Information about us
The Website is operated by Paragon International Insurance Brokers Ltd which is registered in England and Wales under company number 03215272 and has its registered office at 140 Leadenhall Street, London, EC3V 4QT (“Paragon”). In these Terms, references to “we”, “us” or “our” refer to Paragon and its Affiliates being any entity that is directly or indirectly owned by, or controlled by or under common control of Paragon.
Paragon is a limited company authorised and regulated by the Financial Conduct Authority.
Your use of the Website
The Website is only to be used by business customers and not consumer customers. You agree to use the Website only for lawful purposes and in a way which does not infringe the rights of any anyone else or restrict or inhibit anyone else’s use and enjoyment of the Website.
You are permitted to download and print content from the Website solely for your own personal use. Website content must not be copied or reproduced, used or otherwise dealt with for any other reason. You are not entitled to modify or redistribute the content of this Website or reproduce, link, frame or deep-link it on any other website without our express written permission.
You are not entitled to use the content of the Website for commercial exploitation in any circumstances. This is not, for the avoidance of doubt, intended to limit your ability to obtain commercial insurance policies.
Intellectual property rights
We are the owner or the licensee of all intellectual property rights in the Website, and in the material published on it. All such rights are hereby reserved.
Commentary and other materials posted on the Website are not intended to amount to advice on which reliance should be placed. Except to the extent required by applicable law, we therefore disclaim all liability and responsibility arising from any reliance placed on such materials by any visitor to the Website, or by anyone who may be informed of any of its contents.
We provide the content on the Website in good faith but give no warranty or representation that the content is accurate, adequate, complete or up-to-date, nor that the Website does not infringe the rights of any third party. To the fullest extent permitted by law, we accept no responsibility or liability for your use of content on the Website and such use is entirely at your own risk.
We make no representation or warranty that the operation of this Website will be uninterrupted or error free and disclaim all liability in respect thereof. While we take reasonable precautions to prevent the existence of defects, computer viruses and/or other malicious programs on the Website, we accept no liability for them.
We exclude all representations, warranties, conditions and terms express or implied by statute, common law or otherwise to the fullest extent permitted by law. We accept no liability for any special, indirect, incidental, consequential or economic loss (including without limitation, loss of profit, revenues, data, use, opportunity, business or anticipated savings) howsoever caused arising out of or in connection with these Terms.
Nothing in these Terms shall limit our liability for personal injury or death caused by our negligence, for fraud or fraudulent misrepresentation or for anything else which cannot be excluded at law.
Other Third Party Websites
This Website may contain links to other third party websites which are provided for your information and convenience only. We have no control over the contents of those websites and accordingly we accept no responsibility or liability for them or for any loss or damage that may arise from your use of them, or any use of personal data by such third party. Our provision of a link to a website does not constitute an endorsement, authorisation, sponsorship or affiliation by us with respect to such website, its owners or providers.
Information about you and your visits to the Website
Jurisdiction and applicable law
These Terms are governed by and are to be construed in accordance with the law of England and Wales and the English courts will have exclusive jurisdiction over any claim arising from, or related to, a visit to the Website.
We may update or amend these Terms at any time by amending this page without notice to you. You are expected to check this page from time to time to take notice of any changes we made, as they are binding on you. By continuing to use the Website, you agree to be bound by the terms of these updates and amendments.
If you have any concerns about material which appears on the Website, please contact Tara Falk at firstname.lastname@example.org.
Thank you for visiting the Website.
Privacy and Cookies
We may change this policy by updating this page. You should check this page from time to time to ensure that you are happy with any changes.
/ Information collected by our website
/ Controlling your personal information
/ Website Security
/ An Introduction to cookies
/ Your consent for cookie deployment by our website
/ Cookies used by our website
/ Actual cookies deployed
/ How to disable cookies
Information collected by our website
What we collect
For the purpose of making an enquiry or placing an order, our website may collect the following information. Your name and appropriate contact information including email address, address, preferences and interests. Other information relevant to customer surveys and/or offers may also be requested.
What we do with the information collected
We require this information to understand your needs and provide you with more information for the product(s)/service(s) you have requested. Your information may also be stored in a CRM system for internal record keeping. We may use the information to improve our products and services. We may periodically send promotional emails about new products, special offers or other information which we think you may find interesting using the email address which you have provided. From time to time, we may also use your information to contact you for market research purposes. We may contact you by email, phone, fax or mail. We may use the information to customise the website according to your interests.
Controlling your personal information
You may choose to restrict the collection or use of your personal information in the following ways:
Whenever you are asked to fill in a form on the website, look for the box that you can click to indicate that you do not want the information to be used by anybody for direct marketing purposes
If you have previously agreed to us using your personal information for direct marketing purposes, you may change your mind at any time by writing to or emailing us.
We will not sell, distribute or lease your personal information to third parties unless we have your permission or are required by law to do so. We may use your personal information to send you promotional information about third parties which we think you may find interesting if you tell us that you wish this to happen. You may request details of personal information which we hold about you under the Data Protection Act 1998. A small fee may be payable. If you would like a copy of the information held on you please write to or email us.
If you believe that any information we are holding on you is incorrect or incomplete, please write to or email us as soon as possible, at the above address. We will promptly correct any information found to be incorrect.
We are committed to ensuring that your information is secure. In order to prevent unauthorised access or disclosure, we have put in place suitable physical, electronic and managerial procedures to safeguard and secure the information we collect online.
We will take reasonable technical and organisational precautions to prevent the loss, misuse or alteration of your personal information. We will never store your credit/debit card information on our website. All electronic transactions you make to or receive from us will be encrypted using SSL technology via GEOTrust and will be transferred and processed by SagePay. Of course, data transmission over the internet is inherently insecure, and we cannot guarantee the security of data sent over the internet. You are responsible for keeping your password and user details confidential. We will not ask you for your password.
Our website may contain links to other websites of interest. However, once you have used these links to leave our site, you should note that we do not have any control over that other website. Therefore, we cannot be responsible for the protection and privacy of any information which you provide whilst visiting such sites and such sites are not governed by this privacy statement. You should exercise caution and look at the privacy statement applicable to the website in question.
An introduction to cookies
A cookie is a small file which asks permission to be placed on your computer’s hard drive. Once you agree, the file is added and the cookie helps analyse web traffic or lets you know when you visit a particular site. Cookies allow web applications to respond to you as an individual. The web application can tailor its operations to your needs, likes and dislikes by gathering and remembering information about your preferences.
We use traffic log cookies to identify which pages are being used. This helps us analyse data about web page traffic and improve our website in order to tailor it to customer needs. We only use this information for statistical analysis purposes.
Overall, cookies help us provide you with a better website, by enabling us to monitor which pages you find useful and which you do not. A cookie in no way gives us access to your computer or any information about you, other than the data you choose to share with us. You can choose to accept or decline cookies. Most web browsers automatically accept cookies, but you can usually modify your browser setting to decline cookies if you prefer. This may prevent you from taking full advantage of our website.
Cookies deployed by our website:
/ensure that functionality operates as intended
/remember your choices and preferences during and between visits
/allow you to share pages via social network widgets like Facebook, Twitter and AddThis
/allow you to interact with our website by leaving comments or opinions
/post enquiries via our Anti-Spam enquiry form
/track your visit for statistical analysis, allowing us to improve the usability, speed and security of our website
Cookies are not deployed to:
/collect any personal identifiable information (without your express permission)
/collect any sensitive information (without your express permission)
/pass data to advertising networks
/pass personally identifiable data to third parties
/pay sales commissions
/Your consent for cookie deployment by our website
Cookies used by our website
Our website has Google Analytics installed which allows us to track and compile anonymous visitor statistics. The information collected ranges from simple traffic volume to the type of browser you are viewing our website with. This information is valuable to us not just for marketing analysis and quantification, but to improve the usability, security and load speed of our website content. Google Analytics is a popular, secure, flagship webmaster product from Google. The privacy and security of Google Analytics data is a high priority at Google that you can read more about on Google’s Analytics Data Safeguarding page. Google also offer a Google Analytics Opt-out Browser Add-on that will allow you to automatically Opt-out of all websites that track your activity via Google Analytics. No personal information is collected by Google Analytics.
Cookie Consent Check
As mentioned above, upon your first visit our website displays a banner at the top of the page alerting you about cookies being deployed by our website. In order for our website to remember your choice of opting-in, we store an anonymous cookie to remove the alert banner for 28 days. To prevent this cookie being stored, simply do not accept and close the alert. If you have already accepted the alert and you wish to remove the cookie, please clear your cookies within your browser settings.
Our website, either in full or in part, is built on the popular open-source CMS framework – WordPress. WordPress utilises cookies to allow visitors to register, login and comment on our website’s content. If you do not wish to participate in commenting on our website, WordPress will not deploy any cookies onto your device. Cookies will only be created by WordPress if you actively register or comment via the clear forms on our website.
Our website may have our Google Maps/Places profile embedded within an iframe. Google Maps creates cookies that enable the functionality of their powerful mapping software. No personal information is stored or shared on the cookies deployed by Google Maps/Places
Actual cookies deployed
Below is a table of information which lists all cookies deployed and used on our website.
|Cookie Category||Cookie Name||Cookie Description|
A Google Analytics cookie, which keeps track of the number of times, a visitor has been to the site, when their first visit was, and when their last visit occurred.
|_utmb||A Google Analytics cookie, which creates a timestamp of the exact moment when a visitor enters a site.|
|_utmc||A Google Analytics cookie, which creates a timestamp of the exact moment when a visitor leaves the site.|
|_utmv||Used for reporting in Google Analytics classifying the visitor.|
A Google Analytics cookie which tracks where the visitor came from, what search engine was used, what link was clicked on, what keywords used, and where in the world the site was accessed from.
|PREF, NID||This cookie is set by Google Maps when you load a map of our location|
|WordPress||wp-settings, wp-settings-time-||This cookie verifies if you are logged into the website or not|
|wordpress_logged_in||WordPress cookie for a logged in user.|
When you enter a comment on this site you will be asked to provide certain information about yourself including your name, email and website address.
How to disable cookies
Most modern browsers allow you to control your cookie settings for all websites that you browse. You can disable cookie deployment completely by editing your browser settings, however in doing this you may be limiting the functionality that is displayed on our website. To learn how to disable cookies on your preferred browser we recommend reading this advice posted by Google.
If you are concerned about cookies tracking your movements on the Internet then you may be concerned about spyware. Spyware is the name given to a particular band of cookies that track personal information about you. There are many antispyware programs that you can use to prevent this from happening. Learn more about antispyware software – http://en.wikipedia.org/wiki/Spyware. As mentioned earlier in this page you can also disable Google Analytics on all websites by downloading the Google Analytics Opt-out Browser Add-on.