Terms And Conditions

 

* PLEASE NOTE THE SERVICE WE PROVIDE IS ENTIRLEY FREE OF CHARGE *

Terms & Conditions

These Terms (together with the documents referred to in them) govern the use You may make use of Our Website, www.incomeprotectinsurance.co.uk is owned by QuoteyQuotey.com. The Income Protection Life and Health comparison service is provided by ActiveQuote Health Ltd. ActiveQuote Health Ltd is authorized and regulated by the Financial Services Authority Number 501109.

Please read these terms carefully before You start using Our Website. If You do not agree with these terms; or if You are under 18 (or 17 in the case of motor insurance); or if You are not a UK resident, You must NOT use this Website . By using this Website You are accepting these terms.

If You have any questions about these terms or have a general query, please get in touch. You can find out our contact details by clicking on this link: Contact Us.
INFORMATION ABOUT US AND OUR WEBSITE

QuoteyQuotey.com™ Ltd Company No: 7211106 Data Protection No: z2222710

The Financial Services Authority can be contacted at:
25 The North Colonnade
Canary Wharf
London E14 5HS
Telephone: 0207066 1000
or by visiting their Website http://www.fsa.gov.uk

Our intention is to give an overview of every product or service to which we have access and that is available to You. It is possible that You might find a better deal elsewhere even though We do seek to ensure the information on Our Website and the deals that we are able to negotiate on Your behalf offer You the best value. Whilst we endorse all of the products and service providers available on our site, we cannot offer tailored advice. Should you require tailored advice then please seek independent professional advice.

There are some specific things that You also need to know about some of the services on Our Website before You can use them. These things relate to Insurance Products and Services, Mortgages and Credit Cards,Loans, Travel and Utilities. If You click on these links, You will be taken to the part of these terms which contain some specific Guidance Notes about each of these services. Otherwise, they can be found at the bottom of these terms under the heading Guidance Notes. Please make sure You understand the Guidance Notes relevant to the services that You are interested in. As with the rest of these terms, if You do not agree with them, then do not use this Website.

If any introduction is being made to a financial services company, insurance company or advisor, where appropriate, We will clearly display the identity of the financial services company,insurance company or advisor on Our Website.
ACCESSING OUR WEBSITE AND CONTENT

We will always try to provide You with uninterrupted access to Our Website, but We can not make any promises about this and may terminate, suspend or restrict Your access to Our Website at any time.
OUR WEBSITE CHANGES REGULARLY

We make every reasonable effort to ensure that the content available to You on Our Website is up to date and accurate and for this reason We make changes to Our Website on a daily basis. Accordingly it is generally not possible to notify You about any changes that We make to Our Website.
CHANGES TO THESE TERMS AND CONDITIONS

We may need to amend or change Our terms and conditions from time to time. You will still need to agree to them, so You should regularly check this document when You use Our Website. It is important that You do this because if You keep using Our Website, We will assume that You have agreed to any changes that We have made to Our terms and conditions. These terms and conditions were last updated on 9 June 2008.
INTELLECTUAL PROPERTY RIGHTS

Logos denoting a ™ or the ® are trademarks or registered trade marks of incomeprotectinsurance.co.uk or QuoteyQuotey.com.com Ltd (or its licensors).

QuoteyQuotey.com is Our registered trade mark and You may not use it without Our written permission.

We also own or are the licensee of all intellectual property rights in Our Website. This includes all software We use to run Our Website and all the material published on it. You agree that We make Our intellectual property available to You for Your personal use only. You must not copy, alter, modify, sell, distribute, publish or create a derivative work from any of the materials on Our Website or create any links to it without first obtaining Our written permission.

We will allow You to print off one copy, and download extracts, of any page(s) from Our Website for Your personal use. However if You do this, Our status (and that of any identified contributors) as the authors of material must always be clearly acknowledged.

You retain ownership of all the personal information You submit on Our Website. You grant us a perpetual, world-wide royalty-free licence to use, copy, distribute, publish and transmit such information but always in accordance with Our Privacy Policy (which You can find further down in this document or which You can go to directly by clicking on this link Privacy Policy).
OUR LIABILITY

We use reasonable endeavours to ensure that the data on Our Website is accurate and that Our service is reliable. Like any other business, We try to correct any errors or omissions in Our Website as soon as practicable after being made aware of them. However, We can not provide You with any guarantee about this. We also can not guarantee that Our Website or the data on it will be fault free, uncorrupted or free of viruses which may harm Your computer.

It is important for You to be aware that Our Website also contains a lot of information submitted to us by third parties (that is people or companies other than Us). We do not monitor, verify or endorse information submitted by these third parties for inclusion on Our Website and You should be aware that such information may be inaccurate, incomplete or out of date.

We do not seek to exclude or limit our responsibilities or liability that cannot be limited or excluded under any applicable law. This includes Our liability for things such as fraud, negligence, death or personal injury and also the responsibilities We have under certain legislation such as the Financial Services and Markets Act 2000.

In all other cases, and to the extent that We are permitted to do so by law, We exclude all warranties, terms and representations (whether express or implied) as to the accuracy of any information contained on Our Website. We have no liability to You for, any liability for any loss or income, revenue, business, profits or contract, anticipated savings, data, goodwill or opportunity, direct, indirect or consequential loss or damage incurred by You in connection with Your use, inability to use, or results of the use of Our Website and any materials posted on it or any Websites linked to it.
YOUR LIABILITY

If You use Our Website, it is reasonable for Us to expect that You will adhere to these terms and conditions. If We think You have breached any of these terms and conditions or demonstrated inappropriate conduct when using Our Website, We may take measures to terminate or suspend Your access to the Website. If Your use of Our Website causes Us to suffer any loss or damage, You shall be responsible for reimbursing these costs.
CUSTOMER SERVICE, COMPLAINTS AND CONTACTING US

Our aim is to at all times provide You with an excellent service. However, if You are unhappy with Our service for any reason, please contact Our Customer Services Team (Complaints Handling) at Our address given above, by telephone on 0845 838 2379 or by submitting a complaint.

If You do wish contact us by telephone, Our customer service help line is available Monday to Friday 9.30am to 6.00pm UK Time, all calls will be charged at local rates and Your call to us may be monitored or recorded. This will help us to train Our staff and improve Our service to You. A recording will only be used under proper and careful supervision.

We will endeavour to acknowledge receipt of Your complaint, in writing, within 5 business days and We will inform You of the name or job title of the individual handling the complaint.We may combine the acknowledgement of the complaint with Our final response, but in any event We aim to resolve complaints at the earliest opportunity. If You are unhappy with any product or service that You have been introduced to through our Website, We recommend that You approach the provider of that product or service directly. If You require any provider’s contact details, please contact Our Customer Services Team who will be happy to assist.
TRANSACTIONS CONCLUDED THROUGH OUR WEBSITE

Our Website is entirely free to use. However, Our Website contains links to other sites and resources provided by third parties which may offer You products or services for a fee. We have no control over the contents of those sites or resources, and accept no responsibility for them or for any loss or damage that may arise from Your use of them.

It is up to You whether or not You chose to obtain products or services from third parties through clicking on a link in Our Website to the Website of a third party. However, if You do decide to do this, then You will be leaving Our Website and Your use of any third party website including any payments You may make to them for their products and services will be governed by their terms and conditions of supply and not by these terms. Accordingly we strongly suggest that You also read the terms and conditions of any third party Website that You may access through clicking on a link from Our Website. We remind You that We can not be responsible or liable for the content, advertising, products services or the use You make of any third party Websites.
YOUR PERSONAL INFORMATION AND OUR PRIVACY POLICY

Please read this section carefully. This section explains what information We collect about You, how We collect, use and store it and the circumstances upon which We can provide it to third parties.
Information that We collect from You:

To take advantage of some of the services offered via Our Website You might be required to provide Us with certain information about Yourself. This may include doing things such as registering Your contact details or completing certain forms on Our Website. You may also be asked to provide us with information about Yourself if You wish to participate in any discussion forums, enter any contest or competition on Our Website or if You choose to contact us for any reason.

The nature of Our business is such that We may also on occasion ask You to provide sensitive personal data as defined in the Data Protection Act 1998 (for example, questions relating to Your health where that information is required in order to provide life insurance quotations). Where We do so, We will request Your explicit consent to the use of such sensitive personal data. Where You consent to provide us with this information We will take appropriate measures to protect such sensitive personal data.
Cookies:

We may also collect information about Your computer, including where available Your IP address, operating system and browser type using a cookie file which is stored in the hard drive of Your computer. Cookies help us to improve Our Website and deliver a better and more personalized service to You. They enable us to:

•personalise Your experience on Our Website, speed up Your searches and help us select services or materials for inclusion on the Website which may be of interest to You;

•monitor general traffic patterns and usage of Our Website to help us to improve Our Website design and lay out.

Most browsers accept cookies automatically, but usually You can alter the settings of Your browser to prevent automatic acceptance. If You choose not to receive cookies, You may not be able to use certain features of Our Website.
Storage of Your personal data:

The personal information that We collect from You may be transferred to and stored outside of the European Economic Area.

As required by the Data Protection Act 1998, We follow strict security procedures in the storage and disclosure of personal information which You have provided via this Website, to prevent unauthorised access. We shall take all reasonable steps to ensure Your personal details remain secure.

Uses made of Your information: We or third parties acting on Our behalf may use Your Personal Information in the following ways:

•to populate online forms with data provided by You which we screen and pass on to suitable providers furnishing such providers with the information necessary for the conclusion of Your application for the financial and insurance products displayed on Our website; and/or

•to provide You with information, products or services that You request from us and/or

•to allow You to participate in interactive features of Our service when You choose to do so; and/or

•to contact You by letter, telephone or e-mail to inform You about other products and services which may be of interest to You; and/or

•notify You of Our news, changes to the Website, special events or other services We think may interest You; and/or to administer or develop Our Website.

We may also disclose Your personal information to third parties:

•who provide financial products and services relevant to the products or services You have selected on Our Website and/or

•that We think might be of interest to You so that they can also provide You with information about the goods or services that they provide.

We also may need to disclose Your personal information:

•where it is necessary to comply with any applicable laws or to protect Ourselves or Our users (including exchanging information with other companies for the purposes of fraud protection), or

•in the event that We sell Our business, in which case We may disclose Your personal data to the prospective buyer of Our business.
Your Rights:

If You do not agree with this Privacy Policy then You should not enter any of Your personal information on Our Website.

If at any time after You have provided personal information to Us and you want to object to your personal data being used by Us, you need to let Us know by sending an email to us at unsubscribe. We will endeavour to process Your request as soon as possible, but in some cases it may take us up to 28 days to process Your request.
Our Privacy Policy applies solely to information collected by Us through Our Website.

Please note that We are not responsible for what any third party content provider or other third party offering goods and services via websites linked to or framed around Our Website may propose to do with any personal information that You may provide them. So please ensure that You also read their data protection and privacy terms and conditions very carefully before providing them with your personal information.
Feedback

Questions, comments and requests regarding Our Privacy Policy are welcomed and should be addressed via email to unsubscribe or to the addressshown above.

If any part of these terms are found to be unlawful, invalid or unenforceable, that provision shall be deemed severed and where capable the validity and enforceability of the remaining provisions of these terms shall not be affected.

Any failure on Our part to enforce any right will not constitute a waiver of such rights.

These terms and conditions replace any previous terms and conditions regarding the use of Our Website.

These terms and conditions are governed by and construed in accordance with English law.

Thank You for visiting Our Website.
GUIDANCE NOTES

The following sections form part of the terms and conditions and provide more specific guidance on certain products and services.
Insurance products and services

Our insurance service allows You to compare insurance policies for various types of insurance products and services. We may either act as the provider or broker for some of these policies or we may act as an agent for the provision of insurance policies. In acting as an agent We can negotiate on Your behalf the amount which should be payable by You to the provider of insurance services shown on Our website. The results of any searches We conduct will be impartial and do not depend on whether we provide the policy ourselves.

Whilst we endorse the products and service providers that appear on our website we do NOT provide advice. Before You buy any policy You must carefully read the terms of the policy, the insurer’s terms and conditions and any other relevant documentation which applies to the policy. You should always familiarise Yourself with all the details of any insurance policy that you are considering buying, for example, the restrictions, exclusions, conditions and obligations which apply to the policy. You must ensure that the policy matches Your requirements and that You agree to the terms of the policy before You place an order to purchase any insurance product or service. We accept no responsibility whatsoever in the event that any policy purchased by You does not meet Your requirements.

We will use the information You input into the application form to search for suitable policies allowing You to select the most appropriate based on features a policy may have and the premium and it will be a condition of any offer of insurance cover that the information that you have provided is completely accurate and honest and We and the Insurers We suggest to you will rely on your answers. We may also use the information You input to provide you with further quotations from time to time (such as at anniversaries of the start date of your original quotation). The answers that you give may also affect any special or promotional deals we have been able to negotiate for You. It is Your responsibility to ensure that such information and all other information You provide to the insurers (before cover begins and during the term of any policy You take out) is complete, accurate and not misleading. The information You supply may be used to carry out certain credit checks through licensed credit-referencing agencies. This is used as part of the underwriting process for some of the insurers and a record of this search will be made. If You are in any doubt as to whether any information is relevant You should disclose it. If You do not provide all such information Your selected insurer may be able to treat Your insurance policy as if it never existed.

It is the insurer’s responsibility to provide all relevant documentation to You and We can accept no responsibility in the event that You do not receive the documentation requested or expected (unless We are the relevant insurer).

You will be able to save your details on our system and use these as the basis for making amended or new quotation requests in future. To assist You, We will email You details of the quotes You have obtained from our system with appropriate links to allow You to purchase an insurance policy.
Home Insurance

Our system provides a full quote service, and in doing so We and the insurers we work with rely on the information you enter into our application form to be accurate and complete as this information may form part of a binding agreement.
Motor Insurance

Our system provides a full quote service, and in doing so We and the insurers we work with rely on the information you enter into our application form to be accurate and complete as this information may form part of a binding agreement.
Travel Insurance

Our system provides a full quote service, and in doing so We and the insurers we work with rely on the information you enter into our application form to be accurate and complete as this information may form part of a binding agreement.
Mortgages (and Secured Loans)

The mortgage and secured loan services on the Website covers both mortgages in respect of property purchases and mortgages secured on Your property for a purpose other than the purchase of that property. For example, this might include a debt consolidation loan or a home improvement loan.

The interest rates quoted and displayed on the Website are examples of products available within the mortgage market at a given time. Neither Our selection as it appears on the Website and nothing nor anything in these terms and conditions constitutes advice or a recommendation to purchase a particular mortgage product The rates are shown to provide information in respect of the possible range of mortgage deals that are available in the market. All rates are subject to the lenders terms and conditions.

The Mortgage service puts you in touch with an appropriate qualified mortgage advisor. We will consider your requirements and from the information you provide we will source our most suitable broker who will then be able to advise you of the mortgage deals that best suit your needs.

Please be aware that it is very important that before You apply for any mortgage product You carefully read the terms of the application form, the terms of the mortgage and any other relevant documentation which applies to the mortgage. You must ensure that the mortgage matches Your requirements and that You agree to the terms of the mortgage before You apply for any mortgage product. We accept no responsibility whatsoever in the event that any mortgage entered into or applied for by You does not meet Your requirements.

In the event that You decide to apply for a mortgage product recommended by a broker selected via the Website, the full mortgage documentation and other relevant details will be sent to You by the mortgage broker and not by us. It is the responsibility of the mortgage broker to provide all relevant documentation to You and We can accept no responsibility in the event that You do not receive the documentation requested or expected.

We receive commission and fees from certain mortgage providers who we refer you to. We retain the commission and fees and We do not charge You for the service We offer via the Website.

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.
Credit Cards and Loans

The products displayed on the Website are examples of products currently available. Neither Our selection as it appears on the Website nor anything in these terms and conditions constitutes advice or a recommendation to purchase a particular credit card or loan product.

We receive commission and fees from certain lenders who advertise on or are linked to the Website. We retain the commission and fees and We do not charge You for the service We offer via the Website.

The credit cards and loans service allow You to compare products and then links You to the relevant Websites of certain credit card and loan providers. Before You apply for a loan or a credit card product You must carefully read the terms on the application form which will include details of the interest rates applicable and any early redemption charges if relevant. In the event that You decide to apply for a loan or credit card product selected via the Website, it is the responsibility of the lender to provide all relevant documentation to You and We can accept no responsibility in the event that You do not receive the documentation requested or expected. You must be aged at least 18 years or over and resident in the UK (excluding Channel Islands and Isle of Man) to apply for a credit card and all lending will be subject to the Lender’s appraisal of Your financial status.