STATUS
JRW Group Services Ltd trading as Golf Care Insurance is underwritten on behalf of Certain Underwriters at Lloyd's ('The Underwriters'). JRW Group Services Ltd is Authorised and Regulated by the Financial Services Authority for Insurance Mediation Only. The JRW Group Services FSA Register number is 313411. You can check this on the FSA's Register by visiting the FSA's website http://www.fsa.gov.uk/register or by contacting the FSA on 0845 606 1234. You will not receive advice or a recommendation from us as part of our service. You will need to make your own choice about how to proceed.

WHAT TO DO IF YOU NEED TO COMPLAIN
Please phone our Customer Service Manager 0870 413 2222 or write to the: Customer Service Manager, JRW Group Services Ltd, Tatton House, 11 Old Hall Road, Gatley, Cheadle, Cheshire SK8 4BE. Should you remain dissatisfied with our response, you may approach the Financial Ombudsman Service. Full details of our complaint procedure are available upon request. We are covered by the Financial Services Compensation Scheme (FSCS). You may be entitled to compensation from the scheme if we cannot meet our obligations. This depends on the type of business and circumstances of the claim. The compensation limit for insurance mediation where the intermediary fails is 100% of the first £2000 and 90% of the remainder.

INTRODUCTORY OFFERS
Discounts that maybe offered by Golf Care from time to time apply for the first year premium only. These discounts do not apply to existing or previous Golf Care Customers.

YOUR DUTY TO DISCLOSE
It is important that all information you give us verbally or in writing in proposing for, renewing or making changes to your insurance claim is full and correct: and that you tell us about changes such as address. Failure to do so could later invalidate your Insurance or claims under it. Under the conditions of your Insurance you must tell us about any insurance related incidents (such as illness) whether or not they give rise to a claim. When you tell us about an incident we will pass the information to a database.

FRAUD PREVENTION AND DETECTION
In order to prevent and detect fraud we may at any time: Share information about you with other organisations and public bodies including the Police; check and/or file your details with fraud prevention agencies and databases, and if you give us false or inaccurate information and we suspect fraud, we will record this. We and other organisations may also search these agencies and databases to: help make decisions about the provision and administration of insurance, credit and related services for you and members of your household; trace debtors or beneficiaries, recover debt, prevent fraud and to manage your accounts or insurance policies: check your identity to prevent money laundering, unless you furnish us with satisfactory proof of identity; undertake credit searches and additional fraud searches.

DATA PROTECTION
For Data Protection Act purposes Golf Care is the data controller. We will hold and process your personal data for insurance administration and marketing. For this purpose, the information may also be passed to selected third parties, Underwriters, insurers and reinsurers, and may also be processed outside the European Economic Area (EEA). You understand that all personal data you supply must be accurate. And you have the specific consent of those other person's insured to disclose their personal data. You can ask us for more information about this. Golf Care likes to keep you up to date about its own products and services and those of other companies, which might be of interest to you. However, if you prefer not to be kept informed please notify us in writing by sending your letter to: Golf Care, FREEPOST NAT 21736, Cheadle, SK8 4YA.

LAW APPLICABLE TO THIS INSURANCE
You and we are free to choose the law applicable to this Insurance. You will be governed by the English Law unless you and the Underwriters have agreed otherwise.