Terms & Conditions
Last updated: [Date]
Please read these Terms and Conditions carefully before using our website or services. By accessing our website or purchasing a policy, you agree to be bound by these terms.
1. Definitions
- "We", "us", "our" — refers to [Company Name]
- "You", "your" — refers to you, the user or policyholder
- "Services" — refers to our website and insurance products offered through it
- "Policy" — refers to an insurance policy issued through our platform
2. Use of Our Website
You agree to use our website only for lawful purposes and in a manner that does not infringe the rights of others or restrict their use of the site. You must not:
- Use the site in any way that is fraudulent or harmful
- Transmit unsolicited commercial communications
- Attempt to gain unauthorised access to any part of our systems
- Submit false or misleading information
3. Insurance Services
We act as an introducer/intermediary to insurance products underwritten by authorised insurers. The specific terms, exclusions, and conditions of your insurance cover are set out in your Policy Wording and Schedule.
Important: Insurance products are subject to eligibility criteria. We reserve the right to decline or cancel cover in accordance with the policy terms.
4. Quotations
Quotations provided through our website are based on the information you supply. They are indicative and subject to change if the information provided is found to be inaccurate or incomplete. A binding contract of insurance is only formed when a policy is issued.
5. Duty of Disclosure
You have a duty to take reasonable care not to make a misrepresentation when applying for insurance. Failure to disclose material information may result in your policy being voided, claims being rejected, or the policy being amended.
6. Payment
All premiums are due at the time of purchase unless a payment plan is agreed. We use secure third-party payment processors. We do not store your full card details.
7. Cancellation
Your right to cancel a policy is governed by the Policy Wording. A statutory 14-day cooling-off period applies to most consumer insurance policies from the date of purchase or receipt of policy documents, whichever is later.
8. Intellectual Property
All content on our website, including text, graphics, logos, and software, is owned by or licensed to us and is protected by intellectual property laws. You may not reproduce or redistribute any content without our prior written consent.
9. Limitation of Liability
To the fullest extent permitted by law, we exclude liability for any indirect, consequential, or incidental loss arising from your use of our website or services. Our total liability shall not exceed the premium paid for the relevant policy.
10. Governing Law
These Terms and Conditions are governed by and construed in accordance with the laws of England and Wales. Any disputes shall be subject to the exclusive jurisdiction of the courts of England and Wales.
11. Changes to These Terms
We reserve the right to update these Terms and Conditions at any time. Continued use of our services following notification of changes constitutes acceptance of the revised terms.
12. Contact Us
If you have any questions about these Terms and Conditions, please contact us:
Email: [support@example.com] Address: [Your Company Address]