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 FCA'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 All products are subject to availability and may be withdrawn or amended at short notice.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 0844 412 4153. We will explain our complaints procedure and investigate your complaint straight away. Millennium Insurance is authorised and regulated by the Financial Conduct Authority/Firm reference No 308310. You can check these details at: www.fca.org.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 0844 412 4153 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.

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 0844 412 4153.

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 Unit 4 Sidings Court, Doncaster DN4 5NU. 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 0844 412 4153 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.