Terms of engagement
These terms apply when you enquire through this website or when we confirm a Claims Trend Review, fraud briefing, cohort read, reserve study, or committee pack in writing. They are written for professional buyers of claims analysis, not for consumer checkout.
Acceptance
A scoping call is not a contract. A contract starts when we send a confirmation naming the engagement, fee, extract date, and briefing window, and you accept in writing (email is enough). If your purchasing terms conflict with these pages, the confirmation email prevails on fee and scope; these terms prevail on liability and law unless we sign a separate deed.
The work
We provide written briefings, charts, and discussions. We do not provide insurance, claims handling, legal advice, appointed actuarial opinions, or investigation services. Charts are interpretations of the extract you supply. If the extract is wrong, the charts will be wrong in the same places.
Your extract
You warrant that you may lawfully send the extract and any sample files. You remain the controller of personal data in those files unless a written addendum says otherwise. You will minimise identifiers. We may refuse an extract that includes unnecessary medical reports or unredacted policyholder contact details.
Intellectual property
You own your data. We own our methods, templates, and the uncustomised structure of our packs. On payment of the invoices that relate to a named engagement, you receive a licence to use that pack inside your organisation, including with your appointed actuary and solicitors, but not to resell it or publish it as if it were yours without our charts attributed. Journal articles on this site remain ours.
Confidentiality
Cluster notes and file samples stay off this website. We will not name your organisation in marketing without consent. We may describe a pattern in general terms in the journal if it cannot identify you or a policyholder.
Liability
Our liability for a given engagement is limited to the fees paid for that engagement in the twelve months before the claim, except for death or personal injury caused by negligence, fraud, or any liability that English and Scottish law do not allow us to limit. We are not liable for decisions you take on rates, reserves, referrals, or employment after reading a pack. We are not liable for delay caused by a late or unusable extract.
Website
This site is information only. Forms post to a demonstration endpoint and do not create a contract. Do not send special category data through the public form.
Governing law
These terms are governed by the laws of the United Kingdom as they apply in Scotland, where our office sits, and the courts of Scotland have non-exclusive jurisdiction. If your registered office is in England or Wales we will, on request, confirm English law and the courts of England and Wales for that engagement in the confirmation email.
Contact
System Routeline, 93 St Andrews Lane, Dail Mor, HS2 0QE, United Kingdom. hello@system-routeline.click. 07089858746.