TERMS OF BUSINESS

N R Partners Ltd is an Appointed Representative of Citrus Compliance. Citrus Compliance is a trading name of Andrew Smith, which is authorised and regulated by the Financial Conduct Authority. You can check this on the Financial Services Register by visiting the FCA’s website www.fca.org.uk/register or contacting the FCA on 0800 111 6768.

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Registered Address: 32 Ridge Lea, Boxmoor, Hertfordshire, HP1 2AZ
Registered in England No: 12121634.

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In this Agreement “NRP” shall refer to N R Partners Ltd and “You” shall refer to any person contracting for the purpose of goods and/or services from NRP and “Your” shall be construed accordingly.

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1. You
   You appoint NRP to act on your behalf in relation to all matters concerning Your claim on Your policy of Insurance (“the Claim”) including but not limited to:
   1.1 dealing exclusively with Your Insurance company or its appointed representatives (“the Insurer”);
   1.2 handling all aspects of the Claim on Your behalf as Your duly appointed agent;
   1.3 negotiating and settling the Claim;
   1.4 attending to correspondence, telephone calls and meetings with the Insurer and/or Loss Adjuster;
   1.5 receiving payment of all monies when they become due in relation to the Claim;
   1.6 instructing contractors and suppliers (“the Contractors”) to undertake the quantification work arising out of the Claim (“the Quantification Work”);
   1.7 making all appropriate payments to the Contractors in respect of the Quantification Work and/or the provision.

2. You further agree that:
   2.1 all services required to properly complete the Quantification Work will be supplied or undertaken by NRP’s nominated Contractor;
   2.2 You shall forward to NRP upon receipt all correspondence and all monies relating to the Claim to enable NRP to deal with such matters with due expediency and that NRP shall not be liable for any delays in dealing with the Claim where that delay is as a result of Your breach of this clause;
   2.3 NRP shall not accept any responsibility for goods and/or services supplied or undertaken that have not been authorised or agreed by NRP;
   2.4 upon satisfactory completion of the Quantification Work You shall provide written confirmation of the same to NRP (such confirmation not to be unreasonably withheld or delayed).

3. Provision of the Services and fees
   3.1 You acknowledge that the Quantification Work which are the subject of Your Claim are subject to the terms of Your insurance policy and that NRP requires prior approval from Your Insurer in order to provide such Quantification Work save that NRP may agree to provide any part of the Quantification Work before receiving such approval from Your Insurer in the circumstances set out in clause 3.2.
   3.2 Where appropriate, and where instructed by You, NRP may agree to take such necessary steps as are required on an emergency basis to mitigate the loss arising from the Claim before NRP has received approval from Your Insurer to undertake the Quantification Work. The cost of any such steps will be agreed with You in advance and payable by You directly to the Contractor. NRP will attempt to recover these costs on Your behalf from the Insurer, but if such costs are found to be irrecoverable from the Insurer then such costs will be payable in full by You.
   3.3 There will be no fees charged to You in respect of the Quantification Work or any goods or other services supplied to You under this Agreement, except in the following circumstances:
   a. You may still need to pay your policy excess;
   b. In the event that Your insurance policy does not cover the circumstances giving rise to the Claim. If the Claim is not covered, You will be responsible for any costs incurred by NRP in providing the Services and any goods;
   c. You elect to cancel this Agreement pursuant to your rights set out in clause 11, in which case You may be responsible for any costs incurred in accordance with clause 11.4 and/or 11.5;
   d. You cancel or terminate this Agreement, or You decide not to engage NRP (through its Contractors) to proceed with the Reinstatement Works, save where You exercise a right to cancel Your contract in accordance with clause 11, in which case You shall be liable to pay to NRP the cost of any Services and any goods supplied up to the point of cancellation or termination, whether or not such costs are recoverable from Your Insurer.
   3.4 Any sums payable by You under this Agreement shall be payable within [14] days of the date of invoice.

4. NRP
   In consideration of you fulfilling your obligations under this Agreement NRP agrees:
   4.1 to instruct the Contractors to carry out the Quantification Work with all expediency and manage the Claim on Your behalf to the best of our ability;
   4.2 to accept all payments in settlement and forward appropriate payments to the Contractors upon completion of the Quantification Work.

5. Quality of Service
   We aim at all times to provide You with a service that will meet with your expectations. However, if you have cause to complain about any aspect of the Quantification Work please contact NRP (contact details opposite). If you wish to register a complaint on how we have handled the insurance claim please contact Citrus Compliance, Watermoor Point, Watermoor Rd, Cirencester GL7 1LF – email: admin@citruscompliance.co.uk Tel +44(0) 800 688 9934.
   If we cannot settle the complaint you may be entitled to refer it to the Financial Ombudsman Service. www.financial-ombudsman.org.uk

6. Personal Information
   We take protecting our customers data very seriously and abide by the rules of the General Data Protection Regulation (GDPR). Please refer to our Privacy Notice for information on how we hold and process your data.

7. Rights of Third Parties
   It is the intention of the parties to this Agreement that a person who is not a party to this Agreement shall have no rights under the Contracts (Rights of Third Parties) Act 1999 to enforce any term of this Agreement.

8. Notices
   Any notice to be served on one Party by the other shall be sent by prepaid recorded delivery or registered post and shall be deemed to have been received by the addressee within 72 hours of posting.

9. Waiver
   No forbearance or delay by either Party in enforcing its rights will prejudice or restrict the rights of the Party, and no waiver of any other right or any later breach.

10. Severance
    In the event that provision of this Agreement is declared by any judicial or other competent authority to be void, voidable, illegal or otherwise unenforceable or indications of the same are received by either of the Parties from any relevant competent authority the parties shall amend that provision in such reasonable manner as enforceable achieves the intention of the Parties or, at NRP’s discretion, it may be severed from this Agreement in which event the remaining provisions shall remain in full force and effect.

11. Cancellation
    11.1 If You are a consumer, You have the right under the Consumer Contracts (Information, Cancellation and Additional Charges) Regulations 2013 to cancel your contract with us in the following circumstances:
    a. in respect of services provided by NRP, within a period of 14 days from the date of conclusion of this Agreement, subject to clause 11.2;
    b. in respect of any goods provided by NRP, within a period of 14 days from the date on which You (or a third party indicated by You) acquire physical possession of the goods, in each case, the “cancellation period”.
    11.2 By signing this Agreement, You are instructing NRP to commence the provision of the Services before the end of the cancellation period described in clause 11.1(a). If NRP completes the provision of the Services during that cancellation period, You will lose the right to cancel the contract upon completion of the Services.
    11.3 To exercise the right to cancel, You must inform NRP of Your decision to cancel Your contract by a clear statement (e.g. a letter sent by post, fax or an e-mail using the contact details set out in this Agreement). You may use the attached model cancellation form but it is not obligatory. To meet the cancellation deadline, it is sufficient for You to send Your communication concerning Your exercise of the right to cancel before the relevant cancellation period has expired.
    11.4 By signing this Agreement, You are instructing NRP to commence the provision of the Services before the end of the cancellation period. If You cancel Your contract with NRP in respect of the provision of any Services in accordance with this clause 11, You shall be obliged to pay to NRP an amount which is in proportion to the Services that have been performed before You communicated Your cancellation of the contract to NRP.
    11.5 If You cancel Your contract with NRP in respect of the provision of any goods which have already been delivered to You:
    a. NRP will collect the goods, but You acknowledge and agree that You will have to bear the cost of returning the goods and the cost will not exceed the total value of the reinstatement work authorised by your insurer;
    b. You will be responsible to pay to NRP any diminution in the value of the goods resulting from the handling of the goods other than what is necessary to establish the nature, characteristics and functioning of the goods.

12. Termination
    12.1 This Agreement shall terminate automatically upon the completion of both parties’ obligations.
    12.2 NRP shall be entitled to terminate this Agreement with immediate effect if You fail to observe any obligation under this Agreement.
    12.3 Termination of this Agreement shall not affect any of Your payment obligations under this Agreement.

13. Jurisdiction
    This Agreement shall be governed by English Law. The language in which this Agreement shall be interpreted and in which all communication shall be conducted will be English.