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Home >> Previous Page >> Terms & Conditions

Terms and Conditions of Use

We have taken every effort to design UK Insurance Index to be useful, informative, helpful and honest. Hopefully we’ve accomplished that — and would ask that you let us know if you’d like to see improvements or changes that would make it even easier for you to find the information you need and want.

All we ask is that you agree to abide by the following Terms and Conditions. Take a few minutes to look them over because by using our site you automatically agree to them. Naturally, if you don’t agree, please do not use the site. We reserve the right to make any modifications that we deem necessary at any time. Please continue to check these terms to see what those changes may be! Your continued use of the UK Insurance Index Web site means that you accept those changes.

Thanks for visiting!

TERMS OF USE

(1) Introduction
These terms of use govern your use of our website; by using our website, you accept these terms of use in full. If you disagree with these terms of use or any part of these terms of use, you must not use our website.

If you submit a website, article, review or comment to our directory, we will ask you to expressly agree to these terms of use.

(2) Licence to Use This Website
Unless otherwise stated, we or our licensors, advertisers or merchants own the intellectual property rights in the website and material on the website. Subject to the licence below, all these intellectual property rights are reserved.

You may view, download for caching purposes only, and print pages from the website for your own personal use, subject to the restrictions set out below and elsewhere in these terms of use.

You must not:

(a) republish material from this website (including republication on another website);
(b) sell, rent or sub-license material from the website;
(c) show any material from the website in public;
(d) edit or otherwise modify any material on the website (other than editing your own reviews, comments or directory submissions using our website interface);
(e) reproduce, duplicate, copy or otherwise exploit material on our website for a commercial purpose; or
(f) redistribute material from this website except for content specifically and expressly made available for redistribution such as our RSS news feeds.

Where content is specifically made available for redistribution such as RSS feeds, it may only be redistributed within your organisation.
We reserve the right to restrict access to areas of our website, or indeed our whole website, at our discretion.

(3) Use of Information
All content published on UK Insurance Index at www.uk-insurance-index.co.uk is intended for United Kingdom residents only. All content published on this website represents the personal views of the website owner, third party contributors and affiliates and is provided as information only. In no way should any of the content of this website be considered as financial advice or a recommendation that any product or course of action is suitable for your needs or circumstances. You should take advice from a UK regulated financial adviser before buying any products or services published on this website to ensure that they are suitable for your needs. You can find a database of independent financial advisers at www.unbiased.co.uk. UK Insurance Index does not provide advice on any insurance or financial products whatsoever and only provides the information on and links to third party insurance providers as a service to our users. Any reliance you place on the product and company information published on this website is entirely at your own risk.

(4) Our Directory
The UK Insurance Index directory is a whole-internet directory that allows free basic listings and allows you to create a sponsor account to pay for priority sponsored listings that will appear at the top of their category(-ies). Inclusion in the UK Insurance Index Directory is not guaranteed and is subject to the terms listed below, and at the editors discretion. You may choose to submit your site through our "Add Your Site" link from any of our directory pages. You will receive a confirmation e-mail after you submit your link. It is important to follow the link in this e-mail by cutting the link and pasting into your browser window as soon as possible to confirm your link. It will then be considered for inclusion in our directory. This e-mail will also have a link where you can pay if your link is a business or commercial link.

You may create a sponsor account and sponsored links by following the "Priority Listings/Advertising" links from any of our directory pages. Response times for considering links may vary, depending on how many links we have received. Sponsored listings get first consideration, followed by other paid listings, and then free listings. Links are reviewed and added on business days, excluding weekends and holidays, unless the review staff chooses to work at those times. If your site offers services on a subscription basis, you must provide UK Insurance Index a password or subscription ID, which will be used solely to review your site and evaluate whether your site meets our listing criteria.

You will have the opportunity to identify and correct input errors prior to making your submission by reviewing the details you have entered into the submission form.

All submissions to our directory must meet the following basic criteria:
  • The listing title must start with your business or site name with a short descriptive statement following it.
  • The site must clearly define its purpose, products, and/or services.
  • Site descriptions that are not objective and contain phrases like "Coolest site on the web" will be edited. We reserve the right to edit any description.
  • The site must not appear in the Directory under a different URL unless it is linking to a different insurance product or service by the same site.
  • You must not submit to our directory incomplete websites, websites that are “under construction”, mirror websites, websites that are identical or very similar to websites already in our directory, made-for-AdSense websites, or websites the content of which consists wholly or mainly of affiliate links. You must not submit the same website to our directory more than once (even if the URL is different).
  • The site must be up and running at all times.
  • We do not accept adult sites, sites that focus on adult products, sites that promoted discrimination or hatred based on sex, creed, sexual orientation, or race or ethnicity.
  • We cannot re-review all the sites in our directory at all times. Because of this, a site with links to -- for example -- adult sites may inadvertently appear in our directory. We make no warranties on the content of sites in our directory. If we do find a site has changed and is no longer in compliance with our listing criteria we may remove the listing from our site immediately with no refunds of basic listing fees.
  • The site must be in the English Language or have an English version available.
  • You will be subscribed to our email newsletter and email list for link holders in our directory. If you would like to unsubscribe, change your email preferences, or subscribe to additional email lists, you may do so by following the instructions in the footer of any email you receive from our email list.
  • The person/company submitting the site must submit a valid name/company name and valid e-mail address so that we can contact you. Sponsors or sites with recurring listing fees must also submit a valid address/phone number.
  • Links on the site must function properly.
Your directory submissions must comply with the “acceptable use” and “submissions” provisions below.

If you make a sponsored directory submission, you will be asked to choose a user ID and password. You must ensure that your user ID and password are kept confidential. We may disable your user ID and password in our sole discretion without notice or explanation. You must keep your directory submissions up-to-date using our website interface.

Your directory submission will be individually reviewed within 7 days of receipt for a free listing and 24 hours for a sponsored paid listing.

Without prejudice to our other rights under these terms of use, we reserve the right to reject or delete submissions that in our reasonable opinion breach these terms of use or that do not in our reasonable opinion meet the additional guidelines for submissions published on our website. If we reject or delete a submission on [this / either] basis, we will refund any applicable charges.

If we accept your submission then, it will remain published on our website indefinitely, subject to termination or deletion in accordance with these terms of use.

We will not file a copy of these terms of use specifically in relation to each submission and, if we update these terms of use, the version to which you originally agreed will no longer be available on our website. For this reason, we recommend that you print and file a copy of these terms of use for future reference.

These terms of use are provided in the [English] language only.

(5) Free Submissions
Insurance sites may be added to our directory for free, as long as they are in compliance with our listing policies. Free listings do not include a logo and do not get as high of a priority for consideration for inclusion in our directory as Featured Listings, although we aim to review and add all sites as soon as we can. You may upgrade your free listing to a Featured Listing at any time you wish.

Our directory allows you to make free submissions of insurance websites, subject to the minimum listing criteria above.

We may delete free directory submissions at any time in our sole discretion with or without notice to you.

(6) Paid Submissions
You may choose to submit a Sponsored Listing for any insurance site, as long as it meets our listing criteria above. Sponsored listings will appear before other listings in their category and may appear in more than one category. Sponsored listings include a logo or picture if you choose. UK Insurance Index reserves the right to resize your logo if it is deemed too large, or to request a different picture if we feel that your picture is not appropriate for our directory for any reason.

Our current charges for Featured Listings are published on the link submit page and on your advertiser account home page. After you create a sponsored listing account, you can choose from several packages in amounts of £10.00 and up, with packages over £100 having bonuses. After you have paid for your package and your payment has been confirmed by UK Insurance Index, you may create as many listings as you would like within your sponsor account and choose to pay per click, per impression, or per day. Sponsored listings are subject to approval by UK Insurance Index based on our listing criteria the same as any other listing. Funds that have been used are non-refundable. Unused funds in your sponsor account may be refunded within 30 days of purchasing the advertising package. Remaining funds in your sponsored listing account will be refunded to you via the same method that you used to pay. Funds in a sponsored listing account will not be refunded as long as there are remaining listings in the account. You may edit the way you choose to pay (i.e. per click, per impression, or per week) at any time.

You must pay to us the submission charges in respect of a submission in advance, in cleared funds, in accordance with the instructions on our website. We may vary submission charges from time to time by posting new charges on our website. However, such variations will not affect submissions that have already been paid for.

(7) Acceptable Use
You must not use our website in any way that causes, or may cause, damage to the website or impairment of the availability or accessibility of the website; or in any way which is unlawful, illegal, fraudulent or harmful, or in connection with any unlawful, illegal, fraudulent or harmful purpose or activity.

You must not 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.

You must not 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.

You must not use data collected from our website or our directory to contact individuals or companies or other organisations (for any reason).

You must not use data collected from our website or our directory for any direct marketing activity (including without limitation email marketing, SMS marketing, telemarketing and direct mailing).

(8) Submissions and User Content
In these terms of use, “your submissions and user content” means all material (including without limitation text, reviews, comments, articles, images, audio material, video material and audio-visual material) that you submit to our website directory, or that you submit to our website using any other website feature.

You grant to us a worldwide, irrevocable, non-exclusive, royalty-free licence to use, reproduce, adapt, publish, translate and distribute your submissions in any existing or future media. You also grant to us the right to sub-license these rights, and the right to bring an action for infringement of these rights.

Your submissions and user content must not be illegal or unlawful, must not infringe any third party's legal rights, and must not be capable of giving rise to legal action whether against you or us or a third party (in each case under any applicable law).

Your submissions and user content (and their publication on our website) must not:

(a) be libellous or maliciously false;
(b) be obscene or indecent;
(c) infringe any copyright, moral right, database right, trade mark right, design right, right in passing off, or other intellectual property right;
(d) infringe any right of confidence, right of privacy, or right under data protection legislation;
(e) constitute negligent advice or contain any negligent statement;
(f) constitute an incitement to commit a crime;
(g) be in contempt of any court, or in breach of any court order;
(h) be in breach of racial or religious hatred or discrimination legislation;
(i) be blasphemous;
(j) be in breach of official secrets legislation;
(k) be in breach of any contractual obligation owed to any person;
(l) depict violence [in an explicit, graphic or gratuitous manner;
(m) be pornographic or sexually explicit;
(n) be untrue, false, inaccurate or misleading;
(o) consist of or contain any instructions, advice or other information which may be acted upon and could, if acted upon, cause illness, injury or death, or any other loss or damage;
(p) constitute spam;
(q) be offensive, deceptive, threatening, abusive, harassing, or menacing, hateful, discriminatory or inflammatory; or
(r) cause annoyance, inconvenience or needless anxiety to any person.

Your submissions and user content must be appropriate, civil, tasteful and accord with generally accepted standards of etiquette and behaviour on the internet.

You must not use our website to link to any website or web page consisting of or containing material that would, were it posted on our website, breach the provisions of these terms of use.

You must not submit to our website any submissions or content that are or have ever been the subject of any threatened or actual legal proceedings or other similar complaint.

We reserve the right to edit or remove any material submitted to our website, or stored on our servers, or hosted or published upon our website.

Notwithstanding our rights under these terms of use in relation to user submissions, we do not undertake to monitor the submissions, or the publication of the submissions on our website.

(9) Discontinuing Service
We reserve the right to discontinue our directory services (and the publication of our website) at any time in our sole discretion with or without notice.

If:

(a) you have paid for directory submission;
(b) your directory submission has been accepted in accordance with these terms of use and has been published on our website for a period of less than 12 months; and
(c) we discontinue the directory service;

we will refund to you such portion of your payment as we determine to be reasonable. Save as provided in this Section 8, you will not be entitled to any refund upon the discontinuance of our directory services.

(10) Limited Warranties
You acknowledge that some of the information published on this website is submitted by users, and that we do not always review, approve or edit such information. We do not warrant the completeness or accuracy of the information published on this website; nor do we commit to ensuring that the website remains available or that the material on the website is kept up-to-date.

To the maximum extent permitted by applicable law we exclude all representations, warranties and conditions relating to this website and the use of this website (including, without limitation, any warranties implied by law of satisfactory quality, fitness for purpose and/or the use of reasonable care and skill).

(11) Limitations and Exclusions of Liability
Nothing in these terms of use will: (a) limit or exclude our or your liability for death or personal injury resulting from negligence; (b) limit or exclude our or your liability for fraud or fraudulent misrepresentation; (c) limit any of our or your liabilities in any way that is not permitted under applicable law; or (d) exclude any of our or your liabilities that may not be excluded under applicable law.

The limitations and exclusions of liability set out in this Section and elsewhere in these terms of use: (a) are subject to the preceding paragraph; and (b) govern all liabilities arising under the terms of use or in relation to the subject matter of the terms of use, including liabilities arising in contract, in tort (including negligence) and for breach of statutory duty.

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

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

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.

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

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

You accept that we have an interest in limiting the personal liability of our officers and employees. Having regard to that interest, you accept that we are a limited liability entity and agree that you will not bring any claim personally against individual officers or employees in respect of any losses you suffer in connection with the website or these terms of use. This will not, of course, limit or exclude the liability of the company itself for the acts and omissions of our officers and employees.

You agree to the publication of comments, reviews and/or feedback relating to you, by others, on our website. You acknowledge that such comments, reviews and/or feedback may be critical or defamatory or otherwise unlawful; and you agree that you will not hold us liable in respect of any such comments, reviews and/or feedback, irrespective of whether we are aware or ought to have been aware of such comments, reviews and/or feedback.

(12) Indemnity
You hereby indemnify us and undertake to keep us indemnified against any 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 on the advice of our legal advisers) incurred or suffered by us arising out of any breach by you of any provision of these terms of use, or arising out of any claim that you have breached any provision of these terms of use.

(13) Breaches of These Terms of Use
Without prejudice to our other rights under these terms of use, if you breach these terms of use in any way, or if we reasonably suspect that you have breached these terms of use in any way, we may:

(a) send you one or more formal warnings;
(b) temporarily suspend your access to the website;
(c) permanently prohibit you from accessing the website;
(d) block computers using your IP address from accessing the website;
(e) contact your internet services provider and request that they block your access to the website;
(f) bring court proceedings against you for breach of contract or otherwise;
(g) delete and/or edit any or all of your directory or website submissions; and/or
(h) suspend and/or delete your account with the website.

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
This website provides information on and hyperlinks to third party websites not owned or operated by UK Insurance Index. These links are not recommendations. Although we take all reasonable steps to ensure that these third party websites are reputable, accurate and up to date, UK Insurance Index has no control over the contents of third party websites, and we accept no responsibility for them or for any loss or damage that may arise from your use of them. As such you access and use these third party websites and companies at your own risk.

Any activity you conduct with third party companies or websites linked to from uk-insurance-index.co.uk, including communication, correspondence and transactions are solely between you and that third party company or website. You agree that UK Insurance Index will not be responsible or liable for any loss or damage incurred as the result of any of your dealings or transactions with third party websites or companies.

(15) Merchant links
Our website includes links to third party merchant websites selling goods and/or services. We may earn an affiliate fee from a merchant if you click on that merchant's link on our website and subsequently make a purchase on the merchant's website.

The merchant links are not recommendations.

You acknowledge that:

(a) we do not vet third party merchants;
(b) we do not check, audit, monitor or control: the identity, credit worthiness or bona fides of third party merchants, the security of third party merchant websites, or the accuracy of the information published on third party merchant websites;
(c) we are not party to any contract for the sale or purchase of goods or services entered into between you and a third party merchant; and
(d) our website may contain information supplied by third party merchants, and we do not check, audit or monitor the accuracy of that information;

and accordingly we will not be liable to you in relation to any loss or damage arising out of any third party merchant website, any information supplied by a third party merchant, any offer made by a third party merchant, or any contract between you and a third party merchant.

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

(16) Trade Marks
UK Insurance Index and our logo 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.

The other registered and unregistered trade marks or service marks on our website are the property of their respective owners. Unless stated otherwise, we do not endorse and are not affiliated with any of the holders of any such rights and as such we cannot grant any licence to exercise such rights.

(17) Variation
We may revise these terms of use from time-to-time. Revised terms of use will apply to the use of our website from the date of the publication of the revised terms of use on our website. Please check this page regularly to ensure you are familiar with the current version.

(18) Assignment
We may transfer, sub-contract or otherwise deal with our rights and/or obligations under these terms of use without notifying you or obtaining your consent. You may not transfer, sub-contract or otherwise deal with your rights and/or obligations under these terms of use.

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

(20) Exclusion of Third Party Rights
These terms of use are for the benefit of you and us, and are not intended to benefit any third party or be enforceable by any third party. The exercise of our and your rights in relation to these terms of use is not subject to the consent of any third party.

(21) Entire Agreement
These terms of use, together with our privacy policy, constitute the entire agreement between you and us in relation to your use of our website, and supersede all previous agreements in respect of your use of this website.

(22) Law and Jurisdiction
These terms of use will be governed by and construed in accordance with English law, and any disputes relating to these terms of use will be subject to the exclusive jurisdiction of the courts of England and Wales.

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Copyright © UK Insurance Index. All rights reserved.
All directory listings, articles and reviews are provided as information only and do not constitute advice or a recommendation of any product or provider. If you use these insurers, we take no responsibility and give no guarantees, warranties or representations, implied or otherwise, for the content or accuracy of these third-party web sites or companies. If you have any doubts you should consult an authorised independent financial adviser for advice based upon your individual needs and circumstances. A database of advisers in your area is available at www.unbiased.co.uk.