Terms & Privacy
PRIVACY POLICY
Who we are
In this privacy policy references to “we”, “us”
and “our” are to NORTHERN STAR INSURANCE
SERVICES. References to “our Website” or “the
Website” are to
www.northernstar-risk.com.
Cookie Policy
This site uses cookies to help track how
visitors use this website. No personal
information is captured or stored. This site
uses a number of different cookies to help it
operate. Our intention is to use cookies to help
improve the experience you have in visiting the
site rather than to collect personal
information. This site uses third party cookies
from Google (_utma, _utmb, _utmc, _utmz). These
cookies are used to collect information about
how visitors use our site. We use the
information to compile reports and to help us
improve the site. The cookies collect
information in an anonymous form, including the
number of visitors to the site, where visitors
have come to the site from and the pages they
visited.
What information we collect and how
The information we collect via the Website may
include.
1. Any
personal details you knowingly provide us with
through forms and our email, such as name,
address, telephone number etc.
2. In
order to effectively process credit or debit
card transactions it may be necessary for the
bank or card processing agency to verify your
personal details for authorisation outside the
European Economic Area (EEA). Such information
will not be transferred out of the EEA for any
other purpose.
3.
Your preferences and use of email updates,
recorded by emails we send you (if you select to
receive email updates on products and offers).
4.
Your IP Address, this is a string of numbers
unique to your computer that is recorded by our
web server when you request any page or
component on the Website. This information is
used to monitor your usage of the Website.
5.
Data recorded by the Website which allows us to
recognise you and your preferred settings, this
saves you from re-entering information on return
visits to the site. Such data is recorded
locally on you computer through the use of
cookies. Most browsers can be programmed to
reject, or warn you before downloading cookies,
information regarding this may be found in your
browsers ‘help’ facility.
What we do with your information
Any personal information we collect from this
website will be used in accordance with the Data
Protection Act 1998 and other applicable laws.
The details we collect will be used:
1. To
process your order, to provide after sales
service (we may pass your details to another
organisation to supply/deliver products or
services you have purchased and/or to provide
after-sales service);
2. In
certain cases we may use your email address to
send you information on our other products and
services. In such a case you will be offered the
option to opt in/out before completing your
purchase.
We may need to pass the information we collect
to other companies for administrative purposes.
We may use third parties to carry out certain
activities, such as processing and sorting data,
monitoring how customers use the Website and
issuing our e-mails for us. Third parties will
not be allowed to use your personal information
for their own purposes.
Your Rights
You have the right to request a copy of any
information that we currently hold about you. In
order to receive such information please send
contact us via the email address listed on our
website.
Other Websites
This privacy policy only covers this website.
Any other websites which may be linked to by our
website are subject to their own policy, which
may differ from ours.
TERMS AND CONDITIONS FOR USE OF THE
NORTHERN STAR INSURANCE SERVICES WEBSITE
In these Terms and Conditions “we, our, us, this
site and our” refers to “Northern Star Insurance
Services”.
ACCEPTANCE OF TERMS
By accessing the content of this site you agree
to be bound by the terms and conditions set out
herein and you accept our privacy policy
available on the website. If you object to any
of the terms and conditions set out in this
agreement you should not use any of the products
or services on the Website and leave
immediately.
You agree that you shall not use the Website for
illegal purposes, and will respect all
applicable laws and regulations. You agree not
to use the website in a way that may impair the
performance, corrupt the content or otherwise
reduce the overall functionality of the Website.
You also agree not to compromise the security of
the Website or attempt to gain access to secured
areas or sensitive information.
You agree to be fully responsible for any claim,
expense, liability, losses, costs including
legal fees incurred by us arising from any
infringement of the terms and conditions set out
in this agreement.
MODIFICATION
We reserve the right to change any part of this
agreement without notice and your use of the
Website will be deemed as acceptance of this
agreement. We advise users to regularly check
the Terms and Conditions of this agreement.
We have complete discretion to modify or remove
any part of this site without warning or
liability arising from such action.
LIMITATION OF LIABILITY
We will under no circumstance be liable for
indirect, special, or consequential damages
including any loss of business, revenue,
profits, or data in relation to your use of the
Website.
Nothing within this Agreement will operate to
exclude any liability for death or personal
injury arising as result of our negligence, our
employees or our agents.
COPYRIGHT
All intellectual property such as trademarks,
trade names, patents, registered designs and any
other automatic intellectual property rights
derived from the aesthetics or functionality of
the Website remain as our property.
By using the Website you agree to respect our
intellectual property rights and will refrain
from copying, downloading, transmitting,
reproducing, printing, or exploiting for
commercial purpose any material contained within
the Website.
DISCLAIMERS
The information is provided on the understanding
that the website is not engaged in rendering
advice and should not be wholly relied upon when
making any related decision.
The information contained with the Website is
provided on an “as is” basis with no warranties
expressed or otherwise implied relating to the
accuracy, fitness for purpose, compatibility or
security of any components of the Website.
We do not guarantee uninterrupted availability
of the website and cannot provide any
representation that using the Website will be
error free.
THIRD PARTIES
The Website may contain hyperlinks to websites
operated by other parties. We do not control
such websites and we take no responsibility for,
and will not incur any liability in respect of,
their content. Our inclusion of hyperlinks to
such websites does not imply any endorsement of
views, statements or information contained in
such websites.
SEVERANCE
If any provision of this Agreement is held to be
invalid or unenforceable, such provision shall
be struck out and the remaining provisions shall
remain in force.
GOVERNING LAW AND JURISDICTION
This Agreement will be governed by the laws of
England and any user of the Website hereby
agrees to be bound exclusively by the
jurisdiction of English courts without reference
to rules governing choice of laws.