FIS Privacy Group
| Furness Insurance Services Ltd | having its registered office in London (UK), 106, Fenchurch Street EC3M 5JF, Register Code 07161867, in the person of its legal representative |
| International Professional Risks Ltd | having its registered office in London (UK), 106, Fenchurch Street EC3M 5JF, Register Code 04935842, in the person of its legal representative |
| Furness Underwriting Ltd | having its registered office in London (UK), 106, Fenchurch Street EC3M 5JF, Register Code 06308306, in the person of its legal representative |
| CHP Legal Ltd | having its registered office in London (UK), 106, Fenchurch Street EC3M 5JF, Register Code 07359628, in the person of its legal representative |
| International Professional Risks Europe Srl | having its registered office in Bruxelles (Belgio), Bastion Tower – Level 20 Place du Champ de Mars 5, 1050, Register Code 0696.787.028, in the person of its legal representative |
| Furness Underwriting Europe Srl | having its registered office in Bruxelles (Belgio), Bastion Tower – Level 20 Place du Champ de Mars 5, 1050, Register Code 0696.787.325, in the person of its legal representative |
| Furness Underwriting SRL | having its registered office in Milano (ITA), Via Cassanese 47, C.F. / Partita I.V.A. 13260310969, in the person of its legal representative |
| CHP Legal SRL | having its registered office in Milano (ITA), Via Cassanese n. 47, C.F. / Partita IVA 03392081208, in the person of its legal representative |
| Furness Iberia SL | having its registered office in Madrid (SPA), Calle Orense núm. 81, (28020), CIF B01663392, in the person of its legal representative |
Terms and Conditions
The company Furness Insurance Services Ltd, with registered office at 106 Fenchurch Street, London EC3M 5JF, United Kingdom, is the Owner of the web domain corresponding to the website address www.fisg.co.uk (the “Website”), on which a secure web platform is developed, shared with some other companies of the FIS Group, and through which web services are provided (hereinafter the “Website”) which insurance brokers can access to enter various data, including data relating to the contracting parties and/or beneficiaries and relevant risks, submit a request for a quote, prepare insurance policies and certificates, notify and manage claims (hereinafter the “Services”).
The Owner of the domain relating to the above website, together with the other companies indicated in the epigraph, entered into a Joint controllers agreement for the processing of personal data on 1.2.2025, in accordance with current legislation on the protection of personal data pursuant to art. 26 of Regulation 2016/679/EU (hereinafter also “GDPR”) and the UK GDPR, with which the “FIS Privacy Group” was established (hereinafter also referred to simply as the “Group”), and the methods of processing personal data shared by the Group have been established, a single and common DPO has been appointed (lawyer Maria Sofia Amalfitano – pursuant to art. 37 of EU Regulation 679/2016 and UK GDPR), and the various responsibilities have been distributed, with the clarification, contained in the aforementioned agreement (art. 10, co. 2), for which “It is understood that each Joint Controller will be responsible for any sanctions imposed by the Authorities or for damages caused to third parties as a result of data processing carried out by the same individual Joint Controller not in accordance with the Data Protection Management System (DPMS) adopted by the Group”.
Furness Insurance Services Ltd (hereinafter also referred to simply as the “Owner of the web domain” or, for the purposes of privacy responsibilities, the “Data Controller” or “Joint Controller” in the FIS Privacy Group) has prepared the following general terms and conditions for the use of the website by Users.
Use of the website by the User, or by other subjects expressly authorized by the User, is bound by these Terms and Conditions and any subsequent changes made by the Owner of the domain, without prejudice to the need to give appropriate evidence in the manner and terms provided in point “11” below. By continuing to use the website, users agree to comply with and be bound by the following terms and conditions of use, acknowledging that they have read the privacy policy of the website/app, and the “Cookie Policy” which forms an integral part thereof.
DEFINITIONS
- User” refers to the user, or the user/browser of the website, who acts in his/her capacity as an insurance intermediary;
- “Authorized User” refers to any person employed by the User and authorized by the User to use the Website with the User’s credentials;
- “Users” refers to the User and/or his or her Authorized User together;
- “Other user” refers to any other person not authorized by the User to use the Website;
- “TOBA” refers to the terms of the commercial agreement for the distribution of insurance products.
- Access to the website
The User must be established within the European Economic Area (EEA), authorized and regulated by the competent regulatory authority. Users agree to comply with all applicable laws, statutes and regulations in connection with their use of the website.
The Web Domain Owner hereby grants Users the right to access and use the Website within the limits and for the purposes specified in these Terms and Conditions. To access the Website, the User must invite all persons within his/her organization who need to access the Website to do so. Users must register on the Website with their personal login credentials.
The web domain owner reserves the right to grant, limit or revoke User access to the Website at any time.
Any password chosen by Users must have a minimum of 8 characters, contain uppercase and lowercase letters and numbers, must be changed at least every 90 days and must be kept confidential. In the event that Users have reason to believe that a username and/or password has not been kept confidential and/or that someone is using a username and/or password improperly, they must immediately notify it, and the Owner of the web domain will take the corrective action deemed most appropriate at its discretion, possibly involving the DPO of the FIS Privacy Group.
Use of the Website does not confer on Users acting under a TOBA any powers in addition to or different from those conferred on them under the TOBA in force at the time of any access to the Website. Therefore, in the event that, for any reason, including software error or failure to update the TOBA, Users have access to a section of the Website other than that corresponding to the powers conferred on them under the TOBA in force, Users shall refrain from undertaking any commercial activity in that section. This includes writing risks and/or reviewing commercially sensitive material.
The Users must immediately notify the Web domain Owner of any errors or failure to update the software, also with reference to any updates to the TOBA.
- Technical requirements
Users recognize and accept that it is their exclusive responsibility to guarantee that their hardware and software used to access the Website are acquired and maintained in an efficient manner, and with sufficient equipment to access the Website.
The web domain owner reserves the right to update the technical characteristics of the website at his/her exclusive discretion. It is the users’ responsibility to obtain and maintain an Internet connection, and to bear the costs thereof exclusively.
Users must use the site safely, and be up to date with the most appropriate information protection measures when accessing the Website, including, but not limited to, anti-virus software, firewalls and internal information protection policies and/or usage standards, and ensure that the software is regularly updated.
- Services offered by the website
The purpose of the website is to provide users with information and quotes relating to the insurance coverage offered by the web domain owner. The web domain owner will issue insurance certificates and/or reinsurance certificates online to users.
Insurance certificates issued through the website are for the sole benefit of the users. It is the users’ responsibility to ensure that all information provided by them and their clients is correct. Certificates may not be transferred or used for the benefit of anyone else.
Any insurance certificate issued is subject to the terms of the TOBA. Users must read the terms of the policy before purchasing any insurance from the Web Domain Holder on behalf of customers. Any insurance provided to users is for the exclusive use of the users and their customers.
The Web Domain Holder allows:
Users acting within the scope of a TOBA to access one or more sections, based on the credentials given to the Users, where they will be able to send a request for a quote, to arrange online policies, by entering the details of the contracting parties and/or beneficiaries and the insured risks, to notify and manage claims, to print the documents thus obtained.
In the event that the powers granted to Users under TOBA are modified, the right to access the sections of the Website may be modified accordingly by the Owner of the web domain.
The services offered by the Website are free of charge.
- Restrictions on use
Users may access the Website for the sole purpose of using the Services and any other services that may be offered in the future and whose use has been granted to Users in writing by the web domain owner company.
The User agrees, also on behalf of the Authorized User, not to misuse the Website, and agrees not to carry out the following activities such as:
(a) decode or decompile (in whole or in part) any software on the Website, use any software and/or other device that may interfere with the functionality of the Website;
(b) other than as necessary during the normal course of their business, disclose, publish, transfer or otherwise make available any content of the website or information learned during a visit to the website; knowingly use the Services to obtain insurance coverage quotes using incorrect information;
(c) attempt to access sections where Users have not received the appropriate authorization and/or permission to access; attempt to accept a quote without obtaining the consent of the clients; obtain an excessive number of quotes or use the proposal to obtain quotes in a way that prevents or hinders the ability of other people to obtain quotes or insurance policies, or otherwise create nuisance for yourself or the Website and/or the Services;
(d) remove any copyright, trademark or other intellectual property right notices contained in the material on the Website; remove, modify or obscure any product identification or proprietary rights notices or restrictions on the Website;
(e) except where necessary in the normal course of its business, make copies, modify or alter (including creating HTML links to or from the Website), in whole or in part, of the Website or any material contained in the Website;
(f) publish, post, upload, distribute, disseminate or otherwise transmit, obscene or pornographic, threatening, menacing, racist, offensive, defamatory, libelous or otherwise unlawful information or images on the Website and will take reasonable precautions to prevent the transmission of such material;
(g) upload files to the Website that contain software or other material in violation of intellectual property rights or in violation of confidentiality;
(h) hack, deliver viruses or chain letters, surveys, contests, pyramid schemes or engage in any other behavior intended to withhold or attempt to prevent any other person from using and enjoying the Website or otherwise risks damaging or destroying the reputation of the Website;
(i) use the Website in a way that may cause a violation of the rights of the Web Domain Owner and/or any other third party, or constitutes or encourages behavior that could be considered a criminal offense, give rise to civil liability, or otherwise be contrary to the law or violate the rights of the Web Domain Owner or third parties in the United Kingdom or any other country in the world;
Users agree to use the Site and its authorized features only while the TOBA is in force. This agreement cannot have a prevailing legal nature, nor modify the terms of any TOBA.
- Rights
The web domain owner does not assume any obligation to monitor the use of the website by users.
However, the web domain owner reserves the right to disclose any information as required by law and/or to remove, refuse to post or edit any such information and materials, and to take any other action that may be reasonably necessary to prevent any violation of these terms from occurring. The Web Domain Owner will promptly provide the User with full details in writing of such actions, unless prohibited from doing so by law or regulation.
The Web Domain Owner reserves the right to block any user’s access to the Website at any time, temporarily or permanently, if the Web Domain Owner deems it reasonable to do so, at its absolute discretion, but must make available the records of previous transactions upon receiving a reasonable request from the User.
The Website (including the software used to operate the Website) and the trademarks used in relation to the Website are the property of the Web Domain Owner and/or its licensors. Users are not granted any right or power over these, except as stated in these terms. Users must inform the Web domain owner immediately if they become aware of any unauthorized access, use or copying by any person.
- Operation of services and website
The web domain owner can change the format and content of the website and/or the services at his sole discretion from time to time. The web domain owner can, from time to time, suspend the functioning of the website for repair or maintenance work, or to update the content or functionality of the website. The Web Domain Owner will do everything possible to perform such repairs, maintenance or modifications to the Website as quickly as possible.
Users agree to comply with all reasonable directions and instructions provided by the Web Domain Owner in connection with the use of and access to the Website, and to use the Website in accordance with all applicable regulations.
- Use of the site to obtain quotations or insurance coverage
The users agree that the exchange of messages via the website is a valid means of forming an insurance contract and that they will not question the admissibility as evidence of any insurance information, whether it comes from the users or any other user, for the sole reason that such insurance information constitutes an electronic communication, nor shall they dispute the validity of any contract for the sole reason that it was issued electronically via the website.
Users agree that if any legislation or regulation requires a contract to be in writing, any contract entered into electronically via the Website will be deemed to comply with this requirement and that if any legislation or regulation requires a signature on a contract, an electronic signature incorporated into or associated with a contract will be deemed to satisfy this requirement.
The User will accept as originating from an Authorized User any insurance information that is presumed to have been sent by that Authorized User and, in the absence of manifest error, discrepancy, alteration or corruption of the insurance information, will accept the integrity of such insurance information, and the power of the Authorized User to send such insurance information.
The User is responsible for any insurance information submitted by his or her Authorized User or any other User who accesses the Website using any username and password attributable to them.
Users may not dispute the validity of any contracts entered into by any Authorized User or other User who accesses the Website using his or her usernames and passwords solely on the basis that such person was not duly authorized to enter into such contract, unless the circumstance that such person was not duly authorized was clear and obvious, or is the result of a crime being committed.
The insurance information sent via the Website will be considered as received when this insurance information is recorded by the Website as received. Users must check their inbox to make sure that all the insurance information they have sent has been recorded by the Website as received.
A contract shall be deemed entered into and formalized each time the website records a user’s acceptance of an offer of contract, or an offer to modify the terms of a contract, thus evidencing the mutual willingness to contract.
- Disclaimers
In no event will the Web Domain Owner be liable (whether for breach of contract, negligence or for any other reason) for any loss of profits, loss of sales, loss of revenue, loss of software or data, loss of bargain, loss of opportunity, loss of use of computer equipment, software or data, loss of or loss of management or other staff time, or for any indirect, consequential or special loss (however arising).
Users shall indemnify the Web Domain Holder and hold the Web Domain Holder harmless from and against any proven loss or damage arising from any unauthorized use of the Website and from all actions, proceedings, claims, costs proven and fully mitigated (including legal fees), awards and damages arising from any violation or non-fulfillment by users of any of their obligations under these general conditions. This compensation obligation includes the obligation to reimburse the Web Domain Owner for legal expenses incurred and penalties suffered, if any.
The Web Domain Owner does not make any representations or warranties (expressed or implied) or give any advice concerning the accuracy, quality or completeness of any information or material made available on third party websites linked to the website. The web domain owner shall not be responsible for any actions taken by Users as a result of relying on any information provided on third party websites or for any loss or damage suffered by Users.
The web domain owner does not accept responsibility for the security or content of any information provided by users via the website, except as set out in our privacy policy, as amended from time to time.
Users are solely responsible for their use of the Website, usernames, passwords and any information made available on the Website from time to time and for any consequences or effects (direct or indirect) of such use.
The Web Domain Owner does not guarantee that the website will be uninterrupted or free of errors or defects, or available for any length of time. It is the Users’ responsibility to make and keep a daily backup copy on a protected disk of all data entered by Users on the Website.
- Right of withdrawal
The web domain owner reserves the right to terminate users’ access to the website at any time and without notice, for any reason whatsoever.
Users may cancel any Service at any time by giving written notice to the Web Domain Owner. Any notice given by Users under this clause will not remove any obligation for Users in relation to the contractual relationship in place at the time such notice is given. Furthermore, notification under this clause will not be notified under any existing service contract.
In the event of termination, Users shall pay all sums due and received by Users up to the date of termination to the Web Domain Owner within 28 days of termination.
Users acknowledge and accept that at the time of termination or expiry of this Agreement, regardless of the outcome, the Owner of the web domain will not be required to delete the data entered by Users on the Website, provided that such data is stored in accordance with applicable data protection legislation, or an express request for deletion is made.
- Use of data
The website is managed in accordance with the privacy policies of the FIS Privacy Group. The personal data provided by users to the owner of the web domain will be stored and processed according to the methods established in the Privacy Policy available on the website.
Precisely with reference to the aspects of personal data protection, the user is invited, pursuant to art. 33 of the GDPR, to report to the Company any circumstances or events from which a potential “personal data breach” may arise, in order to allow an immediate evaluation of the event and the adoption of any actions aimed at countering such an event, by sending a communication to dpo@fisg. co.uk or by contacting the Data Controller or the DPO at the addresses indicated at the bottom of these general conditions of use of the website.
- General provisions
These Terms and Conditions shall be governed by and construed in accordance with the laws of England and Users accept the exclusive jurisdiction of the English courts in all disputes arising out of or relating to the use of this website. The website is operated and controlled by the Web Domain Owner directly from its offices in the United Kingdom. The Web Domain Owner does not give any warranty that the information or material on its website is appropriate for use in other jurisdictions.
Users accept that the Web domain owner may subcontract the fulfillment of any of its obligations, or assign/confer to third parties the updating of these Terms and Conditions, or any of its rights or obligations that are subject to a specific written notice, to be forwarded to Users within a reasonable time. The web domain owner may delay the application of his rights under these Terms and Conditions, or tolerate certain behavior of Users, without however losing or renouncing them.
If any provision of these Terms and Conditions is held to be unenforceable, this will not affect the validity of any other provision.
The Web Domain Owner may modify, vary or supplement these terms and conditions. Any such changes may be provided to users by any reasonable means, including merely posting updates to these terms and conditions on the website.
Users are responsible for accessing and reviewing these Terms and Conditions each time they access the Site, as the most up-to-date version of these Terms and Conditions will govern any future use of the Site. Users will be able to determine when these Terms and Conditions were last revised by referring to the date at the top of this page.
These Terms and Conditions, as they may be amended from time to time in accordance with the terms and conditions provided herein, constitute a contractual agreement between the parties, and supersede all prior agreements, understandings and declarations relating to the use of the website.
- To contact us
For any questions or information regarding the website, users can contact the company Furness Insurance Services Ltd, with registered office in London (UK), 106, Fenchurch Street EC3M 5JF, Register code 07161867, in the person of the legal representative Mr. BERNARDO GOZZI, E-mail info@fisg.co. uk, Tel. +44 (0)20 3384 0084.
The Privacy references are:
FIS Privacy Group – dpo@fisg.co.uk
DPO, Maria Sofia Amalfitano, Lawyer
email sofia.studiolegalefalanga_ext@fisg.co.uk