Terms AND CONDITIONS
Last Updated: 12/08/25
Welcome to Up Digital. These Terms and Conditions govern your use of our website, services, and any related platforms. By accessing or using our Services, you agree to these Terms. If you do not agree, please do not use our Services
You agree to use our Services only for lawful purposes and in compliance with all applicable laws and regulations.
You must not misuse the website, attempt to gain unauthorised access, or engage in activity that could damage, disable, or impair our Services.
Information provided to us must be accurate, complete, and current.
All insurance products are subject to underwriting criteria and eligibility requirements.
Any quotes provided through our platform are non-binding until accepted by both you and the insurer.
Policy terms, coverage, exclusions, and conditions will be outlined in the individual policy documentation.
All content, trademarks, and materials on our Services are owned by or licensed to Up Digital.
You may not copy, distribute, modify, or use any materials without our prior written consent.
Our Services may contain links to third-party websites or resources. We are not responsible for their content, policies, or practices.
We provide the Services “as is” and make no guarantees that they will be error-free or uninterrupted.
To the fullest extent permitted by law, Up Digital is not liable for any direct, indirect, incidental, or consequential damages arising from your use of our Services.
You agree to indemnify and hold harmless Up Digital, its directors, employees, and affiliates from any claims, liabilities, damages, or expenses arising out of your use of our Services or breach of these Terms.
Your use of our Services is also governed by our [Privacy Policy]. By using our Services, you consent to the collection and use of your data as described in the Privacy Policy.
We may update these Terms from time to time. Changes will be posted on this page with an updated date. Continued use of our Services after changes means you accept the new Terms.
These Terms are governed by the laws of the United Kingdom of Great Britain and Northern Ireland, without regard to its conflict of laws principles.
Modern Slavery and Human Trafficking statement as required under s54, Part 6, of the Modern
Slavery Act [1] 2015 for the 2026/2027 financial year.
1.Introduction
UP Digital Risks Limited is committed to ensuring that its business dealings are carried out in compliance with the relevant laws
and, in doing so, we endorse the implementation and promotion of ethical business practices to
protect workers from being abused and exploited.
The Company is committed to preventing slavery and human trafficking in its corporate activities
and to ensuring that its supply chains are free from slavery and human trafficking.
2. Organisation Structure
This statement covers the activities of Independent Broking Solutions Limited and its Appointed
Representative Network.
3.Relevant Policies
The Company operates a number of policies that mitigate the risk of modern slavery and set out
steps to be taken to prevent slavery and human trafficking in its operations.
4.1 Whistleblowing
The Company encourages all its workers, customers and other business partners to report any
concerns related to the direct activities, or the supply chains of, the organisation. This includes any
circumstances that may give rise to an enhanced risk of slavery or human trafficking. The Company’s
whistleblowing procedure is designed to make it easy for workers to make disclosures, without fear
of retaliation. Employees, customers or others who have concerns can contact our Compliance
Officer Jonathan Sprules in the full knowledge that all disclosures will be held confidential.
4.2 Supplier Chain Management
Whilst the Company exercises a vital role in the insurance distribution chain, it does not have a
supply chain that is reliant on factories or other entities that would normally be associated with
slavery or forced labour.
As a general rule, contractors and suppliers used by the Group are therefore not likely to be
susceptible to this risk. However, we are mindful that others may not always uphold standards to
the same level as Independent Broking Solutions Limited. Consequently, employees responsible for
managing suppliers and others involved with the Group are, themselves, responsible for ensuring
that our values and ideals are upheld. This continues to be a work in progress and we are
strengthening our controls as new contracts are agreed. For example, serious violations by suppliers
will lead to the termination of the business relationship.
4.3 Recruitment and Selection
The Company uses only, reputable employment agencies and personal contacts to source labour. All
entities in the Group ensure appropriate controls are in place to ensure employees have the right to
work and are therefore protected by employment legislation. This includes checking right-to-work
documents, visas and passports
The Company and its associated subsidiaries do not employ individuals that would be considered to
be ‘child workers’. Young and inexperienced workers may be employed or given work experience,
but they are subject to the rights and protections that we afford all workers.
Basic rights which we expect all workers to enjoy, include:
The right to a reasonable wage
The right to a safe working environment
The right to an appropriate level of holiday and cover for period of sickness
The freedom to complain directly via our whistleblowing policy free of charge, if they believe that they are not being fairly treated or have any other concerns.
5. Right of Audit
All offices in the Group are subject to periodic audits. Core audit work includes an assessment of the
basic working conditions of our staff and consideration of our ability to oversee controls discharged
by third party suppliers.
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[1] References in this Statement to the “Act” are references to the “Modern Slavery Act 2015