Terms and Conditions

By using this website you agree to the following Conditions. Please read them carefully.
In these Conditions, “our”, “we” or “us” means British Islamic Insurance Holdings Limited, Principle Insurance Company Limited and Principle Marketing Services Limited.

About us
Principle Insurance Holdings is the trading name of British Islamic Insurance Holdings Limited.
Salaam Halal insurance is the trading name of Principle Marketing Services Limited. Takaful cover arranged by Principle Marketing Services Limited is underwritten by Principle Insurance Company Limited, and the contracts have been approved by our Shariah Supervisory Committee based on the Islamic principle of Takaful.

The following companies are each incorporated in England and Wales with registered offices at 8 Duncannon Street, London WC2N 4JF:
British Islamic Insurance Holdings Limited (registered number 5723386)
Principle Marketing Services Limited (registered number 6203397)
Principle Insurance Company Limited (registered number 6203350)
Principle Insurance Company Limited and Principle Marketing Services Limited are authorised and regulated by the Financial Services Authority. Each of these companies is on the FSA register. The FSA registration number of Principle Insurance Company Limited is 467853 and the FSA registration number of Principle Marketing Services Limited is 480153. You can check details of these two companies on the Financial Services Authority website at www.fsa.gov.uk/register.

Principle Marketing Services Limited is licensed under the Consumer Credit Act, licence number tbc.
Under the Financial Services and Markets Act 2000, if Principle Insurance Company Limited is unable to meet all our liabilities to Takaful Participants, compensation may be available. Those eligible can claim 100% of the first £2000 and 90% of the remainder of their claim, without any upper limit. You can find more information by visiting the Financial Services Compensation Scheme website at www.fscs.org.uk or by calling them on 020 7892 7300.

Your Takaful Cover
Principle Marketing Services Limited arranges the sale of Takaful Contracts on behalf of Principle Insurance Company Limited.
This website, the products and the services offered on it comply with the relevant UK laws and regulations. Our products and services are only available to people who are resident in England, Scotland and Wales. We will not provide cover for residents of Northern Ireland, the Isle of Man and the Channel Islands. Unless we agree otherwise, your Takaful contract with Principle Insurance Company Limited will be subject to the laws of England and Wales.

This website and the information on it do not constitute financial, professional or investment advice. You should seek your own professional advice if you are unsure about any of the products or services mentioned on this website.

You should bear in mind that the information and descriptions on this website are not necessarily complete descriptions of all of the terms, conditions and exclusions or the cover provided. This information will be provided in the schedule of cover, Takaful Contract and/or other documents which Principle Marketing Services Limited will issue to you on behalf of Principle Insurance Company Limited.

This website does not constitute an offer by us to sell products and services. If you ask to buy a product or service, that is an offer by you which we may accept or reject. If you ask to buy a product or service through this website, and it is available to you and we accept your offer, you will receive confirmation of your purchase.

Use of this website
Any personal information which you provide to us through this website will be handled in accordance with our Privacy Policy. You can view our Privacy Policy by clicking here.

We reserve the right to deny access to this website to anyone who tries to use it for illegal purposes, in any way which is or may be harmful or offensive to us, our customers or other users of the website, or in any other way which we reasonably consider to be undesirable.

Legal exclusions and restrictions
While we try to ensure that this website is available 24 hours a day, we cannot guarantee that you will have uninterrupted or error-free access to the website at all times. We will not be liable if for any reason this website is unavailable.

We reserve the right to change the content of this website, including these Conditions, at any time and without notice to you. Any changes to these Conditions will be posted on this website. If you continue to use this website after any such change is made, you will be taken to have agreed to the new Conditions.

Additional terms and conditions may appear elsewhere on this website which relate to the use of particular products, services or features. If these Conditions and the terms and conditions relating to those particular products, services or features conflict in any way, the terms and conditions relating to those particular products, services or features will prevail.

We try to make sure that the information on this website is accurate and up-to-date. However, we give no representations or warranties that the information on this website, in whatever form, is accurate, complete, reliable or suitable. We will not be liable for any loss or damage suffered by a reader of this website or anyone else party arising directly or indirectly from the use of or inability to use this website and/or out of factual errors, inaccuracies or omissions contained on this website.

This exclusion of liability includes, but is not limited to, loss or damage due to viruses that may infect your computer equipment, software, data or other property on account of your access to or use of this website or your downloading of any material from this website or any websites linked to this website.

Nothing contained in these Conditions:
Affects your statutory rights as a consumer.
Excludes or restricts liability for personal injury or death resulting from our negligence or the negligence of any of our employees or agents.
Excludes or limits our obligations under the Financial Services and Markets Act 2000 or the principles and rules of the Financial Services Authority, or under any other relevant laws to the extent that it would be unlawful for us to do so.

Complaints
We aim to provide you with a first-class service. But if you have a complaint then please contact us and we will consider your complaint promptly and carefully.

Any complaints should be addressed to:

Customer Services
Principle Insurance Holdings
PO Box 60349
London
WC2N 4WP

If we cannot resolve your complaint, you may be able to refer it to the Financial Ombudsman Service. You can find out more from their website, at www.financial-ombudsman.org.uk.

Intellectual property rights
This website provides general information about us to the public and to our current and prospective customers. It is for non-commercial, personal use unless previously agreed in writing with us. Any attempt to access this website to obtain information by automated inquiry devices or programs is prohibited unless previously agreed in writing with us.

This website and its content are protected by international copyright, trade mark and other laws. All such rights are reserved.

“Salaam” and the associated device trademarks and copyright in the pages forming this website belongs to us or our licensors.

Certain content may be owned by third parties and used on this website with permission. By allowing access to this website, we do not convey to anyone any ownership rights in this website or in any content appearing on or made available through this website. You are only granted a limited licence to reproduce the content on your computer for the purpose of accessing this website and using the features and services accessible on it. You are also granted a licence to print information appearing on your computer screen in the course of using the features and services of this website only. The licences granted in these Conditions are personal to you and you cannot transfer them to anyone else.

No other permission is granted in any way to download, modify, reproduce, use, copy or distribute any of the content.

Other websites
There may be links on this website that allow you to visit websites not controlled by us and which take you away from this website. These links are provided solely for your convenience and the inclusion of a link does not mean we endorse or approve of the content of any website to which the link leads. We accept no responsibility or liability for the content of other websites.

You may not use any part of this website on any other website, or link any other website to this website, without our prior written permission.

Governing law, jurisdiction and severability
These Conditions and your use of this website and downloads from it are governed by and will be construed in accordance with the laws of England and Wales. The English courts will have exclusive jurisdiction over any dispute arising in connection with these Conditions or out of your use of this website.
Any invalidity of any of the provisions of these Conditions shall not affect the effectiveness of the remaining provisions.

General
Any formal legal notices should be sent to us at: The Company Secretary, British Islamic Insurance Limited, 8 Duncannon Street, London WC2N 4JF. If we fail to enforce any right, this does mean that we have waived that right.

You may not assign or transfer your rights under these Conditions. We may assign or transfer our rights or our obligations under these Conditions provided we give notice to you about the assignment or transfer and provided it does not increase any liability you may have.
Nothing in these Conditions is intended to, nor shall it, confer any benefit on anyone else, whether under the Contracts (Rights of Third Parties) Act 1999 or otherwise.