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Fastflow Privacy and Cookies Policy

IMPORTANT NOTICE:

Any personal information provided to or gathered through the Fastflow site and system ("Fastflow") is controlled by QBE Management Services (UK) Limited, QBE UK Limited and/or QBE Underwriting Limited (each and all "QBE", "we", "us" or "our").

The above companies and other companies within the QBE group are authorised and regulated by either or both of the Financial Conduct Authority ("FCA"; www.fca.org.uk ) and the Prudential Regulation Authority ("PRA"; www.bankofengland.co.uk/pra) in the United Kingdom. For further information on our regulatory status please see www.qbeeurope.com/legal/regulatory.asp.

What information do we collect and process?

We may collect and process the following:

  • Information you provide in answering questions on the Site, which may include personal data of your clients and customers (the "Insured") and your personal data;
  • Contact information previously provided which may include first and last names, email addresses and contact telephone numbers of: your partners, employees, agents, contractors, and the Insured.
  • How is this information used?

    Information provided by you will only be used by QBE for the following purposes:

  • To enable QBE to provide you with appropriate information and documentation in respect of products about which you enquire;
  • To assist QBE in understanding your requirements and those of the Insured and to enable us to make more informed underwriting decisions.
  • Contact information will only be used in connection with Fastflow:

  • For the purposes of managing your access to and use of Fastflow;
  • To provide you with information, products or services in connection with or similar to those ordered by you.
  • We may also use your contact information to provide you with information about our services, forums and seminars which we think may be of interest to you and we may contact you about these by post or telephone or by email if you have previously consented to this or it relates to policies previously purchased by you or the Insured.

    If you wish to stop receiving such information or to cease using Fastflow at any time, please contact us here.

    Security

    We take privacy seriously and have systems in place to ensure the security and accuracy of any personal information we collect. All information you provide to us is stored on secure servers hosted by a third party provider on our behalf.

    Where we have given you (or where you or your employees (or equivalent) have chosen) log-in details and/or passwords, you are responsible for ensuring that they are kept confidential. You are not permitted to share log-in details or passwords with anyone outside your organisation and you must ensure that your employees (or equivalent) do not do so. You must ensure that if any individual with access to log-in details or passwords leaves your employment or ceases to be authorised to use Fastflow, that individual returns all records of log-in details and passwords and does not attempt to use them again.

    We restrict access to your information as appropriate within QBE to those who need to know that information for the purposes set out above.

    Who do we disclose information to?

    We may disclose your personal information to any member of our group, which means our subsidiaries, our ultimate holding company and its subsidiaries (as defined in section 1159 of the UK Companies Act 2006) (some of which are outside the European Economic Area in countries which do not have laws protecting the use of personal information). Details of companies within the QBE European Operations group and their locations can be found on our website at www.qbeeurope.com/contact/western-europe.asp.

    We will only disclose your personal information and that of the Insured to third parties:

  • If we have obtained your consent or it is for the purposes of a contract you have entered into or wish to enter into;
  • If we are under a duty to disclose or share your personal data in order to comply with any legal obligation (this includes exchanging information with other companies and organisations for the purposes of fraud protection and credit risk reduction);
  • Which provide a service to QBE (e.g. outsourced IT providers);
  • If we sell or buy any business or assets, in which case we may disclose your personal data to the prospective seller or buyer of such business.
  • Where we transfer personal information to service providers or other members of our group, we will only allow your personal information to be used for the purposes set out above and we will ensure that it is secure and protected from unauthorised access.

    This Privacy and Cookies Policy does not cover links to third party websites accessed from this site.

    Cookies

    Cookies are small text files that are placed on your computer when you visit certain webpages. They are widely used in order to make websites work, or work more efficiently, as well as to provide information to the owners of the site. You can set your browser not to accept cookies. However, you will not be able to use Fastflow if these settings have been adopted. For further information about cookies and how to manage your browser settings visit www.allaboutcookies.org.

    Your rights

    You have the right to request a copy of the personal information which we hold about you. If you would like a copy of some or all of your information, please contact us here. Please contact us if any information changes or if you believe that any of the details which we hold are incorrect. You have the right to ask us not to process your personal data for marketing purposes. We will usually inform you (before collecting your data) if we intend to use your data for such purposes or if we intend to disclose your information to any third party for such purposes. You can exercise your right to prevent such processing by checking certain boxes on the forms we use to collect your data. You can also exercise the right at any time by contacting us at the address set out below.

    Changes to our privacy policy

    We may revise this privacy policy from time to time and will place any updates on this webpage.

    Contact

    If you have any issues with our processing of your personal information via this website or wish to discuss the information we hold about you please contact us at:

    Fastflow

    QBE European Operations

    Plantation Place

    30 Fenchurch Street

    London

    EC3M 3BD

    United Kingdom

    Fastflow Website Terms & Conditions

    IMPORTANT NOTICE:

    This Site is only for the use of entities acting in the capacity of insurance brokers ("Brokers") who: (1) have entered into a Terms of Business Agreement with QBE (a "TOBA") pursuant to which business is conducted with QBE; and (2) have been issued password and log-in details for this Site. Use of this Site by any other entity is not permitted.

    If you have accessed this Site without satisfying the above requirements, please withdraw from this Site immediately. Any further use by you of this Site shall not create any binding obligation on QBE and you shall be responsible for all consequences of such use.

    These are the terms and conditions which apply to your use of this Site (the "Terms") and are for the protection of both us and you. Please take the time to read these Terms carefully and, if you have any questions or issues, please contact us using the details in the 'Contacting Us' section below. You acknowledge that you are required to act in accordance with the TOBA. These Terms shall be read in conjunction with and not as an amendment to the TOBA. By accessing any part of this Site, you agree to be bound by these Terms and to comply with them. If you do not agree to these Terms, please do not use this Site.

    1. Website Details

      This Site (referred to as the "Site") is provided and owned by QBE Management Services (UK) Limited, a member of QBE European Operations. Wherever the expressions "QBE", "we", "us" or "our" appear within the pages of this Site, they refer (as applicable) to one or more entities forming part of QBE European Operations, a division of the QBE Insurance Group (as further detailed in the Regulatory Statement available on this Site).
    2. Our Details

      We are registered in England and Wales with company number: 03153567 and have our registered office at: Plantation Place, 30 Fenchurch Street, London, EC3M 3BD, United Kingdom. Certain companies within QBE European Operations are authorised and regulated by either or both of the Financial Conduct Authority ("FCA"; www.fca.org.uk ) and the Prudential Regulation Authority ("PRA"; www.bankofengland.co.uk/pra) in the United Kingdom. For further information on our regulatory status please see www.qbeeurope.com/legal/regulatory.asp. Our VAT number is GB524723652. Companies within QBE European Operations are members of various industry organisations including the Association of British Insurers, the International Underwriting Association and the Lloyd's Market Association. A full list of these organisations can be obtained by contacting us using the details in the 'Contacting Us' section below.
    3. Use of this Site

      1. This Site is for use only by those persons who access it from within Europe ("you" or "your"). If this does not apply to you, please withdraw from using this Site.
      2. Any log-ins and passwords which have been provided to you must be kept confidential and must not be disclosed to any third party. We have the right to disable any log-in or password, whether chosen by you or allocated by us, at any time, if in our opinion you have failed to comply with any of the Terms.
      3. You are responsible for making all arrangements necessary to access the Site and for ensuring that all persons who access the Site through your internet connection are aware of these Terms and comply with them.
      4. We grant you a non-exclusive, non-transferable licence to use this Site in the normal course of your business only for the purposes of: (a) requesting and obtaining access to information about our products (including quotations); (b) placing orders for our products on behalf of your clients and customers (the "Insured"); (c) obtaining current details of our products purchased by the Insured; and (d) instructing the amendment of your details or those of the Insured electronically (including mid-term adjustments, cancellations and renewals).
      5. You must not use the Site for any immoral, illegal or other purpose which may be determined threatening, abusive or harmful or engage in any other conduct which might damage the Site, components thereof, or other property owned by or licensed to us or any third party, or otherwise cause any liability or loss to QBE or any third party. In particular, you are prohibited from uploading to the Site any material:
        1. that is threatening, defamatory, obscene, indecent, seditious, offensive, pornographic, abusive, liable to incite racial hatred, discriminatory, menacing, scandalous, inflammatory, blasphemous, in breach of confidence, in breach of privacy or which may cause annoyance or inconvenience; or
        2. for which you have not obtained all necessary licences and/or approvals; or
        3. which constitutes or encourages conduct that would be considered a criminal offence, give rise to civil liability, or otherwise be contrary to the law of or infringe the rights of any third party, in any country in the world; or
        4. which is technically harmful (including, without limitation, computer viruses, logic bombs, trojan horses, worms, harmful components, corrupted data or other malicious software or harmful data).
      6. You hereby warrant and accept full liability for the completeness and accuracy of any information inputted into the Site under your user name and any communication with us under your user name in connection with the Site. We shall not be obliged to verify the completeness or accuracy of any such information (although we reserve the right to do so) and may treat all instructions received under your user name as valid (provided that we are not guilty of negligence, fraud or wilful default in treating them as valid instructions).
      7. If you receive any communication or confirmation from us in respect of this Site or business placed under it which does not accurately reflect business placed by you (or which relates to business not placed by you), then you shall notify us as soon as possible, giving full details of the issue. If you fail so to notify us, you shall be deemed to accept the terms of the communication or confirmation as sent to you by us.
      8. Any insurance business effected through this Site will be subject to the relevant product policy terms and conditions. It is your responsibility (as agent for the Insured) and that of the Insured to check the relevant policy conditions carefully.
    4. Ownership and Use of Content on this Site

      1. All content on or provided through this Site (but excluding content uploaded by you), including questionnaires, feedback provided by QBE, text, data, charts, tables, software, video, music, sound, graphics, photographs, illustrations, artwork and other materials, and all rights in such content belong to us or our licensors (the "Content").
      2. You may retrieve and display the Content from this Site on a computer screen, print individual pages on paper and store such pages in electronic form on disk for the purpose only of informing you and your organisation of the products and services offered by us. Our status as the authors of the Content must always be acknowledged. Content may not be commercially exploited or copied, reproduced, republished, downloaded, posted, broadcast or transmitted in any other way. If you would like to use the Content for another purpose, please contact us using the details in the 'Contacting Us' section below.
    5. Disclaimers

      Although all reasonable steps are taken to ensure that the Content of this Site and all Content provided through it or in connection with it is current and accurate at the time of publication and that the server that makes this Site available is virus and bug free, this Site and its Content are provided strictly on an "AS IS" and "IF AVAILABLE" basis. Any materials provided to you through this Site or in connection with business transacted through it are subject to the disclaimers set out in such documents, in addition to these Terms and the TOBA. The Content is not intended to be used or considered as an offer to provide any other services or products, nor is it intended to constitute any financial or professional advice tailored to your circumstances. The information provided through this Site is not intended for distribution to, or use by, any person or entity in any jurisdiction in any country where such distribution or use would be contrary to law or regulation or which would subject us to any registration requirement within such jurisdiction or country. Where any information provided on or through this Site constitutes a financial promotion it is issued and approved for distribution and use in the UK only. Should you wish to be provided with full details of all our products and policies (e.g. aspects of cover and exclusions or limitations that may apply), these are available on request. Please contact us using the details in the 'Contacting Us' section below. Accordingly, to the extent permitted by law, we expressly disclaim and exclude all warranties, conditions, representations and terms, whether express or implied by statute, common law or otherwise, with respect to this Site and the Content, including as to the accuracy or completeness of this Site and the Content, as to its suitability and general availability, or whether it is free from error or viruses. We shall have no liability to you for any service interruptions, delays, non-deliveries, mis-deliveries, or inability otherwise to access or use the Site. We have the right to suspend access to this Site at any time temporarily or permanently and without notice. We make no warranty regarding our ability to recover and shall not be liable to you for any lost data, files, or other information inputted by you, regardless of how or why such data is lost. To the extent permitted by law, we shall not be liable to any person or organisation for any direct, indirect, special, incidental or consequential damages, whether in contract, tort (including negligence) or otherwise, arising in any way from or in connection with the use of this Site and/or the Content. This includes, without limitation, liability for any act or omission in reliance on the information provided through this Site or any linked third party site. This does not affect our liability for death or personal injury arising from our negligence or in the case of fraud or fraudulent misrepresentation or any other liability which cannot be excluded or limited under applicable law.
    6. Indemnity

      You shall indemnify us, defend us, and hold us (and our shareholders, affiliates, employees, agents, successors, officers, and assigns) harmless from and against any suits, losses, claims, demands, liabilities, costs and expenses (including legal and accounting fees) sustained or incurred arising from
      1. your use of this Site or any business transacted in connection with this Site,
      2. your failure to comply with any applicable laws and regulations or to obtain any necessary licences or approvals,
      3. your use of the content available on this Site in any way contrary to these Terms or other applicable terms agreed between you and us,
      4. your breach of any of your representations, warranties or obligations set forth in these Terms,
      5. alleged errors or omissions or misrepresentations in the information provided by you or through use of your log-in and/or password in connection with the Site. You agree not to settle any action, claim or demand on our behalf without our prior written consent. We shall have the right to conduct any litigation, with counsel of our choice, at your expense.
    7. Third Party Links

      We are not responsible for the availability or content of any third party websites or material you access through this Site.
    8. Trade marks

      The trade marks, service marks and logos used and displayed on this Site ("Trade Marks") are registered or unregistered trade marks of ours or our licensors. Nothing on this Site should be construed as granting, by implication or otherwise, any licence or right to use any Trade Mark without written permission from us. Our name may not be used in any way, including in advertising or publicity pertaining to distribution of content without our prior written consent.
    9. Changes to the Terms

      We reserve the right, at our discretion, to make changes to any parts of this Site or these Terms. When these Terms are amended, we shall publish details of the amendments on this Site. You are expected to check this page from time to time to take notice of any changes we make, as they are binding on you. Your continued use of this Site is taken as your agreement to be bound by these Terms as amended.
    10. Severability

      If these Terms or any part of them should be determined to be illegal, invalid or otherwise unenforceable under the laws of any state or country in which these Terms are intended to be effective, then to the extent that they are so illegal, invalid or unenforceable, they shall in that state or country be treated as severed and deleted from these Terms and the remaining Terms shall survive and remain in full force and effect and continue to be binding and enforceable in that state or country. If these Terms or any part of them should be determined to be illegal, invalid or otherwise unenforceable under the laws of any state or country in which these Terms are intended to be effective, then to the extent that they are so illegal, invalid or unenforceable, they shall in that state or country be treated as severed and deleted from these Terms and the remaining Terms shall survive and remain in full force and effect and continue to be binding and enforceable in that state or country.
    11. Governing Law

      Access to and use of this Site, these Terms and any dispute or claim arising out of or in connection with them or their subject matter or formation (including non-contractual disputes or claims) is governed by English law. It is a condition of your access and use that in the event of a dispute, the relevant parties shall irrevocably submit to the exclusive jurisdiction of the English courts.
    12. Contacting us

      If you have any questions or comments in respect the service provided by us, or wish to advise us of any errors in the information you have been provided, please contact us here.