Terms and Conditions for using this site
You should read these Website Terms and Conditions carefully as they form part of
the Contract formed between you and Millennium Insurance (or “us” or “we”). Your
access to and use of this website is governed by t he provisions of these Website
Terms and Conditions. By using this web site, you agree to these Conditions of use
and you agree to the use of your and your clients personal data in accordance with
the terms of the Privacy Policy. You should check these Website Terms and Conditions
every time you access this site since you will be bound by whatever version appears
on the site at the time of your access, although we shall use reasonable endeavours
to notify you of any material changes to Policy Terms and Conditions. Any insurance
business effected through Millennium will be subject to the relevant Policy or Certificate
terms and conditions. It is your responsibility (as agent for the Insured policyholder)
and that of the policyholder to carefully check the relevant Policy conditions meet
the customers Demands and Needs and that your sales processes meet the relevant
ABI Guidelines and Statutory Regulations as imposed by FSA's MCOB and/or ICOB rules
effective 31 Oct 2004 / 14 Jan 2005 or as amended thereafter.
Jurisdiction
We control and operate the Internet site from England and the information delivered
via our Internet site is deemed, to have been, delivered in England is for use by
UK Residents only. Millennium makes no representation that the material
contained in the internet site is appropriate or available for use in other locations
and is not soliciting any business from any location outside the United Kingdom.
Our Internet 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 Internet
site. If you choose to access this site from outside the United Kingdom you are
solely responsible for compliance in any legal proceedings. English law governs
the Millennium Internet site and any transactions effected through it. The English
Courts shall have exclusive jurisdiction in any legal proceedings. All products
are subject to availability and may be withdrawn or amended at short notice.
Complaints
If you have any reason to complain about any of our products or services, let us
know straight away by calling our offices on 01952 282000. We will explain our complaints
procedure and investigate your complaint straight away. Millennium Insurance is
authorised and regulated by the Financial Services Authority/Firm reference No 308310.
You can check these details at:
www.fsa.gov.uk/register.
Use of the Quotation tool (Millennium Insurance Quotation Engine)
You have been granted a unique (“PartnerID”) and (“Password”) to access the Millennium
Insurance Business Partner site. You must keep your own PartnerID and Password secret.
You must use all reasonable endeavours to prevent unauthorised or fraudulent use
of the PartnerID and Password. You must tell us as soon as possible by telephoning
01952 282000 if you know or suspect that someone else is aware of your PartnerID
or Password. Millennium will be entitled to assume that all transactions are (“Authorised
Transactions”) and effected via your PartnerID and Password. Authorised Transactions
are deemed to be authorised and conducted by you or on behalf of you and we will
act upon these without further investigation. All insurance premiums and/or time
on risk changes or administration costs incurred by us will be your responsibility
and will remain payable to Millennium at all times. We will not be obliged to adjust
or reverse any instructions or transactions arising from an Authorised Transaction
and we will not be liable to you for acting on or processing such transactions or
communications, or otherwise acting on Authorised Transactions. You will indemnify
us for any loss we suffer as a result of misuse of your Username and Password, 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 Millennium 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
Millennium Insurance Business Partners site upon giving you seven days written notice,
if practicable, or immediately if we feel that our products or services have been,
is being, or is about to be, misused in breach of these Website Terms and Conditions.
Privacy Policy and Data Protection
During the course of your use of the Millennium Insurance Business Partners site
you will provide to us personal data (as defined by the Data Protection Act 1998).
We may use such personal data on the basis set out below. If you choose not to pass
this data to us you acknowledge that we will be unable to consider any application
for insurance cover. You may ask us to remove or alter the personal data that is
held by us in the event of inaccuracies but this may also affect the personal data.
We will use this data to process that application for insurance, to facilitate the
entering into of any insurance contract, for the performance of necessary tasks
during the existence of any insurance cover, and acts related to such insurance
cover after such period has ended (including the provision of such information to
insurers and to third parties engaged in the claims process, to the extent necessary
to enable the processing, defence and investigation of any claims). We may also
need to pass the personal data to Lloyd’s, the FSA or other regulatory bodies or
the Financial Ombudsman's Service (FOS). We may also use the data for research and
statistical purposes. This site uses cookies as a way of facilitating your use of
the Millennium Insurance Business Partners site and you consent to our collection
of such data in connection with your use of the site. You warrant that you have
all requisite consents to pass to Millennium any personal customer data and to enable
us to process the data as set out above, including to pass the personal data outside
the EEA. The data controller will be Millennium Insurance Brokers Limited, whose
address is:
Millennium House
New Street
Newport
Shrophire
TF10 7AX
Availability and Accuracy
We will endeavour to keep the information / documentation on the Millennium Insurance
Business Partners site as accurate and up-to-date as possible but we do not make
any guarantees regarding the accuracy of any information contained on the site,
or in respect of the availability of the site. You are responsible for checking
that any information provided by the Millennium Insurance Business Partners site
is correct. You will inform us promptly if you become aware of any inaccuracies
or incompleteness in the information contained in our website No warranty or guarantee
is given that our website is free from defects, viruses, malicious programs or macros.
You (as agent for the Assured) should carefully review the contents of any certificate,
schedule, endorsements statement of fact or proposal / application form originated
via the Millennium Insurance Business Partners site. If any information set out
therein is incorrect, you must notify us immediately. Failure to do so may invalidate
all or part of the insurance cover provided. If you are in any doubt as to whether
certain facts are relevant or not, please call our Business Partner Support Team
01952 282000.
Intellectual Property Rights
All material contained in the Millennium Insurance Business Partners site is proprietary
to Millennium Insurance Brokers Ltd, or its third party IT Consultants, EastlakeDesigns
Ltd. All intellectual property rights in the Millennium Insurance Business Partners
site are reserved to Millennium and EastlakeDesigns Ltd. On accepting your application
for Business Partner status and granting you a PartnerID and Password Millennium
grants you a limited licence to: Access any part of the site you are authorised
to access; and print off pages from the site insofar as is necessary to obtain quotes,
effect a contract of insurance (including printing a full copy of the relevant policy),
or utilise the other functions made available to you by the site.
You may not:
- Copy, tamper or alter, distribute or use any material or design contained within
the Millennium Insurance Business Partners site except as is expressly permitted
by these Website Terms and Conditions or with our prior written consent.
- Re-use any content of the Millennium Insurance Business Partners site for any other
purpose whatsoever.
Any data generated by Millennium Insurance Business Partners site and the Millennium
Insurance Quotation Engine, including any data relating to assureds and the certificates
of insurance effected via the Millennium Insurance Business Partner site, shall
belong to us. Millennium Insurance Brokers Ltd is registered in England and Wales.
Registered office at Millennium House New Street Newport Shrophire. Registered number
2103848
Links to other web sites
We do not accept any responsibility for the contacts or content of any third party
website that may be linked to from the Millennium Insurance Business Partners site
by way of hypertext link or other means of reference. You may not link to the Millennium
Insurance Business Partners site from another site without our prior written consent.
If you would like to create such a link, please contact the Managing Director on
01952 282000 stating the purpose and details of the site owers.
Security of Data
Millennium take personal data security very seriously and use one of the strongest
available security systems 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 Comodo class 3 security services
CA, a specialist Internet security company.
- 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 Millennium Insurance Business Partners site itself,
we cannot accept any liability for the security or transmission of such e-mail or
internet-based communications.
Cancellation
If the policyholder cancels their policy within 14 days of inception, and they have
not made a claim or indicated their intention to do so, all payments collected by us
will be refunded in full on receipt of the policyholders written instructions.
In the event that the policyholder cancels after 14 days, wherever possible we will
apply a pro rata rate of cancellation. Please note: Under the terms and conditions
of some policies, No refunds will be given at all after 14 days. Any administration
fees incurred by or applied by Millennium in the creation of the policy documents are
not refundable. Other charges for administration are published in the Key Facts
and or Millennium's Intial Disclosure document.