Last updated: October 1, 2024

Brown & Brown, Inc., and its subsidiaries and affiliates worldwide (collectively, “Brown & Brown”, the “Company”, “we”, “us”, “our”), take your privacy seriously. This Global Privacy Statement (“Statement”) describes how we collect, use, disclose, transfer across borders, and otherwise handle (collectively, “process”) your personal information. This Statement also describes your choices regarding our handling of your personal information and how to make those choices, how we safeguard your personal information, and how you may contact us regarding our privacy practices.

The term “personal information” as used in this Statement means, unless specified otherwise, any information related to or about an identified or identifiable natural person.

This Statement contains the following sections:

1. Scope of this Statement
2. Your Consent
3. Personal Information We Collect
4. Sources of Personal Information
5. How We Use Personal Information
6. How We Disclose Personal Information
7. Cross-Border Data Transfers
8. Information Security
9. Retention of Personal Information
10. Information Rights Specific to Your Region
11. Children
12. Contact Us
13. Changes to the Statement

1. Scope of this Statement

You may interact with Brown & Brown online and offline for a variety of reasons. This section explains when the Statement applies to Brown & Brown’s processing of your personal information.

Brown & Brown as Data Controller: Unless stated otherwise, this Statement applies to any personal information you provide to Brown & Brown and any of your personal information we collect when you:

• visit or use our websites or applications (together the “Site”)
• visit a Brown & Brown office or other physical location
• attend events or seminars hosted by Brown & Brown
• request a service from us or use other services that refer to or link to this Statement (each, a "Service").

This Statement also applies to personal information Brown & Brown may collect from or about the corporate representatives of clients, vendors, suppliers, business partners, and others for the purposes of conducting our own business, such as contracting and invoicing. This personal information generally is limited to contact details and other limited information necessary to complete business transactions (“Business Contact Information”).

Identification of the Data Controller: The Brown & Brown entity whose website or physical location you visit, event you attend, or Service you use also is responsible for the processing of your personal information collected in relation to the visit, event, Service, or business relationship (“data controller”).

A full list of the Brown & Brown entities and their contact details is available here.

This Statement does not apply to the processing of your personal information described below:

Brown & Brown as Data Processor: At times, Brown & Brown may collect and otherwise process personal information in our capacity as a data processor, meaning that we handle your personal information only on our client’s behalf and in accordance with their instructions. This Statement does not apply to Brown & Brown’s processing of personal information as a data processor. For information about this processing of your personal information, please refer to the website of the Brown & Brown client on whose behalf Brown & Brown is providing the service.

Brown & Brown as Employer: This Statement does not apply with respect to the personal information processed by Brown & Brown in our capacity as an employer, including the personal information of job applicants who apply for employment with Brown & Brown or the Company’s current or former employees or independent contractors. Brown & Brown maintains separate policies, as required by law, with respect to the Company’s processing of personal information in its capacity as employer.

Third-Party Sites: The Site may include links to, and plug-ins from, sites or applications operated by third parties (“Third-Party Sites”). Brown & Brown does not control any Third-Party Sites and is not responsible for any personal information they may collect. The information collection practices of Third-Party Sites are governed by their privacy policies. If you choose to enter any Third-Party Site from the Site, please refer to that site’s privacy policy to learn more about that site’s processing of your personal information.

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2. Your Consent

"Consent" means any freely given, specific, informed and unambiguous indication of your wishes by which you, by a statement or by a clear affirmative action, indicate your unambiguous agreement to the processing of your personal information.

By providing your personal information to Brown & Brown as data controller, you consent to Brown & Brown’s processing of your personal information as described in the Statement, as it may be modified from time to time. You also have the right to withdraw your consent at any time. As our business evolves, this Statement may change, so check back to this page periodically to make sure you understand how your personal information will be handled. Where processing of your data requires explicit consent, this will be obtained directly from you prior to proceeding.

Please understand that you are not obliged to provide your personal information to the Company. However, if you do not provide your personal information, or otherwise do not consent to the processing of your personal information or withdraw your consent to the processing, the Company may not be able to provide you with certain Services and may be required to terminate the Services currently provided to you.

Where applicable law requires a lawful basis for collecting, using and otherwise processing your personal information and you do not consent or you withdraw your consent, the Company relies on the following alternative grounds as applicable:

• as necessary to enter into a contract for Services with you, and to perform our obligations under that contract;
• as required to fulfill the Company’s legal obligations;
• as necessary to exercise the Company’s rights or defend against legal claims;
• where applicable, as necessary for the Company to pursue our legitimate business interests, such as managing our relationship with our clients, suppliers, and you, maintaining our business records, and improving our products and Services.

Before collecting your sensitive personal information, we will, when required by applicable law, provide you with a separate notice and, if the collection is not required by applicable law, request your explicit consent whenever legally required to do so.

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3. Personal Information We Collect

The types of personal information we collect will vary depending upon the reason that you are interacting with us and may include the following:

• Contact details: such as your name, email, mailing address, and phone
• Identification details: Identification numbers issued by government bodies or agencies, including your Social Security number, national insurance number, passport number, tax identification number, state ID card number, driver’s license number, photographs, or audio or video recordings of you, for example, when you call one of our service centers or visit one of our physical locations.
• Demographic details: such as your date of birth, age, gender, marital status, and insurance requirements.
• Employment information: such as employer, job title, employee number, employment status, salary, ethnicity, employer history, employment benefits, and family details, including their relationship to you.
• Health information: such as medical records, health status, injury or disability information, medical treatment, personal habits (for example, smoking), prescription information and medical history.
• Benefits information: such as benefit elections, pension entitlement information, date of retirement and any relevant matters impacting your benefits, g., voluntary contributions, pension sharing orders, tax protections or other adjustments.
• Financial information: such as bank account number or other financial account number and account details, credit history and bankruptcy status, salary, bonus payments, benefits and entitlement data, and national insurance contributions details, only as necessary to provide our Services.
• Claims details: Information about previous and current insurance claims, (including other unrelated insurances), which may include data relating to claims concerning you or your employer’s insurance policy.
• Marketing and communications preferences: such as interests and preferred language. To improve our marketing communications, we may also collect information about interactions with, and responses to, our marketing communications.
• Events information: such as information about food allergies or dietary restrictions along with feedback forms when registering for or attending in-person events.
• Background checking information: such as inclusion on a sanctions list or a public list of disqualified directors, the existence of previous or alleged criminal offences, or confirmation of clean criminal records, information in relation to politically exposed persons (“PEPs”), only where this information is (i) applicable in the context of the Service you have requested; and (ii) we have obtained your consent, as appropriate.
• Comments, feedback or other information provided to us: such as social media interactions with our social media presence, comments provided on feedback forms or surveys and questions or information sent to our support services.
• Account login credentials: such as username and password, and security information related to your account with us.
• Payment information: such as credit or debit card number and bank account details to facilitate payment on behalf of insurers.
• Driving history, certifications and insurance details: such as driving license details, the period for which a license has been held, existing and previous insurance policy details, previous accident and claims history and details of any motoring convictions, only as part of your application for and administration of the Service to be provided.
• Telephone recordings: Recordings of telephone calls with our representatives and call
• Photographs and video recordings: Images (including photographs and pictures) or video recordings created in connection with our insurance or other business activities, including for claims assessment, administration and settlement, claim disputes, or for other relevant purposes as permitted by law, as well as CCTV recordings captured by equipment on our premises.
• Online information: Such as device, computer and connection information, device location information, and data collected during use of our website.
• Business Contact Information: Such as your name, employer, job title, business mailing address, business email address, business phone number, and other information necessary for the administration of the relationship between Brown & Brown and your

Brown & Brown may collect sensitive personal information (such as health information and criminal history information) as described above. We do so only to the extent necessary for the provision of Services and only if and to the extent permitted by applicable laws. Whenever legally required to do so, we will provide you with a separate notice and request your consent before collecting your sensitive personal information.

If you provide us with personal information relating to other people (e.g., your spouse, civil partner, dependents, beneficiaries, etc.), we will process that information in accordance with this Statement. You are responsible for the accuracy of such information and for ensuring that those people are informed that you provided their personal information to Brown & Brown and that we will process their personal information in accordance with this Statement.

Automated Collection of Information on the Site

When you browse our Site, we may collect information automatically through technology to help enhance our ability to serve you. This may include: the name of the domain and host from which you access the Internet; the Internet protocol (IP) address of the computer you are using; the browser software you use and your operating system; the date and time you access our Site; and the Internet address of the site from which you linked directly to our Site.

We may use this information only as anonymous aggregate data to determine the number of visitors to different sections of our Site, to ensure the Site is working properly, and to help us make our Site more useful. For example, we may use your IP address to assist in correcting server problems and to administer our Site. Additionally, we may use this information for statistical purposes, such as determining user demographics for advertising purposes. We do not use this information to track or record information about individuals.

Cookies: Cookies are small pieces of data stored by your internet browser on your computer’s hard drive. They cannot be used to collect data from your hard drive, obtain your e-mail address or personal information about you.

If you are browsing our Site, we may also use cookies or similar mechanisms to help us measure the number of visits, time spent, pages viewed and other statistics about traffic to our Site. We may also use cookies provided by Google Analytics for collecting website analytics and could use the information set forth above. For more information on Google Analytics, and how it collects and processes data, go to: https://www.google.com/policies/privacy/partners/.

You may set your browser to notify you when you receive a cookie or to prevent cookies from being sent. Please note that when you block the acceptance of cookies you limit the functionality we can provide when you visit our Site. For more information about cookies and other technologies we use on the Site, please review our Cookies Policy.

Do Not Track Setting: The Site does not track your online activities over time and across websites or online services on an individually identifiable basis, and we do not allow third parties to use our Site to track your activities over time or across other websites. Your web browser may have settings that allows you to transmit a “Do Not Track” signal when you visit various websites or use online services. Like many websites, the Site is not designed to respond to “Do Not Track” signals received from browsers. To learn more about “Do Not Track” signals, go to: https://allaboutdnt.com/.

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4. Sources of Personal Information

We may collect personal information about you from the following sources:

• Directly from you: We collect personal information about you when you submit an application for a Service, use a Service, visit our Site, register for or attend an event, or otherwise communicate directly with us.
• From your employer or representative: We may obtain personal information about you from your employer or the company with which you are affiliated in order to provide Services to them and/or manage your access to such Services.
• From a third party acting on your behalf: We may collect personal information from your family members, financial advisor or representative.
• From insurance carriers and third-party agent/brokers: In the event of a claim, we will receive information about you from third parties, including the other party to the claim (claimant/defendant), witnesses, experts (including medical experts), loss adjusters, attorneys, and claims handlers.
• From automated technologies: We may obtain personal information about you through automated technologies, such as cookies on our Site (as described in more detail in Section 3, above), or from surveillance or recording technologies, such as video surveillance in Company facilities.
• From acquired entities: If we acquire an entity as part of a corporate transaction, we may obtain personal information about you from that entity.
• From other third parties: We may obtain your personal information from credit reference agencies, anti-fraud databases, sanctions lists, court judgements and other judicial databases, government agencies, open electoral register and any other publicly available data sources.

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5. How We Use Personal Information

Depending on the nature of your interaction with Brown & Brown (e.g., as a policyholder, website user, business contact), we may use personal information about you for the following purposes:

Providing Services to You or on Your Behalf:

• To arrange insurance coverage (issue quotations, inception of a Service, renewals)
• To administer policies and process claims
• To make assessments and decisions, including whether to pay your claim or pursue any losses against you or a third party, provide you with our products and Services, on what terms and whether you are eligible for a payment plan
• To process payments when you purchase a product or Service and any refunds
• To collect, forward and refund premiums
• To facilitate premium finance arrangements
• To conduct credit assessments and other background checks
• To provide other Services to you, at your request or at the request of a third party acting on your behalf

Communicating With You:

• To communicate with you about our products and Services
• To operate, assess activity on, and improve the Site and related Services
• To conduct marketing
• To allow members of the Brown & Brown family of companies to notify you of certain products or Services offered by them

Managing Our Business:

• To process business-related transactions, such as the purchase of products or services from vendors or suppliers
• To manage relationships with third parties (e.g., brokers and vendors)
• To facilitate business transfers to successors of the business in the event of sale, reorganization, or other corporate transaction, including due diligence and planning

Complying With Legal Obligations and Protecting Ourselves:

• To comply with applicable legal, regulatory and professional obligations, including cooperating with regulatory bodies and government authorities
• To comply with law enforcement requests
• To exercise and defend ours, yours, or applicable third parties’ legal rights
• To undertake anti-fraud, sanction, anti-money laundering and other checks to protect against fraudulent, suspicious or other illegal activities
• To conduct compliance/security monitoring and screening
• To conduct internal investigations into alleged violations of Company policy or applicable legal requirements
• To monitor and ensure the safety and security of our premises, property, employees and visitors
• To engage in other activities we believe necessary to meet legal, security, and regulatory requirements

Improving our Services:

• To conduct research and statistical analysis
• To build databases related to the Services for use by us and others with which we may share information
• To improve our products and Services
• To provide staff training, including by recording and monitoring telephone calls
• To maintain information security
• To conduct customer analysis, market research and focus groups, including customer segmentation, campaign planning, creation of promotional materials, gathering customer feedback, and conducting customer satisfaction surveys
• To manage concerns and complaints, including to allow us to respond to any current complaints or concerns you or others might raise later, for internal training and monitoring purposes and to help us to improve our complaints handling processes.

No Automated Decision Making

The Company does not use the personal information collected for automated decision-making, including profiling, that produces legal effects or similarly significantly effects on Non-U.S. Residents.

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6. How We Disclose Personal Information

We do not, and will not, sell your personal information or disclose it to third parties for cross- context behavioral advertising (“sharing”). We may disclose personal information to the following categories of third parties for the following purposes:

• Service Providers: We may disclose your personal information to service providers to provide services to us or on our behalf and to assist us in meeting our business needs and contractual and legal obligations — for example, to host all or portions of the Site, to process payments, or to conduct credit, background or other Service providers will be permitted to process your personal information only for the purpose(s) for which it was disclosed to them and in accordance with the Company’s instructions.
• Professional Advisers and Related Third Parties: For example, we may disclose personal information to lawyers to assist us with legal compliance, auditors, accountants, consultants, insurance carriers, reinsurers, intermediaries, and third-party agents/brokers to assist us in providing Services to you or in otherwise conducting our business.
• Corporate Affiliates: Your personal information may be disclosed to other companies within the Brown & Brown family of companies, for example, to provide you with our products and Services or to provide you with information about their products and services.
• Government Authorities or Administrative Agencies: We may disclose your personal information, for example, to law enforcement or regulatory bodies or tax authorities.
• Other Third Parties: We may disclose your personal information to other third parties;
• When Required By Law: for example, when we respond to subpoenas, court orders, legal process, or discovery requests in civil litigation.
• To Protect Rights, Property or Safety: If we believe that your actions violate applicable law, or threaten the rights, property, or safety of the Company, our clients, or others.
• In Corporate Transactions: We may disclose and transfer your personal information, including to a subsequent owner or co-owner, of our business, including in connection with a corporate merger, consolidation, bankruptcy, the sale of all or substantially all of our membership interests and/or assets, or other corporate change.

The Company will make the disclosures described above only as permitted by applicable laws.

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7. Cross-Border Data Transfers

Due to the global nature of our business and for the purposes set forth above, we may transfer personal information to parties located in countries other than the one where you reside, including in the United States. For example, we may transfer personal information internationally to our subsidiaries, affiliates, service providers, business partners and governmental or public authorities in another country in connection with the performance of our Services. The laws of these countries may provide a different level of protection for personal information than the country where you reside.

We will, when required by applicable law, rely on approved mechanisms to lawfully transfer personal information across borders, such as standard contractual clauses or other model clauses approved for use by applicable data protection authorities. We generally will use Standard Contractual Clauses (“SCCs”), approved by the European Commission, as a legal mechanism for data transfers outside the European Union (EU); the Addendum to the SCCs, approved by the United Kingdom’s (“UK”) Information Commission, for transfers outside of the UK; and the Standard Data Protection Contractual Clauses (the “SDPCC”), approved by the Commissioner of Data Protection for the Dubai International Financial Centre (‘DIFC”), for transfers outside of the DIFC. These clauses are contractual commitments between companies transferring personal information, binding them to protect the privacy and security of the transferred personal information. Please contact us using the contact details provided under Section 12 (Contact Us), below, if you would like to request a copy of the relevant standard data transfer clauses.

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8. Information Security

We work to secure your personal information from being lost, accessed, used, modified, or disclosed by/to unauthorized persons. During transmission of personal information between you and our Site, we use Transport Layer Security (TLS) software to encrypt information you input. Only employees who need the information to perform a specific job are granted access to personal information. These employees are made aware of our security and privacy practices. As another security measure, the servers that we use to store personal information are kept in a secure, restricted access area.

Please note that despite our reasonable efforts, no security measure is ever perfect or impenetrable, so we cannot guarantee the security of your personal information. Consequently, you should take steps to protect against unauthorized access to your password, phone, and computer by, among other things, signing off after using a shared computer, choosing a robust password that nobody else knows or can easily guess and keeping your log-in and password private.

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9. Retention of Personal Information

We keep personal information for as long as is reasonably required for the purposes explained in this Statement. We also hold records, which may include personal information, to meet legal, regulatory, tax, accounting and/or internal data retention policy needs. For example, we are required to retain an accurate record of your dealings with us, so we can respond to any complaints or concerns you or others might raise later. We’ll also retain files if we reasonably believe there is a prospect of litigation. The specific retention period for your personal information will depend on your relationship with us and the reasons we hold your personal information.

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10. Information Rights Specific to Your Region

Additional State-Specific Information for Individuals Who Reside in the United States

Scope of This Section

This section applies only to individuals who reside in the states of California, Colorado, Connecticut, Montana, Oregon, Texas, Utah, and Virginia (collectively, “U.S. Residents”). This Section provides U.S. Residents with information that is not provided elsewhere in this Statement and is required by the law of the state where they reside (collectively, “Applicable State Privacy Laws”).

This section does not apply to:

• information publicly available from government records or made publicly available by you or with your permission
• deidentified or aggregated information;
• protected health information covered by the Health Insurance Portability and Accountability Act (“HIPAA”) or the Health Information Technology for Economic and Clinical Health Act (“HITECH”);
• personal information covered by certain sector-specific privacy laws, including the Fair Credit Reporting Act (“FCRA”), or the Gramm-Leach-Bliley Act (“GLBA”)
• any other personal information or entities excluded from the scope of Applicable State Privacy Laws.

Your Privacy Rights

Subject to any applicable limitations and exceptions, U.S. Residents have the following rights under State Privacy Laws:

• Right to Access/ to Know: You have the right to information about whether we process your personal information, to have access to such information, and certain details about how we use it. If you are a resident of California, you have the right to information about whether we process your personal information, and our collection, use, and disclosure of categories of your personal In addition, in lieu of a right to access, you have the right to submit a verifiable request to know specific pieces of your personal information obtained from or about you.
• Right to Delete: Except for residents of California and Utah, you have the right to submit a verifiable request to delete personal information that Brown & Brown has collected from or about you. If you reside in California or Utah, you have the right to submit a verifiable request to delete personal information that Brown & Brown has collected from you.
• Right to Correct: You have the right to submit a verifiable request to correct inaccurate personal information that Brown & Brown has collected from or about you, taking into account the nature of the personal information and the purposes of processing the personal information.
• Right to Data Portability: Except for residents of California, you have the right to obtain from the Company, or to ask the Company to send to a third party, a copy of your personal information in electronic form that you provided to the Company.
• Non-Discrimination: Brown & Brown will not unlawfully discriminate against you for exercising your privacy rights under Applicable State Privacy Laws.

If you reside in Oregon: In addition to the rights described above, you also have the right to obtain, at Brown & Brown’s option, a list of specific third parties to which we have disclosed either your personal information, or any personal information.

How to Exercise Your Privacy Rights

To exercise your rights, please submit a request to us by visiting our online privacy rights portal and completing the request webform.

Alternatively, you may call us at +1 (888) 914-9661 and enter the following PIN: 363 845 when prompted to do so. You will be asked to provide information necessary for us to process your request.

Except for residents of California and Utah, U.S. Residents may also have the right to appeal any decision we make in response to a request to exercise privacy rights, by using the webform or by calling us at the telephone number listed above. We will inform you of any action taken in response to an appeal, along with a written explanation of the reasons for our decision(s), in accordance with Applicable State Privacy Laws.

How We Will Verify Your Request

If you submit a request, we match personal information that you provide us against personal information we maintain in our files. The more risk entailed by the request (e.g., a request for specific pieces of personal information), the more items of personal information we may request to verify your identity. If we cannot verify your identity to a sufficient level of certainty to respond securely to your request, we will let you know promptly and explain why we cannot verify your identity.

Authorized Agent

If an authorized agent submits a request to know, correct, or delete on your behalf, the authorized agent must submit with the request a document signed by you that authorizes the authorized agent to submit the request on your behalf. In addition, we may ask you to follow the applicable process described above for verifying your and the authorized agent’s identity. You can obtain an “Authorized Agent Designation” form by contacting us at it@bbins.com.

Additional Information for California Residents

The California Consumer Privacy Act as amended by the California Privacy Rights Act (the “CCPA”) requires the following additional information for California residents. The information below concerning the collection and disclosure of California residents’ personal information as well as the information in Sections 3 through 6, above, apply to Brown & Brown’s collection, use, and disclosure of California residents’ personal information during the twelve months preceding the last updated date of this Privacy Statement and prospectively.

Notice at Collection

The Company collects the categories of personal information identified in Section 3 (Personal Information We Collect About You), above, for the purposes identified in Section 5 (How We Use Your Personal Information), above, and retains personal information for the period described in Section 9 (Retention of Personal Information), above. We do not, and will not, sell your personal information or disclose it to third parties for cross-context behavioral advertising (“sharing”). In addition, we have no actual knowledge that we sell or share the personal information of individuals of any age, including the personal information of children under 16. We also do not collect or process sensitive personal information for the purpose of inferring characteristics about you.

Additional Information About the Categories of Personal Information We Collect

The personal information we collect falls within the following “categories of personal information” listed in the CCPA:

• Identifiers, such as your name, telephone number, and email
• Professional or Employment-Related Information, such as your employer, job title, and other information necessary for the administration of the relationship between Brown & Brown and your employer.
• Commercial Information, such as records of services purchased, and purchasing or consuming histories.
• Internet or other electronic network activity information, including your interactions with the Site.
• Sensory or Surveillance Data, for example: voice-mails, recordings of telephone calls with our service center representatives, recordings captured by equipment at our offices and other physical locations.
• Characteristics of Protected Classifications Under California or Federal Law, such as your age, gender, or marital status, where relevant to the Service provided.
• Personal information listed in the California Customer Records statute (Cal. Civ. Code §1798.80(e)), to the extent not already included in other categories here, such as benefit elections, pension entitlement information, and certain medical records.

Additional Information About Disclosures of Personal Information

We may disclose your personal information to third parties for the following “business purposes” as that term is defined in the CCPA and as a supplement to the disclosure described in Section 6 (How We Disclose Personal Information), above:

• Service providers: We may disclose any of the categories of personal information listed above to service providers for the business purpose of performing services on the Company’s behalf.
• Professional Advisers and Related Third Parties: We may disclose the categories of personal information listed above to the professional services providers listed in Section 6 (How We Disclose Personal Information), above, for the business purpose of auditing compliance with policies and applicable laws.
• Affiliated companies: We may disclose any of the categories of personal information listed above to other companies within the Brown & Brown family of companies for the business purposes of: (a) auditing compliance with policies and applicable laws, (b) helping to ensure security and integrity, (c) debugging, (d) short-term transient use, (e) internal research, and (f) activities to maintain or improve the quality or safety of a service or device.

Note on Deidentified Information

At times, Brown & Brown converts California residents’ personal information into deidentified information using reasonable measures to ensure that the deidentified information cannot be associated with the individual (“Deidentified Information”). We maintain Deidentified Information in a deidentified form and do not attempt to reidentify it, except that we may attempt to reidentify the information solely for the purpose of determining whether its deidentification processes ensure that the information cannot be associated with the individual. Brown & Brown prohibits vendors, by contract, from attempting to reidentify the Company’s Deidentified Information.

Additional Information Specific to Individuals Who Reside Outside the United States

If you reside in Bermuda, Canada, the Dubai International Financial Center (DIFC), European Union (“EU”), Hong Kong, Malaysia, or the United Kingdom (“UK”) (collectively, “Non-U.S. Residents”), the following also applies to you:

Your Rights With Respect to Your Personal Information

Subject to any limitations and exceptions provided by the law applicable to your country of residence, you have the right to:

• request access to your personal information, e., to ask the Company to provide you with copies of your personal information;
• request that the Company update, correct or delete (the “right to be forgotten”) your personal information, i.e., to rectify personal information that is incomplete or inaccurate or to erase your personal information;
• withdraw your consent to the processing of your personal information, at any time, where you previously consented to the processing of your personal information. If the Company requests your consent to process your personal information and you do consent, you may use the contact information below to withdraw your consent. Any withdrawal shall not affect the lawfulness of processing based on your consent before its withdrawal, and the Company will continue to retain the information that you provided us before you withdrew your consent for as long as allowed or required by applicable In addition, if Brown & Brown has an alternative lawful ground for processing your personal information without your consent, the Company may continue processing your personal information based on that alternative lawful ground for processing.
• lodge a complaint with the supervisory authority where you live, where you work, or where you believe the violation occurred if you believe that your personal information has been processed in violation of applicable data protection law.
  • DIFC residents may contact the DIFC Commissioner of Data Protection here: https://www.difc.ae/.

• EU residents can find contact information for your data protection authority here: https://edpb.europa.eu/about-edpb/board/members_en
• UK residents can find contact information for your data protection authority here: https://ico.org.uk/.
• Canada residents may contact the Office of the Privacy Commissioner of Canada here: https://www.priv.gc.ca
• Bermuda residents may contact the Office of the Privacy Commissioner of Bermuda here: https://www.privacy.bm
• Hong Kong residents may contact the Office of the Privacy Commissioner for Personal Data here: https://www.pcpd.org.hk
• Malaysia residents may contact the Personal Data Protection Commissioner here: https://www.pdp.gov.my

Additional Rights Applicable to DIFC, EU, and UK Residents

Subject to any limitations and exceptions provided by the law applicable to your country of residence, DIFC, EU and UK residents also have the right to:

• request restriction of processing of your personal information in certain situations, such as while a dispute concerning the accuracy of personal information is being resolved;
• request data portability: Subject to certain limitations, the right to data portability allows you to obtain from the Company, or to ask the Company to send to a third party, a copy of your personal information in electronic form that you provided to the Company.
• object to the processing of your personal information: You have the right to object to the processing of your personal information based solely on the Company’s legitimate interests. If you do object in these circumstances, the processing of your personal information will be stopped unless there is an overriding, compelling reason to continue the processing or the processing is necessary to establish, pursue or defend legal

How to Exercise Your Privacy Rights

For DIFC, EU, UK, Hong Kong and Malaysia residents: you can exercise your rights by submitting a request to us at data.protection@bbrown.com or via mail to Brown & Brown, Europe 7^th Floor, Corn Exchange, 55 Mark Lane, London EC3R 7NE, United Kingdom. The Company will respond to such requests in accordance with applicable data protection law.

For Canada and Bermuda residents: to exercise your rights, please submit a request to us by visiting our online privacy rights portal and completing the request webform. Alternatively, you may call us at +1 (888) 914-9661 and enter the following PIN: 363 845 when prompted to do so. You will be asked to provide information necessary for us to process your request. The Company will respond to such requests in accordance with applicable data protection law.

Additional Information for Residents of Bermuda

If you reside in Bermuda: In addition to the rights described above, you also have the right to object to the processing of your personal information: (a) for purposes of direct marketing; or (b) where the processing causes or is likely to cause substantial damage or distress to you or others.

Additional Information for Individuals Whose Personal Information is Processed by Nexus Underwriting (DIFC), Ltd.

If Nexus Underwriting (DIFC), Ltd., processes your personal information, you may exercise the rights described above which apply to residents of the Dubai International Financial Centre.

Additional Information for Residents of Malaysia

If you reside in Malaysia: In addition to the rights described above, you also have the right to object to the processing of your personal information: (a) for purposes of direct marketing; or (b) where the processing causes or is likely to cause substantial damage or distress to you or others.

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11. Children

We do not knowingly collect personal information directly from children under the age of 13. Our Services are marketed towards adults who may provide us with personal information concerning their children under the age of 13 in connection with our services, for example, where a child under the age of 13 is named as a dependent or beneficiary on an insurance policy. If we are notified that we have collected the personal information of a child under the age of 13 directly from the child and without verifiable parental consent, we will delete the personal information from our files as expeditiously as possible.

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12. Contact Us

If you have any questions about this Statement or the rights conferred to you under the applicable data privacy law, please contact us at the Brown & Brown’s Global Privacy Office at privacy@bbins.com or at the following addresses/emails/telephone numbers:

• UK contact: Brown & Brown, Europe 7^th Floor, Corn Exchange, 55 Mark Lane, London EC3R 7NE, United Kingdom protection@bbrown.com.
• US contact: Brown & Brown, 300 N. Beach Street, Daytona Beach, Florida, 32114, United States privacy@bbins.com.
• Bermuda Data Protection Officer: If you reside in Bermuda and have questions concerning this Statement or regarding the handling of your personal information, you may contact Jennifer Masters, Privacy Officer for Beecher Carlson Insurance Services LLC., Beecher Carlson Bermuda, Maxwell Roberts Building, 1 Church Street, 7^th Floor,

P.O. Box 2461, Hamilton, HMJX Bermuda at jennifer.masters@bbrown.com or via telephone at 441-591-2501.

• Canada contact: If you reside in Canada and have questions concerning this Statement or regarding the handling of personal information, you may contact John Carlton, Customer Privacy Department, at jcarlton@bbrown.com.

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13. Changes to the Statement

We review this Statement regularly and may make changes at any time to take account of changes in our business activities, legal requirements, or the manner in which we process personal information. We will place updates on this website and where appropriate we will give reasonable notice of any changes. You should periodically review this Statement to ensure you understand how we collect and use your personal information.

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4895-9719-0342.1 / 074059-1026

Accepting our Terms of Business

Please read this document carefully. It sets out the terms and conditions on which we agree to act for you and contains details of our respective responsibilities. By asking us to quote for, arrange or handle your insurance, you are providing your informed agreement to these Terms of Business. This document will supersede any Terms of Business previously in force. Please contact us immediately if there is anything in these Terms of Business which you do not understand or with which you disagree.

References to "We" and "Us" means Brown & Brown Insurance Brokers (UK) Limited and our trading name(s) Jacksons

References to "You" means the insured and/or their appointed agent.

The Financial Conduct Authority

Brown & Brown Insurance Brokers (UK) Limited is authorised and regulated by the Financial Conduct Authority with FCA Register number 745618.

We are an Insurance Intermediary, and our permitted business is arranging, advising, dealing as agent, making arrangements, and assisting in the administration and performance of general insurance contracts and pure protection contracts. We are also authorised to undertake the following consumer credit activities: Credit Broking; Debt Administration; Debt Collecting. You can check this on the FCA’s register by visiting the FCA website https://register.fca.org.uk/ https://grpgroup.acturis.com or by contacting the FCA on 0800 111 6768.

Our Service

We offer a wide range of insurance products and have access to numerous insurers in the marketplace. When we arrange your insurance, we’ll inform you of the nature of the service we provide. This will be one of the following:

• a personal recommendation to buy a policy (or policies), on the basis of a fair and personal analysis of the market
• a personal recommendation to buy a policy (or policies) we select from one or more insurance undertakings (not on the basis of a fair and personal analysis of the market) in which case we will provide the names of those insurance undertakings
• information only about a policy from one or more insurance undertakings without giving you advice or a personal recommendation, in which case we will provide the names of those insurance undertakings

We are not under a contractual obligation to conduct insurance distribution exclusively with any insurers.

Unless we tell you otherwise, we act on your behalf in sourcing and placing and administering your insurance and in the event of claims.

Where we act on behalf of the insurer under a delegated authority agreement whereby, we are able to quote or issue policy documentation or settle claims or handle complaints on their behalf we will let you know in writing.

If we use the services of another intermediary to place your insurance, we will advise you of the name of the intermediary we used and the name of the ultimate insurer.

Requests for cover or changes to your insurance are not effective until they are confirmed by us.

Conflicts of Interest

We are part of Brown & Brown Insurance Brokers (UK) Limited which comprises a number of insurance intermediaries. You can find details of these at www.bbrown.com/eu. We may sometimes approach other Brown & Brown Europe companies to provide quotes and may recommend their products if they are assessed to meet your needs. We will tell you if this is the case. All Brown & Brown Europe firms involved in a placement may be remunerated.

No firms within Brown & Brown Europe have any direct or indirect shareholdings in any insurers.

It is our aim to avoid any potential or actual conflicts of interest in our dealing with you, if a conflict does arise, we will advise you of this in writing. This agreement will not prevent us from acting for other clients who may be competitors of yours. In the event that we identify such a conflict of interest in our providing any services to you we will notify you as soon as reasonably practicable and where we are able to do so, agree how to continue to provide the services.

Nothing in this agreement overrides or discharges our duty to place your interests before all other considerations nor shall this agreement override any legal or regulatory requirements which may apply to us prevailing from time to time regarding your insurance or reinsurance business or the handling of claims.

Complaints

It is our policy to promote the highest standard of service for our clients. We endeavour to ensure that all complaints are resolved satisfactorily and in a timely manner. If you have a complaint about our services, you may contact the member of our staff with whom you normally deal. Alternatively, please contact us at the address below:

Kari Clarke, Higos Insurance Services, 7 Cary Court,Somerton Business Park, Somerton Somerset TA11 6SB Tel: 01458 675 510 Email: kari.clarke@higos.co.uk

You may make your complaint either orally or in writing. We will acknowledge receipt of your complaint promptly in writing and give you our response at the time if we can. If following receipt of our final response or after eight weeks if we have not yet provided you with our final response, if you are an eligible complainant, you have the right to refer your complaint to the Financial Ombudsman Service (FOS) at Exchange Tower, London. E14 9SR Tel: 0800 023 4567. Further information is available on their website (www.financial-ombudsman.org.uk).

Who is an Eligible Complainant?

• Any private individual
• A micro-enterprise which employs fewer than 10 persons and has a turnover or annual balance sheet that does not exceed €2 million.
• A small business which has an annual turnover of less than £6.5 million and employs fewer than 50 employees or has a balance sheet total of less than £5 million
• A charity which has an annual income of less than £6.5 million
• A trustee of a trust which has a net asset value of less than £5 million
• An individual who has given a guarantee or security in respect of an obligation or liability of a small business

If your policy is placed with a Lloyd’s Syndicate and you wish to ask Lloyd’s to investigate your complaint you may do so by contacting: Complaints Team at Lloyd’s, Fidentia House, Walter Burke Way, Chatham Maritime, Chatham, Kent ME4 4RN; complaints@lloyds.com; 020 7327 5693; www.lloyds.com/complaints 

Compensation

We are covered by the Financial Services Compensation Scheme (FSCS). You may be entitled to compensation from the scheme if we cannot meet our obligations. Insurance advising and arranging is covered by the FSCS for 100% of your claim if it relates to compulsory insurance. For other cases, it is covered for 90% of the claim, with no upper limit. The FSCS does not cover reinsurance, marine, aviation or transport business or credit insurance.

Further information about compensation scheme arrangements is available from the FSCS, via their website, www.fscs.org.uk or calling them on 0800 678 1100.

Our Remuneration

We usually receive a commission from the insurer which is expressed as a percentage of the annual premium you pay. Commission will be taken by us on receipt of cleared funds from you or when the insurer has received the cleared funds from us depending on the arrangement in place with each insurer.

We also usually charge you a standard administration fee when taking out a policy with us, on mid-term adjustments and policy cancellations. Where we charge administration fees full details will be advised to you prior to inception of your policy.

We may also charge you other fees in place of, or in addition to, the commission we earn from insurers. We will advise you of any such fees before you take the policy out. If we receive such fees and commission from insurers, this will be confirmed in writing to you before you take the policy out.

Additionally, we also receive remuneration in certain circumstances as set out below:

• Some insurers may make additional payments to us for work we undertake on their behalf.
• Brown & Brown Europe may receive a payment from certain insurers based on meeting agreed criteria across Brown & Brown Europe. We may receive a proportion of any such payment
• Brown & Brown Europe may sometimes be paid Fees for Services. This is a payment made by an insurer in return for the provision of services over and above those covered by the commission paid.
• Brown & Brown Europe may sometimes be paid Insurance Service Brokerage (ISB). This is a payment made by an insurer in return for the provision of services to support the development and administration of the insurer’s insurance business where no commission is paid.
• Where you pay your premiums by monthly instalments, we receive a payment from the finance provider for introducing you, which is usually a percentage of the amount financed. Whilst we may recommend a provider to you, you remain free to make your own choice of premium finance provider.
• Where you purchase non-insurance products from us, we may earn a fee from the supplier which is usually a percentage of the purchase price.

Where you agree to utilise the services of a third party provider (e.g. replacement vehicle) we may earn a fee from that provider

You can ask us at any time for full details of the income earned by us in handling your insurance.

Credit Searches

Credit searches may be undertaken in connection with the provision of your insurance for example by Insurers when providing a quote and premium finance providers when seeking payment via direct debit. Any such credit search will appear on your credit report whether or not you take out or renew a contract with them.

Handling Money – Non-Statutory Trust

Client money is money of any currency that we receive and hold on behalf of our clients in the course of carrying on business as an insurance intermediary, or money that we treat as client money in accordance with the FCA Client Money Rules. We may also hold premiums, premium refunds and claims as agent of the insurance undertaking, in which case any money received by us is deemed to have been received by the insurance undertaking.

We hold client money in either a non-statutory trust account or in permitted designated investments with a value at least equivalent to the money that would otherwise have been paid into the non-statutory trust account. Where we hold money in permitted designated investments, we will be responsible for meeting any shortfall in our client money resource attributable to falls in the market value of the designated investments. We will retain any interest and investment income earned on the client money we hold. We may extend credit to other customers using client money from this account. We will take any commission owed to us upon receipt of the premium.

We may transfer client money to another person, such as another broker or settlement agent for the purpose of effecting a transaction on your behalf through that person. If the third party is outside the UK, the legal and regulatory regime may differ, and you may notify us if you do want your money passed to person in a particular territory. We may also as part of a transfer of business or other group reorganisation transfer client money to another broker in Brown & Brown Europe so to ensure the most appropriate arrangements for your client money. We will only make such a transfer where the other company in Brown & Brown Europe has an equally robust client money environment. At the point of transfer of the client money environment, the fiduciary duties relating to client money will also pass to the other company in Brown & Brown Europe. By paying your premiums you are agreeing to us holding client money in the above manner.

Payment of Premiums

You must pay your premiums on or prior to inception of the policy or within the timescale specified in the debit note we send you. Failure to pay premiums by the date specified may lead to cancellation of your insurances by insurers. In addition, where a premium payment warranty applies failure to pay the premiums in accordance with the warranty will result in the automatic suspension of your policies until payment is made even if the insurer chooses not to issue notice of cancellation of your insurances. The insurer will not be liable for any loss suffered during any period of suspension.

You may be able to spread your payment using a premium finance scheme through the relevant insurer or we can introduce you to a third party premium finance provider. Please note that credit is subject to status and is not guaranteed. A variable charge may apply for this and details will be provided before you make a decision to proceed with cover. You should refer to your credit agreement for full conditions, charges, and consequences of default.

We will always contact you in good time before renewal to provide renewal terms. It is important that if you do not wish to renew that you inform us as soon as possible. When the payment for the contract you have undertaken is by instalments (e.g. by direct debit), some policies may be renewed automatically if you have not contacted us to confirm that you no longer require such insurance.

Market security

We check the financial strength ratings of the insurers with whom we place your business using specialist rating agencies. We do not assess or guarantee the solvency of any insurer at any time during the contract period. If an insurer who has granted risk transfer to us becomes insolvent, any related premiums we hold for that insurer are deemed to have been paid to them and will not be returnable to you. In the event of any insurer’s insolvency, you may still have a liability to pay the premium. We do not accept any liability for any unpaid amounts in respect of claims or return premiums due to you from a participating insurer who becomes insolvent or delays settlement. You will also additionally have the responsibility for payment of premiums if you require replacement security.

Financial Crime

We may ask you for evidence of your identity at the start of our business relationship. In the absence of such evidence, we may be unable to act for you. This is to help us to meet our obligations under anti-money laundering regulations. We observe sanctions legislation in the territories in which we operate. We will use information about you and others named on your policy to check information against UK and other sanction lists. We comply with all applicable laws, regulations, codes, and sanctions relating to anti-bribery and anti-corruption including but not limited to the Bribery Act 2010 and shall not engage in any activity, practice, or conduct which would constitute an offence.

Your Responsibilities

It is your responsibility to ensure that any proposal forms or any other applications that we complete on your behalf are accurate and complete. You must also review confirmation of cover/policy documents supplied by us to you to ensure that they accurately reflect your requirements. If we have provided your documents electronically you can ask us for a paper copy. Particular attention should be paid to policy conditions, claims conditions and/or warranties (if applicable) as failure to comply may reduce or invalidate your cover. Should there be any discrepancies, you must notify us immediately.

 

It is your responsibility to ensure that all sums insured, and policy limits are adequate. Whilst we seek to assist in establishing and maintaining insured values and indemnity limits, we cannot accept responsibility for their accuracy.

Duty of Disclosure - Consumers

If you are a consumer insured (an individual buying insurance wholly or mainly for purposes unrelated to your trade, business, or profession) you have a duty to take reasonable care to answer the insurer’s questions fully and accurately and to ensure that any information that you volunteer is not misleading.

This duty exists before your cover is placed, when it is renewed and any time that it is varied, and your policy wording may provide that it continues for the duration of the policy. If you do not do this, your insurer may be able to impose different terms on your cover, may charge you a higher premium or, in some circumstances, may be able to avoid your policy from inception and any claims under it would not be paid.

Fair Presentation – Commercial Customers

If you are a business insured (i.e. an insured who has bought insurance wholly or mainly for purposes related to their trade, business, or profession) the business has a duty to make a fair presentation of the risk to the insurer. This entails disclosing to the insurer every material circumstance which you know or ought to know. You should conduct a reasonable search to ascertain all material facts within your organisation, making enquiries of senior management and other relevant individuals where necessary.

You must make accessible to us members of your senior management (or the most appropriate persons) to provide accurate, complete, and timely information to enable us to fulfil our obligations to make a fair presentation of your risk to insurers.

The disclosure should be made in a clear and accessible way.

This duty to make a fair presentation applies before your cover is placed, when it is renewed and any time that it is varied. Your policy wording may also provide that this duty continues for the duration of the policy.

A circumstance is material if it would influence an insurer’s judgment in determining whether to accept the risk, or the terms of the insurance (including premium). If you are in any doubt whether a circumstance is material, we recommend that it should be disclosed.

Failure to disclose a material circumstance may entitle an insurer to impose different terms on your cover or proportionately reduce the amount of any claim payable. In some circumstances an insurer will be entitled to avoid the policy from inception and in this event any claims under the policy would not be paid.

Failure to Disclose a Material Fact

Insurers have differing remedies depending upon the nature of the non-disclosure and what would have happened had you fairly presented the risk:

Deliberate or reckless presentation of the risk: Insurers are entitled to avoid the policy and retain all premiums

Failure to present the risk fairly but this was not deliberate or reckless: This depends on how the insurers would have dealt with the policy had the risk been fairly presented. If they can demonstrate that they would have not provided the policy, they are entitled to avoid the policy and no claims would be payable. You would be entitled to a refund of the premium. If insurers would have provided the policy but on different terms, those terms will be applied to the policy from inception. If insurers would have provided the policy and charged an increased premium, claim settlements could be reduced by the proportion of the increased premium.

Warranties and Conditions Precedent

A warranty is a term in an insurance contract which must be strictly complied with. In the event that a warranty is breached, the insurer’s liability may be suspended until the breach is rectified. Cover is reinstated once the breach is rectified, however, insurers may have no liability to pay losses occurring or attributable to something happening during any such period of suspension.

Where a warranty or other term has been breached insurers may still be liable to pay claims occurring during the breach period, provided the insured can prove that the breach did not increase the risk of the loss which actually occurred, and the provision breached does not define the risk as a whole.

Please also take particular note of any conditions precedent that appear in the policy. If a condition precedent to the validity of the policy or to the commencement of the risk is not complied with, the insurer will not come on risk. If a condition precedent to the Insurer’s liability under this policy is not complied with, the insurer may not be liable for the loss in question. A condition precedent may exist in the policy using other terminology and without reference to the words ‘conditions precedent’.

It is very important that you read the full policy carefully and, if you are unsure of, or are unable to comply with, any provisions, please contact us immediately.

Fraud

Insurers will be entitled to terminate the policy from the date of the fraudulent claim or act, but must still cover claims arising from incidents occurring before the fraudulent act.

Contracting Out

Insurers may contract out of certain clauses of the Insurance Act 2015 (other than basis of contract clauses). We will advise you where they have contracted out of any clauses.

Use of Personal Data

We are committed to protecting your personal information. We will use personal information about you fairly and lawfully, primarily in connection with the provision of insurance. Full details can be found in our Privacy Notice at http://www.bbeurope.com/privacy which specifies the information we may collect on you and from whom, how and why we use this information, how we may share (including with other companies in Brown & Brown Europe) and disclose the information and the retention of your data. In some instances, we may need to seek your consent before processing such data. We will always make it clear to you when and why we are seeking your consent. A hard copy of the Privacy Notice is available on request. 

If you already hold a policy with us and have not chosen to opt out of e-marketing, then you will be on our e-marketing list. You can choose to opt out at any time by contacting us to update your marketing preferences. Additionally, any e-marketing that you receive from us will include a clear opt out option.

You have a number of rights (including the right of access to see personal information about you that is held in our records) and these are detailed in the Privacy Policy, but for any questions or concerns relating to the Privacy Policy or our data protection practices, or to make a subject access request, please contact us at:

Brown & Brown Insurance Brokers (UK) Limited – Company Secretary, 7^th Floor, 55 Mark Lane, London EC3R 7NE.

We are registered with the Information Commissioner’s Office (ICO) – you can check this at www.ico.org.uk.

Instructions to incept or renew a policy can only be taken for the policyholder. If you wish to nominate someone to give instructions on your behalf in respect of mid-term adjustments to an existing policy – we require prior notice in writing.

For security, training and audit purposes calls to and from our offices may be recorded.

Cancellation and Transfer of Policies

We will advise you whether you have the right to cancel the policy and the conditions for exercising these rights prior to conclusion of any insurance policy. Full details of cancellation rights, notice periods and premium implications can be found in your policy document. Notice of cancellation of any statutory cover for which a certificate has been delivered must be in accordance with the conditions stated in your policy document.

The services that we provide in return for commission are not diminished in the event that a policy is cancelled. Where a policy is declared void by the insurer or cancelled by either party, other than during any cooling off period, we will retain any fees and commission for the full policy period. If we cancel a policy due to non-payment, we reserve the right to recover any discounts allowed by us during the term of your policy after cancellation.

Should you transfer your policy to the control of another broker during the currency of the policy, we will retain and/or be entitled to demand any commission and/or fees charged/chargeable for the full policy period.

Should you transfer your policy to us from the control of another broker during the currency of the policy, we will not be responsible for the payment of any outstanding premium due to an insurer prior to a policy transfer to us. Furthermore, we will not be responsible for any shortfall in any return premium due to you for transactions processed by another prior to a policy transfer to us.

When we are appointed to administer policies other than at their inception or renewal and which were originally arranged via another party, we shall not be liable during the current insurance period for any loss arising from any errors or omissions or gaps in the insurance cover or advice not supplied by us. If you have any concerns in respect of a policy which has been transferred to us, you should immediately notify us.

Claims

In the event of an incident occurring which could give rise to a claim under your policy, you should notify us as soon as possible in accordance with your policy conditions. Failure to do so could prejudice your insurer’s position and lead to the claim being repudiated or not paid in full. When we receive notification of an incident that could give rise to a claim, we will respond promptly, explain how we will handle your claim and tell you what you need to do. We will give you reasonable guidance to help you make a claim under your policy.

We reserve the right to charge a fee for our services if you cease to be our client but wish us to handle claims on your behalf and we agree to do so.

You should be aware that insurers exchange information through various databases to help check the information provided and prevent fraudulent claims, in particular, the Motor Insurers’ Bureau (MIB) which hosts the Claims Underwriting Exchange (CUE) and the Motor Insurance Anti-Fraud and Theft Register (MIAFTR). CUE holds records on claims, whereas MIAFTR holds records on vehicles that have been written off. 

Our Liability to you

Unless we have otherwise agreed with you in writing, we shall treat your instructions to us to place or renew your insurances as acceptance of the limitation of our liability to you, and/or to any other person with an interest in your insurances. Our entire liability in contract, tort (including without limitation negligence) or otherwise will be strictly limited to £10million in respect of all aggregated claims brought by you in respect of the services provided by us, save that the following is wholly excluded:

• loss of profits;
• loss of sale or business;
• loss of agreements or contracts;
• loss of anticipated savings;
• loss of use or corruption of software, data, or information;
• loss of or damage to goodwill; and/or
• indirect or consequential loss.

Our limit of liability detailed above relates to all and any claims brought against us, save for those claims made related to the following:

• resulting from our breach of the FCA’s rules; or
• resulting from our fraudulent acts or any of our acts which are deliberately contrary to our agreement with you; or
• in relation to any liability for death or personal injury resulting from our negligence; or
• in relation to any liability which cannot lawfully be excluded or limited

Governing law and language

The relationship between us as broker and you as customer is governed by English Law. If there is a dispute which cannot be resolved under our complaints procedure, it will only be dealt with in the courts of England and Wales.

These terms of business are supplied only in the English language and all communications for the duration of our appointment will be in the English language unless, if you are a customer in a European Economic Area state other than the United Kingdom, you require otherwise.

Severability

If any provision of these Terms of Business is found to be invalid or unenforceable in whole or in part, the validity of the other provisions of these Terms of Business and the remainder of the provision in question will not be affected

Rights of third parties

No provision of these Terms of Business will be enforceable, by virtue of the Contracts (Rights of Third Parties) Act 1999, by any person other than you or us.

Termination of the Agreement

This agreement may be terminated at any time by mutual consent or by the other party giving 14 days’ notice in writing.

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PLEASE READ THE TERMS AND CONDITIONS CAREFULLY BEFORE USING THIS SITE

Terms of website use

This terms of use (together with the documents referred to in it) tells you the terms of use on which you may make use of our website jacksonsgroup.co.uk (our site), whether as a guest or a registered user. Use of our site includes accessing, browsing, or registering to use our site.

Please read these terms of use carefully before you start to use our site, as these will apply to your use of our site. We recommend that you print a copy of this for future reference.

By using our site, you confirm that you accept these terms of use and that you agree to comply with them.

If you do not agree to these terms of use, you must not use our site.

Information about us

jacksonsgroup.co.uk is a site operated by Brown & Brown Insurance Brokers (UK) Limited ("We"). We are registered in England and Wales under company number 2667978. Registered Office: 7^th Floor, Corn Exchange, 55 Mark Lane, London, EC3R 7NE. Our main trading address is 7 Cary Court, Somerton Business Park, Bancombe Road, Somerton, Somerset, TA11 6SB. We are authorised and regulated by the Financial Conduct Authority.

Changes to these terms

We may revise these terms of use at any time by amending this page.

Please read these terms of use carefully before you start to use our site, as these will apply to your use of our site. We recommend that you print a copy of this for future reference.

Changes to our site

We may update our site from time to time, and may change the content at any time. However, please note that any of the content on our site may be out of date at any given time, and we are under no obligation to update this website. We do not guarantee that our site, or any content on it, will be free from errors or omissions.

Accessing our site

Our site is made available free of charge.

We do not guarantee that our site, or any content on it, will always be available or be uninterrupted. Access to our site is permitted on a temporary basis. We may suspend, withdraw, discontinue or change all or any part of our site without notice. We will not be liable to you if for any reason our site is unavailable at any time or for any period.

You are responsible for making all arrangements necessary for you to have access to our site.

You are also responsible for ensuring that all persons who access our site through your internet connection are aware of these terms of use and other applicable terms and conditions, and that they comply with them.

Intellectual property rights

We are the owner or the licensee of all intellectual property rights in our site, and in the material published on it. Those works are protected by copyright laws and treaties around the world. All such rights are reserved. You may print off one copy, and may download extracts, of any page(s) from our site for your personal use and you may draw the attention of others within your organisation to content posted on our site.

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.

Our status (and that of any identified contributors) as the authors of content on our site must always be acknowledged. You must not use any part of the content on our site for commercial purposes without obtaining a license to do so from us or our licensors.

If you print off, copy or download any part of our site in breach of these terms of use, your right to use our site will cease immediately and you must, at our option, return or destroy any copies of the materials you have made.

No reliance on information

The content on our site is provided for general information only. It is not intended to amount to advice on which you should rely. You must obtain professional or specialist advice before taking, or refraining from, any action on the basis of the content on our site.

Although we make reasonable efforts to update the information on our site, we make no representations, warranties or guarantees, whether express or implied, that the content on our site is accurate, complete or up-to-date.

Limitation of our liability

Nothing in these terms of use excludes or limits our liability for death or personal injury arising from our negligence, or our fraud or fraudulent misrepresentation, or any other liability that cannot be excluded or limited by English law.

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

If you are a business user, please note that in particular, we will not be liable for:

• loss of profits, sales, business, or revenue;
• business interruption;
• loss of anticipated savings;
• loss of business opportunity, goodwill or reputation; or
• any indirect or consequential loss or damage.

If you are a consumer user, please note that we only provide our site for domestic and private use. You agree not to use our site for any commercial or business purposes, and we have no liability to you for any loss of profit, loss of business, business interruption, or loss of business opportunity.

We will not be liable for any loss or damage caused by a virus, distributed denial-of-service attack, 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 content on it, or on any website linked to it.

We assume no responsibility for the content of websites linked on our site. Such links should not be interpreted as endorsement by us of those linked websites. We will not be liable for any loss or damage that may arise from your use of them.

Viruses

We do not guarantee that our site will be secure or free from bugs or viruses. You are responsible for configuring your information technology, computer programmes and platform in order to access our site. You should use your own virus protection software.

You must not misuse our 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 our site, the server on which our site is stored or any server, computer or database connected to our site. You must not attack our site via a denial-of-service attack or a distributed denial-of service attack. 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 our site will cease immediately.

Linking to our site

You may link to our home page, provided you do so in a way that is fair and legal and does not damage our reputation or take advantage of it. 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 to our site in 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. If you wish to make any use of content on our site other than that set out above, please contact a member of our management team.

Third party links and resources in 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.

Applicable law

If you are a consumer, please note that these terms of use, its subject matter and its formation, are governed by English law. You and we both agree to that the courts of England and Wales will have exclusive jurisdiction. However, if you are a resident of Northern Ireland you may also bring proceedings in Northern Ireland, and if you are resident of Scotland, you may also bring proceedings in Scotland.

If you are a business, these terms of use, its subject matter and its formation (and any non-contractual disputes or claims) are governed by English law. We both agree to the exclusive jurisdiction of the courts of England and Wales.

Contact us

To contact us, please email smoses@jacksonsgroup.co.uk

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