The information and material displayed on our site is provided without any guarantees, conditions or warranties as to its accuracy.
Love Your Hut is a brand name owned by Precision Underwriting (UK) Limited (Precision), an Appointed Representative of Barbarus Limited who are authorised and regulated by the Financial Conduct Authority under firm reference number 617848. Our trading address is 2 Burgage Square, Merchant Gate, Wakefield, WF1 2TS.
By accessing this site you will be deemed to have accepted these terms and conditions in full. Access to our site is permitted on a temporary basis, and we reserve the right to withdraw or amend the service we provide on our site without notice. We will not be liable if for any reason our site is unavailable at any time or for any period.
From time to time, we may restrict access to some parts of our site, or our entire site, to users whether or not those users have registered with us.
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, and you must not disclose your user identification code or password to any other person whether in the same company or otherwise. We have the right to disable any user identification code or password, whether chosen by you or allocated by us, at any time.
When using our site, you must comply with the terms of Acceptable Use as set out below.
You are responsible for making all arrangements necessary for you to have access to our site.
We are the owner or the licensee of all intellectual property rights in our site, and in the material published on it including the Love Your Hut name and logo, the Precision name and logo and the Websure name and logo. Those works are protected by copyright laws and treaties around the world. All such rights are reserved.
For each contract of insurance concluded through our site or as a result of visits made by you to the site you may print off one copy of the policy wording for each contract of insurance. You may print off and download material and information from any page(s) or documents from our site including the Statement of Fact and Key Facts for purposes of your records.
The paper or digital copies of any documents you have printed off or downloaded in any way must not be altered or edited in any way.
Unless otherwise agreed in writing our status and that of any identified contributors as the authors of material and information on and downloaded from our site must always be acknowledged.
You must not use any part of the material or information or any documents on our site for commercial purposes without obtaining a licence to do so from us or our licensors.
You may use our site only for lawful purposes. You may not use our site in any way that:
Unless otherwise agreed in writing, you agree not to reproduce, duplicate, copy or re-sell any part of our site in contravention of the provisions of these terms and conditions, and not to access without authority, interfere with, damage or disrupt:
If you print off, copy or download any part of our site in breach of these terms and conditions, your right to use our site will cease immediately and to the extent permitted by law you must, at our option, return or destroy any paper or digital copies of documents you have printed off or downloaded in any way.
Reliance on information
Commentary and other information and material and documents on our site are not intended to amount to advice on which reliance should be placed by a visitor. We therefore disclaim all liability and responsibility arising from any reliance placed on such materials by any visitor to our site, or by anyone who may be informed of any of its contents.
Disclosures must not:
Our site changes regularly
We aim to update our site regularly, and may change the content at any time. If the need arises, we may suspend access to our site, or close it indefinitely.
The information and material displayed on our site is provided without any guarantees, conditions or warranties as to its accuracy. To the extent permitted by law, we, other members of the group of companies of which we form part (Group), insurers and any third parties connected to us hereby expressly exclude:
All conditions, warranties and other terms which might otherwise be implied by statute, common law or the law of equity.
Any liability for any direct, indirect or consequential loss or damage incurred by any user in connection with our site or in connection with the use, inability to use, or results of the use of our site, any websites linked to it and any materials posted on it, including:
Information about you and your visits to our site
Transactions concluded through our site
Contracts of insurance concluded through our site or as a result of visits made by you are governed by the Client Terms of Business Agreement (TOBA) and should there be any conflict between these terms and conditions and the TOBA, the TOBA shall prevail. You are responsible for determining whether any contract of insurance purchased by you, whether concluded through our site or by email, telephone or post, is suitable for your demands and needs.
All insurance policies are underwritten by one or more insurers. All quotations given through this site or as a result of visits to this site are an indication of what the premium is likely to be and is based on the information provided by you (Quote Indication). The Quote Indication can vary at any time, and for the avoidance of doubt you will not be insured until you receive confirmation from us that insurance is in force, whether it is via our site, or by email, telephone or post. Once the proposal has been accepted and the contract of insurance has been concluded we will notify you promptly of the occurrence of the same whether it is via our site, email, telephone or post.
All relevant information about you must be entered on to the Proposal Page or any other proposal form that you are required to submit. If you fail to disclose any relevant information about you this may invalidate or vary the insurance policy and the insurers may avoid cover or alter the terms of the insurance policy. For the avoidance of doubt we, other members of the Group, insurers and any third parties connected to us have no responsibility for, or accuracy of the Statement of Fact or any information entered on to the Proposal Page or any other proposal form, and will not be responsible, or liable to you or any third party for the consequences of any such failure.
The insurers, or us where we have delegated authority from the insurers, retain the sole discretion to bind contracts of insurance proposed through our site or as a result of visits made by you to the site. If the automated process provided through our site has rejected the proposal you may be referred to an employee of us. Cover may still be available by contacting us by email, telephone or post quoting you unique Quote ID.
Uploading material or information
Whenever you make use of a feature that allows Disclosures, you must comply with the Content Standards. You warrant that any Disclosure complies with those standards, and you indemnify will indemnify us for any breach of that warranty.
We will treat information received from you relating to this Agreement and to a contract of insurance as confidential and will not disclose it to any other person not entitled to receive such information except as may be necessary to fulfil our obligations in concluding contracts of insurance and required under the TOBA and except as may be required by law or regulatory authority.
For the avoidance of doubt we shall be entitled to disclose such information where necessary to insurers or reinsurers, actuaries, auditors, professional agents and advisers, any third party who is claiming that any Disclosure constitutes a violation of their intellectual property rights, or of their right to privacy and the Group. This clause will not apply to information which was rightfully in our possession prior to you disclosing the same, which is already public knowledge or becomes so at a future date (otherwise than in breach of these terms and conditions) or which is trivial or obvious.
We will not be responsible, or liable to any third party, for the content or accuracy of any Disclosure.
We have the right to remove any Disclosure if, in our opinion, such Disclosure does not comply with the Content Standards.
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 our site or to your downloading of any material or information, or on any website linked to it.
Linking to our site
You may link to our home page at www.loveyourhut.co.uk provided you do so in a way that is fair and legal and does not damage our reputation or take advantage of it, but you must not establish a link in such a way as to suggest any form of association, approval or endorsement on our part where none exists.
You must not establish a link from any website that is not owned by you.
Our site must not be framed on any other site, nor may you create a link to any part of our site other than the home page. We reserve the right to withdraw linking permission without notice. The website from which you are linking must comply in all respects with the terms of the Content Standards.
If you wish to make any use of material on our site other than that set out above, please address your request to:
Precision Private Clients
2 Burgage Square
Links from our site
Where our site contains links to other sites and resources provided by third parties, these links are provided for your information only. We have no control over the contents of those sites or resources, and accept no responsibility for them or for any loss or damage that may arise from your use of them.
Jurisdiction and applicable law
The English courts will have exclusive jurisdiction over any claim arising from, or related to, a visit to our site although we retain the right to bring proceedings against you for breach of these conditions in your country of residence or any other relevant country.
If you have any concerns about material or information or documents which appear on our site, please contact us by email at email@example.com by telephone on +44 (0) 1924 918784 or write to us Precision Private Clients, 2 Burgage Square, Merchant Gate, Wakefield, WF2 9SR.