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Terms and Conditions

    1. When the following words with capital letters are used in these Terms, this is what they will mean:
      1. Event Outside Our Control: is defined in clause 8.2
      2. Services: the quoting and binding services that We are providing to you as set out in the Order
      3. Terms: the terms and conditions set out in this document
      4. We/Our/Us: Dual Asset Underwriting (DAU) (Registered Number 08494511), One Creechurch Place, London, EC3A 5AF
      5. When We use the words "writing" or "written" in these Terms, this will include e-mail unless We say otherwise.
    1. This page together with our Privacy Policy are the terms and conditions on which We supply the Services to you.
    2. Please ensure that you read these Terms carefully and make sure that you understand them, before using the Services. If you think that there is a mistake, please contact Us to discuss. Please note that before using the Services you will be asked to agree to these Terms. If you refuse to accept these Terms, you will not be able to use the Services.
    3. When you register to request an account with Us, this does not mean you will automatically be granted access to Our Services. Our acceptance of your request will take place as described in clause 2.4. If We are unable to supply you with the Services, We will inform you of this in writing and We will not process your request.
    4. These Terms will become binding on you and Us when We contact you to tell you that We are able to provide you with the Services providing that you have passed Our background checks. We will also confirm the above by email to you.
    5. Upon your submission and Our acceptance of your registration form and Terms and Conditions, We shall provide you access to an account with a unique client identification and password and inform you of these details when We confirm that you have passed Our background checks and been granted access to an account. Please quote the unique identification in all subsequent correspondence with Us relating to the Services. You must treat the unique identification and password information as confidential and you must not disclose it to any third party. We have the right to disable any user identification code or password, whether chosen by you or allocated by us, at any time, if in our opinion you have failed to comply with any of the provisions of these terms.
    6. We amend these Terms from time to time so please ensure that when using the Service you check to see when these Terms were last updated and which if any terms have changed.
    7. You agree to use this Web Site in a manner consistent with any and all applicable laws and regulations in the country in which you access the Web Site. This Web Site is not intended for viewers in any other jurisdiction or country where local laws and/or restrictions prohibit any of the activities transacted by the Web Site.
    8. You will not reproduce this Web Site (or any part of it), amend or adapt the Web Site and/or its documentation in any manner and/or reproduce logos other than as provided in documentation issued by the Web Site.
    1. If you choose, or you are provided with, a user identification code, password or any other piece of information as part of Our security procedures, you must treat such information as confidential. You must not disclose it to any third party.
    2. We have the right to disable any user identification code or password, whether chosen by you or allocated by us, at any time, if in Our reasonable opinion you have failed to comply with any of the provisions of these Terms.
    3. If you know or suspect that anyone other than you knows your user identification code or password, you must promptly notify Us at realestate@dualgroup.com
    4. You agree that by registering to use and using this Web Site: -
      • You are a Solicitor, Licensed Conveyancer, Legal Executive or other individual working on behalf of a firm authorised by the Financial Conduct Authority (FCA), or registered on the FCA’s Exempt Professional Firms register, to undertake insurance mediation business.
      • You are wholly responsible for the use of the Web Site by any person using your terminal or point of access and are responsible for ensuring that any such person also fully complies with these terms and conditions and will notify DAU promptly if you become aware of any unauthorised access.
    1. We are the owner of all intellectual property rights in Our site, and in the material published on it. All such rights are reserved,
    1. We will make the Services available to you conditional upon Our acceptance of your registration form and you passing Our background checks and servicing you with access to an account.
    2. We will make every effort to make the Services available to you. However, there may be delays due to an Event Outside Our Control. See clause 8 for Our responsibilities when an Event Outside Our Control happens.
    3. We may have to suspend the Services if We have to deal with technical problems. We will contact you to let you know in advance where this occurs, unless the problem is urgent or an emergency.
    4. Please note that we are not a comparison site. All prices are derived from approved rates provided by our panel of insurers for DUAL products which are listed on the quote documentation. Without prejudice to clause 7, please note that we do not provide financial, investment or other advice in relation to the product or service compared, nor do we provide a recommendation or endorsement of product or service providers.
    5. Please note that this website and our products are only directed at UK residents.
    1. In the unlikely event that there is any defect with the Services:
      • please contact Us and tell Us as soon as reasonably possible; and
      • please give Us a reasonable opportunity to repair or fix any defect.
    1. Nothing in these Terms limits or excludes our liability for:
      • death or personal injury caused by our negligence;
      • fraud or fraudulent misrepresentation; or
      • any other liability which cannot be excluded or limited under applicable law.
    2. Subject to clause 7.1, we will under no circumstances whatever be liable to you, whether in contract, tort (including negligence), breach of statutory duty, or otherwise, arising under or in connection with the Services for:
      • any loss of profits, sales, or revenue;
      • loss or corruption of data, information or software;
      • any use of, or inability to use, Our site;
      • loss of business or business interruption or business opportunity;
      • loss of anticipated savings;
      • loss of goodwill; or
      • any indirect or consequential loss.
    3. Except as expressly stated in these Terms, We do not give any representation, warranties or undertakings in relation to the Services. Any representation, condition or warranty which might be implied or incorporated into these Terms by statute, common law or otherwise is excluded to the fullest extent permitted by law. In particular, We will not be responsible for ensuring that the Service is suitable for your purposes. We therefore accept no liability or responsibility arising from any reliance placed on such materials by any visitor to the Site, or by any third party who may be informed of any of its contents. You are responsible for providing advice to your client on the suitability of any products and services available from this Web Site and in doing so are acting as agent solely for your client and not as agent of DAU.
    4. These Terms and any documents expressly referred to in them constitute the entire agreement between you and Us and supersedes and extinguishes all previous agreements promises, assurances, warranties, representations and understandings between us, whether written or oral, relating to the Service.
    5. You acknowledge that the completion of a registration form and acceptance of our Terms and Conditions will not automatically grant you access to the Services and We shall not be held liable for any loss of business, business interruption or business opportunity that arises due to your inability to access the Services.
    6. While we endeavour to ensure that the information on the site is accurate and up-to-date, errors and omissions can occasionally occur and you should not take the accuracy of the information for granted and should check directly with Us.
    7. You acknowledge that these Terms are solely applicable to the Service. Any insurance related activities will have their own set of terms and will supersede these Terms in the event of a conflict.
    8. This Web Site may from time to time include links to external sites, resources and co-branded pages. We have included links to these sites, resources and co-branded pages to provide You with access to information and services that You may find useful or interesting. We are not responsible for the content of these sites, resources and pages or for anything provided by them and accept no responsibility for them or for any loss or damage that may arise from Your use of them. You should read carefully and agree with the terms and conditions of third party websites before using them.
    1. We will not be liable or responsible for any failure to perform, or delay in performance of, any of Our obligations under these Terms that is caused by an Event Outside Our Control.
    2. An Event Outside Our Control means any act or event beyond Our reasonable control.
    3. If an Event Outside Our Control takes place that affects the performance of Our obligations under these Terms:
      • We will contact you as soon as reasonably possible to notify you; and
      • Our obligations under these Terms will be suspended and the time for performance of Our obligations will be extended for the duration of the Event Outside Our Control. Where the Event Outside Our Control affects Our performance of Services to you, We will restart the Services as soon as reasonably possible after the Event Outside Our Control is over.
    1. You must not misuse the Web Site by knowingly introducing viruses, trojans, worms, logic bombs or other material which is malicious or technologically harmful. You must not attempt to gain unauthorised access to the Web Site, the server on which the Web Site is stored or any server, computer or database connected to the Web Site. You must not attack the Web Site via a denial-of-service attack or a distributed denial-of service attack.
    2. By breaching this provision, You would commit a criminal offence under the Computer Misuse Act 1990. We will report any such breach to the relevant law enforcement authorities and We will co-operate with those authorities by disclosing Your identity to them. In the event of such a breach, Your right to use the Web Site will cease immediately.
    3. We will not be liable for any loss or damage caused by a distributed denial-of-service attack, viruses or other technologically harmful material that may infect Your computer equipment, computer programs, data or other proprietary material due to Your use of the Web Site or to Your downloading of any material posted on it, or on any website linked to it. You must ensure that Your computer has all necessary software to protect you from computer viruses.
    1. Dual Asset Underwriting Limited is a company registered in England and Wales. Our company registration number is 08494511, and Our registered office is at One Creechurch Place, London, EC3A 5AF.
    2. DAU is a subsidiary of DUAL International Limited, a member of Howden Group Holdings. DUAL International Limited is registered in England & Wales under Company Number 03540129with its Registered Office at One Creechurch Place, London, EC3A 5AF.
    3. DUAL Asset Underwriting is an Appointed Representative of DUAL Corporate Risks Limited (Company Number 4160680) which is authorised and regulated by the Financial Conduct Authority, under firm registration no: 312593.
      Further information concerning the Financial Conduct Authority (FCA) authorisation and regulation can be obtained from the FCA Register.
      As an authorised Insurance Intermediary in the United Kingdom, DAU is licensed or otherwise approved to transact insurance business in respect of various classes of non-life insurance business and on behalf of those Insurers as listed in this Web Site.
      All copyright, trade-marks and other intellectual property rights relating to this Web Site and its content are owned by or licensed to DAU or otherwise used by DAU as permitted by law.
      You are allowed to use, download and/or print the information on this Web Site only for the purpose of obtaining quotes and to purchase policies online. You may not otherwise copy and/or distribute material contained in this Web Site or use the material for any commercial benefit. In the event of a breach of this provision, Your right to use the Web Site will cease immediately and You must, at Our option, return or destroy any copies of the materials you have made
    4. If you wish to use the Web Site and/or any content for any other purpose, or in any other way, you must contact DAU to obtain prior written consent.
    5. You agree to indemnify DAU and its employees and agents against all liabilities, legal fees, damages, losses, costs and other expenses in relation to any claims or actions brought against DAU arising from any breach of these terms and conditions by You or any other liabilities arising out of your use of this Web Site, whether deliberate or negligent.
    6. If you have any questions or if you have any complaints, please contact Us. by telephoning Our customer service team on +44 (0)20 3435 6282 or by e-mailing Us at realestate@dualgroup.com or writing to us at One Creechurch Place, London, EC3A 5AF
    1. We only use your personal information in accordance with our Privacy Policy. Please take the time to read it, as it includes important terms which apply to you. By using the Web Site, you consent to Our processing your information.
    1. This website contains links to websites operated by third parties. Some of those websites will carry our branding and are therefore only accessible by our customers. The operation and content of those websites are determined by those third parties and will be governed by separate terms and conditions. We do not accept responsibility or liability for the content of any third party website, as this is outside of our control.
    2. Links are provided for convenience only and inclusion of any links should not be taken to imply endorsement in any way of the site to which it links.
    1. We may transfer Our rights and obligations under these Terms to another organisation, and We will notify you in writing if this happens, but this will not affect your rights or any of Our obligations to You prior to such a transfer under these Terms.
    2. Each of the paragraphs of these Terms operates separately. If any court or relevant authority decides that any of them are unlawful, the remaining paragraphs will remain in full force and effect.
    3. If We fail to insist that you perform any of your obligations under these Terms, or if We do not enforce Our rights against you, or if We delay in doing so, that will not mean that We have waived Our rights against you and will not mean that you do not have to comply with those obligations. If We do waive a default by you, We will only do so in writing, and that will not mean that We will automatically waive any later default by you.
    4. These Terms are governed by English law. You and We both agree to submit to the exclusive jurisdiction of the English courts.
    5. Other than You, Us and companies within Howden Group Holdings, a person who is not a party to these terms and conditions has no right (including without limitation under the Contracts (Rights of Third Parties) Act 1999) to enforce or rely on any term of these terms and conditions.