Terms & conditions

Introduction

Your privacy is very important to us. We want to assure you that any personal information we hold will be kept safe and properly managed. We will never sell your personal information to third parties.

General

This website ("Website") is provided by Tapoly Ltd whose details are set out on the Website (as may be amended from time to time). Tapoly Ltd and its subsidiaries are referred to either as "Tapoly" or "we", "our" and "us".

Tapoly Ltd is company number 10340563, registered in England and Wales. Registered address is Suite 2, 5 Percy Street, London, W1T 1DG.

Tapoly Ltd is an insurance intermediary authorised and regulated by the Financial Conduct Authority (FCA) under registration number (FRN) 783637. You can check this information on the Financial Services Register by visiting the FCA's website or by contacting the FCA on 0800 111 6768 (freephone) or 0300 500 8082. The FCA requires us to give you information to help you decide if our services are right for you.

These are the terms and conditions ("Website Terms") which apply to your use of this website, and our obligations as an insurance intermediary. Please read them carefully and if you have any questions or issues, please get in touch by contacting us

By using this website you are deemed to have read and accepted:

  • these Website Terms; and
  • our Privacy Notice which sets out how we collect, retain and process your personal data and the security standards that we apply.

Please note that this Website is intended for use by residents of the United Kingdom whilst in the United Kingdom only. For the avoidance of doubt none of the information on this Website constitutes an offer to contract in any country in which it is available including the UK. These Website Terms are in addition to any terms of business which you may have as a direct customer ("Direct Terms of Business") and in the event of any conflict between these Website Terms and any Direct Terms of Business, the terms and conditions of the Direct Terms of Business shall prevail. 

Any products or services acquired by you through this Website will be subject to their own terms and conditions which you must also read. In the event of any conflict between these Website Terms and the terms and conditions of any products or services, the terms and conditions of those products or services shall prevail and where applicable the Direct Terms of Business.

Third Party Websites

This Website may also contain hypertext links to, or information from, websites operated by third parties (meaning persons or companies other than Tapoly). Where the Website includes any such information and/or links these are for information purposes only and Tapoly makes no representation whatsoever about any such link, website or content and is in no way liable or responsible for such link, website or content. Separate terms and conditions may also apply to such websites.

Terms and Conditions of our Products and Services

The Website content does not constitute an offer by Tapoly to sell products and services to everyone who wishes to purchase. You should be aware that Tapoly retain the right to accept or reject any request to buy the products or services, and any purchase made through the Website will be subject to the terms and conditions of that product or service.

The information and descriptions of the products and services on the Website may not represent full or total descriptions of all terms and conditions relating to those products and services. Further details will always be included in your schedule of cover, policy documents and/or conditions of purchase.

It is your responsibility to ensure that the details you give to us while using this Website are accurate and complete. Also you must make certain that you have sufficient funds to cover the cost of any product or service you purchase.

Products offered by Tapoly

We are an insurance intermediary, and act on behalf of the insurers whose products we sell. Products are only offered to you from:

  • Beazley Syndicates 623/2623 at Lloyd's
  • ARAG plc on behalf of Brit Syndicate 2987 at Lloyd's
  • Faraday Underwriting Limited on behalf of Syndicate 435 at Lloyd's

What service do we provide?

You will not receive any advice or recommendations from us. We will ask some questions to narrow down the selection of products. You will then need to make your own choice about how to proceed.

The information contained on this Website is provided for information purposes only and cannot be regarded as constituting advice or recommendations (professional or otherwise). Tapoly will use reasonable care and skill to ensure that information contained on this Website is accurate at the date of publication. However, because of the nature of the internet, information on the Website may not always be accurate or complete.

Your obligations to us

You have an obligation to provide accurate information in response to our questions and to take care not to make a misrepresentation in connection with your policy.

You have an obligation to pay premiums and fees you are contracted to.

Once cover has been arranged, you must immediately notify us of any changes to the information that has been previously provided. The most serious consequence of failing to provide full and accurate information before you take out insurance, or when your circumstances change, could be the invalidation of your cover. In that instance it would mean that a claim will be rejected.

Paying for your policy

If you choose to pay your policy using Tapoly's monthly payment option, you give consent for your payment card to have pre-agreed amounts taken from it each month by us. The amounts may vary if you make changes to your policy mid-term, but these will always be outlined to you on the website before the change is made.

If you are not the card or bank account holder you must ensure that the card/account holder has agreed to having insurance payments taken from their card, and must advise them if you make a change to the policy that results in a change in monthly payment.

If new card details are provided at any time during the course of your policy, any monthly payment or automatic renewal authority (see Automatic Renewal section of this page) will switch to the new card details.

Refunds

At Tapoly we believe that you should be able to change your insurance if your needs change. We therefore allow you to cancel your policy and receive a refund in the following circumstances:

  • If your insurance policy hasn't started yet, you can cancel a future insurance policy at any time and receive a full refund.
  • If your insurance policy has already started, you can cancel a current insurance policy and receive a refund for any unused days. For example, if your policy is for 10 days, and you cancel on day four, you would receive a refund for six unused days.
  • Please note that if you buy an insurance policy that starts today, your cover starts immediately. This means that if you cancel it on the same day, one day has already been used and you will only receive a refund for the remaining unused days of the policy.

Insurer Security

While we monitor the financial strength of the insurers with whom we place business it should be noted that the claims-paying ability of even the strongest insurers could be affected by adverse business conditions. Therefore, we cannot guarantee the solvency of any insurer or underwriter. A liability for the premium, whether in full or pro rata, may arise under policies where a participating insurer becomes insolvent.

What will you have to pay us for our services?

We will earn a commission from the insurer on each policy sold. This will be included in any price quoted to you. Tapoly does not charge any additional fees.

Documents

Your insurance documents will be available for immediate download once you have purchased the insurance policy. An email will be sent to you with instructions on how to access your Tapoly dashboard where the documents are kept. If you have any difficulty accessing your Tapoly dashboard, please contact customer support via email, phone, or online chat.

Your Tapoly account is accessed using your email address. Because of this, you must give us a valid email address. Please check your spam filters to ensure emails from tapoly.com can be received.

Automatic renewal

To make renewal easier for you, if you have given us permission your policy will be renewed automatically using the payment details you have previously given.

We will only automatically renew your policy after issuing you with a renewal notice approximately 21 days before the end of your policy. If you do not want us to automatically renew your cover, you can change your renewal settings in your Tapoly dashboard at any time up to the day before your policy renews.

Please check your renewal notice for further details when it is available to you.

Availability and Access

Tapoly will try to ensure that this Website is accessible for 24 hours a day. We may suspend, withdraw, discontinue or change all of part of our site without notice. We will not be liable if, for any reason, the Website is unavailable for any time or for any period.

Tapoly does not guarantee that this Website will be secure or free of from bugs or viruses, worms, trojans or technical defects of any description, and accepts no responsibility for any technical problems arising from your use of this Website. You are responsible for configuring your information technology, computer programmes and platform in order to access our site. You should use your own virus protection software. At any time, access to and use of certain parts of this Website may be restricted to registered users, to which further terms governing access may apply. When applicable, such terms shall be drawn to your attention during the registration process. Tapoly may, at its sole discretion refuse to register a user or to provide access to certain parts of the Website to certain users, without providing reasons for doing so.

Amendments

Tapoly reserves the right to make amendments and changes to the information on the Website and any references to details of products or services, including pricing, are subject to change without notice.

We do not guarantee that our site, or any content on it, will be free from errors or omissions.

Variation

Tapoly reserves the right to make amendments and changes to these Website Terms without notice to you from time to time to reflect changes in market conditions affecting Tapoly's business, changes in technology, changes in payment methods, changes in relevant laws and regulatory requirements, and any other changes.

Any such amendment shall be effective once the revised terms and conditions have been posted on the Website. You shall be responsible for reviewing the terms and conditions of the Website each time you use the Website and we will treat your use of the Website as signifying your acceptance of the Website Terms applicable at the time you access the Website.

Security

Tapoly will take all reasonable steps to ensure that any information you provide (via email or otherwise) as a result of your access to this Website is kept secure, but please remember that, because of the nature of the internet, the security of emails cannot be guaranteed. There is no guarantee that any emails you send will be received by us.

Password Usage

In some areas on the Website you will be given the opportunity to register with us. It is your responsibility to maintain the confidentiality of your details and your password and to restrict access to your computer to prevent unauthorised access to your account.

We have the right to disable any user identification code or password, whether chosen by you or allocated by us, at any time, if in our reasonable opinion you have failed to comply with any of the provisions of these Website Terms.

You must inform us promptly if you have reason to believe that your password is being used in an unauthorised manner.

Liability

Nothing in these terms and conditions shall exclude Tapoly's liability for death or personal injury resulting from Tapoly's negligence, or for fraud or fraudulent misrepresentation.

All warranties, conditions, representations , whether express or implied, which may apply to this Website and its content are excluded from these Website Terms to the extent that they may be excluded as a matter of law.

Tapoly shall not be liable for any loss or damage, even if foreseeable, arising out of or in connection with:

  • use of, or inability to use this Website; or
  • use or reliance on any content displayed on this Website.

We will not be liable for any loss or damage caused by a virus, distributed denial-of-service attack, or other technologically harmful material that may infect your computer equipment, computer programs, data or other proprietary material due to your use of our Website or to your downloading of any content on it, or on any website linked to it.

Please note that in particular, we will not be liable for:

  • loss of profits, sales, business, or revenue;
  • business interruption;
  • loss of anticipated savings;
  • loss of business opportunity, goodwill or reputation; or
  • any indirect or consequential loss or damage.

Tapoly will not be responsible for any breach of these Website Terms caused by circumstances beyond its reasonable control.

You shall be liable for and shall be responsible to Tapoly for all losses and expenses which arise out of your breach of these Website Terms.

Your use of the Website

The Website is intended for your personal non-commercial use only. Interference or entry to the Website with intent to corrupt, damage or deny service from the Website or for commercial benefit is taken seriously and we will take any action necessary to protect the Website from such activities. You acknowledge that damages may not be an adequate remedy for any infringement and that we are entitled to the remedies of injunction, specific performance, an order to deliver up materials which infringe our intellectual property rights and any other statutory or equitable relief and that no proof of special damages is necessary for reliance on such remedies.

Our remuneration

Tapoly earns a commission on any product sold via its website. This commission is included in the prices shown. Tapoly does not charge any additional fees.

Copyright and other Intellectual Property Rights

Tapoly owns the copyright and all intellectual property rights existing on or within this Website (including but not limited to all database rights, trade marks, registered and unregistered trade marks, service marks and logos). Nothing in the Website shall confer on any person any licence or right with respect to any such intellectual property. Tapoly's name may not be used in any way, including in advertising or publicity pertaining to distribution of Information without our prior written consent.

The images, logos and names on the Website which identify Tapoly as the provider of products and services are the proprietary marks of Tapoly, as the case may be. Nothing in the Website shall confer on any person any licence or right with respect to any such image, logo or name.

You are not permitted to download, print, redistribute or extract any information from this Website other than for your personal, non-commercial use.

You are not permitted to reproduce, copy, redistribute, modify or in any way change any of the information available on this Website. If you print off, copy or download any part of our site in breach of these terms of use, your right to use our site will cease immediately and you must, at our option, return or destroy any copies of the materials you have made.

Data Protection

Any personal information you supply to Tapoly via this Website will be treated in accordance with the Data Protection Act 2018 and GDPR. For more details see our privacy notice.

Communications

Applicable laws may require that certain information or communications be in writing. When using the Website, you accept and agree that communication with Tapoly may be electronic. Tapoly may contact you by email or provide you with information by posting notices on this Website. For any contractual purposes, you agree to electronic means of communication and you acknowledge that all contracts, notices, information and other communications that Tapoly provides to you electronically comply with any legal requirements that such communication be in writing. This provision does not affect your statutory rights.

Severability

If any of these terms and conditions are determined to be illegal, invalid or otherwise unenforceable by reason of the laws of any state or country in which such terms and conditions are intended to be effective, then to the extent of such illegality, invalidity or unenforceability, in relation to such state or country only, such terms or conditions shall be deleted and severed from these terms and conditions and the remaining terms and conditions shall survive in full force and effect.

Waiver

If Tapoly fails at any time to insist upon strict performance of any of your obligations under these Website Terms, or if Tapoly fails to exercise any of its rights or remedies to which Tapoly is entitled under these Website Terms, this shall not constitute a waiver of such rights or remedies and shall not relieve you from compliance with such obligations.

Entire Agreement

These Website Terms and any documents referred to in these Website Terms set out the whole of Tapoly's agreement relating to your use of this Website along with other terms and conditions that relate to any product or service obtained through this Website. Nothing said by any sales person on Tapoly's behalf should be understood as a variation of these Website Terms.

Applicable Law

If you are a consumer, please note that these Website Terms and governed by English Law. You and we both agree that the courts of England and Wales will have non-exclusive jurisdiction. Please note that these Website Terms, and the subject matter and formation of these Website Terms, are governed by English law. You and we both agree to that the courts of England and Wales will have non-exclusive jurisdiction. However, if you are a resident of Northern Ireland you may also bring proceedings in Northern Ireland, and if you are resident of Scotland, you may also bring proceedings in Scotland.

Contacting Us

Questions, comments and requests are welcomed, and you should get in touch by contacting us.

Complaints

We know that sometimes things go wrong and, in the unlikely event this happens, we want to put it right. As a valued client of Tapoly, we want you to tell us if our advice or service does not meet your expectations. We take all client dissatisfaction seriously and seek to use the lessons learned to improve the way we do things. Please visit our complaints page for details.