Terms and Conditions

Background

These Terms of Use, together with any other documents referred to below, set out the terms of use under which you may use this website, www.quotebeater.com (“Our Site”) and our services. Please read these Terms of Use carefully and ensure that you understand them. By continuing to use Our Site, you confirm that you accept that these Terms of Use are legally binding. If you do not agree to comply with and be bound by these Terms of Use, you must stop using Our Site immediately.

Definitions

The following expressions have the following meanings:

Information About Us

Our Site, www.quotebeater.com , is owned and operated by QuoteBeater Ltd, a limited company registered in England under company number 12588303, whose registered address is 19-21 Crawford Street, London, W1H 1PJ

Access to Our Site

Access to Our Site is free of charge. Access to Our Site is provided “as is” and on an “as available” basis. This site is intended for UK residents. We may alter, suspend or discontinue Our Site (or any part of it) at any time without notice. We will not be liable to you in any way if Our Site (or any part of it) is unavailable at any time and for any period.

Accounts

In order to make use of the QuoteBeater services you will need to create an Account. Please note that you may only open an Account if you are over 18 years of age.

When creating an Account, the information you provide must be accurate and complete. If any of your information changes at a later date, it is your responsibility to ensure that your Account is kept up-to-date.

We recommend that you choose a strong password for your Account, consisting of a combination of upper and lower case letters, numbers and symbols. It is your responsibility to keep your password safe. You must not share your password with anyone else or allow anyone else to use your Account. If you believe your Account is being used without your permission, please contact Us immediately at info@quotebeater.com. We will not be liable for any unauthorised use of your Account.

Any personal information provided in your Account will be collected, used, and held in accordance with these Terms of Use and our Privacy Policy.

You can close your Account at any time. Closing your Account will result in the removal of your information from our records and will mean that you are not able to access the services provided through Our Site.

Our service

Once you have created an Account, we will ask you to complete an online form to give us the information we need to check for available insurance quotations from our panel of Partners. Please complete the form carefully and make sure that the information you provide is completely true and accurate, remembering that it will be passed on to our Partners and that failure to provide complete and accurate information may affect the validity of any insurance policy eventually issued to you.

When you have completed the form, we may display some estimated quotations from some of our Partners. PLEASE NOTE that these are only estimates based on the information you have provided to us and the information that we have received back from our Partners. We cannot guarantee that any of our Partners will issue you with a quotation at that price or at all, and cannot accept any responsibility if the estimates we have given you differ from the quotation offered by our Partners.

When you have completed the form(s), we will pass the information you have provided on to our selected Partners, one or more of whom may then contact you directly to discuss your requirements in more detail and may provide you with a full quotation for the insurance you require. PLEASE NOTE that any dealings you have with one of our Partners will be based on that Partners’ terms of business. We cannot accept any responsibility for our Partners’ terms of business, and you should ensure that you have checked and are happy with those terms. PLEASE ALSO NOTE that any insurance policy you take out with or through one of our Partners as a result of using Our Site is a contract between you and the Partner. You should review the policy documentation carefully to ensure that the policy fully meets your needs, and we cannot accept any liability for the validity or terms of any such insurance. Our Partners may contact you by phone, email or SMS.

Intellectual Property Rights

With the exception of User Content (see “User Content” below), all Content included on Our Site and the copyright and other intellectual property rights subsisting in that Content, unless specifically labelled otherwise, belongs to or has been licensed by Us. All Content (including User Content) is protected by applicable United Kingdom and international intellectual property laws and treaties.

You may:

• access, view and use Our Site in a web browser (including any web browsing capability built into other types of software or app);
• download Our Site (or any part of it) for caching;
• print page(s) from Our Site;
• download extracts from pages on Our Site; and
• save pages from Our Site for later and/or offline viewing.

Except as set out above, you may not reproduce, copy, distribute, sell, rent, sub-licence, store, or in any other manner re-use Content from Our Site unless we have given you our express written permission to do so.

You may not use any Content saved or downloaded from Our Site for commercial purposes without first obtaining a licence from Us (or our licensors, as appropriate) to do so.

Links to Our Site

You may link to Our Site provided that:

• you do so in a fair and legal manner;
• you do not do so in a manner that suggests any form of association, endorsement or approval on Our part where none exists;
• you do not use any logos or trade marks displayed on Our Site without Our express written permission; and
• you do not do so in a way that is calculated to damage Our reputation or to take unfair advantage of it.

You may not link to any page other than the homepage of Our Site, www.quotebeater.com.

You may not link to Our Site from any other site the main content of which contains material that:

• is sexually explicit;
• is obscene, deliberately offensive, hateful or otherwise inflammatory;
• promotes violence;
• promotes or assists in any form of unlawful activity;
• discriminates against, or is in any way defamatory of, any person, group or class of persons, race, sex, religion, nationality, disability, sexual orientation, or age;
• is intended or is otherwise likely to threaten, harass, annoy, alarm, inconvenience, upset, or embarrass another person;
• is calculated or is otherwise likely to deceive another person;
• is intended or is otherwise likely to infringe (or to threaten to infringe) another person’s privacy;
• misleadingly impersonates any person or otherwise misrepresents the identity or affiliation of a particular person in a way that is calculated to deceive (obvious parodies are not included in this definition provided that they do not fall within any of the other provisions of this sub-Clause 7.4);
• implies any form of affiliation with Us where none exists;
• infringes, or assists in the infringement of, the intellectual property rights (including, but not limited to, copyright, trade marks and database rights) of any other party; or
• is made in breach of any legal duty owed to a third party including, but not limited to, contractual duties and duties of confidence.

Links to Other Sites

Links to other sites may be included on Our Site. Unless expressly stated, these sites are not under Our control. We neither assume nor accept responsibility or liability for the content of third party sites. The inclusion of a link to another site on Our Site is for information only and does not imply any endorsement of the sites themselves or of those in control of them.

Disclaimers

Nothing on Our Site constitutes advice on which you should rely. It is provided for general information purposes only. Professional or specialist advice should always be sought before taking any action or purchasing any policy of insurance.

Insofar as is permitted by law, We make no representation, warranty, or guarantee that Our Site will meet your requirements, that it will not infringe the rights of third parties, that it will be compatible with all software and hardware, or that it will be secure. If, as a result of Our failure to exercise reasonable care and skill, any digital content from Our Site damages your device or other digital content belonging to you, you may be entitled to certain legal remedies. For more details concerning your rights and remedies as a consumer, please contact your local Citizens Advice Bureau or Trading Standards Office.

We make reasonable efforts to ensure that the Content on Our Site is complete, accurate, and up-to-date. We do not, however, make any representations, warranties or guarantees (whether express or implied) that the Content is complete, accurate, or up-to-date.

In particular, PLEASE REMEMBER

• that the estimated premiums we show you are only estimates based on the information you have provided and the information we have from our Partners. We cannot guarantee that any of our Partners will issue you with a policy at that price or at all, and cannot accept any responsibility if the estimates we have given you differ from the quotations offered by our Partners.
• that any dealings you have with one of our Partners will be on that Partners’ terms of business. We cannot accept any responsibility for our Partners’ terms of business, and you should ensure that you have checked and are happy with those terms before accepting a policy of insurance.
• that any insurance policy you take out with or through one of our Partners as a result of using Our Site is a contract between you and the Partner. You should ensure that the policy fully meets your needs, and we cannot accept any liability for the validity or terms of any such insurance.

Our Liability

To the fullest extent permissible by law, We accept no liability to any User for any loss or damage, whether foreseeable or otherwise, in contract, tort (including negligence), for breach of statutory duty, or otherwise, arising out of or in connection with the use of (or inability to use) Our Site or the use of or reliance upon any Content (including User Content) included on Our Site.

To the fullest extent permissible by law, We exclude all representations, warranties, and guarantees (whether express or implied) that may apply to Our Site or any Content included on Our Site.

If you are using our site in connection with your business, We accept no liability for loss of profits, sales, business or revenue; loss of business opportunity, goodwill or reputation; loss of anticipated savings; business interruption; or for any indirect or consequential loss or damage.

We exercise all reasonable skill and care to ensure that Our Site is free from viruses and other malware, but We accept no liability for any loss or damage resulting from a virus or other malware, a distributed denial of service attack, or other harmful material or event that may adversely affect your hardware, software, data or other material that occurs as a result of your use of Our Site (including the downloading of any Content from it) or any other site referred to on Our Site.

We are not responsible or liable for any disruption or non-availability of Our Site resulting from external causes including, but not limited to, ISP equipment failure, host equipment failure, communications network failure, natural events, acts of war, or legal restrictions and censorship.

Nothing in these Terms of Use excludes or restricts Our liability for fraud or fraudulent misrepresentation, for death or personal injury resulting from negligence, or for any other forms of liability which cannot be excluded or restricted by law. For full details of consumers’ legal rights, including those relating to digital content, please contact your local Citizens’ Advice Bureau or Trading Standards Office.

Viruses, Malware and Security

We exercise all reasonable skill and care to ensure that Our Site is secure and free from viruses and other malware.

You are responsible for protecting your hardware, software, data and other material from viruses, malware, and other internet security risks.

You must not deliberately introduce viruses or other malware, or any other material which is malicious or technologically harmful either to or via Our Site.

You must not attempt to gain unauthorised access to any part of Our Site, the server on which Our Site is stored, or any other server, computer, or database connected to Our Site.

You must not attack Our Site by means of a denial of service attack, a distributed denial of service attack, or by any other means.

By breaching the provisions of the three paragraphs immediately above you may be committing a criminal offence under the Computer Misuse Act 1990. Any and all such breaches will be reported to the relevant law enforcement authorities and We will cooperate fully with those authorities by disclosing your identity to them. Your right to use Our Site will cease immediately in the event of such a breach.

Acceptable Usage Policy

You may only use Our Site in a manner that is lawful and that complies with the provisions of this section. Specifically:

• you must ensure that you comply fully with any and all local, national or international laws and/or regulations;
• you must not use Our Site in any way, or for any purpose, that is unlawful or fraudulent;
• you must not use Our Site to knowingly send, upload, or in any other way transmit data that contains any form of virus or other malware, or any other code designed to adversely affect computer hardware, software, or data of any kind; and
• you must not use Our Site in any way, or for any purpose, that is intended to harm any person or persons in any way.

When submitting User Content (or communicating in any other way using Our Site), you must not submit, communicate or otherwise do anything that:

• is sexually explicit;
• is obscene, deliberately offensive, hateful or otherwise inflammatory;
• promotes violence;
• promotes or assists in any form of unlawful activity;
• discriminates against, or is in any way defamatory of, any person, group or class of persons, race, sex, religion, nationality, disability, sexual orientation or age;
• is intended or otherwise likely to threaten, harass, annoy, alarm, inconvenience, upset, or embarrass another person;
• is calculated or is otherwise likely to deceive;
• is intended or otherwise likely to infringe (or threaten to infringe) another person’s right to privacy or otherwise uses their personal data in a way that you do not have a right to;
• misleadingly impersonates any person or otherwise misrepresents your identity or affiliation in a way that is calculated to deceive (obvious parodies are not included within this definition provided that they do not fall within any of the other provisions of this sub-Clause 12.2);
• implies any form of affiliation with Us where none exists;
• infringes, or assists in the infringement of, the intellectual property rights (including, but not limited to, copyright, patents, trade marks and database rights) of any other party; or
• is in breach of any legal duty owed to a third party including, but not limited to, contractual duties and duties of confidence.

We reserve the right to suspend or terminate your access to Our Site if you materially breach the provisions of this section or any of the other provisions of these Terms of Use

Specifically, We may take one or more of the following actions:

• suspend, whether temporarily or permanently, your Account and/or your right to access Our Site;
• remove any User Content submitted by you that violates this Acceptable Usage Policy;
• issue you with a written warning;
• take legal proceedings against you for reimbursement of any and all relevant costs on an indemnity basis resulting from your breach;
• take further legal action against you as appropriate;
• disclose such information to law enforcement authorities as required or as We deem reasonably necessary; and/or
• any other actions which We deem reasonably appropriate (and lawful).

We hereby exclude any and all liability arising out of any actions (including, but not limited to those set out above) that We may take in response to breaches of these Terms of Use.

Privacy and Cookies

Use of Our Site is also governed by Our Cookie and Privacy Policies, available from Cookie Policy and Privacy Policy. These policies are incorporated into these Terms of Use by this reference.

Changes to these Terms of Use

We may alter these Terms of Use at any time. Any such changes will become binding on you upon your first use of Our Site after the changes have been implemented. You are therefore advised to check this page from time to time.

In the event of any conflict between the current version of these Terms of Use and any previous version(s), the provisions current and in effect shall prevail unless it is expressly stated otherwise.

Contacting Us

To contact Us, please email Us at info@quotebeater.com.

Communications from Us

If We have your contact details (if, for example, you have an Account) We may from time to time send you important notices by email. Such notices may relate to matters including, but not limited to, service changes, changes to these Terms of Use, Our Terms of Sale, and changes to your Account.

We will not send you marketing emails without your express consent. If you do give such consent, you may opt out at any time by contacting us and letting us know. Any and all marketing emails sent by Us will include an unsubscribe link. If you opt out of receiving emails from us at any time, it may take up to 10 business days for Us to comply with your request. During that time, you may continue to receive emails from Us.

For questions or complaints about communications from Us (including, but not limited to marketing emails), please contact Us at info@quotebeater.com.

Data Protection

All personal information that We may use will be collected, processed, and held in accordance with the provisions of Data Protection Legislation such as the Data Protection Act 2018 and EU Regulation 2016/679 General Data Protection Regulation (“GDPR”) and or any legislation superseding or replacing that legislation.

For complete details of Our collection, processing, storage, and retention of personal data including, but not limited to, the purpose(s) for which personal data is used, the legal basis or bases for using it, details of your rights and how to exercise them, and personal data sharing (where applicable), please refer to Our Privacy Policy and Cookie Policy.

Law and Jurisdiction

These Terms and Conditions, and the relationship between you and Us (whether contractual or otherwise) shall be governed by, and construed in accordance with the law of England & Wales.

If you are a consumer, you will benefit from any mandatory provisions of the law in your country of residence. Nothing in the preceding sub-clause takes away or reduces your rights as a consumer to rely on those provisions.

If you are a consumer, any dispute, controversy, proceedings or claim between you and Us relating to these Terms and Conditions, or the relationship between you and Us (whether contractual or otherwise) shall be subject to the jurisdiction of the courts of England, Wales, Scotland, or Northern Ireland, depending on where you live.

If you are a business, any disputes concerning these Terms and Conditions, the relationship between you and Us, or any matters arising therefrom or associated therewith (whether contractual or otherwise) shall be subject to the exclusive jurisdiction of the courts of England & Wales.

These Terms of Use where last updated on 30/06/2020.