Please read these terms carefully as they apply to your use of the website and to any correspondence by email between you and us. By proceeding with access to our website you are deemed to have accepted these terms. If you do not agree with these terms you must leave the Site immediately.
The term "First Title Insurance plc" (First Title), "First Title" or "us" or "we" refers to the owner of the website whose registered office is Title House, 33-39 Elmfield Road, Bromley, Kent, BR1 1LT. Our company registration number is 0112603 and we are registered in England. The term "you" refers to the user or viewer of our website.
Copyright in the whole and every part of this website belongs to First Title or the First Title Group, unless otherwise indicated, and may not be used, sold, licensed, copied or reproduced in whole or in part in any manner or form or in any media by any person without the prior written consent of First Title.
Accuracy and Validity of Information
Whilst we take all reasonable steps to ensure that the information contained within these pages is accurate and up-to-date, it is nonetheless supplied on an "as is" basis and accordingly we do not accept any liability for any errors or omissions.
If you are in any doubt as to the validity of information made available within these pages, we recommend you seek verification by contacting us.
Your use of any information or materials on this website is entirely at your own risk, for which we shall not be liable. It shall be your own responsibility to ensure that any products, services or information available through this website meet your specific requirements.
We reserve the right to update these terms from time to time without notice to you. We recommend you regularly revisit this page to ensure you have seen and are aware of our latest terms.
Choice of Law
English law shall govern the use of the Site and in the event of a dispute you irrevocably submit to the exclusive jurisdiction of the English Courts.
You should also be aware that communications over the Internet, such as e-mails, are not secure unless they have been encrypted. Your communications may route through a number of countries before being delivered - this is the nature of the Internet. First Title cannot accept responsibility for any unauthorised access or loss of personal information that is beyond our control.
Use of the Site
This Site is intended for Commercial use only. Interference or entry to the Site with intent to corrupt, damage or deny service is taken seriously and we will take such action as is necessary to protect the Site from any such activities.
All trademarks reproduced on the Site are registered trademarks within the First Title Group. First Title or its Group Companies may also claim rights in other trademarks, service marks, logos and icons contained on the Site. All rights are expressly reserved.
All trademarks reproduced on the Site, which are not the property of, or licensed to the operator, are acknowledged on the Site.
Terms and conditions of products
The content of the Site does not constitute an offer by us to sell products and services. Your request to purchase a product or service represents an offer by you that we may accept or reject and will be subject to the terms and conditions of that product or service.
The information and descriptions on the Site do not necessarily represent complete descriptions of all terms and conditions in relation to our products and services. Specific details will be included in the schedule of cover, policy documents and/or conditions of purchase issued to you.
You must ensure that the details you give to us while using this Site are correct and that all questions are answered fully to ensure you receive the level of coverage you require. You must also have sufficient funds to cover the cost of any product or service, which you intend to purchase. Failure to provide us with all the relevant and accurate information may jeopardise a claim.
Availability of the site
Whilst we take all reasonable steps to ensure the Site is always accessible we will not be held liable if, for any reason, the Site is unavailable for any period. We may also have to suspend access to the Site for routine or emergency updates and maintenance but we will endeavour to keep any disruption to a minimum.
In addition we cannot warrant that the Site will be free of viruses or defects of any description and we will not be held responsible for any technical problems you may suffer as a result of your use of the Site.
Use of First Title Insurance plc Online Services
You will be asked to register a username and password if you wish to purchase or obtain a quote for our product(s) through our Online Services. It is your responsibility to keep your username and password confidential, by:
- ensuring your Login details are kept secret;
- not allowing others to use your Login details;
- changing your Login password at regular intervals; and
- contacting First Title immediately if you believe your Login is being used by another party.
First Title reserves the right to withdraw access to the Site without prior notice if we believe that there has been a breach or abuse of the system.
By logging into our on line site you confirm that you are authorised by the Financial Services Authority or the Solicitors Regulatory Authority for the purchase of title insurance on behalf of your clients.
We aim to provide you with a first class service. However there may be times when you feel that we have not done so. If this were the case, we would rather be told about it so that we can do our best to solve the problem. If you have a complaint then please contact us at email@example.com and we will make sure that your complaint is considered immediately.
If there is a disagreement between us which we cannot resolve to your satisfaction you can refer any relevant complaint to the Financial Ombudsman Service (FOS) who, once contracted, will liaise with us on your behalf. FOS will then inform you directly of its decision. Referral to FOS will not prejudice your right to take subsequent legal proceedings. Its address is South Quay Plaza, 183 Marsh Wall, London E14 9SR (Consumer Helpline Telephone: 0845 080 1800).
Financial Services Compensation Scheme (FSCS)
We are covered by the FSCS and 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 advising and arranging is covered for 90% of the claim, without any upper limit.
Further information about compensation scheme arrangements is available from the FSCS http://www.fscs.org.uk/
Third Party Websites
This Site may also contain hypertext links to websites operated by third parties. The responsibility for the operation and content of those websites shall rest solely with the organisation identified as controlling the third party website and will be governed by the third parties' separate terms and conditions. Links are provided for convenience and inclusion of any link does not imply endorsement in any way of the site to which it links. We accept no responsibility or liability for the contents of any linked website, Site access or password usage.
You may not create a link to this website from another website or document without First Title's prior written consent
Whilst First Title uses all reasonable efforts to ensure that the information contained on the Site is current, accurate and complete at the date of publication, no representations or warranties are made (express or implied) as to the reliability, accurate or completeness of such information. First Title, therefore, cannot be held liable for any loss arising directly or indirectly from the use of, or any action taken in reliance on, any information appearing on the Site. Content and information provided by third parties other than First Title is identified clearly where it appears. We publish this content as supplied to us and are not responsible for its accuracy or timeliness. You must take appropriate steps to verify this information before acting upon it. In addition, no warranty is given as to the freedom of the Site from errors, defects, viruses or other malicious programs or macros.
Neither First Title Insurance plc nor any other Company in the First Title Group of Companies will be liable for any loss of use, profits, savings or data or any indirect, special or consequential damages or losses, whether such losses arise in contract, negligence or tort, including without limitation to the foregoing any losses in relation to your use of, reliance upon or inability to use the Site.
We shall not be liable for any loss or damage that you or a third party may suffer in connection with the Site in any way, including loss or damage due to viruses that may infect your computer equipment, software, data or other property or your downloading of any material. Nothing in these terms and conditions shall exclude or limit our liability for death, personal injury or fraud.