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Acceptance Please read the following terms and conditions carefully, by using this website you are deemed to have agreed to be legally bound by them. If you do not agree to accept the terms and conditions please do not use the website. United Kingdom Only The pages on this website are only directed at United Kingdom residents and comply with the appropriate UK legislation and regulation. Who regulates us? Pioneer is a trading name of Exeter Friendly Society Limited whose head office address is Lakeside House, Emperor Way, Exeter EX1 3FD which is authorised and regulated by the Financial Services Authority. Our FSA Register number is 205309. Our permitted business is arranging and insuring income protection and healthcare products. You can check this on the FSA’s Register by visiting the FSA’s website www.fsa.gov.uk/register ** or by contacting the FSA on 0845 606 1234. Advice If you have any doubt about the suitability of a product you should contact a financial adviser. Pioneer acts as insurer only and does not provide advice. What to do in the event of a complaint? If you wish to register a complaint, please contact us: …in writing at: Complaints Department …or by telephone on: 01225 752140 If you cannot settle your complaint with us, you may be entitled to refer it to the Financial Ombudsman Service. For further information you can write to: Financial Ombudsman Service Or telephone 0845 080 1800 Or visit their website www.financial-ombudsman.org.uk ** The Financial Services Compensation Scheme We are covered by the Financial Services Compensation Scheme. 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 100% of the first £2,000 and 90% of the remainder of the claim, without any upper limit. For further details you can write to: Financial Services Compensation Scheme Or telephone 020 7892 7300 Or visit their website www.fscs.org.uk ** Copyright Copyright in the whole and in every part of this website belongs to Pioneer and unless otherwise indicated may not be used, sold, licensed, copied or reproduced in whole or in part or in any manner or in or on any media by any person without the prior written consent of Pioneer. Accuracy of information While we have taken all reasonable precautions to ensure the accuracy of the information we cannot be held responsible for any errors or omissions. Availability We take all reasonable precautions to ensure that the website is available at all times. However the Society cannot accept responsibility in respect of any loss or damage arising out of the website being unavailable. Further we cannot warrant that this website will be free from viruses, defects or changes by unauthorised third parties. Consequently we cannot be held responsible in respect of any loss or damage arising out of such circumstances. Language and Law Applying This website uses English and correspondence and communications will be conducted in this language. The law and courts of England will apply in the event of any legal dispute. Other Websites and Information Security This Privacy Policy only applies to the Pioneer website. We have provided within our website links to other websites we consider may be of use to you. These will be subject to their own policies which may not be the same as ours. Please carefully read the privacy policies of these websites before submitting any personal data. We cannot accept responsibility for other websites as we have no control over them. You should be aware that communications including E mails over the internet are not secure unless they are encrypted. Pioneer cannot accept responsibility for any unauthorised access or loss of personal information which is beyond our control. Exclusion of Liability Pioneer will not be liable for any loss of use, profits, savings or data or any indirect, special or consequential damages, howsoever caused including such losses arising in contract, negligence and tort. However, nothing in these terms and conditions shall exclude or limit or restrict our duties and liabilities to you under the Financial Services and Markets Act 2000 or any other requirement relating to this Act. Variations The information on this website is correct at the time of issue, however, we reserve the right to change the content without prior notification. Contact details
Pioneer Tel: 01225 752140 Fax: 01225 775596 enquiries@pioneerprotection.co.uk ** Pioneer is not responsible for the content of external internet sites. |