Terms of Use

Unless otherwise indicated, the Site is our proprietary property and all source code, databases, functionality, software, website designs, audio, video, text, photographs, and graphics on the Site (collectively, the “Content”) and the trademarks, service marks, and logos contained therein (the “Marks”) are owned or controlled by us or licensed to us, and are protected by copyright and trademark laws and various other intellectual property rights and unfair competition laws of the United Kingdom, the United States, foreign jurisdictions, and international conventions.

General Information Only: The information provided on this Site is for general informational purposes only. It does not constitute, and must not be relied upon as, insurance, financial, legal, tax, or other professional advice. No Broker-Client Relationship via Website: Accessing the Site, submitting an enquiry, or requesting information through the Site does not, of itself, create a broker-client relationship. No Binding Advice / No Cover Bound Online: Any commentary, guidance, calculators, indicative premiums, or other information on the Site is non-binding and may be withdrawn or amended at any time. No insurance cover is bound, varied, or confirmed unless and until we have expressly agreed this in writing (including by email) and, where applicable, the insurer has accepted the risk and issued cover documentation. All cover is subject to the insurer’s terms, conditions, exclusions, warranties, and premium payment requirements. FCA Authorisation: C.J. Coleman is authorised and regulated by the Financial Conduct Authority (“FCA”). You can check our details on the Financial Services Register at https://register.fca.org.uk. Lloyd’s / London Market (If Applicable): Where we place business into the Lloyd’s market or other London Market insurers, we do so in accordance with applicable market rules and insurer requirements. Cover may be arranged with UK and/or overseas insurers, including those in the Lloyd’s market, subject to availability and acceptance. Scope of Services: Our regulatory permissions and the services available to you depend on the nature of the transaction and your location. If any service is not available to you due to regulatory restrictions, we will let you know.

Holding Client Money: We may handle client money in relation to insurance transactions. Non-Statutory Trust Accounts: Where we hold client money, it is held in one or more client bank accounts as agent of the insurer(s) and/or under a non-statutory trust in accordance with the FCA’s Client Assets Sourcebook (“CASS”) rules. This means client money is segregated from our own funds. Interest: Unless we agree otherwise in writing, any interest earned on client money held by us will be retained by us. Risk of Bank Failure: Client money is held with an approved bank. In the unlikely event of a bank failure, there may be a shortfall. Client money may be protected by the Financial Services Compensation Scheme (“FSCS”) depending on the circumstances.

You acknowledge and agree that C.J. Coleman may use automated systems, algorithms, and artificial intelligence to process your information, determine eligibility for insurance products, provide quotes, or assess coverage levels. These automated processes may evaluate risk factors based on the data you provide. Under certain jurisdictions (including the UK GDPR and EU GDPR), you may have rights to request human intervention or contest decisions based solely on automated processing. Please refer to our Privacy Policy for more information on how to exercise these rights.

C.J. Coleman is based in the United Kingdom and provides services globally, including in the United States (specifically serving clients in California, Georgia, New York, Nebraska, Florida, and Texas) and the European Union. We make no representation that the Site or its Content is appropriate or available for use in other locations. Those who choose to access the Site from other locations do so on their own initiative and are responsible for compliance with local laws.

Your use of the Site is also subject to our Privacy Policy. Please review our Privacy Policy, which governs the collection and use of your data. Microsoft Data Storage Locations: Exchange (email), OneDrive, and SharePoint data are stored in the UK. Microsoft Teams chat and channel data are stored in Europe. Cloudflare is used for DNS records only and does not process personal data.

For matters regarding data protection, please contact our Data Protection Officer (DPO): DPO: Jim Foster Email: jim.foster@cjcoleman.com Address: 2-4 Idol Lane, London EC3R 5DD, United Kingdom.

You may not access or use the Site for any purpose other than that for which we make the Site available. The Site may not be used in connection with any commercial endeavors except those that are specifically endorsed or approved by us. Prohibited activities include, but are not limited to: -Systematically retrieving data or other content from the Site to create or compile a collection, compilation, database, or directory without written permission from us. -Circumventing, disabling, or otherwise interfering with security-related features of the Site. -Using the Site to advertise or offer to sell goods and services. -Engaging in unauthorised framing of or linking to the Site. These Terms and Conditions and your use of the Site (and any non-contractual obligations arising out of or in connection with them) are governed by and construed in accordance with the laws of England and Wales. The courts of England and Wales shall have exclusive jurisdiction. Complaints: If you wish to make a complaint, please contact us in the first instance please contact us using the details at the end of these Terms and Conditions, marking your correspondence for the attention of Jim Foster. Please provide your name, policy/quote reference (if applicable), and a summary of your complaint. Our Process: We will acknowledge your complaint promptly and investigate it fairly and consistently. We aim to provide a final response within eight (8) weeks of receiving your complaint. If You Remain Unhappy: If you are not satisfied with our final response, or if we have not provided a final response within eight (8) weeks, you may be able to refer your complaint to the Financial Ombudsman Service (“FOS”), subject to eligibility. You can find more information at https://www.financial-ombudsman.org.uk. Other Rights: Nothing in these Terms limits any rights you may have to bring proceedings or to seek other remedies available under applicable law. Credit Broking: Where we introduce you to a premium finance provider or other credit provider to enable you to pay insurance premiums by instalments, we may be acting as a credit broker (not a lender). Credit is subject to status and affordability checks, and the lender will provide you with the terms of any credit agreement. Where you choose to pay your premium by instalments, we will arrange this through a premium finance provider. Full details of the provider, commission, and applicable charges will be provided to you at the point of introduction, and any cancellation or refund terms will be set out in your premium finance agreement. Premium Finance Agreements: If you choose to pay by instalments, you will enter into a separate credit agreement with the finance provider. You will be responsible for making payments due under that agreement. Failure to maintain payments may result in the finance provider cancelling the finance agreement and/or the insurer cancelling the policy, which may affect your cover and may leave you liable for any outstanding balance. Fees / Commission: We may receive a commission or other remuneration from insurers and/or premium finance providers. Where required, we will provide details of our remuneration on request and/or as part of our disclosure obligations. In no event will we or our directors, employees, or agents be liable to you or any third party for any direct, indirect, consequential, exemplary, incidental, special, or punitive damages, including lost profit, lost revenue, loss of data, or other damages arising from your use of the site, even if we have been advised of the possibility of such damages. We reserve the right to change, modify, or remove the contents of the Site at any time or for any reason at our sole discretion without notice. We also reserve the right to modify or discontinue all or part of the Site without notice at any time. We will not be liable to you or any third party for any modification, price change, suspension, or discontinuance of the Site. In order to resolve a complaint regarding the Site or to receive further information regarding use of the Site, please contact us at: C.J. Coleman Attention: Jim Foster (DPO) Address: 2-4 Idol Lane, London EC3R 5DD, United Kingdom. Email: jim.foster@cjcoleman.com