Deronda Works Ltd
Terms of use
These cover using the Everyone Knows Roscoe website and application. Where an employer has a signed agreement with us, that agreement governs the service and these terms fill the gaps rather than override it.
About Roscoe
Roscoe helps you understand and manage your benefits. Roscoe is not an insurer, not an insurance broker, and not an adviser. We do not place cover, we do not underwrite, and nothing in the product is advice — insurance, medical or financial.
Your cover is with your insurer, arranged by your broker. Its terms are theirs. Where Roscoe describes your cover it is summarising the policy for readability, and where the two differ the policy wins. If a decision matters, check the policy document or ask your broker.
Claim guidance and submissions
Roscoe can explain the insurer’s claiming process. For some policies, an approved submission route may also let you prepare and confirm a private claim handoff to the insurer. Asking a question or saving a draft does not notify the insurer. A confirmed submission has its own delivery status and is not an insurer acknowledgement, coverage decision or payment. If the route is unavailable, follow your insurer’s published process and deadlines.
The assistant
Where an employer has it switched on, the member assistant answers questions about that member’s own cover, from that member’s own record. It does not give medical or financial advice, and where a question needs a person it says so and hands over. Answers are generated and can be wrong; they do not vary the policy, and nothing it says creates cover that the policy does not. Every exchange is logged.
Your account
Access is by invitation from your employer or ours. Keep your password to yourself and tell us if you think someone else has it. Do not try to reach records that are not yours — the boundaries are enforced in the database and attempts are logged. We may suspend an account that is being used to do that.
An employer can end a person’s access when they leave. Records of who was covered and when are kept, because a renewal and a late claim both depend on them.
What we undertake, and what we do not
We will run the service with reasonable skill and care, keep the boundaries described in the privacy notice enforced in the database, and tell an affected customer promptly if something goes wrong that matters.
We do not promise uninterrupted availability. Roscoe runs on third-party infrastructure and depends on data your broker and insurer supply; a figure in Roscoe is only as current as what was reported to it. Nothing here limits liability for death or personal injury caused by negligence, for fraud, or for anything else that cannot lawfully be limited. Where an employer has a signed agreement, the liability terms in it apply.
Our material
The software, the writing and the design are ours. The data an employer puts in remains the employer’s, and they can have an export of it at any time — there is a button for that, not a support ticket.
Law
These terms are governed by the law of England and Wales, and the courts of England and Wales have exclusive jurisdiction.
Contact
Deronda Works Ltd — hello@deronda.works. For anything about data, privacy@deronda.works.