Note. Counsel-drafted. Skeleton structure below; full clauses by counsel.
1. Definitions
Defined terms (Client, Engagement, Services, Cover, Carrier, Authorisation, etc.) in small caps on first use.
2. Authorisation status
znobia's current authorisation status, with reference to /legal/regulatory-disclosure. Pre-authorisation, no regulated mediation activity is undertaken.
3. Engagement scope
Description of professional services; out-of-scope items; explicit statement that znobia acts as intermediary and does not underwrite risk.
4. Client obligations
Information accuracy, material change notification, prompt response to underwriting questions, fair presentation of risk per Insurance Act 2015.
5. Fees and remuneration
Disclosure of basis (brokerage, fee, hybrid). Conflict-of-interest disclosure where applicable.
6. Communications
Permitted channels; record-keeping; encryption posture.
7. Limitation of liability
[Drafted by counsel. Will reflect institutional-client expectations and statutory constraints.]
8. Confidentiality
Mutual confidentiality undertaking. Carve-outs for regulator requests and counsel.
9. Data protection
Reference to Privacy Policy.
10. Sanctions and AML
Reference to /legal/sanctions-aml.
11. Complaints
Reference to /legal/complaints.
12. Termination
Termination triggers; notice periods; effect on in-flight placements.
13. Governing law and jurisdiction
Laws of England and Wales. Non-exclusive jurisdiction of the English courts.
14. Changes to these terms
Material changes published with changelog entry; advance notice to engaged clients.