Terms of Service
Accepting our Terms of Business
By booking our training courses you are providing your informed agreement to these Terms of Business.
For your own benefit and protection, you should read these terms carefully. If you are unsure about any aspect of our Terms of Business or have any questions regarding our relationship with you, please contact us at the above address.
Scope of service including our product range and the range of insurers used
There are circumstances where we act as an agent of the insurer and where we receive payments from the insurer for work carried out on their behalf; such as binding cover and producing insurance documentation.
Our products are tailored for beauty therapists, holistic therapists, nail technicians, hairdressers, barbers and therapy lecturers. We are under a contractual obligation conduct insurance distribution exclusively with one insurer, Hiscox. Therefore we do not give a personal recommendation on the basis of a fair and personal analysis of the market.
Our products meet the demands and needs of a business in the beauty industry (e.g. beauty therapists, nail technicians, holistic therapists, hairdressers and barbers, therapy lecturers and students) wishing to insure against Public, Products and Professional Treatment liability risks. Sales are non-advised and no personal recommendation is made.
Whilst we endeavour to deal with insurers who demonstrate an adequate level of financial solvency. We will not in any circumstance guarantee the solvency of any insurer.
Hiscox Underwriting Ltd receives commission for this from Hiscox Insurance Company Limited. Hiscox Underwriting Limited do not charge a separate fee for arranging the insurance. You will not receive advice or a recommendation from Hiscox Underwriting Ltd.
Hiscox Underwriting Ltd, registered in England under No. 02372789, at 1 Great St Helen’s, London EX3A 6HX is authorised and regulated by the Financial Conduct Authority. Financial Services Register number is 308922.
Complaints and compensation
We aim to provide you with a high level of customer service at all times but, if you are not satisfied, please contact us:
Write to: Luxury Lush Academy Ellesmere Shopping Centre, Unit 7B, Lower Egerton Walk, Walkden, M28 3JZ
When dealing with your complaint, we will follow our complaint handling procedures; a summary of these procedures is available on request. If you are still not satisfied, you may be entitled to refer the matter to the Financial Ombudsman Service (FOS). For further information you can visit the FOS website www.financial-ombudsman.org.uk.
In certain circumstances, we may be required to refer your complaint to the Insurer. We will let you know if this occurs and the Insurer will then take control of handling your complaint. You are also able to refer to your policy wording if you wish to contact your Insurer directly.
Access to the FOS is available for complainants coming within one of the following categories at the time we receive their complaint:
Consumers (private individuals acting for purposes which are wholly or mainly outside that individual's trade, business, craft, or profession)
Micro-enterprises (businesses employing fewer than 10 persons and with a turnover or annual balance sheet total not exceeding €2 million
Other small businesses (with an annual turnover of below £6.5m, and less than 50 employees or with an annual balance sheet total of below £5 million
Charities with an annual income of under £6.5 million
Trustees of a trust with a net asset value of under £5 million
We are covered by the Financial Services Compensation Scheme (FSCS) for our insurance mediation activities. 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. If you are eligible to claim from the FSCS, compensation is available in relation to insurance advising and arranging as follows:
90% of the claim, without any upper limit;
100% of the claim without any upper limit for
compulsory classes of insurance (such as Third Party Motor or Employers Liability); and
‘pure protection’ contracts, professional indemnity insurance, and general insurance claims arising from the death or incapacity of the policyholder owing to injury, sickness or infirmity, all where the insurance intermediary has failed to pay money to an insurer, pay away money it has received from an insurer, or has failed to take steps to allow the insurer to effect the contract of insurance.
Further information about compensation scheme arrangements is available from the FSCS on 0800 678 1100 (freephone) or 020 7741 4100 or www.fscs.org.uk.
If you have bought your insurance online, you can also register your complaint with the Online Dispute Resolution website, which has been set up by the European Commission.
Cancellation of Training
No refund is payable once a membership application Beauty Guild/ ABT has been accepted and documents have been issued. In the event that local lock down restriction prevent us from completing your practical training element, we can offer a £50 refund for your practical training, however new dates will be issued should you wish to reschedule your training. If you wish to receive a refund you will only receive the practical element of £50.
The processing of your personal data
In your dealings with us you may provide us with information that may include data that is known as personal data. Where we process personal data, we comply with statutory data processing requirements as set out by the Data Protection Act 2018. The personal data we will collect will include information relating to your name, address, date of birth, contact details and ‘criminal offences.
We will process your personal data to allow us to provide you with our services as your insurance broker in quoting for, arranging and administering your insurances. Your personal data will also be used to manage future communications between ourselves. Where you have agreed, or in circumstances where to do so will be in our mutual interests, your personal data will be used to provide you with further information about our wider products and services. You can opt out from receiving such communications by e-mailing email@example.com.
In processing personal data for insurance purposes about health or criminal offences, we will only do so to enable us to provide our service to you and on the basis of it being in the public interest.
We will only use your data for the purpose for which it was collected. We will only grant access to or share your data within our firm or other firms associated with us with other authorised third parties and product and service providers such as insurers where we are entitled to do so by law under lawful data processing.
The Data Protection Act 2018 provides you with Access Rights that allow you to gain an understanding on the data being processed, who we share it with, for what purpose, why we need to retain it and retention periods, to object to the processing and to place restrictions on the processing, to request copies of your data and to request the deletion of your data.
If you require further information on how we process your data or you wish to exercise your rights, please contact our Data Protection Officer by emailing firstname.lastname@example.org. How we process your personal data is detailed further within our Privacy Notice..
These terms and conditions are governed by and are to be interpreted in accordance with English law and in the event of any dispute arising in relation to these terms and conditions the English courts will have non-exclusive jurisdiction over such dispute.