info@incomeprotect.co.uk
Income Protection

1. INTRODUCTION

  1. Website usage agreement between PHA Insurance Services Ltd and the user.
  2. Use of this site constitutes agreement with the following terms and conditions. These terms are governed by and interpreted in line with English Law. Please read these carefully.
  3. This site is intended for the use by citizens of the United Kingdom. This site is not intended for distribution to, or use by, any person in a country where such distribution or use would be contrary to local laws or regulations.

2. USE OF CONTENT

  1. Throughout our website, trademarked names are indicated. However, rather than repeatedly show the trademark symbol, we state that we are using such names in an editorial contact with no intention of infringement of that trademark. Trademarked names, as always, remain the property of their respective companies.
  2. We, or our licensors, own the copyright and all other intellectual property rights associated with the content save where otherwise stated. 2.3 We cannot warrant that use of the site will not be interrupted or unavailable due to any factors outside our control.
  3. We are happy for you to download or print off copies of the content of this site (other than any quotation details) for your personal, non-commercial, use and information but, any copying or adaptation of the content, layout or code of this site, or the creation of an archive or database containing the content, for any business purpose or other commercial exploitation, without our specific consent will constitute copyright infringement.
  4. If you do download or print off copies of the content you must retain any copyright or other intellectual property notices contained in the original material.
  5. You may not copy, distribute or display the site or any part of it to third parties. You may not link to or mirror any part of the site. Any infringement of any intellectual property rights in this manner will result in appropriate legal action.
  6. Any rights not expressly granted in these terms are reserved.

3. CHANGES

  1. We are continually seeking to update and improve the site. Therefore, we may make changes to any part of the site and these conditions and you will be bound by changes to these conditions form the time you next access the site.
  2. No purported modification of these conditions will be effective until we countersign it.

4. DOWNLOADS

  1. You must ensure that any software downloaded from the internet to your computer is suitable for use on your computer and that it is virus free. This applies to any software downloaded from this site so you must check all software loaded from this site and ensure it is compatible with your computer.

5. DISCLAIMER

  1. The information on this site is provided on an ‘as is’ and ‘as available’ basis. We try to ensure, but do not guarantee or warrant, the accuracy or completeness, availability or reliability of the information on our website. Our aim is to keep this information timely and accurate. If errors are brought to our attention, we will try to correct them.
  2. We exclude any warranty, express or implied, as to the quality or fitness for a particular purpose of any of the content on this site.
  3. We reserve exclusive right at our sole discretion to alter, limit or discontinue part of this site. Under no circumstances shall we be liable for any loss, damage, liability or expense suffered which is claimed to result from the use of this site, including without limitation, any fault, error, omission, interruption or delay. Use of this site is at the user’s sole risk.
  4. We make every effort to minimise disruption caused by technical errors. However, some data or information on our site may have been created or structured in files or formats, which are not error-free, and we cannot guarantee that our service will not be interrupted or otherwise affected by such problems. We accept no responsibility with regards to such problems (failure of performance, computer virus, communication line failure, alternation of content, etc.) incurred as a result of using this site or any link to external sites.
  5. The materials on this site do not constitute medical, financial or other professional advice. You should consult an appropriate professional for specific advice tailored to your situation.
  6. Users specifically acknowledge and agree that we are not liable for any conduct of any other user.
  7. By accessing this site you agree that we will not be liable to you or any third party for any errors or delays in the site or for any actions taken in reliance on it. You also agree that, to the full extent allowed by applicable law, we will not be liable for any direct, indirect or consequential loss or any losses that were actually unforeseeable by us arising from the access or use of the site or from your access or use of other material on the internet via web links for this site. We do not seek to limit liability in respect of fraudulent misrepresentation nor in respect of death or personal injury directly caused by our negligence.
  8. We reserve the right to deny at out sole discretion any user access to this site or any portion thereof without notice. We have no obligation to forward any unread or unsent messages to you or any third party.

PHA PRIVACY POLICY

1) PRIVACY

This privacy statement establishes how we handle the information we learn about you when you visit our site. Protecting the privacy and personal data of our visitors is of utmost importance to us.

When we collect personal information from you via this website we will tell you about the purposes for which we may use it. We will also tell you about any companies to whom we might disclose it. We will only disclose it to companies specifically selected by us as offering services or products, which may interest you. We will not disclose it to any other third party without your permission unless we are required to do so by law. If you do not wish to receive information about other products or services from either us or selected third parties then you may notify us of this by email or by letter.

We will explicitly ask you when we need information to identify you. We may require you to co-operate with our security checks before we disclose information to you. You may update the personal information that you give us at any time by contacting us on 0800 195 5081.

2) COOKIES

PHA do not use a technology nicknamed "cookies" to save your customisation preferences and PHA does not combine information normally collected through cookies with other personally identifiable information to tell us who you are or even what your member name, user ID or e-mail address is. Cookies, if used, are only for the purpose of tracking the success of our advertising and promotional activity, and they only serve to identify locations where we advertise.

3) SECURITY

We intend to protect the quality and integrity of your personal information. We have security measures in place to protect your data and access to this data is under strict guidelines. We protect data against any unauthorised access to the website access details, log off/exit from site when not using it and keep passwords secret.

We have implemented technologies and security policies to protect stored personal data of our users from unauthorised access, improper use, alteration, unlawful or accidental destruction or accidental loss. Employees and processors who have access to personal data are obliged to respect the privacy of our visitors and the confidentiality of their personal data.

Please note that although we take reasonable steps to protect data, open emails are not secure and third parties may be able to intercept, access or alter any information you send by email. We are not responsible for and cannot accept any liability for any damage resulting from email messages sent to or received by us.

4) LINKS

The "Privacy Policy" only covers our websites and does not extend to other websites accessed from this site. Hence we are not responsible for the "Privacy Policies" or the content on third party websites.

5) DATA PROTECTION ACT

All personal details submitted to us will be held in accordance with our responsibilities under the Data Protection Act 1998 (the Act) that applies in the UK. The principle purpose of collecting personal data from you via this site is to provide information or services specifically requested by you. When you complete our online enquiry form (if relevant), we ask for your contact details and other selected information so that we can deal with your request as efficiently and effectively as possible.

The Data Protection Act allows you to find out what information we hold about you in return for a small fee. This is known as a subject access request. Before sending you any personal data, we will ask you to provide proof of your identity. If you are not able to provide proof of your identity, we reserve the right to refuse to send you personal data. You can obtain further information about data protection laws by visiting the Information Commissioner’s website at www.dataprotection.gov.uk. You can search for our Data Protection Notification there, should you wish to do so.

We may on occasions wish to use personal information supplied by you when you registered with us, contacted us, requested brochures or provided personal information from other services accessed from us, to inform you of new services, products and promotions which we think maybe of interest to you. If you do not wish to receive any further information from us you may inform us of this by email or by letter.

In addition, we may pass your details to carefully selected third parties only with regard to your enquiry and the service we provide. Before we pass details onto another firm, we will let you know the name of the firm and obtain your permission to send your personal information to them.

If at any time you believe we have not complied with these principles, please notify us by email to sales@phauk.com and we will investigate your concerns and take all reasonable steps to resolve the matter promptly. Our Data Protection Act reference is Z7888474.

6) LIABILITY

Due to the nature of software and the internet, we cannot guarantee that your access to, or running of, this website (or the processing of transactions conducted through it) shall be uninterrupted or error free. We shall not be liable if we cannot process your details due to circumstances beyond our reasonable control.

The information provided on this website is for general interest only and does not constitute specific advice. We do not accept any liability if you suffer any loss as a result of using this website or relying on any information provided on it.