Terms of Business

Definitions

In this Terms of Business Agreement “we”, “us” and “our” means Wapp Limited.

About WAPP

Wapp is a trading name of Wapp Limited. Wapp travel insurance is arranged by Wapp Limited which is registered in Gibraltar company number ??????. Registered office: First Floor,Grand Ocean Plaza, Ocean Village, Gibraltar. Wapp Limited is licensed and regulated by the Gibraltar Financial Services Commission number FSC????? and trades into the UK on a freedom of services basis, FCA FRN ??????. Wapp travel insurance is administered by Howserv Limited which is registered in England and Wales number 03882026. Registered office: Britannia House, 3-5 Rushmills Business Park, Bedford Road, Northampton NN4 7YB. Howserv Limited is authorised and regulated by the Financial Conduct Authority FRN 599282.

Ownership

Wapp Limited is a wholly owned subsidiary of Staysure Group Limited.

Your agreement to these Terms of Business

In seeking insurance through us, you agree to the Terms of Business Agreement. This does not affect your normal statutory rights.

About our Service

We’re committed to treating you fairly in all our dealings with you now and in the future. You’ll not receive advice or a recommendation from us. We may ask some questions to narrow down the selection of products that we will provide details on. You’ll then need to make your own choice about how to proceed.

About the Products we Offer

We offer travel insurance from Great Lakes Insurance SE. Part of the Munich Re Group. Great Lakes Insurance SE is a German insurance company with its headquarters at Königinstrasse 107, 80802 Munich. UK Branch office: Plantation Place, 30 Fenchurch Street, London, EC3M 3AJ.
We also offer a number of additional cover options, including:

• Baggage Cover;
• Excess Waiver;
• Gadget Cover;

Important Information

It is your responsibility to ensure that you provide us with complete and accurate information when arranging your insurance, during the life of your policy and at the time of renewal. Please take care to answer all of the questions honestly and to the best of your knowledge. If you don’t, your policy may be cancelled, or treated as if it never existed, or your claim rejected or not paid in full.
When a policy and related documents (e.g. a policy schedule and a Demands and Needs statement) are issued, you ‘re strongly advised to read them carefully as they form the basis of the cover you have purchased. If you’re in doubt over any of the policy terms or conditions, please contact us and we will be happy to explain and clarify any points for you.
To contact a member of the Customer Service team for clarity or to make changes, please call 0333 006 8020.

Protecting Your Data

We collect and maintain personal information to allow our insurers to underwrite and administer the policies that we issue. All personal information is treated with the utmost confidentiality and with appropriate levels of security. We won’t keep your information longer than necessary. Your information will be protected from accidental or unauthorised disclosure. We will only reveal your information if it is allowed by law, authorised by you, to prevent fraud or in order that we can liaise with our agents in the administration of this policy. Insurers share information with each other to aid the prevention of fraudulent claims. In the event of a claim, information is placed on industry registers for analysis. Under the Data Protection Act, you have the right of access to your personal records held on our files and we will provide this information should you request it via a subject access request form.
For further information about your rights and how we process/handle your data, please read the Privacy Policy at www.wapp.com/privacy-and-cookie-policy
To provide better customer service, your calls may be recorded and monitored for quality and compliance purposes.
You should share your policy schedule and policy wording with anyone insured under the policy.  We will only deal with the organiser of the policy with regard to travel insurance.

Quotation Validity

Wapp is unable to guarantee any quote provided beyond the end of the day, that it is produced, unless taken up immediately. We reserve the right to pass on any increases to premiums at any time.

Our Administration Charges

We’re normally remunerated by commission, which is paid by the insurer. It is deducted from the premium but we also reserve the right to supplement or replace this with a fee for our services when arranging, amending, renewing and cancelling any insurance policy.

Method of Payment

You can pay for your insurance by credit or debit card. Card details are taken but not stored by WAPP.
When you register we will validate your payment card. If you sign up to our subscription service, we will do this when you make your first payment. If you don’t sign up to our subscription service, we will send a request of authorisation to your card issuer to validate your chosen payment card.   With the latter, no monies will be taken.
Your subscription costs will be taken on the first day of every month, using the default payment card you have set up.
Your trip costs will be taken 1-2 days after you return to your country of residence or you reach the trip length Limit stated in your policy wording.
If we’re not able to take payment on the first attempt, we will try again after 2 calendar days. If we’re still unable to take payment at the second attempt, we’ll email you, asking you to arrange payment within 7 calendar days. If you still haven’t paid or contacted us to arrange payment of the amount owing by the date given in the email, your policy will be cancelled, and we will start contact about recovering outstanding costs / charges / debts, where you’ll have to pay all reasonable costs incurred.
If your default card is cancelled or the card details change, you agree to notify Wapp Limited of the updated card information. You can do this in the app, using the web app or by calling our customer service team on 0330 006 8020. If you fail to give us updated card information, you authorise Wapp Limited to obtain the updated details from your card issuer, if available.

Client Money

We act as an agent for the insurer for the collection of premiums and payment of premiums. Your money is held in an Insurer Trust Account, which is managed in accordance with the FCA statutory trust rules. This means that premiums are treated as being received by the insurer when received in our bank account and any premium refund is treated as received by you when it is actually paid over to you.

Cancelling your policy

We hope you love the service so much that you never want to cancel, but if you do, you can cancel your policy in the account section of the app or web app. In order to cancel your policy, you must be in the UK.
If you’re not able to do this, you can email our customer service team at [email protected].

Cancelling your subscription

You can cancel your subscription whenever you’re not on a trip. If you do cancel it, you’ll receive the benefits of the subscription up to the end of the calendar month in which you cancelled it.

Refunds

You have 14 calendar days from the start of your policy to cancel your subscription for a full refund, – as long as you haven’t started a trip or made a claim during this period.
If you cancel outside your cooling off period, then you won’t be eligible for a refund.

Changes to Your Underwriter

We reserve the right to engage a new insurance provider for part or all of your policy in the future. Should this happen we will write to inform you of the change, providing details of your new provider as well as any amendments to your policy. Through the purchase or renewal of your policy you consent to the potential transfer of your cover and any personal data held about you being shared with an alternative insurance provider.
If at any point you wish to withdraw your consent to this, please call Wapp Customer Service on
0333 006 8020 (Monday to Saturday 8:30am-6pm).

Terms & Conditions for use of the Mobile App, Website and Web app

Copyright
The mobile app, web app, website and their contents are the copyright of Wapp Limited, which is licensed and regulated by the Gibraltar Financial Services Commission No. FSC????. All rights reserved.
Non-commercial use only
These terms and conditions of use apply to your use of the mobile app, website and web app. They provide a legal document which sets out your rights and obligations, and those of Wapp Limited in relation to the services offered through the mobile app, web app and website. References to “the mobile app”, “the web app”, “the website”, “our”, “we” and “us” refer to Wapp Limited. By creating an account on the mobile app and/or web app or visiting the website, you’re deemed to have accepted these terms and conditions.
By downloading the mobile app, you’re also agreeing to the terms & conditions set out by Apple or Google.
The information displayed on the mobile app, web app and the website belongs to Wapp Limited and is provided for customer use only. It shall not be used by any person or entity resident within a jurisdiction where such distribution would be contrary to that jurisdiction’s applicable regulations.
The mobile app, web app and the website are intended for the purpose of genuine personal insurance quotes only. They are not to be used for “mystery shopping” to obtain quotations or related information.
The website shall not be used for marketing purposes or to transmit or send unsolicited commercial communications.
Systematic or automated data collection activities (including without limitation scraping, data mining, data extraction and data harvesting) on or in relation to our website are not permitted without our express written consent.
We’re not liable for any errors or omissions to be found on the website.
You may only use the mobile app, web app and website for your personal use (which will at all times be reasonable and not abusive) or for purposes legitimately connected with purchasing our products and services.
You’re not allowed to access, use or copy any material or information on the mobile app, web app or website for any commercial purpose or for any purposes which are unlawful. In particular, you’re not allowed to copy (whether by printing off, storing on disk or in any other way), distribute (including distributing copies), alter or tamper with in any way or use any material contained in the mobile app, web app or website. You may print off any individual page on the website for your own personal use.
Ownership and use of information
This website displays brands, trademarks and registered trademarks which are registered in the UK. Other product and company names mentioned on this website are proprietary to their respective owners. You’re not licensed to use any of the marks on our website unless written permission is granted, and you may not meta tag any of these marks.
Unless otherwise stated, we own (or are licensed to use) the intellectual property rights in the content and information in the app and website, including (without limitation) all text, sound, photographs, images, logos, maps, podcasts, blogs, customer reviews, graphics, design, underlying source and software. Subject to the “Non-Commercial Use Only” section above, material and information, either whole or in part, from this website may not be reproduced, copied, republished, downloaded, posted, broadcast or transmitted in any form or medium without our and/or the appropriate owner’s prior written permission.
Website and Web App operation
The website and web app is operated by Wapp Limited, registered in Gibraltar (incorporation number ??????) as an independent insurance intermediary. Your data, at the point of obtaining a quote, will be passed to Howserv Limited, and will become the property of Howserv Limited at the point your quote is complete.
Wapp privacy policy can be found at wapp.com/privacy-and-cookie-policy
 Mobile App operation
The mobile app is operated by Wapp Limited, registered in Gibraltar (incorporation number ?????) as an independent insurance intermediary. Your data, at the point of obtaining a quote, will be passed to Howserv Limited, and will become the property of Howserv Limited at the point your quote is complete.
You must provide certain devices, software and data connections in order to use the mobile app. In order to use the mobile app, you consent to automatically or manually download and install any updates we make to the mobile app.
You also consent to the sending of notifications to you from the app and the mobile app’s use of location services, in order for us to provide our services to you.
You’re responsible for all mobile network data plans, internet fees and other fees and taxes associated with your usage of the mobile app.
 Disclaimer
To the maximum extent permitted by law, Wapp Limited disclaims all warranties, whether express or implied by statute, custom or usage relating to the information contained in this website and we shall not be liable for any losses or damages whatsoever, whether in contract to (including negligence), or otherwise arising from this website, or from any interruption or delay in accessing this website.
Agreement
By accessing, using, browsing or booking on the mobile app, web app or website, you agree that you have read, understood and agree to be bound by these Terms and Conditions and you agree to comply with all applicable laws, rules and regulations. The website is for the purpose of communicating prices and availability; it should therefore not be regarded as an offer.
All contracts concluded between Howserv Limited or Wapp Limited and you (the customer) are subject to our standard terms and conditions. Acceptance of an insurance policy is subject to medical screening and terms as described in policy documents. A contract is only concluded when we accept your offer by sending you confirmation of our acceptance. Our acceptance is effective when sent by us. The contractual document is contained in the acceptance from us of your offer, and our terms and conditions which are incorporated into the acceptance and excludes any other representations. This does not affect your statutory rights as a consumer.
The mobile app, web app and website are only available to people who, and parties that may, lawfully enter into and form contracts under UK law.
Access to the mobile app, web app and website is free; however, you access and use them entirely at your own risk. Except as stated in these Terms of Use, we make no representations or warranties in respect of the app and website, their contents or performance. All conditions and warranties that might otherwise be implied by statute or at common law are excluded to the fullest extent permitted by law.
We don’t promise that the mobile app, web app and website will always be available or that its operation will be error free; nor do we accept responsibility for any adverse effects of accessing it, or downloading material from it. Wapp Limited does not accept any liability for any losses or claims arising from any inability to access the website and app, any interruption in the conduct of any action or any failure to complete a transaction. This includes adverse effects resulting from the downloading of viruses, the loss or corruption to material that is downloaded, website-browser incompatibility problems or damage to programmes and data already on your system.
Price information
The prices shown on the mobile app, web app and website are valid at the time of input; however, we reserve the right to change our prices or other details at any time. Prices may fluctuate. We reserve the right to withdraw prices without notice.

Claims

We don’t process claims for your insurer. If you want to claim on your policy, you should contact the Insurer’s claims line (details in your policy booklet). You should not take any action, other than seeking emergency assistance, until you have spoken to your insurer. Please note, claims won’t be accepted if the account is in arrears.

Complaints

At Wapp, we will do everything possible to ensure that you receive a high standard of service. However, if you’re not satisfied with the service received and you wish to register a complaint, please contact us and we will try to resolve it as quickly as possible.
There are a number of ways you can register your complaint:

We’ll always try to resolve the issue within 3 days, but if not, we’ll undertake a full investigation and keep you informed of our final outcome. You’ll receive the final response within 40 working days of receipt of your complaint. If you’re still not satisfied with the way in which we’ve handled the complaint, then you have six months to refer the matter to the Financial Ombudsman Service:

Claims Complaints

Should your complaint relate to a claim, then please see your policy wording for the claims complaints contact details.

Governing Law and Jurisdiction

This Terms of Business Agreement, and all quotations and policies that we obtain for you’re subject to the law of England and Wales and subject to the exclusive jurisdiction of the Courts of England and Wales unless your policy document states otherwise.

Updating this document

These Terms of Business may be revised from time to time. If they are revised, we’ll post the revised version on the mobile app, web app and website. The revisions will be effective immediately.
Please re-read this document from time to time, even if you have previously used the mobile app, web app or website. By continuing to use the mobile app, web app or website after we have changed the Terms of Business, you’ll be deemed to have accepted the changes. If, for any reason, you don’t agree to abide by our Terms of Use, please don’t use the mobile app, web app or website.