Terms Conditions

This website is operated by the British Insurance Brokers Association (BIBA, we, us) of 8th Floor, John Stow House, 18 Bevis Marks, London EC3A 7JB.

1. When do these conditions apply

When you access or use any part of www.biba.org.uk (Website) you are agreeing to be bound by the following conditions of use. If you do not wish to be bound by these conditions, you should not access or use this Website.

We may change these conditions at any time without giving any notice to you. If you continue to access and use the Website you agree to be bound by the most current version of the conditions of use, therefore you should check these conditions from time to time to see if any changes have been made.

2. Intellectual Property

Except where otherwise indicated, the content of the Website (which for the avoidance of doubt includes the pages, data, design, text, graphics, any other content and arrangement thereof) and the software used therein, is the property of and is owned and controlled by BIBA (with the exception of insurance company names and logos which are the exclusive property of the respective insurance companies). All such content is the copyright material of BIBA or our associated / chosen content-provider organisations and may not be copied or reproduced, in whole or in part, in any form without the express written consent of BIBA.

In addition the results of any search on the Website is extracted from a copyright work (database) owned and controlled by BIBA.

The name “BIBA” and the BIBA logo are service marks of BIBA or its subsidiaries. All other trademarks, product names and company names or logos cited or displayed on the Website are the property of their respective owners.

3. Permitted Uses by you

Save as provided below, no materials from the Website may be copied, downloaded, reproduced, broadcast, shown or played in public, republished, uploaded, posted, stored, transmitted or distributed in any way or adapted or changed in any way.

Subject to any applicable licences from third-party content-providers, you may electronically copy and print in hard copy, portions of the Website for your personal, non commercial use only. You are not permitted to sell or trade in any material so copied. Any other use, modification, distribution or republication without the prior written consent of BIBA is similarly strictly prohibited. You may however copy and distribute any or all portions of any press releases or notices intended for general public use by BIBA. The use of multiple searches to extract BIBA database details for commercial benefit or use is strictly prohibited.

You may only access the BIBA members’ area on the Website if you are entitled to do so by virtue of being authorised to access the Website as an employee, director or partner of an BIBA member or industry partner or are otherwise granted permission to access the members’ area by BIBA. You must comply with the terms of this clause in respect of all content, advice, guidance and information within this area unless the entitlement to distribute, copy or otherwise use such content is clearly granted by BIBA.

4. No Licence

Except as expressly provided, nothing contained in these conditions or anywhere on the Website shall be construed as conferring any licence under any of BIBA’s or any third party’s intellectual property rights.

5. Data Protection

We may collect and process personal information you provide in your use of the Website, including the details of your visits to our Website and the resources that you access.

For information on how we use and process personal information please see our privacy policy which can be accessed here.

6. Disclaimer

This Website has been designed with the intention of providing as much information as possible, to consumers who seek to educate themselves and make informed decisions about general insurance. However, since each individual’s situation is different, none of the information provided herein should be construed as legal, tax, financial planning, or other professional advice and no reliance should be placed on it.

You use the Website at your own risk and BIBA makes no warranties or guarantees as to the availability or accuracy of the Website or as to the accuracy or fitness of any of the information in contained on the Website. Much of this information is provided by third parties and its accuracy cannot be reasonably verified by BIBA.

The information in the Website is provided “as is” and BIBA makes no representation or warranty or condition, either express or implied, to you:

  • as to availability of the Website;
  • that the Website will be uninterrupted or error-free;
  • that the Website or the computer server from which it is made available, are free of any viruses or other harmful components or programs;
  • as to the Website’s merchantability or fitness for a particular purpose;
  • as to the correctness, accuracy, content, timeliness, completeness, legality, reliability, quality or suitability of any information, advice, content, service or search results provided by the Website; or
  • as to the quality or suitability of any goods or services or information received through or advertised on www.biba.org.uk or received through links provided on the Website whether from BIBA members or other third parties.

You (and not we) assume the entire cost of all necessary servicing, repair or correction.

You (and not we) assume the entire cost of all necessary servicing, repair or correction.

Where the website contains links to third party websites, these links are provided for convenience only and, to the fullest extent permitted by law. BIBA takes no responsibility for any third party website, or the content therein, that you may access through the BIBA website. Please note that these websites have their own privacy policies and you should check those before submitting any personal data to any such websites. The inclusion of any link to a third party website does not constitute an endorsement of that third-party or its website.

BIBA is not obligated to monitor any transmission made to or through any of the pages contained on this website or any website which may be linked to or from this website. However, and notwithstanding anything herein to the contrary, BIBA has the right to monitor such transmissions and to use or disclose information gathered from this website in accordance with our privacy policy.

7. Limitation of Liability

Under no circumstances will BIBA, or any other party involved in the creation, production, maintenance or distribution of the Website be liable for any damages either direct, indirect, incidental, special or consequential (including but not limited to loss of profits, business, anticipated savings, goodwill, loss of opportunity, use of data or other intangible losses) that result from any of the following:

  • the use of and reliance upon the Website;
  • any inability to use the Website;
  • any errors, omissions, interruptions, suspension, termination, deletion of files or email, mistakes, defects, viruses and other harmful creation, delays in operation, transmission or service response time, or any failure of performance by the Website including without limitation those arising from acts of God, communications failure, theft, destruction or any unauthorised access to BIBA’s data, records, programs or services; or
  • any services or products, information or advice received through or advertised on biba.org.uk or through any links provided on the Website.

BIBA is unable to ensure or guarantee the security of any information transmitted over the Internet. Any information or data which you transmit to or by using the Website is done at your own risk and BIBA will not be responsible or liable for any damage that may result from transmitting such information.

If any jurisdiction does not allow the exclusion or limitation of liability for consequential or incidental damages, liability is limited to the fullest extent permitted by law.

8. Miscellaneous

These conditions and any and all documents referred to herein form the entire agreement between you and BIBA with respect to the use of the Website. If any term in these conditions is determined by a court to be illegal, invalid or in any way unenforceable, that provision shall be severed from these conditions and the remaining provisions shall continue in full force and effect.

9. Jurisdiction and Governing Law

These conditions shall be governed by and construed in accordance with the laws of England and Wales. BIBA and the Website’s servers are located in England. As www.biba.org.uk can be accessed from other places around the world with different laws from those of England, when you access the Website you agree that the laws of England will apply to all matters relating to your use of www.biba.org.uk. You and BIBA also agree to submit to the non-exclusive jurisdiction of the English courts, with respect to such matters.

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