Website Terms and Conditions

Welcome to Aon Digital! We are happy to allow you access and use of www.aondigital.com/en-gb (the “website”). Please take time to read these website terms and conditions, including our linked privacy policy and cookie notice (together, the “terms”) before proceeding, as they set out our agreement with you about your access and use of the website and are legally binding. Our terms of business agreement (“TOBA”) will govern our relationship with you regarding any quote or insurance you obtain from us via this website and will be provided to you with any such quote.

Save as set out in these terms, your use of this website and the content and services which may be accessed through it is at your own risk. If you do not agree to the terms, you must not use the website.

WE WOULD LIKE TO DRAW YOUR ATTENTION TO CLAUSE 13 WHICH CONTAINS EXCLUSIONS AND LIMITATIONS OF LIABILITY FOR ANY LOSSES SUFFERED BY YOU IN CONNECTION WITH YOUR USE OF THIS WEBSITE.

If you have any questions, you can write to [email protected]digital.com. Any changes made to the terms will be posted on this page as amended terms. If you do not accept the amended terms, you must not use this website.

1. ABOUT US

1.1 This website is owned and operated by Aon UK Limited (“AUKL”), a company incorporated in England and Wales under company number 0210725 with a registered office address of The Aon Centre, The Leadenhall Building, 122 Leadenhall Street, London, EC3V 4AN.

1.2 Aon Digital acts as an insurance intermediary between insurers and buyers of insurance. For some insurance products available on this website we may have delegated authority from insurers to provide quotes, and/or bind cover, and/or issue policy documents for insurance policies. We will inform you in respect of any product for which we have such authority.

1.3 The content on this website is provided for general information only. It is not intended to amount to advice on which you should rely. If you require any advice on any of the insurance products available on this website please telephone us on +443300545244. Although we make reasonable efforts to update the information on our website, we make no representations, warranties or guarantees, whether express or implied, that the content on this website is accurate, complete or up to date.

References in this website to:

1.4 “Aon Group” include Aon UK Limited and its affiliates. “we”, “our” or “us” are references to Aon UK Limited and/or, where applicable, its third-party service providers and/or subcontractors and other members of the Aon Group.

2. PURPOSE OF THIS WEBSITE

The access and use of this website is voluntary and at no cost to you but you are under no obligation to conduct any business with insurers. The purpose of this website is to enable you to provide information to us in order to obtain an insurance quote, to enable us to provide insurance quotes from insurers together with our TOBA and, for any quote that you accept, enable the payment of premium, confirmation of cover and provision of insurance policy documents.

3. INFORMATION

3.1 The information on this website does not constitute pensions, retirement, financial, investment, tax, legal or any other advice.

3.2 This website holds information about insurer products which may be of interest to you. Neither we nor the Aon Group are recommending any product or service and any decision to purchase any insurer product is solely yours.

3.3 There are risks in using any information, software or products on the internet and we caution you to make sure you completely understand these risks before retrieving, using, relying upon or purchasing anything via the internet. It is your responsibility to verify any information before relying on it.

3.4 We are not responsible for opinions published on third party webpages or forums referring to the services available through this website nor are we responsible for any content generated by users of this website. If we become aware of users publishing defamatory or libellous content on this website, we will remove such content from our website and reserve the right to take further action.

4. BASIS OF USE

4.1 Subject to your compliance with these terms, we hereby grant you a non-exclusive, non-transferable, royalty-free, revocable licence to use this website solely for the purposes set out in clause 2 above.

4.2 When using this website, you must comply with our acceptable use policy as set out in clause 5 below.

4.3 We reserve the right to suspend, withdraw or restrict access to this website, or any part of it, at any time for any purpose we deem reasonable, without notice. This includes where we believe that you have breached these terms.

4.4 We shall not be obliged to restore any of your data which may be deleted in the course of suspending, withdrawing or restricting your access to this website. It is your responsibility to print out and/or save any materials or data which you may require in the future.

4.5 These terms govern your access to information available on this website including information you provide, and your access to facilities and services offered via this website.

4.6 You are responsible for making all arrangements necessary for you to have access to this website including accessing the internet and installing, configuring and obtaining licences for any software required to use and access this website and for ensuring that software is operating properly.

4.7 You must keep your username and password and any other information confidential, and you must not disclose it to any third party. You are solely responsible for all use of this website when access is obtained through the use of your username and password, whether or not authorised. For your security, we recommend that you close all open browsers and log off from your account relating to this website on completion of your visit.

4.8 If you buy any insurance product via this website you will receive an email inviting you to open an account which you can use to view your documents and request amendments to your cover.

5. ACCEPTABLE USE POLICY

5.1 You may only use this website and any services provided through it for lawful purposes. You must comply with the acceptable use policy set out in this clause (“acceptable use policy”).

5.2 You must not use this website or allow any other person to use this website to:

5.2.1 knowingly transmit any data or send any material that is corrupt or contains viruses, Trojan horses, worms, time-bombs, keystroke loggers, spyware, adware or any other harmful programs or similar computer code designed to adversely affect the operation of any computer software or hardware or perform any act that would cause the website to become unavailable for use by others (including via any form of denial-of service attack);

5.2.2 access without authority, interfere with, damage or disrupt any part of this website, or any software, server or other equipment or network used in the provision of this website (including where owned or used by any third party).

5.3 Breach of these above two requirements is a criminal offence under the Computer Misuse Act 1990. We will report any such breach and disclose your identity to the relevant law enforcement authorities.

5.4 Additionally, you agree not to use this website or to allow another person to use this website (including any content or materials on the website):

5.4.1 in any way that breaches any applicable law or regulation;

5.4.2 in any way that is fraudulent or has any fraudulent purpose or effect;

5.4.3 for your own or another person’s commercial purposes;

5.4.4 to modify, adapt, decipher, decompile, disassemble or reverse engineer any of the software comprised in or in any way making up a part of the website or services provided by the website;

5.4.5 to scrape, reproduce, duplicate, copy, modify, distribute, publish, resell or transmit any element comprised in this website, including any software comprised in it, or the content or services provided through it;

5.4.6 to harm or attempt to harm minors in any way;

5.4.7 to send, knowingly receive, download (except for page caching as required to view this website on the internet in accordance with these terms), post, distribute, disseminate, or otherwise transmit or permit the sending of, any material which is inaccurate, illegal, defamatory, offensive, infringing, obscene, indecent, unsolicited, unauthorised or otherwise objectionable or which may expose you or us to legal action or reputational damage;

5.4.8 to transmit, or procure the sending of, any unsolicited or unauthorised advertising or promotional material or any other form of similar solicitation;

5.4.9 to obtain or attempt to obtain unauthorised access to or interfere with, damage or disrupt any part of this website, or any computer systems, equipment, software or networks on or through which this website is stored or operated;

5.4.10 to access or interfere with another person’s records, impersonate another person or create or use a false identity or e-mail address;

5.4.11 to use any technology or processes of any kind to access, acquire, copy, monitor, navigate or search the website or any portion of it (including the use of data mining, robots or similar data gathering and extraction tools); or

5.4.12 in any way that is not authorised by us.

5.5 You will fully co-operate with us where any law enforcement authorities, regulators or court order requests or directs us to disclose the identity or locate anyone posting any material in breach of our acceptable use policy.

6. CONSEQUENCES OF BREACH OF ACCEPTABLE USE POLICY

6.1 We may monitor and log user activity by users for security purposes and to identify any actual or potential misuse of this website.

6.2 Failure to comply with our acceptable use policy constitutes a material breach of these terms.

6.3 Where we have reason to believe that you have, or that you are likely to, use this website in breach of our acceptable use policy, we may take such action as we reasonably deem appropriate including: immediate, temporary or permanent withdrawal of your right to use this website; immediate, temporary or permanent removal of any material contributed by you to this website; legal proceedings against you; and/or disclosure of such information to law enforcement authorities or regulators as we reasonably feel is necessary.

6.4 We exclude liability for any action we may take in responses to breaches of our acceptable use policy.

7. INSURERS’ PRODUCTS AND SERVICES

7.1 We aim to select safe and trustworthy insurers. However, we are not responsible for products or services provided by insurers. Each insurer has its own insurance policy documents, and we recommend that you carefully read those documents prior to making any purchase.

7.2 We are not an insurer and make no representations or guarantees regarding the quotes, terms, rates, coverage or services offered by insurers through this website.

7.3 You agree that we are not responsible or liable for any loss or damage you may suffer as a result of any acts, omissions, errors or defaults of any insurer in connection with your insurance policy(ies).

7.4 Should you detect any malpractices or abuses by an insurer, we request that you notify us at [email protected] as soon as possible so that we can investigate.

8. PAYMENTS

8.1 Where we take your bank account/credit card payment details for payment, we only do so with your authorisation. Wherever we do this, we use encryption when transmitting payment data to our payment providers in order to protect your data. Our current payment provider is Stripe Inc for credit card payments. We may change our payment providers at any time without notice and will only use payment providers who comply with applicable data protection legislation and hold your details securely.

8.2 We do not hold your payment details directly on our systems, although we are able to securely reference these details directly with the payment provider.

9 INTELLECTUAL PROPERTY RIGHTS

9.1 All intellectual property rights in this website, in the material published on it and in its systems are owned by, licensed or sub-licensed to Aon UK Limited. All content on the website is subject to copyright with all rights reserved.

9.2 You must not remove any acknowledgement that we or any of our contributors is the author of any website content.

9.3 You may download or print content or individual sections or pages of this website for your internal business purposes only.

9.4 You must not use any illustrations, photographs, video or audio sequences or any graphics separately from any accompanying text or explanation.

9.5 You must not post to any social media or modify the paper or digital copies of any materials that you have printed off or downloaded from this website.

9.6 You must not modify, adapt, copy, distribute, download (except for page caching as required to view this website on the internet in accordance with these terms), or post material from this website, nor may you store any part of this website in any other website or include it in any public or private electronic retrieval system or service.

9.7 If you print off, copy, download or post to social media any part of this website in breach of these terms you must, at our option, return or destroy any copies of the materials you have made.

9.8 You must not use any part of the materials on this website for any purposes other than as permitted by these terms without first obtaining our written consent. To enquire, please contact us at [email protected].

10. LINKS FROM OUR WEBSITE

The existence of a link through to any third party’s website is not a recommendation of the products or services offered on any such website or by its owners. We do not accept any responsibility or liability for the content of such websites, or for the services or products offered through such websites. It is your responsibility to check the terms and conditions of any other websites or resources you may visit, and you use them, and the products and/or services made available through them, at your own risk.

11. LINKING TO THIS WEBSITE

You are not permitted to link (or encourage any third party to link) any page on a third party’s website to any part of this website including by framing or hypertext link.

12. EXCLUSION OF WARRANTIES

To the fullest extent possible under any applicable law we exclude all warranties whether express or implied with regard to this website, its content and any services accessed through it.

13. OUR LIABILITY

PLEASE READ THE PROVISIONS OF THIS CLAUSE CAREFULLY, AS THEY EXCLUDE OR LIMIT OUR LIABILITY FOR ANY LOSSES SUFFERED BY YOU IN CONNECTION WITH YOUR USE OF THIS WEBSITE.

13.1 Nothing in these terms excludes or limits any liability that cannot be excluded or limited under applicable law.

13.2 Subject to clause 13.1, we do not accept liability for: loss of income or revenue; loss of profits (whether direct or indirect); loss of contracts; loss of anticipated savings; loss, corruption or misuse of data; loss or damage caused by unavailability of this website; loss or damage caused by actions taken in response to breaches of our acceptable use policy or any indirect, special, incidental, exemplary or consequential damages of any kind.

13.3 You agree that any claim or cause of action arising out of, or related to, this website must be brought within one (1) year after such claim or cause of action arose or be forever barred.

13.3 Whilst we take reasonable steps to ensure that the content of this website is accurate, current and complete, this website and the content and services available via this website are provided “as is”. We do not accept liability for the accuracy or completeness of any website content. We do not accept liability for any errors or omissions or for the content of this website becoming out of date.

13.4 Although we take all reasonable steps to protect our systems using virus checking software, please note that any content downloaded from this website is at your own risk. We do not accept liability for any loss or damage that you suffer as a result of any distributed denial-of-service attacks, computer viruses, Trojan horses, worms, software bombs or other damaging items resulting from your use of this website (including links to any information providers’ websites). You are responsible for protecting your computer systems from exposure to viruses by the use of anti-virus software, firewalls and any other technical measures necessary.

13.5 Should this website be temporarily unavailable, we will take necessary steps to resolve any issue(s), but we do not guarantee the complete, error-free and continuous availability of this website, which might be affected by routine maintenance and updates. We shall not be liable to you or any third party if for any reason this website, or any part of it, is unavailable at any time or for any period of time.

14 SUBMISSION OF INFORMATION VIA THIS WEBSITE

14.1 Please note that information about you is processed in accordance with the Aon Digital privacy notice which forms part of these terms. It is important that you check our privacy notice and that you agree to its contents before you continue using this website. Your continued use of this website will be deemed your confirmation that you agree to our privacy notice and cookie notice and that they apply to your use of this website and all of the information you provide via this website or in connection with receipt of the services provided via this website.

14.2 Whenever you are asked to provide information in connection with this website or the related services, you agree to provide true, accurate, current and complete details. It is your responsibility to check your data to ensure that it is correct and up to date and to advise us or amend it as necessary.

14.3 We shall not be subject to any obligations of confidentiality regarding submitted information or any other communication you send us except as outlined in our privacy notice or as otherwise specifically agreed or required by law.

14.4 Solely to enable us to use information you provide to us for the purposes of these terms and this website, you grant us a non-exclusive licence to (i) convert such information into digital format such that it can be read, utilised and displayed by our computer systems or other technology (ii) use, reproduce, modify, display, publish, distribute, and/or transmit the information in connection with operating, demonstrating, or marketing this website or our services, and (iii) combine the information with other content provided by us. We retain all ownership rights in and to any modifications, enhancements or other contributions made by or on behalf of us to any information provided by you.

14.5 Any application for insurance you may make via this website will not be accepted, and you will have no insurance cover, until you receive confirmation of cover from us.

15. GENERAL

15.1 Each of the provisions of these terms (or part of any provision) is severable. If any such provision is or becomes illegal, invalid or unenforceable in any respect under the law of any jurisdiction, that shall not affect the legality, validity or enforceability of the other provisions of these terms. The provision itself shall apply with the minimum modification necessary to make it legal, valid and enforceable.

15.2 Failure or delay by us in enforcing any provision of these terms shall not be a waiver of that or any other provision of these terms.

15.3 None of these terms shall be enforceable by any third party.

15.4 You may not assign any of your rights or obligations under these terms.

15.5 These terms (including for the avoidance of doubt our privacy notice) constitute the whole agreement and understanding between you and us in relation to their subject matter and the use of this website. Except in case of fraud, all previous agreements, understandings, undertakings, representations, warranties, promises and arrangements between you and us relating to the subject matter of these terms or your use of this website are superseded, except as otherwise expressly stated in these terms.

15.6 We reserve the right at any time to remove, amend, update or vary this website or any content on any page of this website, including these terms, to reflect changes to our services or products, our users’ needs or our business priorities. We will try to give you reasonable notice of any major changes.

15.7 You agree that any notices and other communications regarding these terms may be given by us by e-mail or posted on this website and this will comply with any legal requirement for such communications to be in writing. You also agree that any notice or other communication made in such manner will be deemed received by you twenty-four (24) hours after e-mail or posting.

16 DISPUTES AND APPLICABLE LAW

16.1 These terms and any dispute or claim arising out of or in connection with them or their subject matter or formation (including non-contractual disputes or claims) shall be governed by and construed in accordance with the law of England and Wales.

16.2 The English courts will have exclusive jurisdiction to hear and determine or otherwise settle any claim, suit, dispute or action arising out of or in connection with these terms or their subject matter or any visit to this website or use of the services provided via this website.

17 COMPLAINTS

17.1 If you have any complaints, claims or questions please contact us at [email protected].

17.2 If you are unhappy with our services, and the response that you have received from emailing us has failed to alleviate your concerns, please register a complaint with Aon’s Complaints Team who will ensure that your complaint is referred to an appropriate person:

By post: Aon UK Limited, Central Complaints Team, Briarcliff House, Kingsmead, Farnborough, GU14 7TE By phone: Telephone 01252 768662 By e-mail: [email protected]

17.3 Copies of our complaint handling procedures are available on request.