Effective Date: 14/05/2025

These Terms and Conditions (“Terms”) govern your use of the services, products, and website (the “Site”) provided by Protectif (“we”, “us”, “our”). By accessing and using our Site and services, you agree to comply with these Terms and all applicable laws and regulations. If you do not agree with these Terms, please do not use our Site.

1. General Information
Protectif is a trading name of Travel Insurance Facilities Plc, registered in the United Kingdom, and is authorised and regulated by the Financial Conduct Authority (FCA) under FRN 306537.

Contact Information:
Email: enquiries@protectif.co.uk
Phone: +44 (0)1234 567890
Address: Suite 12, 20 Churchill Square, Kings Hill, West Malling, Kent, ME19 4YU, United Kingdom.

2. Use of Services
We provide medical risk rating services, specifically designed for business-to-business (B2B) clients, such as insurers and brokers. These services include, but are not limited to, medical risk rating, data evaluation, and related support. By using our services, you agree to comply with all relevant laws, including data protection regulations and the Financial Conduct Authority’s (FCA) requirements.

3. Registration and Account
To access certain services, you may be required to create an account with us. You agree to provide accurate, current, and complete information during the registration process, and to update your information if it changes. You are responsible for maintaining the confidentiality of your login credentials and for all activities under your account.

4. Payments and Billing
All payments for services are due in accordance with the terms specified in your service agreement. Fees for our services are outlined in the pricing schedule provided to you before the commencement of services. By accepting our services, you agree to pay the applicable fees.
In the event of non-payment or delayed payment, we reserve the right to suspend or terminate your access to the services.

5. Intellectual Property
All intellectual property rights in the content, materials, software, and technology used to provide our services are owned by Protectof or our licensors. You are granted a limited, non-exclusive, non-transferable license to use the Site and services solely for their intended purpose. You may not copy, modify, distribute, or reverse-engineer any part of our services or Site.

6. Data Protection and Privacy
We are committed to protecting your personal data. By using our services, you acknowledge and consent to the collection, storage, and processing of your personal data in accordance with our Privacy Policy.

We process personal data based on the following lawful bases under GDPR:

Contractual necessity: The processing of your personal data is necessary to provide our services and fulfil the contractual obligations we have with you.
Explicit consent: Where required, we may seek your explicit consent to process certain sensitive data, such as health information.
Legal obligation: We may process your data as required to comply with applicable laws or regulations.
For more information on how we handle your personal data, including your rights under GDPR, please review our full Privacy Policy.

7. Acceptable Use
You agree to use our services and Site only for lawful purposes. You will not use the Site or services in any way that could damage, disable, overburden, or impair the Site, or interfere with any other party’s use of the services.
Prohibited activities include, but are not limited to:
Using our services for fraudulent or illegal activities
Attempting to gain unauthorized access to our systems or networks
Engaging in harassment, defamation, or other harmful conduct towards other users

8. Termination of Access
We reserve the right to suspend or terminate your access to the Site and services at our discretion, especially if we suspect that you have violated these Terms. You may also terminate your account by notifying us in writing[KT1] . Upon termination, all outstanding payments will remain due.

9. Limitation of Liability
To the fullest extent permitted by law, Protectif will not be liable for any indirect, incidental, consequential, or punitive damages, or any loss of profits, revenue, data, or goodwill arising from your use or inability to use the Site or services. Our total liability to you, whether in contract, tort, or otherwise, will not exceed the amount you paid for the services during the 12 months preceding the event that gave rise to the claim.

10. Indemnity
You agree to indemnify and hold harmless Protectif, its affiliates, employees, agents, and partners from any claims, damages, liabilities, and expenses (including legal fees) arising out of your use of the Site or services, your violation of these Terms, or your violation of any law or the rights of a third party.

11. Performance Claims Disclaimer
Performance figures referenced, such as improvements in loss ratios or reductions in large loss occurrences, are based on internal data and indicative case studies. These figures represent estimates and may not reflect individual client results. Actual outcomes may vary depending on the specific insurer’s implementation, customer mix, underwriting practices, and other factors.
We do not guarantee specific performance results, and the data provided is for informational purposes only.

12. Changes to the Terms
We reserve the right to modify or update these Terms at any time. Any changes will be effective immediately upon posting on the Site. You are encouraged to review these Terms periodically to stay informed of any updates. Continued use of the Site after any modifications to these Terms constitutes your acceptance of the revised Terms.

13. Governing Law and Jurisdiction
These Terms are governed by and construed in accordance with the laws of England and Wales. Any disputes arising from or related to these Terms will be subject to the exclusive jurisdiction of the courts of England and Wales.

14. Contact Us
If you have any questions regarding these Terms and Conditions, please contact us at:

Protectif
Email: enquiries@protectif.co.uk
Phone: +44 (0)1234 567890
Address: Suite 12, 20 Churchill Square, Kings Hill, West Malling, Kent, ME19 4YU, United Kingdom.

Additional Privacy and Data Protection Details
Rights of Data Subjects: You have the right to:
Access your personal data
Correct any inaccurate or incomplete data
Request the deletion of your data (in certain circumstances)
Object to the processing of your data (in certain circumstances)
Lodge a complaint with a supervisory authority, such as the Information Commissioner’s Office (ICO) in the UK.
For further details about your rights and how we protect your data, please refer to our Privacy Policy.