This website (“ Website“) is owned and provided by Stickee Technology Limited (registered in England and Wales with company number 06711740) whose registered address is at 2 The Pavilions, Cranmore Drive, Solihull, West Midlands, B90 4SB and whose registered VAT number is GB 943186903.
This service is provided Stickee Technology Limited. Just Say Please Limited is authorised by the FCA with the Firm Reference Number (FRN) 727975.
Section 1 (applies to all products and services)
|2.1||We provide an independent online service which enables you to research and compare insurance, and other products or services provided by third parties whilst using this Website. Our comparison service is free for you to use. We receive a fee and/or commission from the third party product or service providers when you use our service to purchase products or services from them.|
|2.2||We also provide an independent service which enables you to obtain advice and assistance offline (for example over the telephone) after using this Website either from us or from a third party advisor in connection with certain insurance and other products or services. We do not charge you any fees or commissions for this service. We receive a fee and/or commission from the third party product or service providers when you use our service to purchase products or services from them.|
|2.3||Please be aware that nothing on this Website is, or shall be deemed to constitute, financial, investment or other advice or a recommendation or endorsement by us in respect of any product or service referred to on this Website. Information on this Website is provided for general information purposes only, should not be relied upon by you and is provided so that you can select the product or service that you feel is most appropriate to meet your needs. You should always check the suitability, adequacy and appropriateness of the product or service that is of interest to you and it is your sole decision whether to obtain or refrain from obtaining any product or service. If you are in any doubt as to the suitability, adequacy or appropriateness of any product or service referred to on this Website, we suggest that you seek independent professional advice before you obtain any product or service via this Website.|
|2.4||Please be aware that nothing on this Website or Websites provided by Stickee Technology Limited. is, or shall be deemed to constitute, an offer by us or any third party to sell to you any product or service or to enter into any contract with you in respect of any product or service. By submitting your details, you are making an offer to obtain the relevant product or service from the relevant third party on its terms and conditions that may be accepted or rejected. The contract for the product or service will only be concluded once your offer has been accepted. You will receive confirmation when your offer has been accepted.|
|2.5||We aim to provide uninterrupted access to this Website but we give no warranty as to the uninterrupted availability of this Website. We reserve the right to suspend, restrict or terminate your access to this Website at any time.|
|2.6||We reserve the right to add, amend, delete, edit, remove or modify any information, content, material or data displayed on this Website and without notice from time to time.|
|3.1||You are only permitted to access and use this Website for your personal, non-commercial purposes, meaning this Website may only be accessed and used directly by a private individual or by a business to seek a product or service directly for that individual or business and on their own behalf. Access to and use of this Website other than for your personal, non-commercial purposes is strictly prohibited.|
|3.2||You are not permitted to use this Website:
|3.3||You may operate a link to this Website provided you do so in a way that is fair and legal and does not damage our reputation or our Partners and Client’s reputations or take advantage of it, as determined by us. You must not operate a link to this Website in such a way as to suggest or imply any form of association, approval or endorsement by us. We reserve the right to require you to immediately remove any link to this Website at any time and we may withdraw any linking permission at any time.|
|4||Intellectual property rights|
|4.1||The copyright in the information, content, material or data displayed on this Website belongs to us or our licensors. You may temporarily print, copy, download or store extracts of information, content, material or data displayed on this Website for your own personal use, subject to the following conditions:
|4.2||All intellectual property rights including, without limitation, all copyright, design rights, patents, inventions, logos, business names, trading names, service marks and trade marks, internet domain names, moral rights, rights in databases, data, source codes, software, specifications, know how, processes and business methods (in all cases whether registered or unregistered and including all rights to apply for registration) in and relating to this Website (including information, content, material or data displayed on it) belong to us or our licensors and all such rights are reserved.|
|4.4||All rights in stickee.co.uk are owned by us.|
|4.5||You shall retain ownership of any views, opinions, reviews, ratings, comments, content or material you submit, display, distribute, upload, post, share, publish or otherwise make publicly available on or through this Website (“User Content”). You grant us a perpetual, irrevocable, transferable, worldwide, royalty free and unlimited licence to use, modify, keep, share, sell, save, copy, distribute, publish, display, excerpt, reproduce, utilise, extract, make available and transmit such User Content in any manner and for any purpose. Additional terms and conditions in relation to User Content (including discussion forums and user reviews) are set out in paragraph 18.|
Sections 5, 6 and 7 are important and you should read them carefully as they exclude or limit our liability to you and detail your responsibilities.
|5||Exclusions of liability|
|5.1||Nothing in these terms and conditions excludes or limits our liability for death or personal injury caused by our negligence or for our fraud, or excludes or limits our duties or any liability under the Financial Services and Markets Act 2000, as amended, (“FSMA”) or any conduct of business rules developed pursuant to FSMA.|
|5.2||We use reasonable endeavours to ensure that the data, material and information on the Website is accurate and to correct any errors or omissions as soon as practicable after being notified of them. However, we are not able to guarantee that the data, material and information on the Website is accurate or that there are no errors or omissions in the data, material and information.|
|5.3||We do not monitor, verify or endorse data, material and information submitted or provided by third parties which is included on the Website and you should be aware that such information may be inaccurate, incomplete or out of date. In particular, we do not monitor, verify or endorse the information or quotations collected from the product and service providers as presented to you on the Website. We are not responsible for any data, material or information included on the Website which has been provided by third parties.|
|5.4||We do not give any warranty that the Website is free from viruses or anything else which may have a harmful effect on any technology.|
|5.5||We are not responsible for any losses or damages arising from an inability to access the Website, from any use of the Website or from reliance on the data transmitted using the Website where such losses or damages are caused by any event beyond our reasonable control including as a result of the nature of electronic transmission of data over the internet.|
|5.6||We are not responsible or liable for any indirect losses or damages suffered or incurred by you or for any losses or damages suffered or incurred by you which were not foreseeable by us when you accessed or used the Website.|
|5.7||Some of our channels will provide you with access to third party websites who will host reviews about some of the products and services available. In some instances you may also be able to access user reviews directly on the Website. Regardless of whether you are transferred to a third parties website or read a user review on the Website, the views expressed therein do not represent our views or the views of our associated companies and we are not responsible or liable for the accuracy or content of any such views or expressions.
|6||Exclusion of our liability in respect of third party advice, assistance, websites and products or services|
|6.1||You can apply for a number of products and services via this Website. These products and services are not provided by us but are instead provided by third parties over whom we do not have control. It is your responsibility to satisfy yourself that you wish to obtain any product or service before doing so. We are not responsible or liable for any loss or damage you may suffer or incur in connection with any product or service you obtain after using this Website or for any acts, omissions, errors or defaults of any third party in connection with that product or service.|
|6.2||Please be aware that the information and descriptions of products and services on this Website may not represent the complete descriptions of all the features and terms and conditions of those products and services. You must ensure that you carefully read all the features and terms and conditions of any product or service before applying for it.|
|6.3||If you apply for and obtain any product or service, you will be contracting with a third party who will be providing that product or service to you on their own terms and conditions. It is your responsibility to ensure that you understand and agree with those terms and conditions before entering into a contract to obtain that product or service. We are not responsible or liable for any loss or damage you may suffer or incur in connection with the terms and conditions applying to any contract entered into by you with any third party in relation to any product or service or for any acts, omissions, errors or defaults of any third party in connection with those terms and conditions.|
|6.4||We provide links from this Website and from emails sent to you as part of our service to the websites of third parties. These websites are owned and operated by third parties over whom we do not have control. You access and use these third party websites at your sole risk and your sole discretion. You are solely responsible for any use of these third party websites and for any decision to obtain or refrain from obtaining any of the products or services available on such third party websites. Any links to third party websites are provided for your interest and convenience only. We do not endorse, recommend or accept responsibility for such third parties, their products or services, their websites or for any information, opinions or views given or advice provided by such third parties (whether on their websites or otherwise). We are not responsible or liable for any loss or damage you may suffer or incur in connection with your use of any third party websites or for any acts, omissions, errors or defaults of any third party in connection with their website.|
|6.6||Any views, opinions, advice or assistance which is given or provided to you by a third party after you have used this Website do not represent our views, opinions, advice or assistance and are not checked, monitored, reviewed, verified or endorsed by us. We do not endorse, recommend or take responsibility for any third party who provides you with any views, opinions advice or assistance. You act or refrain from acting on any third party’s views, opinions, advice or assistance at your sole risk and sole discretion and you are solely responsible for any decision to act or refrain from acting on such views, opinions, advice or assistance. We are not responsible or liable for any loss or damage you may suffer or incur in connection with such views, opinions, advice or assistance including in relation to their accuracy, truthfulness or completeness or for any acts, omissions, errors or defaults of any third party in connection with such views, opinions, advice or assistance.|
|6.7||Please be aware that whilst this Website provides information on a wide range of products or services, there may be other products or services available on the market which are not shown on this Website and which may be more appropriate or suitable for you than those shown on this Website.|
|7.1||You must take all reasonable precautions (including using appropriate virus checking software) to ensure that any information, content, material or data you provide (including User Content as described in paragraph 4.5) is free from viruses, spyware, malicious software, trojans, worms, logic bombs and anything else which may have a contaminating, harmful or destructive effect on any part of this Website or the websites of third parties or any other technology.|
|7.2||You may complete a registration process as part of your use of this Website which may include the creation of a username, password and/or other identification information. Any username, password and/or other identification information must be kept confidential by you and must not be disclosed to, or shared with, anyone. Where you do disclose to or share with anyone your username, password and/or other identification information, you are solely responsible for all activities undertaken on this Website using your username, password and/or other identification information.|
|7.3||You must check and ensure that all information, content, material or data you provide on this Website is correct, complete, accurate and not misleading and that you disclose all relevant facts. We do not accept any responsibility or liability for any loss or damage you may suffer or incur if any information, content, material or data you provide on this Website is not correct, complete and accurate or if it is misleading or if you fail to disclose all relevant facts.|
|7.4||Before you obtain any product or service from a third party, you must check all of the information, content, material or data held by the third party about you to ensure it is correct, complete, accurate and not misleading and that you have disclosed all relevant facts. It is your responsibility to identify and correct any mistakes or errors in the information, content, material or data held by the third party about you before you obtain any product or service. Failure to do so could invalidate the product or service provided by the third party. We do not accept any responsibility or liability for any loss or damage you may suffer or incur if any information, content, material or data held by the third party about you is not correct, complete and accurate or if it is misleading or if you have failed to disclose all relevant facts.|
|7.5||You must get permission from any other person about whom you propose to provide information before you provide it. In submitting any other person’s details, you are confirming to us that you have their permission to do so and that they understand how their details will be used.|
|7.6||You are solely responsible and liable for your conduct on this Website and for your User Content. You must ensure that:
|7.7||You agree that you will be liable to us for any damage, loss, claim, demand, liability or expense (including reasonable legal fees) that we may suffer or incur arising out of or in connection with your conduct on this Website and/or your User Content.|
|8||Your telephone calls|
|8.1||Telephone calls that you make to our customer services help line may be monitored and/or recorded. This will help us to train our staff and improve our service to you. A recording will only be used under proper and careful supervision. Our customer service help line is available Monday to Friday 9.00am to 5.30pm GMT.|
|9.1||Our aim is at all times to provide you with an excellent service. If you are unhappy with our service for any reason, please contact our Customer Services Team by writing to Stickee Technology Limited, 2 The Pavilions, Cranmore Drive, Solihull, West Midlands, B90 4SB, by telephone on 0121 704 5600 or by email to email@example.com.|
|9.2||We will aim to resolve your complaint within 48 hours. If we are not able to do so, we will provide you with an acknowledgement. After we have had an opportunity to investigate your concerns, we will issue you with a final response. Depending on the nature of your complaint and if you remain dissatisfied with our response, you may have the right to refer your case to the Financial Ombudsman Service at South Quay Plaza, 183 Marsh Wall, London, E14 9SR; telephone: 0800 023 4 567; email: firstname.lastname@example.org ; website https://www.financial-ombudsman.org.uk/. We will advise you if this right of referral applies to you.|
|9.3||If you are unhappy with any product you have obtained from a third party or have any complaint regarding any third party, you should address your complaint directly to that third party. If you require their contact details, please contact our Customer Services Team who will be happy to assist.|
|10.2||We may disclose your personal information or access your account if required to do so by law, any court, the Financial Conduct Authority (FCA), the Office of Fair Trading or any other applicable regulatory, compliance, Governmental or law enforcement agency.|
|11.1||With the exception of certain travel products or services, this Website is only intended for use by residents of the United Kingdom. We make no warranty or representation that any product or service referred to on this Website and/or any service we provide is available or otherwise appropriate for use outside of the United Kingdom. If you choose to use this Website from locations outside the United Kingdom, you do so at your sole risk and you are responsible for compliance with all applicable local laws.|
Section 2 (Additional Terms)
Some products or services require additional terms and conditions to those set out above and these are detailed below:
|13.1||Our insurance service allows you to search for and compare various types of insurance products from different insurance providers. You will need to answer a number of questions on the Website in order to compare or obtain a quote for any insurance product. These questions are designed to ensure that we and all relevant insurance providers have all the information necessary to provide you with appropriate and timely information relating to the products in which you are interested. The level of cover and the amount you will pay will be determined by the answers you provide to these questions. It is therefore very important that you answer all of the questions truthfully, completely and accurately and that you disclose all relevant facts. Failure to do so could invalidate the insurance product you purchase meaning you have no insurance cover. If your insurance product is invalid, claims may not be paid and you could be responsible for any third party costs if any event occurs where you would otherwise have been covered by the insurance product.|
|13.2||In order to apply for an insurance product, you must contact the relevant insurance provider. We will give you a direct link to their website and/or a dedicated telephone number along with any identification needed to access your details.|
|13.3||Before you apply for any insurance product, it is very important that you check all of the information held by the insurance provider about you to ensure it is true, correct, complete and accurate, that it is not misleading and that you have disclosed all relevant facts. It is your responsibility to identify and correct any mistakes or errors in the information held by the insurance provider about you before you apply for any product. Failure to correct any mistakes or errors in the information held by the insurance provider about you or a failure to disclose all relevant facts could invalidate your chosen insurance product.|
|13.4||The information you provide 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 insurance providers and a record of this search will be made although this will not adversely affect your credit profile.|
|13.5||Some insurance providers may pass loyalty scheme data to their insurance underwriters in order to assess and rate your cover and determine your premiums.|
|13.6||If you are in any doubt as to whether any information is relevant or required to be disclosed or that something may be incorrect you should disclose it to your proposed insurance provider before you apply for the insurance product. If you do not provide all such information or if you fail to tell your proposed insurance provider about any circumstances likely to influence their assessment of the risks involved, your proposed insurance provider may be able to treat your insurance policy as invalid.|
|13.7||Most insurance providers make certain assumptions about you. These will be different to any assumptions made by us about you. It is your responsibility to check the assumptions made by insurance providers as they form part of your contract with your selected insurance provider. If any assumption made by an insurance provider is incorrect, you must inform the insurance provider before you apply for any insurance product. Failure to do so could invalidate the insurance product.|
|13.8||You agree that we may use your data to send you renewal quotes as a reminder when your policy is due to expire and to highlight how we could continue saving you money. This involves reusing the data you previously supplied to us and some providers may carry out soft credit checks as part of this process. These searches will be visible on your credit file, but will be clearly noted as being for quotation purposes and they will not affect your chances of obtaining credit in the future.|
|13.9||It is very important and your responsibility to check all the information about you is true, correct, complete and accurate as incorrect information could invalidate your policy or lead to a claim being declined.
It is very important before you apply for any insurance product that you carefully read the terms and conditions of the product, the insurance provider’s terms and conditions and any other documentation that applies to the insurance product. You must familiarise yourself with all the details of the insurance product, for example, the restrictions, exclusions, conditions and obligations which apply to the insurance product. It is your responsibility to ensure that the insurance product matches your requirements and that you agree to the terms and conditions of the insurance product before you apply for it. We accept no responsibility or liability whatsoever for any loss or damage you may suffer or incur in the event that any insurance product you apply for does not meet your requirements or is not suitable for you.
|13.10||You should be aware that insurers exchange information through various databases to help check information provided and to prevent fraudulent claims. Specifically, Insurance Database Services Limited (IDSL) hosts the Claims and Underwriting Exchange (CUE) which holds a record of incidents reported to insurance companies by policyholders and third party claimants. Insurers may validate the information provided by you, both about yourself and about any other person named on the application, against the information held on CUE and against other databases hosted by IDSL.
Insurers may use this information to consider whether to accept the risk. For details relating to information held about you on the Claims and Underwriting Exchange please visit insurancedatabases.co.uk
You should also make any other person named on the application aware of the ways in which information on them may be used.