Terms & Conditions

1. Definitions

Words defined in this clause will have the same meaning wherever they appear in these Terms.

1.1 “Account” means the account set up with CLSQ by You for the purpose of purchasing the Services.

1.2 “Agreement” means a document entered into between You and CLSQ to provide Products or Services.

1.3 “Bond” means any bond product provided by CLSQ whether on its own or as part of a Product.

1.4 “Client” means You or any individual or organisation to whom You provide professional services as an agent.

1.5 “CLSQ” means the following companies:

  • CLS Property Insight Limited (company no. 06993053), authorised and regulated by the Financial Conduct Authority (“FCA”).
  • CLS Data Limited (company no. 10446473), authorised as an Appointed Representative of CLS Property Insight Limited.
  • CLS Group Services Limited (company no. 07054613).

1.6 “CLSQ Fees” means any charges levied by CLSQ for its Products and the Services as set out in the Site or as notified to You from time to time.

1.7 “Content” means any computing and/or information services, software, data, documentation, support materials, and updates supplied by CLSQ or third parties.

1.8 “Insurance Product” means any insurance product provided by CLSQ whether on its own or as part of a Product.

1.9 “Intellectual Property Rights” means all forms of protective rights relating to intellectual property as recognised in law.

1.10 “Order” means an electronic, written, or other request from You to CLSQ for the Services.

1.11 “Product” means any information or other material CLSQ supplies to You through the Services, including reports, insurance documents, certificates, data-sets, or software.

1.12 “Property Site” means the area of land, including anything built on or in it, in respect of which CLSQ provides the Services to You.

1.13 “Reseller” means an organisation authorised by CLSQ to provide its Services through which You may place an Order.

1.14 “Services” means any Service provided to You by CLSQ within these Terms, including but not limited to Content, Products, and access to the Site.

1.15 “Site” means the website at:

1.16 “Supplier” means any third party providing data or information in any form to CLSQ.

1.17 “Terms” means these terms and conditions as amended from time to time.

1.18 “Third Party Content” means any data, services, software, information, and other content provided by a Supplier.

1.19 “Third Party Terms” means the terms of the Third Party Content provided by a Supplier, available on the CLSQ ordering platform after registration.

1.20 “You” and “Your” means the contracting party that places an Order with CLSQ.

2. Terms and Conditions

2.1 These Terms govern the relationship between You and CLSQ whether You are a customer with an Account registered on the Site or You wish to purchase Products or Services from CLSQ on a bespoke basis.

2.2 You will be deemed to have accepted these Terms if You set up an Account, place an Order, or pay for any Service.

2.3 CLSQ will provide the Services to You once You have registered on the Site, contacted CLSQ directly and an Account has been set up, or You have entered into an Agreement.

2.4 If You act as agent for a Client, You must obtain the Client’s agreement to these Terms.

2.5 CLSQ reserves the right to refuse to supply Services to You or Your Client without notice or reason.

2.6 CLSQ may modify these Terms, revise, amend, or discontinue Services at its discretion. Continued use of Services will constitute acceptance.

2.7 Each company within CLSQ is exclusively responsible for provision of its Services and invoicing.

2.8 These Terms, together with prices and delivery details as set out on the Site or advised in writing, comprise the Agreement to supply Services.

3. Intellectual Property Rights

3.1 All Intellectual Property Rights in the Services and/or Site are owned by CLSQ or its Suppliers.

3.2 CLSQ confirms it has used reasonable endeavours to ensure Your use of Services does not infringe third-party rights.

3.3 Limitations on liability (Clause 6) apply to Intellectual Property Rights.

3.4 Upon payment of CLSQ Fees, You may make Products available to:

  • The Client and its professional advisers.
  • Any funder in relation to the Property Site.
  • The first tenant of the Property Site or their advisers and lenders.

3.5 You must not:

  • Modify, reverse-engineer, decompile, or disassemble Services.
  • Reproduce, translate, or publish Services.
  • Re-sell or redistribute Services.
  • Remove or alter trademarks or proprietary notices.

3.6 You must acknowledge CLSQ’s ownership of Intellectual Property Rights when incorporating Services in documents or systems.

3.7 You and authorised users must treat Services as confidential and safeguard them.

3.8 You indemnify CLSQ against claims or damages resulting from breach.

3.9 You agree to comply with CLSQ’s instructions regarding Intellectual Property Rights.

3.10 You must notify CLSQ of any suspected infringement.

4. Ordering from the Site

4.1 Registration on the Site is required.

4.2 A username and password will be issued. You are responsible for keeping them secure.

4.3 If registering as agent, You warrant You have authority to bind the Client.

4.4 You may authorise additional users under Your registration.

4.5 You must notify CLSQ immediately if passwords are compromised.

4.6 CLSQ may reset passwords in the event of suspected misuse.

4.7 Forgotten passwords can be reset via the Site.

4.8 You must provide accurate registration information and update it as necessary. CLSQ may terminate access if false information is supplied.

5. Payment

5.1 You are responsible for all CLSQ Fees on Your Account.

5.2 Insurance premium tax or VAT may also apply.

5.3 Invoices are payable within 14 days unless otherwise agreed.

5.4 Non-payment may result in cancellation of Products.

5.5 For cancelled Insurance Products, CLSQ will notify the insured.

5.6 CLSQ may terminate or limit Account access and charge late payment interest at 8% above Barclays base rate.

5.7 CLSQ may increase Fees with 30 days’ notice.

5.8 Insurance premiums received are held as agent of the insurer.

5.9 CLSQ receives commission from insurers and may also receive profit share.

5.10 For Bonds, CLSQ uses a third party for sales and brokering who will receive commission.

6. Warranties and Limitation of CLSQ’s Liability

6.1 CLSQ provides warranties and accepts liability only as set out in this clause.

6.2 CLSQ is not liable for indirect or consequential loss (e.g. profits, contracts, goodwill, property damage).

6.3 Nothing excludes liability for death or personal injury caused by negligence.

6.4 CLSQ is only liable for accidental loss or damage caused by wilful default.

6.5 CLSQ will not be liable if Services are used other than as provided.

6.6 Liability (except for Insurance Products/Bonds where FCA rules apply) is limited to £2,000,000 per claim (£10,000,000 for CLS Data Ltd).

6.7 You acknowledge and agree:

  • You must be authorised by the FCA, an AR, or an EPF to purchase Insurance Products or Bonds.
  • CLSQ is not responsible for third-party Suppliers.
  • Services may not be error-free, uninterrupted, or comprehensive.
  • CLSQ is not liable for external interruptions or data errors.
  • Only the Client, funders, or first tenants may rely on the Services.
  • You must ensure accuracy of Order details.
  • Services are not tailored to specific requirements.
  • You are responsible for reviewing insurance policy terms.
  • Third-party data may contain errors outside CLSQ’s control.
  • Liability for Insurance Products/Bonds rests solely with the insurer.
  • Additional Services obtained from third parties are subject to third-party terms.

7. Termination

7.1 CLSQ may terminate Your Account immediately if:

  • You breach these Terms.
  • You repeatedly commit material breaches.
  • You fail to pay under Clause 5.
  • You become insolvent or cease trading.
  • You cease to be FCA authorised.

7.2 Termination does not affect liability for charges outstanding.

7.3 Transactions agreed prior to termination will be completed.

7.4 CLSQ may terminate with 30 days’ written notice if deemed no longer appropriate.

7.5 CLSQ may suspend Services if You fail to provide necessary information.

8. Notices and General

8.1 All notices from You to CLSQ must be emailed to compliance@clsq.com.

8.2 Notices from CLSQ will be displayed on the Site or sent in writing.

8.3 CLSQ may assign obligations under these Terms.

8.4 CLSQ may use contractors or third parties to provide Services.

8.5 You cannot assign Your obligations without CLSQ’s consent.

8.6 Nothing in these Terms creates a partnership or agency.

8.7 References to legislation include amendments and re-enactments.

8.8 No third party has rights to enforce these Terms.

8.9 Headings are for convenience only.

8.10 These Terms are governed by English law, and disputes will be subject to the courts of England and Wales. Parties must attempt ADR before litigation.

9. Cookies

9.1 Cookies are used on the Site to enhance functionality.

9.2 More information: What Are Cookies | Manage/Delete Cookies

10. Complaints Procedure

10.1 Complaints should be addressed to:

10.2 Complaints will be acknowledged within 5 working days. A response will be provided within 20 working days where possible.

10.2.1 If unresolved after 40 working days, You may refer to the Financial Ombudsman Service (FOS):
Exchange Tower, Harbour Exchange Square, London, E14 9SR
Tel: 0800 023 4567
www.financial-ombudsman.org.uk

10.3 If referred to FOS, CLSQ may need to share information about Your case unless You object.

10.4 Complaints relating to third-party Suppliers will be passed to them for investigation.

Full CLSQ Complaints Procedure

11. Data Protection

11.1 Definitions:

  • “Controller” means the person determining purposes and means of processing Personal Data.
  • “Data Protection Law” means applicable statutes and regulations regarding Personal Data.
  • “Data Subject” means the individual the Personal Data relates to.
  • “Personal Data” means any information relating to the Data Subject.
  • “Personal Data Breach” means unlawful or accidental destruction, loss, or disclosure of Personal Data.

11.2 Both You and CLSQ act as Controllers of the Personal Data processed.

11.3 Each party must:

  • Comply with Data Protection Law.
  • Notify the other party of a Personal Data Breach within 24 hours.
  • Assist the other party in compliance, including security, breaches, data subject rights, and impact assessments.

11.4 Both parties must cooperate to ensure Personal Data is processed lawfully, fairly, and transparently.

11.5 You must obtain necessary consents so that CLSQ can lawfully use/disclose Personal Data provided.

11.6 By placing an order, You give explicit consent for Your information to be passed to CLSQ, its agents, insurers, and authorised bodies, including transfers outside the EEA where data protection laws may be limited.