Terms & Conditions

1. Introduction

Welcome to TermInsure.co.uk (the "Website"), operated by [Company Name] ("we," "us," or "our"). These Terms and Conditions ("Terms") govern your use of our website and services, including our insurance comparison and lead generation platform.

We operate as an insurance intermediary and lead generation service, connecting customers with FCA-authorized insurance providers. We do not underwrite insurance policies ourselves but facilitate connections between consumers and licensed insurance companies.

2. Acceptance of Terms

By accessing, browsing, or using TermInsure.co.uk, you acknowledge that you have read, understood, and agree to be bound by these Terms and all applicable laws and regulations.

3. Eligibility

To use our services, you must meet the following eligibility requirements:

4. Our Services

4.1 What We Provide

TermInsure.co.uk provides an online platform that connects consumers with FCA-authorized insurance providers. Our services include:

• Quote Comparison: Facilitating insurance quote requests and comparisons
• Educational Content: Information about insurance products and coverage
• Lead Generation: Connecting you with suitable insurance providers
• Customer Support: Assistance with using our platform
• Market Insights: General information about insurance trends and options

4.2 What We Don't Provide

4.3 Service Availability

While we strive to maintain continuous service availability, we cannot guarantee that our website will be available 24/7 without interruption. We may temporarily suspend services for maintenance, updates, or technical issues.

5. Quote Request Process

5.1 Quote Requests

When you submit a quote request through our platform:

1. You provide information about your insurance needs and personal details
2. We share this information with relevant FCA-authorized insurance partners
3. Partners may provide quotes based on the information supplied
4. We facilitate communication between you and interested providers
5. Any final policy decisions are between you and the chosen insurance provider

5.2 Quote Accuracy

5.3 Information Accuracy

You are responsible for providing accurate, complete, and truthful information when requesting quotes. Providing false or misleading information may:

• Result in inaccurate quotes
• Lead to policy cancellation or claims denial
• Affect your ability to obtain insurance in the future
• Constitute insurance fraud in severe cases

6. User Responsibilities

Prohibited Uses

You may not use our website or services for:

• Submitting false or fraudulent information
• Attempting to manipulate or game our quote system
• Harvesting or collecting user information
• Distributing malware, viruses, or harmful code
• Engaging in any form of automated data collection (scraping, bots, etc.)
• Impersonating another person or entity
• Violating any applicable laws or regulations

7. Commission and Payments

7.1 Commission Structure

TermInsure.co.uk operates on a commission-based model. We may receive payment from insurance providers when:

• You click through to a provider's website
• You submit an application to an insurance provider
• You purchase a policy through one of our partners
• You maintain an active policy with a partner provider

7.2 No Direct Charges

7.3 Commission Disclosure

We are transparent about our commission structure. Commission payments do not affect:

• The quotes or prices you receive from insurance providers
• The information we display about insurance products
• Our commitment to helping you find suitable coverage

8. Intellectual Property

8.1 Our Content

All content on TermInsure.co.uk, including but not limited to text, graphics, logos, images, software, and design elements, is owned by us or licensed to us and is protected by copyright, trademark, and other intellectual property laws.

8.2 Limited License

We grant you a limited, non-exclusive, non-transferable license to access and use our website for personal, non-commercial purposes. This license does not permit:

• Reproduction or redistribution of our content
• Modification or creation of derivative works
• Commercial use without explicit permission
• Removal of copyright or proprietary notices

8.3 User Content

By submitting information, feedback, or other content to our website, you grant us a worldwide, royalty-free license to use, reproduce, and distribute such content for business purposes, subject to our Privacy Policy.

9. Disclaimers

9.1 "As Is" Service

Our website and services are provided "as is" and "as available" without warranties of any kind, either express or implied, including but not limited to warranties of merchantability, fitness for a particular purpose, or non-infringement.

9.2 Third-Party Links

Our website may contain links to third-party websites. We do not control and are not responsible for the content, privacy practices, or terms of service of any third-party websites.

10. Limitation of Liability

11. Indemnification

You agree to indemnify, defend, and hold harmless TermInsure.co.uk and its affiliates from and against any claims, damages, losses, costs, and expenses (including reasonable attorney fees) arising from:

• Your use of our website or services
• Your violation of these Terms
• Your violation of any applicable laws or regulations
• Any false or misleading information you provide
• Your infringement of any intellectual property or other rights

12. Termination

12.1 Termination by You

You may stop using our services at any time. If you wish to delete your account or remove your information, please contact us using the details provided below.

12.2 Termination by Us

We reserve the right to suspend or terminate your access to our services at any time, with or without notice, for any reason, including:

• Violation of these Terms
• Suspected fraudulent or illegal activity
• Abuse of our services or platform
• Technical or security reasons
• Business reasons or service discontinuation

12.3 Effect of Termination

Upon termination, your right to use our services will cease immediately. Provisions regarding intellectual property, disclaimers, limitation of liability, and indemnification shall survive termination.

13. Governing Law and Jurisdiction

These Terms and any disputes arising from or relating to your use of our services shall be governed by and construed in accordance with the laws of England and Wales.

Any legal proceedings relating to these Terms or our services shall be brought exclusively in the courts of England and Wales. You consent to the personal jurisdiction of such courts.

14. Changes to These Terms

We may update these Terms from time to time to reflect changes in our services, legal requirements, or business practices. We will notify you of material changes by:

• Posting the updated Terms on our website with a new "Last Updated" date
• Sending email notifications for significant changes
• Displaying prominent notices on our website

Your continued use of our services after any changes indicates your acceptance of the updated Terms.

15. Contact Information