Terms & Conditions
Website Terms
These are the terms and conditions ("Website Terms") which apply to your use of this website ("Website"). Please read them carefully and if you have any questions or issues, please get in touch by contacting us.
By proceeding with access to this Website you are deemed to have accepted both these Website Terms and our Privacy Policy which is supplemental to our Website Terms.
Please note that this Website is intended for use by residents of the United Kingdom whilst in the United Kingdom only. For the avoidance of doubt none of the information on this Website constitutes an offer to contract in any country in which it is available including the UK.
These Website Terms are in addition to any terms of business which you may have as a direct customer (“Direct Terms”) and in the event of any conflict between these Website Terms and any Direct Terms, the terms and conditions of the Direct Terms shall prevail.
Any products or services acquired will be subject to their own terms and conditions with the relevant provider which you must also read.
General
This Website is provided by Bluefin Group Limited ("Bluefin Group") in conjunction with those of Bluefin's subsidiaries whose details are set out, together with those of Bluefin Group, on the Website (as may be amended from time to time) ("Bluefin Companies"). Bluefin Group and the Bluefin Companies are together "Bluefin".
This Website may also contain hypertext links to, or information from, websites operated by third parties (meaning persons or companies other than Bluefin Group and the Bluefin Companies). Where the Website includes any such information and/or links these are for information purposes only and Bluefin makes no representation whatsoever about any such link, website or content. Separate terms and conditions may also apply to such websites. Bluefin accepts no responsibility for the content of or your use of any website which is accessed via a hypertext link from this Website.
Availability and Access
Bluefin does not warrant that this Website is free of viruses, worms, Trojan Horses or technical defects of any description‚ and accepts no responsibility for any technical problems arising from your use of this Website. Bluefin will endeavour to ensure that this Website is accessible for 24 hours a day but will not be liable if‚ for any reason‚ the Website is unavailable for any time or for any period.
Bluefin will have the right to suspend access to the Website (or to any part of it) temporarily or permanently and without notice.
At any time, access to and use of certain parts of this Website may be restricted to registered users, to which further terms governing access may apply. When applicable, such terms shall be drawn to your attention during the registration process. Bluefin may, at its sole discretion refuse to register a user or to provide access to certain parts of the Website to certain users, without providing reasons for doing so.
Information Only Website
The information contained on this Website is provided for information purposes only and cannot be regarded as constituting advice or recommendations (professional or otherwise). Bluefin will use reasonable care and skill to ensure that information contained on this Website is accurate at the date of publication. However‚ because of the nature of the internet‚ information on the Website may not always be accurate or complete.
Amendments
Bluefin reserves the right to make amendments and changes to the information on the Website and any references to details of products or services, including pricing, are subject to change without notice.
Variation
Bluefin reserves the right to make amendments and changes to these terms and conditions without notice to you from time to time to reflect changes in market conditions affecting Bluefin’s business, changes in technology, changes in payment methods, changes in relevant laws and regulatory requirements, and any other changes.
Any such amendment shall be effective once the revised terms and conditions have been posted on the Website. You shall be responsible for reviewing the terms and conditions of the Website each time you use the Website and we will treat your use of the Website as signifying your acceptance of the terms and conditions applicable at the time you access the Website.
Security
Bluefin will take all reasonable steps to ensure that any information you provide (via email or otherwise) as a result of your access to this Website is kept secure‚ but please remember that‚ because of the nature of the internet‚ the security of emails cannot be guaranteed. There is no guarantee that any emails sent will be received by us.
Please also refer to our Privacy Policy.
Liability
All warranties, conditions, representations and terms, whether express or implied by statute, common law or otherwise, with respect to this Website and its content, including but not limited to implied warranties of satisfactory quality, fitness for a particular purpose, non-infringement, compatibility, security and accuracy are excluded from these Website Terms to the extent that they may be excluded as a matter of law. Further, Bluefin does not warrant that the Website will be uninterrupted or error free or that any defects will be corrected.
To the fullest extent permitted by law Bluefin shall not be liable (whether in contract or tort, including negligence or breach of duty, or otherwise) for any damage, loss or liability sustained or arising out of or in connection with:
To the extent permitted by applicable law, Bluefin expressly disclaims all liability howsoever arising whether in contract, tort (or deceit) or otherwise (including, but not limited to, liability for any negligent act or omissions) to any person in respect of any claims or losses of any nature, arising directly or indirectly from: (i) Anything done or the consequences of anything done or omitted to be done wholly or partly in reliance upon the whole or any part of the information of this Website; and (ii) The use of any data or materials on this Website or unauthorised access to this Website or otherwise.
Bluefin will not be responsible for any breach of these Website Terms caused by circumstances beyond its reasonable control.
Nothing in these terms and conditions shall exclude Bluefin’s liability for death or personal injury resulting from Bluefin’s negligence. You shall be liable for and shall indemnify Bluefin and/or, where applicable Bluefin's subsidiaries, officers, directors, agents, licensors, successors and assigns from against any and all claims, actions, liabilities, losses, damages and expenses (including legal expenses) of any kind which arise out of or in connection with, directly or indirectly your breach of these Website Terms.
Copyright and other Intellectual Property Rights
Bluefin (or its subsidiaries or licensors) own the copyright and all intellectual property rights existing on or within this Website (including but not limited to all database rights, trade marks, registered and unregistered trade marks, service marks and logos). Nothing in the Website shall confer on any person any licence or right with respect to any such intellectual property. Bluefin's name may not be used in any way, including in advertising or publicity pertaining to distribution of Information without our prior written consent.
The images, logos and names on the Website which identify Bluefin or a provider of products or services from time to time are the proprietary marks of Bluefin or the provider concerned. Nothing in the Website shall confer on any person any licence or right with respect to any such image, logo or name.
You are not permitted to download‚ print‚ redistribute or extract any information from this Website other than for your personal‚ non-commercial use.
You are not permitted to reproduce‚ copy, redistribute, modify or in any way change any of the information available on this Website.
You agree to indemnify and keep indemnified, Bluefin, its officers, directors, agents, licensors, successors and assigns against all liabilities, claims, losses, costs, damage and expenses including legal fees incurred by Bluefin should you breach any of the terms of this section (Copyright and other Intellectual Property Rights).
Data Protection and Privacy
Any personal information you supply to Bluefin via this Website will be treated in accordance with the Data Protection Act 1998.
Additional information regarding the privacy of personal data‚ and the use of cookies is available in Bluefin’s Privacy Policy. You acknowledge and agree to be bound by the terms of Bluefin’s Privacy Policy.
Communications
Applicable laws may require that certain information or communications be in writing. When using the Website, you accept and agree that communication with Bluefin may be electronic. Bluefin may contact you by email or provide you with information by posting notices on this Website. For any contractual purposes, you agree to electronic means of communication and you acknowledge that all contracts, notices, information and other communications that Bluefin provides to you electronically comply with any legal requirements that such communication be in writing. This provision does not affect your statutory rights.
Severability
If any of these terms and conditions are determined to be illegal, invalid or otherwise unenforceable by reason of the laws of any state or country in which such terms and conditions are intended to be effective, then to the extent of such illegality, invalidity or unenforceability, in relation to such state or country only, such terms or conditions shall be deleted and severed from these terms and conditions and the remaining terms and conditions shall survive in full force and effect.
Waiver
If Bluefin fails at any time to insist upon strict performance of any of your obligations under these Website Terms, or if Bluefin fails to exercise any of its rights or remedies to which Bluefin is entitled under these Website Terms, this shall not constitute a waiver of such rights or remedies and shall not relieve you from compliance with such obligations.
Entire Agreement
These Website Terms set out the whole of Bluefin’s agreement relating to your use of this Website. Nothing said by any sales person on Bluefin’s behalf should be understood as a variation of these Website Terms.
Applicable Law
Bluefin have established this Website in England. English Law shall govern its use at all times and in the event of a dispute the parties shall irrevocably submit to the exclusive jurisdiction of the English Courts.
Contacting Us
Questions, comments and requests are welcomed you should get in touch by contacting us.
Complaints
We know that sometimes things go wrong and, in the unlikely event this happens, we want to put it right. As a valued client of Bluefin, we want you to tell us if our advice or service does not meet your expectations. We take all client dissatisfaction seriously and seek to use the lessons learned to improve the way we do things.
While we always aim to deliver the highest standards of service, we know that mistakes will occur from time to time so we offer you these promises:
Making a complaint about personal financial advice
If your complaint is about an individual arrangement such as a mortgage or mortgage protection policy, a pension, a life policy or an investment then write to us at:
Private Client Complaints Unit
Bluefin Advisory Services Limited
Park House
Heathcote Road
Camberley
Surrey
GU15 2EU
Alternatively call us on 01276 401110. Lines are open 9 am to 5 pm Monday to Friday (calls will be charged at standard rates).
We’ll deal with your complaint as quickly as possible. We’ll send you a letter within five working days confirming who will deal with your complaint and what the next steps are.
An experienced person will deal with your complaint and keep in touch with you to tell you of progress.
After looking into your complaint, we will write to tell you our decision and confirm what we will do or what else you may need to do. If you are disagree with our decision, feel we have misunderstood anything, or you have any extra information please let us know.
If however;
You may be able to refer your complaint to the Financial Ombudsman Service.
The Ombudsman usually expects customers to allow the company involved to address their complaint before contacting them unless there has been an undue delay. We will let you know if you can refer your complaint to the Ombudsman.
To contact the Ombudsman:
The Financial Ombudsman Service
South Quay Plaza
183 Marsh Wall
London
E14 9SR
Telephone number: 0845 080 1800
complaint.info@financial-ombudsman.org.uk
Making a complaint about employer-sponsored arrangements
If your complaint is about a group arrangement (by this we mean a scheme you participate in via your employer) such as a group pension plan, a group life policy or a group protection arrangement; then write to us at:
Risk Oversight Support Team
Bluefin Advisory Services Limited
1 Aldgate (6th Floor)
London
EC3N 1LP
Alternatively, you can call us on 020 7816 2374. Lines are open 9 am to 5 pm Monday to Friday (calls will be charged at standard rates).
We will deal with your complaint as quickly as possible, sending you a letter within five working days confirming who will deal with your complaint and what the next steps are.
An experienced person will deal with your complaint, keeping in touch informing you of progress.
After looking into your complaint, we will write to tell you our decision and confirm what we will do or what else you may need to do. If you disagree with our decision, feel we have misunderstood anything, or you have any extra information that you consider to be salient to your case please let us know.
If however, you do not accept our final decision, various referral options may be available to you dependent upon the circumstances of your complaint.
You may be able to escalate your complaint to your Scheme Trustees following the scheme’s Internal Dispute Resolution Procedure (IDRP) or make application to either the Financial Ombudsman Service (FOS) or the Pensions Advisory Service (TPAS) which may act in independent arbitration.
The IDRP and both Ombudsman services usually expect customers to allow us to address their complaints before contacting them unless there has been an undue delay. We’ll let you know which of these routes you can take and contact details will be provided to you at that point.
Making a complaint about personal and commercial insurance
If you have a complaint, please contact us at the following address with your policy number or claims reference as appropriate:
Compliance Officer
Bluefin Insurance Services Limited
35 Parliament Street
Harrogate
HG1 2RE
01423 724700
insurance.complaints@bluefingroup.co.uk
If your complaint cannot be resolved to your satisfaction and you are seeking resolution as a private individual or as a business enterprise which employs fewer than 10 persons and has a turnover or annual balance sheet that does not exceed 2m Euros, a charity or trust with an annual turnover of less than £1 million, you may refer the matter to:
The Financial Ombudsman Service
South Quay Plaza
183 Marsh Wall
London
E14 9SR
Telephone number: 0845 080 1800
complaint.info@financial-ombudsman.org.uk
Farmshield is a trading name of Bluefin Insurance Services Limited. 5 Old Broad Street, London, EC2N 1AD.
Registered in England 931954, VAT Registration No. GB 243 6741 60. Authorised and regulated by the Financial Services Authority.
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