Terms & Conditions
1. Introduction
Welcome to A&H Intermediaries Ltd (“we”, “us”, “our”), trading through https://ah-intermediaries.com (“Site”). By accessing or using this Site, including any content, services, or products offered, you agree to these Terms & Conditions (“Terms”). If you don’t agree, please do not use our Site.
2. About Us
A&H Intermediaries Ltd is an independent insurance intermediary, acting as both a broker and Managing General Agent (MGA/MGU), specializing in accident and health insurance solutions—including reinsurance, personal accident, IPMI, kidnap & ransom, and other niche insurance products—for individuals and organizations globally.
3. Use of Site
You may:
Browse content and use our contact forms to request quotes or information.
Use the Site only for lawful purposes and in accordance with these Terms.
You must not:
Use the Site in any way that breaches applicable law.
Misuse or disrupt the Site or its services.
Impersonate any entity or provide false information.
4. Intellectual Property
All text, images, logos, trademarks, and other materials on the Site are owned or licensed by A&H Intermediaries Ltd and are protected by UK and international intellectual property laws. You may view and download content solely for your personal, non-commercial use. You agree not to copy, modify, distribute, or create derivative works without our express permission.
5. Disclaimers
The Site is provided “as is” and “as available.” We do not guarantee it will be uninterrupted, secure, or error-free.
Information on the Site is for general guidance only and does not constitute professional advice.
We use reasonable efforts to ensure accuracy, but you acknowledge that any reliance on the content is at your own risk.
6. Insurance Products & Services
We introduce clients to insurers and reinsurers; A&H does not underwrite policies itself (unless acting in an MGA/MGU capacity), but facilitates transactions and risk transfer.
Any specific insurance products—like accident, health, life, kidnap & ransom, IPMI, emergency medical evacuation, captive, and reinsurance—will be governed by separate policy documents and agreements.
7. User Accounts & Data
Some services may require user registration or providing personal data.
Our use of your data is governed by our separate Privacy Policy, which you should review carefully.
You are responsible for keeping any login credentials confidential.
8. Third‑Party Links
The Site may link to third-party websites. We are not responsible for their content, practices, or availability. Linking does not imply endorsement.
9. Limitation of Liability
To the maximum extent permitted by law, A&H Intermediaries Ltd excludes all liability for:
Any loss or damage arising from the use or inability to use the Site,
Errors in content or reliance on it,
Unauthorized access to or alteration of your data.
10. Indemnity
You agree to indemnify and hold us and our affiliates harmless from any claims, liabilities, damages, losses, or expenses arising from your breach of these Terms or misuse of the Site.
11. Amendments
We may update these Terms at any time, without notice. Your continued use of the Site after changes indicates acceptance. You should regularly review this page.
12. Governing Law & Dispute Resolution
These Terms are governed by the laws of England & Wales. Any dispute will be subject to the exclusive jurisdiction of the courts in England.
13. Contact Information
For questions, concerns, or requests regarding these Terms, contact us at:
A&H Intermediaries Ltd
Email: info@ah-intermediaries.com
