Terms and Conditions of Use
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mustard.co.uk is a trading name of the H Bauer Publishing Limited Partnership (company number LP003328) which for general insurance distribution is an Appointed Representative of Vast Visibility Limited, 8 Princes Parade, Liverpool, L3 1DL (company number 05866769) which is registered by the Financial Conduct Authority under Firm Reference Number 566973. You can check these details on the FCA Register.
We are neither an insurance broker nor an insurance company. We provide an independent online insurance comparison site. We do not offer any advice or make recommendations so you will need to make your own decisions on how you wish to proceed.
To contact us, please email email@example.com or telephone our customer service line on 0800 044 3731.
By using our Site, you confirm that you accept these Terms and that you agree to comply with them.
If you do not agree to these Terms, you must not use our Site.
We recommend that you print a copy of these Terms for future reference.
These Terms refer to the following additional terms, which also apply to your use of our site:
Our Site is directed to people residing in the United Kingdom. We do not represent that content available on or through our site is appropriate for use or available in other locations.
This Site is only for personal use by a private individual or a business seeking an insurance price comparison directly for itself. This Site should not be used for commercial use or price scraping.
You should not use this Site to obtain quotations for persons other than yourself.
If you are trying to obtain a quotation for a relative or person of reduced or limited understanding you should phone the quotation helpline 0330 022 6165 and explain the circumstances. It could be a criminal offence to obtain insurance for someone else.
Access to our Site is provided free of charge.
We may update and change the Site from time to time to reflect changes to our services, our users' needs and our business priorities. We may also suspend or withdraw the Site.
We are not liable if for any reason our Site is unavailable at any time or for any period. We may from time to time restrict access to our Site.
Whilst we make reasonable efforts to update the information on our site, we make no representations, warranties or guarantees, whether express or implied, that the content on our Site is accurate, complete or up to date.
We amend these Terms from time to time. Every time you wish to use our Site, please check these terms to ensure you understand the terms that apply at that time. These Terms were most recently updated on May 2018.
If you choose or 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. You must not disclose it to any third party.
We have the right to disable any user identification code or password, whether chosen by you or allocated by us, at any time, if in our reasonable opinion you have failed to comply with any of the provisions of these Terms.
If you know or suspect that anyone other than you knows your user identification code or password, you must promptly notify us at: firstname.lastname@example.org
We are a web based insurance intermediary and provide an online comparison service.
The Site obtains details of your insurance requirements by asking questions and displaying insurance options based upon your answers.
To do this we will
We do not offer any advice or make recommendations so you will need to make your own decisions on which choice of insurance you select and how you wish to proceed.
You must answer all questions honestly and to the best of your knowledge. Your quotation will be based on the answers you give and if you do not tell the truth or if you mislead or omit important information then the premium may be wrong. This means that insurance companies might not pay a claim and you may also lose your premium. You might also have to pay compensation or be charged with fraud.
If you are in doubt about what to do, please phone the quotation helpline 0330 022 6165. Please note that this also applies to anyone else who will be covered under any policy. You must also answer questions about them honestly and to the best of your knowledge. You should check matters of fact with them to ensure accuracy.
We will not ask you to pay us anything. If you purchase insurance through this website the insurance company or insurance broker that provides insurance will be charged a fee but the price that you pay to them will not be any higher than if you went to them directly. We may also receive income from any other companies that you are introduced to.
To accept a quotation from one of the Insurance brokers we will invite you to either:
Before you purchase a policy you must check all the information the insurance company or insurance broker holds about you is correct. It is your responsibility to ensure all details are correct as failure to do so could result in your insurance being invalid. We do not accept any responsibility or liability for any loss or damage you may incur or suffer if any information held by the insurance company or insurance broker is not correct.
It is also important that you read their Terms and Conditions as they will vary with each insurance company or insurance broker, as may any fees they charge, or any credit facilities they are able to provide to you. Please also make sure that you are aware of and understand their cancellation fees.
As we have no control of the identity of the insurance companies that insurance brokers offer, you should check and ensure that you are happy to have your insurance with them. You should satisfy yourself as to the insurance companies solvency and ensure that they are regulated by the Financial Conduct Authority and that they are covered by the Financial Services Compensation Scheme and the Financial Ombudsman Service.
We are the owner or the licensee of all intellectual property rights in our Site, 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 print off one copy, and may download extracts, of any page(s) from our Site for your personal use and you may draw the attention of others within your organisation to content posted on our Site.
You must not modify the paper or digital copies of any materials you have printed off or downloaded in any way and you must not use any illustrations, photographs, video or audio sequences or any graphics separately from any accompanying text.
Our status (and that of any identified contributors) as the authors of content on our Site must always be acknowledged.
You must not use any part of the content on our Site for commercial purposes without obtaining a licence to do so from us or our licensors.
If you print off, copy or download any part of our Site in breach of these Terms, your right to use our Site will cease immediately and you must, at our option, return or destroy any copies of the materials you have made.
The insurance brokers or insurance companies you are introduced to via our Site will have their own Data Protection Policies which will set out what information they will collect and how they will deal with it and you should review these policies before accepting any quotation. They and the other providers linked to our service are not entitled to use your information for general marketing purposes unless you have consented to this directly with them. We will not overwrite any existing marketing preferences you have previously set up with product providers.
Monitoring of website activity and or communications may take place in accordance with UK law for training and development purposes or for other legitimate interests such as crime prevention. Further information is available at www.ico.org.uk.
Our Software is complex and highly sophisticated; however we acknowledge that sometimes mistakes might still occur. When we share your details with insurers it is not changed in anyway and we make every effort to transmit your details correctly. You are then responsible to choose who you deal with.
We cannot guarantee solvency or ability of any of the parties we introduce you to but they are all authorised and regulated by the Financial Conduct Authority, (the FCA require them and us to have insurance to cover errors, handle any complaints promptly and treat you fairly, and provide access to the Financial Services Compensation Scheme and the Financial Ombudsman Service).
Our service to you is provided without charge and as a result we cannot be held responsible for any unidentifiable errors that might occur in the exchange of this information. If it is subsequently found to be incorrect as a direct and provable result of our negligence, our liability to you for the services we provided directly to you, (and not any service provided by others including our partners) shall not exceed £1,000,000 in connection with any one event or connected events, except in respect of injury to or the death of any person resulting from our negligence.
We do not seek to restrict our liability in law in connection with matters covered by Financial Services and Markets Act 2002 (FSMA), as amended or any conduct of business rules developed pursuant to FSMA nor to restrict or exclude our liability where it would be illegal or unfair to do so.
We would remind you that it is your responsibility to make sure your insurance broker and insurer have the correct information necessary to insure you on the right basis. You should not buy insurance without checking to make sure your details are correct. When you receive documents from your broker or insurer you should check again that the details are correct.
Please note that we only provide our Site for domestic and private use. You agree not to use our Site for any commercial or business purposes and we have no liability to you for any loss of profit, loss of business, business interruption, or loss of business opportunity.
If for any reason we let you down, please let us know by contacting our customer services department on 0800 044 3731 or e-mail us at: email@example.com or write to the Customer Services Department at Vast Visibility, 8 Princes Parade, Princes Dock Liverpool, L3 1DL.
If we are unable to satisfy you, we will advise you if you have the right to take your complaint to the Financial Ombudsman Service who can be contacted at: Exchange Tower, London, E14 9SR. Telephone: 0800 023 4567; Email: firstname.lastname@example.org; Website: www.financial-ombudsman.org.uk.
If you have any queries regarding your insurance policy e.g. missing documents, change of details, price etc. you should contact the insurance company or insurance broker whose policy you selected (we do not have a record of the identity of the insurance company or insurance broker with whom our clients select to take policies out).
If you have any queries regarding an insurance quotation please contact the telephone helpline numbers listed on the Site.
If you wish, you can make a complaint via the European Online Dispute Resolution platform (ODR platform). The ODR platform http://ec.europa.eu/odr is a website which helps customers who've bought something online in the EU if a dispute arises. The platform will send your complaint to a certified Alternative Dispute Resolution Provider who works to solve the problem. In the UK that would be the UK Financial Ombudsman Service whose website details are shown above.
We provide links to third party websites as part of our service. We are unable to accept any liability for any statements, information, content, products or services that are published on, or may be accessible from, these third party sites. We are also unable to guarantee that they are free from viruses or anything else that could be infectious or destructive.
Such links should not be interpreted as approval by us of those linked websites or information you may obtain from them.
We have no control over the contents of those sites or resources.
This Site is intended for use of UK residents only and due to this; applications from non-UK residents will not be accepted. These Terms shall be governed and construed in accordance with English Law. Any legal action or proceedings arising shall fall within the jurisdiction of the courts of England and Wales except that, if you are a consumer and are a resident of Northern Ireland you may also bring proceedings in Northern Ireland, and if you are a consumer and a resident of Scotland, you may also bring proceedings in Scotland.