- Governed by English Law
This Website is established in the UK in accordance with the laws of England and
will be governed by the laws of England. When you use the Website, you accept that
your use of the Website and any information on the Website, will also be governed by
English law and if any dispute arises from your use of the Website or any of the
information on it, you agree to allow such dispute to be heard in the English
courts.
Services described in this Website are only available in the jurisdictions where
we are licensed or authorised by local law or regulation. Up to date information
on licensing and authorisation can be obtained from us.
- Local Jurisdictions
The distribution of information on the Website may be restricted by local law
or regulation in certain jurisdictions. This information is not intended for
distribution to, or use by, any person or entity in any such jurisdiction and
persons accessing these pages should inform themselves about and observe any
such restrictions. Any contact made through this Website should be reviewed to
determine whether such a response is permissible under the local regulatory
regime. Under no circumstances will any contract exist between you and us
should any such contact be made.
If you are in any doubt as to whether this Website can be lawfully used by
you please discontinue use immediately.
- Information Accuracy
We have given the information on the Website in good faith. We have taken
the information from our own and other sources which we believe to be reliable.
Although we have made all reasonable efforts to ensure that all of the
information on the Website is accurate at the time of inclusion, we do not
represent that this is the case and it should not be relied upon as such.
Please note that we may update or alter the information on this Website at any
time without giving notice of the alterations. Any opinions and estimates
expressed reflect our judgement at this date and are also subject to change
without notice. Accordingly we make no representation or warranty in respect
of the information and accept no responsibility for any omissions or
inaccuracies or any loss or damage which may arise from reliance upon the
information provided. If you do not understand or if you have any queries
on any of the information on the Website, we recommend that you consult a
professional adviser.
- Email Security
You can contact us by e-mail from this Website. However, please note that
the sending of personal information via e-mail over the Internet may not be
secure and can be intercepted by third parties or incorrectly delivered.
You should not divulge personal information over the Internet unless you
are using a secure or encrypted communications technology.
You are reminded that when you enter other websites via such hypertext
links, you will not be subject to these terms and conditions and you will
not benefit from the protections afforded to you in using our Website. In
particular, hypertext links to pages which contain information or
advertisements about insurance products are provided for your convenience
only. We are not responsible for the content of such pages and make no
recommendation or representation about such products or services.
- Copyright
Copyright in the Website and the information set out on it is licensed
to us. We reserve the right to take such action as may be necessary in
the protection of the copyright.
- Complaints
If our service does not meet your expectations, please let us know about it
either by telephone or in writing.
If the complaint is by telephone, the member of staff with whom you are dealing
will respond immediately if they have the experience and authority to do so. If
they are unable to resolve the matter immediately the following steps will be taken.
Alternatively you may contact Mr John Dodd (Managing Director) by telephone
01590 670055; by fax 01590 670155 or by email to jd@denovo-group.com
What will happen next?
- We will record your complaint in our Central register and retain all
correspondence on the subject of your complaint.
- We will investigate your complaint and will respond to you within 5 working
days. This may involve one or more of the following steps: -
- We will deal with your complaint at the earliest possible opportunity
and in any case we will let you have a written response within 20 working
days of receipt of the complaint.
- If however, the complaint is sufficiently complicated to warrant longer
investigation or it requires a review of information outstanding from another
party you will be advised accordingly.
- If a response cannot be given within 20 working days you will be informed
in writing of the reasons why we have been unable to resolve the complaint
and need more time to do so.
- We will advise you when you can expect to receive our final response.
- If you are not satisfied once we have made a decision on your complaint you
can write to us again. We will then arrange to review our decision.
If you cannot settle your complaint with us, you may be entitled to refer it to the
Financial Ombudsman Service. Their contact details are as follows: -
Financial Ombudsman Service
South Quay Plaza
183 Marsh Wall
London, E14 9SR
- Your Right to Cancel (Private Clients Only)
You may cancel your policy up to 14 days from the start of the contract. If
you decide within this period that you do not want the policy your premium
will be refunded (less a £25.00 administration fee) provided that you have
not made a claim. After expiry of this 14 day period you will be able to
cancel the policy as per the cancellation clause in the policy terms and
conditions.
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