DEFINITIONS

In these Terms and Conditions unless the context otherwise requires:

“Our”, "us" or "we" means APC London Market.

"Insured" means the insured under a contract of insurance.

"Authorised transactions" are transactions or communications which are either in fact conducted and authorised by you or by an authorised third party on your behalf or which we are entitled to assume are authorised pursuant to these Terms and Conditions.

"Contract of insurance" means a concluded contract of insurance obtained through your use of this Website

"Terms and Conditions" means these terms and conditions

"You" and "your" means you, the person(s) accessing this Website and where the context so requires, includes any party on behalf of whom you use this Website.

"Website" means this website

GENERAL

These Terms and Conditions set out the terms on which you may make use of this Website under the domain name www.apclondonmarkets.com. Please read these Terms and Conditions carefully before you start to use the Website.

By using the Website, you indicate that you accept these Terms and Conditions and that you agree to abide by them including (without limitation) those terms relating to the use of your personal data in accordance with the terms of our Privacy Policy. If you do not agree to these Terms and Conditions, please refrain from using the Website.

We reserve the right to change these Terms and Conditions from time to time. You agree to be bound by the version of these terms which appears on the Website at the time of your access.

Accordingly, you should check these Terms and Conditions every time you access the Website.

INFORMATION ABOUT US

The Website is operated by APC London Market. APC London Market is a trading name of Anglo Pacific Consultants (London) Limited, whose registered office and principle place of business is at 80 Leadenhall Street, London, EC3A 3DH.

Anglo Pacific Consultants (London) Limited are authorised and regulated by the Financial Conduct Authority (FCA) www.fca.org.uk. Firm reference number 304782 under Section IV of the UK Financial Services and Markets Act 2000.

TRADEMARKS

APC London Market is a registered trade mark owned by Anglo Pacific Consultants (London) Ltd.

JURISDICTION

We control and operate the Website from England and the information delivered via the Website is deemed to have been delivered in England. We make no representation that the material contained in the Website is appropriate for use outside the United Kingdom and Europe.

This Website is not directed to any person in any jurisdiction where (by reason of that person’s nationality, residence or otherwise) its’ publication or availability is prohibited. Persons to whom such restrictions apply must not access this Website. You shall be solely responsible for any legal proceedings or other consequence which may arise from you choosing to access this Website from outside the United Kingdom and Europe.

This Website and any transactions effected through it shall be governed by English Law. The English Courts shall have exclusive jurisdiction in any legal proceedings.

All products are subject to availability and may be withdrawn or amended at any time prior to conclusion of a contract of insurance.

COMPLAINTS REGARDING THE PERFORMANCE OF OUR SERVICES

The majority of complaints can be resolved quickly and satisfactorily by the department You are dealing with. It may be that We can resolve Your complaint over the telephone and You can contact the relevant department on 0207 256 3100.

If We have been unable to resolve Your complaint by telephone, please email complaints@apclondonmarkets.com or alternatively write to:

The Chief Operating Officer at Anglo Pacific Consultants (London) Ltd, 80 Leadenhall Street, London, EC3A 3DH.

A trained member of Our staff will review Your complaint and provide You with a final response within 8 weeks.

If You are not satisfied with Our final response or if We have been unable to resolve it within 8 weeks, You may be eligible to refer Your complaint to the Insurance Division of the Financial Ombudsman Service at:

Exchange Tower, Harbour Exchange Square, London, E14 9SR.

You can also contact them on 0800 023 4567 (free from a landline), 0300 123 9123 (free from some mobile phones) or email them at complaint.info@financial-ombudsman.org.uk. Website: www.financial-ombudsman.org.uk.

Using these services does not affect Your right to take legal action.

COMPLAINTS REGARDING A CONTRACT OF INSURANCE

If Your complaint relates to a contract of insurance, please refer to Your quotation and/or policy documents where You will find details of the insurer’s complaints procedure.

If You require any assistance locating the insurer’s complaints procedure, please do not hesitate to contact Us.

USE OF THE INSURANCE INTERNET TRADING PLATFORM

By using the Website, You agree to indemnify and keep Us indemnified from and against all liabilities, costs, claims and demands arising from or in respect of any breach of such agreement.

You will not post any material to the Website which is obscene, defamatory, threatening or otherwise actionable at law or which would constitute a criminal offence. You will indemnify Us against any loss We may suffer by reason of any breach by You of this obligation.

AVAILABILITY AND ACCURACY

We will keep the information on the Website as accurate and up-to-date as possible but no warranty or representation (express or implied) is given regarding the accuracy of any information contained on the Website, and any such warranty or representation is excluded to the fullest extent permitted by law.

While the Website is scanned for and protected against viruses, the success of this is not guaranteed. No warranty is given by Us as to the freedom of the Website from defects, viruses, malicious programs, macros or any other material which is likely to cause harm to Your or anyone else’s computer systems.

We accept no liability in contract, tort or otherwise including negligence for:

  • inability to gain access to the Website as a result of routine or emergency maintenance on the system and/or excessive demand for the Website; and/or
  • delay or failure in transmitting or receiving material.

INTELLECTUAL PROPERTY RIGHTS

All material contained on the Website are proprietary to Anglo Pacific Consultants (London) Ltd or its’ third-party licensors and all intellectual property rights on the Website are reserved to Anglo Pacific Consultants (London) Ltd or its third-party licensors. Anglo Pacific Consultants (London) Ltd grants You a limited licence to access any part of the Website You are authorised to access and print off pages from it.

Anglo Pacific Consultants (London) Ltd also grants registered users a limited licence to access any part of the Website and print off pages from the internet trading platform insofar as is necessary to submit proposal forms, obtain quotes and/or utilise the other functions made available to you by the Website.

You must not:

  • copy, tamper or alter, distribute or use any material or design contained within the Website except as is expressly permitted by these Terms and Conditions or with Our prior written consent; and/or
  • re-use any content of the Website for any other purpose whatsoever.

LINKS TO OTHER WEBSITES

We do not accept any responsibility for the contents of any third-party website that may be linked to the Website by way of hypertext link or other means of reference. You must not link the Website to any other site without Our prior written consent.

SECURITY AND USE OF PERSONAL DATA

We take all reasonable steps to ensure that any information You provide via e-mail and / or via the Website is kept safe and secure‚ however with the nature of the internet‚ the security of emails cannot be guaranteed. The privacy of Your data in such email correspondence cannot therefore be guaranteed. There is no guarantee that any emails You send to Us will be received by Us.

We process information about You in accordance with Our Privacy Policy. By using the Website, You consent to such processing and You agree that all data provided by You is accurate. Additional information regarding the use and security of personal data is available in our Privacy Policy.

OUR INFORMATION

Anglo Pacific Consultants (London) Ltd is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority under Firm Reference No. 304782. Registered in England No. 02852425.