Terms and Conditions of Use and Privacy Policy

1. Introduction

1.1 Introduction This website contains information and advertising intended for a UK audience.

1.2 Disclaimer of Liability Your use of this website is entirely at your own risk, for which we shall not be liable. While we strive to provide accurate and up-to-date information, we cannot in any way guarantee the accuracy, completeness, or suitability of the content. Although we aspire to ensure inaccuracies are corrected, information published on this website relating to services offered, industry regulations, financial and legal aspects, specifications, performance, availability, pricing (or any other aspect) may no longer be accurate or applicable. Information could well contain errors, fictional events, fabricated stories, and other inaccuracies. You acknowledge that such information may contain inaccuracies or errors and we expressly exclude liability for any such inaccuracies or errors to the fullest extent permitted by law. The information presented on this website does not constitute recommendations or advice of any financial, professional or practical nature. We take no responsibility or liability for any subsequent decisions made, actions taken or contractual obligations entered into based on information contained within this website. This website contains advertisement links out to external websites and embedded forms via widgets which are also owned, controlled and governed by our affiliate partners. The operators of this website offer no product or service themselves and have no responsibility for any quotation, product or service offered via these partners. Any queries, issues, disputes or other matters should be directed towards the relevant supplier and it is your own responsibility to ensure that any providers, services or information available or linked to via this website meet your specific requirements.

1.3 Professional Advice For specific advice tailored to your individual circumstances, it is strongly recommended to consult with qualified professionals or other relevant independent specialists

1.4 Acceptance of Terms By accessing and using this website, you agree to be bound by these Terms and Conditions. If you do not agree to these terms, please refrain from using this website.

1.5 Changes to Terms These Terms and Conditions are subject to modification at any time without prior notice. Please review periodically for any changes.

2. Website Use

You agree to use this website in a lawful, ethical, and respectful manner. Unauthorised use of this website may give rise to a claim for damages and/or be a criminal offence. You shall not:

Use this website to engage in any illegal or harmful activities.
Post or transmit any content that is defamatory, offensive, or infringing upon the rights of others.
Interfere with the website’s functionality or security.
Attempt to gain unauthorised access to any part of the website or its systems.

3. Intellectual Property

3.1 Ownership The content on this website, including but not limited to text, images, logos, and trademarks, is protected by copyright and other intellectual property laws.

3.2 License You are granted a limited, non-exclusive, non-transferable license to access and use the content on this website for personal, non-commercial purposes only. You may not reproduce, distribute, modify, or create derivative works of the content without our prior written consent.

4. Commercial Disclosure

4.1 Affiliate Marketing This website may contain sponsored links, affiliate banners, buttons, widgets or quotation forms, typically served through our commercial partners. Commission may be paid out if the user goes on to receive quotation(s), enter a financial agreement, or purchase a product after visiting this website. Wherever possible these will be appended with an asterisk (*) and marked as ‘Partner Offers’ with a link in the footer of the page where more information can be found. Engaging with any such adverts may send the user to the advertisers website through a referral program. As part of this referral program, cookies and personally identifiable information may be used and collected by partners – not by the operators of this website. Please refer and agree to the specific privacy policies of Awin Ltd, Leads Do Work Ltd, Bark Global Limited, QuoteSearcher Limited, Carmoola Limited (and any other such third-parties that may advertise via or be connected with this website) before using their services or clicking any external links. Partner offers include: 1) An insurance comparison service provided by QuoteSearcher Limited who are authorised and regulated by The Financial Conduct Authority. Their registration number is 504796 and their permitted business is insurance mediation. This can be checked by clicking here. By using the QuoteSearcher service you are agreeing to their privacy policy and terms which can be checked by clicking here. Once details are submitted to QuoteSearcher, their broker partners will call back with one or more quotes for consideration. Their company registration number is 05387593 and 8 Waldegrave Road, Teddington, Middlesex, TW11 8GT is their registered office address; 2) A finance service provided by Carmoola Limited which is registered in England & Wales (Registered No. 12992987) at First Floor, 1 Whittlebury Mews West, Primrose Hill, London, NW1 8HS. Carmoola Limited is authorised and regulated by the Financial Conduct Authority (Firm Reference Number: 958057).

4.2 Product Liability We are not responsible for the quality, safety, appropriateness, or performance of any products or services advertised or sold through affiliate partner offers. The operators of this website offer no product or service themselves and have no responsibility for any quotation, product or service offered via these partners. Any queries, issues, disputes, claims or other matters should be directed towards the relevant supplier and it is your own responsibility to ensure that any providers, services or information available or linked to via this website meet your specific requirements.

5. Privacy Policy

This Privacy Policy outlines how personal information is collected and used when visiting this website. This website is not to be accessed by visitors from outside the UK.

5.1. Information Collected

The following types of personal information may be collected:

Personal Information: This includes information provided directly, such as a name, email address, and other contact details.
Usage Data: Anonymous usage data may include IP address, browser type, device information, and browsing activities.
Cookie Data: Cookies and similar technologies may be used to collect information about browsing behaviour.

5.2. How Information Is Used

Website Improvement: provide anonymous insight into user experience
Communication: process your requests and inquiries
Tracking: assist with affiliate tracking via commercial partners
Legal: if required to do so by law enforcement agencies
Email Marketing: no email addresses are collected or used by the website operators for marketing purposes- please refer to our commercial partners for their specific privacy policy

5.3. Sharing Your Information

Anonymised personal data may be shared with third-party service providers who assist in operating this website and provide partner services. If necessary, information may be shared with law enforcement or other authorities as required by law.

5.4. Data Security

Appropriate technical measures are in place to protect any personal information collected from unauthorised access, use, disclosure or alteration.

5.5 Your Rights

You have certain rights regarding your personal information, including:

Right to Access: You have the right to request access to your personal information.
Right to Rectification: You have the right to request the rectification of inaccurate or incomplete personal information.
Right to Erasure: You have the right to request the erasure of your personal information.
Right to Restriction of Processing: You have the right to request the restriction of processing of your personal information.
Right to Data Portability: You have the right to receive your personal information in a structured, commonly used, and machine-readable format.
Right to Object: You have the right to object to the processing of your personal information.

5.6. Cookies and Tracking Technologies

By default, website comments, user registration, third-party display advertising have all been disabled on this website. However, this website may use essential cookies to improve user experience, track anonymous usage data and to aid in tracking commercial partner offers.

Depending on how this website is accessed, typically only essential cookies are set by default. These may be labelled as ‘wp_lang’ (which stores chosen or default language preference for a seamless browsing experience), ‘wordpress_test_cookie,’ (a basic cookie used to ensure your browser’s ability to handle cookies appropriately) and / or ‘wpEmoji’ (a basic cookie used to determine if a browser supports emoji characters – none of which are used at the time of last update). None of these essential cookies collect or store any personally identifiable information.

As the content management system regularly updates to provide security and user experience upgrades, different cookies may be set depending on user location, device, time and other variables. Websites such as Cookie Eyes provide a free online tool to check which cookies are being set. At the time of the last update to this policy, only one cookie was shown to be actively set, namely the wpEmoji cookie referenced above.

When interacting with a third-party widget on this website, or clicking an external link, cookies may be used by our commercial partners to track if a user has taken an action after leaving this website, or filled in a third-party form via this website. We may not have control over, or access to, third-party cookies or the information they contain so please check the cookie policy directly with any third-parties when entering information into a widget or visiting a link away from this website.

Cookie preferences can be managed via browser settings and can be blocked if required. Website access may be restricted and user experience affected if all cookies are disabled.

This website may use Matomo Analytics to monitor visitor numbers, entrance paths and behaviour. This software has been set to not use cookies. IP addresses have also been set to anonymise, protecting visitor privacy. Anonymised data is stored privately on the same UK server as this website, and is not used for marketing or any other harvesting. No specific personally identifiable data is tracked.

5.7. Embedded Content

This site may include embedded partner content e.g. widgets. forms, maps, videos, images, external links etc. Embedded content from other websites typically behaves in the same way as if the visitor has visited the external website which hosts this technology independently. These third-party websites may collect personal data, use cookies, embed additional third-party tracking, and monitor interaction with that embedded content, including tracking any interaction with the embedded content for users logged in to that website. Please visit the privacy policy of the third-party (such as Google) to check what data they may be collecting and cookies they may be setting independently of this website.

5.8. External Website Interaction

Users are advised to adopt a policy of caution before clicking any external web links or entering personal information into widgets provided by commercial partners. We cannot be held responsible for the content or privacy policies of third parties.

5.9. Changes to This Privacy Policy

This Privacy Policy is subject to modification at any time without prior notice. Please review periodically for any changes.

6. Contact Information

Please note, this website does not provide any quotation, product or any other service to users, and cannot give any recommendations or advice. Please contact the relevant partner directly with any queries you may have. For other queries, or for any questions or concerns about these Terms and Conditions and Privacy Policy, please click here to send an email.

7. Indemnification

You agree to indemnify and hold harmless the operators of this website, and its affiliates, officers, directors, employees, and agents from and against any and all claims, liabilities, damages, losses, costs, and expenses, including reasonable legal fees, arising out of or in connection with your use of the website or violation of these Terms and Conditions.

8. Dispute Resolution

Any dispute arising out of or in connection with these Terms and Conditions shall be governed by the laws of England, Wales and Scotland. The UK courts shall have exclusive jurisdiction over such disputes.

9. Force Majeure

The operators of this website shall not be liable for any failure or delay in performance due to causes beyond its reasonable control, including but not limited to acts of God, war, terrorism, riots, civil disturbances, strikes, lockouts, or other labour disputes, fires, floods, earthquakes, or other natural disasters, or interruptions in telecommunications or internet services.

10. Severability

If any provision of these Terms and Conditions is found to be invalid or unenforceable, such provision shall be struck out, and the remaining provisions shall remain in full force and effect.

11. Disclaimer of Warranties

11.1 Disclaimer The website is provided “as is” without any warranties, express or implied, including but not limited to warranties of merchantability, fitness for a particular purpose, or non-infringement.

11.2 Limitation of Liability To the fullest extent permitted by law, the website operators shall not be liable for any direct, indirect, incidental, special, or consequential damages arising out of or in connection with the use of this website or its content.

12. Entire Agreement

These Terms and Conditions constitute the entire agreement regarding your use of the website and supersede all prior or contemporaneous communications, representations, or agreements, whether oral or written.

v.2.3 Last updated: 2 January 2025.

End of Terms and Conditions of Use and Privacy Policy