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Terms of Use

Governing law
By accessing any part of this site, you will be deemed to have accepted these terms of use in full. If there is a dispute, English law will apply.

Advice
Content on this website is not intended to be financial advice in any way. If you require information on any products please call our dedicated customer support team on 0800 334 5511 (9am to 7pm). Alternatively if you require advice about the suitability of any product or course of action you should contact your financial adviser.

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Content on this website is not intended to be financial advice in any way. If you require information, or advice about the suitability of the Healthguard Plan please call our dedicated customer support team on 0800 334 5511 (9am to 7pm).

Content
Healthguard Direct reserves the right at any time, and without notice, to remove, amend, or vary the content which appears on any page on this site. By continuing to use this site following any such change you will be deemed to have accepted any changes.

Data protection
Healthguard Direct complies with its obligations under the Data Protection Act 1998. The Data Controller in relation to any personal data you supply is Healthguard Direct Ltd and can be contacted at Blades Enterprise Centre, Park Suite, John Street, Sheffeld S2 4SU.

Information you provide may be held on computer, paper or any other appropriate form for as long as your application is being considered or policy is in force, and for an appropriate time after, in line with data protection law and financial services regulations.

If we hold information about you, we will only use this for the purposes you have agreed to. You may receive communications on new products or services from our group companies. If you have not done so on your application, you may contact us at any time to stop receiving such communications. Your information may be passed to other companies for reinsurance arrangements and to government and law enforcement agencies for the purposes of preventing money laundering and fraud.

You have the right to request a copy of the personal data we hold on you. We may charge a small fee for providing this information.

Privacy statement
We are committed to protecting your privacy and keeping your personal information secure. Your information will remain confidential and we will not disclose your personal information unless at your request or if it is lawful to do so. We may monitor our telephone calls to help improve our service and protect our customers.

Disclaimer
Although every effort is made to ensure that the information in this site is accurate, current and complies with the relevant legislation and regulations, we accept no liability for any unforeseen loss or damage due to any inability to use the site, inaccuracies contained (other than those we would reasonably be expected to identify and correct as quickly as practicable), changes to content, or unavailability of the website.
No warranty is given that the site is free of viruses or can be used with every computer, software or browser device.

While we try to ensure that this site is normally available 24 hours a day, we will not be liable if, for any reason, the site is unavailable for any period of time. Access to this site may be suspended temporarily or permanently and without notice.

Complaints procedure
We are committed to ensuring a high level of service and that you are treated in a well informed manner. If you have a complaint or feel dissatisfied you can contact us, by:

Telephone: 0800 334 5511
Facsimile: 0114 292 2361
Email: mail@healthguard.org.uk
Letter: Healthguard Direct Ltd, Blades Enterprise Centre, Park Suite, John Street, Sheffield S2 4SU

We will ensure that your complaint is dealt with fairly and thoroughly investigated by a trained complaint handler. Where your complaint involves National Friendly we will co-ordinate our investigation and response to you.

Your complaint will be investigated as soon as possible.  We aim to provide a final response within eight weeks of receipt of your complaint.  If we are unable to provide a final response within eight weeks, we will write to you providing details of our progress and when you will receive a final response.

We will advise you of our decision based on our findings in a full written final response to your complaint.  This written response will also contain details of our investigation.

If you are not satisfied with our final response, or if we have been unable to provide you with a final response within eight weeks of receiving your complaint, your complaint may be eligible for investigation by the Financial Ombudsman Service.  The details of the Ombudsman are as follows:

Financial Ombudsman Service (FSO)
South Quay Plaza
183 Marsh Wall
London
E14 9SR

Telephone: 0845 080 1800
Email: complaint.info@financial-ombudsman.org.uk
Website: www.financial-ombudsman.org.uk

Copyright and trade marks
Copyright in the pages of this site and screen displaying the pages and information, text, graphics and material contained within the site and their arrangement is owned by Healthguard Direct or National Friendly, unless otherwise stated.

All trade marks, service marks, company names and logos are the property of their respective holders and no permission is given by Healthguard Direct in respect of their use. Use may constitute an infringement of the holders’ rights.

You may store, manipulate, analyse, reformat, print and display the content of this site solely for your own personal use. You are not permitted to publish, re-transmit, re-distribute or otherwise reproduce any of the content that appears on any page of this site, and are prohibited from using content for a commercial or illegal purpose.

Links to other websites
The links to other websites are to allow you access to more information on related topics. Healthguard Direct does not own or control such sites and accepts no responsibility for information contained.

Downloads
Our site makes use of different multimedia items, which require you to have appropriate software. Please note that if you have to download any plug ins or software this is done at your own risk and Healthguard Direct accepts no liability for any problems with your computer that may arise as a result. If you are in any doubt about the suitability of software to be downloaded for your computer, it is recommended that you obtain specialist advice before downloading.

Use of cookies
Cookies are small text files that are placed on your computer when you browse a website. These cookies are used to identify general visitor behaviour and will not be used to establish personal information.
Most browsers are configured to accept cookies however you can disable or delete these by configuring your browser. Please note that if you block all cookies you may experience difficulties with our online facilities.

Gender differentials
National Friendly charges different premiums for men and women based on differences in the claims experience. You can find out more about the basis for gender differentials from the Actuarial Profession website.

Registered details

Healthguard Direct Limited is an appointed representative of National Friendly. National Friendly is a trading name of National Deposit Friendly Society Limited which is authorised and regulated by the Financial Services Authority and is covered by the Financial Services Compensation Scheme

Registered in England And Wales no. 06971381, registered office Healthguard Direct Limited, 1&2 The Barn, Oldwick, West Stoke Road, Lavant, Chichester, West Sussex, United Kingdom, PO18 9AA.