Terms and Conditions
Terms of Use
Welcome to www.freepricecompare.com (the “Website”) brought to you by RBH LONDON LTD (“us”, “we” or “our”). In these terms of use (“Terms of Use”) “you” and “your” means you, the person accessing or using the Website or our call centre (the “Call Centre”). These Terms of Use, together with our Privacy Policy set out how you may use the Website and Call Centre. Please read these Terms of Use and our Privacy Policy carefully before you use the Website or Call Centre.
By accessing or using the Website or Call Centre, you agree to be bound by these Terms of Use. Our Privacy Policy is an essential part of these Terms of Use and by accepting these Terms of Use you also accept and consent to our Privacy Policy. If you do not accept these Terms of Use you must not use the Website or Call Centre.
We reserve the right to amend these Terms of Use at any time. All amendments to these Terms of Use will be posted on the Website. Your use of the Website and Call Centre will be subject to the version of the Terms of Use posted on the Website at the time of such use.
The Website and Call Centre are owned and operated by us, RBH LONDON LTD, a company registered in England and Wales (Company Number: 8687442) whose registered office is at 17 park road, London, EN5 5RY.
Energy call centre and Freepricecompare.com/home-energy is a trading name of Free Price Compare Utilities Ltd (09854794). FreePriceCompare.com is a trading name of RBH LONDON LTD and is authorised and regulated by the Financial Conduct Authority (FCA) under Firm Reference Number (FRN) 658035. You can check this on the Financial Services Register by visiting the FCA website.
As we offer services in relation to a number of products and services, there are two sections to our Terms of Use. Once you have read Part -1 which applies to all products and services, you should read the relevant paragraph in Part- 2 which provides additional terms in relation to the product or service you require.
Part – 1 (applies to all products and services)
1. Interpretation
1.1 In these Terms of Use, unless the context otherwise requires, the following terms shall have the following meanings:
• “Intellectual Property Rights”
Means patents, registered and unregistered trademarks and service marks, domain names, registered designs and design rights, copyright (including such rights in computer software and databases), database rights and moral rights (in each case for the full period thereof and extensions, revivals and renewals thereof), applications for the foregoing and the right to apply for any of the foregoing anywhere in the world, and all similar rights anywhere in the world including those subsisting in inventions, designs, drawings and computer programs;
• “Internet”(WWW – world wide web).
Means the global data network comprising interconnected networks using the Transmission Control Protocol/Internet Protocol;
• “Save-a-Search”
Means the service that you may register on the Website to receive, which is designed to enable you to, amongst other things, save any search that you conduct whilst using the Website;
• “Service”
Means the provision by us via the Website or Call Centre of impartial information on any Supplier and the products and/or services that such Supplier offers;
• “Free“
Means Free Price Compare is completely free to use for all customers.
• “Independent“
Means Free Price Compare is 100% owned by RBH LONDON LTD.
• “Impartial“
Means Free price Compare will not favour one supplier over another.
• “Software”
Means any proprietary software utilised by us (RBH LONDON LTD) to enable you to use the Service;
• “Supplier”
Means a supplier of products and/or services that is listed on our Website – www.freepricecompare.com.
2. Registration And The Provision Of Information
2.1 You do not need to register as a member to access the home page of the Website or to browse the Website or use the Call Centre, but you may need to register in order to access some of the features and/or applications available on the Website, such as the Save-a-Search / forum service.
2.2 In order to enable us to provide the Service to you, you will need to submit to us certain information about you and your business (including, but not limited to, your name, your business’s name and email and postal addresses). We will only use such information in accordance with our Privacy Policy. Click here to view our Privacy Policy.
2.3 From time to time we may send you an email with offers from Suppliers that we think may be of interest to you. By accepting these Terms of Use you hereby agree to let us use the email address you provide to us in accordance with Clause 2.2 above for such purposes. If you do not wish to receive these emails, please email us at the following email address: [email protected]
2.4 The registration process and the information we collect about you and your business may vary depending upon the application or service you are seeking to access on the Website or via the Call Centre. As part of the registration process you may be required to submit a user name and password and this will need to be verified and accepted by us. We reserve the right to refuse to accept any username which we deem to be inappropriate (in our sole discretion) and to assume that anyone logging into the Website using your username and password is either you or someone doing so with your permission. You will be responsible and liable for any actions of any person logging into the Website using your username and password. You should therefore notify us immediately if you suspect that anyone else knows your username and password or that anyone has logged in as you.
2.5 You warrant and represent that any information that you provide to us is true, complete and accurate and you shall promptly inform us of any changes to such information.
2.6 You further warrant and represent that you have the right, power and authority to accept these Terms of Use.
2.7 We may at any time and for any reason refuse to accept a registration from any end-user.
3. The Service
3.1 The Service is made available to you solely to enable you to obtain quotations from Suppliers with a view to you entering into a transaction with a Supplier. We will not be party to any such transaction with a Supplier and all such transactions are subject to the relevant Supplier’s own terms and conditions.
3.2 You acknowledge and agree that in order to provide the Service we may pass the information, or any part thereof, that you provide to us in accordance with Clause 2.2 to Suppliers for the purpose of obtaining quotations from such Suppliers. We will obtain your consent prior to sending any such information to any Supplier.
3.3 We may at any time withdraw any Supplier (or any product or service of any Supplier) from the Service.
3.4 As a result of using our service you acknowledge that we may be paid a commission from a supplier for placing your contract with them.
4. Access To And Use Of The Website,Service And Call Center
4.1 Access to the Website (www.freepricecompare.com) and Call Centre is permitted on a temporary basis and we reserve the right to withdraw or amend the Website as well as the right to cease providing the Call Centre (as well as any services made available through the Website or Call Centre, including, but not limited to the Service) at any time without notice to you. If you breach (or anyone other than you, with your permission breaches) any of the provisions of these Terms of Use:
4.1.1 Your authorisation to use the Website will automatically and immediately terminate;
4.1.2 You must immediate cease your use of the Website and destroy any materials downloaded or printed from the Website; and
4.1.3 We may prohibit you from accessing the Website, Call Centre and/or Service until we receive an assurance from you, in a form deemed acceptable to us, that there will be no further breach of the provisions of these Terms of Use.
4.2 Subject to the other provisions of these Terms of Use, we will use reasonable endeavours to ensure that the Website, the Call Centre and the Service are available at all times.
4.3 Notwithstanding Clause 4.2 above, there may be times when the Website, the Call Centre and/or the Service may be unavailable. Such unavailability may be planned (for example, where we are carrying out planned maintenance or upgrades) or unplanned (for example, where there is a hardware or software failure). We will use reasonable endeavours to ensure that disruption resulting from any unavailability is kept to a minimum.
4.4 You acknowledge and accept that you will not be able to use the Website, the Call Centre or the Service when they are unavailable
4.5 We do not guarantee that the Service will be free of faults. In the event of a fault in the Service, please report it to us by sending us an email on [email protected]
4.6 Without limitation, you undertake when using the Website or Call Centre that you will not, nor will you allow anyone else, on your behalf, to:
4.6.1 distribute any material which is grossly offensive, of an indecent, obscene or menacing character, blasphemous or defamatory of any person, in contempt of court or in breach of confidence, copyright, rights of personality, publicity or privacy or any other third party rights;
4.6.2 Cause annoyance, inconvenience or needless anxiety;
4.6.3 Intercept or attempt to intercept any communications transmitted by way of a telecommunications system or otherwise that are not intended for you;
4.6.4 Act otherwise than in accordance with accepted Internet practices and practices of any connected networks;
4.6.5 Do anything which incites hatred against or adversely affects (or is intended to incite hatred against or adversely affect) any ethnic, racial, religious or minority group or any individual;
4.6.6 Upload files that contain viruses, corrupted files, or any other software or programs that may interfere with or damage the operation of the Website;
4.6.7 Impersonate others;
4.6.8 Promote any activity that is illegal; or
4.6.9 Use software to harvest information from the Website;
4.6.10 furnishes false data, including, but not limited to, false names, addresses and contact details;
4.6.11 Attempt to circumvent the Website’s security or network, log into a server or account that you are not expressly authorised to access or probe the security of other networks (for example by running a SATAN scan or any similar tool);
4.6.12 Send unsolicited email messages;
4.6.13 Creating or forwarding “chain letters” or other “pyramid schemes” of any type, whether or not the recipient wishes to receive such mailings;
4.6.14 Enter or attempt to enter into fraudulent transactions with Suppliers nor enter or attempt to enter into transactions with Suppliers on behalf of a third party where you do not have authority to bind such third party; or
4.6.15 Offers for sale any of the Supplier’s products or services without first obtaining the relevant Supplier’s prior written consent.
4.7 You agree to comply with all reasonable instructions that we may give you regarding your use of the Website or the Call Centre.
4.8 You are responsible for obtaining (at your own cost) all necessary equipment and telecommunications services required to access the Website. You are also responsible for ensuring that no one else uses your equipment to access the Website without your permission. We will be entitled to assume that anyone who accesses the Website using your equipment has your permission to do so and you will be responsible for any charges, costs or liabilities that may be incurred by any such persons.
5. FEES
5.1 Access to our Website (www.freepricecompare.com) is currently free of charge (although you will be charged to purchase products or services from a Supplier). We reserve the right to stop offering the Website free of charge at any time but will notify you of any applicable charges before any such charges are levied.
5.2 You acknowledge and agree that you will be responsible for the payment of any amounts payable to any Supplier in accordance with the terms of any agreement entered into with such Supplier and that we will not be liable for any such payment.
6. Referrals To Suppliers
6.1 Following a Referral, if you wish to purchase the products or services offered by a Supplier, you will need to enter into an agreement with the relevant Supplier in respect of your purchase of such products or services. 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 and you hereby acknowledge and agree that we will not be responsible for assisting you with the negotiation, administration or processing of any agreement between you and any Supplier. Any complaints as to the quality of the products or services purchased from a Supplier must be directed to the relevant Supplier from which you have purchased such products or services.
6.2 Once you have entered into an agreement with a Supplier for the purchase of any of that Supplier’s products or services we will send you a confirmation email setting out the details of the products or services you have purchased and the identity of the relevant Supplier.
7. Title And Risk
You acknowledge and agree 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 of the agreement that you enter into with such Supplier.
8. Intellectual Property Rights
8.1 All Intellectual Property Rights in and to the Website and content and information available on the Website shall remain our property and you acknowledge and agree that you shall not obtain, nor shall you attempt to obtain, any title to any such Intellectual Property Rights.
8.2 You will neither use nor reproduce, nor will you attempt to use or reproduce, any part of the Service otherwise than in accordance with these Terms of Use.
8.3 You may view, download and print any content, Software, materials and/or information made available to you through the Website, subject to the following conditions:
8.3.1 The content, Software, material and information may only be used for Your personal and non-commercial purposes;
8.3.2 Save as expressly permitted by us in these Terms of Use, the content, Software, material and information shall not be reproduced or included in any other work or publication in any medium;
8.3.3 The content, Software, material and information may not be modified, decompiled, reverse engineered, disassembled or altered in any way;
8.3.4 save as expressly permitted by us in these Terms of Use, the content, Software, material and information may not be distributed or sold to any third party;
8.3.5 You will only use the Software in executable form and only to the extent necessary to enable you to use the Service; and
8.3.6 You will not remove any copyright or other proprietary notices contained in the content, material or information.
9. Disclaimers
9.1 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/or services) is updated regularly. However, you acknowledge that such information is not updated every day and that it is your responsibility to verify such information with the relevant Supplier.
9.2 We will exercise all reasonable skill and care in providing the Website and any information relating to a Supplier’s products and/or services. We are not able to guarantee the availability of the Website or the accuracy, completeness, currency or reliability of any content, materials or information on the Website that derives from third parties (including, without limitation, any Suppliers).
9.3 Except as expressly provided in these Terms of Use, the Website and all materials and information provided through it are provided on an “as is” basis without guarantee of any kind and any conditions, 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 by law. You acknowledge and agree and that we shall not be liable to you for any information provided to you in relation to any Supplier’s products and/or services that is incomplete, out of date and/or otherwise inaccurate that provided to you via the Service or a Supplier, including, without limitation, any description as to the condition of the products and/or services offered by any Supplier.
9.4 Without limiting the foregoing, we cannot guarantee, and do not promise, that the Service, the Website and/or Call Centre and all materials and information provided through the Service, the Website and/or Call Centre will meet your requirements. Therefore we advise you to check any materials or information provided to you via the Service, the Website and/or Call Centre as any reliance that you place on the accuracy, completeness, currency or reliability of that information is at your own risk.
10. Limitation Of Liability
10.1 Nothing in these Terms of Use shall limit or exclude our liability to you in respect of any:
10.1.1 Death or personal injury arising from our own negligence; or
10.1.2 Loss suffered by you as a result of your reliance on any fraudulent misrepresentation made by us to you; or
10.1.3 Other liability which cannot by law be excluded or limited.
10.2 Subject to Clause 10.1 above, you agree that we shall not be liable for any:
10.2.1 Direct loss, claim or damage;
10.2.2 Indirect loss, claim or damage, or any punitive, special, incidental or consequential damages of any kind (including, but not limited to, any lost savings or loss or corruption of data); or
10.2.3 Loss of profit (whether direct or indirect),
In each whether based in contract, tort (including negligence), strict liability, or otherwise, which arises out of or is in any way connected with:
(a) Any use of the Website, the Call Centre or the Service;
(b) Any contract, agreement or arrangement entered into by you, on the one hand, and by a Supplier on the other hand;
(c) Any action, omission, negligence, wilful misconduct, deceit or fraud of any Supplier;
(d) Any use of any of the products or services provided by any Supplier;
(e) Any failure or delay in the use of any component of the Website or any service including, without limitation, any unavailability of the Website, the Call Centre or the Service, irrespective of the duration of any period of unavailability; or
(f) Any use of or reliance upon any information, material, Software, products or services obtained through the Website or Call Centre, in all cases even if we have been forewarned of the possibility of such loss or damage.
10.3 Without limiting the effect of Clause 10.2, due to the inherent risks of using the Internet, we cannot be liable for any damage to, or viruses that may infect your computer equipment or any other property when you are using or browsing the Website. The downloading or other acquisition of any materials, Software, content or information through the Website is done at your own discretion and risk and with your agreement that you will be solely responsible for any damage to your computer system or loss of data that results from the downloading or acquisition of any such materials.
10.4 You agree to indemnify us against any claims or legal proceedings that may arise through your use of the Website, the Call Centre or the Service or from any breach of these Terms of Use by you.
10.5 We will notify you of any such claims or proceedings and keep you informed as to the progress of such claims or proceedings.
10.6 In performing any obligation under this Agreement, our only duty is to exercise reasonable care and skill.
10.7 You acknowledge and agree that, in no circumstances will we have any liability whatsoever to you in respect of any transaction with a Supplier. We will not be responsible for any loss, cost or damage incurred by you arising out of or in relation to the transaction or attempt to enter into a transaction (including but not limited to failure to transmit or deliver any services, products or goods).
11. Termination
11.1 We shall be entitled to remove the Website or cease provision of the Call Centre and/or the Service and/or terminate your registration to the Website at any time, in our absolute discretion, for any reason whatsoever.
11.2 You shall be entitled to terminate your registration to the Website at any time by written notice to us at the address set out above.
11.3 Termination of your registration to the Website, howsoever caused, shall not affect the accrued rights and liabilities of either you or us at the time of such termination.
11.4 Clauses 11.3, this 11.4 and 13 of these Terms of Use shall survive termination and shall continue to apply as shall any other provision which by its nature is intended to survive termination.
12. General
12.1 You will not assign, delegate or otherwise dispose of any of your rights or obligations under these Terms of Use without our prior written consent. We shall have the right to assign, delegate or otherwise dispose of all or any of our rights or obligations under these Terms of Use to any third party.
12.2 Any failure or delay by us to enforce any of our rights under these Terms of Use is not to be taken as, or deemed to be a waiver of, that or any other right unless we acknowledge and agree to such a waiver in writing.
12.3 If at any time any provision of these Terms of Use is or becomes illegal, invalid or unenforceable in any respect, the remainder of these Terms of Use shall remain valid and enforceable.
12.4 We will not be liable to you for any breach of our obligations under these Terms of Use to the extent that such breach is due to circumstances beyond our reasonable control.
12.5 Nothing in these Terms of Use and no action taken by you or us under these Terms of Use shall constitute, nor be deemed to constitute, a joint venture, partnership, agency or other cooperative entity or arrangement between you and us and neither you nor us shall have the right or authority to incur any liability debt or cost or enter into any contracts or other arrangements in the name of or on behalf of the other.
12.6 These Terms of Use are not intended to be for the benefit of, and shall not be exercisable by, any third party who is not a party to these Terms of Use under the Contracts (Rights of Third Parties) Act 1999 or otherwise.
12.7 These Terms of Use and our Privacy Policy set out the full extent of our obligations and liabilities concerning the services we provide via the Website or Call Centre and replace any previous agreements or understandings made between us and you, whether oral or written.
12.8 These Terms of Use and any dispute or claim arising out of or in connection with them (including non-contractual disputes or claims) shall be governed by and construed in accordance with the laws of England and Wales and both parties hereby agree to submit to the exclusive jurisdiction of the courts of England and Wales (including in relation to non-contractual disputes or claims).
13. Your Telephone Calls
13.1 All telephone calls regarding energy switching services are recorded and may be monitored. 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. Our customer service help line is available Monday to Friday 9.00am to 5.30pm, Saturday 10.30am to 5.00pm and Sunday 11.00am to 2.00pm.
14. Complaints
14.1 Our aim is at all times to provide you with an excellent service. If you are unhappy with our service for any reason, please contact our Customer Services Team by email to [email protected] .
14.2 We will aim to resolve your complaint within 48 hours. If we are not able to do so, we will provide you with an acknowledgement. After we have had an opportunity to investigate your concerns, we will issue you with a final response. Depending on the nature of your complaint and if you remain dissatisfied with our response, you may have the right to refer your case to the Financial Ombudsman Service at South Quay Plaza, 183 Marsh Wall, London, E14 9SR; telephone: 0845 080 1800; email: [email protected] ; website http://www.financial-ombudsman.org.uk/ . We will advise you if this right of referral applies to you.
14.3 If you are unhappy with any product you have obtained from a third party or have any complaint regarding any third party, you should address your complaint directly to that third party. If you require their contact details, please contact our Customer Services Team who will be happy to assist.
15. Payment
15.1 You agree to pay any fees and/or other charges incurred by you in accordance with any payment provisions set out on this Website from time to time.
15.2 Full payment for products or services where required on this Website, for example travel insurance, should be made at the time of application for the product or service and in the secure area of this Website. Payment methods other than those stated on this Website will not be accepted. We may pass your card details and personal details, as necessary, to the relevant third party, who may take payment for the product or service in accordance with its terms and conditions. We reserve the right to charge you any handling fees that we or the relevant third party may incur in respect of your application. You will be informed of any such charges before they are incurred.
15.3 Payment for other products or services should be made on the relevant third party website when applying for the product or service.
16. Privacy
16.1 We are committed to protecting your privacy and we treat your privacy very seriously. We process information about you in line with our Privacy Policy. By using this Website, you agree to the way in which we process and deal with your personal information.
16.2 We may disclose your personal information or access your account if required to do so by law, any court, the Financial Services Authority, the Office of Fair Trading or any other applicable regulatory, compliance, Governmental or law enforcement agency.
17. Miscellaneous
17.1 With the exception of certain travel products or services, this Website is only intended for use by residents of the United Kingdom. We make no warranty or representation that any product or service referred to on this Website and/or any service we provide is available or otherwise appropriate for use outside of the United Kingdom. If you choose to use this Website from locations outside the United Kingdom, you do so at your sole risk and you are responsible for compliance with all applicable local laws.
17.2 If any provision of these Terms of Use is held to be unlawful, invalid or unenforceable, that provision shall be deemed deleted from these Terms of Use and the validity and enforceability of the remaining provisions of these Terms of Use shall not be affected.
17.3 These Terms of Use constitute the entire agreement between you and us relating to your access to and use of this Website and supercedes any prior agreements (including any previous terms of use of this Website).
17.4 No failure or delay by us in exercising any right under these Terms of Use will operate as a waiver of that right nor will any single or partial exercise by us of any right preclude any further exercise of any right.
18. Governing law
18.1 These Terms of Use and your access to and use of this Website shall be governed by and interpreted in accordance with English law.
18.2 Each of you and us submits to the exclusive jurisdiction of the courts of England and Wales in connection with these Terms of Use and your access to and use of this Website (including any claims or disputes).
Part – 2 (Additional Terms)
Some products or services require additional terms and conditions to those set out above and these are detailed below:
19. Insurance products
19.1 Car, van, home, breakdown, bike, travel and pet Insurance online comparison service is powered by Seopa Ltd. Freepricecompare.com is owned by RBH London Ltd, who are an Introducer Appointed Representative of Seopa Ltd.The quote system is owned and operated by Seopa Ltd, who are authorised and regulated by the Financial Conduct Authority (FCA), number 313860. You can view our registration at http://www.fsa.gov.uk/register/firmSearchForm.do . Seopa Ltd is located at Blackstaff Studios, 8-10 Amelia Street, Belfast, BT2 7GS.
19.2 Life insurance online comparison is powered by RBH London LTD t/a Free Price Compare, who are authorised and regulated by the Financial Conduct Authority (FCA), number 658035. RBH London LTD is registered office is at 17 park road, London, EN5 5RY.
19.3 Before you apply for any insurance product, it is very important that you check all of the information held by the insurance provider about you to ensure it is true, correct, complete and accurate, that it is not misleading and that you have disclosed all relevant facts. It is your responsibility to identify and correct any mistakes or errors in the information held by the insurance provider about you before you apply for any product. Failure to correct any mistakes or errors in the information held by the insurance provider about you or a failure to disclose all relevant facts could invalidate your chosen insurance product.
19.4 The information you provide 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 insurance providers and a record of this search will be made although this will not adversely affect your credit profile.
19.5 Some insurance providers may pass loyalty scheme data to their insurance underwriters in order to assess and rate your cover and determine your premiums.
19.6 If you are in any doubt as to whether any information is relevant or required to be disclosed or that something may be incorrect you should disclose it to your proposed insurance provider before you apply for the insurance product. If you do not provide all such information or if you fail to tell your proposed insurance provider about any circumstances likely to influence their assessment of the risks involved, your proposed insurance provider may be able to treat your insurance policy as invalid.
19.7 It is very important and your responsibility to check all the information about you is true, correct, complete and accurate as incorrect information could invalidate your policy or lead to a claim being declined.
It is very important before you apply for any insurance product that you carefully read the terms and conditions of the product, the insurance provider’s terms and conditions and any other documentation that applies to the insurance product. You must familiarise yourself with all the details of the insurance product, for example, the restrictions, exclusions, conditions and obligations which apply to the insurance product. It is your responsibility to ensure that the insurance product matches your requirements and that you agree to the terms and conditions of the insurance product before you apply for it. We accept no responsibility or liability whatsoever for any loss or damage you may suffer or incur in the event that any insurance product you apply for does not meet your requirements or is not suitable for you.
19.8 You should be aware that insurers exchange information through various databases to help check information provided and to prevent fraudulent claims. Specifically, Insurance Database Services Limited (IDSL) hosts the Claims and Underwriting Exchange (CUE) which holds a record of incidents reported to insurance companies by policyholders and third party claimants. Insurers may validate the information provided by you, both about yourself and about any other person named on the application, against the information held on CUE and against other databases hosted by IDSL.
Insurers may use this information to consider whether to accept the risk. For details relating to information held about you on the Claims and Underwriting Exchange please visit insurancedatabases.co.uk
You should also make any other person named on the application aware of the ways in which information on them may be used.
20. Money products
20.1 Our money service allows you to search for and compare various types of products from different product providers.
You will need to answer a number of questions on this Website in order to compare any money product. These questions are designed to ensure that we and all relevant product providers have all the information necessary to provide you with appropria te and timely information relating to the products in which you are interested. It is very important that you answer all of the questions truthfully, completely and accurately and that you disclose all relevant facts.
In order to apply for a money product, you must contact the relevant product provider.
20.2 Before you apply for any money product, it is very important that you check all of the information held by the product provider about you to ensure it is correct, complete and accurate. It is your responsibility to identify and correct any mistakes or errors in the information held by the product provider about you before you apply for any money product.
20.3 If you are in any doubt as to whether any information is relevant or required to be disclosed or that something may be incorrect you should disclose it to your proposed product provider before you apply for the money product.
20.4 It is very important before you apply for any money product that you carefully read the terms and conditions of the product, the product provider’s terms and conditions and any other documentation that applies to the product. You must familiarise yourself with all the details of the product, for example, the interest rate, any early redemption charges, restrictions, exclusions, conditions and obligations which apply to the product. It is your responsibility to ensure that the product matches your requirements and that you agree to the terms and conditions of the product before you apply for it. We accept no responsibility or liability whatsoever for any loss or damage you may suffer or incur in the event that any product you apply for does not meet your requirements or is not suitable for you.
Stocks and Shares ISAs
20.5 You must be aged 18 or over and resident in the UK to use our Stocks and Shares ISA channel.
20.6 The Stocks and Shares ISA channel on this Website provides you with access to information on Stocks and Shares ISAs and a selection of investment funds that you may wish to consider investing in through a Stocks and Shares ISA. We have categorised the funds depending on the level of  risk we believe those funds involve and the process by which we do this and the different levels of risk are explained on this Website. The funds described on this Website will invest in a wide range of investments, including other funds and the performance of the funds (including any income you may receive) is not guaranteed. The performance of the funds will depend on many factors, including the performance of underlying investments selected by the fund managers. Some funds may involve exposure to investments in emerging markets, smaller companies and/or exposures to different currencies which may involve greater risk to the value of your investment. You should consider fully all information provided by the fund about the risks that particular products may involve.
20.7 Please be aware that the value of investments (including the investment funds described in our Stocks and Shares ISA channel) can fall as well as rise, and that you may not get back the full amount invested. Your investment is not guaranteed and the price of investments will depend on fluctuations in the financial markets, which are outside our control. Inflation may reduce the value of your investments over time. Past performance is not a guide to future performance and the favourable tax treatment of ISAs may not be maintained in the future if UK tax law and HM Revenue & Customs changes.
20.8 Please also be aware that once you have identified investments that are of interest to you, we will introduce you to the investment fund or to an ISA provider with whom you may then decide to complete the purchase. If you decide to proceed with your purchase of a Stocks and Shares ISA and/or investment funds you will do so only with that person and you will not enter into any contract with us. We will not hold or handle client money in respect of any product or service selected by you when using the Stocks and Shares ISA channel.
20.9 We are not responsible for, and we accept no liability in connection with, any act, omission, error or default by any investment fund or ISA provider or any other third party in the provision of any product or service, or the execution of, or any investment made by you. The provider of the product or service that you wish to purchase should provide you with all required information regarding the product or service as part of the process by which you make a purchase. This will include information on charges and expenses relevant to the product or service and the possible effect of those charges on the value of your investment over time. You should contact them directly should you require any further information about the product or service they offer.
20.10 If you purchase a product or service from any person having used our Stocks and Shares ISA channel you accept that in doing so we have not and will not provide you with any advice or make any recommendation in connection with any product or service on this Website (including as to its suitability, adequacy or appropriateness for you or for any other person). Information on this Website is provided for general information purposes only and is provided to assist you to consider whether the product or service may be appropriate for your needs.
20.11 If you are in any doubt as to the suitability, adequacy or appropriateness of any product or service, we suggest that you seek independent financial advice before you purchase any product or service.
20.12 In introducing you to ISA providers or investment funds, we may be remunerated by them for doing so in the form of commission based on transactions that you undertake with or through them or otherwise as we agree with them.
21. Travel products
21.1 Our travel service allows you to search for and compare various types of products from different product providers.
You will need to answer a number of questions on this Website in order to compare any travel product. These questions are designed to ensure that we and all relevant product providers have all the information necessary to provide you with appropriate and timely information relating to the products in which you are interested. It is very important that you answer all of the questions truthfully, completely and accurately and that you disclose all relevant facts.
21.2 Except in connection with travel insurance, in order to apply for a travel product, you must contact the relevant product provider. Further details on travel insurance products and the process for obtaining it are provided in paragraph 14 of these Terms of Use.
21.3 Before you apply for any travel product, it is very important that you check all of the information held by the product provider about you to ensure it is correct, complete and accurate. It is your responsibility to identify and correct any mistakes or errors in the information held by the product provider about you before you apply for any travel product.
21.4 If you are in any doubt as to whether any information is relevant or required to be disclosed or that something may be incorrect you should disclose it to your proposed product provider before you apply for the travel product.
21.5 It is very important before you apply for any travel product that you carefully read the terms and conditions of the product, the product provider’s terms and conditions and any other documentation that applies to the product. You must familiarise yourself with all the details of the product, for example, the minimum check in times, cancellations or modifications of bookings, refunds, visa or passport requirements, vaccination requirements, restrictions, exclusions, conditions and obligations which apply to the product. It is your responsibility to ensure that the product matches your requirements and that you agree to the terms and conditions of the product before you apply for it. We accept no responsibility or liability whatsoever for any loss or damage you may suffer or incur in the event that any product you apply for does not meet your requirements or is not suitable for you.
22. Home services products (utilities, broadband, shopping, mobile phones and motoring)
22.1 Our home services service allows you to search for and compare various types of products from different product providers.
You will need to answer a number of questions on this Website in order to compare any home services product. These questions are designed to ensure that we and all relevant product providers have all the information necessary to provide you with appropriate and timely information relating to the products in which you are interested. It is very important that you answer all of the questions truthfully, completely and accurately and that you disclose all relevant facts.
In order to apply for a home services product, you must contact the relevant product provider.
22.2 Before you apply for any home services product, it is very important that you check all of the information held by the product provider about you to ensure it is correct, complete and accurate. It is your responsibility to identify and correct any mistakes or errors in the information held by the product provider about you before you apply for any product.
22.3 If you are in any doubt as to whether any information is relevant or required to be disclosed or that something may be incorrect you should disclose it to your proposed product provider before you apply for the home services product.
22.4 It is very important before you apply for any home services product that you carefully read the terms and conditions of the product, the product provider’s terms and conditions and any other documentation that applies to the product. You must familiarise yourself with all the details of the product, for example, the restrictions, exclusions, conditions and obligations which apply to the product. It is your responsibility to ensure that the product matches your requirements and that you agree to the terms and conditions of the product before you apply for it. We accept no responsibility or liability whatsoever for any loss or damage you may suffer or incur in the event that any product you apply for does not meet your requirements or is not suitable for you.
23. User generated content (including discussion forums and user reviews)
23.1 You agree that any User Content will comply with this paragraph 23 and the User Content Standards.
23.2 You are not permitted to use this Website to:
• Collect email addresses or other contact information of others for the purposes of sending unsolicited emails or other unsolicited communications.
• Promote or encourage illegal activity.
• Do anything that is unlawful, harmful, fraudulent, threatening, defamatory, embarrassing, distressing, infringing, abusive, inflammatory, intimidating, harassing, libellous, stalking, profane, obscene, indecent, inappropriate, hateful, discriminatory or racially, ethnically, sexually or otherwise objectionable or for the purpose of harming or attempting to harm minors in any way.
• Do anything which violates the rights of others (such as rights of privacy).
• Impersonate any other person or falsely state or otherwise misrepresent yourself.
• Upload, post, transmit, distribute, share, store or otherwise make publicly available any personal information of any other person including names, addresses, phone numbers and email addresses.
• Upload, post, transmit, distribute, modify, reproduce, share, store or otherwise make publicly available any information, material, data or content that infringes any patent, trade mark, trade secret, copyright or other intellectual property right of any other person.
• Send any unsolicited or unauthorised advertising, promotional materials, ‘junk mail’, ‘spam’, ‘chain letters’ or any other form of such solicitation.
• Post links to alternative community groups or forums except with our prior written consent.
23.3 We reserve the right, but have no obligation, to review or monitor any User Content. We are not responsible or liable for the review or monitoring of any User Content.
23.4 We reserve the right to close, delete, edit, refuse to post, amend, modify or remove (without notice) any User Content at our sole discretion for any reason, including without limitation User Content that in our sole opinion breaches these Terms of Use.
23.5 You agree that any information you provide to us about yourself will be true, accurate and complete, and that you will ensure that this information is kept accurate and up-to-date at all times.
23.6 You agree that we may disclose your identity (including your name, email address and contact details) if required to do so by law, any court, the Financial Services Authority, the Office of Fair Trading or any other applicable regulatory, compliance, Governmental or law enforcement agency.
23.7 We advise you to think very carefully before posting or uploading any personally identifiable information about you on this Website.
23.8 If you consider that any User Content breaches these Terms of Use or the User Content Standards, please email [email protected] or click on the “Report Abuse” button in the discussion forums section of this Website.
24. Vouchers
24.1 Voucher codes are provided to us by third parties over whom we do not have control. We do not guarantee or warrant that the voucher codes are valid. You must check that any discounts have been applied prior to making any purchase using any voucher code. We are not responsible or liable for any loss or damage you may suffer or incur in connection with any voucher codes.
