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1. TERMS AND CONDITIONS OF USING THIS WEBSITE

Cancellationplan is a trading name of Travel Insurance specialists P J Hayman & Company Limited. Cover is arranged by P J Hayman & Company Limited, underwritten by Travel Insurance Facilities plc and insured by Union Reiseversicherung AG, UK Branch.

P J Hayman & Company Limited and Travel Insurance Facilities plc are part of CSP Holding Limited and are authorised and regulated by the Financial Services Authority. This can be checked on the FSA's register by visiting the FSA's website at www.fsa.gov.uk/register/home.do or by contacting them on 0845 606 1234.

This web site and the insurance products and services offered within are intended for use and purchase by residents of the United Kingdom or companies and organisations registered in the United Kingdom.

All insurance products and services offered in this web site are subject to individual terms and conditions that are readily available for inspection before a purchase is made. You should refer to the terms and conditions relating to Cancellationplan before undertaking a purchase. We retain the right to modify these terms and conditions when necessary so you should review them each time you use this web site.

You are entirely responsible for deciding whether or not to purchase any of these products or services. Whilst this web site will often offer advice on travel insurance matters it does not seek to advise you on which particular products and services to purchase. If you are in doubt as to whether the cover offered under Cancellationplan for purchase on this web site is suitable for your needs or specific requirements, please contact us prior to making a purchase. Contact details can be found on the Contact us page.

We reserve the right to modify the content or format of this web site at any time. We also reserve the right to change the information on this page if necessary. Please read the contents of this page each time you view this web site. We do not guarantee the availability of this site nor does it guarantee that the code which constitutes this web site or the material contained within it will operate either fully or in part on any specific computer equipment or in any specific software. There are no elements within this web site that alter any of the configuration or other settings on any machinery used to view the site. We accept no liability whatsoever for any damage, either temporary or permanent, occurring to either electronic equipment or software that might occur whilst using this site as any such damage will be deemed to be coincidental. Any information contained within the technical support pages on this web site is for reference purposes only and we advise against any individual attempting to service, repair or reconfigure electronic equipment or computer software based on the content of these technical pages unless they are fully qualified to do so.

OUR WEB SITE

This web site, in its entirety, is the property of Travel Insurance Facilities plc (or any of its trading divisions as stated - referred to as ‘TIF’, P J Hayman & Company Limited and Cancellationplan) and is protected by the copyright laws of the United Kingdom. All company names, logos and trademarks included in this web site are the property of TIF and P J Hayman & Company Limited.

This web site must not be used for any reason other than the purposes of purchasing, obtaining a quotation for or obtaining information about the insurance products and services offered.

You must not copy, reuse or distribute, attempt to sell, hire or rent or use in any way other than previously defined the material contained in this web site without our written permission or the stated owner of that material. This applies to both private and commercial use. You must not attempt to imply ownership of or association with the material contained in this web site. You may not provide links to this web site from external sources or include this web site in part or in whole within an external web site without first obtaining written permission to do so from us.

You may print out copies of the pages in this web site for private use only but must not change or edit in any way the format or content of such printed material. You must not remove any copyright or trade mark information from material printed from this web site.

EXCHANGE OF INFORMATION

We exchange personal information with other approved organisations for underwriting and fraud prevention purposes and we may provide such information to others where required or permitted by law.

We will use and analyse your personal information for the following purposes: -
managing and administering products and services that are supplied. In the case of insurance products this will include underwriting reinsurance and claims handling purposes and this may include disclosing it to other insurers, reinsurers, regulatory authorities or to our agents who provide services on our behalf;
considering any applications for products you may make and to help in making credit-related decisions about you where appropriate;
- servicing other relationships you may have with us;
- financial risk assessment, money laundering checks, compliance and regulatory reporting and fraud prevention;
assisting in making decisions on insurance proposals, other products and any claim made by you, members of your household, and others connected with your insurance proposals and claims; and
- helping us to understand and develop new and innovative products and services.

Your personal information will only be disclosed to third parties outside of us if:-
- it is necessary for the performance of your agreement with us; or
- you have given your consent; or
- such disclosure is required or permitted by law; or
we are entitled to transfer rights and/or obligations as provided under the terms of any policy you may purchase; or
any such third party provides benefits or services to you under or in connection with our agreement with you; or
it is a credit reference agency or fraud prevention agency; and
any such third party has agreed to keep your personal information strictly confidential and use it for the purpose for which we provide it to them.

Because of the nature of our products and the destination of your travel, it may be necessary for us to transfer your personal details to third parties in countries outside the European Economic Area (EEA). Such countries may not have laws to protect your information. By purchasing a policy that includes the possibility of travel outside the EEA, you consent to us so transferring your information.

In future the way in which your personal information is viewed, recorded and used may change. In most cases these changes will result from enhancements in technology. Where we believe the changes may be to your disadvantage, we will give you at least 30 days notice of them by posting notice of such an amendment on this website. If you continue to use a product or service for a further 30 days after notification, we will consider that you have consented to that change (unless you write to us to inform us otherwise).

FRAUD PREVENTION

In order to prevent fraud we may at any time:-
- share personal information about you between us and with other insurers or financial institutions;
- check your details with fraud prevention agencies. If you give us false or inaccurate information and we suspect fraud, we will record this and pass this information to fraud prevention agencies.
We and other organisations may also search and use fraud prevention and credit reference agency records to:-
- help make decisions in connection to insurance proposals, insurance claims and other products for you and members of your household;
- trace debtors, recover debt, prevent fraud and to manage your insurance policies;

PERSONAL INFORMATION FOR THE PURPOSE OF MARKETING

Unless you have informed us to the contrary, personal information held maybe used by us to carry out research and to inform you by letter, telephone or email of other products we believe may interest you.

We may also contact you by e-mail or other electronic media to notify you of other products we believe may interest you. We shall only do so however if you have provided your consent to such contact. If you are contacted by such means in future we shall on each occasion ensure you will always be given the option to opt out of any further such communication.

If you wish to opt-out from receiving such information or do not consent to such transfer, please write to us at:

P J Hayman & Company Limited
Stansted House
Rowlands Castle
Hampshire
PO9 6DX

REPRESENTATION BY OTHER PEOPLE

At the request of many of our insurance policyholders and to make the managing your policy more convenient, it is our policy to deal with a policyholder's spouse or partner (if named on the policy where applicable) who calls on your behalf.

If you would like someone else to be able to deal with your policy for you on a regular basis please let us know. In some exceptional circumstances we may also deal with other people who call us on your behalf. If at any time you would prefer us to deal only with you, please call to let us know.

Please note that we will not reveal any credit or debit card numbers that we hold to anyone other than the policyholder.

DATA PROTECTION AND DATA TRANSFER

There are no devices or items contained within the code of this site that extract information from your computer other than information required to make a connection and transfer web site content between your computer and the TIF host server. TIF will from time to time analyse the number and nature of connections made between external sources and the TIF host server specifically for traffic analysis reporting. None of this information will contain any personal or private information relating to you other that the IP address used to make the connection with our host server and the type of browser used to view the web site.

When requesting quotes, purchasing insurance products and services, engaging in online contact or registering on our database all items of information requested will be clearly and unambiguously labelled and will be submitted securely to our host server. Where we are legally obliged to provide information to official bodies such as the Police, the Courts or other insurance companies investigating potentially fraudulent claims your details will be passed on, without notice to you.

COOKIES AND TRACKING TECHNOLOGY

A "cookie" is a small data text file that is placed in your browser. We use session cookies on this web site to recognise you each time you visit this site, and to make it easier for you to navigate our web site. A session ID cookie expires when you close your browser.

Most browsers will usually allow you to change the settings of your browser so that it does not accept cookies but if you do this please be aware that this web site will not operate. If you would like to learn more about cookies, and for the procedures to turn off cookies within your browser visit www.bbc.co.uk/webwise/guides/about-cookies

SENSITIVE INFORMATION

In order to provide you with some of our products we may need to process sensitive information (such as information about health such as physical or mental health information) about you and others who may be a party to the product or service purchased. We will not use sensitive personal data about you or others except for the specific purpose for which you provide it and to provide the services described in your policy. Please ensure that you only provide us with sensitive information about other people with their agreement.

CALL RECORDING

We record telephone calls for monitoring and training purposes and to assist us in preventing and detecting fraud.

REMEMBER THE RISKS WHENEVER YOU USE THE INTERNET

Other Internet sites or services that may be accessible through our web site will have separate data and privacy practices independent of us, and therefore we disclaim any responsibility or liability for their policies or actions.

2. CANCELLATIONPLAN - ABOUT OUR INSURANCE SERVICES

P J Hayman & Company Limited trading as Cancellationplan

1) The Financial Services Authority (FSA)

The FSA is the independent watchdog that regulates financial services. Use this information to decide if our services are right for you.

2) Whose products do we offer?

We offer products from a limited number of insurers. Ask us for a list of the insurers we offer insurance from.

3) Which service will we provide you with?

You will not receive advice or a recommendation from us in relation to the products we offer. We may ask some questions to narrow down the selection of products that we will provide details on. You will then need to make your own choice about how to proceed.

4) What will you have to pay us for our services?

We receive our remuneration in the form of commission and administration fees from the insurance companies.

5) Refund of Premium

If you cancel the policy, we will make a refund in accordance with the policy conditions.

6) Who Regulates us?

Cancellationplan is a trading name of P J Hayman & Company Limited who are authorised and regulated by the Financial Services Authority. Our FSA register number is 497103.

Our permitted business is arranging and advising on general insurance contracts.

You can check this on the FSA’s register by visiting the FSA’s website www.fsa.gov.uk/register/home.do or by contacting the FSA on 0845 606 1234.

7) Ownership

P J Hayman & Company Limited is a wholly owned subsidiary of CSP Holding Limited.

8) What to do if you have a complaint?

If you wish to register a complaint, please contact us:
In writing to:-
The Managing Director,
Cancellationplan
P J Hayman & Company Limited,
Stansted House,
Rowlands Castle, Hampshire, PO9 6DX

Or by telephoning: - 023 9241 9002.

If you cannot settle your complaint with us you may be entitled to refer it to the Financial Ombudsman Service.

9) Are we covered by the Financial Services Compensation Scheme (FSCS)?

We are covered by the FSCS. You may be entitled to compensation from the scheme if we cannot meet our obligations. This depends on the type of business and the circumstances of the claim. Insurance cover provides protection for 90% of the claim without any upper limit.

Further information about compensation scheme arrangements is available from the FSCS, telephone number 020 7892 7300, or by visiting their website at www.fscs.org.uk

Cancellationplanaois/Dec2011