Skip to the content

Terms and Conditions



You are able to login to Gilchrist Standard because either you or your employer has obtained or arranged for this Licence to be offered to you, and the licence fee has been paid by or on behalf of you or your employer. However, as above you will only be licensed to continue to access and to use Gilchrist Standard on condition of your agreement to the whole of this Licence.

The period for which this Licence is available to you will be confirmed in the written agreement between you or your employer and Gilchrist.



Each time that you login you confirm that:

  1. all information you provide to us through Gilchrist, whether personal information about you or information about your firm or your employer, including any personal information (“Personal Information”) is true, accurate, current and complete in all respects;
  2. you will notify us immediately of any changes to your Personal Information by contacting us by e-mail, at ;
  3. you agree not to impersonate any other person or entity or to use a false name;
  4. you are responsible for the security and confidentiality of any log in and password or other security details provided to you for Gilchrist Standard and you will not disclose it to or share it with any other person.


Who we are and what this Agreement does:

We, UKGI Group Limited (incorporated and registered in England and Wales with company number 12539796 whose registered office is at 22 Mount Ephraim, Tunbridge Wells, TN4 8AS, trading as “Gilchrist Standard” (“Gilchrist") license you to use:

  • Gilchrist Standard platform (including the data supplied on the platform from time to time) (“Gilchrist Standard”), and any updates or supplements to it.
  • The related online documentation (Documentation).
  • The service you connect to via Gilchrist Standard and the content and data we provide to you through it (Service).

only as permitted in these terms and the terms of the main agreement between you or your employer and Gilchrist.



For the purposes of this Licence all words and phrases shall have their ordinary meaning unless stated otherwise and the following words and phrases shall have the following meanings:


any person, partnership or company which is or which purports to be registered with the FCA as a general insurance intermediary, including, any Chosen Broker

“Broker Data”

 all data including Broker Responses about any Broker which is submitted by that Broker to Gilchrist Standard and/ or otherwise contained in any Report and / or processed by and/ or generated by Gilchrist Standard

“Broker Report”

a report produced by or available on Gilchrist Standard following the completion of a Self- Assessment by that Broker

“Broker Response(s)”

the response provided by any Broker in the course of completing the Self- Assessment. 

“Chosen Broker”

a Broker in relation to which a Client requests a Broker Report.


all and any kind of text, information, image, or audio or video material which is or can be incorporated and/or published in a document, and/or in a website and/or hosted platform for access by a visitor to that website/hosted platform including but not limited to all Broker Reports, Self-Assessments and Broker Data;

Inappropriate Content

any Content which is,  or which appears to Gilchrist to infringe any applicable laws, regulations or third-party rights (such as material, which is obscene, indecent, pornographic, seditious, offensive, defamatory, threatening, liable to incite racial hatred, menacing, blasphemous or in breach of any third-party Intellectual Property Rights);

Intellectual Property Rights

all intellectual property rights including but not limited to the registered and/or non-registered ownership of patents, trademarks, registered design, know-how and/or copyright and any other intellectual property rights and in each case whether registered or unregistered and including applications for registration, and all rights or forms of protection having equivalent or similar effect anywhere in the world;

Gilchrist Brand

means all and any logos and branding and business or trade dress owned and or used under licence by Gilchrist (including without limitation the Gilchrist or Gilchrist Standard logo, and name and or any other business or trade dress used from time to time by Gilchrist in connection with the Gilchrist Standard platform and service and the business of Gilchrist;


means the process on Gilchrist Standard which a Broker may complete to input its Broker Data in Gilchrist Standard for the purposes of the production of a Broker Report and to contribute to the Sector Data


anything or device (including any code, file or programme) which may: prevent, impair or otherwise adversely affect the operation of any computer, platform, hardware or network, any telecommunications service, equipment or network or any other service or device; prevent, impair or otherwise adversely affect access to or the operation of any programme or data, including the reliability of any programme or data (whether by re-arranging, altering or erasing the programme or data in whole or part or otherwise); or adversely affect the user experience, including worms, "Trojan horses", viruses and other similar things or devices.


Your Input

all and any data input by you into Gilchrist Standard, including but not limited to your registration details, and or your responses to all and any Self -Assessments and Your Usage Data

Your Usage Data

Such data as Gilchrist Standard may collect and or compile to record the use made by you of  Gilchrist Standard, including as to the frequency and duration and areas of  Gilchrist Standard used by you on each occasion.





  1. You may use Gilchrist Standard only for the purposes of supporting your professional standards in relation to your work.
  2. When using Gilchrist Standard if you are not a Broker you may do the following in the course of the internal management of your business only:
  • Commission Broker Reports
  • Nominate Chosen Brokers
  • Review other data made available on Gilchrist Standard.
  • print and or download parts of the Content where that option is clearly offered to you on the screen concerned
  1. When using Gilchrist Standard, if you are a Broker, you may do the following in the course of the internal management of your business only
    • Complete Self Assessments
    • Review, print and/ or download any Broker Report on your firm
    • Review, print or download other Content including Data which is made available to you on Gilchrist Standard from time to time.



When using Gilchrist Standard and or Content including Data you must not:

  • use any part of it for your own or another person or company’s commercial purposes
  • seek to commercially exploit any part of it
  • make any part of it available to any other person
  • scrape off, reproduce, duplicate, copy, modify, distribute, publish or re-sell any part of any of Gilchrist Standard and or Content;
  • use it to access interfere with, damage or disrupt in any way any part of Gilchrist Standard any equipment or network or software on or through which Gilchrist Standard and or Content is stored or operated;
  • use Gilchrist Standard or any Content for your own or any other person’s commercial purposes.


You must not use any part of Gilchrist Standard and / or any part of the Content:

  • in any way that breaches any applicable local, national or international law or regulation or
  • in any way that is unlawful or fraudulent, or has any unlawful or fraudulent purpose or effect;
  • to harm or attempt to harm minors in any way;
  • to transmit, or procure the sending of, any unsolicited or unauthorised advertising or promotional material or any other form of similar solicitation (spam); or
  • to knowingly transmit any data, send or upload any material that contains viruses, Trojan horses, worms, time-bombs, keystroke loggers, spyware, adware or any other harmful programs or similar computer code designed to adversely affect the operation of any computer software or hardware.



Gilchrist Standard is the owner or the licensee of all intellectual property rights in Gilchrist Standard and in the Content, including but not limited to the Gilchrist Brand, logos, trademarks and designs.  Those works are protected by copyright laws and treaties and trademark and or design rights registrations around the world.  All such rights are reserved.

You must not remove or alter or obscure any copyright notices and or trademark notices displayed in any part of Gilchrist Standard and or the Content. You must not remove any acknowledgement that we or any of our contributors is the author of any such material.

As set out in the Acceptable Use section above you may only print and or download any part of the Content where you are offered that functionality on the screen concerned.

You must not copy the paper or digital copies of any Content you have printed or downloaded, and you must not use any illustrations, photographs, video or audio sequences or any graphics separately from any accompanying text.



We reserve our rights to:

  • withdraw or amend Gilchrist Standard and or any part of the Content without notice to you;
  • restrict or suspend access to all or any part of Gilchrist Standard;
  • withdraw or suspend all or any access rights provided to you on registration;
  • determine that you have breached or are likely to breach any part of this Licence and take appropriate action against you including taking legal proceedings against you to stop or prevent such breach and or to recover damages and or costs.



It is important that you check that you can agree to our privacy policy before you continue using Gilchrist Standard. Your continued use of Gilchrist Standard will be deemed to confirm that you agree that our privacy policy including our policy in relation to Cookies applies to your use of Gilchrist Standard and all of your relevant Personal Information and all of Your Usage Data and Your Input.



You agree fully to indemnify, defend and hold us, and / or our officers, directors, employees, agents and suppliers, harmless immediately on demand, from and against all claims, liability, damages, losses, costs and expenses, including reasonable legal fees, arising out of any breach of this Licence by you or the use by any other person accessing  Gilchrist Standard and or the Content using your Personal Information.



We will not be liable for any loss or damage caused by:

  • a distributed denial-of-service attack, viruses or other technologically harmful material that may infect your computer equipment, computer programs, data or other proprietary material due to any use by you of Gilchrist Standard and or any Content; or
  • if for any reason Gilchrist Standard is unavailable at any time or for any period.


To the extent permitted by law, we, other members of our group of companies and third parties connected to us hereby expressly exclude:

  • all conditions, warranties and other terms which might otherwise be implied by statute, common law or the law of equity.
  • any liability for any direct, indirect or consequential loss or damage incurred by you in connection with Gilchrist Standard or in connection with the use, inability to use, or results of the use of  Gilchrist Standard and or Content, including, without limitation any liability for: loss of income or revenue; loss of business; loss of profits or contracts; loss of anticipated savings; loss of data; loss of goodwill;  and for any other loss or damage of any kind, however arising and whether caused by tort (including negligence), breach of contract or otherwise, even if foreseeable.


Nothing in this Licence excludes any liability which we may have for death or personal injury arising from our negligence, or our liability for fraudulent misrepresentation or misrepresentation as to a fundamental matter, or any other liability which cannot be excluded or limited under applicable law.


Law and Jurisdiction: This Licence will be subject to English law and in the event of any dispute arising in relation to this Licence both you and Gilchrist agree that the dispute shall be referred to the exclusive jurisdiction of the courts of England and Wales.