The guinea pigs have arrived, find out why
This application (the 'App') is owned and operated by BHSF Employee Benefits Limited, a company registered in England and Wales with company number 03897857 whose principal place of business is at 14th Floor, 54 Hagley Road, Birmingham, B16 8PE.
BHSF Employee Benefits Limited is authorised and regulated by the Financial Conduct Authority (FCA reference number 308611). In these terms BHSF Employee Benefits Limited is referred to as 'Us', 'We', 'Our' and 'BHSF'.
These terms and conditions (the 'Terms') set out the basis on which you may download and use the App, whether you use it in connection with a health cash plan, an employee benefit, or any other product or service We make available through it.
Please read these Terms carefully before you download or use the App, and contact Us or a legal adviser if you have any questions.
By downloading, installing or using the App you confirm that you have read, understood and agree to the Terms and that you agree to be bound by them. If you do not agree to be bound by the Terms, please do not download, install or use the App. In addition to these Terms, the following terms and policies (as may be updated from time to time) also apply to your use of the App:
We update the App regularly and you should note that We may change, withdraw or correct App content, features or functionality, or Our products and services, at any time. While We endeavour to keep the App up to date, please be aware that on very limited occasions content may be out of date.
We may also change the Terms from time-to-time, for example to reflect changes to the App, or due to changes in the law, regulation or security requirements. We will give you reasonable notice (where practically possible) of any change which materially affects your rights or use of the App.
The App is a companion to Our health cash plans and employee benefits. Depending on the products and services you hold or are entitled to, the App may allow you to view your plan and benefit details, submit and track claims, access value added services, create and manage your account, and change or reset your password. Features available to you may vary and We may add, change or remove features from time to time, but you should be aware that changes to the features available to you via the App will not affect your entitlement to the products or services you hold or are entitled to.
To use the App you must be at least 16 years old and, where the App is provided to you in connection with an employee benefit, you must be an employee or other eligible person of an organisation that holds the relevant arrangement with Us. To access the health cash plan features of the App, you must hold a current health cash plan policy with Us.
you may need to register for an account, or activate access using details provided to you by Us or your employer. you are responsible for making sure that the information you give Us is accurate and kept up to date.
you must keep your login details, including any password, passcode or biometric access you set up on your device, confidential and you must not disclose them to anyone else. Please inform Us immediately at enquiries@bhsf.co.uk if you know or suspect that your login details are no longer secure.
In consideration of you agreeing to these Terms, We grant you a non-exclusive, non-transferable, revocable licence to download and use the App on a device that you own or control, for your own personal use and in connection with the products and services you hold or are entitled to, in accordance with these Terms and the rules of the relevant app store.
Except as expressly set out in these Terms, or as permitted by law, you must not:
By breaching this provision, you may commit a criminal offence. In the event of such a breach your right to use the App will cease immediately.
From time to time We may issue updates to the App. Some updates will be required by the system that the App accesses in order to operate, and you may not be able to continue using the App, or particular features, until the latest version has been installed. you are responsible for making sure your device meets the minimum operating system and technical requirements needed to run the App.
We make all reasonable efforts to keep the App available and running smoothly. However, We may from time to time suspend, withdraw or restrict the availability of all or part of the App without notice, including for repair, maintenance, improvement or other technical reason. We do not guarantee that the App, or any particular feature, will always be available, uninterrupted or error-free.
The App may ask your permission to use certain features of your device, such as sending you notifications, using the biometric sign-in feature on your device to let you sign in, accessing your location, and reading data (as per your policy terms) that may be held on your device. You can control these permissions through your device settings, although turning some of them off may affect how the App works.
As the minimum operating system and technical requirements to run the App may change over time, We will give you reasonable notice (where practicable) if a previously supported OS/device will cease to be supported. However, urgent security/technical updates may be required immediately and your inability to use the App does not affect your entitlement to or ability to access the underlying services through the other channels made available by Us.
The App is a tool to help you make the most of your health cash plan, employee benefit or other product(s) that you may have with Us. It does not itself form part of your contract of insurance or benefit arrangement, and the information shown in the App is intended as a guide only and does not amend the terms of your cover. your policy documents, scheme rules and other product terms remain the definitive record of your cover, entitlements and how to claim. Where there is any difference between what the App shows and those documents, those documents apply.
We are the owner or the licensee of all intellectual property rights in the App, in the software comprising it, and in the content made available through it. The App and this content, including any trademarks and logos, are protected by copyright and other laws and are owned by BHSF or Our licensors.
The licence We grant you to use the App does not give you any rights in the App or its content other than as set out in these Terms. Unless We have given you Our express written permission, you may not copy, reproduce, distribute, publish or otherwise use any part of the App or its content for any commercial purpose.
The App may include links to, or allow you to access, websites, applications or services provided by third parties, including services that form part of your benefits. These are provided for your convenience. We have no control over, and are not responsible for, the content, availability or terms of any third-party website, application or service, and the existence of a link does not imply that We recommend or endorse it. your use of any third-party service may be subject to that third party's own terms and privacy arrangements, which you should review.
We process information about you in accordance with Our Privacy Notice https://www.bhsf.co.uk/helpful-resources/privacy. Where you provide health or other special category information through the App, for example as part of a claim, We handle it as described in Our Privacy Notice. Please note that any telephone calls between us may be recorded for quality monitoring and training purposes.
We may suspend or end your access to the App, or to particular features, at any time if:
(a) you materially breach these Terms;
(b) if We reasonably suspect you of unauthorised or fraudulent use of the App; or
(c) where We stop providing the App or the underlying product or benefit.
you may stop using the App at any time and remove it from your device. Ending your use of the App does not affect any rights or obligations that arose before it ended, and the parts of these Terms that by their nature should continue will remain in force.
Please read these provisions carefully as they limit Our legal liability in connection with your use of the App. As far as is permitted by law, We exclude all conditions, warranties, representations or other terms which may apply to the App or any content on or accessed through it.
We shall remain liable to you in respect of any fraud committed by Us, in respect of death or personal injury arising from Our negligence, and for any other liability that cannot be excluded or limited under English law. All other liabilities are excluded to the fullest extent permitted by law. Except where required by applicable law, We will not be responsible for or liable to any user or third party for any loss or damage arising in connection with:
As a consumer, the App is for your private use only and you agree that you will not use it for any commercial or business purpose. Nothing in these Terms affects your legal rights as a consumer.
We may change, suspend or withdraw the App, or any feature of it, and We may change these Terms, as described at the start of these Terms. If you do not agree with a change to these Terms, your option is to stop using the App and remove it from your device.
Unless We say otherwise, the App and its content relate to Our products and services available in the UK or the Republic of Ireland as applicable. If you access the App from elsewhere, you are responsible for compliance with any applicable local laws.
If you are a consumer, the Terms, their subject matter and their formation are governed by English law. you and We both agree that the courts of England will have non-exclusive jurisdiction over any claim arising from or related to your use of the App. However, if you are resident in Northern Ireland you may also bring proceedings in Northern Ireland, and if you are resident in Scotland you may also bring proceedings in Scotland.
If you are a business, the Terms, their subject matter and their formation (and any non-contractual disputes or claims) are governed by English law, and you and We both agree to the exclusive jurisdiction of the courts of England.
If any provision of the Terms shall be unlawful, void or for any reason unenforceable, then that provision shall be deemed severable and shall not affect the validity and enforceability of any remaining provisions.
The Terms, together with Our Privacy Notice, Cookie Policy and the terms of any product or benefit you hold with Us, constitute the entire agreement between you and Us in relation to your use of the App and shall supersede all previous representations, agreements and other communications between you and Us, both oral and written, in relation to it.
To contact Us, send an email to enquiries@bhsf.co.uk or call on 0121 454 3601, or use the Contact page at www.bhsf.co.uk.