Terms and Conditions

Summary

Access and use of this website ("Website") and its content is subject to the following terms and conditions of use ("Website Terms of Use"). By accessing the Website you confirm that you have read, understood and accept these Website Terms of Use.

In these Website Terms of Use, "we", "us" and "our" means iGO4 Partners and "you" and "your" means you, the Website user.

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Company information

The Website is made available to you by iGO4 Partners Limited, which is authorised and regulated by the Financial Conduct Authority, having its registered office at iGO4 House, Staniland Way, Peterborough, PE4 6JT. Registered in England and Wales number 6710272. Financial Services Register number 490061.

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Website access and availability

The Website and the information and services provided on or through the Website are directed at those who can access the Website from the United Kingdom and are intended for use solely by residents of the United Kingdom. Any online services and information we provide to you at your request will be in respect of insurance policies which are subject to English law. You must not use the Website or its content in countries where you are restricted or prohibited from doing so by local laws, regulations, codes and/or customs.

If you are provided with a user identification code, password or any other piece of information as part of our security procedures, you must treat such information as confidential and you must not disclose it to any third party. We have the right to disable any user identification code or password at any time, if in our opinion you have failed to comply with any of the provisions of these Website Terms of Use.

The website is provided on an "as is" and "as available" basis and, whilst we have taken care in the preparation of the Website, we do not warrant that you will always have access to the Website (in whole or in part) or that access to the Website will be uninterrupted or error-free at all times. In addition, we do not warrant that your use of the Website or any material downloaded from it will not cause damage to any property, including, but not limited to, loss of data or computer virus infection.

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Accuracy of information

Whilst we have taken all reasonable steps to ensure that the information published on the Website is accurate and up to date, we give no warranty and make no representation regarding the reliability, accuracy and completeness of the information on the Website and we accept no liability for any errors or omissions.

Certain information on the Website is provided by third parties and you acknowledge and agree that neither we nor our suppliers have any control over the accuracy or completeness of such third party information.

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Reliance on Information Posted

Commentary and other materials posted on our site are not intended to amount to advice on which reliance should be placed. We therefore disclaim all liability and responsibility arising from any reliance placed on such materials by any visitor to our site, or by anyone who may be informed of any of its contents.

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Our website services and terms of business

We offer an online quotation service, and an online cover service and (where this facility is available) an emailing of policy documents service by means of the Website.

The range of insurance products featured on the Website are arranged and administered by, or on behalf of, iGO4 Partners Limited. We reserve the right to change without notice the insurer(s) used in connection with the Website.

When you access the Website these Website Terms of Use will apply in respect of our services. We recommend that you read our terms of business carefully and that you print out a copy for your records.

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Policy documentation and information

If you wish to make use of one or more of our online services you will have online access to documentation and information in respect of the policies we arrange and administer through the Website, including key policy information, policy terms and conditions and other important legal information. Before applying for an online quotation or online cover or where the facility is available requesting documents to be emailed you should read this documentation and information carefully to ensure that you understand the contents. You may wish to print out this information and documentation for your records, although, should you choose to take out online cover through the Website and select to have them emailed to you (where the facility is available) all documentation will be emailed to you shortly after purchasing the policy. If the facility to email documentation is not available or if you choose to have all your documentation sent to you via post we will send you all documentation relating to your policy within 7 working days. You may find it helpful to consult our Knowledge Centre which you can access from the link on the Website's homepage.

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Copyright and use of website

You acknowledge that iGO4 Partners Limited or its related, affiliated or subsidiary companies is the owner or the licensee of all intellectual property rights in the Website, and in the material published on it. Those works are protected by copyright laws and treaties around the world. All such rights are reserved. You may only use the Website for your own private non-professional, lawful use and not for commercial purposes. You may display, retrieve, print, copy or download the content of the Website in whole or in part for your personal use only. You may not otherwise transfer, copy, distribute, upload, transmit, modify, publish or reproduce the content of the Website in whole or in part in any material form without prior written consent from iGO4 Partners Ltd or its related, affiliated or subsidiary companies.

Entry to, or interference with, the Website, with intent to corrupt, damage or deny service from the Website, or for any other commercial benefit, shall be taken seriously and we shall take such action as is necessary to protect the Website from any such activities in order to protect our intellectual property rights. In the event you undertake such activities, your right to use our Website will cease immediately.

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Trademarks

The name iGO4 Partners Limited and any other images, logos, icons and trademarks of iGO4 Partners Limited featured on the Website are the proprietary marks of iGO4 Partners Limited and/or other members of the Group. The names, images, logos and icons of third party companies, products or services featured on the Website are or may be the trademarks of their respective owners.

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Use of your personal information

In using the Website you agree to be bound by our Privacy Policy which forms part of these Website Terms of Use and you understand and agree that any personal information (including sensitive information) you provide through your use of the Website will be dealt with in accordance with our Privacy Policy. To access our Privacy Policy please click on the 'Privacy Policy' link provided at the bottom of every page of the Website.

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Limitation of liability

Nothing in these Website Terms of Use restricts or excludes our liability to you for death or personal injury caused by our negligence, or to the extent liability arises as a direct result of our fraud or wilful default.

Subject to the above and as specified in these Website Terms of Use, neither we nor other members of iGO4 Partners Limited shall be liable for any losses, damages, costs, claims, expenses or liabilities whatsoever (whether direct, indirect, special, consequential or otherwise) arising out of or in connection with:

  • the content of the Website
  • any unavailability of the Website or certain areas of the Website
  • any amendments or changes to the Website or its content
  • a distributed denial-of-service attack, viruses or other technologically harmful material that may infect your computer equipment, computer programs, data or other proprietary material due to your use of our Website or to you downloading of any material posted on it, or in any website linked to it
  • your use of the Website otherwise than in accordance with these Website Terms of Use.

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External links to and from the website

Some pages on the Website contain hypertext links to websites not operated or maintained by us ("Third Party Websites") which we hope will be of interest to you. You are reminded that when you enter Third Party Websites by means of hypertext links from the Website you will leave the Website and will be subject to the terms and conditions and privacy policies of those Third Party Websites. Similarly, if you enter the Website by means of hypertext links from Third Party Websites you will be subject to these Website Terms of Use.

Hypertext links to Third Party Websites are provided for your convenience only. You acknowledge and agree that we do not endorse and are not responsible in any way for the availability of, information or content displayed on, or software downloaded from, such Third Party Websites (including, without limitation, any advertisements about investment products and services) and we do not endorse or make any recommendation about products and services that are advertised or promoted on such Third Party Websites. We are not liable for any loss or damage which may arise from your use of any Third Party Websites.

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Security of email communications and documentation

We try to keep this Website secure. However we ask you to recognise when providing your information to us through our Website or when you send us or ask us to send you any of your confidential information by email, that the internet and email communications over the internet may not be secure. We cannot be responsible for any loss or unauthorised interception of information transmitted via the internet which is beyond our control. If you have selected to have your policy documents emailed to you (where this facility is available) we have increased our security by attaching your policy documents within the email as a PDF which is protected from alteration by using an electronic signature.

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Amendments to website terms of use

From time to time we may amend or update these Website Terms of Use and/or the content of the Website without informing you in advance. The Website will always display the current version of the Website Terms of Use. By using, and continuing to use, the Website you acknowledge that you accept any such amendments or updates and so we recommend that you review these Website Terms of Use and the content of the Website regularly.

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Governing law and jurisdiction

These Website Terms of Use are governed by the law of England and Wales and subject to the jurisdiction of the courts of England and Wales.

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