WEBSITE TERMS AND CONDITIONS OF USE
This Website is provided by Resolute Management Limited (RML, referred to as “we” and “our” in these Terms and Conditions) for members of the Berkshire Hathaway group of companies who use the trading name MedPro (see Corporate Information for more detail).
You are responsible for making all arrangements necessary for you to have access to our Website. You are also responsible for ensuring that all persons who access our Website through your internet connection are aware of these terms, and that they comply with them.
This Website is intended for use by residents of the United Kingdom and the European Union (“EU”) whilst in the United Kingdom or the EU. The law in other countries may restrict the distribution of the information and products on this Website. For the avoidance of doubt none of the information on the Website constitutes either any form of advice or an offer to contract in any country in which it is accessed, including (without limitation), the United Kingdom or any EU member state.
Outside of the US, MedPro is an underwriting division and all insurance products are underwritten by the following Berkshire affiliates, trading as MedPro:
- Berkshire Hathaway European Insurance DAC (BHEI), incorporated and registered in Ireland with company registration number 636883. Registered office: 7 Grand Canal Street Lower, Dublin D02 KW81, Ireland. Authorised and regulated by the Central Bank of Ireland. BHEI underwrites business across the European Union; and
- Berkshire Hathaway International Insurance Limited (BHIL), incorporated and registered in England and Wales with company registration number 3230337. Registered office: 4th Floor, 8 Fenchurch Place, London, EC3M 4AJ, England. Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and Prudential Regulation Authority (FRN 202967). BHIL underwrites business in the UK and reinsures business in multiple jurisdictions; and
- Harley Street Insurance Group Limited (HSIG), an approved Lloyd’s coverholder for the Faraday Syndicate 435 and a cover holder for BHIL, incorporated and registered in England and Wales with company registration number 7681882. Registered office: 25 Athena Court, Athena Drive, Tachbrook Park, Warwick, CV34 6RT, England. Authorised and regulated by the Financial Conduct Authority (FRN 570717).
Resolute Management Limited (RML) is an employer and service provider to the above companies and has an established branch in Ireland for provision of the same. RML is incorporated and registered in England and Wales with company registration number 4212086. Registered office: 4th Floor, 8 Fenchurch Place, London, EC3M 4AJ, England. Authorised and regulated by the Financial Conduct Authority (FRN 471880).
You must not misuse our Website by knowingly introducing viruses, trojans, worms, logic bombs or other material which is malicious or technologically harmful. You must not attempt to gain unauthorised access to our Website, the server on which our Website is stored or any server, computer or database connected to our Website. You must not attack our Website via a denial-of-service attack or a distributed denial-of service attack. By breaching this provision, you would commit a criminal offence under the Computer Misuse Act 1990. We will report any such breach to the relevant law enforcement authorities and we will co-operate with those authorities by disclosing your identity to them. In the event of such a breach, your right to use our Website will cease immediately.
We use reasonable endeavours to prevent contamination by known viruses and to maintain the security of the Website but we do not warrant the information on the Website in any way and in particular no warranty is given that the Website or its contents or hypertext links to other sites are accurate, complete, virus free or uncontaminated, nor can we guarantee that the Website may not be affected by deliberate damage by hackers, failure of plant, machinery, equipment or computers, power failure, failure of telecommunications lines or any criminal action. You are advised to make your own virus checks and to implement your own precautions in this respect. RML exclude all liability for contamination or damage caused by any virus or electronic transmission.
LIMITATION OF LIABILITY
The material displayed on our Website is provided without any guarantees, conditions or warranties as to its accuracy. To the extent permitted by law, we and other members of our group of companies and third parties connected to us hereby expressly exclude:
- all conditions, warranties and other terms which might otherwise be implied by statute, common law or the law of equity;
- any liability for any direct, indirect or consequential loss or damage incurred by any user in connection with our Website or in connection with the use, inability to use, or results of the use of our Website, any websites linked to it and any materials posted on it, including, without limitation any liability for:
- loss of income or revenue
- loss of business
- loss of profits or contracts
- loss of anticipated savings
- loss of data
- loss of goodwill
- wasted management or office time, and
- for any other loss or damage of any kind, however arising and whether caused by tort (including negligence), breach of contract or otherwise, even if foreseeable.
This does not affect our liability for death or personal injury arising from our negligence, nor our liability for fraudulent misrepresentation or misrepresentation as to a fundamental matter, nor any other liability which cannot be excluded or limited under applicable law.
We aim to provide the highest standard of service to every customer. All complaints we receive are taken seriously. In the event that you have a complaint, please contact us and help us understand your concerns and we will endeavor to give you a fair response and act in accordance with any applicable law or regulation.
- For customers of Berkshire Hathaway European Insurance DAC (BHEI):
Tel: +353 (0)1 246 7248
Postal: Head of Compliance, Berkshire Hathaway European Insurance DAC
2nd Floor, 7 Grand Canal Street Lower Dublin, D02 KW81, Ireland
- For customers of Berkshire Hathaway International Insurance Limited (BHIL):
Tel: +44 (0)207 342 2000 Email: email@example.com
Postal: Head of Compliance, Berkshire Hathaway International Insurance Limited
4th Floor, 8 Fenchurch Place, London, EC3M 4AJ, UK
- For customers of Harley Street Insurance Group Limited (HSIG):
Tel: +44(0)345 163 0063
Postal: Head of Compliance, Harley Street Insurance Group Limited
25 Athena Court, Athena Drive, Tachbrook Park, Warwick, CV34 6RT, UK
For any concerns or complaints about material which appears on our Website, or if you have been diagnosed with any medical condition(s) which affects your ability to use our Website or access our services, then please contact us via email to firstname.lastname@example.org and a member of our team will be able to assist you.
INTELLECTUAL PROPERTY RIGHTS
Members of the Berkshaire Hathaway group including BHEI, BHIL, HSIG and RML are the owner(s) or the licensee of all intellectual property rights in our Website, and in the trademarks, images and other material published on it (the ‘Content’). The Content is protected by copyright laws and treaties around the world. All such rights are reserved and you may not reproduce the logo without written consent.
You may print off one copy, and may download extracts of any page(s) from our Website for your personal reference and you may draw the attention of others within your organisation to material posted on our Website. 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. Our status (and that of any identified contributors) as the authors of content on our website must always be acknowledged.
Please read our privacy notices:
For customers in the UK: https://bhiil.com/wp-content/uploads/2020/08/Berkshire-Hathaway-International-Insurance-Limited-Privacy-Notice.pdf
For customers in the European Union: https://medpro.international/wp-content/uploads/2021/02/BHEI-DPN.pdf
LAW AND JURISDICTION
Your use of the Website is governed by the laws of England. You hereby consent to the non-exclusive jurisdiction of the English courts in all disputes arising out of or relating to the use of the Website.
WHAT ARE COOKIES?
A cookie is a file containing an identifier (a string of letters and numbers) that is sent by a web server to a web browser and is stored by the browser. The identifier is then sent back to the server each time the browser requests a page from the server.
Cookies may be either “persistent” cookies or “session” cookies: a persistent cookie will be stored by a web browser and will remain valid until its set expiry date, unless deleted by the user before the expiry date; a session cookie, on the other hand, will expire at the end of the user session, when the web browser is closed.
Cookies do not typically contain any information that personally identifies a user, but personal information that we store about you may be linked to the information stored in and obtained from cookies.
Cookies can be used by web servers to identify and track users as they navigate different pages on a website and identify users returning to a website.
You can prevent the setting of cookies by adjusting the settings on your browser (see your browser Help for how to do this). Be aware that disabling cookies will affect the functionality of this and many other websites that you visit. Disabling cookies will usually result in also disabling certain functionality and features of the this site. Therefore it is recommended that you do not disable cookies.
Alternatively, visit www.aboutcookies.org which contains comprehensive information on how to restrict or block the cookies on a wide variety of browsers. This site provides details on how to delete cookies from your computer as well as more general information about cookies.
For information on how to do this on the browser of your mobile phone, you will need to refer to your handset manual. To opt out of being tracked by Google Analytics across all websites visit https://tools.google.com/dlpage/gaoptout.
THE COOKIES WE SET
This site offers newsletter or email subscription services and cookies may be used to remember if you are already registered and whether to show certain notifications which might only be valid to subscribed/unsubscribed users.
THIRD PARTY COOKIES
This site uses Google Analytics which is one of the most widespread and trusted analytics solutions on the web for helping us to understand how you use the site and ways that we can improve your experience. These cookies may track things such as how long you spend on the site and the pages that you visit so we can continue to produce engaging content.
For more information on Google Analytics cookies, see the official Google Analytics page.
We also use social media buttons and/or plugins on this site that allow you to connect with your social network in various ways. For these to work the following social media sites including; Facebook, Twitter, will set cookies through our site which may be used to enhance your profile on their site or contribute to the data they hold for various purposes outlined in their respective privacy policies.