Welcome to Private Medical Associates Limited

These terms and conditions outline the rules and regulations for the use of Private Medical Associate’s Website, located at www.pri-med.co.uk.

By accessing this website, we assume you accept these terms and conditions. Do not continue to use pri-med.co.uk if you do not agree to abide by all of the terms and conditions stated on this page.

Regulation

Private Medical Associates Limited is an Appointed representative of WPA Healthcare Practice Plc which is authorised and regulated by the Financial Conduct Authority. You can find us on the Financial Services Register (https://register.fca.org.uk/s/) under our Financial Conduct Authority firm reference number of 598868.

WPA Healthcare Practice Plc (“Healthcare Practice”) is part of the Western Provident Association Limited Group of Companies.  Registered in England and Wales No. 07320330. The Healthcare Practice is authorised and regulated by the Financial Conduct Authority. Registration No. 757721

Registrations

Private Medical Associates Limited (PMA) is a company registered in England and Wales under company number 05170700. Our registered office is 7 Aberdeen Way, Knaphill Woking, GU21 2FJ. PMA is a Private Limited Company

Intellectual Property Rights

PMA owns copyright and all other intellectual property rights in the material appearing on the PMA website (unless stated otherwise). You are granted a limited permission to access and browse the contents of the PMA website on any device, and to make reasonable private copies of those contents for your own records. You must not modify or communicate to the public the information available on the PMA website in any way.

You grant us a perpetual permission to copy, communicate and adapt any information or material supplied by you to PMA for the purpose of operating or improving the PMA website and PMA’s policies, products or services, supplying policies, products or services to you, and related purposes. This licence is irrevocable and survives the termination of this agreement.

The Western Provident Association (WPA) and WPA Healthcare Practice logos are registered trademarks of WPA.

Terms of Use

This is an agreement between Private Medical Associates Limited (PMA), and you. This agreement governs all of your dealings with PMA, including your use of PMA’s website at www.pri-med.co.uk (PMA website) and any policies, products or services which you may acquire from PMA by means of the PMA website.

This agreement is intended to be legally binding between you and PMA, and comprises the following terms:

1. these terms of use;
2. the PMA Privacy Policy;
3. any terms set out on specific pages of the PMA website; and
4. any other terms referenced in those documents.

Acceptance of this agreement

By using the PMA website or acquiring any policies, products or services from PMA, you agree to be bound by this agreement and give your consent to our privacy policy. You also warrant that you have read and understood the terms of this agreement.

If you do not agree to this agreement, you should not access or use the PMA website or any of its related services.

Your use of the PMA website

You may access and make use of the PMA website in accordance with this agreement.

You must not:

1. copy, communicate to the public, adapt or otherwise use any part of the PMA website or its source code, except as permitted by this agreement or by law;
2. use any automated means to copy or ‘scrape’ content from the PMA website, other than the normal use of RSS and other syndication tools;
3. impersonate any other person while using or accessing the PMA website, unless acting as that person’s authorised agent within the scope of your authority;
4. use or attempt to use any other person’s username, password or personal data;
5. offer or expose for sale, sell, transfer (whether for payment of a fee or otherwise) any person’s user account on the PMA website;
6. circumvent or attempt to circumvent any technical protection measures, security, or access controls on or utilised by the PMA website;
7. access any of PMA’s web servers, databases or other systems, or probe or test their security, when you do not have authorisation to do so;
8. interfere or attempt to interfere with the normal operation of the PMA website by any means (including by denial of service or similar attacks, spam, the use of trojans or backdoors, injection or other malicious attacks); or
9. access or use the PMA website in a manner, or for a purpose, contrary to the law of England and Wales.

If we consider (in our sole discretion) that your use of the PMA website breaches this agreement, we may terminate, suspend or restrict your access to the PMA website, your user account (if any), and your ability to communicate with PMA by electronic means. We may also take such further action as we consider appropriate in the circumstances to protect the legitimate interests of PMA and our customers, including legal proceedings, working with law enforcement authorities, and communicating details of any actual or suspected wrongdoing.

Nothing in this agreement grants you unfettered access to the PMA website and we may at any time restrict access to you, your internet service provider or a device within any geographical area.

Disclaimer

To the maximum extent permitted by law, PMA is not liable to you for any loss or damage (including without limitation, loss of business, loss of profit or consequential loss) arising from your use of or inability to use the PMA website, and disclaims all liability for such loss or damage. For example, PMA will not be liable to you for:

1. errors in the materials on the PMA website or any fault in its operation or availability;
2. loss or damage arising from the transfer of data to or by you using the PMA website or any electronic facility provided by PMA;
3. loss or damage to your computer equipment or software;
4. loss of profits, loss of business or goodwill or similar losses;
5. data corruption or loss;
6. changes made to the PMA website or any part of it;
7. pure economic loss; or
8. special, indirect or consequential loss;
9. unauthorised access to your user account which results from the reuse of your username or password with other websites, or the use of an insecure password; or
10. security breaches involving the PMA website, your stored or transmitted data, or similar events.

In each case whether or not the loss or damage is caused by our negligence. However, nothing in this agreement will exclude, limit or restrict any liability which cannot be exclude, limited or restricted as a matter of law.

The content of the PMA website is not a substitute for professional medical advice or treatment and you should not rely upon it for that purpose. PMA makes no representation to the suitability, quality, reputation, experience or other attributes of those third parties’ services.

PMA assumes no responsibility for the services supplied by third parties and, to the maximum extent permitted by law, excludes all liability to you for any loss or damage caused by third parties whom you identify from the PMA website including by not limited to WPA and all/other members of the WPA Group. This exclusion of liability shall also apply to third parties who have acted negligently.

PMA excludes, to the maximum extent permitted by law, any liability for indirect, consequential or special loss, loss of profits, loss of goodwill, emotional distress, inconvenience, disappointment, loss of opportunities, or any similar head of loss.

Limitation of liability

To the maximum extent permitted by law, all risks associated with your access to and use of the PMA website, and any policies, products or services acquired by means of that website, are allocated to you. You agree that the aggregate liability of PMA in connection with this agreement, or in respect of your use of or access to the PMA website, will not exceed the sum representing the amount that you have paid to PMA during the 12 month period preceding the event giving rise to any such liability or, if no such amounts have been paid by you, then the sum of £100.

Third parties’ material

The PMA website may contain links to other websites over which PMA has no control. It is the responsibility of third parties to ensure that all such material and websites comply with applicable laws and regulation. PMA does not assume any responsibility for such websites and excludes all liability to you for any loss or damage caused by your reliance upon material contained on those third parties’ websites.

Material posted on or any comment or bulletin boards, blogs, social media platforms or other electronic channels maintained by PMA represents the views of its author and not of PMA. PMA assumes no responsibility for that material and excludes all liability arising from its publication or dissemination.

Exclusion of implied terms

All warranties and terms (whether express, implied, statutory or otherwise) are, to the fullest extent permitted by law, excluded, save that nothing in this agreement is intended to exclude PMA’s liability for death or personal injury caused by its negligence or for fraud or fraudulent misrepresentation, or to exclude any terms which are non-excludable by reason of the Consumer Rights Act 2015 or any other applicable legislation.

Termination

PMA may terminate this agreement at any time without cause, and may at its sole discretion modify or cease the operation of any part of the PMA website or any policies, products or services offered on it (subject to any specific terms and conditions applicable to policies, products or services you may have acquired).

Privacy

You agree that PMA’s privacy policy (as amended from time to time) will apply to the collection, processing and disclosure of your personal data by PMA and any of its nominated data processors. You warrant that you have read and understood the terms and conditions of that policy, product or service, and you give your consent to it.

Privacy Policy

Fair processing notice

How we use information about you

We will hold and process personal data in accordance with the Data Protection Act 2018, including the General Data Protection Regulation (Regulation (EU) 2016/679) and any other applicable laws and regulations relating to the processing of personal data and privacy. This also includes any applicable guidance and codes of practice issued by the Information Commissioner’s Office or any other relevant supervisory authority.

Before we provide services to you, we undertake checks for the purposes of preventing financial crime, fraud, money laundering and to verify your identity. These checks require us to process personal data about you.

The personal data you have provided, we have collected from you, or that we have received from third parties will be used to prevent fraud and money laundering and to verify your identity. Details of the personal information that will be processed include e.g. name, address and address history, date of birth, contact details, financial information, employment details, medical and lifestyle information and device identifiers including IP addresses.

Further, we use your personal data to administer your Policy including underwriting, claims processing, assessment and statistical analysis and to improve our products and services. We take great care in the safe custody and use of personal data.

We do not share information about you with third parties other than to a limited number of essential people necessary to perform our obligations to you, including:

• Your treatment providers;
• Our trusted third party service providers;
• Other companies within the WPA Group including: WPA Protocol Plc; WPA Healthcare Practice Plc; WPA Insurance Services Limited; WPA World Class Services (India) Private Limited and any others as notified from time to time.

In certain circumstances, when we are legally obliged to, it may be necessary for us to share information with HMRC and/or our Regulators.

We may also share medical information with someone acting on behalf of you, if incapacitated.

We never share information with third parties for marketing purposes.

For further details, please contact the Data Protection Officer for PMA in writing or email: frank.coelho@wpa-hcp.org.uk

Financial Crime and Fraud

To detect and prevent fraud, financial crime or improper claims we check details with fraud prevention agencies. Additionally, we work with other organisations including other insurers to pool information about applications or claims. When we and fraud prevention agencies process your personal data, we do so on the basis that we have a legitimate interest in preventing financial crime, fraud, money laundering and to verify identity, in order to protect our business and to comply with laws that apply to us. Such processing is a contractual requirement of the services you have requested.

We, and fraud prevention agencies, may also enable law enforcement agencies to access and use your personal data to detect, investigate and prevent crime.

Fraud prevention agencies can hold your personal data for different periods of time, and if you are considered to pose a financial crime, fraud or money laundering risk, your data can be held for up to six years.

Where any potential financial crime, fraud or improper claim is suspected by us, notified to us, or identified by us, we will investigate. If we, or a fraud prevention agency, determine that you pose a financial crime, fraud or money laundering risk, we may refuse to provide the services you have requested or we may stop providing existing services to you.

A record of any financial crime, fraud or money laundering risk will be retained by the fraud prevention agencies and may result in others refusing to provide services, financing or employment to you.

If we conclude you have or any family member has committed fraud, financial crime or submitted an improper claim (or attempted to do so) then we reserve the right to notify the person who pays the premium or founded the Corporate Healthcare Trust which may include an employer or family member.

If we obtain evidence of fraud, financial crime or reckless or deliberate misrepresentation in relation to your membership we will avoid the contract and refuse all claims and, where applicable, will not refund any premiums paid. Further, we will take legal action to recover all losses to us including any claims we have paid, the interest on these sums and all associated costs.

Whenever fraud prevention agencies transfer your personal data outside of the European Economic Area, they impose contractual obligations on the recipients of that data to protect your personal data to the standard required in the European Economic Area. They may also require the recipient to subscribe to ‘international frameworks’ intended to enable secure data sharing.

Your Data Protection Rights

Your personal data is protected by legal rights, which may include your right to:

• Object to our processing of your personal data;
• Request that your personal data is erased or corrected;
• Request access to your personal data.

For more information or to exercise your data protection rights please contact us in writing or email: frank.coelho@wpa-hcp.org.uk

You also have a right to complain to the Information Commissioner’s Office which regulates the processing of personal data. For more information please visit:

https://ico.org.uk

Please note that our processing of your personal data is an essential requirement in order for us to provide services to you under the terms and conditions of your membership.

Giving you Information

Where you have ‘opted-in’ we may advise you by letter, telephone, electronic mail or otherwise of our services or products which we believe you may be interested in. If you do not wish to receive such information please tell us at any time.

You have a right to know what information we hold about you. We may request an administration fee for supplying a copy of any personal information.

You must notify us of any changes to your personal information such as a change to your name, address or email to ensure your personal information is correct and up to date.

Subject to your chosen communication method, we use email as our primary method of communication when we need to communicate with you on claims, medical or administrative matters.

For security, all of our emails containing special category data are either hosted in a secure online account and you will be notified by email when you have a message, or are sent with an additional security feature in place.

Please remember that the email address you give us must be secure and not accessible by anyone else.

By providing your email address you are consenting to its use for services which may include the provision and/or receipt of claim and medical information as well as the administration of your Policy.

In the event of any unforeseen circumstance, such as a pandemic, we may need to default to email communication on a time limited basis.

Our Personal Data Retention Policy

We will hold and process your personal data whilst you are a member so that we may administer your membership. Following termination of your membership we will be entitled to continue to hold and process your personal data for legal, regulatory and statutory reporting purposes such as:

• Fraud detection and prevention;
• As required by our Regulators;
• Monitoring and improving our services;
• Data analytics, market trends and benchmarking;
• Calculating premiums; and
• Such other purposes as may be agreed between us.

How long we will retain and process your personal data depends upon the reason for processing. Where we carry out processing following termination we will use reasonable endeavours to ensure the anonymisation or pseudonymisation of personal data in so far as such processing can be carried out in that form.

Visitors to the website

Unless otherwise indicated, content of the PMA website is directed solely at people accessing the site from the United Kingdom, the Channel Islands and the Isle of Man. If you choose to access the PMA website from another location, you are responsible for compliance with any applicable local laws.

Reporting content

If you consider that any content on the PMA website consists of unlawful activity or information, please tell us by contacting our authorised representative using the following contact information:

Company Legal
Private Medical Associates
7 Aberdeen Way
Knaphill
Woking
GU21 2FJ
United Kingdom

Email: frank.coelho@wpa-hcp.org.uk

Any report of content on the PMA website (whether or not related to copyright) must:

1. relate to content hosted on https://www.prI-med.co.uk;
2. identify the full URL of the content said to be unlawful;
3. identify the copyright owner or other person whose rights are said to be infringed;
4. if you are an agent, identify on behalf of whom you act and state that you are their authorised representative;
5. include a description of any copyright works or other rights which you allege are being infringed, and explain why they are being infringed;
6. include your contact details (including your name, address, email address, telephone number, username (if any), and address for service);
7. include a statement that you have a good faith belief that the disputed use of the material is not authorised by the right-owner, his or her agent or the law; and
8. include a statement that the information in your notification is accurate.

Upon receipt of a valid notification, we will take such action as we consider (in our sole discretion) appropriate in the circumstances, including removal of the identified content within an expeditious period. However, we reserve the right to take no action until a notification containing all of the details set out above is received.

Assignments

PMA may at any time assign any or all of its rights and obligations under this agreement without notice to you, whether as part of an acquisition of PMA or otherwise.

You may not assign this agreement or any rights or obligations under it to any third party without PMA’s prior written consent.

Severability

If any part of this agreement is held to be unenforceable, that part shall be severed (or construed or read down) to the minimum extent necessary and the remaining parts of this agreement will be enforceable.

Jurisdiction and choice of law

This agreement is governed by the laws of England and Wales. You agree to submit to the exclusive jurisdiction of the courts of England and Wales for resolution of any dispute arising under or in relation to this agreement.

Rights of third parties

This agreement is not intended to confer rights upon any third party except you and PMA and the Contracts (Rights of Third Parties) Act 1999 does not apply.

Relationship with other terms

This agreement is in addition to any terms and conditions which apply to particular policies, products or services which you may acquire from PMA.

To the extent of any inconsistency between this agreement and the specific terms and conditions applicable to a particular policy, product or service supplied by PMA, or the specific terms and conditions applicable to a part of the PMA website, those specific terms and conditions shall prevail.

Entire agreement

This agreement (together with any specific terms and conditions applicable to a particular policy, product or service supplied by PMA) constitutes the entire agreement between you and PMA in relation to the subject matter of this agreement,  and supersedes any previous agreement or representation between you and PMA.

Variations

PMA may amend this agreement or any part of it at any time. Such amendments shall be binding on you and will take immediate effect. If you continue to access or use the PMA website after amendments to this agreement, come into effect, such access and use will be subject to the terms of this agreement.