Insurance Confident Solutions is a trading name of Mortgage Confident Limited (Company Number 13240633) which is an appointed representative of The Openwork Partnership, a trading style of Openwork Limited which is authorised and regulated by the Financial Conduct Authority.

1. Introduction

1.1    These terms and conditions shall govern your use of our website.

1.2    By using our website, you accept these terms and conditions in full; accordingly, if you disagree with these terms and conditions or any part of these terms and conditions, you must not use our website.

1.3    If you register with our website, submit any material to our website or use any of our website services, we will ask you to expressly agree to these terms and conditions.

1.4    You must be at least 18 years of age to use our website; by using our website or agreeing to these terms and conditions, you warrant and represent to us that you are at least 18 years of age.

2.  Users outside the UK

2.1    Our website is directed at persons resident and situated in the UK and not at any other persons. 

2.2    We do not warrant that our website complies with the applicable laws or regulations of any jurisdiction outside the UK.

2.3    If you are resident or situated outside the UK, you must not access or use our website unless you are lawfully able to do so.

2.4    Subject to Section 11.1, we do not accept any liability for any loss or damage resulting from, or related to, the availability of our website or any of our website content to persons resident or situated outside the UK.

3. Copyright notice

3.1    Material on the Website is subject to Copyright, Trademark or License and you must not attempt to copy, remove or change and material on the Website.

3.2    Subject to the express provisions of these terms and conditions:

(a)    we, together with our licensors, own and control all the copyright and other intellectual property rights in our website and the material on our website; and

(b)    all the copyright and other intellectual property rights in our website and the material on our website are reserved.

4. Permission to use website

4.1    You may:

(a)    view pages from our website in a web browser;

(b)    download pages from our website for caching in a web browser;

(c)     print pages from our website for your own personal and non-commercial use, providing that such printing is not systematic or excessive;

(d)    stream audio and video files from our website using the media player on our website; and

(e)    use our website services by means of a web browser, subject to the other provisions of these terms and conditions.

4.2    Except as expressly permitted by Section 4.1 or the other provisions of these terms and conditions, you must not download any material from our website or save any such material to your computer.

4.3    You may only use our website for your own personal and business purposes; you must not use our website for any other purposes.

4.4    Except as expressly permitted by these terms and conditions, you must not edit or otherwise modify any material on our website.

4.5    Unless you own or control the relevant rights in the material, you must not:

(a)    republish material from our website (including republication on another website);

(b)    show any material from our website in public;

(c)     exploit material from our website for a commercial purpose; or

(d)    redistribute material from our website.

4.6    Notwithstanding Section 4.5, you may redistribute our newsletter in print and electronic form to any person.

4.7    We reserve the right to suspend or restrict access to our website, to areas of our website and/or to functionality upon our website. We may, for example, suspend access to the website during server maintenance or when we update the website. You must not circumvent or bypass, or attempt to circumvent or bypass, any access restriction measures on the website.

5. Misuse of website

5.1    You must not:

(a)    use our website in any way or take any action that causes, or may cause, damage to the website or impairment of the performance, availability, accessibility, integrity or security of the website;

(b)    use our website in any way that is unlawful, illegal, fraudulent or harmful, or in connection with any unlawful, illegal, fraudulent or harmful purpose or activity;

(c)     hack or otherwise tamper with our website;

(d)    probe, scan or test the vulnerability of our website without our permission;

(e)    circumvent any authentication or security systems or processes on or relating to our website;

(f)     use our website to copy, store, host, transmit, send, use, publish or distribute any material which consists of (or is linked to) any spyware, computer virus, Trojan horse, worm, keystroke logger, rootkit or other malicious computer software;

(g)    impose an unreasonably large load on our website resources (including bandwidth, storage capacity and processing capacity);

(h)    decrypt or decipher any communications sent by or to our website without our permission;

(i)     conduct any systematic or automated data collection activities (including without limitation scraping, data mining, data extraction and data harvesting) on or in relation to our website without our express written consent;

(j)     access or otherwise interact with our website using any robot, spider or other automated means, except for the purpose of search engine indexing;

(k)    use our website except by means of our public interfaces;

(l)     violate the directives set out in the robots.txt file for our website;

(m)   use data collected from our website for any direct marketing activity (including without limitation email marketing, SMS marketing, telemarketing and direct mailing); or

(n)    do anything that interferes with the normal use of our website.

5.2    You must not use data collected from our website to contact individuals, companies or other persons or entities.

5.3    You must ensure that all the information you supply to us through our website, or in relation to our website, is true, accurate, current, complete and non-misleading.

6. Enquiries and leads

6.1    Our website includes an enquiry form that you can use to request a referral to a suitable financial services professional (mortgage advisor, insurance advisor or financial advisor).

6.2    We may supply the information that you provide through the enquiry form to our financial service professionals or our carefully selected partner organisations (referred to in this Section 6 as “suppliers”).

6.3    Telephone and email enquiries that you make using the details published on our website will be directed to our financial service professionals or passed to a supplier.

6.4    Where a lead is referred to a supplier we will earn a fee in respect of each lead that we provide or a percentage of the commission of a lead provided to a supplier.

6.5    You acknowledge that:

(a)    we do not vet suppliers;

(b)    we do not check, audit, monitor or control: the identity, credit worthiness or bona fides of suppliers, the security of supplier websites, or the accuracy of the information published by suppliers;

(c)     we are not party to any contract for the sale or purchase of goods or services entered into between you and a supplier; and accordingly we will not be liable to you in relation to any loss or damage arising out of any use of a supplier website, any information provided by a supplier, any offer made by a supplier, or any contract with a supplier.

6.6    We are not responsible for the enforcement of any obligations arising out of a contract between you and any third party, and we will have no obligation to mediate between the parties to any such contract.

6.7    The provisions of this Section 6 are subject to Section 15.1.

7. Registration and accounts

7.1    To be eligible for an account on our website under this Section 7, you must be resident or situated in the United Kingdom.

7.2    You may register for our service with our website by completing and submitting the account registration form on our website.

8. Investments and investment decisions

8.1    Nothing on this website constitutes or is intended to constitute:

(a)    a financial promotion, an advertisement for any particular investment or investment business, or an invitation or inducement to engage in investment activity;

(b)    investment advice, including advice on the merits of buying, selling, subscribing for, underwriting or exercising rights in relation to a particular security or investment;

(c)     the making of an arrangement for another person to buy, sell, subscribe for or underwrite a security or investment; or

(d)    any financial service or activity regulated or controlled by or pursuant to UK financial services law or any other applicable law.

8.2    You should take professional financial advice in connection with, or independently research and verify, any information that you find on our website and wish to rely upon, whether for the purpose of making an investment decision or otherwise.

8.3    We would like to draw your attention to the following investment warnings:

(a)    the value of shares and investments and the income derived from them can go down as well as up;

(b)    investors may not get back the amount they invested; and

(c)     past performance is not necessarily a guide to future performance.

8.4    We are not regulated under UK financial services law.

9.    Report abuse

9.1    If you learn of any unlawful material or activity on our website, or any material or activity that breaches these terms and conditions, please let us know.

9.2    You can let us know about any such material or activity by using the online ‘Contact Us’ form on our website.

10. Limited warranties

10.1  We do not warrant or represent:

(a)    the completeness or accuracy of the information published on our website;

(b)    that the material on the website is up to date;

(c)     that the website will operate without fault; or

(d)    that the website or any service on the website will remain available.

10.2  We reserve the right to discontinue or alter any or all of our website services, and to stop publishing our website, at any time in our sole discretion without notice or explanation; and save to the extent expressly provided otherwise in these terms and conditions, you will not be entitled to any compensation or other payment upon the discontinuance or alteration of any website services, or if we stop publishing the website.

10.3  To the maximum extent permitted by applicable law and subject to Section 11.1, we exclude all representations and warranties relating to the subject matter of these terms and conditions, our website and the use of our website.

11. Limitations and exclusions of liability

11.1  Nothing in these terms and conditions will:

(a)    limit or exclude any liability for death or personal injury resulting from negligence;

(b)    limit or exclude any liability for fraud or fraudulent misrepresentation;

(c)     limit any liabilities in any way that is not permitted under applicable law; or

(d)    exclude any liabilities that may not be excluded under applicable law.

11.2  The limitations and exclusions of liability set out in this Section 11 and elsewhere in these terms and conditions:

(a)    are subject to Section 11.1; and

(b)    govern all liabilities arising under these terms and conditions or relating to the subject matter of these terms and conditions, including liabilities arising in contract, in tort (including negligence) and for breach of statutory duty, except to the extent expressly provided otherwise in these terms and conditions.

11.3  To the extent that our website and the information and services on our website are provided free of charge, we will not be liable for any loss or damage of any nature.

11.4  We will not be liable to you in respect of any losses arising out of any event or events beyond our reasonable control.

11.5  We will not be liable to you in respect of any business losses, including (without limitation) loss of or damage to profits, income, revenue, use, production, anticipated savings, business, contracts, commercial opportunities or goodwill.

11.6  We will not be liable to you in respect of any loss or corruption of any data, database or software.

11.7  We will not be liable to you in respect of any special, indirect or consequential loss or damage.

11.8  You accept that we have an interest in limiting the personal liability of our officers and employees and, having regard to that interest, you acknowledge that we are a limited liability entity; you agree that you will not bring any claim personally against our officers or employees in respect of any losses you suffer in connection with the website or these terms and conditions (this will not, of course, limit or exclude the liability of the limited liability entity itself for the acts and omissions of our officers and employees).

12. Indemnity

12.1  You hereby indemnify us, and undertake to keep us indemnified, against any and all losses, damages, costs, liabilities, and expenses (including without limitation legal expenses and any amounts paid by us to a third party in settlement of a claim or dispute) incurred or suffered by us and arising directly or indirectly out of your use of our website or any breach by you of any provision of these terms and conditions.

13. Breaches of these terms and conditions

13.1  Without prejudice to our other rights under these terms and conditions, if you breach these terms and conditions in any way, or if we reasonably suspect that you have breached these terms and conditions in any way, we may:

(a)    send you one or more formal warnings;

(b)    temporarily suspend your access to our website;

(c)     permanently prohibit you from accessing our website;

(d)    block computers using your IP address from accessing our website;

(e)    contact any or all of your internet service providers and request that they block your access to our website;

(f)     commence legal action against you, whether for breach of contract or otherwise; and/or

(g)    suspend or delete your account on our website.

13.2  Where we suspend or prohibit or block your access to our website or a part of our website, you must not take any action to circumvent such suspension or prohibition or blocking (including without limitation creating and/or using a different account).

14. Third party websites

14.1  Our website includes hyperlinks to other websites owned and operated by third parties; such hyperlinks are not recommendations.

14.2  We have no control over third party websites and their contents, and subject to Section 11.1 we accept no responsibility for them or for any loss or damage that may arise from your use of them.

15. Trade marks

15.1  InsuranceConfident.co.uk, Insurance Confident Solutions, MortgageConfident.co.uk, Mortgage Confident & Mortgage Confident Ltd., our logos and our other registered and unregistered trade marks are trade marks belonging to us; we give no permission for the use of these trade marks, and such use may constitute an infringement of our rights.

15.2  The third party registered and unregistered trade marks or service marks on our website are the property of their respective owners and, unless stated otherwise in these terms and conditions, we do not endorse and are not affiliated with any of the holders of any such rights and as such we cannot grant any license to exercise such rights.

16. Variation

16.1  We may revise these terms and conditions from time to time.

16.2  The revised terms and conditions shall apply to the use of our website from the date of publication of the revised terms and conditions on the website, and you hereby waive any right you may otherwise have to be notified of, or to consent to, revisions of these terms and conditions.

17. Assignment

17.1  You hereby agree that we may assign, transfer, sub-contract or otherwise deal with our rights and/or obligations under these terms and conditions.

17.2  You may not without our prior written consent assign, transfer, sub-contract or otherwise deal with any of your rights and/or obligations under these terms and conditions.

18. Severability

18.1  If a provision of these terms and conditions is determined by any court or other competent authority to be unlawful and/or unenforceable, the other provisions will continue in effect.

18.2  If any unlawful and/or unenforceable provision of these terms and conditions would be lawful or enforceable if part of it were deleted, that part will be deemed to be deleted, and the rest of the provision will continue in effect.

19. Third party rights

19.1  A contract under these terms and conditions is for our benefit and your benefit, and is not intended to benefit or be enforceable by any third party. 

19.2  The exercise of the parties’ rights under a contract under these terms and conditions is not subject to the consent of any third party.

20. Entire agreement

20.1  Subject to Section 15.1, these terms and conditions, together with our privacy and cookies policy, shall constitute the entire agreement between you and us in relation to your use of our website and shall supersede all previous agreements between you and us in relation to your use of our website.

21. Law and jurisdiction

21.1  These terms and conditions shall be governed by and construed in accordance with English law.

21.2  Any disputes relating to these terms and conditions shall be subject to the exclusive jurisdiction of the courts of England.

22. Our details

22.1  This website is owned and operated by Mortgage Confident Ltd.

22.2  We are registered in England and Wales under registration number 13240633 , and our registered office is at 3000 Aviator Way, Manchester Business Park, Manchester M22 5TG.

22.3  Our principal place of business is at 3000 Aviator Way, Manchester Business Park, Manchester M22 5TG .

23     How to make a Complaint

23.1  If you wish to make a complaint you can contact us:

(a)    by online form, using the online ‘Contact Us’ form on our website.