Terms and Conditions
This Site is Provided and Owned by;
M R Ratcliffe Consultants Ltd
Wolseley House
Oriel Road
Cheltenham.
Gloucestershire
GL50 1TH
Company Number: 2127940
FCA number: 309607
Use of this Website
This website is to be used for the sole purpose of providing potential and existing customers in the UK with a selection of useful information about us, our services and key contacts.
Disclaimers
Due to the nature of the internet, you (visitors) use this site at your own risk. We accept no responsibility for any detriment or loss whatsoever. No reliance must be placed on the accuracy or completeness of data until checked directly with us. We are unable to guarantee that this site is free of viruses, technical or other harmful defects. We also cannot guarantee the privacy of personal information transmitted to us as the internet is not a secure communications system.
Data Protection
If we receive personal details from you over the internet, we undertake to comply with the Data Protection Act 1998. Unless required by law by virtue of our being FCA registered or where you give consent, all information you supply will be kept confidential to us and the parties involved in the normal course of arranging and administering your insurance.
Governing Law
We have established www.ratcliffes.co.uk in England and the terms and conditions of use shall be governed by and construed in accordance with English Law. In relation to any legal action or proceedings arising out of or in connection with these terms and conditions, relevant parties shall irrevocably submit to the non-exclusive jurisdiction of the English Courts.
Site Queries
Should you have any queries about the site’s contents, terms and conditions or encounter accessibility problems, please contact our Business Development Manager on 01242 544544.

