Our Terms and Conditions
Please read the following terms and conditions carefully and ensure that you understand them. By using this Site, you agree to be bound by these terms and conditions. If you do not agree, you should stop using the Site immediately. If you are in breach of these terms and conditions, your right to access and use the Site will cease immediately.
1.1 We may amend these terms and conditions with immediate effect where we reasonably take the view that such amendment is required to comply with Applicable Law or to meet an expectation of our conduct created by Applicable Law or by the FCA.
1.2 In circumstances not covered by 1.1 above, we may amend these terms and conditions at any time upon giving you reasonable notice of at least 14 days.
1.3 Access and use of this site is restricted to residents of the UK. If you are not a UK resident, you should stop using this site immediately.
2.1. The following definitions apply to these terms and conditions.
2.2. “Applicable Law” means the laws and regulatory requirements to which Sherpa is subject.
2.3. “Site” means [insert] and any mobile applications or similar devices, channels or applications operated by or on behalf of us.
2.4. “You” and “your” means the person using or who wishes to use the Site.
2.5. “We”, “us”, “our” and “Sherpa” means Sherpa Management Services Limited, its subsidiary Sherpa Management Services UK Limited, their employees, agents and successors.
3.1. We will take all reasonable steps to ensure that the Site is available for you to access. However, from time to time that may not be possible, either because of circumstances outside our control, or for routine or emergency updates. We will endeavour to give you advance notice of times where the Site is inaccessible.
3.2. We will use reasonable measures to ensure that the Site is free of viruses and other defects. We recommend that you use appropriate virus checking software.
3.3. We will take all reasonable steps to ensure that any information contained in the Site is accurate and up-to-date, but we shall not be liable for any loss or damage that may result should that not be the case.
4.1. Any Protection Score that we may provide to you will be based on information that you provide. The answers you give to questions we ask you, and any other information you provide, affect our ability to provide you with a true and reliable Sherpa Protection Score, and information and guidance on steps that you may take with respect to that Score.
4.2. Where you direct us to transfer information that you have provided to a third party, or to another Sherpa website, then you will be asked to confirm that what you have provided is complete and accurate information.
5.1. Based on the information that you provide we may communicate to you a Protection Score. The Protection Score represents our assessment of your ability to withstand the risks that might befall you. We may also provide information on steps you may consider taking to improve your Score.
5.2. Any Protection Score and information we may provide is given by way of guidance only, and does not constitute a personal recommendation or advice.
5.3. As well providing you with a Protection Score we may, if we think it is appropriate:
a. make an introduction to an organization that we believe may be able to assist and make an appropriate recommendation to you about insurance product(s) that you might need (see clause 11 below).
5.4. Where we provide you with the Protection Score and other information via the Site, you may request that we provide you with a hard copy of that information, and we will provide it to you free of charge.
6.1. You may choose to grant us permission to access your data from social media or other websites or applications, although you are under no obligation to do so. If you do grant us permission, we are authorised to access, use and store that data. That data will be subject to the same controls and procedures as all other answers and information you provide to us. (Please see clause 17 below)
6.2. Where you grant us permission we are entitled to rely on the fact that accessing your data does not put you or we in breach of any contract or arrangement with any other party.
7.1. Any introductions that we make will be to persons that we honestly and in good faith believe are able to provide you with assistance and information in areas that we do not address on the Site.
7.2. Where we make an introduction you should satisfy yourself that the firm or individual to whom we have introduced you is appropriately qualified and skilled for the purposes that you require.
8.1. The Protection Score is provided to you free of charge. We shall not be liable for any loss or damage you have been caused, however arising, through your reliance on the Protection Score or other information we provide to you. Therefore, if you intend to purchase an insurance policy or to take any other action in connection with the Protection Score, we suggest that you seek appropriate insurance advice.
9.1. The Site may contain hypertext links to websites operated by third parties. We do not control those websites and cannot accept responsibility for their content or any loss or damage you may suffer by accessing them. Those other websites will be subject to separate terms and conditions, normally contained on those websites.
10.1. All information, data, graphics and material contained on the Site, including any trade marks, belong to us or our partners. You may not use or download them, other than for the purpose for which they are provided, without our written permission. Nothing shall be deemed to confer on any person any licence or right to reproduce or use any such content.
12.1. We may assign our rights and obligations under this agreement, upon giving you notice, to any affiliate company or to any person who acquires the whole or a substantial part of our undertaking. If we wish to assign our rights and obligations in any other circumstances then we shall require your consent, but you agree not to unreasonably withhold or delay the giving of such consent.
12.2. You may not assign your rights and obligations under this contract to any other person without our express consent.
13.1. We are committed to giving you the best service that we can. If we fall short of that, please let us know and we will do whatever we can to put things right.
13.2. If you have a complaint about our service, you can contact us via the Site, by phone on [insert], by email to [insert] or by writing to us at [insert].
14.1. These terms and conditions shall be governed by the laws of England and the Courts of England shall have exclusive jurisdiction over all claims or disputes arising out of, or in connection with, the Site, our services, and these terms and conditions.