Rulebook is an award winning pricing, underwriting and distribution platform for the specialty insurance market, offering the only viable alternative to the spreadsheet. Its dynamic rules engine is capable of embracing pricing models across all major classes of business.
Whether you’re pricing, underwriting or distributing, we’ve changed the rules to give you a competitive edge. Use Rulebook merely as an internal solution to demonstrate pricing control, or reach out to your distribution partners with a modern solution for efficient trading via web portals.
Alternatively, integrate your products directly with your distribution partners with Sequel Rulebook Hub.
Price
Underwrite
Distribute
Sequel offer innovative service oriented solutions, built to leverage the scale and robustness of the Microsoft stack.
We always prefer open standards in web technology and services, including HTML5 and Mobile technology.
Applications are built in a hosting-agnostic way so they can be supported in our secure geo-centric cloud or on-premise within your own estate.
Sequel Managed Services
A fully hosted cloud-based alternative
If you’d prefer a fixed price, internet-enabled solution, with no need for your own in-house support, our Managed Service offers you secure access to the Sequel application of your choice. We manage all the maintenance and upgrading of the required hardware, software and infrastructure, so you can concentrate on simply growing your business.
Sequel’s corporate headquarters are located at:
Level 14, The Broadgate Tower
Primrose Street
London EC2A 2EW
T: 020 7655 3000
Sequel Business Solutions and our subsidiaries and affiliates (“Sequel” or “we”) respect your preferences concerning the collection and use of your personal data. Our goal is to deliver content targeted to the industry you work in, the products you use, the role you play in your organisation, and your specific preferences. In order to provide you with relevant information, fulfill your specific requests, and enhance your experience across our Web site, we will at times request personal information from you. The information collected and how it is used will vary across the site. This policy is our way of letting you know how we collect information, what we collect it for, and what choices you may have.
We are a global organisation, and have developed global information practices to assure your personal data are appropriately protected. While our primary data centers are in the UK, we will transfer information provided by customers to the appropriate Sequel office, distributor, or consultant to deliver the service or information requested by the customer. In order to provide service in a timely, cost effective and efficient manner, information provided to Sequel may be made available to authorised Sequel users across our global offices that require access to the information for business purposes.
Sequel also provides links to non-Sequel sites we believe may be of interest to you. These sites are provided as a convenience and are beyond our control. You are advised to check the privacy policies of those sites before providing your personal information to them.
Note: www.sequel.com is the main gateway to Sequel Business Solutions on the Web, containing the general privacy policy for www.sequel.com. Because we have tried to simplify your access to our privacy policy, this policy describes the potential use of visitor information throughout the Sequel.com Web site. Parts of the site may make far less use of personal information than we have outlined in the policy, but we wanted to provide you with an inclusive statement of our practices.
1. Types of Data Collection:
Sequel collects data from users in four main ways.
Registration screens and online forms
Sales inquiries
In e-mails sent to Sequel from users
Through automated means such as communications protocols and cookies
Sequel may receive data from you as part of the communication connection itself – the standard electronic greeting between your computer, the network, and our servers. This information often consists of network routing (where you came from), equipment information (browser type), date and time. At this time our server will also query your computer to see if there are cookies(1) previously set by sequel.com to facilitate log in or other site navigation procedures.
Browsers provide you with information and control over cookies. You can set your Web browser to alert you when a cookie is being used. You can also get information on the duration of the cookie, and to learn what server your information is being returned to you.
In order to provide maximum site utility, Sequel also uses a tracking technique that uses embedded URLs to allow use of the site without cookies. Embedded URLs(2) manifest themselves as plain text or encoded extensions to the URL that appears in the browser address or location toolbar. This technology allows limited information to follow you as you navigate the site, but is not identified to personal information and is not used beyond the session. While this increases your ability to surf the site, it does not replace the functionality or streamlining of cookies and may limit your use of many convenience features offered by the site.
In an effort to provide users with the most relevant Web site content and marketing materials, we may also use embedded pixel technologies to help track site usage and marketing campaign responsiveness. On the Web site, these technologies are used on selected pages for the purposes of identifying unique user visits as opposed to aggregate hits. The site usage information collected by these technologies is associated with cookies and may provide personally identifiable information about site use by registered users of www.sequel.com. This information is used to evaluate site content, navigability and composition as well as page response rates. When these technologies are used in e-mails, they provide information on when the e-mail was opened. In e-mails, these technologies are used to evaluate marketing campaign relevance to the user and to update marketing lists.
2. The data we collect and how we use it:
Sequel collects information from users for the following purposes:
To engage in transactions or communications. Name, address, e-mail, purchase details may be collected and stored as part of the transaction history. The majority of the information collected under this category is business contact information. Sequel may need to share some of this information with delivery services and other similarly situated third parties that are required to accomplish the transaction.
To provide future service and support. Information collected for this purpose is both contact information and information related to products and service/support requested. This information is also used to provide service, product update, and similar notices.
To select content. Information may be collected to help create Web site content and navigation that is most relevant and user friendly. This includes information collected as a result of site navigation as well as information provided in forms.
To respond to user inquiries and requests for information. This information includes registrations for newsletters and specific requests for further information.
To provide various Sequel communities, such as partners, with relevant product alerts and updates. These updates are related to product releases, prices, terms, special offers and associated campaigns. This information is sent out as part of the partner signing up for the relevant program or online account and is not subject to general opt-out.
To better tailor marketing to user needs. We may use information from purchases and requirements to provide you with timely and pertinent notices of product releases and service developments that address your needs and requirements. Marketing notices are subject to the general opt-out elections.
To better respond to requests for service or quotes for product and equipment purchase. Sequel will pass contact information to the appropriate Sequel sales person, distributor, reseller, or consultant for follow-up related to your request. Sequel may also ask if you wish to have your contact information shared with other selected partners that offer complementary products or services related to your inquiry. If you agree, information is provided to those partners for purpose of responding to your request for service or information. Please review the privacy policy of the specific partner regarding any further interactions with them.
To provide information on educational events or relevant partner products. We occasionally co-sponsor events with partners that provide services of potential benefit to Sequel users. We may provide information on such events and services to users that have provided information indicating interest in the subject matter or service. To help assure respect of your information, we maintain control of the information or limit the use of the information by these partners.
To power joint sales or product promotions. Sequel and its partners may engage in joint events or provide bundled products. Such promotions will always reference the partners involved(3). Both Sequel and the partner(s) will have access to that information. While we carefully choose our partners, privacy is a very subjective concern and we advise you to review the privacy policies of these partners.
As a result of your registration for/attendance at a Sequel conference or event. Those existing customers or registered sequel.com users, that sign up for such a conference or event, may be contacted prior to the event to see if any meetings, special demonstrations or other customer facilitation may be provided. This contact is in addition to any contact that may be required to confirm payment or provide logistical information and updates related to the conference. Attendees of such events may also be contacted after the event to see if any further information is required or follow up is appropriate. This information will be used only by Sequel or by designated partners and will not be released to other third parties. To help assure respect of your information we maintain central control of the information and require that use of the information by these partners is limited to that which is expressly relevant to your profile. Please consult the supplemental privacy statement on the specific conference site for more detailed information.
As a result of your participation in interactive discussions and public forums. There are parts of the Web site that permit users to participate in interactive discussions. Some of these are moderated; all are subject to access for technical reasons. Sequel does not control the content that users post and some may serve as public discussion fora. As in all interactive fora open to many users, you should carefully consider whether you wish to submit personally identifiable information.
To address performance and fix issues. On occasion, patches and other fixes to software, such as security patches addressing newly discovered vulnerabilities, are developed by Sequel. We may communicate the availability of these patches or fixes to registered owners of software and parties who have identified themselves to us as users or developers. These communications will not contain marketing messages and will not be subject to general opt-out elections, due to the potential importance of these patches and fixes.
As a result of legal requirements. Sequel may be required to provide personally identifiable information to comply with legally mandated reporting, disclosure or other legal process requirements.
3. Customisation, Preferences and Opt-Out:
Sequel allows visitors to self-select into communities, through the registration process, as a way to provide initial customisation to the Sequel Web site. There are also plans to provide more control over preferences and information delivery in the registration process.
Communications Choices. Sequel recognises that users may not wish to be contacted about new or related products. Sequel.com allows you to opt-out of e-mail marketing that may result from use of the site. These choices may be made as part of the registration process or from links in marketing mailings.
Third Party Opt-in Lists. On occasion, Sequel may use a third party opt-in list. These are lists maintained by third parties that have received permission (opt-ins) from their users to receive e-mails from other companies, such as Sequel. We do not have access to the names on these lists as the third party that has the direct relationship with customer maintains the list and the opt-outs, removes, and unsubscribes to those lists. We request from the list owners that we use to identify themselves as the mailers of the e-mail and provide appropriate opt-out mechanisms. While we advise users to avail themselves of the opt-out functionality provided in the particular e-mail, should users have trouble opting out, or should they wish to make us aware of any issues related to the mailing, they may contact us directly at any of the addresses provided below.
Information-Sharing Choices. Sequel only shares information with selected companies after providing users with an ability to either opt-out of or opt-in to the sharing. There are limitations to such opt-outs/opt-ins: in the case of joint sale or joint events where the information goes to both Sequel and the other party at the same time, where the customer has requested follow up which involves Sequel partners. There may also be some cases of sharing by definition of the service – for example posting comments to a bulletin board or posting an opportunity to an exchange – that provides that information to all users. Other cases may include attendance at educational or conference events where third parties and Sequel partners may be involved in providing services or sponsorship of a conference, seminar, training session, or event. As we further develop our preference tools we will endeavor to have our partners join in their use to provide the user with a more seamless and streamlined environment.
4. Access:
While the majority of questions and issues related to access can be handled quickly, a few complex requests may take more research and time. In such cases, access issues will either be addressed within thirty days or you will be contacted as to the nature of the problem and appropriate next steps.
5. Advertising:
Sequel permits a limited amount of sponsorships and advertisements on its Web sites. No personally identifiable information is passed back to the advertisers as part of this process, but aggregate profile information, such as user community, may be used in the selection of advertising to make sure that it has relevance to the user. On some banner ads an embedded pixel may be present, and while it does not associate with a cookie or other personal profile information, it may return session connection information that allows advertisers to better determine how many individual users have clicked on the ad banner. The privacy practices of advertisers, like other external links, are beyond the control of Sequel and you should review the privacy policy of any associated site before providing any personal information.
The privacy practices of advertisers, like other external links, are beyond the control of Sequel and you should review the privacy policy of any associated site before providing any personal information.
6. Security:
Sequel is concerned with the security of the personally identifiable information we have collected and has in place reasonable measures to prevent unauthorised access to that information. These measures include – policies, procedures, and technical elements relating to data access controls. In addition, Sequel uses standard security protocols and mechanisms to exchange the transmission of sensitive data.
7. Compliance Issues:
Should you believe your personal information has been used in a way that is not consistent with this policy or your stated preferences, or should you have further questions related to this policy, please contact us.
8. Policy Updates:
If we are going to use your personally identifiable information in a manner different from that stated at the time of collection we will notify you via email. You will have a choice as to whether or not we use your information in this different manner. In addition, if we make any material changes in our privacy practices that do not affect user information already stored in our database, we will post a prominent notice on this Web site notifying users of the change. In some cases where we post the notice we will also email users, who have opted to receive communications from us, notifying them of the changes in our privacy practices.
We may update this policy from time to time to describe how new site features affect our use of your information and to let you know of new control and preference features that we provide you.
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(1). A cookie is a small piece of information sent by a Web server to store on a Web browser so it can later be read back from that browser.
(2). A URL is a Uniform Resource Locator, a standard way developed to specify the location of a resource available electronically. URLs make it possible to direct both people and software applications to a variety of information, available from a number of different Internet protocols.
(3). Examples could include: joint seminars and sales promotions, jointly developed products and joint announcements.
Welcome to the Sequel Web Site (the “Site”). By using the Site, you agree to follow and be bound by the following terms and conditions concerning your use of the Site (“Terms of Reference”) and our Privacy Policy. We may revise the Terms of Reference and Privacy Policy at any time without notice to you.
Areas of the Site may have different terms of use posted. If there is a conflict between the Terms of Reference and the terms of use posted for a specific area of the Site, the latter shall have precedence with respect to your use of that area of the Site.
1. Use of Web Site Information
You may download, view, copy and print documents and graphics incorporated in these documents (the “Documents”) from the Site subject to the following: (a) the Documents may be used solely for personal, informational, non-commercial purposes; and (b) the Documents may not be modified or altered in any way. Except where your use constitutes “fair use” under copyright law, you may not otherwise use, download, upload, copy, print, display, perform, reproduce, publish, license, post, transmit or distribute any information from this Web site in whole or in part without the express authorisation of Sequel.
2. Use of Software
Any use of software and accompanying documentation you download from the Site is subject to the terms of a software license agreement between you and Sequel. You must read the license agreement and indicate your agreement to its terms prior to installing or using the software. All rights, title and interest not expressly granted are reserved.
3. Use of Forums and Public Communication
“Forum” means a discussion group, chat area, bulletin board, news group, letter to Sequel, its webmaster or employees, or e-mail function offered as part of the Site. You agree not to upload, email, post, publish or otherwise transmit through a Forum any content that: (a) is false or misleading; (b) is defamatory; (c) is harassing or invades another’s privacy, or promotes bigotry, racism, hatred or harm against any group or individual; (d) is obscene; (e) infringes another’s rights, including but not limited to intellectual property rights; (f) constitutes unsolicited bulk e-mail, “junk mail,” “spam” or chain letters; or (g) violates any applicable laws or regulations.
Forums shall be used in a non-commercial manner only. You shall not distribute or otherwise publish any content containing a solicitation of funds, promotion, advertising, solicitation for goods or services, or other commercial matter. You agree not to solicit other users of the Site to use or join or become members of any commercial online or offline service or other organisation. Except where expressly authorised by Sequel, you agree not to collect or store personal data about other users.
By uploading, emailing, posting, publishing or otherwise transmitting content to any Forum or submitting any content to Sequel, you automatically grant (or warrant that the owner of such rights has expressly granted) Sequel a perpetual, royalty-free, irrevocable, nonexclusive right and license to use, reproduce, modify, adapt, publish, transmit and distribute such content on in any form, medium, or technology now known or later developed. In addition, you warrant that all so-called moral rights in the content have been waived.
4. Passwords and Security
You are responsible for maintaining the confidentiality of any password(s) you are given to access the Site, and are fully responsible for all activities that occur under your password(s). You agree to notify Sequel immediately of any unauthorised use of your password(s).
Sequel is concerned about the security of personal information we have collected from you and has taken reasonable steps to prevent unauthorised access to that information.
5. Termination of Use
You agree that Sequel may, in its sole discretion, at any time terminate your access to the Site and any account(s) you may have in connection with the Site. Access to the Site may be monitored by Sequel.
6. Third Party Web Sites, Content, Products and Services
The Site provides links to Web sites and access to content, products and services from third parties, including users, advertisers, affiliates and sponsors of the Site. You agree that Sequel is not responsible for the availability of, and content provided on, third party Web sites. You should refer to the policies posted by other Web sites regarding privacy and other topics before you use them. You agree that Sequel is not responsible for third party content accessible through the Site, including opinions, advice, statements and advertisements, and understand that you bear all risks associated with the use of such content. If you choose to purchase any products or services from a third party, your relationship is directly with the third party. You agree that Sequel is not responsible for: (a) the quality of third party products or services; and (b) fulfilling any of the terms of your agreement with the seller, including delivery of products or services and warranty obligations related to purchased products or services. You agree that Sequel is not responsible for any loss or damage of any sort you may incur from dealing with any third party.
7. Disclaimer
Except where expressly provided otherwise, the site, and all content, materials, information, software, products and services provided on the site, are provided on an “as is” and “as available” basis. Sequel expressly disclaims all warranties of any kind, whether express or implied, including, but not limited to, the implied warranties of merchantability, fitness for a particular purpose and non-infringement. sequel makes no warranty that: (a) the site will meet your requirements; (b) the site will be available on an uninterrupted, timely, secure, or error-free basis; (c) the results that may be obtained from the use of the site or any services offered through the site will be accurate or reliable; or (d) the quality of any products, services, information, or other material purchased or obtained by you through the site will meet your expectations.
Any content, materials, information or software downloaded or otherwise obtained through the use of the site is done at your own discretion and risk. Sequel shall have no responsibility for any damage to your computer system or loss of data that results from the download of any content, materials, information or software.
Sequel reserves the right to make changes or updates to the site at any time without notice.
8. Limitation of Liability
In no event shall sequel be liable for any direct, indirect, incidental, special or consequential damages, or damages for loss of profits, revenue, data or use, incurred by you or any third party, whether in an action in contract or tort, arising from your access to, or use of, the site.
Some jurisdictions do not allow the limitation or exclusion of liability. Accordingly, some of the above limitations may not apply to you.
9. Indemnity
You agree to defend, indemnify and hold harmless Sequel, its officers, directors, employees and agents from and against any and all claims, liabilities, damages, losses or expenses, including reasonable solicitors’ fees and costs, arising out of or in any way connected with your access to or use of the Site.
10. Privacy Policy
Sequel is concerned about your privacy and has developed a policy to address privacy concerns.
11. Note About Children
Minors are not eligible to use the Site, and we ask that they do not submit any personal information to us.
12. Export Restrictions/Legal Compliance
You may not access, download, use or export the Site, or the content, software, products or services provided on the Site in violation of U.K. export laws or regulations, or in violation of any other applicable laws or regulations. You agree to comply with all export laws and restrictions and regulations of any United Kingdom or foreign agency or authority, and not to directly or indirectly provide or otherwise make available the services and products of Sequel in violation of any such restrictions, laws or regulations, or without all necessary approvals, including, without limitation, for the development, design, manufacture or production of nuclear, chemical or biological weapons of mass destruction. As applicable, you shall obtain and bear all expenses relating to any necessary licenses and/or exemptions with respect to your own use of the services of Sequel outside the U.K.
Neither the services of Sequel nor the underlying information or technology may be downloaded or otherwise provided or made available, either directly or indirectly, (i) into Cuba, Iran, Iraq, Libya, North Korea, Sudan, Syria or any other country subject to U.K. trade sanctions, to individuals or entities controlled by such countries, or to nationals or residents of such countries other than nationals who are lawfully admitted permanent residents of countries not subject to such sanctions; or (ii) to anyone on the U.K. Treasury Department’s list of Specially Designated Nationals and Blocked Persons or the U.K. Commerce Department’s Table of Denial Orders. By agreeing to these Terms and Conditions of Use, you agree to the foregoing and represents and warrants that you are not located in, under the control of, or a national or resident of any such country or on any such list.
13. Applicable Laws
All matters relating to your access to, and use of, the Site shall be governed by U.K. law. Any legal action or proceeding relating to your access to, or use of, the Site shall be instituted in a U.K. court. You and Sequel agree to submit to the jurisdiction of, and agree that venue is proper in, these courts in any such legal action or proceeding.
14. Copyright/Trademark Information
Copyright 2016, Sequel Business Solutions. All rights reserved.
Sequel is a registered trademark of Sequel Business Solutions. Other names appearing on the Site may be trademarks of their respective owners.
In common with standard industry practice, Sequel Business Solutions Ltd uses cookies to track site usage. A cookie is a small text file containing a unique identification number that is placed on the hard disk of your computer by a Web page server, enabling the Web server to identify your web browser and passively track its activities on that website. A cookie does not reveal any personally identifiable information that you have not otherwise disclosed. Cookies do not contain any executable code and cannot be used for infecting your computer with a virus. Most Web browsers automatically accept cookies but usually provide the option of configuring your browser to accept all cookies, reject all cookies, or notify you when a cookie is sent. You can change your settings in the preferences or options menu of your browser. If you choose to decline cookies, certain features of our Services may not be available to you.
Some parts of the Sequel site use cookies to collect information about visitors’ use of the Web site and to facilitate return visits. The information collected from cookies is tracked to enhance security and to improve the functionality of the Web site by avoiding duplicate data entry, facilitating navigation, and increasing the relevance of content. Cookies on the site may collect the following information: a unique identifier, user preferences and profile information used to personalise the content that is shown, and membership information to access Sequel’s online communities. Some cookies used by sequel.com may remain on the user’s computer after they leave the Web site, but the majority are set to expire within 30 – 365 days(1). Cookies also serve as a convenience to users by creating a more streamlined login process. In the future, as we enable further customisation of the site, cookies will help in assuring that information provided to you will be the most relevant to your needs.
You then have the opportunity to accept or reject the cookie. Additionally, you may set your browser to refuse all cookies or accept only cookies returned to the originating servers. Users may generally disable the cookie feature on their browser without affecting their ability to use the site, except in some cases where cookies are used as an essential security feature necessary for transaction completion.
(1). If you set your browser to alert you to cookies being placed, a prompt screen requesting acceptance will describe information about the cookie, its duration, and the server it is being returned to.
