid at time of issue and can normally be expected to remain valid for a period of 30 days; however, we cannot guarantee this, as insurers do not always give us 30 days notice of changes to their premium rates. On receipt of your completed application form, we will advise you if any change has been made to the premium rates before proceeding. We normally receive commission from insurers or product providers. On request, we will be pleased to provide information about any commission received by us in the handling of your insurances. If we need to make a charge for any additional services we agree to provide for you, this will be notified to you prior to the service being provided. In addition we also draw your attention to the sections headed ’Cancellation of Insurances’ and ’Termination of Authority’.

Complaints & Compensation

We aim to provide you with a high level of customer service at all times, but if you are not satisfied, please contact us in writing, by email or telephone. If you are still not satisfied, you may be entitled to refer the matter to the Financial Ombudsman Service. Your insurer also operates a complaints procedure, details of which are in your Policy. We are covered by the Financial Services Compensation Scheme (FSCS). 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. Insurance advising and arranging is covered for 100% of the first £2,000 and 90% of the remainder of the claim without any upper limit. Further information about compensation scheme arrangements is available from the FSCS on 020 7892 7300 or www.fscs.org.uk.

Conflict of Interests

Occasions can arise where we or one of our associated companies, clients or product providers will have a potential conflict of interest with business being transacted for you. If this happens and we become aware that a potential conflict exists, we will write to you and obtain your consent before we carry out your instructions, and detail the steps we will take to ensure fair treatment.

Use of Personal Data

We will process any personal information we obtain in the course of providing our services to you in accordance with the Data Protection Act 1998. In administering your insurances it will be necessary for us to pass such information to insurers and other products or services providers which may also provide us with business support.

We may pass your personal information onto third party product providers to enable us to provide details to Telegraph Medical Insurance Services (where necessary). In addition, we will use your personal information in the ways described below.

Your personal information will also be provided to the Telegraph Media Group Ltd for their use in accordance with the purposes notified to you and the consents given by you from time to time. Telegraph Media Group Limited’s privacy policy can be found at www.telegraph.co.uk/privacy.

We may also release your personal information to others if we need to prevent fraud or we are required or permitted to do so by law (for example, if we receive a legitimate request from police or another authority); or there are any other circumstances where you have given your permission.

Telegraph Media Group Limited will be the data controller (for the purposes of the Data Protection Act 1998) of your data if you contact us with an initial enquiry or for further information. Once you become a client, Telegraph Media Group Limited and The Private Health Partnership Ltd will become joint data controllers of your data. In addition both parties may process your data in order to provide you with the service or in accordance with the consent and preferences you have indicated to us with regard to our use of your data for marketing purposes.

Data Controllers

Telegraph Media Group Limited will be the data controller (for the purposes of the Data Protection Act 1998) of your data if you contact us with an initial inquiry or for further information. Once you become a client, Telegraph Media Group Limited and The Private Health Partnership Ltd will become joint data controllers of your data. In addition, both parties may process your data in order to provide you with the service or in accordance with the consents and preferences you have indicated to us with regard to our use of your data for marketing purposes.

Your Responsibilities

You are responsible for providing the complete and accurate information which insurers require in connection with any proposal for insurance cover. This is particularly important before taking out a policy and at renewal, but it also applies throughout the life of a policy. If you fail to disclose any material fact or other information material to the insurance this could invalidate the policy and mean that claims may not be paid. You should check all details on any proposal form or application form and pay particular attention to any declaration you may be asked to sign. You should inform us immediately of any changes in circumstances that may affect the services provided by us or the cover provided by your policy.

It is important that you read all insurance documents issued to you and ensure that you are aware of the cover, limits and other terms that apply. You are advised to keep copies of documentation sent to or received from us for your own protection. If you are unsure about any matter, please contact us for guidance.

Claims

You should take note of the required procedures in the event of a claim, which will be explained in the policy documentation. Generally, insurers require immediate notification of a claim or circumstances which might lead to a claim. You should not incur expenses until you have agreement from your insurer.

Handling Client Money and/or Insurer Money

We hold all client money collected for onward transmission to the insurance undertaking in a Client Bank Account under a Statutory Trust in accordance with the authorisation we have from the Financial Services Authority to do so. For the purpose of some transactions, client money may pass through other authorised intermediaries before it is received by the insurer. Where we collect or hold money as agent of the insurance undertaking you will be notified accordingly. Interest will not be paid to customers in respect of money held in client bank accounts. Commission will be withdrawn from the client bank account when it becomes due and payable to the firm in accordance with our agreement with the insurers.

Cancellation of Insurances

You should make any request for the cancellation of a policy in writing and any relevant certificate of insurance should be returned to us or to the insurer concerned. The terms of your policy may allow insurers to retain the premium in full or to charge short-period premiums in the event of cancellation before the policy expires. We will be entitled to retain commission received, together with all fees charged by us for services provided.

Subject to your immediate settlement of any outstanding premiums and fees, you may instruct us to stop acting for you and we will not impose a penalty. Your instructions must be given in writing and will take effect from the date of receipt. In circumstances where we feel we cannot continue providing services to you, we will give you a minimum of 14 days notice. Unless otherwise agreed in writing, if our relationship ends, any transactions previously initiated will be completed according to these Terms of Business. You will be liable to pay for any transactions concluded prior to the end of our relationship and we will be entitled to retain commission received for conducting these transactions, together with all fees charged by us for services provided.

Note

Your acceptance of these Terms of Business does not affect your normal legal rights.

6. Variation

We may revise these terms and conditions from time-to-time. Please check this page regularly to ensure you are familiar with the current version.

7. Entire agreement

These terms and conditions, together with our privacy policy, constitute the entire agreement between you and us in relation to your use of our website, and supersede all previous agreements in respect of your use of this website.

8. Law and jurisdiction

This notice will be governed by and construed in accordance with English law, and any disputes relating to this notice shall be subject to the exclusive jurisdiction of the courts of England.

9. Registrations and authorizations

We are subject to The Data Protection Act, which is supervised by the Information Commissioner. We are registered with the Information Commissioner’s Office.

10. Our contact details

The full name of our company is The Private Health Partnership Limited. We are registered in England under registration number 4512698. Our Head Office is Butterfield Park, Otley Road, Baildon, West Yorkshire. BD17 7HE. Our registered address is The Bailey, Skipton, North Yorkshire, BD23 1DN.