Click on the links below to go straight to more information on each area:
Who we are
www.swinton.co.uk is a website operated by Swinton Group Limited (company number 00756681) and is registered as a company in England and Wales, with our registered address at Embankment West Tower, 101 Cathedral Approach, Salford M3 7FB ("Swinton", “we”, “us”, “our”). Swinton is part of the Ardonagh Group who have a direct holding in our business. For more information about the Ardonagh Group, please visit http://www.ardonagh.com
Swinton is authorised and regulated by the Financial Conduct Authority (“FCA”) under FCA reference number 309599. Details of Swinton’s FCA authorisation can be found on the FCA Website .
If you have any queries about these Terms, or any questions about our relationship with you, please contact us.
By using our Website, you confirm that you accept these Terms and that you agree to comply with them. If you do not agree to these Terms, you must not use our Website.
We recommend that you download or print a copy of these Terms for future reference.
Our Website is made available to you free of charge and is intended to be used for non-commercial purposes only. This means our Website is intended solely for your personal use or to be used by your business to seek a product for the purposes of that business.
We may suspend, withdraw or restrict the availability of all or any part of our Website for business and operational reasons e.g. if we need to make updates or amendments to our Website. We will try to give you reasonable notice of any suspension or withdrawal.
You are also responsible for ensuring that anyone who accesses our Website through your Internet connection, is aware of these Terms and complies with them.
Other terms that may apply to you
These Terms must also be read alongside the following additional terms and conditions, which also apply to your use of our Website:
Changes to these Terms and our Website
We amend these Terms from time to time. Every time you wish to use our Website, please check these Terms to ensure you understand the terms that apply at that time.
We may update and change our Website from time to time to reflect changes to our products, the needs of our Website users and our business priorities.
Website access and account usage
Our Website is designed to be used by people residing in the United Kingdom only. We do not represent that content available on or through our Website is appropriate for use in other locations.
If you choose, or you are provided with, a user identification code, password or any other piece of information as part of our security procedures, you must treat such information as confidential. You must not disclose it to any other person. Please contact us if you require assistance or are struggling to use our Website.
We have the right to disable any user identification code or password, whether chosen by you or allocated by us, at any time, if in our reasonable opinion you have failed to comply with any section of these Terms.
If you know or suspect that anyone knows your user identification code or password that should not have that information, you must immediately notify us.
All names, logos, trademarks and images on our Website belong to Swinton or any applicable third party. Nothing on this Website shall grant you or any person a licence or right to use the names, logos, trademarks and images on our Website, without the prior written consent of Swinton or the applicable third party.
Content on our Website
We, or our licensors (including our insurer partners), are the owners of all intellectual property rights, including copyright laws, in the content of our Website, unless we have stated otherwise.
You may print off one copy, and may download extracts, of any page(s) from our Website for your personal use.
You must not modify the paper or digital copies of any materials you have printed off or downloaded in any way, and you must not use any illustrations, photographs, video or audio sequences or any graphics separately from any accompanying text from our Website.
Our status (and that of any identified contributors) as the authors of content on our Website must always be acknowledged.
If you print off, copy or download any part of our Website in breach of these Terms, your right to use our Website will cease immediately and you must, at our option, return or destroy any copies of the materials you have made.
Our Products and Services
Our Website provides information about our various insurance products and insurance broking services. Please note, the content of our Website, including any quotations provided by us, are not intended to be binding, and nothing on this Website is intended to be an offer by us to sell those products and services.
When you make a request to purchase a product or service from Swinton, you are making an offer, which we then may accept or reject. If your offer is accepted by us, you will receive confirmation of that acceptance through our confirmation of purchase which may be by telephone, email or post.
The information provided on our Website may not be a full description of the products and services we provide. You will find full descriptions of the services and products, including terms, conditions and exclusions, in the policy documents you receive via your online account or by post, when you purchase a product or service from us.
Please ensure that you read these Terms in conjunction with the terms and conditions for our different products. In the event of any contradiction between these Terms or our terms and conditions, the terms and conditions shall take precedence over these Terms.
You are solely responsible for ensuring that all information you provide is accurate and complete and that any products you purchase on our Website are suitable for your needs.
We will aim to provide you with the best possible service. Should you at any time be unhappy with the service we provide to you, we would like you to tell us why. If you have any complaints or comments about our services please let us know. How to make a complaint.
You should read the following provisions carefully, as they set out when we shall not be liable for your use of our Website.
The content on our Website is provided for general information only. It is not intended to amount to advice on which you should rely.
Although we make reasonable efforts to update the information on our Website, we make no guarantee that the content on our Website is accurate, complete or up to date.
Where our Website contains links to other websites provided by third parties, including links to third party insurers, these links are provided for your information only. Such links should not be interpreted as approval by us of those linked websites or information you may obtain from them.
We have no control over the contents of third party websites or resources which will be subject to their own terms and conditions.
We do not exclude or limit in any way our liability to you where it would be unlawful for us to do so. This includes liability for death or personal injury caused by our negligence or the negligence of our employees, agents or subcontractors and for fraud or fraudulent misrepresentation. We in no way exclude our liability for obligations we owe under the Financial Services and Markets Act 2000.
We are only liable for direct losses you suffer which are a reasonably foreseeable consequence of us doing anything in breach of these Terms.
We will not be responsible for any losses which you may suffer which were not reasonably foreseeable at the time you accepted these Terms.
In particular, we will not be liable for:
- loss of profits, sales, business, or revenue;
- business interruption;
- loss of anticipated savings;
- loss of data;
- loss of business opportunity, goodwill or reputation; or
- any indirect or consequential loss or damage.
We will not be liable for any loss caused by events outside our reasonable control.
We do not guarantee that our Website will be secure or free from bugs, errors or viruses.
You are responsible for configuring your information technology, computer programmes and platform to access our Website. You should use your own virus protection software or service.
You must not misuse our Website by knowingly introducing malware or other material that is malicious or technologically harmful.
In the event that you breach any of these Terms, and we decide not to take immediate action against you at that time, we may still later enforce our rights and remedies in respect of the breach by you.
Which country's laws apply to any disputes?
These Terms are governed by English law. You and we both agree that the courts of England and Wales will have exclusive jurisdiction of any disputes arising from these Terms.