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Legal Notices

Notice & Disclaimer | Terms of Business Agreement | Your Data | Cookies Policy | Regulation | Third Party Web Sites, Links and Information | Governing Law and Jurisdiction

Notice & Disclaimer

Whilst we make every effort to ensure that the contents of this website is accurate, we cannot accept any liability for errors or omissions.

We shall not be liable to any persons for any loss or damage which may arise from the use of any of the information or detail contained within this website.

We make no representation that information on this web site is appropriate or available for use in all countries and prohibits accessing materials from territories where contents are illegal. Those who access this site do so on their own initiative and are responsible for compliance with all applicable laws. If any part of this notice and disclaimer is deemed unlawful, void or for any reason unenforceable then that part will be deemed severable and will not affect the validity and enforceability of the remaining parts.


Terms of Business Agreement

Statement of Demands & Needs
This insurance meets with the demands and needs of those persons who wish to ensure that their private medical insurance requirements are met whilst they are living or working away from their country of nationality.

Financial Conduct Authority (FCA)
The Financial Conduct Authority is the independent watchdog that regulates financial services in the United Kingdom. Expatriate Healthcare is a trading style of Strategic Insurance Services Limited, 36-38 Botolph Lane, London EC3R 8DE, United Kingdom; who is authorised and regulated by the Financial Conduct Authority. Our FCA Firm Reference Number is 307133. Strategic Insurance Services Limited is authorised to carry on Regulated Activities in accordance with the permissions granted by the FCA under Part IV of the Financial Services and Markets Act 2000. You can check this on the FCA’s Register by visiting the FCA’s websitewww.fsa.gov.uk or by contacting the FCA on +44 (0)845 606 1234.

We believe that all our customers, regardless of where the policy was sold, should be entitled to the same regulatory benefits and protections as those purchasing cover in a FCA regulated territory. Accordingly, wherever possible, we shall extend these benefits to all of our customers.

Confidentiality and Data Protection
We will treat all your personal information as private and confidential to us and anyone else involved in the normal course of underwriting, managing and administering your insurance, any subsequent claim or renewal, even when you are no longer a customer. We will not give anyone else any personal information except on your instructions or authority, or where we are required to do so by law, or by virtue of our regulatory requirements. In some circumstances it will be necessary for us to pass on your data to third parties, this may include, but is not limited to, underwriters, medical practitioners, hospitals, medical assistance companies, claims administrators and loss adjusters. Your signing of the application form gives us permission to pass on your personal information, solely for the purposes referred to above, which includes any sensitive information, such as your medical information. Under the Data Protection Act 1998 you have the right to see personal information about you that we hold in our records. If you have any queries please write to us at our usual office address.

Our Service
Your insurance is provided and administered by: Expatriate Healthcare (Strategic Insurance Services Limited), 36-38 Botolph Lane, London EC3R 8DE, United Kingdom. You will not receive advice or a recommendation from us with regards to this insurance, you will need to make your own choice about how to proceed.

What products we offer?
We only offer products provided by Expatriate Healthcare.

You will be insured by
GBG Insurance Limited, Level 5, Mill Court, La Charroterie, St Peter Port, Guernsey, GY1 1EJ. Authorised and regulated by the Guernsey Financial Services Commission (GFSC). GFSC Reference:1025170.

Information on how we treat Payments You make to Us
Under the terms of our agreements with the Insurance companies with whom we place business, we normally receive premiums you pay to us as Agent of the Insurer. All insurance premiums you pay to us are protected in a Non-Statutory Trust Account until we pay insurers. We may use premiums kept in this account to provide credit to our customers, and, as a result we maintain additional capital resources and strict credit-control and monitoring procedures, as required by the FCA. We do not pay any interest on premiums held by us in the course of arranging and administering your insurance.

What you will pay for our services
We receive a commission from the insurer with who we place this business. If your insurance has been arranged via an insurance broker or intermediary, we will pay them a commission. You should not be charged a separate amount by them if their sole consideration is the advice and provision of the Expatriate Healthcare Plan.

What to do if you have a complaint
We aim to give You the highest standards of service and to meet any claims covered by this policy promptly and fairly. However if You feel that we have not met these standards we would like to hear from You. If You have cause for complaint we will investigate and review Your case immediately and respond to You in writing.

If you have a complaint about how your policy was sold or administered, or about the settlement of a claim, please contact:
The Healthcare Manager
Expatriate Healthcare
36-38 Botolph Lane
London EC3R 8DE
ENGLAND
Tel: +44 20 3551 6634
Fax: +44 (0)870 428 5141

You may also choose to use the European Commission’s Online Dispute Resolution platform (https://webgate.ec.europa.eu/odr/main/index.cfm?event=main.home.show&lng=EN) however please note that this may result in your complaint taking longer to reach us and therefore longer for us to resolve.

Beyond Expatriate Healthcare: If We have given You Our final response and You are still dissatisfied You may refer Your case to the Financial Ombudsman Service (Ombudsman). The FOS is an independent body that arbitrate on complaints about general insurance products. It will only consider complaints after We have provided You with written confirmation that Our internal complaints procedure has been exhausted. The Ombudsman can be contacted at:
Insurance Division
Financial Ombudsman Service
South Quay Plaza
183 Marsh Wall
London E14 9SR
Telephone: 0845 080 1800
Fax: 020 7964 1001

Please note that You have six months from the date of Our final response in which to refer Your complaint to the Ombudsman.

Referral to the FSO will not affect Your right to take legal action against Us.

Your right to cancel
If for any reason you are not satisfied with the Policy provided you may cancel your cover within 30 days of the Effective Date or any subsequent Renewal Date and, so long as you have not made a claim in that period, your premium for the new Period of Cover will be refunded in full. If you do not exercise this cancellation right, the insurance policy will be binding on you.

Are we covered by the Financial Services Compensation Scheme (FSCS)?
GBG Insurance Limited, Level 5, Mill Court, La Charroterie, St Peter Port, Guernsey, GY1 1EJ is authorised and regulated by the Guernsey Financial Services Commission (GFSC Reference:1025170) and is not part of the Financial Services Compensation Scheme (FSCS) in the event of it becoming insolvent.

Language used
The English language will be used for all communications, the contractual terms and conditions, and any information we are required to supply to you, before and during the duration of the contract.

Your Duty to Give Information
It is Your responsibility to provide complete and accurate information to insurers when You take out Your insurance policy, throughout the life of Your policy, and when You renew Your insurance.

It is important that You ensure that all statements You make on proposal forms, statements of fact, claim forms and other documents are full and accurate.

Please note that if You fail to disclose any information or change in circumstances to Your insurers which could influence the cost, or their decision to accept Your insurance, this could invalidate Your insurance cover, and could mean that part or all of a claim may be not be paid.

Cookies
Our website uses cookies to distinguish you from other users of our website. This helps us to provide you with a good experience when you browse our website and also allows us to improve our site. For detailed information on the cookies we use and the purposes for which we use them see our Cookie policy.

 border="0" /></a></div> <p><a name="3"></a></p> <hr class="mainrule" /> <h2>Your Data</h2> <h3><strong>Your</strong> data will be protected by <strong>Us</strong> in accordance with the Data Protection Act.</h3> <p><strong>You</strong> have the right to access any personal <strong>information</strong> that we hold in respect of <strong>You</strong>. <strong>You</strong> also have the right to amend or delete any information <strong>We</strong> hold about <strong>You</strong>, if <strong>You</strong> believe that it is inaccurate or out of date.</p> <p>In some circumstances it will be necessary for <strong>Us</strong> to pass on <strong>Your</strong> data to third parties to enable <strong>Us</strong> to underwrite, manage and administer <strong>Your</strong> insurance coverage and any subsequent claim or renewal. This may include, but is not limited to, Underwriters, Medical Practitioners, Hospitals, Medical Assistance Companies, Claims Administrators and Loss Adjusters.</p> <p><strong>Your</strong> signing of the application form (physically or electronically) gives <strong>Us</strong> permission to pass on <strong>Your</strong> personal information, solely for the purposes referred to above, which includes any sensitive information, such as <strong>Your</strong> medical information.</p> <p><a name="4"></a></p> <hr class="mainrule" /> <h2>Cookies Policy</h2> <p>Our website uses cookies to distinguish you from other users of our website. This helps us to provide you with a good experience when you browse our website and also allows us to improve our site.</p> <p>We use cookies so we can analyse how our visitors use our sites and to help us provide a better experience for our visitors.</p> <p><strong>About Cookies</strong><br /> A cookie is a small file typically consisting of a string of letters and numbers that is sent by a web server to a web browser (e.g. Internet Explorer, Chrome or Firefox), and stored by the browser. This small file is then sent back to the server each time the browser requests a page from the server.</p> <p>Cookies can be used by web servers to identity and track users as they navigate different pages on a website and to identify users returning to a website. In essence, cookies are small text files that are placed on your device by websites that you visit or certain emails that you open. The cookies used on our sites do not contain any personally identifiable information about you. We are committed to protecting your personal information.</p> <p>Cookies can be either "persistent" cookies or "session" cookies. A persistent cookie consists of a text file sent by a web server to a web browser, which will be stored by the browser and will remain valid until its set expiry date (unless deleted by the user before the expiry date). A session cookie, on the other hand, will expire at the end of the user session, effectively when the web browser is closed.</p> <p><strong>How we use Cookies</strong><br /> We may use the information we obtain from your use of our cookies for the following purposes:</p> <ul> <li>to recognise your device when you visit our website;</li> <li>to improve the website’s usability;</li> <li>to analyse the use of our website;</li> <li>for the general administration of this website; and</li> <li>to improve the security of the website.</li> </ul> <p><strong>Cookies on this website</strong><br /> We use both session cookies and persistent cookies on this website. We may send you the following cookies:</p> <ul> <li>Analytics cookies; and</li> <li>Social media cookies.</li> </ul> <p>Social media cookies are session cookies, whereas Analytics cookies are persistent cookies.</p> <p><strong>Analytics Cookies</strong><br /> "Analytics" cookies allow us to recognise and count the number of visitors and to see how visitors move around the site when they are using it. This assists us in improving the way our website works, and by ensuring that users are finding what they are looking for without difficulty. These cookies provide anonymous data about how our visitors use our site. They use a persistent cookie so they can count return visits. No personally identifiable data is collected about you.</p> <p>In addition, we use third party analytics cookies to analyse the use of this website. Third party analytics cookies generate statistical and other information about website use by means of cookies, which are stored on usersSocial Media Cookies
Our website provides the facility for users to link, share and like content on our website on social media / networking sites such as ‘Facebook’, ‘Twitter’, ‘Google+’ and ‘LinkedIn’. In order for this to work we use these platform’s cookies, which exist only for the duration of a user’s session.

Managing and Blocking Cookies
You can block cookies by activating the setting on your browser that allows you to refuse the setting of all or some cookies. If you use your browser settings to block all cookies (including essential cookies) you may not be able to access all or parts of our site and this may impair your ability to fully utilise our site.

More information about cookies can be found on the website www.aboutcookies.org.

The above site also gives details on how to delete cookies from your device. For information on how to do this on your mobile phone browser, please consult your handset manual, or manufacturer.

Consent
By continuing to use our site, you agree to the placement of cookies on your device. If you choose not to receive our cookies, we cannot guarantee that your experience will be as fulfilling as it would otherwise be. For instance, you will not be able to leave comments or ‘likes’ and tweets on social networks.


Regulation

Expatriate Healthcare is a trading style of Strategic Insurance Services Limited, 36-38 Botolph Lane, London EC3R 8DE, United Kingdom; who is authorised and regulated by the Financial Conduct Authority.

Our FCA Firm Reference Number is 307133.

Strategic Insurance Services Limited are authorised to carry on Regulated Activities in accordance with the permissions granted by the FCA under Part IV of the Financial Services and Markets Act 2000.

You can check this on the FCA’s Register by visiting the FCA’s website www.fsa.gov.uk/register/firmSearchForm.do or by contacting the FCA on +44 (0)845 606 1234.


Third Party Web Sites, Links and Information

The Site may provide hyperlinks to third party websites or access to third party content. We do not control, endorse, or guarantee content found in such sites.

You agree that we are not responsible for any content, associated links, resources, or services associated with a third party site. You further agree that we shall not be liable for any loss or damage of any sort associated with your use of third party content. Links and access to these sites are provided for your convenience only.

To the full extent permissible by law, we disclaim all responsibility for any error, omission or inaccuracy in such material or its failure to comply with the relevant laws or regulations.


Governing Law and Jurisdiction

You agree that all matters relating to your access to, or use of, this web site shall be governed by English Law.

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