Legal Policy and Privacy

Terms of Business Agreement & Privacy

Animal Friends Insurance Services Limited (Animal Friends) Company number: 3630812 registered office: Animal Friends House, 1 The Crescent, Sun Rise Way, Amesbury, Wiltshire, SP4 7QA. Animal Friends is an underwriting agency placing business on behalf of selected underwriters (referred to as "underwriters"). Your contract of insurance is with underwriters. Animal Friends is authorised and regulated by the Financial Conduct Authority. Animal Friend's FCA Registration Number 307858. This can be checked by visiting the FCA website at http://www.fca.org.uk/register/ or by contacting the FCA on 0845 606 1234

Condition of Use

Please read these conditions carefully. They will form an important part of any contract between us, your underwriters and you. By proceeding on our website and/or applying to us for insurance by telephone you agree to be bound by these terms, which, by proceeding, you confirm you have read and understood.

UK Only

The information on our website is directed only at UK residents. The products and services we sell are only available to UK residents, they are not available in the United States (US). By completing a request for a quotation you confirm that you are resident in the UK and you will immediately notify us if you cease to be so resident. The content of our website and the products and services offered by us comply with appropriate UK legislation and regulation. Unless we have agreed otherwise with you, the Insurance Contract with underwriters shall be subject to the law of England and Wales and to the exclusive jurisdiction of the English courts.

Data Protection and Privacy Statement

Animal Friends will hold and process any personal data you submit to it in the course of applying for pet or other insurance cover. This data will include information regarding direct debit mandates.  We will be acting as data controller under the Data Protection Act 1998 ("DPA") in relation to such personal data and are committed to complying with our legal obligations under the DPA. We will use your personal data for the purposes of arranging for the provision of insurance to you, dealing with renewals and to improve our understanding of your interests and of our products and services.  We will disclose your personal data to the carefully selected insurance companies that will provide cover to you who will process the data for the purposes of providing your insurance cover.  The information we disclose to insurance companies will include that relating to direct debit mandates and in the event that we decide to change your insurance provider, in accordance with these terms and conditions, we will transfer this information from the old to the new insurance provider, along with other personal data.

We will also use your personal data to contact you, by post about products and services which we believe will be of interest to you and we will pass your information on to our group or associated companies for the same purpose.  If you do not wish to receive marketing communications from us and/or other group companies please telephone us on 0344 55 70 300 and we will remove your details from our marketing database.

Cookies

Use of cookies by Animal Friends

Cookies are small text files that are placed on your computer by websites that you visit. They are widely used in order to make websites work, or work more efficiently, as well as to provide information to the owners of the site.

The table below explains the cookies we use and why. 

Cookie Name Purpose More Info

Browser Session Cookie

CONTRETE5

This is an essential CMS session cookie required for the operation of the website and under the legislation is an ‘essential’ cookie that doesn’t require user consent

Date not set

Checks for affiliate referral

Aff_network

This cookie checks how the user has arrived at the website from different affiliate companies so we know which affiliate to pay commission should you make a purchase

30 days from set

Google Analytics

_utma
_utmb
_utmc
_utmz

These cookies are used to collect information about how visitors use our site. We use the information to compile reports and to help us improve the site. The cookies collect information in an anonymous form, including the number of visitors to the site, where visitors have come to the site from and the pages they visited.

Click here for an overview of privacy at Google

Sharethis bookmarking

c_id

pss

lps

These cookies are used to collect information about how visitors utilise the shareaholic feature on the website.  No personal identifiable information is captured on shareaholic unless you are prompted and manually provide this (such as email)

Click here for an overview of privacy at shareaholic.com

Twitter

guest_id

We would love you to follow us on twitter and have provided a useful bookmarking tool on the website.  Twitter sets a single cookie with unique identifier to check if you have clicked on the tweet option

 

Most web browsers allow some control of most cookies through the browser settings. To find out more about cookies, including how to see what cookies have been set and how to manage and delete them, visit www.allaboutcookies.org.

Telephone Calls
Animal Friends will record or monitor telephone calls you make to us for training purposes and with the aim of improving the services that we provide to you.

Links to other Web Sites
The Animal Friends web site contains links to other web sites. Animal Friends accepts no responsibility or liability for the content of these web sites.

Quotes
Animal Friends will provide you with a price for insurance cover based on the information that you provide. Animal Friends reserves the right to quote alternative premiums, or refuse to offer insurance. All quotes are subject to acceptance by underwriters whose final determination is binding. Underwriters reserve the right to apply exclusions where appropriate including a policy exclusion if a pet has a pre-existing condition or where it may require further treatment for an existing or previous condition.

Renewal of your insurance
Prior to the end of the term of your insurance we will contact you to provide you with details of the terms on which it may be renewed.    From time to time we may consider it appropriate or in your interests to change the insurers underwriting our insurance products or to cancel your existing insurance product before the end of its term (if the terms of your insurance allows for cancellation) and transfer your insurance to a new insurance underwriter which we believe offers a broadly similar or better level of insurance cover or benefits and the transfer of which is at no extra cost to you.

If we change the underwriter for the insurance product you have chosen we will contact you prior to the end of the term of your insurance and provide you with details of the new insurer and the terms of the insurance product we are able to offer to you.  Write to us if you do not wish to receive this information.  You may also ask us not to provide you with this information at any time by telephoning us on 0344 55 70 300.

You authorise us to provide you with the insurance product we notify you about and/or to cancel your existing insurance and provide you with the replacement insurance product unless you tell us otherwise before the new insurance starts.  Details of how you tell us will be provided with the information we send to you.

When we arrange insurance on your behalf you will provide your payment details to ourselves or the insurer underwriting your insurance product.  These details will be used by us/them to continue your insurance at the end of the term of your insurance product.  If we do change the insurer underwriting your insurance product you authorise us or the existing insurer underwriting your insurance product to provide your payment details to the new insurance underwriter.  Your payment details will only be used to continue your insurance, with either the existing or new insurance underwriter after you have been provided with the information referred to above and you have been told what is happening.

Accuracy of information (website content)
Animal Friends has taken every reasonable step to make sure the information contained in this web site is accurate and up-to-date, and would like to hear your views about site content. Animal Friends however can accept no responsibility for any errors or omissions.

Copyright
The words "Animal Friends Insurance" and the Animal Friends logo are protected by copyright. The copyright for the material contained in this website is owned by Animal Friends. You may view any part of the Animal Friends web site, and print a copy of it for your personal use. You may not use, copy or distribute any of the material contained in the Animal Friends web sites for any other purpose, nor incorporate or distribute it in any other form or publication. You may however pass on information or images contained in our newsletter to third parties.

Revisions
Animal Friends may revise these conditions of use by updating this page at any time. If you renew your contract with underwriters, or purchase a new product or service, you will be bound by the then current Conditions of Use, which may differ from these. If you proceed, and access the information included in this web site, Animal Friends will take it that you have read, understood, and accepted the conditions contained in these pages.

TOB/OnLine/1 April 2013/FCA