Financial Protection

1. Our Financial Protection Framework

SEESPORTS LTD operates in compliance with the following package travel regulations, depending on your country of residence:

For all packages in both jurisdictions, customer monies are held in a ring-fenced TTA Client Trust Account, entirely separate from SEESPORTS' general operating funds, and cannot be used for any other purpose.

2. Trust Account Protection

3. Insolvency Protection Policy - Policy Summary for Passengers

This Policy Summary is not a contract of insurance. It outlines the cover provided under the policy. Full policy terms are available on request. Policy reference: TOFI UK/1 2025.

4. What Is Covered

If your Package Travel or Linked Travel Arrangements are cancelled or cut short because SEESPORTS LTD becomes insolvent or has an administrator appointed and is unable to provide agreed services, the following cover applies to all Insured Persons regardless of whether they booked from the UK or Republic of Ireland:

5. What Is Not Covered

6. How to Make a Claim

Notify Sedgwick Claims Management Services as soon as possible, quoting the Policyholder name (SEESPORTS LTD) and the policy reference TOFI UK/1 2025, with full details of what has happened. This process is the same for customers in both the UK and Republic of Ireland.

If you are abroad at the time and require assistance returning to your country of departure, the claims team will arrange support services on your behalf.

7. Your Obligations During a Claim

You and your representatives must:

• Cooperate fully with Sedgwick Claims Management Services and any authorised representative in the investigation, adjustment, and settlement of your claim, including providing all requested documentation such as invoices and receipts
• Take all reasonable care to limit any further loss
• Not enter into any contract or take any action - either before or after a loss - that limits, restricts, waives, or otherwise impairs your right to recover from any party who may be liable for a loss covered under this policy, without prior written permission from the insurer

8. Insurer's Rights During a Claim

The insurer may, at its discretion:

• Take full responsibility for conducting, defending, or settling any claim in your name
• Take any action considered necessary to enforce your rights or their rights under this insurance

Where legally permitted, the insurer is entitled to request that any covered loss is first claimed from your payment card issuer or any other existing insurance policy you hold that may provide cover for such loss. If partial payment is received from those sources, this policy applies in excess of that amount. If such a recovery claim is unsuccessful in whole or in part, the insurer will deal with the remaining claim in line with the terms, conditions, exclusions, and limits of this policy.

9. Fraudulent Claims

If a fraudulent claim is made under this insurance:

• The claim will not be paid
• Any sums already paid in respect of the claim may be required to be returned
• The insurance may be treated as terminated from the time of the fraudulent act, with no cover for any subsequent relevant events and all premiums retained

This condition applies only to the individual who made or attempted to make the fraudulent claim and does not affect the cover of other insured persons on the same booking.

10. Financial Services Compensation Scheme

Liberty Mutual Insurance Europe SE UK Branch is covered by the Financial Services Compensation Scheme (FSCS). You may be entitled to compensation from the FSCS if Liberty Mutual Insurance Europe SE UK Branch is unable to meet its obligations to you under this policy. The level of compensation will depend on the nature of the insurance.

11. Sanctions

No benefit will be provided under this insurance to the extent that providing cover, paying a claim, or delivering any benefit would breach any sanction, prohibition, or restriction imposed by law or regulation. Such suspension continues until the insurer would no longer be exposed to any such sanction, prohibition, or restriction.

12. How to Make a Complaint About This Policy

In the first instance, please contact International Passenger Protection Ltd (IPP). If you remain dissatisfied, you may escalate your complaint in writing or verbally, quoting your policy and/or claim number, to Liberty Mutual Insurance Europe SE using the contacts below.

If your complaint remains unresolved, you may refer it free of charge to the Financial Ombudsman Service. This service is available to eligible customers including those based in the Republic of Ireland where the policy was arranged through a UK-regulated insurer.

As Liberty Mutual Insurance Europe SE is a Luxembourg-regulated insurer, all customers - including those in the Republic of Ireland - may also refer disputes to the following bodies in Luxembourg:

13. Liberty Specialty Markets - Privacy Notice

Liberty Specialty Markets takes the protection of your personal data seriously. The specific company within Liberty Specialty Markets acting as data controller will be the organisation providing the policy as set out in your policy documentation. In order to deliver insurance services, deal with claims and complaints, and prevent and detect fraud, Liberty Specialty Markets will collect and process personal data. This may involve sharing your information with group companies and third parties such as brokers, credit reference agencies, reinsurers, claims handlers, loss adjusters, professional advisors, regulators, or fraud prevention agencies.

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