These Terms and Conditions govern your use of Professional Insurance UK at professionalinsuranceuk.co.uk.
By using the website, you agree to these terms. If you do not agree, you should stop using the website.
About Professional Insurance UK
Professional Insurance UK is an independent educational publication for UK businesses, professionals, freelancers, contractors and employers.
It is published by Zenith Star Media, an independent publishing network currently developing educational websites. Zenith Star Media is a publishing brand and project, not an incorporated company or registered legal entity.
Educational information only
The website provides general educational and editorial information.
Professional Insurance UK does not:
- sell insurance;
- arrange insurance cover;
- provide insurance quotations;
- act as an insurer, broker, intermediary, introducer or claims representative;
- handle claims or complaints for an insurer;
- recommend a particular policy or provider to an individual reader;
- assess whether a policy is suitable for your circumstances;
- provide personalised regulated financial or insurance advice.
Using the website does not create an insurer–policyholder, adviser–client, broker–client or other professional relationship.
Read our Insurance Information Disclaimer before relying on insurance-related material.
No policy or claim notification
A message sent to Professional Insurance UK does not notify an insurer, broker, adviser, regulator, ombudsman or other organisation of:
- a claim or circumstance;
- a complaint;
- a cancellation;
- a change in risk;
- a policy instruction;
- a deadline or limitation period.
For an existing policy, quotation, claim, complaint or urgent deadline, contact the organisation responsible for that matter directly.
Accuracy and currency
We aim to research, review and present information carefully. However:
- laws, regulations, regulator guidance and market practices can change;
- insurance policies differ between insurers, products and versions;
- a policy’s definitions, limits, exclusions, endorsements and conditions determine how it operates;
- external pages and source documents may change after we link to them;
- an article may not cover every exception or circumstance.
We do not guarantee that every page is complete, error-free, continuously available or current at the moment you read it.
Check the date, sources and stated territorial scope of a page. Verify material decisions against current official information and the wording of any relevant contract or policy.
Permitted use
You may:
- read and use the website for lawful personal, educational or internal-business purposes;
- print or save a reasonable copy for your own reference;
- share a normal link to a page;
- quote a limited passage where the use is lawful, proportionate and accompanied by appropriate acknowledgement;
- use material in another way permitted by law.
Permission to read or link to the website does not transfer ownership of its content or branding.
Copyright and intellectual property
Unless another owner or licence is identified, the original text, page structure, graphics, branding and other original material on Professional Insurance UK are protected by copyright or other intellectual-property rights.
Copyright law reserves acts including copying, issuing copies to the public, communicating works to the public and adapting a protected work, subject to statutory exceptions and licences.
Fair dealing and other statutory exceptions may permit limited uses such as criticism, review or quotation where their legal conditions are satisfied.
Except where permitted by law or agreed in writing, you must not:
- reproduce or republish a substantial part of the website;
- present our material as your own;
- remove or conceal attribution, copyright notices or source information;
- create or distribute a misleadingly modified version of our content;
- use our branding in a way that suggests endorsement, partnership or affiliation;
- sell, license or commercially exploit copied PIUK content.
For a permission enquiry, use our Contact Us page.
Automated access and extraction
You must not use automated systems in a way that:
- places an unreasonable or disproportionate load on the website;
- bypasses technical restrictions or access controls;
- interferes with security, availability or other users;
- extracts content for an unlawful purpose;
- republishes substantial protected content without permission or another lawful basis;
- collects personal information from the website unlawfully.
Nothing in these terms removes a statutory right or exception that cannot lawfully be excluded.
Prohibited conduct
You must not:
- attempt to gain unauthorised access to the website, server, accounts or administration systems;
- introduce malware, malicious code or harmful requests;
- deliberately disrupt or degrade the website;
- impersonate Professional Insurance UK, Zenith Star Media or another person;
- falsely suggest that PIUK endorses a product, policy, insurer, broker or service;
- use the website to distribute unlawful, defamatory, fraudulent or infringing material;
- use contact details published on the site for spam or unlawful marketing;
- submit information that you have no right to disclose.
Contact submissions
If you contact us, you are responsible for ensuring that:
- the information you send is lawful;
- you have authority to provide it;
- it does not contain unnecessary confidential or sensitive information;
- it does not infringe another person’s rights.
Do not send policy numbers, claim documents, payment data, identity documents, medical information or other sensitive personal information through the general contact route.
Our handling of personal information is explained in the Privacy Policy.
External links
Professional Insurance UK links to external sources for reference, evidence and further information.
A link does not necessarily mean that we:
- endorse the external organisation or all of its content;
- control the linked page;
- guarantee that the link will remain available;
- accept responsibility for the external organisation’s services, security or privacy practices.
External websites have their own terms and policies.
Advertising and commercial material
Professional Insurance UK may display advertising in future, but advertising is not confirmed as currently live.
Commercial material must be distinguishable from independent editorial material. A commercial relationship does not give another party the right to approve, suppress or rewrite PIUK’s independent editorial conclusions.
Read the Advertising and Commercial Disclosure for the current position.
Availability and changes
We may:
- correct, update, reorganise or remove content;
- change site features or navigation;
- restrict access needed to protect security or availability;
- suspend all or part of the website for maintenance or technical reasons.
We do not promise that the website or every page will always be available.
Where practical, established canonical URLs should be preserved. This does not create an obligation to retain inaccurate, unlawful, obsolete or unsafe material.
Liability
The website is provided for general educational use.
To the fullest extent permitted by law, Professional Insurance UK and Zenith Star Media are not responsible for loss arising solely because a user:
- treated general information as personalised advice;
- failed to check current official information or contractual wording;
- missed a policy, claim, complaint or legal deadline;
- relied on an external website outside our control;
- used the website unlawfully or contrary to these terms.
Nothing in these terms excludes or restricts liability for:
- fraud or fraudulent misrepresentation;
- death or personal injury caused by negligence where liability cannot be excluded;
- any other matter that cannot lawfully be excluded or restricted.
UK legislation prevents exclusion of liability for death or personal injury caused by negligence and subjects some other exclusions to statutory controls.
Your mandatory legal rights are not affected.
Privacy and cookies
Your use of the site is also subject to:
- our Privacy Policy;
- our Cookie Policy.
Changes to these terms
We may update these terms to reflect changes in:
- the website;
- law or regulatory guidance;
- publishing practices;
- security requirements;
- commercial arrangements.
The editorial review date at the top identifies the current approved version.
Continuing to use the website after revised terms are published means that the revised terms apply to later use.
Governing law
These terms and any non-contractual dispute connected with the website are governed by the law of England and Wales.
If you use the website as a consumer in another jurisdiction, this clause does not remove any mandatory protection or right to bring proceedings that applicable law gives you.
Severability
If a provision of these terms is found to be unlawful or unenforceable, the remaining provisions continue to apply so far as legally possible.
Contact
Questions about these terms may be sent through our Contact Us page or to: zenithstarmediagroup@gmail.com