Section 01

Acceptance of Terms

These Terms of Use ("Terms") constitute a legally binding agreement between you ("User", "you", or "your") and CDR Insurance Services Limited ("CDR", "we", "us", or "our") governing your access to and use of this website, including all content, functionality, and services made available at or through this website (the "Site").

By accessing or using this Site, you represent that you are at least 18 years of age, have the legal capacity to enter into a binding agreement, and agree to comply with these Terms in full. Your continued use of the Site following any modification to these Terms constitutes your acceptance of the revised Terms.

Section 02

About This Website

This website is operated by CDR Insurance Services Limited to provide general information about our insurance broking services and to allow you to contact us.

This website does not provide:

• Online purchase or binding of insurance
• Personalised advice or recommendations
• Quotations or indicative policy terms

All insurance and insurance arrangements are provided separately through direct consultation with a broker.

Section 03

No Advice

The content on this website is for general informational purposes only and does not constitute insurance or financial advice.

CDR Insurance Services Limited is an Appointed Representative of Momentum Broker Solutions Limited, who are authorised and regulated by the Financial Conduct Authority. Full details can be found on the Financial Services Register.

Section 04

Use of this Website

You may use this website for personal, non‑commercial purposes only.

You must not:

• Copy or reproduce content without permission
• Use the website for unlawful or harmful purposes
• Attempt to gain unauthorised access to systems or data
• Introduce malicious software or disrupt functionality

Section 05

Contact Form & Personal Data

This Site includes a contact form that invites you to submit the following information so that one of our brokers may respond to your enquiry:

• Full name
• Phone number
• Email address

By submitting the contact form, you acknowledge and agree to the following:

1. Purpose of Collection. Your personal information is collected solely for the purpose of responding to your enquiry and facilitating further communication with you about our broking services.
2. Consent to Contact. You consent to CDR Insurance Services contacting you via the phone number and/or email address you have provided in connection with your enquiry.
3. No Account Created. Submitting the contact form does not create an account, a client relationship, or any contractual obligation on either party.
4. UK GDPR & Data Protection Act 2018. We are the data controller in respect of personal data submitted through this Site. We process your personal data on the lawful basis of legitimate interests (responding to your enquiry) and, where applicable, consent. We process your data in accordance with the UK General Data Protection Regulation (UK GDPR) and the Data Protection Act 2018. Please refer to our Privacy Policy for full details.
5. Data Security. We implement appropriate technical and organisational measures to protect personal data submitted through this Site against accidental or unlawful destruction, loss, alteration, unauthorised disclosure, or access.
6. Retention. We retain contact form submissions for no longer than is necessary for the purposes for which they were collected, and in compliance with our legal obligations.
7. Your Rights. Under the UK GDPR you have the right to access, rectify, erase, restrict, or object to the processing of your personal data, and the right to data portability. You also have the right to lodge a complaint with the Information Commissioner's Office (ICO) at ico.org.uk. To exercise your rights, please contact us using the details in Section 13.

Section 06

Intellectual Property

All content on this Site - including but not limited to text, graphics, logos, icons, images, data compilations, and software - is the property of CDR Insurance Services Limited or its content suppliers and is protected by UK and international copyright, trade mark, and other intellectual property laws.

You may access the Site for personal, non-commercial informational purposes only. You must not:

• Reproduce, duplicate, copy, sell, or exploit any portion of the Site without express written permission
• Modify, adapt, or create derivative works based on any Site content
• Use any data mining, robots, scraping, or similar data gathering or extraction methods
• Remove or alter any copyright, trademark, or other proprietary notices

Section 07

Accuracy of Information

We aim to ensure information is accurate at the time of publication. However:

• Information may change over time
• We do not guarantee completeness or accuracy
• Any reliance on this information is at your own risk

All content is provided "as is".

Section 08

Third-Party Links

This website may include links to third-party websites. These are provided for convenience only and do not imply endorsement.

We accept no responsibility for the content or availability of external sites.

Section 09

Liability

To the extent permitted by law, CDR Insurance Services Limited is not liable for any loss arising from the use of this website or reliance on its content.

Nothing in these Terms limits any liability that cannot be excluded under applicable law.

Section 10

Indemnification

You agree to indemnify, defend, and hold harmless CDR Insurance Services Limited and its officers, directors, employees, agents, and successors from and against any claims, liabilities, damages, losses, costs, or expenses (including reasonable legal fees) arising out of or relating to:

• Your use of, or inability to use, this Site
• Your breach of any provision of these Terms
• Your violation of any applicable law or regulation
• Any content you submit through the contact form or otherwise provide to us

Section 11

Prohibited Use

You agree not to use this Site in any manner that:

• Is unlawful, fraudulent, deceptive, or harmful
• Harasses, abuses, or harms another person
• Transmits unsolicited commercial communications (spam)
• Introduces viruses, malware, or any other harmful code
• Attempts to gain unauthorised access to any part of the Site or its infrastructure
• Interferes with or disrupts the integrity or performance of the Site
• Attempts to scrape, index, or systematically download Site content

We reserve the right to block or restrict your access to the Site if we reasonably believe you have engaged in prohibited conduct.

Section 12

Changes to These Terms

We may update these Terms from time to time. Continued use of the website constitutes acceptance of any changes.

Section 13

Governing Law

These Terms are governed by the laws of England and Wales.

Section 14

Contact

If you have any questions, please contact: