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Domain Name: filesusr.com Registry Domain ID: 2157483194_DOMAIN_COM-VRSN Registrar WHOIS Server: whois.godaddy.com Registrar URL: https://www.godaddy.com Updated Date: 2023-08-29T05:24:11Z Creation Date: 2017-08-28T05:47:56Z Registrar Registration Expiration Date: 2025-08-28T05:47:56Z Registrar: GoDaddy.com, LLC Registrar IANA ID: 146 Registrar Abuse Contact Email: abuse@godaddy.com Registrar Abuse Contact Phone: +1.4806242505 Domain Status: clientTransferProhibited https://icann.org/epp#clientTransferProhibited Domain Status: clientUpdateProhibited https://icann.org/epp#clientUpdateProhibited Domain Status: clientRenewProhibited https://icann.org/epp#clientRenewProhibited Domain Status: clientDeleteProhibited https://icann.org/epp#clientDeleteProhibited Registry Registrant ID: Not Available From Registry Registrant Name: Registration Private Registrant Organization: Domains By Proxy, LLC Registrant Street: DomainsByProxy.com Registrant Street: 2155 E Warner Rd Registrant City: Tempe Registrant State/Province: Arizona Registrant Postal Code: 85284 Registrant Country: US Registrant Phone: +1.4806242599 Registrant Phone Ext: Registrant Fax: Registrant Fax Ext: Registrant Email: Select Contact Domain Holder link at https://www.godaddy.com/whois/results.aspx?domain=filesusr.com Registry Admin ID: Not Available From Registry Admin Name: Registration Private Admin Organization: Domains By Proxy, LLC Admin Street: DomainsByProxy.com Admin Street: 2155 E Warner Rd Admin City: Tempe Admin State/Province: Arizona Admin Postal Code: 85284 Admin Country: US Admin Phone: +1.4806242599 Admin Phone Ext: Admin Fax: Admin Fax Ext: Admin Email: Select Contact Domain Holder link at https://www.godaddy.com/whois/results.aspx?domain=filesusr.com Registry Tech ID: Not Available From Registry Tech Name: Registration Private Tech Organization: Domains By Proxy, LLC Tech Street: DomainsByProxy.com Tech Street: 2155 E Warner Rd Tech City: Tempe Tech State/Province: Arizona Tech Postal Code: 85284 Tech Country: US Tech Phone: +1.4806242599 Tech Phone Ext: Tech Fax: Tech Fax Ext: Tech Email: Select Contact Domain Holder link at https://www.godaddy.com/whois/results.aspx?domain=filesusr.com Name Server: DNS1.P04.NSONE.NET Name Server: DNS2.P04.NSONE.NET Name Server: DNS3.P04.NSONE.NET Name Server: DNS4.P04.NSONE.NET DNSSEC: unsigned URL of the ICANN WHOIS Data Problem Reporting System: http://wdprs.internic.net/ >>> Last update of WHOIS database: 2024-04-25T14:20:44Z <<< For more information on Whois status codes, please visit https://icann.org/epp TERMS OF USE: The data contained in this registrar's Whois database, while believed by the registrar to be reliable, is provided "as is" with no guarantee or warranties regarding its accuracy. This information is provided for the sole purpose of assisting you in obtaining information about domain name registration records. Any use of this data for any other purpose is expressly forbidden without the prior written permission of this registrar. By submitting an inquiry, you agree to these terms and limitations of warranty. In particular, you agree not to use this data to allow, enable, or otherwise support the dissemination or collection of this data, in part or in its entirety, for any purpose, such as transmission by e-mail, telephone, postal mail, facsimile or other means of mass unsolicited, commercial advertising or solicitations of any kind, including spam. You further agree not to use this data to enable high volume, automated or robotic electronic processes designed to collect or compile this data for any purpose, including mining this data for your own personal or commercial purposes. Failure to comply with these terms may result in termination of access to the Whois database. These terms may be subject to modification at any time without notice.
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https://content-signature-2.cdn.mozilla.net/chains/remote-settings.content-signature.mozilla.org-2024-06-09-11-51-09.chain
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aria-owns="page3R_mcid15"></span><span role="heading" aria-level="2" aria-owns="page3R_mcid16"></span><span role="heading" aria-level="3"><span aria-owns="page3R_mcid17"></span><span role="link"><span aria-owns="25R"></span><span aria-owns="page3R_mcid18"></span></span><span aria-owns="page3R_mcid19"></span></span><span role="heading" aria-level="3" aria-owns="page3R_mcid20"></span><span role="heading" aria-level="2" aria-owns="page3R_mcid21"></span><span role="heading" aria-level="2" aria-owns="page3R_mcid22"></span></span></span></canvas></div><div class="textLayer" style="width: calc(var(--scale-factor) * 595.32px); height: calc(var(--scale-factor) * 842.04px);" data-main-rotation="0"><span class="markedContent"></span><span class="markedContent"></span><span class="markedContent"></span><span class="markedContent" id="page3R_mcid0"></span><span class="markedContent" id="page3R_mcid1"></span><span class="markedContent" id="page3R_mcid2"></span><span class="markedContent" id="page3R_mcid3"><span style="left: calc(var(--scale-factor)*53.88px); top: calc(var(--scale-factor)*110.58px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif; transform: scaleX(1.02055);" role="presentation" dir="ltr">TERMS OF BUSINESS</span></span><span class="markedContent" id="page3R_mcid4"></span><span class="markedContent" id="page3R_mcid5"></span><span class="markedContent" id="page3R_mcid6"><br role="presentation"><span style="left: calc(var(--scale-factor)*53.88px); top: calc(var(--scale-factor)*146.94px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif; transform: scaleX(0.998683);" role="presentation" dir="ltr">1.</span><span style="left: calc(var(--scale-factor)*63.36px); top: calc(var(--scale-factor)*146.94px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif;" role="presentation" dir="ltr"> </span><span style="left: calc(var(--scale-factor)*96.50px); top: calc(var(--scale-factor)*146.94px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif; transform: scaleX(0.999062);" role="presentation" dir="ltr">Agreement</span></span><span class="markedContent" id="page3R_mcid7"><br role="presentation"><span style="left: calc(var(--scale-factor)*53.88px); top: calc(var(--scale-factor)*183.06px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif; transform: scaleX(0.87575);" role="presentation" dir="ltr">1.1</span><span style="left: calc(var(--scale-factor)*67.73px); top: calc(var(--scale-factor)*183.06px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif;" role="presentation" dir="ltr"> </span><span style="left: calc(var(--scale-factor)*96.50px); top: calc(var(--scale-factor)*183.06px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif; transform: scaleX(0.890457);" role="presentation" dir="ltr">Should you appoint</span><span style="left: calc(var(--scale-factor)*182.47px); top: calc(var(--scale-factor)*183.06px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif;" role="presentation" dir="ltr"> </span><span style="left: calc(var(--scale-factor)*186.26px); top: calc(var(--scale-factor)*183.06px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif; transform: scaleX(1.03255);" role="presentation" dir="ltr">Provincial Insurance Brokers Limited</span><span style="left: calc(var(--scale-factor)*373.10px); top: calc(var(--scale-factor)*183.06px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif;" role="presentation" dir="ltr"> </span><span style="left: calc(var(--scale-factor)*376.75px); top: calc(var(--scale-factor)*183.06px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif;" role="presentation" dir="ltr">(</span><span style="left: calc(var(--scale-factor)*380.59px); top: calc(var(--scale-factor)*183.06px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif;" role="presentation" dir="ltr">“</span><span style="left: calc(var(--scale-factor)*384.55px); top: calc(var(--scale-factor)*183.06px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif; transform: scaleX(0.915302);" role="presentation" dir="ltr">we, us</span><span style="left: calc(var(--scale-factor)*414.07px); top: calc(var(--scale-factor)*183.06px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif;" role="presentation" dir="ltr">”</span><span style="left: calc(var(--scale-factor)*418.03px); top: calc(var(--scale-factor)*183.06px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif;" role="presentation" dir="ltr">)</span><span style="left: calc(var(--scale-factor)*421.84px); top: calc(var(--scale-factor)*183.06px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif;" role="presentation" dir="ltr"> </span><span style="left: calc(var(--scale-factor)*425.47px); top: calc(var(--scale-factor)*183.06px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif; transform: scaleX(0.903326);" role="presentation" dir="ltr">as your broker</span><span style="left: calc(var(--scale-factor)*490.42px); top: calc(var(--scale-factor)*183.06px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif;" role="presentation" dir="ltr"> </span><span style="left: calc(var(--scale-factor)*494.14px); top: calc(var(--scale-factor)*183.06px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif; transform: scaleX(0.902868);" role="presentation" dir="ltr">we will act</span><br role="presentation"><span style="left: calc(var(--scale-factor)*96.50px); top: calc(var(--scale-factor)*201.18px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif; transform: scaleX(0.863273);" role="presentation" dir="ltr">in</span><span style="left: calc(var(--scale-factor)*104.34px); top: calc(var(--scale-factor)*201.18px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif;" role="presentation" dir="ltr"> </span><span style="left: calc(var(--scale-factor)*107.18px); top: calc(var(--scale-factor)*201.18px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif; transform: scaleX(0.883747);" role="presentation" dir="ltr">accordance with the terms of this agreement. By allowing us to continue to act as your broker you</span><br role="presentation"><span style="left: calc(var(--scale-factor)*96.50px); top: calc(var(--scale-factor)*219.30px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif; transform: scaleX(0.885285);" role="presentation" dir="ltr">agree to be bound by the terms of this agreement.</span></span><span class="markedContent" id="page3R_mcid8"><br role="presentation"><span style="left: calc(var(--scale-factor)*53.88px); top: calc(var(--scale-factor)*237.42px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif; transform: scaleX(0.87575);" role="presentation" dir="ltr">1.2</span><span style="left: calc(var(--scale-factor)*67.73px); top: calc(var(--scale-factor)*237.42px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif;" role="presentation" dir="ltr"> </span><span style="left: calc(var(--scale-factor)*96.50px); top: calc(var(--scale-factor)*237.42px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif; transform: scaleX(0.883435);" role="presentation" dir="ltr">This agreement sets out the terms and conditions</span><span style="left: calc(var(--scale-factor)*316.39px); top: calc(var(--scale-factor)*237.42px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif;" role="presentation" dir="ltr"> </span><span style="left: calc(var(--scale-factor)*319.97px); top: calc(var(--scale-factor)*237.42px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif; transform: scaleX(0.876486);" role="presentation" dir="ltr">(“the terms”)</span><span style="left: calc(var(--scale-factor)*378.19px); top: calc(var(--scale-factor)*237.42px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif;" role="presentation" dir="ltr"> </span><span style="left: calc(var(--scale-factor)*381.55px); top: calc(var(--scale-factor)*237.42px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif; transform: scaleX(0.889918);" role="presentation" dir="ltr">on which we will provide</span><span style="left: calc(var(--scale-factor)*490.25px); top: calc(var(--scale-factor)*237.42px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif;" role="presentation" dir="ltr"> </span><span style="left: calc(var(--scale-factor)*493.66px); top: calc(var(--scale-factor)*237.42px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif; transform: scaleX(0.844546);" role="presentation" dir="ltr">all</span><span style="left: calc(var(--scale-factor)*503.49px); top: calc(var(--scale-factor)*237.42px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif;" role="presentation" dir="ltr"> </span><span style="left: calc(var(--scale-factor)*506.74px); top: calc(var(--scale-factor)*237.42px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif; transform: scaleX(0.853888);" role="presentation" dir="ltr">services</span><br role="presentation"><span style="left: calc(var(--scale-factor)*96.50px); top: calc(var(--scale-factor)*255.54px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif; transform: scaleX(0.884055);" role="presentation" dir="ltr">to y</span><span style="left: calc(var(--scale-factor)*113.30px); top: calc(var(--scale-factor)*255.54px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif; transform: scaleX(0.883684);" role="presentation" dir="ltr">ou</span><span style="left: calc(var(--scale-factor)*124.34px); top: calc(var(--scale-factor)*255.54px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif; transform: scaleX(0.887576);" role="presentation" dir="ltr">, unless we agree</span><span style="left: calc(var(--scale-factor)*201.88px); top: calc(var(--scale-factor)*255.54px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif;" role="presentation" dir="ltr"> </span><span style="left: calc(var(--scale-factor)*205.13px); top: calc(var(--scale-factor)*255.54px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif; transform: scaleX(0.872598);" role="presentation" dir="ltr">otherwise</span><span style="left: calc(var(--scale-factor)*247.67px); top: calc(var(--scale-factor)*255.54px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif;" role="presentation" dir="ltr"> </span><span style="left: calc(var(--scale-factor)*250.85px); top: calc(var(--scale-factor)*255.54px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif; transform: scaleX(0.878509);" role="presentation" dir="ltr">in writing</span><span style="left: calc(var(--scale-factor)*291.89px); top: calc(var(--scale-factor)*255.54px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif;" role="presentation" dir="ltr">.</span></span><span class="markedContent" id="page3R_mcid9"><br role="presentation"><span style="left: calc(var(--scale-factor)*53.88px); top: calc(var(--scale-factor)*273.69px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif; transform: scaleX(0.87575);" role="presentation" dir="ltr">1.3</span><span style="left: calc(var(--scale-factor)*67.73px); top: calc(var(--scale-factor)*273.69px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif;" role="presentation" dir="ltr"> </span><span style="left: calc(var(--scale-factor)*96.50px); top: calc(var(--scale-factor)*273.69px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif; transform: scaleX(0.874249);" role="presentation" dir="ltr">As your insurance broker we act as your representative regarding arranging insurance on your behalf.</span><br role="presentation"><span style="left: calc(var(--scale-factor)*96.50px); top: calc(var(--scale-factor)*291.81px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif; transform: scaleX(0.886113);" role="presentation" dir="ltr">In addition, if requested, w</span><span style="left: calc(var(--scale-factor)*214.97px); top: calc(var(--scale-factor)*291.81px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif;" role="presentation" dir="ltr">e</span><span style="left: calc(var(--scale-factor)*220.21px); top: calc(var(--scale-factor)*291.81px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif;" role="presentation" dir="ltr"> </span><span style="left: calc(var(--scale-factor)*223.01px); top: calc(var(--scale-factor)*291.81px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif; transform: scaleX(0.858241);" role="presentation" dir="ltr">may</span><span style="left: calc(var(--scale-factor)*241.63px); top: calc(var(--scale-factor)*291.81px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif;" role="presentation" dir="ltr"> </span><span style="left: calc(var(--scale-factor)*244.37px); top: calc(var(--scale-factor)*291.81px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif; transform: scaleX(0.870792);" role="presentation" dir="ltr">make recommendations and</span><span style="left: calc(var(--scale-factor)*368.43px); top: calc(var(--scale-factor)*291.81px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif;" role="presentation" dir="ltr"> </span><span style="left: calc(var(--scale-factor)*371.47px); top: calc(var(--scale-factor)*291.81px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif; transform: scaleX(0.871334);" role="presentation" dir="ltr">provide</span><span style="left: calc(var(--scale-factor)*404.05px); top: calc(var(--scale-factor)*291.81px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif;" role="presentation" dir="ltr"> </span><span style="left: calc(var(--scale-factor)*406.87px); top: calc(var(--scale-factor)*291.81px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif; transform: scaleX(0.879484);" role="presentation" dir="ltr">you with</span><span style="left: calc(var(--scale-factor)*444.31px); top: calc(var(--scale-factor)*291.81px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif;" role="presentation" dir="ltr"> </span><span style="left: calc(var(--scale-factor)*447.07px); top: calc(var(--scale-factor)*291.81px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif; transform: scaleX(0.878376);" role="presentation" dir="ltr">our opinion</span><span style="left: calc(var(--scale-factor)*496.53px); top: calc(var(--scale-factor)*291.81px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif;" role="presentation" dir="ltr"> </span><span style="left: calc(var(--scale-factor)*499.42px); top: calc(var(--scale-factor)*291.81px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif; transform: scaleX(0.876008);" role="presentation" dir="ltr">regarding</span><br role="presentation"><span style="left: calc(var(--scale-factor)*96.50px); top: calc(var(--scale-factor)*309.81px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif; transform: scaleX(0.906032);" role="presentation" dir="ltr">potential insurers based on your requirements however the final choice of insurer will remain your</span><br role="presentation"><span style="left: calc(var(--scale-factor)*96.50px); top: calc(var(--scale-factor)*327.93px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif; transform: scaleX(0.885464);" role="presentation" dir="ltr">responsibility.</span></span><span class="markedContent" id="page3R_mcid10"><br role="presentation"><span style="left: calc(var(--scale-factor)*53.88px); top: calc(var(--scale-factor)*346.05px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif; transform: scaleX(0.87575);" role="presentation" dir="ltr">1.4</span><span style="left: calc(var(--scale-factor)*67.73px); top: calc(var(--scale-factor)*346.05px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif;" role="presentation" dir="ltr"> </span><span style="left: calc(var(--scale-factor)*96.50px); top: calc(var(--scale-factor)*346.05px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif; transform: scaleX(0.873617);" role="presentation" dir="ltr">These terms apply until they are varied by agreement in writing between us, or until our appointment</span><br role="presentation"><span style="left: calc(var(--scale-factor)*96.50px); top: calc(var(--scale-factor)*364.17px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif; transform: scaleX(0.862286);" role="presentation" dir="ltr">is cancelled.</span><span style="left: calc(var(--scale-factor)*149.75px); top: calc(var(--scale-factor)*364.17px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif;" role="presentation" dir="ltr"> </span><span style="left: calc(var(--scale-factor)*155.66px); top: calc(var(--scale-factor)*364.17px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif;" role="presentation" dir="ltr">W</span><span style="left: calc(var(--scale-factor)*164.66px); top: calc(var(--scale-factor)*364.17px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif; transform: scaleX(0.869851);" role="presentation" dir="ltr">e may vary th</span><span style="left: calc(var(--scale-factor)*225.17px); top: calc(var(--scale-factor)*364.17px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif; transform: scaleX(0.874675);" role="presentation" dir="ltr">e services we provide you from time to time,</span><span style="left: calc(var(--scale-factor)*420.69px); top: calc(var(--scale-factor)*364.17px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif;" role="presentation" dir="ltr"> </span><span style="left: calc(var(--scale-factor)*423.91px); top: calc(var(--scale-factor)*364.17px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif; transform: scaleX(0.883684);" role="presentation" dir="ltr">on</span><span style="left: calc(var(--scale-factor)*434.87px); top: calc(var(--scale-factor)*364.17px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif;" role="presentation" dir="ltr"> </span><span style="left: calc(var(--scale-factor)*437.71px); top: calc(var(--scale-factor)*364.17px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif; transform: scaleX(0.874328);" role="presentation" dir="ltr">providing</span><span style="left: calc(var(--scale-factor)*478.51px); top: calc(var(--scale-factor)*364.17px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif;" role="presentation" dir="ltr"> </span><span style="left: calc(var(--scale-factor)*481.42px); top: calc(var(--scale-factor)*364.17px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif; transform: scaleX(0.877813);" role="presentation" dir="ltr">notice to you.</span></span><span class="markedContent" id="page3R_mcid11"><br role="presentation"><span style="left: calc(var(--scale-factor)*53.88px); top: calc(var(--scale-factor)*382.29px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif; transform: scaleX(0.87575);" role="presentation" dir="ltr">1.5</span><span style="left: calc(var(--scale-factor)*67.73px); top: calc(var(--scale-factor)*382.29px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif;" role="presentation" dir="ltr"> </span><span style="left: calc(var(--scale-factor)*96.50px); top: calc(var(--scale-factor)*382.29px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif; transform: scaleX(0.881568);" role="presentation" dir="ltr">These terms are in addition to any other terms we may</span><span style="left: calc(var(--scale-factor)*339.51px); top: calc(var(--scale-factor)*382.29px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif;" role="presentation" dir="ltr"> </span><span style="left: calc(var(--scale-factor)*342.91px); top: calc(var(--scale-factor)*382.29px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif; transform: scaleX(0.872154);" role="presentation" dir="ltr">agree</span><span style="left: calc(var(--scale-factor)*367.81px); top: calc(var(--scale-factor)*382.29px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif;" role="presentation" dir="ltr"> </span><span style="left: calc(var(--scale-factor)*370.87px); top: calc(var(--scale-factor)*382.29px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif; transform: scaleX(0.877466);" role="presentation" dir="ltr">from time to time</span><span style="left: calc(var(--scale-factor)*447.91px); top: calc(var(--scale-factor)*382.29px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif;" role="presentation" dir="ltr">.</span><span style="left: calc(var(--scale-factor)*450.93px); top: calc(var(--scale-factor)*382.29px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif;" role="presentation" dir="ltr"> </span><span style="left: calc(var(--scale-factor)*457.03px); top: calc(var(--scale-factor)*382.29px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif; transform: scaleX(0.893438);" role="presentation" dir="ltr">In the event of any</span><br role="presentation"><span style="left: calc(var(--scale-factor)*96.50px); top: calc(var(--scale-factor)*400.41px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif; transform: scaleX(0.891854);" role="presentation" dir="ltr">inconsistency between these terms and such additional terms, the additional terms w</span><span style="left: calc(var(--scale-factor)*479.14px); top: calc(var(--scale-factor)*400.41px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif; transform: scaleX(0.885239);" role="presentation" dir="ltr">ill prevail over</span><br role="presentation"><span style="left: calc(var(--scale-factor)*96.50px); top: calc(var(--scale-factor)*418.53px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif; transform: scaleX(0.871959);" role="presentation" dir="ltr">these terms</span><span style="left: calc(var(--scale-factor)*148.58px); top: calc(var(--scale-factor)*418.53px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif;" role="presentation" dir="ltr">.</span></span><span class="markedContent" id="page3R_mcid12"><br role="presentation"><span style="left: calc(var(--scale-factor)*53.88px); top: calc(var(--scale-factor)*436.65px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif; transform: scaleX(0.87575);" role="presentation" dir="ltr">1.6</span><span style="left: calc(var(--scale-factor)*67.73px); top: calc(var(--scale-factor)*436.65px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif;" role="presentation" dir="ltr"> </span><span style="left: calc(var(--scale-factor)*96.50px); top: calc(var(--scale-factor)*436.65px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif; transform: scaleX(0.914175);" role="presentation" dir="ltr">You will be taken to have accep</span><span style="left: calc(var(--scale-factor)*240.05px); top: calc(var(--scale-factor)*436.65px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif;" role="presentation" dir="ltr">t</span><span style="left: calc(var(--scale-factor)*243.41px); top: calc(var(--scale-factor)*436.65px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif; transform: scaleX(0.906507);" role="presentation" dir="ltr">ed th</span><span style="left: calc(var(--scale-factor)*266.81px); top: calc(var(--scale-factor)*436.65px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif; transform: scaleX(0.915867);" role="presentation" dir="ltr">e terms of th</span><span style="left: calc(var(--scale-factor)*325.73px); top: calc(var(--scale-factor)*436.65px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif; transform: scaleX(0.892568);" role="presentation" dir="ltr">is agreement by continuing to instruct</span><span style="left: calc(var(--scale-factor)*496.26px); top: calc(var(--scale-factor)*436.65px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif;" role="presentation" dir="ltr"> </span><span style="left: calc(var(--scale-factor)*500.26px); top: calc(var(--scale-factor)*436.65px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif; transform: scaleX(0.866087);" role="presentation" dir="ltr">us</span><span style="left: calc(var(--scale-factor)*510.22px); top: calc(var(--scale-factor)*436.65px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif;" role="presentation" dir="ltr"> </span><span style="left: calc(var(--scale-factor)*513.94px); top: calc(var(--scale-factor)*436.65px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif; transform: scaleX(0.864553);" role="presentation" dir="ltr">unless</span><br role="presentation"><span style="left: calc(var(--scale-factor)*96.50px); top: calc(var(--scale-factor)*454.67px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif; transform: scaleX(0.888506);" role="presentation" dir="ltr">we</span><span style="left: calc(var(--scale-factor)*109.18px); top: calc(var(--scale-factor)*454.67px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif;" role="presentation" dir="ltr"> </span><span style="left: calc(var(--scale-factor)*112.34px); top: calc(var(--scale-factor)*454.67px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif; transform: scaleX(0.881949);" role="presentation" dir="ltr">otherwise agreed in writing.</span></span><span class="markedContent" id="page3R_mcid13"></span><span class="markedContent" id="page3R_mcid14"><br role="presentation"><span style="left: calc(var(--scale-factor)*53.88px); top: calc(var(--scale-factor)*490.91px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif; transform: scaleX(0.998683);" role="presentation" dir="ltr">2.</span><span style="left: calc(var(--scale-factor)*63.36px); top: calc(var(--scale-factor)*490.91px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif;" role="presentation" dir="ltr"> </span><span style="left: calc(var(--scale-factor)*96.50px); top: calc(var(--scale-factor)*490.91px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif; transform: scaleX(0.991256);" role="presentation" dir="ltr">Services</span></span><span class="markedContent" id="page3R_mcid15"></span><span class="markedContent" id="page3R_mcid16"><br role="presentation"><span style="left: calc(var(--scale-factor)*53.88px); top: calc(var(--scale-factor)*527.15px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif; transform: scaleX(0.87575);" role="presentation" dir="ltr">2.1</span><span style="left: calc(var(--scale-factor)*67.73px); top: calc(var(--scale-factor)*527.15px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif;" role="presentation" dir="ltr"> </span><span style="left: calc(var(--scale-factor)*96.50px); top: calc(var(--scale-factor)*527.15px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif; transform: scaleX(0.891442);" role="presentation" dir="ltr">We are members of</span><span style="left: calc(var(--scale-factor)*183.74px); top: calc(var(--scale-factor)*527.15px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif;" role="presentation" dir="ltr">:</span></span><span class="markedContent" id="page3R_mcid17"><br role="presentation"><span style="left: calc(var(--scale-factor)*96.50px); top: calc(var(--scale-factor)*545.27px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif; transform: scaleX(0.932762);" role="presentation" dir="ltr">(a)</span><span style="left: calc(var(--scale-factor)*109.43px); top: calc(var(--scale-factor)*545.27px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif;" role="presentation" dir="ltr"> </span><span style="left: calc(var(--scale-factor)*138.98px); top: calc(var(--scale-factor)*545.27px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif; transform: scaleX(0.955911);" role="presentation" dir="ltr">The Insurance Brokers Association of New Zealand Inc.</span><span style="left: calc(var(--scale-factor)*400.46px); top: calc(var(--scale-factor)*545.27px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif;" role="presentation" dir="ltr"> </span><span style="left: calc(var(--scale-factor)*406.39px); top: calc(var(--scale-factor)*545.27px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif; transform: scaleX(0.921706);" role="presentation" dir="ltr">(IBANZ)</span><span style="left: calc(var(--scale-factor)*442.03px); top: calc(var(--scale-factor)*545.27px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif; transform: scaleX(0.958734);" role="presentation" dir="ltr">, a professional body</span><br role="presentation"><span style="left: calc(var(--scale-factor)*138.98px); top: calc(var(--scale-factor)*563.39px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif; transform: scaleX(0.887499);" role="presentation" dir="ltr">representing the interests of member insurance brokers,</span><span style="left: calc(var(--scale-factor)*389.74px); top: calc(var(--scale-factor)*563.39px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif;" role="presentation" dir="ltr"> </span><span style="left: calc(var(--scale-factor)*393.55px); top: calc(var(--scale-factor)*563.39px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif; transform: scaleX(0.895609);" role="presentation" dir="ltr">and subscribe to the IBANZ Code</span><br role="presentation"><span style="left: calc(var(--scale-factor)*138.98px); top: calc(var(--scale-factor)*581.51px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif; transform: scaleX(0.875957);" role="presentation" dir="ltr">of Practice</span><span style="left: calc(var(--scale-factor)*184.99px); top: calc(var(--scale-factor)*581.51px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif;" role="presentation" dir="ltr"> </span><span style="left: calc(var(--scale-factor)*188.18px); top: calc(var(--scale-factor)*581.51px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif; transform: scaleX(0.881975);" role="presentation" dir="ltr">which</span><span style="left: calc(var(--scale-factor)*213.76px); top: calc(var(--scale-factor)*581.51px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif;" role="presentation" dir="ltr"> </span><span style="left: calc(var(--scale-factor)*216.89px); top: calc(var(--scale-factor)*581.51px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif; transform: scaleX(0.885658);" role="presentation" dir="ltr">can be found at</span></span><span class="markedContent" id="page3R_mcid18"><span style="left: calc(var(--scale-factor)*286.28px); top: calc(var(--scale-factor)*581.51px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif;" role="presentation" dir="ltr"> </span><span style="left: calc(var(--scale-factor)*289.49px); top: calc(var(--scale-factor)*581.51px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif; transform: scaleX(0.900596);" dir="ltr" aria-owns="pdfjs_internal_id_25R">www.ibanz.org.nz</span></span><span class="markedContent" id="page3R_mcid19"></span><span class="markedContent" id="page3R_mcid20"><br role="presentation"><span style="left: calc(var(--scale-factor)*96.50px); top: calc(var(--scale-factor)*599.51px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif; transform: scaleX(0.935165);" role="presentation" dir="ltr">(b)</span><span style="left: calc(var(--scale-factor)*109.67px); top: calc(var(--scale-factor)*599.51px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif;" role="presentation" dir="ltr"> </span><span style="left: calc(var(--scale-factor)*138.98px); top: calc(var(--scale-factor)*599.51px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif; transform: scaleX(0.865704);" role="presentation" dir="ltr">Steadfast</span><span style="left: calc(var(--scale-factor)*180.07px); top: calc(var(--scale-factor)*599.51px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif;" role="presentation" dir="ltr"> </span><span style="left: calc(var(--scale-factor)*189.09px); top: calc(var(--scale-factor)*599.51px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif; transform: scaleX(0.860594);" role="presentation" dir="ltr">NZ</span><span style="left: calc(var(--scale-factor)*201.37px); top: calc(var(--scale-factor)*599.51px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif;" role="presentation" dir="ltr"> </span><span style="left: calc(var(--scale-factor)*210.53px); top: calc(var(--scale-factor)*599.51px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif; transform: scaleX(0.861376);" role="presentation" dir="ltr">Limited</span><span style="left: calc(var(--scale-factor)*242.52px); top: calc(var(--scale-factor)*599.51px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif;" role="presentation" dir="ltr"> </span><span style="left: calc(var(--scale-factor)*251.57px); top: calc(var(--scale-factor)*599.51px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif; transform: scaleX(0.884732);" role="presentation" dir="ltr">(Steadfast)</span><span style="left: calc(var(--scale-factor)*300.53px); top: calc(var(--scale-factor)*599.51px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif;" role="presentation" dir="ltr">,</span><span style="left: calc(var(--scale-factor)*303.55px); top: calc(var(--scale-factor)*599.51px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif;" role="presentation" dir="ltr"> </span><span style="left: calc(var(--scale-factor)*312.53px); top: calc(var(--scale-factor)*599.51px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif; transform: scaleX(0.877854);" role="presentation" dir="ltr">which</span><span style="left: calc(var(--scale-factor)*337.99px); top: calc(var(--scale-factor)*599.51px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif;" role="presentation" dir="ltr"> </span><span style="left: calc(var(--scale-factor)*346.99px); top: calc(var(--scale-factor)*599.51px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif; transform: scaleX(0.871334);" role="presentation" dir="ltr">provide</span><span style="left: calc(var(--scale-factor)*379.75px); top: calc(var(--scale-factor)*599.51px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif;" role="presentation" dir="ltr">s</span><span style="left: calc(var(--scale-factor)*384.19px); top: calc(var(--scale-factor)*599.51px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif;" role="presentation" dir="ltr"> </span><span style="left: calc(var(--scale-factor)*393.19px); top: calc(var(--scale-factor)*599.51px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif; transform: scaleX(0.866087);" role="presentation" dir="ltr">us</span><span style="left: calc(var(--scale-factor)*403.15px); top: calc(var(--scale-factor)*599.51px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif;" role="presentation" dir="ltr"> </span><span style="left: calc(var(--scale-factor)*412.25px); top: calc(var(--scale-factor)*599.51px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif; transform: scaleX(0.881403);" role="presentation" dir="ltr">with</span><span style="left: calc(var(--scale-factor)*430.87px); top: calc(var(--scale-factor)*599.51px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif;" role="presentation" dir="ltr"> </span><span style="left: calc(var(--scale-factor)*439.87px); top: calc(var(--scale-factor)*599.51px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif; transform: scaleX(0.870239);" role="presentation" dir="ltr">technology</span><span style="left: calc(var(--scale-factor)*487.98px); top: calc(var(--scale-factor)*599.51px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif;" role="presentation" dir="ltr"> </span><span style="left: calc(var(--scale-factor)*497.05px); top: calc(var(--scale-factor)*599.51px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif; transform: scaleX(0.876071);" role="presentation" dir="ltr">platforms,</span><br role="presentation"><span style="left: calc(var(--scale-factor)*138.98px); top: calc(var(--scale-factor)*617.66px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif; transform: scaleX(0.86549);" role="presentation" dir="ltr">management</span><span style="left: calc(var(--scale-factor)*196.82px); top: calc(var(--scale-factor)*617.66px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif; transform: scaleX(0.884672);" role="presentation" dir="ltr">, marketing,</span><span style="left: calc(var(--scale-factor)*250.09px); top: calc(var(--scale-factor)*617.66px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif;" role="presentation" dir="ltr"> </span><span style="left: calc(var(--scale-factor)*253.25px); top: calc(var(--scale-factor)*617.66px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif; transform: scaleX(0.875539);" role="presentation" dir="ltr">professional, technical and</span><span style="left: calc(var(--scale-factor)*370.38px); top: calc(var(--scale-factor)*617.66px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif;" role="presentation" dir="ltr"> </span><span style="left: calc(var(--scale-factor)*373.63px); top: calc(var(--scale-factor)*617.66px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif; transform: scaleX(0.869151);" role="presentation" dir="ltr">buying</span><span style="left: calc(var(--scale-factor)*403.11px); top: calc(var(--scale-factor)*617.66px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif;" role="presentation" dir="ltr"> </span><span style="left: calc(var(--scale-factor)*406.27px); top: calc(var(--scale-factor)*617.66px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif; transform: scaleX(0.873704);" role="presentation" dir="ltr">benefits and</span><span style="left: calc(var(--scale-factor)*460.56px); top: calc(var(--scale-factor)*617.66px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif;" role="presentation" dir="ltr"> </span><span style="left: calc(var(--scale-factor)*463.75px); top: calc(var(--scale-factor)*617.66px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif; transform: scaleX(0.853888);" role="presentation" dir="ltr">services</span><span style="left: calc(var(--scale-factor)*498.64px); top: calc(var(--scale-factor)*617.66px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif;" role="presentation" dir="ltr"> </span><span style="left: calc(var(--scale-factor)*501.94px); top: calc(var(--scale-factor)*617.66px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif; transform: scaleX(0.871695);" role="presentation" dir="ltr">support</span><span style="left: calc(var(--scale-factor)*535.30px); top: calc(var(--scale-factor)*617.66px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif;" role="presentation" dir="ltr">.</span></span><span class="markedContent" id="page3R_mcid21"><br role="presentation"><span style="left: calc(var(--scale-factor)*53.88px); top: calc(var(--scale-factor)*635.78px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif; transform: scaleX(0.87575);" role="presentation" dir="ltr">2.2</span><span style="left: calc(var(--scale-factor)*67.73px); top: calc(var(--scale-factor)*635.78px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif;" role="presentation" dir="ltr"> </span><span style="left: calc(var(--scale-factor)*96.50px); top: calc(var(--scale-factor)*635.78px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif; transform: scaleX(0.887882);" role="presentation" dir="ltr">Our</span><span style="left: calc(var(--scale-factor)*112.70px); top: calc(var(--scale-factor)*635.78px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif;" role="presentation" dir="ltr"> </span><span style="left: calc(var(--scale-factor)*115.82px); top: calc(var(--scale-factor)*635.78px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif; transform: scaleX(0.866613);" role="presentation" dir="ltr">services are</span><span style="left: calc(var(--scale-factor)*167.92px); top: calc(var(--scale-factor)*635.78px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif;" role="presentation" dir="ltr"> </span><span style="left: calc(var(--scale-factor)*171.14px); top: calc(var(--scale-factor)*635.78px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif; transform: scaleX(0.881317);" role="presentation" dir="ltr">limited to the provision of insurance broking</span><span style="left: calc(var(--scale-factor)*365.95px); top: calc(var(--scale-factor)*635.78px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif;" role="presentation" dir="ltr">,</span><span style="left: calc(var(--scale-factor)*368.97px); top: calc(var(--scale-factor)*635.78px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif;" role="presentation" dir="ltr"> </span><span style="left: calc(var(--scale-factor)*372.07px); top: calc(var(--scale-factor)*635.78px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif; transform: scaleX(0.869115);" role="presentation" dir="ltr">risk management</span><span style="left: calc(var(--scale-factor)*448.27px); top: calc(var(--scale-factor)*635.78px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif;" role="presentation" dir="ltr"> </span><span style="left: calc(var(--scale-factor)*451.63px); top: calc(var(--scale-factor)*635.78px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif; transform: scaleX(0.869971);" role="presentation" dir="ltr">and</span><span style="left: calc(var(--scale-factor)*467.92px); top: calc(var(--scale-factor)*635.78px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif;" role="presentation" dir="ltr"> </span><span style="left: calc(var(--scale-factor)*471.10px); top: calc(var(--scale-factor)*635.78px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif; transform: scaleX(0.862569);" role="presentation" dir="ltr">financial</span><span style="left: calc(var(--scale-factor)*507.41px); top: calc(var(--scale-factor)*635.78px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif;" role="presentation" dir="ltr"> </span><span style="left: calc(var(--scale-factor)*510.58px); top: calc(var(--scale-factor)*635.78px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif; transform: scaleX(0.863441);" role="presentation" dir="ltr">advice.</span><br role="presentation"><span style="left: calc(var(--scale-factor)*96.50px); top: calc(var(--scale-factor)*653.90px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif; transform: scaleX(0.914511);" role="presentation" dir="ltr">Under no circumstances do we or will we act as an insurer.</span><span style="left: calc(var(--scale-factor)*364.32px); top: calc(var(--scale-factor)*653.90px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif;" role="presentation" dir="ltr"> </span><span style="left: calc(var(--scale-factor)*371.98px); top: calc(var(--scale-factor)*653.90px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif; transform: scaleX(0.900764);" role="presentation" dir="ltr">Nor do we provide safety inspections,</span><br role="presentation"><span style="left: calc(var(--scale-factor)*96.50px); top: calc(var(--scale-factor)*672.02px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif; transform: scaleX(0.87917);" role="presentation" dir="ltr">valuations or advice on every potential hazard or threat to your business.</span></span><span class="markedContent" id="page3R_mcid22"><br role="presentation"><span style="left: calc(var(--scale-factor)*53.88px); top: calc(var(--scale-factor)*690.14px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif; transform: scaleX(0.87575);" role="presentation" dir="ltr">2.3</span><span style="left: calc(var(--scale-factor)*67.73px); top: calc(var(--scale-factor)*690.14px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif;" role="presentation" dir="ltr"> </span><span style="left: calc(var(--scale-factor)*96.50px); top: calc(var(--scale-factor)*690.14px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif; transform: scaleX(0.869423);" role="presentation" dir="ltr">We cannot guarantee that all risks to your assets, person or business wi</span><span style="left: calc(var(--scale-factor)*409.51px); top: calc(var(--scale-factor)*690.14px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif; transform: scaleX(0.8626);" role="presentation" dir="ltr">ll be covered</span><span style="left: calc(var(--scale-factor)*464.90px); top: calc(var(--scale-factor)*690.14px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif;" role="presentation" dir="ltr"> </span><span style="left: calc(var(--scale-factor)*467.59px); top: calc(var(--scale-factor)*690.14px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif; transform: scaleX(0.863216);" role="presentation" dir="ltr">by any insurance</span><br role="presentation"><span style="left: calc(var(--scale-factor)*96.50px); top: calc(var(--scale-factor)*708.26px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif; transform: scaleX(0.887394);" role="presentation" dir="ltr">we arrange</span><span style="left: calc(var(--scale-factor)*146.55px); top: calc(var(--scale-factor)*708.26px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif;" role="presentation" dir="ltr"> </span><span style="left: calc(var(--scale-factor)*150.02px); top: calc(var(--scale-factor)*708.26px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif; transform: scaleX(0.888458);" role="presentation" dir="ltr">on your behalf</span><span style="left: calc(var(--scale-factor)*214.25px); top: calc(var(--scale-factor)*708.26px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif;" role="presentation" dir="ltr">.</span><span style="left: calc(var(--scale-factor)*217.27px); top: calc(var(--scale-factor)*708.26px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif;" role="presentation" dir="ltr"> </span><span style="left: calc(var(--scale-factor)*224.05px); top: calc(var(--scale-factor)*708.26px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif;" role="presentation" dir="ltr">Y</span><span style="left: calc(var(--scale-factor)*229.85px); top: calc(var(--scale-factor)*708.26px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif; transform: scaleX(0.884877);" role="presentation" dir="ltr">ou should carefully read all policies and other documentation we issue</span><br role="presentation"><span style="left: calc(var(--scale-factor)*96.50px); top: calc(var(--scale-factor)*726.38px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif; transform: scaleX(0.884771);" role="presentation" dir="ltr">so you understand what is or is not covered</span><span style="left: calc(var(--scale-factor)*290.21px); top: calc(var(--scale-factor)*726.38px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif;" role="presentation" dir="ltr">.</span></span><span class="markedContent" id="page3R_mcid23"></span><div class="endOfContent"></div></div><div class="annotationLayer" style="width: calc(var(--scale-factor) * 595.32px); height: calc(var(--scale-factor) * 842.04px);" data-main-rotation="0"><section data-annotation-id="25R" style="left: 48.2463%; top: 68.7556%; width: 14.0278%; height: 2.15073%; z-index: 0;" class="linkAnnotation"><a data-element-id="25R" title="http://www.ibanz.org.nz/" href="http://www.ibanz.org.nz/" target="" rel="noopener noreferrer nofollow" id="pdfjs_internal_id_25R"></a></section></div><div class="annotationEditorLayer" tabindex="0" style="pointer-events: none; width: calc(var(--scale-factor) * 595.32px); height: calc(var(--scale-factor) * 842.04px);" data-main-rotation="0" hidden=""></div></div><div class="page" data-page-number="2" role="region" style="width: calc(var(--scale-factor) * 595.32px); height: calc(var(--scale-factor) * 842.04px);" aria-label="Page 2" data-loaded="true"><div class="canvasWrapper"><canvas role="presentation" style="width: 993px; height: 1404px;" width="993" height="1404"><span class="structTree"><span><span role="heading" aria-level="2" aria-owns="page27R_mcid0"></span><span role="heading" aria-level="2" aria-owns="page27R_mcid1"></span><span role="heading" aria-level="2" aria-owns="page27R_mcid2"></span><span role="heading" aria-level="2" aria-owns="page27R_mcid3"></span><span role="heading" aria-level="2" aria-owns="page27R_mcid4"></span><span role="heading" aria-level="2" aria-owns="page27R_mcid5"></span><span aria-owns="page27R_mcid6"></span><span role="heading" aria-level="1" aria-owns="page27R_mcid7"></span><span role="heading" aria-level="2" aria-owns="page27R_mcid8"></span><span role="heading" aria-level="2" aria-owns="page27R_mcid9"></span><span role="heading" aria-level="2" aria-owns="page27R_mcid10"></span><span role="heading" aria-level="2" aria-owns="page27R_mcid11"></span><span role="heading" aria-level="2" aria-owns="page27R_mcid12"></span><span role="heading" aria-level="2" aria-owns="page27R_mcid13"></span><span role="heading" aria-level="2" aria-owns="page27R_mcid14"></span></span></span></canvas></div><div class="textLayer" style="width: calc(var(--scale-factor) * 595.32px); height: calc(var(--scale-factor) * 842.04px);" data-main-rotation="0"><span class="markedContent"><span style="left: calc(var(--scale-factor)*287.69px); top: calc(var(--scale-factor)*37.96px); font-size: calc(var(--scale-factor)*12.00px); font-family: sans-serif;" role="presentation" dir="ltr">-</span><span style="left: calc(var(--scale-factor)*291.69px); top: calc(var(--scale-factor)*37.96px); font-size: calc(var(--scale-factor)*12.00px); font-family: sans-serif;" role="presentation" dir="ltr"> </span><span style="left: calc(var(--scale-factor)*294.65px); top: calc(var(--scale-factor)*37.96px); font-size: calc(var(--scale-factor)*12.00px); font-family: sans-serif;" role="presentation" dir="ltr">2</span><span style="left: calc(var(--scale-factor)*300.65px); top: calc(var(--scale-factor)*37.96px); font-size: calc(var(--scale-factor)*12.00px); font-family: sans-serif;" role="presentation" dir="ltr"> </span><span style="left: calc(var(--scale-factor)*303.65px); top: calc(var(--scale-factor)*37.96px); font-size: calc(var(--scale-factor)*12.00px); font-family: sans-serif;" role="presentation" dir="ltr">-</span></span><span class="markedContent"></span><span class="markedContent" id="page27R_mcid0"><br role="presentation"><span style="left: calc(var(--scale-factor)*53.88px); top: calc(var(--scale-factor)*74.44px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif; transform: scaleX(0.87575);" role="presentation" dir="ltr">2.4</span><span style="left: calc(var(--scale-factor)*67.73px); top: calc(var(--scale-factor)*74.44px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif;" role="presentation" dir="ltr"> </span><span style="left: calc(var(--scale-factor)*95.90px); top: calc(var(--scale-factor)*74.44px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif; transform: scaleX(0.912327);" role="presentation" dir="ltr">We will make recommendations regarding insurers based on your requirements howev</span><span style="left: calc(var(--scale-factor)*491.14px); top: calc(var(--scale-factor)*74.44px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif; transform: scaleX(0.926337);" role="presentation" dir="ltr">er the final</span><br role="presentation"><span style="left: calc(var(--scale-factor)*95.90px); top: calc(var(--scale-factor)*92.58px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif; transform: scaleX(0.881213);" role="presentation" dir="ltr">choice of insurer will remain</span><span style="left: calc(var(--scale-factor)*219.70px); top: calc(var(--scale-factor)*92.58px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif;" role="presentation" dir="ltr"> </span><span style="left: calc(var(--scale-factor)*222.89px); top: calc(var(--scale-factor)*92.58px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif; transform: scaleX(0.871378);" role="presentation" dir="ltr">your responsibility</span><span style="left: calc(var(--scale-factor)*302.93px); top: calc(var(--scale-factor)*92.58px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif;" role="presentation" dir="ltr">.</span></span><span class="markedContent" id="page27R_mcid1"><br role="presentation"><span style="left: calc(var(--scale-factor)*53.88px); top: calc(var(--scale-factor)*110.70px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif; transform: scaleX(0.87575);" role="presentation" dir="ltr">2.5</span><span style="left: calc(var(--scale-factor)*67.73px); top: calc(var(--scale-factor)*110.70px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif;" role="presentation" dir="ltr"> </span><span style="left: calc(var(--scale-factor)*95.90px); top: calc(var(--scale-factor)*110.70px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif; transform: scaleX(0.899708);" role="presentation" dir="ltr">We will perform our services with reasonable</span><span style="left: calc(var(--scale-factor)*297.47px); top: calc(var(--scale-factor)*110.70px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif;" role="presentation" dir="ltr"> </span><span style="left: calc(var(--scale-factor)*301.49px); top: calc(var(--scale-factor)*110.70px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif; transform: scaleX(0.864862);" role="presentation" dir="ltr">care</span><span style="left: calc(var(--scale-factor)*320.21px); top: calc(var(--scale-factor)*110.70px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif; transform: scaleX(0.880502);" role="presentation" dir="ltr">, diligence</span><span style="left: calc(var(--scale-factor)*365.39px); top: calc(var(--scale-factor)*110.70px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif;" role="presentation" dir="ltr"> </span><span style="left: calc(var(--scale-factor)*369.19px); top: calc(var(--scale-factor)*110.70px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif; transform: scaleX(0.902961);" role="presentation" dir="ltr">and skill, based on the needs that you</span><br role="presentation"><span style="left: calc(var(--scale-factor)*95.90px); top: calc(var(--scale-factor)*128.82px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif; transform: scaleX(0.875863);" role="presentation" dir="ltr">have expressly advised us of</span><span style="left: calc(var(--scale-factor)*222.11px); top: calc(var(--scale-factor)*128.82px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif;" role="presentation" dir="ltr"> </span><span style="left: calc(var(--scale-factor)*225.29px); top: calc(var(--scale-factor)*128.82px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif; transform: scaleX(0.878824);" role="presentation" dir="ltr">together with</span><span style="left: calc(var(--scale-factor)*284.30px); top: calc(var(--scale-factor)*128.82px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif;" role="presentation" dir="ltr"> </span><span style="left: calc(var(--scale-factor)*287.45px); top: calc(var(--scale-factor)*128.82px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif; transform: scaleX(0.88126);" role="presentation" dir="ltr">the information you have provided.</span></span><span class="markedContent" id="page27R_mcid2"><br role="presentation"><span style="left: calc(var(--scale-factor)*53.88px); top: calc(var(--scale-factor)*146.94px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif; transform: scaleX(0.87575);" role="presentation" dir="ltr">2.6</span><span style="left: calc(var(--scale-factor)*67.73px); top: calc(var(--scale-factor)*146.94px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif;" role="presentation" dir="ltr"> </span><span style="left: calc(var(--scale-factor)*95.90px); top: calc(var(--scale-factor)*146.94px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif; transform: scaleX(0.891796);" role="presentation" dir="ltr">We may</span><span style="left: calc(var(--scale-factor)*131.79px); top: calc(var(--scale-factor)*146.94px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif;" role="presentation" dir="ltr"> </span><span style="left: calc(var(--scale-factor)*134.78px); top: calc(var(--scale-factor)*146.94px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif; transform: scaleX(0.872588);" role="presentation" dir="ltr">provide you with assistance in placing and servicing overseas insurance, or the management</span><br role="presentation"><span style="left: calc(var(--scale-factor)*95.90px); top: calc(var(--scale-factor)*164.94px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif; transform: scaleX(0.862862);" role="presentation" dir="ltr">of overseas risk</span><span style="left: calc(var(--scale-factor)*163.68px); top: calc(var(--scale-factor)*164.94px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif;" role="presentation" dir="ltr"> </span><span style="left: calc(var(--scale-factor)*166.34px); top: calc(var(--scale-factor)*164.94px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif; transform: scaleX(0.876352);" role="presentation" dir="ltr">and</span><span style="left: calc(var(--scale-factor)*182.75px); top: calc(var(--scale-factor)*164.94px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif;" role="presentation" dir="ltr"> </span><span style="left: calc(var(--scale-factor)*185.42px); top: calc(var(--scale-factor)*164.94px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif; transform: scaleX(0.860847);" role="presentation" dir="ltr">may engage the serv</span><span style="left: calc(var(--scale-factor)*276.89px); top: calc(var(--scale-factor)*164.94px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif; transform: scaleX(0.862871);" role="presentation" dir="ltr">ices of</span><span style="left: calc(var(--scale-factor)*304.78px); top: calc(var(--scale-factor)*164.94px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif;" role="presentation" dir="ltr"> </span><span style="left: calc(var(--scale-factor)*307.37px); top: calc(var(--scale-factor)*164.94px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif;" role="presentation" dir="ltr">a</span><span style="left: calc(var(--scale-factor)*312.60px); top: calc(var(--scale-factor)*164.94px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif;" role="presentation" dir="ltr"> </span><span style="left: calc(var(--scale-factor)*315.29px); top: calc(var(--scale-factor)*164.94px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif; transform: scaleX(0.871607);" role="presentation" dir="ltr">third</span><span style="left: calc(var(--scale-factor)*335.71px); top: calc(var(--scale-factor)*164.94px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif;" role="presentation" dir="ltr">-</span><span style="left: calc(var(--scale-factor)*339.43px); top: calc(var(--scale-factor)*164.94px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif; transform: scaleX(0.863074);" role="presentation" dir="ltr">party</span><span style="left: calc(var(--scale-factor)*362.13px); top: calc(var(--scale-factor)*164.94px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif;" role="presentation" dir="ltr"> </span><span style="left: calc(var(--scale-factor)*364.75px); top: calc(var(--scale-factor)*164.94px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif; transform: scaleX(0.865103);" role="presentation" dir="ltr">consultant</span><span style="left: calc(var(--scale-factor)*410.04px); top: calc(var(--scale-factor)*164.94px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif;" role="presentation" dir="ltr"> </span><span style="left: calc(var(--scale-factor)*412.75px); top: calc(var(--scale-factor)*164.94px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif; transform: scaleX(0.867196);" role="presentation" dir="ltr">to assist us with the provision</span><br role="presentation"><span style="left: calc(var(--scale-factor)*95.90px); top: calc(var(--scale-factor)*183.06px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif; transform: scaleX(0.893288);" role="presentation" dir="ltr">of</span><span style="left: calc(var(--scale-factor)*104.48px); top: calc(var(--scale-factor)*183.06px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif;" role="presentation" dir="ltr"> </span><span style="left: calc(var(--scale-factor)*107.54px); top: calc(var(--scale-factor)*183.06px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif; transform: scaleX(0.865765);" role="presentation" dir="ltr">such services</span><span style="left: calc(var(--scale-factor)*165.86px); top: calc(var(--scale-factor)*183.06px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif;" role="presentation" dir="ltr">.</span></span><span class="markedContent" id="page27R_mcid3"><br role="presentation"><span style="left: calc(var(--scale-factor)*53.88px); top: calc(var(--scale-factor)*201.18px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif; transform: scaleX(0.87575);" role="presentation" dir="ltr">2.7</span><span style="left: calc(var(--scale-factor)*67.73px); top: calc(var(--scale-factor)*201.18px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif;" role="presentation" dir="ltr"> </span><span style="left: calc(var(--scale-factor)*95.90px); top: calc(var(--scale-factor)*201.18px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif; transform: scaleX(0.863838);" role="presentation" dir="ltr">We make no representation or warranty concerning the solvency or ability of any insurer to pay claims.</span><br role="presentation"><span style="left: calc(var(--scale-factor)*95.90px); top: calc(var(--scale-factor)*219.30px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif; transform: scaleX(0.943181);" role="presentation" dir="ltr">In New Zealand, i</span><span style="left: calc(var(--scale-factor)*177.98px); top: calc(var(--scale-factor)*219.30px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif; transform: scaleX(0.925772);" role="presentation" dir="ltr">nsurers are required to comply with the</span><span style="left: calc(var(--scale-factor)*360.88px); top: calc(var(--scale-factor)*219.30px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif;" role="presentation" dir="ltr"> </span><span style="left: calc(var(--scale-factor)*365.35px); top: calc(var(--scale-factor)*219.30px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif; transform: scaleX(0.903407);" role="presentation" dir="ltr">provisions of</span><span style="left: calc(var(--scale-factor)*422.49px); top: calc(var(--scale-factor)*219.30px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif;" role="presentation" dir="ltr"> </span><span style="left: calc(var(--scale-factor)*427.03px); top: calc(var(--scale-factor)*219.30px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif; transform: scaleX(0.863119);" role="presentation" dir="ltr">the</span><span style="left: calc(var(--scale-factor)*441.13px); top: calc(var(--scale-factor)*219.30px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif;" role="presentation" dir="ltr"> </span><span style="left: calc(var(--scale-factor)*445.39px); top: calc(var(--scale-factor)*219.30px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif; transform: scaleX(0.903344);" role="presentation" dir="ltr">Insurance (Prudential</span><br role="presentation"><span style="left: calc(var(--scale-factor)*95.90px); top: calc(var(--scale-factor)*237.42px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif; transform: scaleX(0.900993);" role="presentation" dir="ltr">Supervision) Act 2010 Financial Strength Rating.</span><span style="left: calc(var(--scale-factor)*313.15px); top: calc(var(--scale-factor)*237.42px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif;" role="presentation" dir="ltr"> </span><span style="left: calc(var(--scale-factor)*317.33px); top: calc(var(--scale-factor)*237.42px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif; transform: scaleX(0.924164);" role="presentation" dir="ltr">We</span><span style="left: calc(var(--scale-factor)*331.55px); top: calc(var(--scale-factor)*237.42px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif;" role="presentation" dir="ltr"> </span><span style="left: calc(var(--scale-factor)*335.83px); top: calc(var(--scale-factor)*237.42px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif; transform: scaleX(0.86764);" role="presentation" dir="ltr">will</span><span style="left: calc(var(--scale-factor)*350.10px); top: calc(var(--scale-factor)*237.42px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif;" role="presentation" dir="ltr"> </span><span style="left: calc(var(--scale-factor)*354.07px); top: calc(var(--scale-factor)*237.42px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif; transform: scaleX(0.911014);" role="presentation" dir="ltr">inform you of such ratings</span><span style="left: calc(var(--scale-factor)*473.22px); top: calc(var(--scale-factor)*237.42px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif;" role="presentation" dir="ltr"> </span><span style="left: calc(var(--scale-factor)*477.34px); top: calc(var(--scale-factor)*237.42px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif; transform: scaleX(0.904241);" role="presentation" dir="ltr">and the rating</span><br role="presentation"><span style="left: calc(var(--scale-factor)*95.90px); top: calc(var(--scale-factor)*255.54px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif; transform: scaleX(0.849278);" role="presentation" dir="ltr">scale</span><span style="left: calc(var(--scale-factor)*117.74px); top: calc(var(--scale-factor)*255.54px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif;" role="presentation" dir="ltr">.</span></span><span class="markedContent" id="page27R_mcid4"><br role="presentation"><span style="left: calc(var(--scale-factor)*53.88px); top: calc(var(--scale-factor)*273.69px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif; transform: scaleX(0.87575);" role="presentation" dir="ltr">2.8</span><span style="left: calc(var(--scale-factor)*67.73px); top: calc(var(--scale-factor)*273.69px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif;" role="presentation" dir="ltr"> </span><span style="left: calc(var(--scale-factor)*96.50px); top: calc(var(--scale-factor)*273.69px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif; transform: scaleX(0.871947);" role="presentation" dir="ltr">We will negotiate with insurers on your behalf and will</span><span style="left: calc(var(--scale-factor)*331.94px); top: calc(var(--scale-factor)*273.69px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif;" role="presentation" dir="ltr"> </span><span style="left: calc(var(--scale-factor)*335.11px); top: calc(var(--scale-factor)*273.69px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif; transform: scaleX(0.871233);" role="presentation" dir="ltr">use our</span><span style="left: calc(var(--scale-factor)*367.59px); top: calc(var(--scale-factor)*273.69px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif;" role="presentation" dir="ltr"> </span><span style="left: calc(var(--scale-factor)*370.27px); top: calc(var(--scale-factor)*273.69px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif; transform: scaleX(0.861443);" role="presentation" dir="ltr">best</span><span style="left: calc(var(--scale-factor)*388.83px); top: calc(var(--scale-factor)*273.69px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif;" role="presentation" dir="ltr"> </span><span style="left: calc(var(--scale-factor)*391.63px); top: calc(var(--scale-factor)*273.69px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif; transform: scaleX(0.867758);" role="presentation" dir="ltr">endeavours</span><span style="left: calc(var(--scale-factor)*442.45px); top: calc(var(--scale-factor)*273.69px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif;" role="presentation" dir="ltr"> </span><span style="left: calc(var(--scale-factor)*445.27px); top: calc(var(--scale-factor)*273.69px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif; transform: scaleX(0.865148);" role="presentation" dir="ltr">to ensure that policies</span><br role="presentation"><span style="left: calc(var(--scale-factor)*96.50px); top: calc(var(--scale-factor)*291.81px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif; transform: scaleX(0.901576);" role="presentation" dir="ltr">and endorsements for insurance we place on your behalf are issued by your insurers promptly and</span><br role="presentation"><span style="left: calc(var(--scale-factor)*96.50px); top: calc(var(--scale-factor)*309.81px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif; transform: scaleX(0.879347);" role="presentation" dir="ltr">correctly. These documents detail the precise terms and conditions relating to the insurance we have</span><br role="presentation"><span style="left: calc(var(--scale-factor)*96.50px); top: calc(var(--scale-factor)*327.93px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif; transform: scaleX(0.875324);" role="presentation" dir="ltr">arranged for you and</span><span style="left: calc(var(--scale-factor)*188.83px); top: calc(var(--scale-factor)*327.93px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif;" role="presentation" dir="ltr"> </span><span style="left: calc(var(--scale-factor)*191.66px); top: calc(var(--scale-factor)*327.93px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif; transform: scaleX(0.873998);" role="presentation" dir="ltr">the informat</span><span style="left: calc(var(--scale-factor)*245.81px); top: calc(var(--scale-factor)*327.93px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif; transform: scaleX(0.867081);" role="presentation" dir="ltr">ion contained in them is</span><span style="left: calc(var(--scale-factor)*350.11px); top: calc(var(--scale-factor)*327.93px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif;" role="presentation" dir="ltr"> </span><span style="left: calc(var(--scale-factor)*352.99px); top: calc(var(--scale-factor)*327.93px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif; transform: scaleX(0.87288);" role="presentation" dir="ltr">important.</span><span style="left: calc(var(--scale-factor)*398.68px); top: calc(var(--scale-factor)*327.93px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif;" role="presentation" dir="ltr"> </span><span style="left: calc(var(--scale-factor)*404.23px); top: calc(var(--scale-factor)*327.93px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif; transform: scaleX(0.886166);" role="presentation" dir="ltr">You should carefully read</span><span style="left: calc(var(--scale-factor)*514.89px); top: calc(var(--scale-factor)*327.93px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif;" role="presentation" dir="ltr"> </span><span style="left: calc(var(--scale-factor)*517.78px); top: calc(var(--scale-factor)*327.93px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif; transform: scaleX(0.860968);" role="presentation" dir="ltr">these</span><br role="presentation"><span style="left: calc(var(--scale-factor)*96.50px); top: calc(var(--scale-factor)*346.05px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif; transform: scaleX(0.879255);" role="presentation" dir="ltr">documents to confirm they meet your requirements, storing</span><span style="left: calc(var(--scale-factor)*360.47px); top: calc(var(--scale-factor)*346.05px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif;" role="presentation" dir="ltr"> </span><span style="left: calc(var(--scale-factor)*363.91px); top: calc(var(--scale-factor)*346.05px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif; transform: scaleX(0.8715);" role="presentation" dir="ltr">these documents</span><span style="left: calc(var(--scale-factor)*439.07px); top: calc(var(--scale-factor)*346.05px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif;" role="presentation" dir="ltr"> </span><span style="left: calc(var(--scale-factor)*442.27px); top: calc(var(--scale-factor)*346.05px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif; transform: scaleX(0.86035);" role="presentation" dir="ltr">safely</span><span style="left: calc(var(--scale-factor)*467.74px); top: calc(var(--scale-factor)*346.05px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif;" role="presentation" dir="ltr">.</span></span><span class="markedContent" id="page27R_mcid5"><br role="presentation"><span style="left: calc(var(--scale-factor)*53.88px); top: calc(var(--scale-factor)*364.17px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif; transform: scaleX(0.87575);" role="presentation" dir="ltr">2.9</span><span style="left: calc(var(--scale-factor)*67.73px); top: calc(var(--scale-factor)*364.17px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif;" role="presentation" dir="ltr"> </span><span style="left: calc(var(--scale-factor)*95.90px); top: calc(var(--scale-factor)*364.17px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif; transform: scaleX(0.876952);" role="presentation" dir="ltr">Upon our receipt of premiums and related statutory charges from you, we will</span><span style="left: calc(var(--scale-factor)*436.78px); top: calc(var(--scale-factor)*364.17px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif;" role="presentation" dir="ltr"> </span><span style="left: calc(var(--scale-factor)*439.99px); top: calc(var(--scale-factor)*364.17px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif; transform: scaleX(0.870837);" role="presentation" dir="ltr">arrange for their timely</span><br role="presentation"><span style="left: calc(var(--scale-factor)*95.90px); top: calc(var(--scale-factor)*382.29px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif; transform: scaleX(0.856504);" role="presentation" dir="ltr">dis</span><span style="left: calc(var(--scale-factor)*108.14px); top: calc(var(--scale-factor)*382.29px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif; transform: scaleX(0.877746);" role="presentation" dir="ltr">bursement to the relevant insurers</span><span style="left: calc(var(--scale-factor)*261.05px); top: calc(var(--scale-factor)*382.29px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif;" role="presentation" dir="ltr">.</span></span><span class="markedContent" id="page27R_mcid6"></span><span class="markedContent" id="page27R_mcid7"><br role="presentation"><span style="left: calc(var(--scale-factor)*53.88px); top: calc(var(--scale-factor)*418.53px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif; transform: scaleX(0.998683);" role="presentation" dir="ltr">3.</span><span style="left: calc(var(--scale-factor)*63.36px); top: calc(var(--scale-factor)*418.53px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif;" role="presentation" dir="ltr"> </span><span style="left: calc(var(--scale-factor)*96.50px); top: calc(var(--scale-factor)*418.53px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif; transform: scaleX(1.01608);" role="presentation" dir="ltr">Remuneratio</span><span style="left: calc(var(--scale-factor)*161.54px); top: calc(var(--scale-factor)*418.53px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif;" role="presentation" dir="ltr">n</span></span><span class="markedContent" id="page27R_mcid8"><br role="presentation"><span style="left: calc(var(--scale-factor)*53.88px); top: calc(var(--scale-factor)*454.67px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif; transform: scaleX(0.87575);" role="presentation" dir="ltr">3.1</span><span style="left: calc(var(--scale-factor)*67.73px); top: calc(var(--scale-factor)*454.67px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif;" role="presentation" dir="ltr"> </span><span style="left: calc(var(--scale-factor)*95.90px); top: calc(var(--scale-factor)*454.67px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif;" role="presentation" dir="ltr">W</span><span style="left: calc(var(--scale-factor)*104.90px); top: calc(var(--scale-factor)*454.67px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif; transform: scaleX(0.923663);" role="presentation" dir="ltr">e will be remunerated by commission from the insurer</span><span style="left: calc(var(--scale-factor)*355.18px); top: calc(var(--scale-factor)*454.67px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif;" role="presentation" dir="ltr"> </span><span style="left: calc(var(--scale-factor)*360.07px); top: calc(var(--scale-factor)*454.67px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif; transform: scaleX(0.92601);" role="presentation" dir="ltr">we place your policy with</span><span style="left: calc(var(--scale-factor)*477.22px); top: calc(var(--scale-factor)*454.67px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif;" role="presentation" dir="ltr"> </span><span style="left: calc(var(--scale-factor)*481.90px); top: calc(var(--scale-factor)*454.67px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif; transform: scaleX(0.89652);" role="presentation" dir="ltr">(this includes</span><br role="presentation"><span style="left: calc(var(--scale-factor)*95.90px); top: calc(var(--scale-factor)*472.79px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif; transform: scaleX(0.878096);" role="presentation" dir="ltr">renewal</span><span style="left: calc(var(--scale-factor)*130.58px); top: calc(var(--scale-factor)*472.79px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif;" role="presentation" dir="ltr">s</span><span style="left: calc(var(--scale-factor)*135.02px); top: calc(var(--scale-factor)*472.79px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif;" role="presentation" dir="ltr"> </span><span style="left: calc(var(--scale-factor)*137.42px); top: calc(var(--scale-factor)*472.79px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif; transform: scaleX(0.860525);" role="presentation" dir="ltr">and some variations). We may also charge you a fee</span><span style="left: calc(var(--scale-factor)*363.02px); top: calc(var(--scale-factor)*472.79px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif;" role="presentation" dir="ltr"> </span><span style="left: calc(var(--scale-factor)*365.71px); top: calc(var(--scale-factor)*472.79px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif; transform: scaleX(0.884687);" role="presentation" dir="ltr">for</span><span style="left: calc(var(--scale-factor)*377.82px); top: calc(var(--scale-factor)*472.79px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif;" role="presentation" dir="ltr"> </span><span style="left: calc(var(--scale-factor)*380.23px); top: calc(var(--scale-factor)*472.79px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif; transform: scaleX(0.857842);" role="presentation" dir="ltr">implementing any advice we provide</span><span style="left: calc(var(--scale-factor)*538.66px); top: calc(var(--scale-factor)*472.79px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif;" role="presentation" dir="ltr">.</span></span><span class="markedContent" id="page27R_mcid9"><br role="presentation"><span style="left: calc(var(--scale-factor)*53.88px); top: calc(var(--scale-factor)*490.91px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif; transform: scaleX(0.87575);" role="presentation" dir="ltr">3.2</span><span style="left: calc(var(--scale-factor)*67.73px); top: calc(var(--scale-factor)*490.91px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif;" role="presentation" dir="ltr"> </span><span style="left: calc(var(--scale-factor)*95.90px); top: calc(var(--scale-factor)*490.91px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif; transform: scaleX(0.884664);" role="presentation" dir="ltr">The commission</span><span style="left: calc(var(--scale-factor)*167.53px); top: calc(var(--scale-factor)*490.91px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif;" role="presentation" dir="ltr"> </span><span style="left: calc(var(--scale-factor)*171.26px); top: calc(var(--scale-factor)*490.91px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif; transform: scaleX(0.885518);" role="presentation" dir="ltr">we receive</span><span style="left: calc(var(--scale-factor)*218.92px); top: calc(var(--scale-factor)*490.91px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif;" role="presentation" dir="ltr"> </span><span style="left: calc(var(--scale-factor)*222.77px); top: calc(var(--scale-factor)*490.91px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif; transform: scaleX(0.898224);" role="presentation" dir="ltr">is a percentage of the premium</span><span style="left: calc(var(--scale-factor)*364.04px); top: calc(var(--scale-factor)*490.91px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif;" role="presentation" dir="ltr"> </span><span style="left: calc(var(--scale-factor)*367.99px); top: calc(var(--scale-factor)*490.91px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif; transform: scaleX(0.886694);" role="presentation" dir="ltr">payable by you</span><span style="left: calc(var(--scale-factor)*435.78px); top: calc(var(--scale-factor)*490.91px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif;" role="presentation" dir="ltr"> </span><span style="left: calc(var(--scale-factor)*439.51px); top: calc(var(--scale-factor)*490.91px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif; transform: scaleX(0.88166);" role="presentation" dir="ltr">(excluding government</span><br role="presentation"><span style="left: calc(var(--scale-factor)*95.90px); top: calc(var(--scale-factor)*509.03px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif; transform: scaleX(0.883497);" role="presentation" dir="ltr">charges, levies and taxes). Some insurers may pay us more than others</span><span style="left: calc(var(--scale-factor)*413.11px); top: calc(var(--scale-factor)*509.03px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif; transform: scaleX(0.888995);" role="presentation" dir="ltr">. The rate of commission can</span><br role="presentation"><span style="left: calc(var(--scale-factor)*95.90px); top: calc(var(--scale-factor)*527.15px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif; transform: scaleX(0.880847);" role="presentation" dir="ltr">vary according to the type of insurance and cover provided and the way the transaction is arranged.</span></span><span class="markedContent" id="page27R_mcid10"><br role="presentation"><span style="left: calc(var(--scale-factor)*53.88px); top: calc(var(--scale-factor)*545.27px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif; transform: scaleX(0.87575);" role="presentation" dir="ltr">3.3</span><span style="left: calc(var(--scale-factor)*67.73px); top: calc(var(--scale-factor)*545.27px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif;" role="presentation" dir="ltr"> </span><span style="left: calc(var(--scale-factor)*96.50px); top: calc(var(--scale-factor)*545.27px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif; transform: scaleX(0.872589);" role="presentation" dir="ltr">Where we arrange the placing and servicing of insurance overseas, our overseas representatives may</span><br role="presentation"><span style="left: calc(var(--scale-factor)*96.50px); top: calc(var(--scale-factor)*563.39px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif; transform: scaleX(0.876471);" role="presentation" dir="ltr">also receive remuneration f</span><span style="left: calc(var(--scale-factor)*217.01px); top: calc(var(--scale-factor)*563.39px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif; transform: scaleX(0.883025);" role="presentation" dir="ltr">rom</span><span style="left: calc(var(--scale-factor)*234.37px); top: calc(var(--scale-factor)*563.39px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif;" role="presentation" dir="ltr"> </span><span style="left: calc(var(--scale-factor)*237.53px); top: calc(var(--scale-factor)*563.39px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif; transform: scaleX(0.869774);" role="presentation" dir="ltr">the relevant</span><span style="left: calc(var(--scale-factor)*290.24px); top: calc(var(--scale-factor)*563.39px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif;" role="presentation" dir="ltr"> </span><span style="left: calc(var(--scale-factor)*293.45px); top: calc(var(--scale-factor)*563.39px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif; transform: scaleX(0.874768);" role="presentation" dir="ltr">insurer</span><span style="left: calc(var(--scale-factor)*323.81px); top: calc(var(--scale-factor)*563.39px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif;" role="presentation" dir="ltr">.</span></span><span class="markedContent" id="page27R_mcid11"><br role="presentation"><span style="left: calc(var(--scale-factor)*53.88px); top: calc(var(--scale-factor)*581.51px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif; transform: scaleX(0.87575);" role="presentation" dir="ltr">3.4</span><span style="left: calc(var(--scale-factor)*67.73px); top: calc(var(--scale-factor)*581.51px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif;" role="presentation" dir="ltr"> </span><span style="left: calc(var(--scale-factor)*96.50px); top: calc(var(--scale-factor)*581.51px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif; transform: scaleX(0.873583);" role="presentation" dir="ltr">If you wish us to</span><span style="left: calc(var(--scale-factor)*167.51px); top: calc(var(--scale-factor)*581.51px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif;" role="presentation" dir="ltr"> </span><span style="left: calc(var(--scale-factor)*170.06px); top: calc(var(--scale-factor)*581.51px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif; transform: scaleX(0.85752);" role="presentation" dir="ltr">provide services in addition to those</span><span style="left: calc(var(--scale-factor)*325.55px); top: calc(var(--scale-factor)*581.51px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif;" role="presentation" dir="ltr"> </span><span style="left: calc(var(--scale-factor)*328.13px); top: calc(var(--scale-factor)*581.51px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif; transform: scaleX(0.867683);" role="presentation" dir="ltr">already</span><span style="left: calc(var(--scale-factor)*360.39px); top: calc(var(--scale-factor)*581.51px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif;" role="presentation" dir="ltr"> </span><span style="left: calc(var(--scale-factor)*362.83px); top: calc(var(--scale-factor)*581.51px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif; transform: scaleX(0.872893);" role="presentation" dir="ltr">agreed</span><span style="left: calc(var(--scale-factor)*393.31px); top: calc(var(--scale-factor)*581.51px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif; transform: scaleX(0.859085);" role="presentation" dir="ltr">, we may charge you an additional</span><br role="presentation"><span style="left: calc(var(--scale-factor)*96.50px); top: calc(var(--scale-factor)*599.51px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif; transform: scaleX(0.880773);" role="presentation" dir="ltr">fee.</span><span style="left: calc(var(--scale-factor)*113.18px); top: calc(var(--scale-factor)*599.51px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif;" role="presentation" dir="ltr"> </span><span style="left: calc(var(--scale-factor)*119.41px); top: calc(var(--scale-factor)*599.51px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif; transform: scaleX(0.881001);" role="presentation" dir="ltr">Such additional fees will be agreed with you prior to us undertaking those services.</span></span><span class="markedContent" id="page27R_mcid12"><br role="presentation"><span style="left: calc(var(--scale-factor)*53.88px); top: calc(var(--scale-factor)*617.66px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif; transform: scaleX(0.87575);" role="presentation" dir="ltr">3.5</span><span style="left: calc(var(--scale-factor)*67.73px); top: calc(var(--scale-factor)*617.66px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif;" role="presentation" dir="ltr"> </span><span style="left: calc(var(--scale-factor)*95.90px); top: calc(var(--scale-factor)*617.66px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif; transform: scaleX(0.924164);" role="presentation" dir="ltr">We</span><span style="left: calc(var(--scale-factor)*110.13px); top: calc(var(--scale-factor)*617.66px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif;" role="presentation" dir="ltr"> </span><span style="left: calc(var(--scale-factor)*114.62px); top: calc(var(--scale-factor)*617.66px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif; transform: scaleX(0.858241);" role="presentation" dir="ltr">may</span><span style="left: calc(var(--scale-factor)*133.24px); top: calc(var(--scale-factor)*617.66px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif;" role="presentation" dir="ltr"> </span><span style="left: calc(var(--scale-factor)*137.66px); top: calc(var(--scale-factor)*617.66px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif; transform: scaleX(0.920135);" role="presentation" dir="ltr">pay a</span><span style="left: calc(var(--scale-factor)*163.03px); top: calc(var(--scale-factor)*617.66px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif;" role="presentation" dir="ltr"> </span><span style="left: calc(var(--scale-factor)*167.54px); top: calc(var(--scale-factor)*617.66px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif; transform: scaleX(0.876546);" role="presentation" dir="ltr">referral</span><span style="left: calc(var(--scale-factor)*199.55px); top: calc(var(--scale-factor)*617.66px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif;" role="presentation" dir="ltr"> </span><span style="left: calc(var(--scale-factor)*204.05px); top: calc(var(--scale-factor)*617.66px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif; transform: scaleX(0.955826);" role="presentation" dir="ltr">fee to a</span><span style="left: calc(var(--scale-factor)*240.65px); top: calc(var(--scale-factor)*617.66px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif; transform: scaleX(0.859021);" role="presentation" dir="ltr">ny</span><span style="left: calc(var(--scale-factor)*251.13px); top: calc(var(--scale-factor)*617.66px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif;" role="presentation" dir="ltr"> </span><span style="left: calc(var(--scale-factor)*255.53px); top: calc(var(--scale-factor)*617.66px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif; transform: scaleX(0.937362);" role="presentation" dir="ltr">party who has referred you to us</span><span style="left: calc(var(--scale-factor)*408.67px); top: calc(var(--scale-factor)*617.66px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif; transform: scaleX(0.954001);" role="presentation" dir="ltr">. This will be paid</span><span style="left: calc(var(--scale-factor)*491.25px); top: calc(var(--scale-factor)*617.66px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif;" role="presentation" dir="ltr"> </span><span style="left: calc(var(--scale-factor)*495.82px); top: calc(var(--scale-factor)*617.66px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif; transform: scaleX(0.942057);" role="presentation" dir="ltr">out of the</span><br role="presentation"><span style="left: calc(var(--scale-factor)*95.90px); top: calc(var(--scale-factor)*635.78px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif; transform: scaleX(0.868978);" role="presentation" dir="ltr">commission received</span><span style="left: calc(var(--scale-factor)*187.28px); top: calc(var(--scale-factor)*635.78px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif;" role="presentation" dir="ltr"> </span><span style="left: calc(var(--scale-factor)*190.82px); top: calc(var(--scale-factor)*635.78px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif; transform: scaleX(0.892211);" role="presentation" dir="ltr">by us</span><span style="left: calc(var(--scale-factor)*214.79px); top: calc(var(--scale-factor)*635.78px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif;" role="presentation" dir="ltr"> </span><span style="left: calc(var(--scale-factor)*218.45px); top: calc(var(--scale-factor)*635.78px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif; transform: scaleX(0.883805);" role="presentation" dir="ltr">from</span><span style="left: calc(var(--scale-factor)*238.93px); top: calc(var(--scale-factor)*635.78px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif;" role="presentation" dir="ltr"> </span><span style="left: calc(var(--scale-factor)*242.45px); top: calc(var(--scale-factor)*635.78px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif; transform: scaleX(0.863119);" role="presentation" dir="ltr">the</span><span style="left: calc(var(--scale-factor)*256.55px); top: calc(var(--scale-factor)*635.78px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif;" role="presentation" dir="ltr"> </span><span style="left: calc(var(--scale-factor)*260.09px); top: calc(var(--scale-factor)*635.78px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif; transform: scaleX(0.88594);" role="presentation" dir="ltr">insurer and</span><span style="left: calc(var(--scale-factor)*310.20px); top: calc(var(--scale-factor)*635.78px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif;" role="presentation" dir="ltr"> </span><span style="left: calc(var(--scale-factor)*313.73px); top: calc(var(--scale-factor)*635.78px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif; transform: scaleX(0.860479);" role="presentation" dir="ltr">any</span><span style="left: calc(var(--scale-factor)*329.48px); top: calc(var(--scale-factor)*635.78px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif;" role="presentation" dir="ltr"> </span><span style="left: calc(var(--scale-factor)*333.05px); top: calc(var(--scale-factor)*635.78px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif; transform: scaleX(0.903716);" role="presentation" dir="ltr">fee you pay us. We may also</span><span style="left: calc(var(--scale-factor)*462.48px); top: calc(var(--scale-factor)*635.78px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif;" role="presentation" dir="ltr"> </span><span style="left: calc(var(--scale-factor)*466.15px); top: calc(var(--scale-factor)*635.78px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif; transform: scaleX(0.883479);" role="presentation" dir="ltr">receive a referral</span><br role="presentation"><span style="left: calc(var(--scale-factor)*95.90px); top: calc(var(--scale-factor)*653.90px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif; transform: scaleX(0.886229);" role="presentation" dir="ltr">fee if we refer you to another party that performs</span><span style="left: calc(var(--scale-factor)*314.94px); top: calc(var(--scale-factor)*653.90px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif;" role="presentation" dir="ltr"> </span><span style="left: calc(var(--scale-factor)*318.29px); top: calc(var(--scale-factor)*653.90px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif; transform: scaleX(0.865281);" role="presentation" dir="ltr">additional</span><span style="left: calc(var(--scale-factor)*361.08px); top: calc(var(--scale-factor)*653.90px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif;" role="presentation" dir="ltr"> </span><span style="left: calc(var(--scale-factor)*364.27px); top: calc(var(--scale-factor)*653.90px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif; transform: scaleX(0.853888);" role="presentation" dir="ltr">services</span><span style="left: calc(var(--scale-factor)*399.16px); top: calc(var(--scale-factor)*653.90px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif;" role="presentation" dir="ltr"> </span><span style="left: calc(var(--scale-factor)*402.31px); top: calc(var(--scale-factor)*653.90px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif; transform: scaleX(0.89588);" role="presentation" dir="ltr">for you.</span></span><span class="markedContent" id="page27R_mcid13"><br role="presentation"><span style="left: calc(var(--scale-factor)*53.88px); top: calc(var(--scale-factor)*672.02px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif; transform: scaleX(0.87575);" role="presentation" dir="ltr">3.6</span><span style="left: calc(var(--scale-factor)*67.73px); top: calc(var(--scale-factor)*672.02px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif;" role="presentation" dir="ltr"> </span><span style="left: calc(var(--scale-factor)*95.90px); top: calc(var(--scale-factor)*672.02px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif; transform: scaleX(0.932603);" role="presentation" dir="ltr">If we</span><span style="left: calc(var(--scale-factor)*118.22px); top: calc(var(--scale-factor)*672.02px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif; transform: scaleX(0.8762);" role="presentation" dir="ltr">, on instruction,</span><span style="left: calc(var(--scale-factor)*186.70px); top: calc(var(--scale-factor)*672.02px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif;" role="presentation" dir="ltr"> </span><span style="left: calc(var(--scale-factor)*189.50px); top: calc(var(--scale-factor)*672.02px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif; transform: scaleX(0.87303);" role="presentation" dir="ltr">arrange premium funding for you, we may earn a commission from the premium</span><br role="presentation"><span style="left: calc(var(--scale-factor)*95.90px); top: calc(var(--scale-factor)*690.14px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif; transform: scaleX(0.879748);" role="presentation" dir="ltr">funder. This is usually calculated as a percentage of the</span><span style="left: calc(var(--scale-factor)*340.79px); top: calc(var(--scale-factor)*690.14px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif;" role="presentation" dir="ltr"> </span><span style="left: calc(var(--scale-factor)*344.11px); top: calc(var(--scale-factor)*690.14px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif; transform: scaleX(0.876042);" role="presentation" dir="ltr">amount funded</span><span style="left: calc(var(--scale-factor)*411.19px); top: calc(var(--scale-factor)*690.14px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif;" role="presentation" dir="ltr">.</span><span style="left: calc(var(--scale-factor)*414.21px); top: calc(var(--scale-factor)*690.14px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif;" role="presentation" dir="ltr"> </span><span style="left: calc(var(--scale-factor)*417.19px); top: calc(var(--scale-factor)*690.14px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif; transform: scaleX(0.897583);" role="presentation" dir="ltr">The</span><span style="left: calc(var(--scale-factor)*433.81px); top: calc(var(--scale-factor)*690.14px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif;" role="presentation" dir="ltr"> </span><span style="left: calc(var(--scale-factor)*436.87px); top: calc(var(--scale-factor)*690.14px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif; transform: scaleX(0.87617);" role="presentation" dir="ltr">details of your premium</span><br role="presentation"><span style="left: calc(var(--scale-factor)*95.90px); top: calc(var(--scale-factor)*708.26px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif; transform: scaleX(0.883728);" role="presentation" dir="ltr">funding arrangement will be set out in your separate agreement with the premium funder.</span></span><span class="markedContent" id="page27R_mcid14"><br role="presentation"><span style="left: calc(var(--scale-factor)*53.88px); top: calc(var(--scale-factor)*726.38px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif; transform: scaleX(0.87575);" role="presentation" dir="ltr">3.7</span><span style="left: calc(var(--scale-factor)*67.73px); top: calc(var(--scale-factor)*726.38px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif;" role="presentation" dir="ltr"> </span><span style="left: calc(var(--scale-factor)*96.50px); top: calc(var(--scale-factor)*726.38px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif; transform: scaleX(0.895521);" role="presentation" dir="ltr">We reserve the right to set off any outstanding sums that you owe us in connection to any</span><span style="left: calc(var(--scale-factor)*500.58px); top: calc(var(--scale-factor)*726.38px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif;" role="presentation" dir="ltr"> </span><span style="left: calc(var(--scale-factor)*504.58px); top: calc(var(--scale-factor)*726.38px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif; transform: scaleX(0.856676);" role="presentation" dir="ltr">policy</span><span style="left: calc(var(--scale-factor)*529.69px); top: calc(var(--scale-factor)*726.38px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif;" role="presentation" dir="ltr"> </span><span style="left: calc(var(--scale-factor)*533.14px); top: calc(var(--scale-factor)*726.38px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif; transform: scaleX(0.893288);" role="presentation" dir="ltr">of</span><br role="presentation"><span style="left: calc(var(--scale-factor)*96.50px); top: calc(var(--scale-factor)*744.50px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif; transform: scaleX(0.883129);" role="presentation" dir="ltr">insurance, from any money we receive on your</span><span style="left: calc(var(--scale-factor)*304.03px); top: calc(var(--scale-factor)*744.50px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif;" role="presentation" dir="ltr"> </span><span style="left: calc(var(--scale-factor)*307.37px); top: calc(var(--scale-factor)*744.50px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif; transform: scaleX(0.880215);" role="presentation" dir="ltr">behalf in relation to that insurance.</span></span><div class="endOfContent"></div></div><div class="annotationLayer" hidden=""></div><div class="annotationEditorLayer" tabindex="0" style="pointer-events: none; width: calc(var(--scale-factor) * 595.32px); height: calc(var(--scale-factor) * 842.04px);" data-main-rotation="0" hidden=""></div></div><div class="page" data-page-number="3" role="region" style="width: calc(var(--scale-factor) * 595.32px); height: calc(var(--scale-factor) * 842.04px);" aria-label="Page 3"></div><div class="page" data-page-number="4" role="region" style="width: calc(var(--scale-factor) * 595.32px); height: calc(var(--scale-factor) * 842.04px);" aria-label="Page 4"></div><div class="page" data-page-number="5" role="region" style="width: calc(var(--scale-factor) * 595.32px); 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