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TERMS OF WEBSITE USE - last updated 15 January 2024
By accessing this website you agree to be bound by the terms and conditions noted below:
Use and accessibility of our website
Whilst we have taken the utmost care to ensure our website operates seamlessly at all times, without any issues, we rely on third party providers as well as technical issues beyond our control. We cannot guarantee website access at all times, nor that it is bug and virus free.
We would like to point out that you should not use this website in a way that could cause downtime. You acknowledge and agree that you are responsible for electronic communications sent from your computer or smart device.
For information purposes only
The information contained within this site ("the site") is issued by UlysseRe Limited. (UlysseRe). UlysseRe is authorised and regulated by the Financial Conduct Authority.
The site has been prepared solely for information purposes, and is not an offer for any product or service. All information and opinions expressed herein are subject to change without notice.
No reliance
While UlysseRe has endeavoured to ensure the accuracy of the information accessed by the site, UlysseRe does not guarantee or give any warranty as to the accuracy, timeliness or completeness of any information or material on the Site.
No warranty
The materials on the site are provided "as is" without warranty of any kind, either express or implied, to the fullest extent permissible pursuant to applicable law, including and not limited to implied warranties of merchantability, satisfactory quality or fitness for a particular purpose.
UlysseRe further accepts no responsibility or liability for, and makes no warranties that, functions contained at the site will not be interrupted or error free or that defects of any nature will be corrected.
In no event will UlysseRe, or any of its affiliates, be liable to you for any direct, special, indirect, consequential, incidental or any other damages of any kind whatsoever even if UlysseRe or any such affiliate has been advised of the possibility thereof.
Copyright
All proprietary rights in the information received shall remain the property of UlysseRe. Reproduction, redistribution and transmission of any information contained in the site is strictly prohibited. Downloading any material from the site is permissible provided that only one hard copy is made and that this copy includes any copyright or other notices or legends contained in any such information.
UlysseRe expressly prohibits linking by other sites to any part of this Website other than the home page (so called 'deep-linking') or where UlysseRe has otherwise expressly given permission. You may not delete or alter in any way any copyright, trade mark, intellectual property or other legal notices from any part of the Website.
Links to the site
Sites or pages, which are linked to the site, are for information only and have not been reviewed by UlysseRe. UlysseRe has no responsibility for the authors or the content of other sites or pages linked or linking to the site, and UlysseRe accepts no responsibility or liability for any losses or penalties whatsoever that may be incurred as a result of any linking to any location or any link sites.
Indemnity
You undertake to indemnify and keep indemnified UlysseRe and its companies from and against all actions, proceedings, claims, demands, costs, awards and damages howsoever arising directly or indirectly as a result of any material sent to or taken from this Website by you or as a result of any breach of any of the terms of these conditions.
Exclusive jurisdiction
These terms and conditions are governed by and are to be construed in accordance with English law and both UlysseRe and the user irrevocably submit to the exclusive jurisdiction of the courts of England and Wales in respect of any and all disputes or claims whatsoever which may arise from use of this website.
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PRIVACY POLICY
At UlysseRe Limited, Office Suite 2.15, 34 Lime Street, London, EC3M 7AT, we are committed to maintaining your privacy.
We operate a policy devoted to strict customer confidentiality at all times. The company is registered under the Data Protection Act 2018 (the Act). If we make any changes to this Privacy Policy we will immediately notify you by updating this statement on our websites.
Updates
This Privacy Policy is updated from time to time to take account of changes in our business activities, legal requirements and to make sure that it is as transparent as possible, so please check back here for the current version. You can see when this Privacy Policy was last updated by checking at the top of this page.
Information Collected
This applies to information provide by you or third parties including:
General Data - includes your name, date of birth, country of residence/citizenship and your relationships to other people;
Contact data - includes your address, telephone, number and e-mail address;
Identification data - includes government issued identification numbers e.g. your national insurance number, passport number, driving license number and other identifiers, e.g. usernames and social media identifiers;
Product data - includes information about quotations, policies, schemes and claims and any other information relevant to the relevant product, including renewal dates and policy and claim histories;
Claims data - if a claim is made under an insurance policy, this includes information about the claim collected from you and relevant third parties, e.g. withnesses;
Fraud and sanctions related data - includes information obtained as a resulte of our investigations, e.g. carrying out checks of publicly available sources such as newpapers and social media sites and information obtained from checks of fraud databases and sanctions lists such as relationships / clos associations with politially exposed persons;
Credit assessment data - includes information received from credit agencies.
We collect information from our users in a variety of ways, including but not limited to, visits to our site, via online registration, feedback and ordering forms, by e-mail, fax and post. We may ask you for your name, address, telephone number, fax number and e-mail address and/or any additional information if you wish to provide this voluntarily. You can always refuse to supply us with your personal information, but it may prevent you from accessing certain features or from engaging in certain Site related activities.
How do we use the information we have?
Communicate with you and other individuals;
Make assessments and take decisions, including whether to provide you or a third party with our products and services, and on what terms;
Assessing claims, including the validity of any claim and its value and pursuing any losses against you or a third party;
Process payments when you purchase a product or service and any refunds;
Provide our products and services, including insurance administration, taking payment, making changes where requested or necessary, managing renewal, claims assessment, settlement and dispute resolution;
Manage relationships with third parties, e.g. brokers and service providers;
Prevent, detect and investigate fraud and other crime, including by carrying out fraud, sanctions and anti-money laundering checks;
Conduct customer analysis, market research and focus groups, including customer segmentation, campaign planning, creating materials, gathering customer feedback and customer satisfaction surveys;
Carry out data analysis, including to ensure data accuracy and quality and for insurance risk modelling and product and pricing refinement;
Manage complaints, including to allow us to respond to any current complaints, or challenges you or others might raise later, to help us improve our complaints handling processes. We may be obliged to forward details about your complaints, including your Personal Information, to the appropriate authorities, e.g. the relevant ombudsman;
Manage feedback and queries, and handle requests to exercise data subject rights;
Manage our business operations, including by carrying out internal audits, quality assurance and training, financial analysis and accounting, producing management information and performing administrative activities in connection with the services we provide;
Comply with applicable legal, regulatory and professional obligations, including cooperating with regulatory bodies (e.g. the FCA, PRA and ICO), and government authorities, to comply with law enforcement and to manage legal claims;
Establish, enforce and defend our legal rights or those of third parties, including enforcing our terms and conditions, pursuing available remedies and limiting our damages;
We collect information for the purposes of:
1. Personalising your experience on our Site
2. Improving our Site functions and features
3. Improving Customer Service both online and offline
4. Administering content, promotions, surveys or any other Site features
5. Supplying information about our products or services when requested
6. Answering any questions, queries or complaints
7. Executing the requirements of firm orders
8. Providing a first class, confidential and effective service
We may also use the information to keep you informed by post, e-mail or other available channels of features, services, products, promotions and special offers from us. We may sometimes use the information we collect to let you know about important functionality changes to our websites. If you prefer us not to provide you with any of this information, please let us know by emailing us at enquiriesUK@ulyssere.com.
Disclosing the information we have
Customer information is always treated as strictly confidential. We will not disclose it to any third party (other than an affiliated company of UlysseRe Limited) without the express permission of the customer except:
- As required by law.
- In the event that we sell or buy any business or assets, in which case we may disclose your personal data to the prospective seller or buyer of such business or assets.
- If our company or substantially all of its assets are acquired by a third party, in which case personal data held by it about its customers will be one of the transferred assets.
- If we are under a duty to disclose or share your personal data in order to comply with any legal obligation, or in order to enforce or apply our terms of use or terms and conditions of supply and other agreements; or to protect the rights, property, or safety of us, our customers, or others. This includes exchanging information with other companies and organisations for the purposes of fraud protection and credit risk reduction.
We may pass non-personal aggregated information about sales and website usage to reputable organisations for research or analysis purposes only.
In the unlikely event that information about you is transferred outside the UK we will take all steps reasonably necessary to ensure that your data is treated securely and in accordance with this privacy policy, and applicable legal requirements.
Links to other websites
Our website has a number of links to other websites. We have no control over their content and are therefore not responsible for their privacy practices. We never disclose personal information to sites linked to our website. This privacy policy applies solely to Our website and information collected by us.
Security of information we have
Any information collected by us is collected and processed in accordance with the UK's Data Protection laws. We aim to ensure that the personal information you give us is kept secure and processed fairly and lawfully.
We take all reasonable precautions to protect all personal data that you may input via our websites, however, we cannot be responsible for and therefore exclude all liability for loss or misuse of personal data which is intercepted or otherwise accessed by unauthorised persons.
Your rights
You have legal rights under data protection laws in relation to your Personal Information. In particular, you can contact us for:
Access to your personal information;
Rectification of your personal information;
Erasing your personal information;
Restricting processing of your personal information;
Data portability;
Right to object;
Automated decision making and profiling;
Withdrawing consent.
We may ask you for proof of identity when you make a request to exercise any of these rights. We do this to ensure we only disclose information to the right individual.
We aim to respond to all valid requests within one month. It may take us longer if the request is particularly complicated or you have made several requests. We'll always let you know if we think a response will take longer than one month. We may also ask you to provide more detail about what you want to receive or are concerned about.
We may not always be able to do what you have asked. This is because your rights will not always apply, e.g. if you would impact the duty of confidentiality we owe to others, or if the law allows us to deal with the request in a different way. We will always explaind to you how we are dealing with your request. In some circumstances (such as the right to erasure or withdrawal of consent), exercising a right might mean that we an no longer provide our product to you.
For further information about rights or to exercise any of your rights, please contact us.
Customer information
By using our websites, you consent to the information you give us being processed for any of the purposes we have explained above except where we have received your email message through the email address enquiriesUK@ulyssere.com.
Cookies
Our Site may use "cookies" to enhance your experience of our Site. Your web browser may place cookies on your hard drive for record-keeping purposes and sometimes to track information about your use. You may choose to set your web browser to refuse cookies from our Site, or to alert you when cookies are being sent. If however you choose to refuse these cookies, you may not be able to access or engage features or functions of the Site as intended.
Feedback
If you have any comments, queries or complaints relating to our Privacy Policy, please email us at enquiriesUK@ulyssere.com.
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ACCEPTABLE USE POLICY
Use of Site
You may use our site only for lawful purposes. You may not use our site:
- In any way that breaches any applicable local, national or international law or regulation.
- In any way that is unlawful or fraudulent, or has any unlawful or fraudulent purpose or effect.
- For the purpose of harming or attempting to harm minors in any way.
- To send, knowingly receive, upload, download, use or re-use any material which does not comply with our content standards.
- To transmit, or procure the sending of, any unsolicited or unauthorised advertising or promotional material or any other form of similar solicitation (spam).
Interactive Services
We may from time to time provide interactive services on our site.
Where we do provide any interactive service, we will provide clear information to you about the kind of service offered, if it is moderated and what form of moderation is used (including whether it is human or technical).
We will do our best to assess any possible risks for users from third parties when they use any interactive service provided on our site, and we will decide in each case whether it is appropriate to use moderation of the relevant service (including what kind of moderation to use) in the light of those risks. However, we are under no obligation to oversee, monitor or moderate any interactive service we provide on our site, and we expressly exclude our liability for any loss or damage arising from the use of any interactive service by a user in contravention of our content standards, whether the service is moderated or not.
The use of any of our interactive services by a minor is subject to the consent of their parent or guardian. We advise parents who permit their children to use an interactive service that it is important that they communicate with their children about their safety online, as moderation is not foolproof. Minors who are using any interactive service should be made aware of the potential risks to them.
Where we do moderate an interactive service, we will normally provide you with a means of contacting the moderator, should a concern or difficulty arise.
Content Standards
These content standards apply to any and all material which you contribute to our site (contributions), and to any interactive services associated with it.
You must comply with the spirit of the following standards as well as the letter. The standards apply to each part of any contribution as well as to its whole.
Contributions must:
- Be accurate (where they state facts).
- Be genuinely held (where they state opinions).
- Comply with applicable law in the UK and in any country from which they are posted.
Contributions must not:
- Contain any material which is defamatory of any person.
- Contain any material which is obscene, offensive, hateful or inflammatory.
- Promote sexually explicit material.
- Promote violence.
- Promote discrimination based on race, sex, religion, nationality, disability, sexual orientation or age.
- Infringe any copyright, database right or trade mark of any other person.
- Be likely to deceive any person.
- Be made in breach of any legal duty owed to a third party, such as a contractual duty or a duty of confidence.
- Promote any illegal activity.
- Be threatening, abuse or invade anothers privacy, or cause annoyance, inconvenience or needless anxiety.
- Be likely to harass, upset, embarrass, alarm or annoy any other person.
- Be used to impersonate any person, or to misrepresent your identity or affiliation with any person.
- Give the impression that they emanate from us, if this is not the case.
- Advocate, promote or assist any unlawful act such as (by way of example only) copyright infringement or computer misuse.
Suspension and termination
We will determine, in our discretion, whether there has been a breach of this acceptable use policy through your use of our site. When a breach of this policy has occurred, we may take such action as we deem appropriate.
Failure to comply with this acceptable use policy constitutes a material breach of the terms of use upon which you are permitted to use our site, and may result in our taking all or any of the following actions:
- Immediate, temporary or permanent withdrawal of your right to use our site.
- Immediate, temporary or permanent removal of any posting or material uploaded by you to our site.
- Issue of a warning to you.
- Legal proceedings against you for reimbursement of all costs on an indemnity basis (including, but not limited to, reasonable administrative and legal costs) resulting from the breach.
- Further legal action against you.
- Disclosure of such information to law enforcement authorities as we reasonably feel is necessary.
We exclude liability for actions taken in response to breaches of this acceptable use policy. The responses described in this policy are not limited, and we may take any other action we reasonably deem appropriate.
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