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Terms of use

  1. Terms of use

    1. In these terms of use the following mean:
      1. Azur, we, our, us – Aztech Advantage Limited.
      2. Broker Hub – our broker platform located on our extranet, accessed from the Website.
      3. Privacy Policy – our privacy policy which can be found here.
      4. Website – means www.azuruw.com and the Broker Hub.
      5. You, your – an individual accessing the Broker Hub and/or Website.
    2. This Website is owned and operated by Aztech Advantage Limited, a private limited company registered in England and Wales under company number 10501345 whose registered office is First Floor, Templeback, 10 Temple Back, Bristol, BS1 6FL. Our VAT number is GB24757762.
    3. Your use of the Website is subject to these website terms of use (Terms). Please read them carefully before using the Website and Broker Hub. If you do not agree to these Terms, please do not use the Website or the Broker Hub.

  2. Description of services

    We offer you access to the Website to make use of mutual business opportunities between you and us by providing you with a variety of services including, but not limited to, making payment to us, managing policies online, comparing Azur product information, conduct quotes (the “Services”). The Services may change from time to time as our discretion sees fit.

  3. Individual user agreement

    1. By using the Website and the Broker Hub, you hereby agree to be bound by these Terms. If you do not agree to these Terms, you should not use the Website or the Broker Hub. You are advised to check these Terms each time you revisit the Website.
    2. We reserve the right to change these Terms at any time and you are advised to review the Terms regularly to ensure that you are aware of any changes. Your continued use of the Website after such changes are posted will be deemed agreement on your part to these Terms, as amended.
    3. By accessing the Broker Hub, you agree to the following terms and conditions:
      1. You may only use the user name and password allocated to you to access the Broker Hub.
      2. You must not disclose to or share with any other person your allocated user name or password.
      3. You agree to comply with any terms, conditions or instructions set out from time to time on the Broker Hub or on the pages from which the Broker Hub is accessed
      4. You must report promptly any misuse of the Broker Hub, passwords or user names to Azur
      5. You must input data accurately and truthfully.
      6. You may only access data and records on the Broker Hub relating to policyholders or customers of the Intermediary that you are employed by.
      7. You must not access the Broker Hub if you cease to work for the Intermediary or if Azur or the Intermediary removes your access for any reason.

  4. Purchase of products

    1. Part of the Services we offer to you is the supply of pre-policy documentation and information including policy summaries (“Pre-policy Documents”). The Pre-policy Documents have been created for or by Azur and form part of Azur’s intellectual property.
    2. We provide you with the Pre-policy Documents on a non-exclusive, royalty-free basis to help you develop and support your business needs, or that of your employer, by providing you with material which can be used to help you retain and create new business.
    3. You are permitted to download, print and distribute as many copies of the Pre-policy Documents as you require for your business use.
    4. You are permitted to download, print and order as many copies of the Pre-policy Documents as you require for your business use.
    5. You will not allow a third party who has not got access to the website to download, amend, print or use the Pre-policy Documents whatsoever unless permission has been sought from us beforehand.
    6. Please be aware that although all reasonable care is taken with the Pre-policy Documents, we do not warrant the content, accuracy or veracity of the marketing material and policy documents and it is your responsibility to ensure that such information meets your needs.
    7. The purchase of any insurance product(s) available through the Broker Hub will be subject to these Terms, the TOBA (as defined below) and the relevant schedule/policy terms and conditions. You, solely, are responsible for deciding whether any such products or services are suitable for your purposes. Please read the relevant certificate/policy terms and conditions carefully before purchasing any insurance certificate/policy from this Website.

  5. Sanctions

    We reserve the right to reveal your activity to the Intermediary and/or deny or suspend, at our sole discretion, access to the Website or any of its services without reason or notice, but will only do so if we deem it necessary to stop or prevent an intentional breach of the terms or behaviour we consider to be inappropriate. We also reserve the right to reveal your identity, whether in our opinion, or when requested to do so by a court of competent jurisdiction or a law enforcement agency, if we have good reason to believe that you have breached one or any of the terms.

  6. Indemnity

    You agree to indemnify us and keep us indemnified (including our successors and assigns, our directors, officers, employees and agents) from and against all liabilities, claims, losses, costs, damages and expenses including reasonable legal fees which are reasonably incurred by us (including our successors and assigns, our directors, officers, employees and agents) arising from your use of the Services, your connection to the Website, your violation of the Terms, or your violation of any third party rights.

  7. Intermediary user agreement

    1. These terms automatically apply to any Intermediary whose staff or employees access the Broker Hub.
    2. If the Intermediary does not agree to these Terms, you must not use the Broker Hub.
    3. Any business conducted through the Broker Hub will be governed by such terms of business agreement (“TOBA”) as is in force between Us and the Intermediary as at the time that the business is conducted.
    4. The Intermediary must ensure that any members of staff who have access to the Broker Hub comply with these Terms.
    5. The Intermediary must ask Azur to delete access when a member of staff who has been given access to the Broker Hub leaves the employ of the Intermediary or otherwise no longer has a business need for access to the Broker Hub.
    6. The Intermediary must ask Azur to delete access when a member of staff who has been given access to the Broker Hub leaves the employ of the Intermediary or otherwise no longer has a business need for access to the Broker Hub.
    7. Access to the Broker Hub may not be transferred or assigned by the Intermediary to any other person or organisation.

  8. Performance of the Broker Hub

    1. We do not make any warranties regarding the performance or availability of the Broker Hub.
    2. Except for conditions implied by law which cannot be excluded, we shall not be liable for any breakdown, malfunctioning or non-availability of the Broker Hub and we shall not responsible for any loss, damage, cost or expense incurred by the Intermediary as a result of any error, omission or misrepresentation in relation to the Broker Hub.
    3. Azur is not liable to the Intermediary, you or anyone else if interference with or damage to computer systems occurs in connection with the use of the Broker Hub. The Intermediary must take its own precautions to ensure that its use of the Broker Hub is free of viruses or anything else that may interfere with or damage the operations of the Intermediary’s computer systems.

  9. Accessing our website

    1. Access to our Website is permitted on a temporary basis and we reserve the right to suspend, withdraw, discontinue or change all or any part of our Website without notice. We will not be liable to you if for any reason our Website is unavailable at any time or for any period.
    2. We may update our Website from time to time, and may change the content at any time. The content on our Website is provided for general information only. It is not intended to amount to advice on which you should rely. You must obtain professional or specialist advice before taking, or refraining from, any action on the basis of the content on our Website.
    3. Although we make reasonable efforts to update the information on our Website, we make no representations, warranties or guarantees, whether express or implied, that the content on our Website is accurate, complete or up-to-date.
    4. If we permit you to post or provide any information on or via this Website, you must ensure that such information does not contravene any applicable laws or infringe any person's legal rights. We do not monitor or edit documents or files posted or provided to us by third parties and accordingly we do not accept any responsibility for any damage or loss you may suffer.
    5. You agree that you will not:
      1. attempt to decompile, reverse engineer, disassemble or otherwise to derive source code from the Website other than in circumstances expressly permitted by statute;
      2. tamper with, hinder the operation of, make unauthorised modifications to the Website including attempting to interfere with the access of any user, host or network;
      3. use the Website for any activities which breach any laws or regulations or infringe any third party rights;
      4. upload any content that shall violate, misuse or impair the intellectual property or ownership rights of any third parties or which is obscene, indecent, pornographic, seditious, offensive, defamatory, threatening, liable to incite racial hatred, menacing or blasphemous;
      5. remove, obscure, or alter any copyright notices, trademarks, or other proprietary rights notices of ours or any third party;
      6. use the personal information of another person in order to access or use the Website;
      7. transmit any bug, virus or other disabling feature to or through the Website; and
      8. you are responsible for all activity and the accuracy of all information and requests sent by you (such as when you fill in a form on the website).
    6. You are responsible for using adequate security measures to prevent unauthorised access to the Website and shall notify us promptly if you become aware of such access. You will indemnify us against any loss caused by access to the Website by any person (except us or our employees or representatives) of user names and passwords issued to you.
    7. On any employee leaving your company you will immediately inform your business development manager so that their access can be revoked. You will indemnify us against any loss caused to the website by any ex-employee who has not been notified to the business development manager for their access to be removed.

  10. Intellectual property rights

    1. We are the owner or the licensee of all intellectual property rights in our Website, and in the material published on it. Those works are protected by copyright laws and treaties around the world. All such rights are reserved. If you are the owner of any intellectual property rights comprised in any information or data that you upload to the Website, you agree to grant us an irrevocable, non-exclusive and royalty-free licence to continue to use such information or data as part of the Website, subject to our compliance with data protection legislation. You agree to waive any and all moral rights in such material. You agree that any new data or insights generated through our analysis of your engagement and interaction with the Website, including analysis of metadata associated with such interaction, shall be owned by us, subject to our compliance with data protection legislation. Please see the Privacy Policy for further detail about our generation and usage of statistical data.
    2. You may save and print copies of extracts from this Website in hard copy for your personal use or the use of others within your organisation.
    3. You may supply a copy of any extract from this Website to an individual third party for their personal use only, provided that:
      1. you acknowledge that this Website is the source of the extract, and include the address of the Website and the date of the extract in any such copy;
      2. you inform the third party that these licence conditions apply to him and he must comply with them
      3. you copy the extract in full with no amendment or editing;
      4. the extract is not supplied for any commercial purpose or for a fee; and
      5. the extract is not incorporated in any other work or publication.
    4. If you wish to reproduce or use information from this Website beyond the Terms of this licence, please contact us for express consent. You can do this by addressing your request to website@azuruw.com.

  11. Liability

    1. We provide the Website on an “as is” and “as available” basis and to the fullest extent permissible by law we do not guarantee that our Website will meet particular requirements, or be available, accessible, uninterrupted, timely, secure or operate without error, or that it will be free from viruses, worms, trojans or other harmful elements. We recommend that you protect your equipment by having appropriate anti-virus software in place.
    2. Where our Website contains links to other sites and resources provided by third parties, these links are provided for your information only. We have no control over the contents of those sites or resources so we assume no responsibility for the content of such sites. Such links should not be interpreted as endorsement by us of those linked websites. We will not be liable for any loss or damage that may arise from your use of them.
    3. To the extent permitted by law, we exclude all conditions, warranties, representations or other Terms which may apply to our Website or any content on it, whether express or implied.
    4. We will not be liable to any user for any loss or damage, whether in contract, tort (including negligence), breach of statutory duty, or otherwise, even if foreseeable, arising under or in connection with use of, or inability to use, our Website; or use of or reliance on any content displayed on our Website. In particular, we will not be liable for:
      1. loss of profits, sales, business, or revenue;
      2. business interruption;
      3. loss of anticipated savings;
      4. loss of business opportunity, goodwill or reputation; or
      5. any indirect or consequential loss or damage.
    5. Nothing in these Terms is intended to exclude or limit for any liability that cannot be excluded or limited by law.

  12. Data protection

    1. Please read our Privacy Policy, which explains the basis on which we process any personal information we collect from you, or that you provide to us.
    2. If you use the Website for policy administration on behalf of your client then we become data controller in relation to that data and we can use the data as set out in the data protection wording in the policy documents. When you submit the data on behalf of your client to us for policy administration you are acting as the data processor.
    3. By uploading your client’s details onto the Website you warrant that you have your client’s permission to do so and you also warrant that you have drawn your client’s attention to the data protection wording contained in the policy.

  13. Linking to our website

    We reserve the right in our absolute discretion to prohibit any link from another site to materials or information on this Website without notice. Any link to material or information on this Website must be neither misleading nor deceptive and must fairly indicate this Website as the destination of the link. You must not establish a link in such a way as to suggest any form of association, approval or endorsement on our part where none exists.

  14. Interactive services

    1. We may from time to time provide interactive services on our site, including, without limitation:
      1. Chat rooms.
      2. Bulletin boards.
      3. Forums.

      (“interactive services”)

    2. We will use reasonable endeavours to assess any possible risks for users from third parties and other users when they use any interactive service provided on our Website, and we will decide in each case whether it is appropriate to use moderation of the relevant service (including what kind of moderation to use) in the light of those risks. However, we are under no obligation to oversee, monitor or moderate any interactive service we provide on our site, and we expressly exclude our liability for any loss or damage arising from the use of any interactive service by a user in contravention of our content standards, whether the service is moderated or not.
    3. You acknowledge the public nature of message boards and the live question and answers forum (the “Forums”) and that any Content you choose to disclose and therefore make publically available through the Forums is your sole responsibility. By submitting material you are granting us a perpetual, royalty-free, non-exclusive licence to reproduce, modify, translate, make available, distribute and sub-licence the material you post in the Forums in whole or in part and in any form.
    4. When using the interactive services, you agree not to:
      1. upload, post, transmit, share, store or otherwise make available (“Transmit”) any content that we consider contains any defamatory, offensive, threatening, abusive, racist, vulgar, pornographic, obscene, profane, indecent, hateful or any otherwise objectionable material. You will be solely responsible for any damages from any claims that may arise from anything that you Transmit;
      2. Transmit viruses, corrupt files, or other similar software or programs that may damage the operation of another person’s computer, software, or network and you will be solely responsible for any damages from any claims that may arise;
      3. engage in unlawful conduct;
      4. discuss or agree with other users, either directly or indirectly anything which amounts to anti-competitive behaviour;
      5. advertise or offer to sell any goods or services for any commercial purpose or to promote your own forum or referral schemes; or
      6. Transmit any information which invades the personal privacy of another person or in breach of the Data Protection Act and principles set out herein. You will be solely responsible for any damages from any claims that may arise from anything that you Transmit.
    5. Where we do moderate an interactive service, we will normally provide you with a means of contacting the moderator, should a concern or difficulty arise.

  15. Amendments

    We reserve the right to update or revise these Terms at any time and we will use reasonable efforts to notify the Intermediary of those changes. We may give such notice by posting updated terms on the Broker Hub and using reasonable efforts to draw them to the Intermediary’s attention. The continued use of the Broker Hub following the posting of any changes to the Terms constitutes the Intermediary’s acceptance of those changes.

  16. Applicable law

    These Terms shall be governed and construed in accordance with English law and you agree to submit to the non-exclusive jurisdiction of the courts of England in relation to any dispute in relation to them.