Terms & Conditions

This legal notice applies to the entire contents of the Website under the domain name, www.income-protection.co.uk (Website) and to any correspondence by e-mail between us and you. Please read these terms carefully before using the Website. Using the Website indicates that you accept these terms. If you do not accept these terms, please do not use the Website. Additional terms and conditions may apply to the products and services offered on this Site which will be drawn to your attention as necessary.

The Income Protection comparison service is provided by ActiveQuote Health Ltd. ActiveQuote Health Ltd is authorized and regulated by the Financial Services Authority Number 501109.

1. Governing Law & Jurisdiction

This legal notice shall be governed by and construed in accordance with English law. Disputes arising in connection with this legal notice shall be subject to the exclusive jurisdiction of the English courts.

Please ensure that you have read and understood these terms and conditions before you accept them. Please contact us if there is anything in these terms and conditions that you do not understand.

2. Disclaimer

Whilst we endeavour to ensure that all information on this Website is accurate and up to date, it is however provided on an “as is” basis and we do not accept any liability for any errors or omissions. We may make changes to the material on the Website and update our Terms & Conditions at any time without notice. Please visit this page regularly and refresh your browser to ensure the information is up to date.

3. Availability

Whilst we take all reasonable steps to ensure this website is available 24 hours a day we will not be held liable if, for any reason, the website is unavailable for any period. We may also have to suspend access to the website without notice in the case of system failure, maintenance or repair or for reasons beyond the Company's control.

4. Third Party Websites

Links to third party websites on the Website are provided solely for your convenience. If you use these links, you leave the Website. The Company has not reviewed all of these third party websites and does not control and is not responsible for these websites or their content or availability. The Company therefore does not endorse or make any representations about them, or any material found there, or any results that may be obtained from using them. If you decide to access any of the third party websites linked to the Website, you do so entirely at your own risk.

5. Licence

5.1 You are permitted to print and download extracts from the Website [for your own use] on the following basis:

  1. (a) no documents or related graphics on the Website are modified in any way;
  2. (b) no graphics on the Website are used separately from the corresponding text; and
  3. (c) the Company's copyright and trademark notices and this permission notice appear in all copies.

5.2 Unless otherwise stated, the copyright and other intellectual property rights in all material on the Website (including without limitation photographs and graphical images) are owned by the Company or its licensors. For the purposes of this legal notice, any use of extracts from the Website other than in accordance with this clause 5.1 for any purpose is prohibited. If you breach any of the terms in this legal notice, your permission to use the Website automatically terminates and you must immediately destroy any downloaded or printed extracts from the Website.

5.3 Subject to clause 5.1, no part of the Website may be reproduced or stored in any other website or included in any public or private electronic retrieval system or service without the Company's prior written permission.

Any rights not expressly granted in these terms are reserved.

Use of Personal Information for Marketing Purposes

We will keep you informed by e-mail about products or services that you have purchased. We may also occasionally send you e-mail information with news or about other products and services that we believe could be of use to you. In these e-mails we will include a clear and easy method for you to opt out of receiving similar e-mails in the future.

6. Liability

The Company, any other party (whether or not involved in creating, producing, maintaining or delivering the Website), and any of the Company's group companies and the officers, directors, employees, shareholders or agents of any of them, exclude all liability and responsibility for any amount or kind of loss or damage that may result to you or a third party including without limitation, any direct, indirect, punitive or consequential loss or damages, or any loss of income, profits, goodwill, data, contracts, use of money, or loss or damages arising from or connected in any way to business interruption, and whether in tort, including without limitation negligence, contract or otherwise in connection with the Website in any way or in connection with the use, inability to use or the results of use of the Website, any websites linked to the Website or the material on such websites, including but not limited to loss or damage due to viruses that may infect your computer equipment, software, data or other property on account of your access to, use of, or browsing the Website or your downloading of any material from the Website or any websites linked to the Website.

Nothing in this legal notice shall exclude or limit the Company's liability for:

  1. death or personal injury caused by negligence [(as such term is defined by the Unfair Contract Terms Act 1977; or
  2. fraud; or
  3. misrepresentation as to a fundamental matter; or
  4. any liability which cannot be excluded or limited under applicable law.

Income-Protection.co.uk is a trading style of ActiveQuote Health Ltd registered in England & Wales company number 6765845. ActiveQuote Health Ltd, 1st Floor, Cambrian Buildings, Mount Stuart Square, Cardiff Bay, CF10 5FL. Authorised and Regulated by the Financial Services Authority (FSA) number 501109.