Privacy Policy & Terms of Use

Throughout these Terms of Usage and Privacy Policy details; M Ladbrook Limited may be referred to as Ladbrook, Ladbrook Insurance, we, us and inferred as ours or our.

Copyright: All content of this website shall remain the property of M Ladbrook Ltd unless written permission is given for copies or use of material. This applies to intellectual and physical material.

Disclaimer: Liability from Content

We makes every effort to maintain accuracy on this website, but disclaim all liability for any loss or damage which may arise from any use of information on, or use of, this site.  All users should satisfy themselves as to the accuracy of any information before considering its use.  Our web site contains links to other websites that are outside of our control and are not covered by our stated policies.   Links to Third Party sites when and if provided are for your convenience, we can accept no responsibilities for any content on those sites and the inclusion of such links does not imply and endorsement of them.

Privacy Policy

Introduction

We recognise our responsibility to treat your personal information with care and to comply with all relevant legislation, in particular the Data Protection Act 2018 and the EU General Data Protection Regulation (GDPR) – the “legislation”.  This notice covers our requirement to provide you with information on how and why we use your personal data and of your rights under the legislation.

Data Controller

We have provided you with a quotation and/or administer your insurance policy and are classed as the “data controller” which means we process your data. The contact details are shown at the foot of this notice.  Your data may be passed to other parties, including Insurers, for the purposes of arranging your insurance. These parties could also be data controllers and where necessary will issue their own Data Protection Privacy Notices.

Personal Information

We will use personal information about you mainly to provide you with a quotation from Insurers, arrange and administer your policy if you buy one through us, arrange Premium Finance/Consumer credit if required, inform you about our other products and services and statistical analysis.

Some of the personal information we ask you to provide may be sensitive (special category) as defined in the legislation such as information about your medical history. We can collect such information for insurance purposes without your specific consent but it will only be used for the purposes set out above.  If you give us information about another person, in doing so you confirm that they have given you permission to provide it to us and that we may use their personal data in the same way as your own as set out in this notice.

Legal Basis for processing your Personal Information 

We are required to have a lawful basis (as defined) in order to process your personal data and the relevant bases which we use are show in the table below.

 Marketing

 We may contact you by email, text, telephone, mail or other agreed means to keep you up to date about our products and services.  The legislation allows us to do this in our own commercial interests for certain communications with previous customers. In other circumstances we can only do so with your explicit consent. In all cases you can opt out from receiving such communications at any time.

 Disclosure of your Personal Information

 As a necessary part of providing you with the services described above we may need to disclose your personal data to other third parties. These may include:-

Premium Finance companies, Computer bureaux/Software Houses, Insurers, Other Insurance Intermediaries, Insurance Industry databases, Government databases, Credit agencies, Regulatory authorities, the Police and other law enforcement bodies.

Fraud prevention and detection

 To prevent and detect fraud we may at any time:-

1. Share information about you with other organisations and public bodies including the Police.
2. Check and/or file your details with fraud prevention agencies and databases.
3. Undertake credit searches and additional fraud searches

We can supply on request further details of the databases which we use.

Credit Search Consent

To make sure you get the best price and terms for your Insurance, we will use the widest possible range of Insurers available to us including some who now carry out searches of their own to protect customers from fraud and to verify identity. They do this using publicly available data which they obtain from a variety of sources, including a credit reference agency and other external organisations to whom they may need to pass some of your personal information. Their search will appear on your credit report whether or not you take out or renew a policy with them.

As well as these searches, some Insurers may use a credit check to ascertain the most appropriate payment options for you. This credit check will also appear on your credit report whether or not you take out or renew a policy with them.

Automated decision making and Profiling (if relevant)

For all our quotation systems our insurer partners may use external data from Credit agencies, Electoral Roll, etc. to help in decision-making on pricing and risk acceptance. This may be regarded as “profiling” as defined in the legislation.  The legislation for both of these requires safeguards in the event that they have a legal or similarly significant effect on individuals. We do not consider that this processing poses such risks but you have rights to further information on these processes as explained below.

Retention Period

Your data will not be retained for longer than is necessary and will be managed in accordance with our data retention policy. In most cases the period will be for a maximum of 7 years following the expiry of an insurance contract unless we are required to retain the data for a longer period due to business, legal or regulatory requirements.

Your Rights

You have the following rights in relation to our processing of your personal data:-

1. The right to be informed about how we use your personal data (This Privacy Notice)
2. The right to see a copy of the personal information we hold about you. (In most cases this will be free of charge)
3. The right to have personal information rectified if inaccurate or incomplete.
4. The right of erasure of your personal information where there is no compelling reason for its continued processing.
5. The right to restrict processing in certain circumstances, e.g. if its accuracy is being contested.
6. The right to data portability which, subject to certain conditions, allows you to obtain and reuse your personal data across different services.
7. The right to object to certain processing including for the purposes of direct marketing.
8. Rights to information in relation to automated decision making and profiling.

Contact Us / Complaints

If you have a complaint about how we use your personal information please contact us at the address below. You also have the right to lodge a complaint with the Information Commissioner’s office at any time.  For further information on this Privacy Notice, to access your personal information or to exercise any of your other rights, please contact The Data Protection Manager, M Ladbrook Ltd at County House, Waterside Business Park, Sheffield S25 3QA and at info@ladbrook.co.uk and at telephone number 01909 565858.

Terms of Use

This website (“website”) is owned by and operated by M Ladbrook Limited (Ladbrook). M Ladbrook Limited registered address is County House, Redwall Close, Rotherham Road, Dinnington S25 3QA. Registered in England No. 6317314.  We are a limited liability company, registered in England and Wales: 05711191. We are authorised and regulated by the Financial Conduct Authority, 12 Endeavour Square, London, E20 1JN. Our FCA registration no. is 448916. You can check this on the FCA’s register by visiting their website www.fca.org.uk/register or by contacting the FCA on 0800 111 6768.

Please note that the terms “we”, “us”, “our” and “ours” when used in these Terms of Use means M Ladbrook Limited.  Also note that the terms “you”, “your” and “yours” when used in these Terms of Use mean any user of this website.

Access to and use of this website and the information, materials, products and services available through this website are subject to all applicable laws and regulations and to these Terms of Use.  By accessing our website, you agree to our Terms of Use which form a legally binding agreement. If you do not agree, please exit this website immediately.

These Terms of Use may be changed by us from time to time. The latest Terms of Use will be posted on the website, and you should always review these Terms of Use prior to using the website to ensure that you have a current understanding of the Terms of Use under which you are permitted to access this website. If you cannot access the Terms of Use via the Internet, we can provide a copy of the most recent Terms of Use by e-mail upon request.

Access to this website (or portions thereof) and the use of information, materials, products or services provided through this website (or portions thereof), is not intended, and is prohibited, where such access or use violates applicable laws or regulations.

Minors

Please note that this website is a commercial website for the use of UK residents only. As such, it is not intended for children.  Some content on our website will to be suitable for children.

Product and Services

Any reference on this website to information, materials, products and services apply to information, materials, products and services available in the UK with respect to such information only, unless otherwise stated. Any products or services purchased via this website will definitely be subject to other separate terms and conditions applicable to such product or service.  You will find our client Terms of Business separately on this website and a copy is always available on request.

Ownership

Unless otherwise indicated, this website and its design, text, content, selection and arrangement of elements, organisation, graphics, design, compilation, magnetic translation, digital conversion and other matters related to this website (“Elements”) are protected under applicable copyrights, trademarks and other proprietary (including, but not limited to, intellectual property) rights and are the property of M Ladbrook Limited or are included with the permission of the rights owner and are protected pursuant to copyright and trademark laws.

The posting of any such Elements on this website does not constitute a waiver of any right in such Elements. You do not acquire ownership rights to any such Elements viewed through this website. Except as otherwise provided herein, none of these Elements may be used, copied, reproduced, distributed, republished, downloaded, modified, displayed, posted or transmitted in any form or by any means, including, but not limited to, electronic, mechanical, photocopying, recording, or otherwise, without our express prior written permission.

Permission is hereby granted to the extent necessary to lawfully access and use this website and/or information, materials, products and/or services available on it to display, download, archive and print in hard copy, portions of this website, provided you do not modify the Elements and that you retain any and all copyright and other proprietary notices contained in the Elements. This permission terminates automatically if you breach any of these Terms of Use.

Trademarks

Our logo, all product names, all page headers, all custom graphics, all button icons, all trademarks, service marks and logos appearing on this website, unless otherwise noted, are service marks, trademarks and/or trade dress of M Ladbrook Limited (the “Marks”). All other trademarks, product names, company names, logos, service marks and/or trade dress mentioned, displayed, cited or otherwise indicated on the website are the property of their respective owners. You agree not to display or use the Marks in any manner without our prior written permission. You agree not to display or use trademarks, product names, company names, logos, service marks and/or trade dress of other owners without the prior written permission of such owners. The use or misuse of the Marks or other trademarks, product names, company names, logos, service marks and/or trade dress or any other materials contained herein, except as permitted herein, is expressly prohibited.

Links from other Websites

Persons providing access to this website via any link from another website are solely responsible for the content, accuracy, opinions expressed, privacy policies, products or services of, or available through, the source website and for any representations made or impressions created concerning M Ladbrook Limited.

Authorisation by us to link to this website is given without assumption of any liability by us relating to such links, and we hereby disclaim any such liability. We reserve the right to withdraw any authorisation to link to this website at any time and for any reason. We may also use technology that prevents so-called “deep linking”, “spidering” or web crawling, or at any time to prohibit any person from access to this website or any part of it which we in our sole discretion consider is excessive or in any way harmful to the operation of this website, or to M Ladbrook Limited’s business or reputation.

Anyone providing access to, or information relating to this website, whether by link or otherwise, is responsible for bringing these Terms of Use to the attention of the person receiving such access or information. Failure to do so will not result in liability for us.

Data Protection Consent

By agreeing to these Terms of Use, you acknowledge you have read and understood the terms of our Privacy Statement above and that you agree with it.

With the exception of Personal Data, any communication or material you post or transmit to us over the Internet is, and will be treated as non-confidential and non-proprietary. Upon the transmission of any personal information to us, you expressly grant permission to us to disseminate and/or use such information for any lawful purpose as detailed in our Privacy Statement.

Posting or transmitting of any unlawful, threatening, libellous, defamatory, obscene, pornographic or profane material or any material that could constitute or encourage conduct that would be considered a criminal offence or violation of any law is strictly prohibited.

We reserve the right to monitor your communications with us whether by mail, voice, e-mail or any other form of transmission for the purposes of quality control, security and other business needs.

Notwithstanding the foregoing, all personal data provided to us as a result of this website will be handled in accordance with our Privacy Statement.

No Warranties

This site is provided on an “as is,” “as available” basis, without warranties of any kind. To the fullest extent possible pursuant to applicable law, M Ladbrook Limited, its affiliates, service providers and licensers disclaim all conditions, warranties and other terms, whether express, implied, statutory or otherwise. Without limiting the foregoing, M Ladbrook Limited, its affiliates, service providers and licensers do not represent or warrant to you or your company and M Ladbrook Limited, its affiliates, service providers and licensers hereby disclaim all conditions, warranties and other terms relating to:

• all warranties of merchantability, fitness for a particular purpose, title and non-infringement;
• delays, interruptions, errors, or omissions in the operation of this site or any part of it;
• the transmission or delivery of this site or its availability at any particular time or location;
• the use, validity, accuracy, currency or reliability of, or the results of the use of this site or any information published on this site; and
• to websites to which this site is linked.

The materials on this site comprise M Ladbrook Limited’s views and are designed to provide general information only. Whilst every effort has been made to ensure that the information provided is accurate, it does not constitute legal or other professional advice. It is your responsibility to evaluate (or take professional advice on) the accuracy and completeness of all information, statements, opinions and other material on this website or any website with which it is linked.

Some jurisdictions do not allow the exclusion or disclaimer of certain warranties. Accordingly some of the above disclaimers may not apply to you. We do not seek to exclude or limit liability for fraudulent misrepresentation or any other liability which cannot be excluded or limited under applicable law. Your statutory rights as a consumer, if any, are not affected hereby.

Exclusion of our Liability

To the fullest extent permitted by applicable laws we, on behalf of our employees, agents, suppliers (including insurance partners), and contractors exclude liability for any losses, damages and expenses of whatever nature and howsoever arising including, without limitation, any direct, indirect, special, punitive, or consequential loss or damages, loss of use, loss of data, loss caused by a virus, loss of income or profit, loss of or damage to property, claims of third parties, or other losses of any kind or character.

Even if we have been advised of the possibility of such damages or losses, arising out of or in connection with the use of this website or any website with which it is linked. You assume total responsibility for establishing such procedures for data back up and virus checking as you consider necessary.

This is a comprehensive limitation of liability that applies to all losses and damages of any kind whatsoever, whether the alleged liability is based on contract, negligence, tort, strict liability or any other basis. Some jurisdictions do not allow the limitations of liability set forth above, so these limitations of liability may not apply to you. If any part of this limitation of liability is found to be invalid or unenforceable for any reason, then the aggregate liability of M Ladbrook Limited, its affiliates, service providers and licensers under such circumstances for liabilities that otherwise would have been limited, shall not exceed £500. We do not seek to exclude or limit liability for fraudulent misrepresentation or any other liability that cannot be excluded or limited under applicable law.

Indemnity and Release

You agree to indemnify, release and hold us harmless as well as our officers, directors, agents, representatives and employees from any claim, liability, loss, expense or demand, including legal fees, related to your violation of these Terms of Use or your access or use of this website or any of the information, materials, products or services available through this website.

Entire Understanding

These Terms of Use contain the entire understanding between you and us with respect to this website and no representation, statement, inducement oral or written, not contained herein shall bind any party to this agreement. Our failure to enforce any provision of these Terms of Use shall not be deemed a waiver of such provision nor of the right to enforce such provision.

If any provision of these Terms of Use is held by a court of competent jurisdiction to be contrary to law, such provision shall be changed and interpreted so as to best accomplish the objectives of the original provision to the fullest extent allowed by law, and the remaining provisions of these Terms of Use shall remain in full force and effect.

Waiver

M Ladbrook Limited’s failure at any time to require performance of any provision of these Terms of Use or to exercise any right provided for herein shall not be deemed a waiver of such provision or such right. All waivers must be in writing. Unless the written waiver contains an express statement to the contrary, no waiver by M Ladbrook Limited of any breach of any provision of these Terms of Use or of any right provided for herein shall be construed as a waiver of any continuing or succeeding breach of such provision, a waiver of the provision itself, or a waiver of any right under these Terms of Use.

Jurisdiction

You agree that the substantive laws of England and Wales shall govern any controversy or claim of whatever nature arising out of or relating to the use of this website, without regard to any conflict of laws provisions. All actions or proceedings arising out of or relating to these Terms of Use, their validity, performance, enforcement or breach, or the subject matter of these Terms of Use shall be heard in the courts of England and Wales and you hereby irrevocably consent and submit yourself to the personal jurisdiction of said courts for all such purposes.

Notwithstanding the foregoing, we retain the right to bring legal proceedings in any jurisdiction where we believe that breach of this agreement is taking place or originating.

How to Cancel a Policy

You may have a statutory right to cancel your insurance within a short period. Please refer to your policy summary or your policy document for further details. If you cancel you will receive a pro rata refund of premium from the insurer. We may also keep an amount that reflects our administrative costs of arranging and cancelling the insurance. If you wish to cancel outside of this period you may not receive a pro rata refund of premium. We may also keep an amount that reflects our administrative costs of arranging and cancelling the insurance plus an administration fee for each and every cancellation and/or adjustment.

Refunds and Cancellation

Refunds will be made to the payment method in which they are collected. Credit and Debit card refunds must be issued to the same Credit or debit card from which the original payment was made.

Contacting Us

If you have any questions regarding these Terms of Use or any other matter, you may contact us by writing to us, our details can be found here.