parechecker logo white

 

1. Terms of Use

These terms of use (comprised of Terms of Use, Privacy Policy) govern the use of CompareChecker.com and CompareChecker mobile applications. They include a binding Class action waiver and arbitration clause which affects your rights about how to resolve any dispute with Flex Luthor Limited. Please read fully.

 

It is important that you read all insurance documents issued to you and ensure that you are aware of the cover, limits and other terms that apply. Particular attention must be paid to any warranties and conditions as failure to comply with them could invalidate your policy.

If your use of the Website and /or Software results in the provision of incorrect information for whatever reason, it is your responsibility to identify the mistake on the insurance company's website. We do not accept any responsibility to you if your insurance is invalid as a result of the provision of incorrect information or relevant facts to a price comparison site or insurer for whatever reason.

If you have any doubt whether further information about you, not requested, is required to be disclosed to the insurer or if you think that something shown on an insurance company's website may be incorrect, it is your responsibility to contact the proposed insurer before you accept the quotation.

 

 

If you have any doubt whether further information about you, not requested, is required to be disclosed to the insurer or if you think that something shown on an insurance company's website may be incorrect, it is your responsibility to contact the proposed insurer before you accept the quotation.

 

CUSTOMER SERVICE, COMPLAINTS AND CONTACTING US

CompareChecker
Flex Luthor Limited
20-22 Wenlock Road
London
N1 7GU

 

Email: Support@comparechecker.com

 

We will endeavour to acknowledge receipt of Your complaint within 5 business days. We may combine the acknowledgement of the complaint with Our final response, but in any event We aim to resolve complaints at the earliest opportunity.

If You are unhappy with any product or service that You have purchased following your use of Our Website or Software, You should approach the provider of that product or service directly.

2. TRANSACTIONS CONCLUDED FOLLOWING USE OF OUR WEBSITE AND SOFTWARE

Our Website and Software are entirely free to use. However, following your use of Our Website and Software you may visit third party sites which may introduce You to the providers of products or services for a fee. We have no control over the contents of those sites or resources, and accept no responsibility for them or for any loss or damage that may arise from Your use of them.

It is up to You whether or not You chose to obtain products or services introduced or arranged by third parties following your use of Our Website and Software. However, if You do decide to do this, then Your use of any third party website including any payments You may make to them for their products and services will be governed by their terms and conditions of supply and not by these terms. You agree and acknowledge that You have read and agreed to the terms and conditions of any third party Website that You may access in your use of our Software. You acknowledge that We are not party to any contract you make with third party sites. We remind You that We cannot be responsible or liable for the content, advertising, products, services or the use You make of any third party Websites.

3. PRIVACY POLICY

Please read this section carefully. This section explains what information We collect about You, how We collect, use and store it and the circumstances upon which We can provide it to third parties.

 

3.1 Information that We collect from You:

 

To take advantage of some of the services offered via Our Website and Software You might be required to provide Us with certain information about Yourself. This may include doing things such as registering Your contact details or completing certain forms on Our Website or in Our Software. You may also be asked to provide us with information about Yourself if You wish to participate in any discussion forums, enter any contest or competition on Our Website or if You choose to contact us for any reason.

The nature of Our business is such that You may store on Our servers sensitive personal data as defined in the Data Protection Act 1998 (for example, information relating to Your health which might subsequently be required by third parties in order to provide insurance quotations). We will take appropriate measures to protect such sensitive personal data.

 

3.2 Cookies:

 

We may also collect information about Your computer, including where available Your IP address, operating system and browser type using a cookie file which is stored in the hard drive of Your computer/mobile device. Cookies help us to improve Our Website and deliver a better and more personalized service to You. They enable us to:

 

Š      personalise Your experience on Our Website/mobile applications;

Š      monitor general traffic patterns and usage of Our Website/mobile applications to help us to improve Our service.

Most browsers accept cookies automatically, but usually You can alter the settings of Your browser to prevent automatic acceptance. If You choose not to receive cookies, You may not be able to use certain features of Our Website.

 

3.3 Storage of Your personal data:

 

The personal information that We collect from You may be transferred to and stored outside of the European Economic Area.

As required by the Data Protection Act 1998, We follow strict security procedures in the storage and disclosure of personal information which You have provided via Our Website/mobile, to prevent unauthorised access. We shall take all reasonable steps to ensure Your personal details remain secure.

 

3.4 Uses made of Your information:

 

3.4.1 We or third parties acting on Our behalf may use Your Personal Information in the following ways:

 

Š      to store Your information for use by You immediately or at a later date with our Software;

Š      to contact You by letter, telephone, sms or e-mail to inform You about other products and services which may be of interest to You; and/or ;

Š      notify You of Our news, changes to the Website and Software, special events or other services We think may interest You; and/or to administer or develop Our Website and Software.

Š       

3.4.2 We also may need to disclose Your personal information:

 

Š      where it is necessary to comply with any applicable laws or to protect Ourselves or Our users (including exchanging information with other companies for the purposes of fraud protection), or;

Š      in the event that We sell Our business, in which case We may disclose Your personal data to the prospective buyer of Our business.

Š       

3.4.3 Your Rights:

 

If You do not agree with this Privacy Policy then You should not enter any of Your personal information on Our Website and in Our Software.

If at any time after You have provided personal information to Us and you want to object to your personal data being used by Us, you need to let Us know by sending an email to us at support@comparechecker.com. We will endeavour to process Your request as soon as possible, but in some cases it may take us up to 28 days to process Your request.

Our Privacy Policy applies solely to information submitted to Us through Our Website and Software. Please note that We are not responsible for what any third party content provider or other third party offering goods and services via websites linked to or visited following Your use of Our Website and Software may propose to do with any personal information that You may provide them. So please ensure that You also read their data protection and privacy terms and conditions very carefully before providing them with your personal information.

 3.5 Sending Invitations to your Contacts:

If you provide the contact details of contacts you agree that you have received the permission to do so and that you have the permission to send them your recommendation/invitation.

We use a third party message services to send these invitations so that recipients can be sure that they will not receive further messages/invitations from you if they do not wish to.

4. Feedback

 

Questions, comments and requests regarding Our Privacy Policy are welcomed and should be addressed via email to support@comparechecker.com.

If any part of these terms is found to be unlawful, invalid or unenforceable, that provision shall be deemed severed and where capable the validity and enforceability of the remaining provisions of these terms shall not be affected.

 

Any failure on Our part to enforce any right will not constitute a waiver of such rights.

These terms and conditions replace any previous terms and conditions regarding the use of Our Website and Software.

These terms and conditions are governed by and construed in accordance with English law.

 

5. GUIDANCE NOTES

The following sections form part of the terms and conditions and provide more specific guidance on certain products and services.

5.1 Insurance products and services

Our Website and Software allow you to send Your personal information to third party websites that allow You to compare insurance policies for various types of insurance products and services. We neither act as the provider or broker of these policies or as an agent for the provision of insurance policies.

 

We provide no endorsement of the third party websites You may visit following Your use of Our Website and Software. We explicitly do NOT provide advice or recommendation regarding their suitability or otherwise to you. Before You buy any policy through a third party website You should carefully read the terms of the policy, the insurer’s terms and conditions and any other relevant documentation which applies to the policy. You should always familiarise Yourself with all the details of any insurance policy that you are considering buying, for example, the restrictions, exclusions, conditions, assumptions, presumptions and obligations which apply to the policy. You must ensure that the policy matches Your requirements and that You agree to the terms of the policy before You place an order to purchase any insurance product or service. We accept no responsibility whatsoever in the event that any policy purchased by You following Your use of Our Website and Software does not meet Your requirements.

 

You acknowledge and agree that it is Your sole responsibility to ensure that all information provided to the third party websites is complete, accurate and not misleading. The information You supply 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 insurers and a record of this search will be made. If You are in any doubt as to whether any information is relevant You should disclose it. If You do not provide all such information Your selected insurer may decide to treat Your insurance policy as if it never existed.

 

It is the insurer’s responsibility to provide all relevant documentation to You and We can accept no responsibility in the event that You do not receive the documentation requested or expected.

You will be able to save your details on our system and use these as the basis for making amendments to information already provided by You in the future.  

 

Our Website and Software is free for You to use but to operate this service we may receive commissions and or other remuneration from the third party sites you may visit following your use of our website and Software.

6. Indemnification

 

6.1 DISCLAIMER. FLEX LUTHOR LTD, ITS AFFILIATES, THEIR RESPECTIVE OFFICERS, DIRECTORS, EMPLOYEES, AGENTS, SUPPLIERS, OR LICENSORS (COLLECTIVELY, “FLEX LUTHOR LTD PARTIES“) MAKE NO WARRANTIES OR REPRESENTATIONS ABOUT THE CONTENT OF THE APP AND THE UNDERLYING SOFTWARE, INCLUDING BUT NOT LIMITED TO ITS ACCURACY, RELIABILITY, COMPLETENESS, TIMELINESS OR RELIABILITY.  FLEX LUTHOR LTD PARTIES SHALL NOT BE SUBJECT TO LIABILITY FOR THE TRUTH, ACCURACY OR COMPLETENESS OF THE CONTENT OR ANY OTHER INFORMATION CONVEYED TO THE USER OR FOR ERRORS, MISTAKES OR OMISSIONS THEREIN OR FOR ANY DELAYS OR INTERRUPTIONS OF THE DATA OR INFORMATION STREAM FROM WHATEVER CAUSE.  YOU AGREE THAT YOU USE THE APP AND THE CONTENT AT YOUR OWN RISK.

 

WHILST FLEX LUTHOR LTD WILL MONITOR THE APP AND AIM TO FIX BUGS THAT IT SPOTS OR THAT ARE MADE KNOWN TO IT, FLEX LUTHOR LTD PARTIES DO NOT WARRANT THAT THE APP OR UNDERLYING SOFTWARE WILL OPERATE ERROR FREE OR THAT THE APP, ITS SERVER, OR THE CONTENT ARE FREE OF COMPUTER VIRUSES OR BUGS OR SIMILAR CONTAMINATION OR DESTRUCTIVE FEATURES. IF YOUR USE OF THE APP OR THE CONTENT RESULTS IN THE NEED FOR SERVICING OR REPLACING EQUIPMENT OR DATA, NO FLEX LUTHOR LTD PARTY SHALL BE RESPONSIBLE FOR THOSE COSTS.

 

THE APP AND CONTENT ARE PROVIDED ON AN “AS IS” AND “AS AVAILABLE” BASIS WITHOUT ANY WARRANTIES OF ANY KIND. FLEX LUTHOR LTD DOES NOT GUARANTEE THAT THE APP WILL WORK ALL THE TIME. FLEX LUTHOR LTD PARTIES DISCLAIM ALL WARRANTIES, INCLUDING, BUT NOT LIMITED TO, THE WARRANTIES OF TITLE, MERCHANTABILITY, NON INFRINGEMENT OF THIRD PARTIES RIGHTS, AND FITNESS FOR PARTICULAR PURPOSE.

 

FLEX LUTHOR LTD HAS TAKEN EVERY CARE IN THE PREPARATION IN THE CONTENT OF THE APP. FLEX LUTHOR LTD DISCLAIMS ALL WARRANTIES, EXPRESS OR IMPLIED, TO THE FULLEST EXTENT PERMITTED BY LAW, AS TO THE ACCURACY OF ALL INFORMATION CONTAINED HEREIN.

 

6.2 YOUR USE OF OUR SOFTWARE

 

YOU AGREE TO DEFEND, INDEMNIFY, AND HOLD HARMLESS FLEX LUTHOR LTD PARTIES FROM AND AGAINST ANY CLAIMS, ACTIONS OR DEMANDS, INCLUDING, WITHOUT LIMITATION, REASONABLE LEGAL AND ACCOUNTING FEES, ARISING OR RESULTING FROM YOUR BREACH OF THESE TERMS OR YOUR ACCESS TO, USE OR MISUSE OF THE FLEX LUTHOR LTD CONTENT, THE USER CONTENT AND/OR THE APP.  FLEX LUTHOR LTD SHALL PROVIDE NOTICE TO YOU OF ANY SUCH CLAIM, SUIT, OR PROCEEDING.  FLEX LUTHOR LTD RESERVES THE RIGHT TO ASSUME THE EXCLUSIVE DEFENCE AND CONTROL OF ANY MATTER WHICH IS SUBJECT TO INDEMNIFICATION UNDER THIS SECTION. IN SUCH CASE, YOU AGREE TO COOPERATE WITH ANY REASONABLE REQUESTS ASSISTING FLEX LUTHOR LTD’S DEFENCE OF SUCH MATTER.

 

7. Limitation of Liability

 

IN NO EVENT SHALL ANY FLEX LUTHOR LTD PARTY BE LIABLE FOR ANY DAMAGES WHATSOEVER (INCLUDING, WITHOUT LIMITATION, INCIDENTAL AND CONSEQUENTIAL DAMAGES, LOST PROFITS, OR DAMAGES RESULTING FROM LOST DATA OR BUSINESS INTERRUPTION) RESULTING FROM THE USE OR INABILITY TO USE THE APP AND THE CONTENT, WHETHER BASED ON WARRANTY, CONTRACT, TORT (INCLUDING NEGLIGENCE), OR ANY OTHER LEGAL THEORY, EVEN IF A FLEX LUTHOR LTD PARTY HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

 

FLEX LUTHOR LTD IS NOT LIABLE FOR ANY LOSS OR DAMAGE ARISING FROM THE USE OF ANY INFORMATION CONTAINED IN THE APP.

 

IN THE EVENT THE EXCLUSION OF IMPLIED WARRANTIES OR LIMITATION OF LIABILITY FOR INCIDENTAL OR CONSEQUENTIAL DAMAGES IS NOT ALLOWED, THE ABOVE LIMITATIONS OR EXCLUSIONS MAY NOT APPLY TO YOU.  IN ANY SUCH EVENT, THE LIABILITY OF FLEX LUTHOR LTD PARTIES SHALL BE LIMITED TO THE GREATEST EXTENT PERMITTED BY LAW.

 

WE ARE NOT ALLOWED TO EXCLUDE OR LIMIT LIABILITY FOR DEATH OR PERSONAL INJURY CAUSED BY OUR NEGLIGENCE, FOR FRAUD, OR IN CONNECTION WITH THE CONDITION THAT WE WILL USE REASONABLE CARE AND SKILL IN PROVIDING THE APP, OR FOR ANY OTHER LIABILITY WHICH MAY NOT BY APPLICABLE LAW BE EXCLUDED OR LIMITED AND WE DO NOT DO SO AND ANY STATUTORY RIGHTS YOU HAVE AS A CONSUMER ARE NOT AFFECTED.

 

8. Law and Jurisdiction

 

 

These Terms will be governed by English law. Any dispute arising from, or related to, these Terms shall be subject to the non-exclusive jurisdiction of the courts of England and Wales.

 

9. Class Action Waiver

 

IN THE EVENT THAT THE PROVISIONS OF  LIMITATION OF LIABILITY AND INDEMNIFICATION CLAUSE S ARE NOT ENFORCEABLE, WHERE PERMITTED UNDER THE APPLICABLE LAW, YOU AND FLEX LUTHOR AGREE THAT EACH MAY BRING CLAIMS AGAINST THE OTHER ONLY IN YOUR OR ITS INDIVIDUAL CAPACITY AND NOT AS A PLAINTIFF OR CLASS MEMBER IN ANY PURPORTED CLASS OR REPRESENTATIVE ACTION. Unless both you and Flex Luthor agree, no arbitrator or judge may consolidate more than one person’s claims or otherwise preside over any form of a representative or class proceeding.

 

10. Arbitration

YOU AGREE THAT ALL DISPUTES BETWEEN YOU AND FLEX LUTHOR LTD (WHETER OR NOT SUCH DISPUTE INVOLVES A THIRD PARTY) WITH REGARD TO YOUR RELATIONSHIP WITH US, INCLUDING WITHOUT LIMITATION DISPUTES REALTED TO THESE TERMS AND CONDITIONS, YOUR USE OF OUR WEBSITES AND MOBILE APPLICATIONS, AND/OR RIGHTS OF PRIVACY AND/OR PUBLICITY, WILL BE RESOLVED BY BINDING, INDIVIDUAL ARBITRATION UNDER LCIA RULES, WHICH RULES ARE DEEMED TO BE INCORPORATED BY REFERENCE INTO THIS CLAUSE.

 

THE NUMBER OF ARBITRATORS SHALL BE ONE. THE SEAT, OR LEGAL PLACE, OF ARBITRATION SHALL BE MANCHESTER, UNITED KINGDOM. THE LANGUAGE TO BE USED IN THE ARBITRAL PROCEEDINGS SHALL BE ENGLISH. THE GOVERNING LAW OF THE CONTRACT SHALL BE THE SUBSTANTIVE LAW OF ENGLAND.

 

 

CompareChecker.com, Flex Luthor Limited, 20-22 Wenlock Road, London, N1 7GU