16.3 Any under-evidence insurance placed by the broker or with the company or on its behalf belongs to the company and the rest. In some circumstances, we may need another intermediary to arrange your insurance, and as a result, we pass money through other authorized intermediaries before paying it to the insurer. Commercial Customers: If we purchase insurance entirely or primarily for purposes related to your profession, profession or profession, you have an obligation to present the risk fairly under the Insurance Act 2015. This means that you must disclose all important circumstances that you know and/or that your management and/or all those responsible for the organization of your insurance know or need to know. Otherwise, you will need to provide sufficient information that would indicate to the insurer that they need to conduct further investigations to detect these essential circumstances. You are expected to conduct an appropriate search for a fair representation of risk, and it is assumed that you know what the research should reasonably have revealed. You can receive a copy of your personal data from us free of charge by contacting us at the address above. This may include the right to transfer information to other providers. You have the right to ask us to correct the information. You have the right to ask us to delete or discontinue your data unless it is necessary to keep it for insurance or financing purposes, as outlined in our conservation policy. Our advice is confirmed in a statement of claim and needs that clearly explains the reasons for our recommendation.
31.1 This TOBA, including to avoid the doubts attached to it, constitutes the whole agreement between the parties with respect to the commitment of the parties and replaces all oral or written proposals, oral or written statements prior between the parties with respect to services. We believe that the limit values mentioned above are appropriate, but if you want us to consider higher limit values, let us know. When alternative limits are agreed, the agreed alternative limit is part of this terms and conditions agreement. If additional fees are required to change the limit values, they will be discussed with you before the amendment is implemented. Legal receiver account We hold all client funds that contain money for transfer to insurers and refunds to customers in a bank account with a licensed bank, pursuant to a legal trust agreement, in accordance with Financial Conduct Authority rules. If you are a consumer, you have a responsibility to answer honestly and conscientiously all questions about a proposed insurance coverage and to provide the complete and accurate information that insurers need. This also applies to your answers regarding all the assumptions you can accept when applying for insurance coverage. This is especially important before you have a policy, but also for renewal or if you are making a policy change in the medium term.