Terms & Conditions

Summary

Below is a summary of some key terms of these Terms and Conditions. This summary is for your reference only and does not form part of the Terms and Conditions. 

1. Use of the site is subject to all of the Terms set out below - if you do not agree to the terms, please stop using the site immediately.
2. The site is for your personal use only and may not be used for any commercial purposes.
3. The site is for customers who are located in the UK only
4. The site may only be used by those over 18s. 
5. We are not a direct provider of business insurance.
6. We will not provide you with any advice regarding the suitability of any of the products from our panel of brokers, and business insurance providers.
7. Our service is free to use. When you apply for business insurance through our site, we receive a fee and/or commission from the provider.
8. It's your responsibility to ensure that the information you provide when using any of the sites is accurate and complete. If it isn't, a product or service that you obtain via our site may not be suitable.
9. It's also your responsibility to ensure that the product matches your business insurance needs.
10. If you proceed with a provider through our site, you will also be subject to the provider's terms of use and privacy policy (which will be different to ours) and you read those carefully.
11. We may amend these terms and conditions at any time and without notice by changing this page, so you check our Terms & Conditions each time you use the site.

Who are we?

insurance-commercialexperts.co.ukis a registered Trading Name of TFLI (US) INC who is an Appointed Representative of TFLI Limited who is not a direct provider and is entered on the Financial Services Register under reference number: 723630. 

TFLI (US) INC is authorised and regulated by the Financial Conduct Authority and is entered on the Financial Services Register under reference number: 946605. TFLI (US) INC is registered in the United States of America (Company number P20000059850). Registered Office: 1200 Brickell Avenue Suite 1950 #1016. Miami, FL 33131. Licenced by the Information Commissioner's Office, Registration Number ZB053626).

For the purposes of these Terms and Conditions, references to "we", "us", "our" or "Site" are registered to this site a Trading Name of TFLI (US) INC is an Appointed Representative of TFLI Limited.

Definitions

In these Terms & Conditions:

1. Service means any service that we display on our site
2. Site means any mobile applications or other similar devices, channels, or applications operated by us and
3. You and your means any person who accesses and uses the site

Your Acceptance of these Terms and Conditions

Access to and use of the Site is subject to these Terms and Conditions and our Privacy Policy. By accessing and using the Site you agree to be bound by and act in accordance with these Terms and Conditions and our Privacy Policy.

If you do not agree to these Terms and Conditions or our Privacy Policy, you should stop using and/ or accessing the Site immediately. 

Changes to these Terms and Conditions

We reserve the right to amend these Terms and Conditions from time to time by amending this page. The amended terms and Conditions will be effective from the date they are posted in the Site.

How to contact us

If you have any questions about these Terms and Conditions or would like to contact us for any other reason, you can reach us:

By Post: Customer Service Department, TFLI Limited, First Floor Beechwood Court, Springwood Way, Tytherington Business Park, Macclesfield, Cheshire, SK10 2XG

By Telephone: 01625 32 25 55

By Email: email us here

Our Service Provided to you

We provide an online service that allows you to apply for business insurance with our panel of brokers and business insurance providers. We work with the panel of brokers and business insurance providers displayed within our Privacy Policy shown in section 5. We have no control over the panel of brokers/insurance providers regarding the acceptance of an application as this is subject to business circumstances.

You may access our service in the following ways:

• Applying via our brands on social media platforms, for example, Facebook, Instagram, Snapchat, Ticktock, and Google PPC

In order for us to provide our Service, you will need to complete the online application providing us with information about you and your business insurance needs.

Application Outcomes

Upon the completion of the application, if you have been accepted by a broker or business insurance provider, we will share details of the business insurance provider. We have no control over the panel of brokers, and business insurance providers regarding the acceptance of an application as this is subject to your business circumstances.

Communication / Marketing

Unless stated otherwise, our panel of brokers and business insurance providers will contact you via means of telephone, SMS, and /or email to provide information and alerts relating to your application.

Soft opt-in is an exception to the general requirement to obtain consent before sending direct marketing to you by electronic means (such as email or text message for example) and applies where you have previously engaged with us (for example by submitting your contact details on our website to make an inquiry about Our Service), and we are marketing our similar products and services. Under the 'soft opt-in', we will assume you still want to hear about our other related products and services until you opt-out or unsubscribe. For most customers, this is beneficial as it allows us to tell you about our other similar products and services that we think would be useful to you alongside the specific one you originally expressed an interest in.

You can opt out of any contact from us at any time by clicking on the links with the SMS/email or emailing us here

Commission: 

Where you have applied using our site and the broker, or business insurance provider has accepted the application, we will receive a commission/fee.

Further information regarding commissions can be requested by emailing us here

Intellectual property rights

All Intellectual Property Rights (including, without limitation, all database rights, rights in designs, rights in know-how, patents, and rights in inventions (in all cases whether registered or unregistered and including all rights to apply for registration) and all other intellectual or industrial property rights in any jurisdiction) in any information, content, materials, data or processes contained in or to this Website belong to TFLI (US) INC or its licensed source. All rights of TFLI (US) INC who is an Appointed Representative of TFLI Limited in such Intellectual Property Rights are hereby reserved.

You may print off a copy and may download extracts, of any page(s) from the Website for your personal use.

You must not modify the paper or digital copies of any materials you have printed off or downloaded in any way, and you must not use any illustrations, photographs, video or audio sequences, or any graphics separately from any accompanying text.

Website Links from our Site

Links contained within our Privacy Policy on our Site relating to our lenders, broker, and business finance providers are provided for information only. If you click the links, you will be leaving our Site and we are not responsible for their content or the terms and conditions governing such sites. 

When visiting these Sites please ensure you read carefully and refer to the terms and conditions and privacy policy when using their Sites.

Security

We subscribe to the latest in internet security standards so you can use our service with confidence online. You can rest assured that the information you supply is encrypted and cannot be read by anyone else.

Jurisdiction

The Website & form is controlled and operated in the United Kingdom. These Terms and any non-contractual obligations arising out of or in connection with these Terms will be governed by the laws of England and Wales and you irrevocably agree to submit to the exclusive jurisdiction of the English courts.

Liability

To the extent permitted by law, we exclude all conditions, warranties, representations, or other Terms which may apply to the Website or any content on it, whether express or implied.

We cannot guarantee that the broker or business insurance provider will authorise any application. This may be as a result, directly or indirectly, of a systems problem, issues that are unforeseeable or outside of our control, or that of the broker, or business insurance providers, or because the information has been provided incorrectly.

We shall not be liable for any loss you may suffer unless we have been negligent or not acted in accordance with these Terms and Conditions or unless otherwise required by UK law. In the event that you do not use this form with reasonable care and in accordance with these terms and conditions or we discover or are notified that you are using this form fraudulently, we, the broker or business insurance provider reserve the right to charge you for any reasonable costs that we may incur in taking action to stop you using the form and recover any monies owed as a result of your activities.

Right to be Forgotten / Erasure of Your Personal Information

You have certain rights under the General Data Protection Regulations. For example, we will always let you have a copy of the personal information we hold about you if you request it from us in writing.

• Right to be informed when we collect your data, we have to tell you what we are going to do with it primarily through this Privacy Policy and within the opt-in/consent statement.
• Right to Object - because you have asked us to help you find an insurance product or service, we need to process the personal information you give us to enable us to find the best product or service available amongst our panel of brokers, and business insurance providers. You can object to this processing at any time by sending us an email here. We will action any request you make promptly, although this will mean that we will not be able to help you find the financial product or service that you asked us to search for.
• Right of Access - you can ask us at any time to confirm whether we hold your personal information, and if so, you can access it by emailing us here at Compliance Department. 
• Right to rectification - if we hold inaccurate personal information about you, you can ask us to correct it, and we will do this as quickly as possible.
• Right to erasure - if it is no longer necessary for us to hold your personal information bearing in mind the reason why you provided it to us, you can ask us to delete it. If you ask us to do this, we will delete your personal information as soon as possible although this will mean that we may not be able to help you find the financial product or service that you asked us to search for.
• Right to restrict our use of your information - you can ask us to restrict our processing of your personal information if you think for example that the personal information you gave us is inaccurate. This may mean that we may be unable to help you find the financial product or service you asked us to search for.
• Right to data portability - this gives you the right to ask a holder of your information to transfer that information to another business. This right would most commonly be used if you were switching banks, insurance companies, and utility companies.
• Rights related to automated decision-making including profiling - You have a right to object to automated decision-making, to express your point of view, ask for human intervention, and to be provided with an explanation of the decision with your option to challenge it. You can request this by emailing us here
• Right, to complain to the Information Commissioner's Office (ICO) - we will try to resolve any complaint that you may have in relation to data protection issues. If you are not happy with our final response you have the right to have your complaint dealt with by the ICO. Please refer to our Complaints section How To Make a Complaint below for further information.

To make inquiries and/or exercise any of your rights set out in this Privacy Policy please contact our Customer Services Team here

Complaints

We endeavour to make every effort to ensure our service to you is excellent; however, if you wish to make a formal complaint, please send your complaint via email here

We always aim to be fair and honest in everything we do, so if you have a complaint about any aspect of our service, we're keen to resolve it as quickly as possible. You can contact us in any of the following ways:

By Email: compliance@tfli.us or

By Post:

Compliance Director 

TFLI Limited (on behalf of TFLI (US) Inc)

First Floor Beechwood Court 

Springwood Way

Tytherington Business Park

Macclesfield

Cheshire SK10 2XG

By Telephone: 01625 32 25 55 

How we handle your complaint

Once you've made a complaint, the Compliance Department will log the complaint, send you an acknowledgement and try to resolve the concerns within 3 working days of receipt. The acknowledgement will include the name and contact details of the individual dealing with the complaint. 

We aim to resolve this as soon as possible usually within 15 working days issuing you with a final response. A final response must be issued within these 8 weeks, and we will always keep you updated on the progress of the complaint.

If for some reason we haven't been able to resolve your complaint within 8 weeks, or you're not satisfied with the resolution you can refer your complaint to the Financial Ombudsman Service

Last Updated September 2024