Web App Terms and Conditions of Use (“Terms and Conditions”)

These Terms and Conditions govern your access to and use of the choosepmp.com web app (“Web App”), including all pages, features, content and services made available through it.

By accessing or using the Web App, you agree to be bound by these Terms and Conditions. If you do not agree to these Terms and Conditions, you are not permitted to use the Web App.

1. About the Web App

The Web App is operated by PMP. The Web App has been designed, developed, hosted and/or managed on our behalf by third-party service providers. Those providers support the technical operation of the Web App but do not provide insurance, indemnity, medico-legal advice or customer services on behalf of PMP unless we expressly state otherwise in writing. 

2. Purpose of the Web App

The Web App is provided to help PMP customers access selected customer services and information more easily.

The Web App may allow you to:

• contact PMP;
• access or download your policy schedule;
• contact our medico legal helpline for general advice and assistance;
• refer a friend or colleague to PMP;
• follow links to resources hosted on the PMP website.

The Web App is intended to support customer access and communication. The Web App does not replace your policy documentation, including: your certificate of insurance; schedule; policy wording; any endorsements; renewal documentation; and/or any other contractual documents issued to you.

Any information, documents or functionality provided through the Web App are subject to eligibility, underwriting and formal acceptance, and do not constitute an offer of, or confirmation of, cover.

3. Access to the Web App

Access to the Web App is permitted on a temporary basis. We may withdraw, suspend, restrict or amend access to the Web App, or any part of it, at any time without notice.

We will not be liable to you if, for any reason, the Web App is unavailable at any time or for any period.

From time to time, we may restrict access to some parts of the Web App, or the entire Web App, to users who have registered with us or who have been given authorised access.

4. Login details and security

If you are provided with, or choose, login details, passwordless access, verification codes, user identification details, passwords or any other security information, you must treat such information as confidential. You must not disclose your access details to any third party.

We reserve the right to disable any login, user identification code, password, verification method or other access credential at any time if, in our reasonable opinion, you have failed to comply with these Terms and Conditions or if we consider it necessary for security, operational or compliance reasons.

You are responsible for ensuring that anyone who accesses the Web App using your device or internet connection is aware of these Terms and Conditions and complies with them.

If you believe that your login details or access credentials have been lost, stolen, misused or disclosed to someone else, you should contact us as soon as possible.

5. Policy schedule

The Web App may allow you to access or download your policy schedule.

If there is any inconsistency between information displayed on the Web App and policy schedule issued to you as part of your policy documentation, your policy documentation will take precedence.

6. Contacting us through the Web App

The Web App may allow you to submit enquiries, requests or messages to PMP.

You are responsible for ensuring that any information you provide is accurate, complete and up to date.

Submitting an enquiry through the Web App does not guarantee that it has been received, reviewed or actioned unless and until we confirm this to you in writing.

For urgent matters, you should contact us directly using the most appropriate contact details provided to you.

For the avoidance of doubt, claims cannot be notified through the Web App. You should refer to your policy documentation for details on how to notify a claim.

8. Refer a friend or colleague

The Web App may allow you to refer a friend, colleague or other contact to PMP.

You must only provide another person’s details where you have their permission to do so.

By submitting a referral, you confirm that:

• the person you are referring is known to you;
• you have their permission to provide their details to us;
• the details you provide are accurate to the best of your knowledge;
• you have not misled the person about why their details are being shared.

A referral does not guarantee that we will be able to offer cover, services or terms to the person referred. Any decision will be subject to underwriting and eligibility criteria.

If any referral incentive, reward, discount or benefit is offered, this will be subject to separate referral terms, which will apply in addition to these Terms and Conditions.

9. Resources and links to other websites

The Web App may provide links to resources hosted on the PMP website or other third-party websites.

These links are provided for convenience, information and reference only.

Where the Web App links to resources on the PMP website, those resources may be updated, withdrawn, replaced or amended from time to time. The use of the PMP website is subject to the terms and conditions contained therein.

Where the Web App links to third-party websites, we are not responsible for their content, accuracy, availability, legality, security or privacy practices. PMP does not approve, endorse or accept responsibility for any content on third-party websites.

10. Information on the Web App

We take reasonable care to ensure that information made available through the Web App is accurate and up to date. However, the Web App may contain errors, omissions or outdated information from time to time. No warranty or guarantee is given of the accuracy or completeness of any information on the Web App.

The information available through the Web App is provided for general and customer information purposes only. It is not a substitute for policy documentation, and is not professional or legal advice.

We may update, amend, remove or replace information on the Web App at any time.

11. No offer of cover

Nothing on the Web App constitutes an offer to provide insurance, indemnity, cover or any other regulated product or service.

No policy, indemnity arrangement or contract of insurance is created or amended through the Web App unless we expressly confirm this to you in writing. Your cover is governed by the terms and conditions in your policy documentation and any other contractual documents issued to you.

12. Your use of the Web App

You must use the Web App only for lawful purposes and in accordance with these Terms and Conditions.

You must not:

• misuse the Web App;
• knowingly introduce viruses, trojans, worms, logic bombs or other malicious or technologically harmful material;
• attempt to gain unauthorised access to the Web App, the server on which it is hosted, or any server, computer, database or system connected to it;
• attack the Web App through a denial-of-service attack or distributed denial-of-service attack;
• scrape, copy, harvest, extract or reuse data from the Web App without our permission;
• interfere with the operation, security or availability of the Web App;
• use the Web App in a way that is fraudulent, unlawful, harmful or misleading;
• use the Web App to transmit offensive, defamatory, discriminatory or unlawful material.

By breaching this section, you may commit a criminal offence under the Computer Misuse Act 1990. We may report any such breach to the relevant law enforcement authorities and may co-operate with those authorities by disclosing your identity to them.

In the event of such a breach, your right to use the Web App will cease immediately.

13. Viruses and security

We use reasonable endeavours to maintain the security of the Web App and to reduce the risk of contamination by known viruses and malicious software.

However, we do not guarantee that the Web App will be secure, uninterrupted, error-free, virus-free or free from other harmful material. You are responsible for using your own virus protection software and for taking appropriate precautions when accessing the Web App.

We will not be liable for loss or damage caused by a virus, distributed denial-of-service attack or other technologically harmful material that may infect your computer equipment, software, data or other material due to your use of the Web App, except where such liability cannot be excluded by law.

14. Intellectual property rights

We are the owner or licensee of all intellectual property rights in the Web App, including its design, layout, appearance, content, text, graphics, images, logos, documents and other material made available through it.

All such rights are reserved.

You are granted a limited, non-exclusive and non-transferable licence to access and use the Web App for your own personal or internal professional purposes, in accordance with these Terms and Conditions.

You may download or print copies of documents made available to you through the Web App for your own personal or internal professional use.

You must not:

• modify any copies of materials downloaded or printed from the Web App;
• use any content from the Web App for commercial purposes without our prior written permission;
• reproduce, distribute, republish or exploit any content from the Web App except as permitted by these Terms and Conditions;
• use our name, logo, branding or content without our prior written permission.

Our status, and that of any identified contributors, as the authors or owners of content on the Web App must always be acknowledged where appropriate.

15. Privacy and data protection

We will process personal data in accordance with our Privacy Policy.

You should read our Privacy Policy carefully, as it explains how we collect, use, store and share personal data, including information submitted through the Web App.

The Web App may process personal data when you:

• log in or access the Web App;
• contact us;
• download or access documents;
• use the referral function;
• interact with resources or links;
• otherwise submit information through the Web App.

We may use third-party service providers to host, maintain, manage and support the Web App. Where those providers process personal data on our behalf, they do so in accordance with our instructions, our Privacy Policy and applicable data protection laws.

16. Cookies and similar technologies

The Web App may use cookies or similar technologies.

Where required by law, we will provide information about the cookies and similar technologies we use and request your consent before placing non-essential cookies on your device. Strictly necessary cookies may be used without consent where they are required to provide the Web App or maintain its security and functionality.

Further information is available in our Cookie Policy, which can be found on our website. You can manage your cookie preferences at any time via the cookie settings tool available in the Web App.

17. Limitation of liability

Nothing in these Terms and Conditions excludes or limits our liability where it would be unlawful to do so.

This includes liability for death or personal injury caused by negligence, fraud, fraudulent misrepresentation, or any other liability that cannot be excluded or limited under applicable law.

Subject to the above, we will not be liable for:

• loss arising from your failure to use the Web App in accordance with these Terms and Conditions;
• loss caused by your reliance on general information in the Web App instead of your policy documentation or express written confirmation from us;
• loss arising from third-party websites linked from the Web App;
• loss of profits, business, revenue, goodwill, anticipated savings or business opportunity;
• loss or corruption of data;
• indirect or consequential loss.

Nothing in these Terms and Conditions affects any statutory rights that cannot be excluded or limited by law.

18. Suspension or termination of access

We may suspend, restrict or terminate your access to the Web App at any time if:

• we reasonably believe you have breached these Terms and Conditions;
• we need to carry out maintenance, updates or security work;
• we believe your access credentials may have been compromised;
• we are required to do so for legal, regulatory, operational or security reasons;
• you are no longer eligible to access the Web App.

We will not be liable to you for any suspension, restriction or termination of access where we act reasonably and in accordance with these Terms and Conditions.

19. Changes to these Terms and Conditions

We may update these Terms and Conditions from time to time.

The latest version will be made available through the Web App or on our website. You should check these Terms and Conditions regularly to ensure that you understand the terms that apply when you use the Web App.

Your continued use of the Web App after any update means that you accept the revised Terms and Conditions.

20. Assignment

We may assign, transfer or subcontract our rights and obligations under these Terms and Conditions to another organisation, provided this does not materially affect your rights.

You may not assign, transfer or subcontract your rights or obligations under these Terms and Conditions without our prior written consent.

21. Severability

If any part of these Terms and Conditions is found to be invalid, unlawful or unenforceable, that part will be treated as deleted or modified to the minimum extent necessary.

The remaining parts of these Terms and Conditions will continue in full force and effect.

22. Entire agreement

These Terms and Conditions, together with any notices, disclaimers, Privacy Policy and Cookie Policy referred to in them, set out the terms that apply to your use of the Web App.

These Terms and Conditions do not replace, amend or override the terms of your policy documentation, certificate of insurance, schedule, policy wording, endorsements or any other documents issued to you in relation to your cover.

23. Law and jurisdiction

These Terms and Conditions are governed by English law.

The English courts shall have exclusive jurisdiction in relation to any dispute arising out of or in connection with your use of the Web App.

24. Contact us

If you have any questions about these Terms and Conditions, the Web App, or any material available through it, please contact:

PMP

Email: support@pmp-indemnity.com

Website: www.pmp-indemnity.com

Web App: www.choosepmp.com