Terms & Conditions

1. ABOUT US

This website is operated by Mulberry Insurance Brokers PCC Limited, a company registered in Malta under company registration number C 73395, with its registered office at A3 Towers, Tower A3, Level 13, Triq il-Kanonku Karm M. Bologna, Paola PLA 1560, Malta. Our VAT registration number is MT2854-8736, our telephone number is 2099 7391 and our email address is info@mulberrybrokers.com.

Mulberry is enrolled in the Brokers List under the Insurance Distribution Act (Cap. 487 of the Laws of Malta) to carry out insurance distribution activities and is regulated by the Malta Financial Services Authority, Triq l-Imdina, Zone 1, Central Business District, Birkirkara CBD 1010, Malta.

By using this website you accept these Terms and Conditions. They should be read together with our Privacy Policy and our Data Protection Notice. Where we provide services to you as a client, our relationship is governed by our Client Terms of Business Agreement and by the terms of the relevant insurance policy, which prevail over these Terms in relation to the services they cover.

2. DISCLOSURE OF MATERIAL FACTS

Insurers must be provided with a fair presentation of risk and all material information relevant to the proposed insurance arrangement.

Any quotations provided are based on the information supplied by you. Failure to disclose relevant information before the commencement of insurance or throughout the policy period may adversely affect your insurance cover.

Consequences may include:

avoidance or cancellation of the policy, in some cases from inception;
refusal or reduction of claims payments;
variation of the terms of cover; and
difficulties in obtaining insurance cover in the future.

If you are uncertain whether a fact or circumstance may be material, you should disclose it to your insurance representative.

Please note that insurers may appoint their own surveyors or experts before authorising repair, reinstatement or other remedial works following a claim.

3. PRODUCTS AND SERVICES

The content of this website does not constitute an offer to sell insurance products, and nothing on it constitutes advice. No contract of insurance comes into existence, and no cover is in force, unless and until we confirm it in writing.

Any request submitted through this website shall constitute an invitation for Mulberry to consider the provision of a quotation, product or service.

Insurance products remain subject to:

insurer acceptance;
underwriting criteria;
policy terms and conditions;
exclusions and limitations;
applicable legal and regulatory requirements.

Descriptions contained on this website are provided for general information purposes only and do not constitute complete policy documentation.

Full details are available within the relevant policy wording, schedule, endorsements and other policy documents.

You are responsible for ensuring that all information provided is accurate, complete and up to date.

Our services and relationship with clients remain subject to our Client Terms of Business Agreement, including our Data Protection Notice.

4. RESPONSES AND QUOTATIONS

We endeavour to respond to requests as promptly as reasonably possible. We do not, however, guarantee any particular response time, and you should not assume that an enquiry submitted through this website has been received unless we acknowledge it. Urgent instructions, including instructions relating to cover incepting imminently or to a claim, should not be sent through this website; please contact us by telephone on 2099 7391.

Any quotation provided is indicative and based on the information made available to us at the time of assessment.

A quotation may be amended, withdrawn or re-issued where:

information changes;
information is incomplete or inaccurate;
underwriting requirements change; or
material circumstances affecting risk arise.

Unless otherwise indicated, quotations remain valid for thirty (30) days from issue.

5. WEBSITE CONTENT

While Mulberry endeavours to ensure that information published on this website is accurate and up to date, no warranty, representation or guarantee is made regarding its completeness, accuracy, reliability or suitability for any particular purpose.

The information provided is of a general nature and should not be regarded as insurance, financial, legal, tax or professional advice.

Users should obtain independent professional advice appropriate to their particular circumstances before acting on any information contained on this website.

6. INTELLECTUAL PROPERTY

Unless otherwise stated, all content appearing on this website, including text, graphics, logos, documents, designs, software, trademarks and other materials, is owned by or licensed to Mulberry.

No content may be copied, reproduced, republished, distributed or otherwise used without prior written consent, except as permitted by law.

7. ACCEPTABLE USE

You must not use this website for any unlawful or fraudulent purpose; submit information which is false, misleading, defamatory or in breach of a third party’s rights; introduce any virus, malware or other harmful code; or attempt to gain unauthorised access to this website, the server on which it is stored or any connected system.

You must not submit another person’s personal data through this website unless you are entitled to do so and have brought our Privacy Policy to that person’s attention.

We may suspend or withdraw access to this website, and report the matter to the competent authorities, where we consider that this section has been breached.

8. LIMITATION OF LIABILITY

Subject to the two paragraphs which follow, and to the fullest extent permitted by law, Mulberry shall not be liable for any indirect or consequential loss, or for any loss of profit, loss of business, business interruption, loss of anticipated savings, loss of goodwill or loss of data, arising out of or in connection with:

use of this website;
inability to access this website;
reliance upon website content; or
technical defects, interruptions or inaccuracies.

If you are a consumer, nothing in these Terms affects your rights under the Consumer Affairs Act (Cap. 378 of the Laws of Malta) or under any other law which cannot be derogated from by agreement, and any provision of these Terms which would otherwise operate to your detriment as a consumer contrary to that law does not apply to you.

This section does not affect our liability in respect of the insurance distribution services we provide to our clients, which is governed by our Client Terms of Business Agreement, by the Insurance Distribution Act (Cap. 487) and by applicable MFSA rules.

9. WEBSITE AVAILABILITY

While reasonable efforts are made to ensure continuous availability, Mulberry does not guarantee that the website will operate uninterrupted, error-free or free from viruses, malware or other harmful components.

10. COMPLAINTS AND DISPUTE RESOLUTION

If you wish to complain about our services, please contact us in the first instance at info@mulberrybrokers.com. We will acknowledge your complaint and deal with it in accordance with our complaints procedure, a copy of which is available on request.

If you are an eligible customer and we have not resolved your complaint to your satisfaction, you may refer it to the Office of the Arbiter for Financial Services, N/S in Regional Road, Msida MSD 1920, Malta; freephone 8007 2366; telephone +356 2124 9245; financialarbiter.org.mt.

Complaints about the handling of your personal data may be made to us and, if not resolved, to the Information and Data Protection Commissioner, as explained in our Privacy Policy.

11. CHANGES TO THESE TERMS

We may revise these Terms and Conditions from time to time.

Updated versions shall become effective upon publication on the website.

Users are encouraged to review these Terms periodically.

12. GOVERNING LAW AND JURISDICTION

These Terms and Conditions shall be governed by and construed in accordance with the laws of Malta.

Subject to the paragraph which follows, any dispute arising in connection with these Terms shall be subject to the exclusive jurisdiction of the Maltese courts.

If you are a consumer habitually resident in a Member State of the European Union, the preceding paragraph does not deprive you of the protection of the mandatory rules of the law of your country of residence. Proceedings may be brought against you only in the courts of that country, without prejudice to our right to bring a counterclaim in the court in which any claim of yours is pending, and you may bring proceedings against us either in the courts of Malta or in the courts of your country of residence.