Terms of Business - SIP MFO Ltd.

This document (hereafter “Agreement”) constitutes the terms under which we (SIP MFO Ltd trading as SIP Medical Family office, registered at 71-75 Shelton Street, Covent Garden, London, WC2H 9JQ, UK (hereafter “SIP), a UK corporation (reg. no. 14106370) duly registered as an independent insurance intermediary under license number 989310 issued by the FCA, which can be checked by visiting the FCA’s website www.fca.org.uk/register or contacting the FCA on 0800 111 6768) provide services in setting up and managing insurance for your (hereafter “Client”). We assume you accepted these terms unless you tell us differently. Please read this document carefully. If you do not understand any point, please ask for further information. 

These Terms replace all proposals and prior discussions and representations, whether oral or written, between us relating to our appointment as your broker in connection with the setting up and managing of your insurance. These Terms will terminate and be of no further effect if you cancel or fail to renew your insurance. If we carry out any services after an insurance cancellation, the terms might need to continue to apply.

Appointment and authorization

The Client appoints and authorizes SIP to be the Client’s exclusive insurance intermediary for the Client’s international medical insurance needs. SIP may act on its own or subcontract the provision of services under this Agreement to an agent, in particular but not limited to other group companies that are wholly owned subsidiaries of Swiss Insurance Holding AG, Zug, Switzerland.

SIP is herewith authorized to obtain and negotiate quotations for medical insurance, medical services of any kind, instruct, renew, support and cancel medical insurance or medical services, based on the client’s prior consent or assumed consent (such as in case of emergencies), hold, store and process medical records and personal information including of family members of the Client, obtain information from insurance companies, medical assistance companies, hospitals, clinics, doctors and similar service providers, to carry out their duty as the appointed partner for medical insurance.

Toward insurance companies, the Client remains policyholder with all rights and responsibilities (i.e., receiver of claims payments, debtor of the premium). Likewise, towards medical and other service providers, the Client remains the contractual party with all rights and responsibilities.

Independent intermediary and advisor

SIP is a duly licensed and registered independent insurance intermediary and acting as an independent advisor for medical and health related services. SIP has neither product obligations nor exclusive contracts with any particular insurance provider and is, therefore, impartial and independent. The Client herewith confirms that SIP has separately informed the Client about the different insurance providers it currently works with and the responsible persons at SIP.

Contract period

This Agreement shall commence with immediate effect. This Agreement is entered into for an indefinite period but can be cancelled at any time by either party. The termination of this Agreement for whatever reason shall not affect any accrued rights or liabilities of either party under this Agreement or the coming into force or the continuance in force of any provision of this Agreement which is expressly or by implication intended to come into or continue to be in force on or after termination.

No medical advice or medical services

It is expressly acknowledged and agreed that SIP is not licensed, authorized, or qualified to provide and does not/will never provide any kind of medical advice or medical services. SIP has no obligations or liabilities under this Agreement in respect of any such matters.

Remuneration

The advice, support and management of medical insurance is remunerated on the basis of a commission which is paid by the insurance providers, under a commission agreement between SIP and the insurance providers. Such commission ranges from 10% to 20% of the insurance premiums or of the service provider fees in any given year, and up to 25% on first year insurance premiums. The Client herewith agrees with such commission payment-based remuneration of SIP.

Services Offered

Our services may include:

• consultation on your insurance needs
• setting up your insurance policy
• issuing policy documentation to you in a timely manner
• assisting and consulting you on any ongoing adjustments you want to make to your insurance.
• assisting with claims procedures, obtaining pre-authorizations and guarantees of payment

Our goal is to ensure that the products or services we offer match your requirements. We will try to identify your insurance requirements based on the information you provide to us. If we cannot match your requirements, we will try to explain the differences in the product or service we offer you and will aim to provide you with enough information so you can make an informed decision about your insurance.

We will explain the main features of the products and services we offer, including main details and benefits of cover, any unusual restrictions or exclusions, any significant conditions or obligations which you must meet and the period of cover. This does not replace your obligation to read the insurance policy terms and conditions and ask us for clarification if you do not understand certain parts of it.

Recommendations offered to you will be based on your stated objectives, captured and documented in the Demands & Needs Statement. Your Demands & Needs Statement can be found in our Health Insurance Review or Proposition document. This document includes our quotations, explains, and confirms the basis of our recommendations.

If business is transacted on a non-advised or execution only basis (directly on your instructions whereby you will not have requested nor received advice, or where pre-prepared questions are used to determine the product and provider) or on a restricted advice basis (where the Firm’s recommendations were restricted by the fact that not all relevant information was made available). If these situations exist, you will appreciate that our responsibility to you will be limited accordingly.

Financial Services Compensation Scheme (FSCS)

We are covered by the FSCS. You may be entitled to compensation from the scheme if we cannot meet our obligations. This depends on the type of buisiness and the circumstances of the claim. Further information about the compensation scheme arrangements is available from the FSCS at www.fscs.org.uk. 

Annual Renewals

We will write to you before the end of your insurance policy explaining what you need to do and, if we can renew your insurance policy, will send you details of the cost and terms.

If you do not tell us or your insurer that you do not want to renew your insurance policy, your insurer may assume, but has no obligation to, that you need them to renew the policy to protect your interests relating to what you have insured. If they do renew your insurance policy you may be liable (responsible) to make payment to your insurer. In addition, if you pay for your insurance policy by direct debit or instalment payments, your insurer will continue to accept payment from you unless and until you specifically notify your insurer that you wish to cancel your insurance policy.

You will receive a Statement of Demands and Needs each year, outlining our recommendations, irrespective of whether you move insurance companies. If your demands and needs have changed, you must inform us about this before or shortly after receiving our Health Insurance Review or Proposition document or the renewal documents of your insurance company.

Annual Renewals (without advice)

As outlined above we will always do our best to contact you prior to the renewal of your policy, however, there may be occasions where we are unable to make contact. In these instances the following will apply:

Prior to renewal of your policy, you will receive a renewal documentation pack in respect of your policy. If you take no further action on receipt of the renewal pack and premiums are paid and up to date, then any policies in place will renew on the terms outlined in the renewal documentation. However, you should be aware that any annual renewal constitutes a new contract with the insurance provider and you will be entering into this new contract on a non-advised basis having received no advice from us.

Accurate Disclosure of all Material Facts

It is your responsibility to ensure that all statements you make in emails, on proposal forms, claims forms and other documents are full and accurate. It is important that you answer all the questions honestly, to the best of your knowledge and provide full answers and relevant details. If you do not answer the questions honestly or to the best of your knowledge, insurers may have the right to impose different terms, reduce the amount of any claim payable or cancel the insurance contract from the start and, in this event, any claims under the contract would not be paid.

Definition of a Consumer: A policyholder acting for purposes outside his trade, business or profession.

Definition of a Commercial customer: A customer who is not a consumer.

Duty of Fair Presentation (Commercial clients)

Before entering into a contract of insurance, prior to a midterm alteration and ahead of your policy renewal, it is your statutory duty to make a fair presentation of your risk. This information must be provided in a clear and accessible format.

You must disclose, where practical, all material circumstances about your risk, this being information that might affect the judgement of a prudent insurer in deciding whether to accept your risk or not – should you require additional explanation of what constitutes a material circumstance, please contact.

You must make reasonable inquiries before presenting your risk and ensure that all individuals holding knowledge about the risk have been approached in the compilation of this information. If you feel you have not been able to do so, please advise us so we can allow insurance underwriters to make further inquiries if they wish to do so. You must complete any proposal forms honestly, accurately and in good faith. Before placing your insurance requirements, we conduct a Fact Find bas asking you questions to understand your current situation and potential future plan, in relation to your insurance. The insurance underwriter will expect us to use any information you provide to assess your risks in order to calculate a premium. If any misrepresentation is determined on information provided by you, this could result in any policy being cancelled and potential claims being declined. The insurer may be entitled to retain any premium received in this case or may apply additional terms to your policy.

Misrepresentations Act (Consumers only)

You are respectfully reminded of your duty to take reasonable care not to make a misrepresentation in any information that is provided by you to insurers and to answer all questions asked by insurers honestly. Under the Consumer Insurance (Disclosure and Representations) Act 2012, a misrepresentation may amount to a failure to comply with a request from an insurer for confirmation, or amendment, of details previously provided by you. Please be aware that the duty to take care not to make a misrepresentation exists not just prior to any placement being affected but also at any subsequent renewal and any variation of the contract terms during the period of insurance.

In the event of a deliberate or reckless misrepresentation, insurers may avoid the contract. Under the Consumer Insurance (Disclosure and Representations) Act 2012, a deliberate or reckless misrepresentation is a misrepresentation where you know it to be untrue or misleading (or do not care either way) and that you know (or do not care) that the matter to which it relates is relevant to insurers.

Insurers may also avoid the contract where a careless misrepresentation has been made. A careless misrepresentation is a misrepresentation that is neither deliberate or reckless. In such instances, if insurers would not have entered into the contract had the careless misrepresentation not been made, then insurers may be entitled to avoid the contract. However, if insurers would have imposed different terms had the careless misrepresentation not been made, then insurers may be entitled to treat the contract as if those terms applied.

Client Instruction

We prefer that any instructions be given in writing. If any advice, request for instruction or instructions are given orally, then they must be confirmed in writing, to avoid possible disputes. We may refuse at our discretion to accept certain instructions, although such discretion will not be exercised unreasonably.

Conflict of Interest & Material Interest

Occasions can arise where we, or one of our other clients, may have some form of interest in business, which we are transacting for you. If we become aware that our interests or those of one of our other client’s conflict with your interests, we will inform you and obtain your consent before we carry out your instructions

Receiving Payments from Clients

SIP does not handle client monies. We never handle cash or accept a cheque made out to us unless it is a cheque in settlement of our charges or disbursements which we have previously disclosed to you (normally through a fee agreement).

Crossed cheques should only be made payable directly to the insurance company and to the relevant third party for various ancillary fees. You should decline to give any money to, or write cheques payable personally to an individual adviser. Individuals that represent SIP are not to handle client money and any receipt by them personally of such a payment from you will not be regarded by us as being a transaction for which we will have any responsibility.

Credit and Sanctions Checks

To make sure you get the best offer from Insurers or Third Parties involved in your insurance, now or at any renewal or at any time and to protect the involved parties from fraud, to verify your identity, or check sanctions publicly available data which can be obtained from a variety of sources, including a credit reference agency and other external organisations, may be used.

Complaints Procedure

Our aim is to always provide a high standard of service to you. However, we recognise that things can go wrong occasionally and if this occurs we are committed to resolving matters promptly and fairly. If you wish to make a complaint, please contact us in any of the following ways. In writing to SIP MFO Ltd. of 71-75 Shelton Street, Covent Garden, London, WC2H 9JQ, UK, email uk@sip.ch, telephone +44 2080 587 030 or by using the form that can be found under https://www.sip.ch/regulation-complaint/. If you are unhappy with our decision, or if we do not complete our investigation within eight weeks, you may be entitled to refer your complaint to the Financial Ombudsman Service (FOS). You can find further details at www.financial-ombudsman.org.uk. We promise to deal with your complaint in a fair and objective manner.

In order to refer a complaint to the FOS, you must meet the FOS eligibility criteria. The FOS will consider complaints from a private individual, a small business which has an annual turnover of less than £6.5 million; and it employs fewer than 50 persons or it has a balance sheet total of less than £5 million. A charity which has annual income of less than £6.5 million and a trustee of a trust which has net asset value of less than £5 million.

Introductions and Referrals

There will be occasions when clients are introduced to us from third parties, for example accountants or solicitors. Under such circumstances, we may rebate part of the commission we receive back to the introducer, as payment for making the introduction. The responsibility for disclosing this payment will be with the introducer.

Cancellation or making mid-term changes to your insurance policy

Retail Customers – You can cancel or make changes to your insurance policy at any time simply by contacting us. Depending on when you cancel or what changes you make different fees might be applied. Detailed in your policy document are your rights to cancel your insurance under what is commonly known as a ‘cooling off’ period. Depending on the type of policy you have purchased, you may be entitled to cancel within 14 or 30 days of either conclusion of the contract or receiving your policy documentation, whichever occurs later.

If you cancel your insurance policy after the Cooling Off Period has ended or if you make changes to your insurance policy during its term which reduce the cover provided under the policy, we may charge you for our time and costs. This will result in us reducing any amount we refund to you by the full amount of the commission and fees we would have received had you not cancelled or amended your insurance policy. This is because the majority of our costs are incurred either in initially finding and setting up your insurance policy or in the annual renewal process when we might check the ongoing suitability of the cover the insurance policy offers. These costs are recovered through the commission we earn. If you cancel, this does not give us an opportunity to recover the costs we incurred and would often result in us making a loss. However, any charge we make will not exceed the cost of the commission and fees we would have earned.

A Cooling Off Period does not apply to policies of less than one month’s duration or single-trip travel policies. You will find full details of the cancellation terms applicable to your insurance policy and any related charges that your insurer may apply in your policy documentation.

For Commercial Clients, cancellation rights are determined by the type of insurance contract and the cancellation clauses specific to that contract. Any rights to cancel will be detailed in the policy documentation provided by the insurer.

Commercial Clients

This section applies where we have agreed to charge fees in lieu (“FIL”) as an alternative to receiving commission. This means we will charge you for our services instead of being paid by the insurer who we arrange your insurance policy with. The services we will perform will be set out in a separate service level agreement (“Service Summary”). If we do receive commission which is directly connected with the insurance(s) placed by us on your behalf, it will be retained by us but used to reduce the amounts that become due and payable by you under these Terms.

Unless otherwise agreed by us the FIL will cover the period set out in the Service Summary. The FIL is calculated by reference to the full term of the insurance policy or policies arranged for you. Unless we agree otherwise no refund of any FIL or other remuneration shall be payable in the event that the actual period of insurance is less than the full term or you terminate these Terms before the expiry of any policy arranged by us on your behalf.

If we are obliged to refund any commission which has been paid to us and retained by us in lieu of all or part of the FIL because your insurance is retained for less than the full term, or you terminate your policy or policies, we reserve the right to charge you for the amount of commission refunded.

We may charge fees in addition to the FIL where we provide services at your request that are not included in the Service Summary. We will agree these additional charges with you before they are incurred, failing which the additional fee will be calculated by reference to the hourly charge out rate which applies to the staff involved in providing such additional services. The hourly charge out rate for any additional services is subject to any applicable tax which may be levied from time to time and does not include travelling or other expenses where the additional services are performed other than at our offices. Our fees will be based on our estimate of the work involved in delivering the agreed services in combination with the cost and complexity of your insurance arrangements. All fees will be agreed in advance with you.

Cancellation of Existing Policies

If you are replacing existing policies with cover from a new insurance provider, then it is incumbent on you to ensure any redundant policies are fully cancelled. This includes the need for you to cancel any Bank Direct Debit Mandates that may be in place. SIP cannot be held responsible for any overpayments made by you due to non-cancellation of these redundant policies.

Financial Crime

The National Crime Agency (NCA) requires us to report any suspicious transactions to them, and we may have to obtain evidence of client’s identity at the start of a business relationship. We may ask for sight of your passport, utility bill or bank statements. For companies, evidence usually consists of a copy of the Certificate of Incorporation or we may check the Companies House register.

In providing our services to you, we will not engage in any activity which would breach any applicable financial crime law, statue or regulation. These include, but are not limited to, those relating to financial and economic sanctions, the facility of tax evasion, anti-bribery and corruption, anti-money laundering and/or combatting the financing of terrorism.

We will not arrange any insurance or benefit or pay any claim which may result in us breaching any such laws, statutes or regulations. Where we reasonably believe that it is necessary or desirable, we may take certain actions including, but not limited to, ceasing to provide services to you and/or passing your details to relevant authorities or regulators. Where we reasonably believe that we are prohibited from doing so, we will not disclose the fact that we have taken such actions against you.

Additional information: Distance Communications

Where you are likely to do business with us at a distance i.e. we communicate exclusively by telephone, post, or email then it is very important that you read the following points:

• the Firm will provide you with a service as detailed in our Terms of Business
• telephone calls may be recorded for training and monitoring purposes
• please note there is the possibility that other taxes or costs may exist that are not paid through the Firm or imposed by it
• there are no specific additional costs imposed by the Firm for dealing exclusively at a distance
• please take care to read the warnings issued in any provider literature. If you are unsure then please ask us to explain in more detail.
• the Firm does not place any specific limitations on the period for which the information provided remains valid. If you are unsure if something still remains valid then please ask and we will clarify
• this contract will exist until terminated by either party
• the provisions of this Agreement and the relationship created by it shall be governed by English Law and subject to the exclusive jurisdiction of the English courts
• this contract is supplied in English Language and will be communicated in English language

Confidentiality (how we use your information)

SIP is the data Controller of the personal data(information) you provide to us. We will use your personal information to:

• assess and provide the products or services that you have requested
• communicate with you in relation to servicing and administering your product
• develop new products and services
• undertake statistical analysis to help us improve our services and products
• provide additional assistance for these products or services
• notify you of important changes to products and functionality changes to our website

All personal information about you will be treated as private and confidential. We are registered with the Information Commissioner Office as a Data Controller. We undertake to comply with the General Data Protection Regulation (GDPR) in all our dealings with your personal data. We follow strict security procedures in the storage and disclosure of your personal information in line with industry practice.

Further information is included in our privacy notice, full details of which can be found here https://www.sip.ch/tobuk. This gives you more information on who we are, the types of information we hold, how we use it, who we share it with, how long we keep it for and informs you of certain rights you have regarding your personal information. If you are unable to access this website, we can send the privacy notice to you at no cost. You can also contact us for general data protection queries at SIP MFO Ltd. of 71-75 Shelton Street, Covent Garden, London, WC2H 9JQ, UK, email uk@sip.ch, telephone +44 2080 587 030.

Information which you provide to us will not be used or disclosed by us to other parties, except in the normal course of handling a contract of insurance or a claim on your behalf and any related activities, unless we have obtained the necessary consent from you or where we are required to by law or a regulatory body that has authority over us. We will take appropriate steps to maintain the security of your confidential documents and information which are in our possession.

Making a Claim or Reporting a Potential Claim

If you wish to make a claim or report a potential claim, please follow the instructions provided with your policy documentation, quoting your insurance policy number or other reference given to you.

Security and Solvency of Insurers

We do not guarantee the solvency of any insurer we place business with. We endeavour to place business with insurers with adequate levels of financial solvency. However, we cannot guarantee the solvency of any insurer and shall not be liable (responsible) for losses suffered by you in the event of the insolvency of an insurer. A liability for the premium, whether in full or pro rata, may arise under policies where a participating insurer becomes insolvent.

Client Verification

We will validate name, address and other personal information supplied by you during the order process against appropriate third party databases. By accepting these terms and conditions you consent to such checks being made. All information provided by you will be treated securely and strictly in accordance with General Data Protection Regulation.

Use of other Intermediaries

Where we consider it to be appropriate and for your benefit, it may be necessary for us to request another broker or intermediary to act as our agent and assist in the placement of your insurance product. In such cases, we will provide specific instructions to such sub-agents to meet your insurance requirements.

Limitation / Exclusion of Liability

SIP does not exclude its liability arising from its gross negligence or willful default. Any other liability of SIP is however excluded to the fullest extent permitted by law. SIP will therefore, in particular, not be liable for any act, omission or failure of any SIP directors, officers or employees; any agent or representative of SIP; any Government Authority, Parliament, Court or other sovereign, executive or judiciary body of any country, or any international or supranational organization; any insurance company, medical professional, hospital or other service provider which SIP may introduce the Client and/ or any family member; and/or any other third party. SIP shall not be liable for any delay, interruption or failure in performing its services. SIP has a professional liability insurance policy covering up to £ 1’850’000 any one claim, to which our liability is limited in all cirumstances. This is also the maximum amount of liability of SIP which the Client herewith agrees to, and only to the extent that this is covered by the said insurance policy.

You are welcome to contact us to discuss increasing the limitations of our liability and/or varying the exclusions set out above. However, an additional charge and other terms may apply.

Severability and Assignment

Should one of the provisions of this contract be invalid, void or unenforceable, this shall not affect the validity or enforceability of the remaining provisions. SIP shall be entitled to assign any of its rights and/or obligations under this Agreement at any time to any third party.

Applicable law and jurisdiction

This Agreement shall in all respects be governed by and construed in accordance with the substantive laws of England and Wales (with the exclusion of conflict of law rules), and exclusive place of jurisdiction, for all disputes arising out of or in connection with this Agreement (including any dispute regarding the existence, validity, or termination thereof), shall be the English courts.

We (SIP MFO Ltd trading as SIP Medical Family Office, registered at 71-75 Shelton Street, Covent Garden, London, United Kingdom, WC2H 9JQ, UK («SIP»), a UK corporation (reg. no. 14106370) duly registered as an independent insurance intermediary under license number 989310 issued by the FCA, which can be checked by visiting the FCA’s website www.fca.org.uk/register or contacting the FCA on 0800 111 6768) recognise our responsibility to treat your personal information with care and to comply with all relevant legislation, in particular, the Data Protection Act 2018 and the EU General Data Protection Regulation (GDPR) – the “legislation”. This notice covers our requirement to provide you with information on how and why we use your personal data and of your rights under the legislation. The terms used in this Notice are based on the Information Commissioner’s Office (ICO). You can find out more about the ICO here: https://ico.org.uk.

Data Controller

SIP is the “Data controller” of the information you provide us and is registered with the Information Commissioner’s Office for the products and services we provide to you.  Registration number ZB450173. You can also contact us for general data protection queries via email to uk@sip.ch or in writing to SIP MFO Ltd 71-75 Shelton Street, Covent Garden, London, WC2H 9JQ or Telephone on 02080 587030. Please advise us of as much detail as possible to comply with your request.

Personal Information

We will use personal information about you mainly to provide you with a quotation from Insurers, arrange and administer your policy if you buy one through us, inform you about our other products and services and statistical analysis.

Some of the personal information we ask you to provide may be sensitive (special category) as defined in the legislation such as information about your medical history. We can collect such information for insurance purposes without your specific consent but it will only be used for the purposes set out above.  If you give us information about another person, in doing so you confirm that they have given you permission to provide it to us and that we may use their personal data in the same way as your own as set out in this notice.

Legal Basis for processing your Personal Information

We are required to have a lawful basis (as defined) in order to process your personal data and the relevant bases which we use are show in the table below.

Marketing

We may contact you by email, text, telephone, mail or other agreed means to keep you up to date about our products and services.  The legislation allows us to do this in our own commercial interests for certain communications with previous customers. In other circumstances, we can only do so with your explicit consent. In all cases, you can opt-out from receiving such communications at any time.

Disclosure of your Personal Information

As a necessary part of providing you with the services described above we may need to disclose your personal data to other third parties. These may include:-

• insurers, Other Insurance Intermediaries, Insurance Industry databases
• regulatory authorities, the Police and other law enforcement bodies

Fraud prevention and detection

To prevent and detect fraud we may at any time:

• share information about you with other organisations and public bodies including the Police
• check and/or file your details with fraud prevention agencies and databases.
• undertake credit searches and additional fraud searches

We can supply on request further details of the databases which we use.

Credit Search Consent

To make sure you get the best price and terms for your Insurance, we will use the widest possible range of Insurers available to us including some who now carry out searches of their own to protect customers from fraud and to verify identity. They do this using publicly available data which they obtain from a variety of sources, including a credit reference agency and other external organisations to whom they may need to pass some of your personal information. As well as these searches, some Insurers may use a credit check to ascertain the most appropriate payment options for you.

Retention Period

Your data will not be retained for longer than is necessary and will be managed in accordance with our data retention policy. In most cases, the period will be for a maximum of 7 years following the expiry of an insurance contract unless we are required to retain the data for a longer period due to business, legal or regulatory requirements.

Your Rights

You have the following rights in relation to our processing of your personal data:

1. The right to be informed about how we use your personal data (This Privacy Notice)
2. The right to see a copy of the personal information we hold about you. (In most cases this will be free of charge)
3. The right to have personal information rectified if inaccurate or incomplete.
4. The right of erasure of your personal information where there is no compelling reason for its continued processing.
5. The right to restrict processing in certain circumstances, e.g. if its accuracy is being contested.
6. The right to data portability which, subject to certain conditions, allows you to obtain and reuse your personal data across different services.
7. The right to object to certain processing including for the purposes of direct marketing.
8. Rights to information in relation to automated decision making and profiling.

Contact us/Complaints

If you have a complaint about how we use your personal information please contact us at the address below. You also have the right to lodge a complaint with the Information Commissioner’s office at any time.  For further information on this Privacy Notice, to access your personal information or to exercise any of your other rights, please contact us by writing to SIP MFO Ltd. of 71-75 Shelton Street, Covent Garden, London, WC2H 9JQ, or sending an e-mail to sip@uk.ch.

Website Privacy Policy

This privacy policy is for this website www.sip.ch and served by the SIP Medical Family Office and governs the privacy of its users who choose to use it. The policy sets out the different areas where user privacy is concerned and outlines the obligations & requirements of the users, the website and website owners. Furthermore, the way this website processes, stores and protects user data and information will also be detailed within this policy.

Website

This website and its owners take a proactive approach to user privacy and ensure the necessary steps are taken to protect the privacy of its users throughout their visiting experience. This website complies to all UK national laws and requirements for user privacy.

Use of Cookies

This website uses cookies to better the users experience while visiting the website. Where applicable this website uses a cookie control system allowing the user on their first visit to the website to allow or disallow the use of cookies on their computer/device. This complies with recent legislation requirements for websites to obtain explicit consent from users before leaving behind or reading files such as cookies on a user’s computer / device.

Cookies are small files saved to the user’s computers hard drive that track, save and store information about the user’s interactions and usage of the website. This allows the website, through its server to provide the users with a tailored experience within this website.

Users are advised that if they wish to deny the use and saving of cookies from this website onto their computers hard drive they should take necessary steps within their web browsers security settings to block all cookies from this website and its external serving vendors.

This website uses tracking software to monitor its visitors to better understand how they use it. This software is provided by Google Analytics which uses cookies to track visitor usage. The software will save a cookie to your computers hard drive in order to track and monitor your engagement and usage of the website, but will not store, save or collect personal information. You can read Google’s privacy policy here for further information: http://www.google.com/privacy.html.

Other cookies may be stored to your computers hard drive by external vendors when this website uses referral programs, sponsored links or adverts. Such cookies are used for conversion and referral tracking and typically expire after 30 days, though some may take longer. No personal information is stored, saved or collected.

Contact & Communication

Users contacting this website and/or its owners do so at their own discretion and provide any such personal details requested at their own risk. Your personal information is kept private and stored securely until a time it is no longer required or has no use, as detailed in the Data Protection Act 1998. Every effort has been made to ensure a safe and secure form to email submission process but advise users using such form to email processes that they do so at their own risk.

This website and its owners use any information submitted to provide you with further information about the products/services they offer or to assist you in answering any questions or queries you may have submitted. This includes using your details to subscribe you to any email newsletter program the website operates but only if this was made clear to you and your express permission was granted when submitting any form to email process. Or whereby you the consumer have previously purchased from or enquired about purchasing from the company a product or service that the email newsletter relates to. This is by no means an entire list of your user rights in regard to receiving email marketing material. Your details are not passed on to any third parties.

External Links

Although this website only looks to include quality, safe and relevant external links, users are advised to adopt a policy of caution before clicking any external web links mentioned throughout this website. External links are clickable text/banner/image links to other websites.

The owners of this website cannot guarantee or verify the contents of any externally linked website despite their best efforts. Users should therefore note they click on external links at their own risk and this website and its owners cannot be held liable for any damages or implications caused by visiting any external links mentioned.

Social Media Platforms

Communication, engagement and actions taken through external social media platforms that this website and its owners participate on are custom to the terms and conditions as well as the privacy policies held with each social media platform respectively.

Users are advised to use social media platforms wisely and communicate/engage upon them with due care and caution in regard to their own privacy and personal details. This website nor its owners will ever ask for personal or sensitive information through social media platforms and encourage users wishing to discuss sensitive details to contact them through primary communication channels such as by telephone or email.

This website may use social sharing buttons that help share web content directly from web pages to the social media platform in question. Users are advised before using such social sharing buttons that they do so at their own discretion and note that the social media platform may track and save your request to share a web page respectively through your social media platform account.

Shortened Links in Social Media

This website and its owners through their social media platform accounts may share web links to relevant web pages. By default, some social media platforms shorten lengthy URLs.

Users are advised to take caution and good judgement before clicking any shortened URLs published on social media platforms by this website and its owners. Despite the best efforts to ensure only genuine URLs are published many social media platforms are prone to spam and hacking and therefore this website and its owners cannot be held liable for any damages or implications caused by visiting any shortened links.