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Zurich Insurance plc and Conveyancing Risk Management Ltd - Terms of Use (the "Terms")

Zurich Insurance plc services and maintains the www.zurich.co.uk website.

Conveyancing Risk Management Ltd services and maintains the www.zcuc.co.uk website.

Legal notice

Please read the following information carefully before using our website. If you do not agree to be bound by these Terms you must stop using this website immediately.

  1. Changes to Terms

    We reserve the right to make any changes to these Terms at any time. Please check this page regularly for any changes.

  2. Privacy

    We are committed to safeguarding the privacy of our customers. Please click here for our policy in relation to privacy and how we use any data you supply us.

  3. International Use

    We make no representation that materials on our website are appropriate or available for use in locations outside the U.K. (including the Channel Islands and Isle of Man), and accessing our website from territories where its contents are illegal or unlawful is prohibited. If you choose to access our website from locations outside the U.K., you do so on your own initiative and are responsible for compliance with local laws.

  4. Access to our website

    Messages sent over the internet cannot be guaranteed to be completely secure as they can be intercepted, lost or corrupted. We are therefore not responsible for the accuracy of the messages sent by email over the internet - whether from us to you or from you to us.

    Due to the nature of the internet and the fact that your access to our website involves features outside our control, we are not responsible for any technical problems you may experience with our website. If you do experience technical problems, please use the 'contact us' facility on this website.

  5. Intellectual property

    Unless we have clearly stated otherwise, all intellectual property rights are our property. These include (but are not limited to) copyright in the graphic images, buttons, layout, and text contained in our website. You may not copy or distribute our website, except for your own personal use, in whole or in part, without our prior written consent. Zurich and/or other Zurich marks referenced on our website are trade marks (registered or otherwise) which belong to companies within the Zurich Insurance Group in the UK. and/or other countries. You may not use such trade marks without our prior written consent. Other product and company names reproduced on our website may be the trade marks (registered or otherwise) of their respective owners.

  6. Hyperlinks

    You may not create a hyperlink to our website without our prior written consent. In order to provide you with the best web-based service, we have included within our website several links to other websites. We cannot be responsible for those websites and their content which are beyond our control and we make no representation as to their quality, suitability, functionality or legality and you waive any claim you may have against us with respect to such websites.

  7. User conduct

    When accessing or using any service provided on our website, you may not post or transmit any unlawful, threatening, abusive, libellous, defamatory, obscene, pornographic, profane or otherwise objectionable information of any kind. This includes, without limitation, any transmissions constituting or encouraging conduct that would constitute a criminal offence, give rise to civil liability or otherwise violate any national or international law.

  8. Disclaimer

    Whilst we have taken all reasonable care to ensure the information contained within these pages is accurate we do not guarantee the accuracy or completeness of any information contained on or provided in connection with our website. We are not responsible for any errors or omissions or for the results obtained from the use of such information or for any technical problems you may experience with our website. You are responsible for the security of any data which you transfer to or from our website.

    We shall not be responsible for any loss or damage caused, directly or indirectly, by your use of our website or the information contained on our website. We disclaim all conditions, warranties, or other terms whether expressed or implied by statute, custom or usage relating to the information contained in or omitted from the service offered via our website.

  9. Limitation of Liability

    We shall not be liable for any direct, indirect, incidental, special or consequential damages or for loss of profit or opportunity, whatsoever, whether in contract, tort or otherwise arising from (1) the use of our website or the information contained on our website or (2) the inability to use our website or (3) unauthorised access to or alteration of your transmissions or data or (4) third party services outside our reasonable control (including, but not limited to, telephone and browser services), whether such services are used by you to access our website or used by us to comply with your instructions.

    For the avoidance of doubt, this provision shall apply whether or not the relevant loss or damage arises by reason of our negligence.

    Nothing in these Terms should exclude our liability to you in the tort of deceit or for personal injury or death caused by our negligence.

  10. Indemnity

    You shall be liable to us for any loss we suffer as a result of your use of our website or any breach of these Terms by you.

  11. Miscellaneous

    If a competent authority finds any or part of these Terms invalid, unlawful or unenforceable to any extent, we shall delete the relevant term or part from the remaining Terms which shall continue to be valid and enforceable to the fullest extent permitted by English law.

    No act, omission or delay by us shall be a waiver of our rights or remedies under these Terms unless otherwise agreed in writing by us.

    We may assign our rights and obligations under these Terms and upon such assignment we may be relieved of any further obligation to you under them.

    A person who is not a party to these Terms shall have no right under the Contract (Rights of Third Parties) Act 1999 to enforce them but this shall not affect any right or remedy of a third party which exists or is available apart from under that Act.

    These Terms are governed by and construed in accordance with English law. For our exclusive benefit should a dispute arise connected with you using our website, it shall be resolved through the exclusive jurisdiction of the English courts.

    Zurich Conveyancing Underwriting Centre is managed and operated by Conveyancing Risk Management Ltd on behalf of the underwriters Zurich Insurance plc.

    Zurich Insurance plc a public limited company incorporated in Ireland.  Registration No. 13460.  Registered Office: Zurich House, Ballsbridge Park, Dublin 4, Ireland.  UK branch registered in England and Wales Registration No. BR7985.  UK Branch Head Office: The Zurich Centre, 3000 Parkway, Whiteley, Fareham, Hampshire PO15 7JZ.

    Zurich Insurance plc is a member of the Zurich Insurance Group Ltd, a company registered in Switzerland (number 023.3.020.5108) and its subsidiary undertakings from time to time. VAT number 107831677.

    Conveyancing Risk Management Ltd is registered in England 04568951. Registered Office St. Paul's House, Warwick Lane, London EC4M 7BP.

    Conveyancing Risk Management Ltd are authorised and regulated by the Financial Conduct Authority. These details can be checked on the FCA's register by visiting their website www.fca.org.uk or by contacting them on 0800 111 6768 (freephone) or 0300 500 8082.

    Zurich Insurance plc is authorised by the Central Bank of Ireland and subject to limited regulation by the Financial Conduct Authority. Details about the extent of our regulation by the Financial Conduct Authority are available from us on request. These details can be checked on the FCA's Financial Services Register via their website www.fca.org.uk or by contacting them on 0800 111 6768. Our FCA Firm Reference Number is 203093.

Privacy Policy of Zurich Insurance plc and Conveyancing Risk Management Ltd

This Privacy Policy sets out how we, Zurich Insurance plc and Conveyancing Risk Management Ltd ("we, us, our"), will use personal data. We will be the data controller of your data for the purposes of the Data Protection Act 1998.

Who will have access to your data?
  • Data will be used by us in the manner set out below (see "How will we use personal data?").

What will we collect?
  • We will collect names, addresses and other details provided by you when you contact us with a question or to obtain a quotation for one of our products or services.

  • We may also record information about the way you have used our site, in order to improve the way it operates (see "Cookies").

How will we use personal data?
  • We will use the personal data you provide to us under the Contact Us facility to answer your request. Once you have inserted your details we may disclose this information to companies within the Zurich Insurance Group Ltd, service providers and agents so that they can send you relevant information or contact you about the product in question.

  • We would like to keep you informed about products and services that we believe will be of interest to you. Unless you instruct us otherwise, we may share personal data that you provide with other companies within the Zurich Insurance Group Ltd and with other companies that we establish commercial links with so that we and they may contact you (by mail, email, telephone or other appropriate means) in order to tell you about carefully selected products, services or offers that we believe will be of interest to you. If you do not wish us to do this please indicate this using the tick box when you enter your details, or contact us using the address provided in the 'Further Information' section below

Cookies
  • When you use our website we will log your IP address and collect basic information about the way you use our site during your visit. This information is used only for site navigation and systems administration purposes.

  • In certain situations we may use cookies in order to recognise you as a site user and to personalise your visit. A cookie is small file sent to a web browser by a web server. We only use cookies for the purposes stated above and where necessary for the full operation of the website.

  • You can set your browser to reject cookies but if you do so you will be unable to use some areas of our sites. For more information about how to reject cookies please consult your browser settings.

Links

For your convenience we may have included links on this website to other sites that we believe you may find useful. These websites will each have their own privacy statement, which may differ from ours. Therefore please ensure, when you click on any of our links, that you read the privacy statement located on the website you have selected. Any websites connected with this site are not within our control.

Where you have linked to our website from a third party website, we may be required to pass your personal information to the third party. Please read the privacy statement provided by the third party website to make sure that you understand how they will process your information

Your consent/information
  • By using this website, you consent to the collection and use of your personal information (including sensitive personal data) by us, provided it is used as set out in this Policy. You also consent to the transfer of your information to countries or jurisdictions which do not provide the same level of data protection as the United Kingdom. If we do make such a transfer, we will ensure that your information is appropriately protected.

  • If we decide to change the Privacy Policy, we will post those changes on this page so that you are always aware of the information we collect, how we use it and under what circumstances it is disclosed.

  • You have the right to ask for a copy of the information we hold about you (for which we may charge a small fee) and to correct any inaccuracies in your information.

  • The Internet is not a 100% secure medium of communication and, accordingly, we cannot guarantee the security of any information transmitted via the Internet. We are not responsible for any damages you, or others, may suffer as a result of the loss of confidentiality of such information.

  • We may monitor or record your communications with us to improve our service and for security and regulatory purposes.

  • Before you provide us with any personal data about a third party you must obtain the correct authority from the individual(s) concerned and undertake to keep them advised about how their information will be used.

  • If your personal details change, or if you change your mind about your marketing preferences, please let us know by contacting the address provided in the "Further Information" section below.

Further Information
  • If you have any queries in relation to this Privacy Policy you may write to: Webmaster, Zurich Commercial, CSO, 126 Hagley Road, Edgbaston, Birmingham, B16 9PF or by email to webmaster@zurichcommercial.co.uk or The Compliance Office. Conveyancing Risk Management Ltd, 150 Aldersgate Street, London EC1A 4AB.

  • Zurich Insurance plc is registered with the UK Information Commissioner under the Data Protection Act 1998, registration number Z9435732.

  • Conveyancing Risk Management Ltd is registered with the UK Information Commissioner under the Data Protection Act 1998, registration number Z1362607.

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