Terms & Conditions
These terms and conditions govern your use of our site and your relationship with us. Please read them carefully as they affect your rights and liabilities under the law. If you do not agree to these terms and conditions, please do not register for or use our Site. If you have any questions on the terms and conditions, please contact email@example.com
1.1 When the following words are used in these Terms, this is what they will mean.
1.1.1 “Added Client” means a client added to our site by an Intermediary or Service Provider for the purposes of obtaining quotes, managing the policy or accessing the Service Partners introductory services.
1.1.2 “Client” means an insurance policy holder client of an Intermediary or Service Provider.
1.1.3 "Data Controller" has the meaning set out in section 1(1) of the Data Protection Act 1998.
1.1.4 "Data Subject" means an individual who is the subject of Personal Data.
1.1.5 “FCA” means the Financial Conduct Authority or such other body which may from time to time assume the regulatory functions of the FCA.
1.1.6 “Fixed Term” means the fixed term of this agreement as provided for at clause 4.4.
1.1.7 “Insurers” means such insurers who are detailed on our site from time to time who have agreed to provide quotations to Registered Users upon receiving submissions via our site
1.1.8 “Intermediary” means a financial advisor or other intermediary advisor who is acting for and on behalf of a client.
1.1.9 “our site” means the website through which our Services are provided which is currently at www.grconnect.co.uk.
1.1.10 “Our Fee” means the fee payable to us for use of our site for the relevant period as stated in Clause 4.5.
1.1.11 "Personal Data" has the meaning set out in section 1(1) of the Data Protection Act 1998 and relates only to personal data, or any part of such personal data, in respect of which you are the Data Controller and in relation to which we are providing services as described in these terms and conditions and on our site from time to time.
1.1.12 "Processing and process" have the meaning set out in section 1(1) of the Data Protection Act 1998.
1.1.13 “Register” means registering as either a User or our site for the provision of the Services and “Registered” means a user who has applied to Register and been accepted as a Registered User on our site.
1.1.14 “Registered User” means a user who has Registered to use our site and whose Registered status has not lapsed or terminated as provided in these terms and conditions.
1.1.15 “Registration” means the process of becoming a Registered User on our site.
1.1.16 “Renewal” means the process of renewing your status as a Registered User following expiry of the fixed term and “Renew” shall be construed accordingly.
1.1.17 “Services” means the provision of an online portal allowing Registered Users to submit applications to Insurers for quotations for group risk insurance and other services that are available through our site.
1.1.18 “Service Partners” means third party companies detailed from time to time on our site who will agree to provide services to you or your clients at special rates or offers unique or tailored for Registered Users of our site.
1.1.19 “Service Provider” means a solicitors or accountants practice or similar business whereby professional services are provided for the benefit of clients.
1.1.21 “User Company” means a company or partnership seeking the benefit of the Services for their own benefit and which is not an Intermediary or a Service Provider other than where an Intermediary or Service Provider is seeking the benefit of Services for their own benefit and not for the benefit of their clients;
1.1.22 “VAT” means Value Added Tax or any other substituted or similar sales tax enforced from time to time.
1.1.23 “we/our/us” G R Connect Limited a company incorporated and registered in England & Wales under company number 08327854 which has its registered office at 9 Honey Hill Drive Deanshanger Milton Keynes, MK19 6GF.
1.1.24 “You/Your” means you the person who is applying for Registration or Renewal.
1.2 When we use the words “writing” or “written” in these Terms, this would include email unless we say otherwise.
1.3 The headings in these Terms are for convenience only and do not affect its interpretation.
1.4 In these Terms, the words “include”, “includes”, “including” and “such as” are to be construed as if they were immediately following by the words “without limitation”.
1.5 In these Terms, unless the context clearly indicates another intention:
1.5.1 reference to one gender includes all other genders;
1.5.2 reference to the singular includes the plural and vice versa;
1.5.3 reference to a clause is a reference to a clause of these Terms;
1.5.4 obligations undertaken by more than a single person or company are joint and several obligations;
1.5.5 reference to a statutory provision is a reference to that provision as modified or re-enacted or both from time to time and to any subordinate legislation made under the same statutory provisions;
1.5.6 reference to a document is a reference to that document as from time to time supplemented or varied;
1.5.7 a number of days shall be reckoned exclusively of the first day and inclusively of the last day; and
1.5.8 any reference to a person includes natural persons and partnerships, firms and other unincorporated bodies, corporate bodies and all other legal persons of whatever kind and however constituted.
2. Use of this site
2.1 You confirm that you are a business and that you are or will use our site in your capacity as a business and not as a consumer. Our site is not designed for use by consumers and therefore if you are a consumer you should not Register to use our site.
2.2 Our site is provided for Registered Users to use the Services.
2.3 In using the Services or by virtue of being a Registered User you will have access to the services offered from time to time by the Service Partners.
2.4 If You are a Service Provider and You are using our site in such capacity and not as a User Company You are not permitted to access any insurance quote generation facilities and You will not take any steps to attempt to circumvent such restriction.
2.5 You may only use the policy, quote request and Service Partner referral services on our site in respect of Added Clients. You are not permitted to add and delete clients during the Fixed Term in order to manipulate the permitted number of Clients limit as detailed during the registration process. Any deletion of Clients from our site is only permitted if such a Client ceases to exist. If you use our site in contravention of the provisions of this clause 2.5 we may cancel your registration in accordance with Clause 9.
2.6 By using our site you agree to be bound by these Terms.
We may update these Terms from time to time for legal or regulatory reasons or to allow the proper operation of our site. Any changes will be notified to you via the email address provided by you on registration or via a suitable announcement on our site. The changes will apply to the use of our site after we have given notice. If you do not wish to accept the new Terms you should not continue to use our site. If you continue to use our site after the date on which the change comes into effect, your use of our site indicates your agreement to be bound by the new Terms.
4.1 You must ensure that the details provided by you on Registration or at any time are correct and complete.
4.2 You must inform us immediately of any changes to the information that you provided when registering by updating your personal or contact details in order that we can communicate with you effectively.
4.3 If you apply to become a Registered User or apply for a Renewal of your Registration then the registration fee shall be paid on a wholly non-refundable basis in accordance with Clause 4.4 save as provided at clause 4.6 below.
4.4 Your status as a Registered User shall continue for the initial fixed term stated in the Registration process at which time you will cease to be a Registered User and your access as such to our site will end unless and until you Renew as a Registered User.
4.5 Our Fee payable by you is as detailed from time to time during the Registration process and shall be exclusive of VAT unless otherwise indicated.
4.6 We reserve our right to refuse to accept any applications for Registration or Renewal.
5. Password and Security
5.1 When you register to use our site, you will be asked to create a password. In order to prevent fraud, you must keep this password confidential and must not disclose it or share it with anyone. If you know or suspect that someone else knows your password you should notify us by contacting firstname.lastname@example.org immediately.
5.2 If we have reason to believe that there is likely to be a breach of security or misuse of our site we may require you to change your password or we may suspend your account.
6. Intellectual Property
The content of our site is protected by copyright, trademarks, database rights and other intellectual property rights. You may retrieve and display the content of our site on a computer screen, store such content in electronic form on disk (but not any server or other storage device connected to a network) or print one copy of such content for your own personal, non-commercial use, provided you keep intact all and any copyright and proprietary notices. You may not otherwise reproduce, modify, copy or distribute or use for commercial purposes any of the materials or content on our site without our written permission.
7. Your use of our site
7.1 You may not use our site for any of the following purposes: -
7.1.1 disseminating any unlawful, harassing, libellous, abusive, threatening, harmful, vulgar, obscene, or otherwise objectionable material or otherwise breaching any laws;
7.1.2 in anyway that breaches any applicable local, national or international law or regulation;
7.1.3 to knowingly introduce viruses, Trojans, worms, logic bombs or other material which is malicious or technologically harmful. You must not attempt to gain unauthorised access to our site, the server on which our site is stored or any server, computer or database connected to our site. You must not attack our site via a denial of service attack or a distributed denial of service attack. By breaching this provision, you would commit a criminal offence under the Computer Misuse Act 1990. We will report any such breach to the relevant law enforcement authorities and we will cooperate with those authorities by disclosing your identity to them. In the event of such breach your rights to use our site will cease immediately;
7.1.4 in any way that is unlawful, fraudulent, or has any unlawful or fraudulent purpose or affect; or
7.1.5 to transmit or procure the sending of any unsolicited or authorised advertiser or promotional material or any other form of similar solicitation (spam).
7.2 You will be responsible for and will indemnify us for all losses and costs that we may suffer resulting from your breach of these Terms.
7.3 Whenever you make use of a feature that allows you to upload content to our site or to make contact with other users of our site you must comply with these Terms and in particular Clause 7.1.
7.4 If you use our site to input or upload confidential details of your employees or the employees of your client or any third parties or otherwise then you confirm that you have authority from those employees to disclose their confidential information and you will indemnify us in respect of any loss or damage that we may incur as a result of your breach of this clause 7.4.
7.5 You agree:
7.5.1 Not to reproduce, duplicate copy or resell any part of our site in contravention of the provisions of our Terms
7.5.2 Not to access without authority, interfere with, damage or disrupt:
220.127.116.11 Any part of our site;
18.104.22.168 Any equipment or network on which our site is stored;
22.214.171.124 Any software used in the provision of our site; or
126.96.36.199 Any equipment or network or software owned or used by any third party.
7.6 By Registering you agree that we, the Insurers, and Service Partners may contact you by email, post or telephone in relation to the provision of the Services any quotation offered by an Insurer or the Services offered by a Service Partner.
8. Availability of the Site
8.1 Although we aim to offer you the best service possible, we make no promise that the Services will meet your requirements. We cannot guarantee that the Services will be fault free. If a fault occurs with our site you should report it to email@example.com and we will attempt to correct the fault as soon as we reasonably can.
8.2 Your access to our site may be occasionally restricted to allow for repairs, maintenance or introduction of new facilities or services. We will attempt to restore the Services as soon as we reasonably can.
8.3 You may link to our home page, provided you do so in a way that is fair and legal and does not damage our reputation or take advantage of it.
8.4 You must not establish a link in such a way as to suggest any form or association, approval or endorsement on our part when none exist.
8.5 Our site must not be framed on any other site, nor may you create a link to any part of our site other than the home page.
8.6 We reserve the right to withdraw key information without notice.
9. The Company’s right to suspend or cancel your registration or refuse or remove the information posted on our site
9.1 We may suspend or cancel your status as a Registered User immediately at our reasonable discretion or if you breach any of your obligations under these Terms.
9.2 You can cancel your Registered User status at any time by informing us at firstname.lastname@example.org but in doing so you will not be entitled to receive any refund of Our Fee.
9.3 The suspension or cancellation of your Registered User status and your right to use our site shall not affect either party’s statutory rights or liabilities.
10. The Company’s liability
10.1 Our site may provide content from other internet sites or resources and while we try to ensure that material included on our site is correct, reputable and of high quality, we do not give any warranties or make any guarantees in relation to that content. If we are informed of any inaccuracies in the material on our site we will attempt to correct the inaccuracies as soon as we reasonably can.
10.2 We will not be responsible, or liable to any third party, for the content or accuracy of any information or content posted or provided by you or any other user of our site.
10.3 We provide no guarantee or warranty that our site will be continually available or accessible. Our site may be inaccessible from time to time due to maintenance or other works being carried out. We shall not be liable for any loss or damage that you may suffer as a result of our site being unavailable or inaccessible from time to time.
10.4 We provide no guarantee or warranty that our site is free from viruses or errors and we accept no liability for any loss or damage caused by any virus or error contained on our site.
10.5 We will not be liable for any loss or damage caused by a virus, distributed denial of service attack, or other technologically harmful material that may affect your computer equipment, computer programmes, data, or other proprietary materials due to your use of our site or to your downloading of any content from it, or any website linked to it
10.6 Use of our site and any of the materials contained or posted on our site are at the users’ own risk and we accept no liability for any loss or damage suffered as a result of use of our site or its contents.
10.7 We do not control the information, quotations or services that may be provided to you by any Insurer or Service Partner or the timing or quality of services provided by any Insurer or any Service Partner and we shall not be responsible for such information, quotation or service nor shall we be liable for any loss or damage that you may incur should you accept or act in reliance upon such information, quotation or service.
10.8 Nothing in these Terms excludes or limits our liability for death or personal injury arising from our negligence, or our fraud or fraudulent misrepresentation, or any other liability that cannot be excluded or limited by English law.
10.9 To the extent permitted by law, we exclude all conditions, warranties, representations or other terms which may apply to our site or any content on it, whether express or implied.
10.10 We will not be liable to you or any user of our site for any loss or damage, whether in contract, tort (including negligence) breach of statutory duty, or otherwise, even if foreseeable, arising under or in connection with:
10.10.1 use of, or inability to use, our site; or
10.10.2 use of or reliance on any content displayed on our site.
10.11 In particular, we will not be liable for:
10.11.1 loss of profits, sales, business or revenues;
10.11.2 business interruption
10.11.3 loss of anticipated savings
10.10.4 loss of business opportunity, goodwill or reputations; or
10.11.5 any indirect or consequential loss or damage.
10.12 We shall accept no responsibility for any loss occasioned by the unlawful use of credit cards to purchase any Services from our site.
11. Data Protection
11.1 You and we both acknowledge that for the purposes of the Data Protection Act 1998, you are the Data Controller and we are the data processor in respect of any Personal Data.
11.2 We shall process the Personal Data only in accordance with your instructions from time to time and shall not process the Personal Data for any purpose other than those expressly authorised by you. You agree that in agreeing these terms and conditions you are instructing us to process any Personal Data in the manner as detailed on our site.
11.3 We shall take reasonable steps to ensure the reliability of all our employees who have access to the Personal Data.
11.4 Each party warrants to the other that it will process the Personal Data in compliance with all applicable laws, enactments, regulations, orders, standards and other similar instruments.
11.5 We warrant that, having regard to the state of technological development and the cost of implementing any measures, it will:
11.5.1 take appropriate technical and organisational measures against the unauthorised or unlawful processing of Personal Data and against the accidental loss or destruction of, or damage to, Personal Data to ensure a level of security appropriate to:
188.8.131.52 the harm that might result from such unauthorised or unlawful processing or accidental loss, destruction or damage; and
184.108.40.206 the nature of the data to be protected.
11.5.2 take reasonable steps to ensure compliance with those measures.
11.6 You further warrant to us that you have obtained all necessary authority from each Data Subject to pass to us any Personal Data in respect of that person and for us to process such Personal Data in accordance with these terms and conditions and the procedures as detailed from time to time on our site.
11.7 Each party agrees to indemnify and keep indemnified and defend at its own expense the other party against all costs, claims, damages or expenses incurred by the other party or for which the other party may become liable due to any failure by the first party or its employees or agents to comply with any of its obligations under this Agreement.
11.8 You acknowledge that we are reliant on you for direction as to the extent to which we are entitled to use and process the Personal Data. Consequently, we will not be liable for any claim brought by a Data Subject arising from any action or omission by us, to the extent that such action or omission resulted directly from your instructions.
11.9 We may authorise a third party (sub-contractor) to process the Personal Data provided that the sub-contractor’s contract:
11.9.1 is on terms which are substantially the same as those set out in this clause 11; and
11.9.2 terminates automatically on termination of your Registered User status.
11.10 All Personal Data will be deleted from our servers after a period of 3 months save for in respect of any Personal Data held by us in respect of a Data Subject whose Personal Data is maintained within scheme history, medical underwriting and employee information for the sole purpose of assisting policy administration and renewal preparation.
12.1 We are not registered by the FCA in the conduct of financial activity.
12.1.1 We do not influence or present premiums or terms and conditions of insurance to ay Client.
12.1.2 Advising a Client as to which insurance product is most appropriate is the sole responsibility of the Intermediary.
12.1.3 We do not accept any liability relating to the incorrect distribution of information originating from an Intermediary which leads to errors and omissions.
13. Advertising and sponsorship
A part of our site may contain advertising and sponsorship. Advertisers and sponsors are responsible for ensuring that material submitted for inclusion on our site complies with relevant laws and codes. We will not be responsible to you for any error or inaccuracy in advertising and sponsorship material.
14. Applicable Law
These Terms will be subject to the laws of England. We will try to resolve any disagreements quickly and efficiently. If you are not happy with the way we deal with any disagreement and you want to take Court proceedings, you must do so through the English Courts.
15. International use
We make no promise that materials on our site are appropriate or available for use in the locations outside the United Kingdom, accessing our site from territories where its contents are illegal or unlawful is prohibited. If you choose to access our site from locations outside the United Kingdom, you do so on your own initiative and are responsible for compliance with local laws.
16.1 You may not transfer any of your rights under these Terms to any other person. We may transfer our rights under these Terms to another business where we reasonably believe your rights will not be affected.
16.2 If you breach these Terms and we choose to ignore this, we will still be entitled to use our rights and remedies at a later date or in any other situation where you breach the Terms.
16.3 We shall not be responsible for any breach of these Terms caused by circumstances beyond our reasonable control.
16.4 Our site is owned and operated by G R Connect Limited (company number 08327854) whose registered office is at 9 Honey Hill Drive, Deanshanger, Milton Keynes MK19 6GF
16.5 If you have any queries please contact email@example.com
17. Severability of clauses
If any term of these Terms is held by a Court or other competent authority to be invalid or unenforceable in whole or in parts the validity of the other provisions of the Terms and the remainder of the term in question shall not be affected.