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Brokers - Terms and Conditions

This page tells you the terms of use on which you may make use of the www.riskdirector.co.uk website (the "site"). Please read these terms of use carefully before you start to use the site. By registering to use our site, you indicate that you accept these terms of use and that you agree to abide by them.
 

Information about us

www.riskdirector.co.uk is a site operated by Allianz Insurance plc ("we", "our"). We are registered in England under company number 84638 and have our registered office at 57 Ladymead, Guildford, Surrey GU1 1DB.

Allianz Insurance plc is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Our registration number is 121849. Allianz Insurance plc is a member of the Association of British Insurers.

 

The site

The site provides access to a number of services including:

  • a library of risk control notes and checklists covering a variety of risk management subjects relating to health and safety, fire, security, environmental and motor fleet risks;
  • a health and safety toolkit, helping businesses to put in place a management system;
  • access to a group of approved preferred suppliers offering discounted rates and products for health and safety, fire, specialist services, environmental and security; and
  • online risk improvements enabling the insurer, broker and policyholder to access and manage their risk improvements following a risk control survey visit.

Access to the site is restricted to users who have registered with us, those brokers who have an active agency agreement with us or those policyholders who are insured by us. You are accessing the site as a broker, which provides you with access both to the general areas of the website and to the risk improvement reports relating to clients for whom you have arranged insurance with us under commercial policies with us ("insureds"). The website can also be accessed by the insureds themselves and by our staff.

Access to our site is permitted on a temporary basis and we reserve the right to withdraw or amend the service we provide on our site without notice (see below). We will not be liable if for any reason our site is unavailable at any time or for any period.

 

Registration

To register, you must choose a password for your organisation. This should be a mixture of numerical and alphabetical symbols, and at least eight characters long. You must also select a secret word.

The password and secret word (“security information”) are personal to your firm and you must treat them, and any other piece of information as part of our security procedures, as confidential, and you must not disclose the security information to any third party. 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 opinion you have failed to comply with any of the provisions of these terms of use.

You are responsible for making all arrangements necessary for you to have access to our site. You are also responsible for ensuring that all persons who access our site through your internet connection and password/username are aware of these terms, and that they comply with them. You must keep a record of any such person who has access to the site and must notify us of any non-compliance. You must delete accounts immediately of any person who has had access to the security information who leaves your employment. We may require you to restrict access by any persons whom we believe to have breached these terms. We reserve the right to amend or reset your password in the event of staff leaving your employ.

Should you access any information belonging to a third party who is not one of your insured, you must immediately exit the site and notify us. You must delete any copies of such information. You do not have our authority or permission to use any of our documents or content on your own website.

You are able to access information relating to your insureds via the site acting as their agent. Such access will terminate should you cease to be their agent and you must notify us of such an event. We reserve the right to restrict access to any information on the site at an insured's request.

If you have any queries or concerns in relation to the site or its security, please contact us by clicking on the following link on our site at help@riskdirector.co.uk.
 

Intellectual property rights

Allianz and its logo are the registered trademarks of Allianz Insurance plc and its group companies in the UK and other countries. The copyright and the content, branding and images on the www.riskdirector.co.uk site belong to Allianz Insurance plc or the images and content are used by Allianz with the permission of the copyright owner. Those works are protected by copyright laws and treaties around the world. All such rights are reserved. Note that we are not the owner of copyright in any site linked to our site and you should seek permission from the site owners before copying any materials from them.

You may print off one copy and may download extracts of any page(s) from our site for your personal reference, and you may draw the attention of others within your organisation to material posted on our site.

It is your responsibility to ensure that any software downloaded onto your computer from this site is suitable and free from viruses.

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. In particular, you must ensure that any copyright or disclaimer notices remain intact.

Our status (and that of any identified contributors) as the authors of material on our site must always be acknowledged.

You must not pass any materials from our site to any third party without our express consent to do so.

You must not use any part of the materials on our site for commercial purposes without obtaining a licence to do so from us or our licensors.

If you print off, copy or download any part of our site in breach of these terms of use, your right to use our site will cease immediately and you must, at our option, return or destroy any copies of the materials you have made.

 

Reliance on information posted

Commentary and guidance information on our site are provided for information purposes only and are not intended to amount to advice on which reliance should be placed.

We therefore disclaim all liability and responsibility arising from any reliance placed on such materials by any visitor to our site, or by anyone who may be informed of any of its contents.

We are not responsible or liable to you for the content of any website which may be reached via a link on this website. We will not be liable for reliance upon any item contained on any third party websites. Inclusion on this website does not constitute a recommendation by Allianz of the services of the third party. They are provided as examples for information purposes only.

 

Our site changes regularly

We aim to update our site regularly, and may change the content at any time. If the need arises, we may suspend access to our site, or close it indefinitely. Any of the material on our site may be out of date at any given time, and we are under no obligation to update such material.
 

Our liability

The material displayed on our site is provided without any guarantees, conditions or warranties as to its accuracy. To the extent permitted by law, we, 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 site or in connection with the use, inability to use, or results of the use of our site, 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, our liability for fraudulent misrepresentation or misrepresentation as to a fundamental matter, or any other liability which cannot be excluded or limited under applicable law.

 

Information about you and your visits to our site

We process information about you in accordance with our privacy policy. By using our site, you consent to such processing and you warrant that all data provided by you is accurate.
 

Viruses, hacking and other offences

You must not misuse our site 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 site, the server on which our site is stored or any server, computer or database connected to our site. You must not attack our site via a denial-of-service attack or a distributed denial-of service attack. You must not access any area of the site identified as a restricted area unless you have been specifically authorised by us to do so.

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 site will cease immediately.

We will not be liable for any loss or damage caused by a distributed denial-of-service attack, viruses or other technologically harmful material that may infect your computer equipment, computer programs, data or other proprietary material due to your use of our site or to your downloading of any material posted on it, or on any website linked to it.

 

Linking to our site

You may link to our welcome page, provided you do so in a way that is fair and legal and does not damage our reputation or take advantage of it, but you must not establish a link in such a way as to suggest any form of association, approval or endorsement on our part where none exists. You must not establish a link from any website that is not owned by you.

Our site must not be framed on any other site, nor may you create a link to any part of our site other than the welcome page. We reserve the right to withdraw linking permission without notice.

If you wish to make any use of material on our site other than that set out above, please address your request to help@riskdirector.co.uk.
 

Links from our site

Where our site contains links to other sites and resources provided by third parties, these links are provided for your information only. We have no control over the contents of those sites or resources, and accept no responsibility for them or for any loss or damage that may arise from your use of them.
 

E-mails

Please note that there is no guarantee that any e-mail sent to this site will be received by us or that the message will remain confidential whilst being transmitted.

 

Jurisdiction and applicable law

Products and services illustrated on this site are available for citizens of the UK only. The English courts will have non-exclusive jurisdiction over any claim arising from, or related to, a visit to our site although we retain the right to bring proceedings against you for breach of these conditions in your country of residence or any other relevant country. These terms of use are governed by English law.

Note that this site is not intended for use or distribution by a person in any country where such use or distribution of the site would be contrary to local laws or regulation.

 

Variations

We may revise these terms of use at any time by amending this page. You are expected to check this page from time to time to take notice of any changes we made, as they are binding on you. Some of the provisions contained in these terms of use may also be superseded by provisions or notices published elsewhere on our site.
 

Your concerns

If you have any concerns about material which appears on our site, please contact help@riskdirector.co.uk. or contact us at 57 Ladymead, Guildford, Surrey.

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