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CSIS Civil Service Insurance Society

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 TERMS AND CONDITIONS

Introduction

CSIS has created this web facility to allow Civil & Public Service employees and pensioners, to access on-line the insurance services offered by CSIS.

CSIS is authorised and regulated by the Financial Conduct Authority to ensure the services and advice we provide are the most appropriate ones for you, our customer.

You should read both the Terms and Conditions and Privacy policy of the CSIS site before using the services offered.

You should also be aware that we provide access to a number of other web sites that will have their own Terms and Conditions and Privacy policies. For a full definition please read the relevant section.

Conditions of Use

By using this web site, you agree to the Conditions of Use and you agree to the use of your personal data in accordance with the terms of the web site's Privacy Policy. Please read the following Conditions of Use and Privacy Policy carefully.

This is a CSIS web site, The Civil Service Insurance Society, 7 Colman House, King Street, Maidstone, Kent, ME14 1DD.

Jurisdiction and Eligibility

Unless otherwise specified, the products and services described in this web site are available and directed to UK residents only. The products are only available to UK residents who are current or former employees of, or pensioners of the Civil or Public Service, or other accepted occupations.

Quotation / Policy Acceptance

All quotations and information given on this website are done so as an invitation to treat. By proceeding with a quotation or purchasing online you are making an offer to buy our products and/or services. We reserve the right to refuse to accept your offer and may choose not to provide insurance cover if you fail to meet our required criteria in any way. You should not assume that you are covered under our insurance policies until you have received formal written confirmation from us.

All quotations offered via this website are valid for a maximum of 30 days.

All policies are at all times subject to acceptance by our underwriters and no insurance cover shall be deemed to be in place until accepted in writing by CSIS, and the appropriate premium received.

Law Applicable

The Conditions of Use and the Privacy Policy applicable to this site and will be governed by and construed in accordance with English Law. Any disputes arising in relation to these Conditions of Use will be subject to the exclusive jurisdiction of the English courts. If any of the Terms & Conditions or Conditions of Use shall be unlawful, void or for any purpose unenforceable the particular provision shall be deemed severable and shall not affect the validity and enforceability of the remaining Terms & Conditions.

Alterations

CSIS reserves the right at anytime without notice to revise the contents of this site including these Terms & Conditions. Any changes to these conditions will be posted on this site and by continuing to use this site following any such change you will signify that you agree to be bound by the revised conditions.

Legal Exclusions & Limitations

CSIS takes care to ensure that the information contained in this web site is accurate and up-to-date, it makes no representations or warranties about the accuracy, completeness, reliability or suitability for any purpose of the information and related graphics published in this site which may contain technical inaccuracies and typographical errors. CSIS is not providing any legal, accounting or other professional advice or opinion on specific facts or matters, and neither it nor any of its committee members, employees or agents will be liable for damages arising out of or in connection with the use of this site or the information in it. This is a comprehensive limitation of liability that applies to all damages of any kind, including (without limitation), compensatory, direct, indirect or consequential damages, loss of data, income or profit, loss of or damage to property and third party claims, save that nothing shall exclude or restrict liability for death or personal injury resulting from the negligence of CSIS, its directors, employees or agents.

Use of Your information

By using this web site, you agree to the use of your personal data in accordance with the terms of the Privacy Policy.

Copyright

All design, text, graphics and the selection or arrangement thereof are the copyright of CSIS or third parties. Permission is granted to copy electronically and print in hard copy, portions of this site solely for the purpose of using the site to seek a quotation. Any other use of materials on this site (including reproduction for purposes other than those noted above and alteration, modification, distribution or republication) without the prior written permission of CSIS is strictly prohibited.

Trade Marks

CSIS are the owners of the various CSIS trade marks and get-up contained in this site. All other trade marks, product names and company names or logos displayed on the site are the property of their respective owners. No permission is given by CSIS or the other respective owners in respect of the use of any such trade marks, get-up, product names, company names, logos or titles and such use may constitute an infringement of the holder's rights.

Force Majeure

CSIS shall not be liable to you for any breach of these Conditions of Use or any failure to provide or delay in it providing its services through this site resulting from any event or circumstance beyond its reasonable control including, without limitation, strikes, lockouts and other industrial disputes, breakdown of systems or network access, fire, explosion, accident, insurrection and war.

Links to other Sites

In this web site certain links, including hypertext links, will lead you to web sites or pages that are not under the control of CSIS. These links are provided for your information and convenience and the inclusion of any link does not imply endorsement by CSIS in any way of the site to which a particular link leads. CSIS has no control over and will accept no liability or responsibility in respect of the material on any other web sites.

Content and Product Information

The information and descriptions provided are not intended to be complete descriptions of all terms, conditions and exclusions applicable to the products featured. The precise coverage afforded by our product providers is subject to the terms, conditions and exclusions of the policies as issued. The Policy Wordings, Features and Benefits and Key exclusions shown on this web site may be varied dependant on the information you supply us with. We will tell you what the variations are when we contact you, either by phone or in writing, prior to you taking out a policy.

Ownership of Web Site

This web site belongs to CSIS, a company limited by guarantee.

Monitoring of emails and Telephone calls

eMails may be monitored from time to time and telephone calls are recorded for monitoring and quality control purposes. By using such communication methods you are consenting to the recording or monitoring of same.


PRIVACY POLICY

Introduction

CSIS is committed to ensuring that your privacy is protected. This policy explains how CSIS use the information collected about you and what security measures are in place to protect your information.

Information Gathering

What do CSIS do with the information we collect from you?

When you ask for a quotation from us, we need to know your name, address and other relevant information. This enables us to prepare and issue quotations and if you accept the quotation to undertake policy administration for example, deal with a claim.

We would advise you that several of our insurance product providers exchange information with other insurers or management companies through various databases to help us check information provided and also to prevent fraudulent claims. We will include further details when we write to you. For some of our underwriting process it is normal that we make checks with a licensed credit reference agency and a record of this search will be kept. For your protection telephone calls may be recorded and monitored.

CSIS will from time to time contact you, either by telephone, email or post, to keep you abreast of products and services they have to offer you from their chosen suppliers. If you do not wish to be contacted then please either write to CSIS at their registered address or click the relevant button when requesting a quotation.

Your Consent

By submitting your information within this part of the web site you consent to the use of that information as set out in this Privacy Policy. If we change our Privacy Policy we will post the changes on this page and may place notices on other pages of the web site so that you are aware of how we use your information at all times. We will also contact you should we make any changes to the purposes for which we use you personal data so that you may consent to our use of your information in that way. Continued use of the service will signify that you agree to such changes. The Internet is a global medium and your information may therefore be transferred outside the European Economic Area en route. By submitting your information, you consent to any such transfer.

Google Analytics

This website uses Google Analytics, a web analytics service provided by Google, Inc. (Google). Google Analytics uses cookies, which are text files placed on your computer, to help the website analyze how users use the site. The information generated by the cookie about your use of the website (including your IP address) will be transmitted to and stored by Google on servers in the United States. Google will use this information for the purpose of evaluating your use of the website, compiling reports on website activity for website operators and providing other services relating to website activity and internet usage. Google may also transfer this information to third parties where required to do so by law, or where such third parties process the information on Google's behalf. Google will not associate your IP address with any other data held by Google. You may refuse the use of cookies by selecting the appropriate settings on your browser, however please note that if you do this you may not be able to use the full functionality of this website. By using this website, you consent to the processing of data about you by Google in the manner and for the purposes set out above.