Terms and Conditions.
1.In these Terms and Conditions the words “you” and “your” means the person accessing the Website. These Terms and Conditions together with our Privacy Policy explain how you may use the site. It is important that you read this document carefully before using the site.
- Your actions in using the Website indicate your consent and agreement to be bound by these Terms and Conditions and our related Privacy Policy, by accepting these Terms and Conditions you are deemed to also accept the terms of our Privacy Policy. If you do not accept these Terms and Conditions, then please do not use the Website.
- At our discretion we reserve the right to amend these Terms and Conditions at any time. If the Terms and Conditions are amended, then the revised Terms and Conditions will be published on the Website. In that event, then your use of the Website will be subject to the version of the Terms and Conditions applicable at the time of your visit to the Website.
- In order to simplify your use of the Website we would ask you to note that Part 1 relates to all products and services advertised on the Website whereas Part 2 relates specifically to the individual product or service that you require/
- Interpretations Clause
In this clause we define the meaning of some of the important words which follow later on in the document.
Impartial
Means we search the entire market for you and do not favour or prefer any individual supplier instead of another one.
“Intellectual Property Rights”
Means patents, both registered and unregistered trademarks and service marks, domain names, database rights and moral rights and all similar rights.
“Service”
Means the provision by us via this Website of information about Suppliers and their Products in order that you may make an informed decision about placing an order with that Supplier about any of the products and services that they advertise
“Supplier”
Means a supplier of products and/or services listed on this Website
- Registration.
You do not need to register with us as a member to access our Website. However, you may need to register in order to make use of some of the facilities and in order for any donations made to your chosen charity. If a transaction is completed and the user has failed to register a profile, the charitable donation will be made to the compariswitch house charity. In order to enable us to provide the service you will need to supply us with certain information about you. For business customers we will need to know the name of your company together with your email and postal address. The information you provide will only be used in accordance with our Privacy Policy.
From time to time we may send you an email which contains information from our suppliers. By accepting these Terms and Conditions you agree to let us have the email address you have supplied to us for that purpose. If you do not want to receive these emails, please click on the unsubscribe link.
As part of the registration process you may be required to submit a user name and password and those details will need to be verified and accepted by us.
You warrant and represent that any information you provide to us is true complete and accurate and you will promptly inform us of any change in circumstances.
We reserve the right for any reason to refuse to accept a registration from any user.
- Our Service
We have created this Website and made it available to you in order to help you get quotations from suppliers in order that you may consider entering into a transaction with a supplier. We do not accept and will not be liable to you in respect of any such transaction. Further, all such transactions may be subject to the particular terms and conditions of the individual supplier.
You agree that in order to provide the services we may forward the information you provide to the suppliers for the purpose of obtaining quotations from them. We will obtain your consent prior to sending any such information to suppliers.
We reserve the right at any time to withdraw any supplier for any product or service from our Website for any reason whatsoever.
As consideration for providing this service you agree that we may be paid a fee from a supplier in return for placing your order with them.
- Access to the Website.
We will provide access to the Website on a temporary basis and no representations are given that the Website will be continuously available to members of the public. For instance, there may be planned maintenance or there may be problems experienced with either hardware or software failure.
In the event that your authorisation is revoked in accordance with the clause set out below then you must immediately stop using the Website and also destroy any materials that you have downloaded from it,
We reserve the right to immediately without any explanation withdraw your authorisation and to terminate it where
- Either you or someone acting on your behalf distributes material which is either grossly offensive, indecent or obscene, defamatory or breaches the rights of any third party.
- Either you or someone acting on your behalf causes annoyance inconvenience or anxiety to anyone connected with the Website
- You do anything either on your own account or in conjunction with any third party which incites hatred against or adversely affects any ethnic, racial, religious or minority group or any individual.
- You upload files which contain viruses, corrupted files or any software or programs that interfere with or change the operation of the Website.
- Impersonate others and
- Promote any illegal activity.
9 Fees
It is free to access our Website, although you may be charged if you buy products or services from a supplier. Should we at a later date decide to charge users for using the Website then we agree to notify you of any applicable fee prior to that fee being levied.
You agree that you will be responsible for the payment of any amounts payable to suppliers pursuant to the terms and conditions of any agreement entered into with such supplier, and that we will not be responsible for such payment.
- Third Party Suppliers.
After a referral if you decide to buy either the products or services offered by a supplier you will need to enter into a contract with the supplier. If you buy products or services in this way then we will not be a party to, nor will we have any liability under or in respect of, any agreement entered into between you and a supplier.
- Title and Risk.
You agree and understand that title and risk in and to any products or services that you purchase from a supplier shall pass to you in accordance with the terms and conditions of the contract that you agree with the individual supplier.
- Intellectual Property Rights.
All the Intellectual Property Rights in and to the Website together with the information and content on it shall remain our property. You acknowledge and agree that you will not obtain or try to obtain any title to such Intellectual Property Rights. You agree not to copy or try to copy any part of the Service otherwise than in connection with these terms and conditions.
You may view, download and print any part of the Service subject to the following conditions
The content, software, material and information published on the Website may only be used for personal and non-commercial purposes.
Except as expressly stated by us the content, software, material and information shall not be copied or included in any other work or publication.
You agree that the content, software, material and information shall not be modified, decompiled, reverse engineered or altered in any way.
Except as expressly permitted by us the content, software, material and information may not be distributed or used by any Third Party.
You agree that you will not remove any copyright or other proprietary notices contained in the content, software, material and other information.
- Disclaimers.
We will use all reasonable endeavours to ensure that the information relating to a Supplier’s products and/or services (including but not limited to the cost of such products and services) is updated regularly. However, you agree that such information is not updated regularly, and it is your responsibility to check that that with the relevant Supplier.
We will exercise all reasonable care and skill in providing the Website together with any information relating to a Supplier’s products and services. However, we are not able to guarantee the reliability of the Website, or the accuracy, completeness or reliability of any content, material or information on the Website that derives from Third Parties.
Except as is expressly provided in these terms and conditions the Website and all materials and information provided through it are provided on an “As Is “basis without any guarantee of any statements and warranties (including but not limited to any warranty of fitness for a particular purpose or non-infringement) are excluded to the fullest amount permissible.
You agree that we will not be liable to you for any information provided to you regarding any Supplier’s products and/or services that is incomplete, out of date and/or the services offered by any Supplier.
- Liability.
Nothing in these terms and conditions shall limit or exclude any liability to you in respect of any
Death or Personal Injury arising out of our negligence or
Any loss suffered by you as a result of your relying on any fraudulent statement or misrepresentation made to you.
You agree that we will not be liable for any
Loss, claim or damage or any punitive, special, incidental or consequential damage of any kind, including but not limited to any loss of savings, or loss or corruption of data,
Loss of profit (whether direct or indirect,
Any claim based on contact, tort (including negligence) strict liability or otherwise which arises out of or is in any way connected with
The Website or the Service,
Any agreement or arrangement that you enter into with a Supplier.
Any act of negligence, wilful misconduct, deceit or fraud by any Supplier.
Any problems you experience with any products or suppliers you may experience with Suppliers.
Any delay you may find relating to any part of the Website or any Service including, but without limitation any unavailability of the Website in all cases even if we have been informed of the problem.
Due to the inherent risks of using the Internet, we are not liable for any damage, infections to or other viruses that may affect your computer equipment as a result of your using the Website. You agree that the downloading or acquisition of any materials, Software, content or information through the Website is done at your own risk. You agree that you will be solely responsible for any damage to your computer system or the loss of any data that may result from the downloading or acquisition of any such materials.
You agree to indemnify us in respect of all claims that may arise resulting from your use of the Website or the Service arising from your breach of these terms and conditions.
We will notify you of any such claims or proceedings, and keep you fully informed as to the progress of such claims or proceedings.
You agree to perform any of your obligations under this Agreement with reasonable care and skill.
You agree that in no circumstances will we have any liability at all to you in respect of any transaction with a Supplier. We will not be responsible for any damage incurred by you arising out of or in respect of to the transaction or attempt to enter into any transaction with a Supplier (including but not limited to any failure to deliver any service or products.
- Termination.
You agree that we are entitled to remove the Website or to stop providing the Service, and to terminate your registration to the Website at any time at our sole discretion.
You are entitled to terminate your registration to the Website at any time by giving written notice to us.
Irrespective, of the reason for the termination of your registration to the Website and howsoever caused it will not affect the accrued rights and obligations of either of us at the date of such termination.
- General.
You will not assign, delegate or otherwise dispose of any of your rights and obligations under these Terms and Conditions without our prior written consent. We however, shall have the right to assign or otherwise dispose of all or any of our rights and obligations to any Third Party.
Any failure or delay by us to enforce any of our rights and obligations shall not be intended to, or constitute such a waiver of that, or any other waiver of any such right unless we acknowledge such waiver in writing.
If at any time any part of these terms and conditions is, or becomes illegal, invalid or unenforceable in any respect then the remainder of these terms and conditions will remain valid and enforceable.
We will not be liable to you for any breach of any of our obligations under these terms and conditions in the event that they are for reasons beyond our control.
Nothing in these terms and conditions can be taken by either of us as constituting or intended to constitute a joint venture, partnership, agency or other entity or agreement between you and us. Neither of us shall have the right or authority to incur any debt or liability or cost or enter into any contracts or any other arrangements in or on behalf of the other.
These terms and conditions are not intended to be for the benefit of any Third Party who is not a party to the agreement under the Contracts (Rights of Third Parties Act 1999 or otherwise.
These terms and conditions together with our Privacy Policy set out in full the extent of our rights and obligations concerning the service we provide through the Website, and replace any other agreements or understandings made between us whether oral in writing.
These terms and conditions and any dispute or claim made in connection with them (including non-contractual disputes or claims) shall be governed by and construed by the laws of England and Wales. Both of us irrevocably agree to submit to the exclusive jurisdiction of the Courts of England and Wales.
- Telephone Calls.
All telephone calls that you make to us will be maintained and/or recorded. This will help us to train our staff in order to improve our services.
18.Complaints.
We aim to provide you with an excellent service at all times. If you are unhappy with our service, then please contact us by email – hello@compariswitch.uk
We will try to resolve your complaint within 14 days. If we are unable to do that then we will inform you. After we have had an opportunity of fully investigating your complaint we will provide you with a detailed response. If, after that you remain unhappy then you may have the right to refer your complaint to the relevant Ombudsman,
If you have any complaint about any product you have bought from a Third Party, or have any complaint regarding a Third Party then please refer your complaint to that Third Party. Alternatively, feel free to contact us and we will be happy to try to resolve the matter on your behalf.
19.Payments.
You agree to pay any fees and/or other charges incurred by us in accordance with any payment provisions as set out in in this Website for the products and/or services.
You will be asked to make full payment for the products and/or services at the time you make your application to the relevant Third Party. You will not be allowed to pay in any other way than that set out in this Website.
We may forward your card details and any other personal information as may be necessary to any Third Party concerned.
We reserve the right to charge you for any handling fees that either we or the relevant Third Party may require in connection with your application. We will of course inform you in advance of any fees before they are incurred.
- Privacy.
We are committed to protecting your privacy and take that very seriously. Any information we have about you will be processed in accordance with our Privacy Policy. You agree that by using this Website that we may access your account to process your information.
We may disclose your personal information or access your account if required to do so by law, any Court or Regulatory Body, The Office of Fair Trading, or any other Government or Law Enforcement Agency.
- Miscellaneous.
This Website is only intended to be used by residents of the United Kingdom. We make no representation or warranty that any product and/or service we provide is either appropriate or available to persons outside the United Kingdom.
You agree that if you choose to use this Website from countries outside the United Kingdom that you do so at your own risk. Also, that you agree that you are solely responsible for complying with all applicable law in those jurisdictions.
- Part Two.
Paragraphs 1 to 21 inclusive contain the main provisions of these Terms and Conditions. However, it is also necessary to confirm the position so far as the individual Products and/or Services are concerned.
- Insurance Products.
We would inform you that the online insurance comparison service is run and operated by Seopa Ltd.
We are an Introducer Appointed Representative of Seopa Ltd who are regulated by the appropriate Regulatory Body. Seopa Ltd is located at 8-10, Clifton Street, Belfast, BT2 7GS.
Before applying for any insurance product it is very important that you carefully check all the information the insurance provider may hold about you is true and correct, and that you have disclosed all relevant information.
It is your sole responsibility to correct any mistakes or errors held in the information held by the insurance provider to make sure that it is correct and that you have fully disclosed all necessary information.
Failure to correct any mistakes or errors in the information supplied to the insurance provider could lead to a rejection by them of any claim you make.
The information you supply may be used to carry out certain credit checks on you by licensed credit reference agencies.
The information is part of the underwriting process by some insurance providers and will not adversely affect your credit profile.
If you are in any doubt about whether any information is relevant and should be disclosed, then you should disclose it at the time you submit your application for the particular product concerned. If you fail to disclose anything to your proposed insurance provider about any risks that are likely to influence their decision and the risks involved, then that may lead to a rejection of any claim you make.
It is very important, and your sole responsibility to make certain that all the information about you is true, accurate and complete. Failure to provide such information could invalidate your policy and result in it being rejected.
You should carefully read all the terms and conditions of the product that the insurance provider gives together with the terms and conditions which relate to the particular product. You must understand all the details for example, exclusions, restrictions and conditions which apply to the product.
It is your responsibility to make sure that the insurance product matches your requirements, and that you agree to all the terms and conditions before applying for the particular product.
We accept no responsibility for any loss or damage that you may suffer or incur in the event that the insurance policy does not meet your requirements and is not suitable for you.
You should be aware that insurance providers share information through various databases in order to check the information given to them, and to prevent fraudulent claims.
The insurance providers may use that information in order to decide on whether to accept or reject your risk.
You should also make sure that any other person named on your application is made aware of the fact that the information given about them will be held by the insurance provider.
- Travel Products.
This part of our service allows you to search for and compare different types of products from different product providers.
You will have to answer a number of questions before being able to compare any type of travel product. The questions are necessary in order to make sure that both we and the product provider have all the necessary information to be able to provide you with appropriate information relating to the products in which you are interested.
It is very important that you answer all of the questions completely and accurately and that you disclose all relevant information, and disclose all relevant facts.
Except regarding travel insurance, you must contact the relevant provider. Further details on travel insurance products and how to obtain them are set out below in this document.
Before you apply for any travel product it is very important that you check that all the information held by the product provider is correct, complete and accurate. It is your responsibility to make sure that any mistakes or errors that you have given to the product provider are identified and corrected before applying for the product.
It is very important that before applying for any travel product you must carefully read the terms and conditions of the product, and the terms and conditions that apply for the product. You must make sure that you are familiar with all the details of the product for example, the minimum check in times, refunds, visa and passport requirements, and that you agree to those terms and conditions before you apply for it.
We accept no liability or responsibility for any loss or damage that you may suffer or incur, if any product you apply for does not meet your requirements and/or is not suitable for you.
25.Home Services Products (Broadband, TV Telephone).
This part of our service is designed to help you to search for, and compare the different types of products from the different types of service providers.
You will be asked a series of questions in order to be able to compare all these types of products. Answering those questions is necessary in order to compare the different types of products available.
In order to apply for these types of products it is very important that you check all the information held by the product provider is accurate, complete and correct. It is your responsibility to identify and correct any errors or mistakes in the information you give to the product provider before applying for any type of product.
If you are in any doubt as to whether any information is relevant or required by the product provider or that something may be incorrect then you should disclose it before applying for any product.
It is important that before you apply for any Home Services Product that you carefully read all the terms and conditions of that product. You should familiarise yourself with all the details of the product for example, the restrictions, exclusions, conditions and obligations that relate to the product.
It is your responsibility to make sure that the product fully matches your requirements, and that you agree to all the terms and conditions before applying for it.
We will accept no responsibility or liability for any loss or damage that you may incur if the product you apply for is not suitable for you, and is not suitable for your requirements.
- User Generated Content
You agree that any User Content will comply with this paragraph. You are not allowed to;
Collect email addresses or other contact information of others for the purposes of sending unsolicited emails or other communications.
Promote or encourage illegal activity.
Do anything that is unlawful, fraudulent, harmful, defamatory, harassing, intimidating, libellous, stalking, indecent, inappropriate, discriminatory, or sexually, ethically, or otherwise objectionable for the purpose of harming minors in any way.
Do anything which violates the rights of others (such as privacy).
Impersonate any person or falsely state or misrepresent yourself.
Upload, post, transmit, store or otherwise make available any information, material, data or other Intellectual Property Rights of any Third Party.
Send any unsolicited or unauthorised advertising, promotional materials, “junk mail”, “spam”,” chain letters” or any other such solicitation.
Post links to alternative community forums or groups except with our prior written consent.
We reserve the right to but have no obligation to review or monitor any User Content. We are not responsible for the review or monitoring of any User Content.
We reserve the right to close, delete, edit, refuse to post modify or remove (without notice) any User Content which at our sole discretion breaches these terms and conditions.
You agree that any information you provide about yourself is true, accurate and complete and that this information is kept accurate and up to date.
Finally, you agree that we may disclose your ID if required to by law, any court or regulatory body, Governmental or law enforcement agency.