Terms & Conditions
This website is owned and maintained by Island Heritage Insurance Company Ltd.
Use of our Site
By using the Islandheritageinsurance.com site (hereafter referred to as Site) means that you agree to the terms and conditions listed here.
The viewing and printing of individual pages is only for your own personal use. Many of the designs, logos, content and photographs on this Site are owned by or licensed to Island Heritage Insurance, and are protected by copyright, trademarks and other intellectual property rights. You may not copy, reproduce modify, distribute, republish, display, post or transmit any part of this Site without written permission of Island Heritage Insurance Company Limited.
You must not misuse our website by knowingly introducing viruses, Trojans, worms, logic bombs or other material which is malicious or technologically harmful. You must not attempt to gain unauthorised access to our website, the server on which our website is hosted or any server, computer or database connected to our website. You must not attack our website via a denial-of-service attack or a disrupted denial-of-service attack.
Any web-scraping of this website is strictly prohibited, as are automated programs, robots, web-crawlers, spiders and data miners are also prohibited from accessing this website or service.
- You agree not to receive, access or transmit any content or data which is in breach of confidence, in breach of any intellectual property rights or otherwise objectionable or unlawful.
- You agree not to circumvent any user authentication of this website nor any host, network or account nor interfere with service to this website nor knowingly or recklessly transmit any electronic content via this website which shall cause or be likely to cause detriment or harm in any degree to computer systems or networks owned by Island Heritage Insurance Company Ltd or any third party.
If you violate systems or network security, you may incur criminal and/or civil liability and Island Heritage Insurance Company Ltd may, in its absolute discretion, fully co-operate with investigations of suspected criminal violations and/or violation of systems or network security.
This Site may change at any time. If you use the Site after changes have been made, you will be bound by the new terms.
Information submitted by you
In order to apply for a quote for any product and/or service, you will need to answer a number of questions on this website. It is very important that you answer all questions truthfully and that you disclose all relevant facts. If you do not provide us with the information we have requested, or if you fail to tell us about any circumstance likely to influence our assessment of the risk involved, or any change in the facts supplied or your circumstances, it could invalidate your insurance. You warrant that you have taken all reasonable precautions to ensure that any data you submit is true and accurate
Links to Other Sites
This Site provides links to and content from other internet sites and resources. Island Heritage has no control over these sites and resources, therefore Island Heritage is not responsible for the availability of these external sites or resources, and does not endorse and is not responsible for any content, advertising products, services or materials on or available from these sites or resources.
Liability
We endeavor to ensure the accuracy of all content on this Site. However, we do not accept any liability for the use made by you of the content. The content of this Site should only be used for information purposes and you should not rely on it to make, or refrain from making, any decision or to take or to refrain from taking any action.
While we have taken all reasonable steps to ensure the accuracy and completeness of the content of this website, we exclude any warranties, undertakings or representations (either express or implied) to the full extent permitted under applicable law, that this website or (including without limitation) all or any part of the content or materials, accuracy, availability or completeness of the content of this website or any part of the content or materials are appropriate or available for use in jurisdictions where we provide our services. If you use this website from other jurisdictions, you are responsible for compliance with applicable local laws. Please note that we do not check or endorse information submitted by third party providers for inclusion on the website, particularly information or quotations collected from the product and service providers presented on the results page.
To provide increased value to users of this website, we may provide links to other third party websites or resources for you to access at your sole discretion. You acknowledge and agree that, as you have chosen to enter the linked website we are not responsible for the availability of such external sites or resources, and do not review or endorse and shall not be responsible or liable, directly or indirectly, for (i) the privacy practices of such websites, (ii) the content of such websites, including (without limitation) any advertising, content, products, goods or other materials or services on or available from such websites or resources or (iii) the use that others make of these websites or resources, nor for any damage, loss or offence caused or alleged to be caused by, or in connection with, the use of or reliance on any such advertising, content, products, goods or other materials or services available on such external websites or resources.
- The above limitation or exclusion may not apply to you to the extent that applicable law may not allow the limitation or exclusion of liability for incidental or consequential damages.
- This website contains links to other websites which are hosted and maintained by third parties. We have no control over the content or security of any such site. You link to such websites at your own risk, and we make no representations regarding the content of any such website. We will not be liable for any loss or damage which may arise from the use of such third party websites.
The Site is for your personal use and is not to be used for any commercial purpose. Island Heritage Insurance Company Limited will not responsible for in any circumstances for your loss of profits. Island Heritage Insurance Company Limited will also not be responsible for any loss including wasted expenditure, corruption or destruction of data.
Island Heritage Insurance Company Limited is not liable for any damages or losses resulting from your inability to use this Site. Island Heritage Insurance Company Limited cannot guarantee that the Site will be uninterrupted or entirely error free. Because of the nature of the Internet, this Site is provided on an “as available” basis. Island Heritage Insurance Company Limited will not be responsible to you if we Island Heritage Insurance Company Limited is unable to provide the Site for any reason.
Your information
Our commitment to you
The security and confidentiality of your personal information is very important to us. We will only use your information in ways that are fair and in accordance with this section. We will comply at all times with the Data Protection laws of the jurisdictions in which we operate.
”May we quote you” is an internet-based service and we will use email as our main method of communication with you. When you use our website to generate quotations we will send you an email as part of this process. These emails will be sent if you part save your quote details and/or once you have completed the full quote details and generated a list of premiums. These emails are to assist you in using our website to find the best policy for you.
Who we are
We are Island Heritage Insurance Company Ltd, the data controller. We are responsible for protecting the personal information you provide.
Changes in the way we use your information
We may occasionally change the way we use your information. Island Heritage reserves the right to update the Your Information section of our website from time to time to reflect these changes. Please check the section periodically to review any changes since your last visit. Where the changes are fundamental, we will notify you by email. By continuing to use the Island Heritage website you acknowledge that you accept these changes.
Where we obtain your information from
The information collected about you by this website may include: your name, address, user name and password, answers to security questions, email address, telephone number and date of birth. We will obtain most of your personal information during the registration process but may also collect personal information each time you use the website.
We may obtain information about you from the product providers generating a quotation for you as part of our service. The providers may from time to time send us information relating to your quotation to enable us to carry out analysis on their behalf. The results of this analysis may be passed back to the providers.
Your Information includes any information we hold now or in the future including details of any dealings with us and of transactions you have made.
If you contact us electronically, we may collect your IP address (the numeric address that is allocated to your computer when connected to the Internet) or telephone number supplied by your Internet service provider.
Using and Sharing Your Information
We may use and share your information to help us and them:
- assess financial and insurance risks;
- recover debt;
- develop our services, systems and relationship with you;
- prevent and detect crime.
We will not give anyone your information except:
- where we have your permission; or
- where we are required or permitted to do so by law; or
- to other companies who provide a service to us or you; or
- where we may transfer rights and obligations under this agreement.
We may from time to time transfer your information to suppliers (e.g. for statistical analysis) in countries that may not have laws offering similar protection to that offered by your country’s Data Protection laws. If we do this, we will require contractual commitments that anyone to whom we pass it provides an adequate level of protection.
With Product Providers. We will pass your information to the insurance and financial services providers linked to our service for the purposes of the service you request. They will use your information to generate a quotation based on the information you provide and may use credit scoring. If your car insurance search results in a limited number of quotes being returned, it may be that you have individual or particular requirements that need more specialist cover. To assist you, we may pass your data to our partner, Call Connection. Call Connection may telephone you to let you know about other insurance providers who may be able to give you a quote. We will only deal with providers who have given us a contractual commitment to use your information fairly and in accordance with the Data Protection laws. We are not however liable for the manner in which the providers linked to our service use or process your information.
Your rights
Requesting your information. You are entitled to a copy of the information we hold about you. If you would like a copy of your information, please write to us at the address below enclosing a cheque for the statutory fee of $10:
The Compliance Officer
We cannot provide you with the information held by the product providers linked to our service but you have the right to request the information they hold about you directly from them.
Keeping you informed. We will use email to keep you up to date with products, services and special offers available from Island Heritage and our partners. We may also occasionally use post, phone or mobile messaging (like SMS). We do not pass your personal information to other companies for them to market to you. If you would prefer not to receive this information or wish to update your own contact preferences please click here.
You have the right to ask us to stop sending you promotional information at any time and all emails will contain an unsubscribe function.
Giving your consent
By using the website you acknowledge that you have read and understood this section and agree to the use of your personal information as outlined.
Advice
The contents of this website do not purport to provide any financial, investment or professional advice and nothing on the pages of this website shall be deemed to constitute the provision of financial, investment or other professional advice in any way.
Regulatory Information
Island Heritage Insurance Company Ltd is authorised and regulated by the Cayman Islands Monetary Authority and the equivalent insurance regulatory bodies in all the jurisdictions where it conducts business.
If you are not satisfied with any of Island Heritage Insurance Company Ltd's products or services we have a complaint handling procedure that you can use to resolve such matters. Please contact us at complaints@islandheritage.com.ky
Governing law
The terms and conditions of use of this website are governed by the laws of the Cayman Islands and any dispute regarding this website shall be subject to the exclusive jurisdiction of the Cayman Islands courts.
Changes to the website
The contents of this website, including these terms and conditions of use, are subject to change by us without notification.
Termination
We may terminate or suspend your access to this website and the services within it at any time. All disclaimers, indemnities and exclusions in these terms and conditions shall survive termination of the agreement between us for any reason.