Please read this document carefully as it sets out our terms and contains important regulatory and statutory information.
THE SITE AND RELATED SERVICES ARE PROVIDED SUBJECT TO YOUR COMPLIANCE WITH THE TERMS AND CONDITIONS OUTLINED IN THIS DOCUMENT. YOU INDICATE BY CONTINUED USAGE OF THIS SITE THAT YOU ARE WILLING TO BE BOUND BY THE TERMS AND CONDITIONS INCLUDING REVISIONS AND UPDATES SET FORTH HEREIN. PLEASE EXIT THE SITE PROMPTLY IF YOU DO NOT AGREE TO THESE TERMS AND CONDITIONS.
“We/us/our” means Portabl Benefits Limited, The Basement, 34A Hyde Park Square, London W2 2NW own and operate the website portabl.co.
Access to and use of this Site is subject to these terms and conditions.“portabl.co” OR “Site” shall include any information or services that are provided by Portabl Benefits Limited, irrespective of the medium, and include, without limitations to affiliated websites, web or mobile applications, products, and services we make available. We reserve the right to at any time to modify, suspend or discontinue (temporarily or permanently) our Site, or any part of the Site, with or without notice.
We do not make any claim that access or usage of any part of this Site is permitted outside the United Kingdom. Access to the Site may be illegal in certain countries, regions, or areas or to certain persons in these places. If you access this Site from anywhere besides the United Kingdom, you do so of your own volition and will be responsible for compliance or non-compliance with your local laws. Please be informed of local laws before using this website.
Restrictions on Use
All pages within this Site and any other material provided are properties of Portabl Benefits Limited, and/or its affiliates. Portabl Benefits Limited is protected by the United Kingdom and international copyright and trademark laws. No part of this Site or the materials on these pages is allowed to be reprinted, republished, modified, or distributed in any form without the permission of Portabl Benefits Limited. This Site is for your personal use or internal use of your business. You are to keep all proprietary notices intact, which includes copyright notices, contained on any material, and must comply with all end-user license agreements.
Privacy Policy
You will find more information about the collection and usage of data available on our privacy policy page. Please take some time to read it here.
Trademark and Intellectual Property Notice
The “portabl.co” and name association include the logo, trademarks, and service marks that belong to Portabl Benefits Limited. All other logos, trademarks, and service marks used in this Site belong to the respective owners. Unless otherwise stated, the graphic images, videos, layout, button and text contained within are the exclusive properties of Portabl Benefits Limited or used with express permission, and is therefore not permitted to be copied or distributed whole or in part without the consent of Portabl Benefits Limited.
Warranty Disclaimer
This Site, including any content or information contained therein or any other Site-related service, is provided “as is” with all faults, no representations or warranties of any kind, either expressed or implied, which include, but not limited to implied warranties of merchantability, fitness for a specific purpose, and non-infringement. The risk of using this Site, related services, and hyperlinked websites is your sole and total responsibility.
Portabl Benefits Limited, its Affiliates, and Sponsors bear no responsibility or liability for direct, indirect, consequential, special, incidental, punitive or of damages that may arise out of or in relation to the website, related services, content or information contained within the Site, and/or hyperlinked websites.
Although Portabl Benefits Limited attempts to ensure the Site’s integrity and accuracy at all times, we do not guarantee it will be so all the time. At any time, the Site may or may not contain inaccuracies or errors. Third parties may or may not make authorised or unauthorised additions, deletions, or alterations. If inaccuracy is found, please inform Portabl Benefits Limited so that it can be corrected. We reserve the right to change information contained within the Site with or without notice.
Status
We are an appointed representative of Bikmo Limited (FRN 745230). Both Bikmo Limited and Portabl Benefits Limited are authorised and regulated by the Financial Conduct Authority, 12 Endeavour Square, London, E20 1JN. Our FCA registration no. is 946640. This can be checked by clicking here https://www.fca.org.uk/register or by contacting the FCA on 0800 111 6768.
Our permitted business activities are introducing, advising, making arrangements with a view to transactions, dealing as an agent, assisting in the administration and performance of a contract and agreeing to carry on a regulated activity in respect of General Insurance contracts, and credit broking in relation to insurance instalment facilities.
Contact Us
You can contact us by emailing hello@portabl.co.
Complaints
To submit a complaint, please email complaint@portabl.co. If we cannot settle the complaint satisfactorily, you may be entitled to refer your complaint to the Financial Ombudsman Service. Further details can be obtaining by clicking http://www.financial-ombudsman.org.uk/publications/consumer-leaflet.htm.
Financial Services Compensation Scheme (FSCS)
We are covered by the FSCS. 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. Further details can be found https://www.fscs.org.uk/.
Online Dispute Resolution (ODR)
As our policies are sold online, you may also submit a complaint through the Online Dispute Resolution (ODR) platform https://ec.europa.eu/odr
Scope of Capacity and Services
Where we buy cover for you, as we have done with Legal and General Assurance Society and Chubb, we are the policy holder and we own the policy. We are responsible for paying the premium to the insurer and we use part of the monthly membership subscription you pay us to do that. You are covered under our policy. You have no direct relationship with the insurer in relation to our policy.
Where we source a policy for you, and you are the policyholder, as we have done with ARAG and Equipsme, we act as your agent when placing the insurance and in the event of a claim. We are acting on behalf of the insurer when we collect your premium.
In other circumstances, we shall advise you at the time.
Selection
Before choosing the products, we have purchased ourselves for your benefit and before choosing the products you buy yourself on our site, we have conducted a review of a limited number of insurers. Who those insurers are is presented to you on our site, but we shall supply it to you separately on request.
Payment
You may be required to make one or more payments to use our services. This will mean providing information regarding your credit card or any other payment instrument. You hereby warrant that the information provided is true, and you are authorised to use the payment instrument chosen. You agree to promptly update account information such as changes to the billing address or credit card expiration date and more that may occur over time. You agree to pay Portabl Benefits Limited the specified amount per the price set for services and meet the conditions set in this agreement.
Recurring Payments
The fee for your Portabl membership will be charged to your payment method on the payment date indiacted on your Wallet page. The length of your billing cycle will depend on the membership or product that you choose when you sign up for Portabl, but it will generally be 12 months.
In some cases your payment date may change, for example if your payment method had not been successfully settled, if you change your membership, or if your paid membership began on a date not contained in a given month.
Memberships all have a 14-day cooling-off period. If you want to cancel your membership within this cooling-off period, you will receive a full refund. If you wish to cancel your membership after this period you will not be eligible for a full refund, and all refund requests will be considered on an individual basis. If you wish to cancel your membership, please email us at payments@portabl.co.
Refunds
In the event that you requre a refund for a payment made to us, please contact us at refunds@portabl.co. We will respond to all refund requests on an individual basis.
Please note that we have a cooling-off period of 14 days for all memberships. If you wish to cancel your membership within the cooling-off period you will receive a full refund. Any cancellations outside of this period will not be eligible for a full refund.
Fees and charges
You will receive information about any fees we receive relating to the products you have in your membership package. Our remuneration will either be a fee as agreed with you on becoming a Portabl member or commission which is a percentage of the premium paid by you, or a combination of both where appropriate. This will include commission, fees, over-rider agreements, profit share arrangements and any volume business deals that your policy may contribute towards. Brokerage/fees are for the policy period, and we shall retain all brokerage/fees in relation to policies we have placed. We are committed to ensuring complete transparency of our remuneration and we shall, at your request, fully disclose our remuneration.
Some insurers may make additionl payments to us reflecting the size and/or profitability of our account with them and/or in respect of work we undertake on their behalf.
Source and type of fees
We arrange the policy with each insurer on your behalf. You do not pay us a fee for doing this. We may receive commission from the insurer, which is a percentage of the total annual premium. We will charge you a separate fee for being a member of Portabl.
Definition of a Consumer
A buyer of insurance acting for purposes outside his or her trade, business or profession.
Consumers Insurance (Disclosure and Representations) Act 2012 (CIDRA)
For all the covers you have under your membership, you are respectfully reminded of your duty to take reasonable care not to make a misrepresentation in any information that is provided by you to insurers and to answer all questions asked by insurers honestly.
Where CIDRA applies to you (i.e. in relation to the ARAG and Equipsme policies you buy on our site, but not to the Legal and General and Chubb policies we have bought for your benefit), a misrepresentation may amount to a failure to comply with a request from an insurer for confirmation, or amendment, of details previously provided by you. Please be aware that the duty to take care not to make a misrepresentation exists not just prior to any placement being affected but also at any subsequent renewal and any variation of the contract terms during the period of insurance. In the event of a deliberate or reckless misrepresentation, insurers may avoid the contract. Under CIDRA deliberate or reckless misrepresentation is a misrepresentation where you know it to be untrue or misleading (or do not care either way) and that you know (or do not care) that the matter to which it relates is relevant to insurers. Please consult us if you are in any doubt on this aspect.
Use of other intermediaries - Where we consider it to be appropriate and for your benefit, it may be necessary for us to request another broker or intermediary to act as our agent and assist in the placement of your insurance product. In such cases, we will provide specific instructions to such sub-agents to meet your insurance requirements.
Security
We do not guarantee the solvency of any insurer we place business with. A liability for the premium, whether in full or pro rata, may arise under policies where a participating insurer becomes insolvent. Where we use an unrated insurer, you will be notified separately.
GDPR/Data Protection – How we use your data.
All personal information about you will be treated as private and confidential. We are registered with the ICO as a Data Controller. We undertake to comply with the General Data Protection Regulation (GDPR) in all our dealings with your personal data. Your personal information will be kept secure. If you require more information on how we use your personal data, please refer to our privacy notice and contact us for other rights you may have under GDPR such as ‘Rights of Data Access’ etc.
Information which you provide to us will not be used or disclosed by us to other parties, except in the normal course of handling a contract of insurance or a claim on your behalf and any related activities, unless we have obtained the necessary consent from you or where we are required to by law or a regulatory body that has authority over us. We will take appropriate steps to maintain the security of your confidential documents and information which are in our possession.
Cooling off period
We will give you enough information and help so you can make an informed decision before you make a final commitment to become a member of Portabl. However, you will have 14 days to change your mind and cancel from the date we confirm your membership.
Credit Checks
To make sure you get the best offer from insurers or third parties involved in your insurance, i.e. finance providers, now or at any renewal or at any time and to protect their customers from fraud and to verify your identity, they may use publicly available data which they obtain from a variety of sources, including a credit reference agency and other external organizations. Their search will appear on your credit report whether your applications proceed. As well as these searches, we or they may use a credit check to ascertain the most appropriate payment options for you. This credit check will also appear on your credit report. Unless you contact us to confirm you do not wish us to carry out these searches we will assume your consent has been given and proceed as above.
Claims
You must notify us as soon as possible of a claim and circumstances which may give rise to a claim. In the event of a claim you should contact us and we shall promptly advise you and, if appropriate, issue you with a claim form and pass all details to your Insurer. We shall remit claims payments to you or to your beneficiaries as soon as possible after they have been received on your behalf. If an insurer becomes insolvent or delays making settlement, we do not accept liability for any unpaid amounts.
Client Money
Premiums are collected in line with a strict agency agreement known as a Risk Transfer and when we collect these premiums, we are acting on behalf of the Insurer.
We hold all client monies in a Non-Statutory Trust bank account in accordance with the FCA client money rules. A copy of the deed of trust is available on request or may be inspected at our premises during normal office hours. If you object to your money being held in a non-statutory trust account, you should advise us immediately. Otherwise, your agreement to pay the premium together with your acceptance of these terms of business will constitute your informed consent to our holding your money this way.
Financial Crime
The National Crime Agency (NCA) requires us to report any suspicious transactions to them, and we may have to obtain evidence of a client’s identity at the start of a business relationship. We may ask for sight of your passport, utility bill or bank statements. For companies, evidence usually consists of a copy of the Certificate of Incorporation, or we may check the Companies House register.
Termination
Our services may be terminated without cause or penalty by giving one month’s notice in writing. If our services are terminated by you other than at the expiry of the policy, we will be entitled to retain any fees and all the brokerage payable. The responsibility for handling claims reported after the date of termination shall in the absence of an express agreement be the responsibility of the party taking over the role.
Web Links or Pointers to Other Sites
We do not claim to represent any other website that you may access through portabl.co. When you access a website that is not portabl.co, please understand that it is not dependent on portabl.co, and portabl.co has no control whatsoever over the content on that website.
Because we add a hyperlink to a third-party website to portabl.co does not mean that we endorse or accept any responsibility for the content or the use of the linked site. You are advised to take precautions to ensure whatever you select or use, or download is not infected and is not of a destructive nature.
Law and Jurisdiction
These Terms and Conditions shall be governed by and construed in accordance with English law. In relation to any legal action or proceedings arising out of or in connection with these Terms of Business, we both irrevocably submit to the exclusive jurisdiction of the English courts.
If, in any event, a competent court of law or tribunal within the jurisdiction holds or limits the Terms and Conditions as stated therein, their provisions shall be limited or eliminated to the minimum extent necessary so that these Terms and Conditions remain in effect and in full force. The failure of Portabl Benefits Limited to enforce any right or provision, as stated in this agreement, will not constitute a waiver of such right or provision except acknowledged and agreed to by Portabl Benefits Limited in writing.
Modification to Terms
Portabl Benefits Limited reserves the right to modify in part or in whole the terms and conditions set out in this agreement or policies that relate to its services at any time, effective upon posting an updated version of this agreement to portabl.co. You are advised to review this agreement from time to time. Continuing to use our Site after any such changes represent your acceptance of Terms and Conditions as modified.
Notice
Portabl Benefits Limited may give notice by any means of choice, which includes a general notice on the portabl.co website, or by electronic mail to your email address on record. Such notice shall be assumed to have been seen within a 24-hour expiration period after it was posted to the website, or sent through email.
Limitation of liability and indemnification
Portabl Benefits Limited is not liable for any loss or damage which may arise from using or relying on information from this Site. We shall not be liable for any loss of revenue (which includes but is not limited to data loss or corruption, loss of money, loss of anticipated savings, loss of business, loss of goodwill, loss of management or administration time, loss of reputation, or loss of employment and business prospects).
You agree to indemnify and hold Portabl Benefits Limited and its shareholders, affiliates, employees, agents, successors, officers, and assigns, harmless from and against any claim or suit brought by a third party which results from your use or access of this Site or the provision of content with regards to all loses, costs, proceeding, claims or liabilities whatsoever incurred or suffered directly on indirectly as a result of such use or breach of these Terms.
No Unlawful or Prohibited Purpose
You agree to use this Site only for lawful purposes and per the Terms and Conditions as stated. You agree that this Site will not be used:
1. In any way that is in violation in part or whole of applicable laws of England and Wales or international law.
2. To exploit, harm, or attempt to harm others by asking for personally identifiable information or otherwise.
3. For transmitting or procuring the sending of, any advertising or promotional material, which includes “junk mail,” “chain letter,” or “spam” or any other form of like solicitation.
4. For impersonating or attempting to impersonate Portabl Benefits Limited, employee, another user, or any other person or entity (which includes, without limitation, usage of email address, screenshots, or more associated with any of the foregoing).
5. To engage in any act or conduct that restricts or subdues anyone’s use or enjoyment of the Site, or which as we determine, may harm portabl.com, or users of the Site or expose them to liability.
You also agree to the following:
1. You will not scrape or disaggregate data manually or automatically from the Site for marketing, data compiling, commercial or enhancement purposes.
2. You will not introduce viruses, worms, trojan horses, malicious malware or technologically harmful materials to the Site.
3. You will not attempt to gain unauthorised access to, interfere with or cause damage or disruption to any part of the website, server on which the Site is stored, or any server, computer, or database connected to the Site.
4. You will not in any way interfere with the proper working of the Site.
If you have any queries, comments or complaints regarding the Site of these Terms and Conditions, get in touch. You can email us at hello@portabl.co
