1. Definitions

1.1 “You” and “Your” means the person who wishes to use the Website.

1.2 “We” “Us” and “Our” means Philip Greenwood of Riviera Court, 122 St Katherines Way, London, the company, its employees, subsidiaries, affiliates, licensors, service providers, content providers, agents, officers, and directors and its successors and includes any other person or business to whom We may transfer Our rights under these terms and conditions.

1.3 “Website” means a site on the World Wide Web located at this domain, including its sub-domains and sub-directories.

1.4 “Product Provider” means the manufacturer, supplier, distributor or provider of any product or service advertised on the Website or made available via the Website.

2. General Terms of Use

These terms and conditions shall apply to Your use of the Our websites, sub-domains and sub-directories (the Website). By using the Website You agree to be bound by the terms and conditions and accept the disclaimers and policies set out below and if you do not wish to be bound by these terms and conditions you should not use the Website. We reserve the right to alter these terms and conditions from time to time but if we do so we shall post any such changes on the Website. Your continued use of the Website shall constitute acceptance of the amended terms and conditions.

3. Use of the website

You agree that Your use of the Website shall at all times be in accordance with the following conditions:

3.1 You will not do anything that affects the integrity or security of the Website or causes or may cause harm, detriment or unreasonable inconvenience to other users of the Website or any person or entity otherwise connected with Us.

3.2 Use of Our Website is permitted for private non-commercial purposes only.

3.3 You will not gather, extract, download, reproduce and/or display on any other website or other online service or otherwise, any material on or from the Website, including but not limited to information relating to insurance prices, whether or not by the use of spiders, data mining, trawling or other ‘screen scraping’ software or system used to extract data;

3.4 We will determine whether there has been a breach of these terms and conditions through Your use of the Website. If a breach of these terms and conditions has occurred We may take such action as We deem appropriate including denying You access to the Website, bringing legal proceedings against You and disclosing such information to such legal or regulatory bodies as We feel appropriate.

3.5 You acknowledge and accept any notices and disclaimers that are made on this the Website.

4. Your obligations

4.1 It is Your responsibility to ensure that all information You supply to Us or enter onto the Website is complete and accurate.

4.2 You will need to answer a number of questions on the Website in order to compare or obtain a quote for any product. These questions are designed to ensure that We and all relevant Product Providers have all of the information necessary to provide You with appropriate and timely information relating to the Products and/or services in which You are interested.

5. Affiliate Supported Website

This is an affiliate advert supported website. If You click on a link or graphic on this website we may get paid on the basis of the click or an action you take subsequent to the click, including the purchase of a product or service or the submission of information to a third party.

6. Earnings and Income Disclaimer

Any earnings or income statements, or earnings or income examples, are only estimates of what We think you could earn. There is no assurance You will do as well. If you rely upon our figures, you must accept the risk of not doing as well. Where specific income figures are used, and attributed to an individual or business, that those persons or businesses have earned an amount, there is no assurance you will do as well. If You rely upon Our figures; you must accept the risk of not doing as well. Any and all claims or representations, as to income earnings on this web site, are not to be considered as average earnings. Testimonials are not representative. There can be no assurance that any prior successes, or past results, as to income earnings, can be used as an indication of your future success or results. Monetary and income results are based on many factors. We have no way of knowing how well you will do, as we do not know you, your background, your work ethic, or your business skills or practices. Therefore We do not guarantee or imply that You will win any incentives or prizes that may be offered, get rich, that you will do as well, or make any money at all. Business ventures and earnings derived therefrom, have unknown risks involved, and are not suitable for everyone.

Making decisions based on any information presented in our products, services, or web site, should be done only with the knowledge that you could experience significant losses, or make no money at all. Only risk capital should be used – use caution and seek the advice of qualified professionals. check with your accountant, lawyer or professional advisor, before acting on this or any information.

Users of our products, services and web site are advised to do their own due diligence when it comes to making business decisions and all information, products, and services that have been provided should be independently verified by your own qualified professionals. Our information, products, and services on this web site should be carefully considered and evaluated, before reaching a business decision, on whether to rely on them. All disclosures and disclaimers made herein or on our site, apply equally to any offers, prizes, or incentives, that may be made by our company. You agree that We are not responsible for the success or failure of your business decisions relating to any information presented by our company, or our company products or services.

The performance experienced reflected in user comments on this Website, is not what you should expect to experience. Although We accept the comments in good faith, We have not independently examined the business records of any of the providers and therefore have not verified any specific figures or results quoted therein. These results are not typical, and your income or results, if any, will vary and there is a risk you will not make any money at all.

7. Risk Disclaimer

All trading involves risk. Leveraged trading has large potential rewards, but also large potential risk. Be aware and accept this risk before trading. Never trade with money you cannot afford to lose. All forecasting is based on statistics derived from past performance and past performance of any trading methodology is no guarantee of future results. No “safe” trading system has ever been devised and no one can guarantee profits or freedom from loss. No representation is being made that any account will achieve profits or losses similar to those discussed. There is no guarantee that, even with the best advice available, you will become a successful trader because not everyone has what it takes to be a successful trader. The trading strategies discussed may be unsuitable for you depending upon your specific investment objectives and financial position. You must make your own investment decisions in light of your own investment objectives, risk profile, and circumstances. Use independent advisors as you believe necessary. Therefore, the information provided herein is not intended to be specific advice as to whether you should engage in a particular trading strategy or buy, sell, or hold any financial product. Margin requirements, tax considerations, commissions, and other transaction costs may significantly affect the economic consequences of the trading strategies or transactions discussed and you should review such requirements with your own legal, tax and financial advisors.

Before engaging in such trading activities, you should understand the nature and extent of your rights and obligations and be aware of the risks involved. All testimonials are unsolicited and are potentially non-representative of all clients. Your trading results may vary from those case studies detailed on the Website. We are not a broker or licensed investment advisor and therefore is not licensed to tailor general investment advice for individual traders. Your actions and the results of your actions in regard to anything you receive from Us are entirely your own responsibility. We cannot and will not assume liability for any losses that may be incurred by the use of any information received from Us. Any such liability is hereby expressly disclaimed.

8. Hypothetical Disclaimer

All results are considered to be Hypothetical unless otherwise specified: Hypothetical performance results have many inherent limitations. Unlike an actual performance record, simulated results do not represent actual trading. Also, since the trades have not actually been executed, the results may have under or over-compensated for the impact, if any, of certain market factors, such as lack of liquidity. No representation is being made that any account will or is likely to achieve profits or losses similar to those shown. In fact, there are frequently sharp differences between hypothetical performance results and the actual results subsequently achieved by any particular trading program. Furthermore, only risk capital should be used for leveraged trading due to the high risk of loss involved. One of the limitations of hypothetical performance results is that they are generally prepared with the benefit of hindsight. In addition, hypothetical trading does not involve financial risk, and no hypothetical trading record can completely account for the impact of financial risk in actual trading. For example, the ability to withstand losses (and incur account drawdowns) or to adhere to a particular trading program in spite of trading loses are important issues which can also adversely affect actual trading results. There are numerous other factors related to the markets in general or to the implementation of any specific trading program, method or system, which cannot be completely taken into consideration with hypothetical performance results and will affect trading results and your P/L.

9. Notice of Security Risks

We provide services which may require You to provide Us with Your password to access Our Websites. In the event that You send Us Your password by email, You acknowledge and understand that email is inherently insecure and may be compromised. Email connects and passes through many routers and mail servers before receipt by Us and it is understood in the industry, that during this process and after receipt, email is vulnerable to both physical and virtual eavesdropping. You understand that current industry standards do not place emphasis on security as information is transferred in plain text, and during this process mail servers regularly conduct unprotected backups of the email that passes through, leaving a digital record that can be easily inspected or compromised months or even years later. You understand the risk that the possibility exists that email can be read by any hacker or unauthorized person who gains access to any protected or unprotected router or storage system. You acknowledge and agree to hold us harmless, against any and all damages, in the event an unauthorized person gains access to Our Website or other information regardless of mode of communication utilized or point of compromise. To further minimize security risks, You also agree to change all passwords, immediately upon Our completing services for You.

10. Validity of offer

10.1 When You receive an offer for any product or service You should click through to the Product Provider’s Website if you want to see how long any quote will remain valid. This is because Product Providers’ prices and rates are updated and amended on a regular basis and in some cases daily.

11. Price and Offer delivery

11.1 You acknowledge that We are completely reliant on the availability of the third party sites and on the overall performance of the world wide web. At certain times prices and offers quotes are not available.

11.2 Each Product Provider will have a slightly different approach to the provision of offer, prices and delivery. We strive to provide as comprehensive and easy to use a service as possible. It is inevitable that the requirements of certain customers may not be met and You may be one such customer. This is more likely when Your requirements are “non standard” or “high risk” as determined by the Product Providers.

11.3 In such cases We or Our trusted partners (being businesses with whom we have agreed to treat your data as we would) may contact You to see if We can be of further assistance.

12. Our Obligations

12.1 We are not a Product Provider. We provide a service which enables You to compare and choose a number of services and products.

12.2 In order to purchase any of the products or services described on the Website You must contact the Product Provider. We or the Product Provider will provide a direct link to the Product Provider’s Website along with any identification needed to access your details. For some products or services You may need to or choose to complete Your transaction over the telephone. You will find all the relevant information regarding the service, the product and contact details on the Product Provider’s Website

12.3 Before You complete any purchase it is important that You check all the information that the Product Provider holds about You is correct. It is Your responsibility to ensure all Your details are correct, and failure to do so could result in invalidating any product or service. If you are purchasing using a Product Provider’s Website You must also read the Product Provider’s own terms and conditions. The Product Provider’s terms and conditions will govern any transaction between You and the Product Provider whereas these terms and conditions relate only to Your use of the Website.

14. Intellectual property

14.1 All information, data and copyright material contained in the Website and any trade marks (whether registered or unregistered), trade names, brands, logos and devices included in that material belongs to Us or Our licensors or the respective owner of the intellectual property.

14.2 You may download or copy the content and other downloadable items displayed on the Website subject to clause 2 of these terms of use and on the condition that the material may only be used for personal non-commercial purposes. Copying or storing the contents of the Website for other than personal use is expressly prohibited.

15. Responsibility for content

15.1 We make no representations or warranties of any kind in respect of the Website or its contents and disclaim all such representations and warranties.

15.2 We make no representations or warranties about the accuracy, completeness, or suitability for any purpose of the information and related graphics published on the Website. The information contained on the Website may contain technical inaccuracies or typographical errors. All Our liability howsoever arising for any such inaccuracies or errors is expressly excluded to the fullest extent permitted by law.

15.3 We make no warranty that the Website or any linked website is free from viruses or other malicious computer problems. You are responsible for ensuring that You use the appropriate virus checking software.

15.4 Neither We nor any of Our employees or other representatives will be liable for loss or damage arising out of or in connection with the use of the Website. This is a comprehensive limitation of liability that applies to all damages of any kind, including (without limitation) compensatory, direct, indirect or consequential damages, loss of data, income or profit, loss of or damage to property in claims of third parties.

15.5 Notwithstanding the foregoing, none of the exclusions and limitations contained in these terms and conditions are intended to limit any rights You may have as a consumer under local law or other statutory rights which may not be excluded or in any way to exclude or limit Our liability to You for death or personal injury resulting from Our negligence or that of Our employees or agents.

16. Contact and Complaints procedure

Service Standards: We aim to provide a high level of service to all our customers but occasionally things can go wrong, when this happens We will do everything We can to put things right.

Complaints Procedure: If you have a complaint about Our service, please contact Us first by email and if after emailing Us You are still not happy please write to Our Customer Relations Manager at the address shown below. Should You wish to use an alternative means of communication, We are happy on request to correspond with You by telephone. For the purposes of handling complaints Our working day is 9am to 5pm Monday to Friday, not including Bank Holidays.

Please email us using the form on the Contact Us page and We will attempt to resolve Your complaint within 24 hours. If We are unable to resolve Your complaint, We will agree the next steps with You. If Your complaint is regarding a product or service that You have purchased via the Website, then You should complain directly to the relevant Product Provider responsible for supplying the product or service about which You wish to complain. We cannot accept liability for errors made by the Product Provider or any intermediary or answer complaints on their behalf. In these circumstances We recommend that You visit the website of the Product Provider and follow their complaints procedure.

17. Third party websites

17.1 The Website may contain links to websites operated by third parties. Some of these websites will carry Our branding and therefore be exclusive for the use of Our customers. The operation and content of those websites shall be determined by the organisation which controls the website and this will be governed by separate terms and conditions. Links are provided for convenience only and inclusion of any links should not be taken to imply endorsement in any way of the site to which it links. We accept no responsibility or liability for the contents of any other website. Examples of websites operated by third parties are Compare mortgages and Compare energy prices

17.2 The Website provides access to a number of products and services. These products and services are the responsibility of the individual Product Providers and We strongly recommend that prior to concluding any transactions with a Product Provider You take the following steps:

17.2.1 Read and ensure You understand the terms and conditions applicable to any proposed transaction as these may differ from Our terms and conditions.

17.2.2 Where necessary to clarify or check Your understanding seek independent advice particularly where the proposed transaction is of significant financial value or is necessary to mitigate a significant risk in the case of insurance.

17.2.3 Ensure that You are aware of the Product Provider’s full details and any regulatory body (for example the Financial Services Authority) that is responsible for their conduct.

18. No Warranty

All web sites, products and services are provided, as is, without warranty of any kind, either express or implied, including, but not limited to, the implied warranties of merchantability and fitness for a particular purpose. We do not warrant, guarantee, or make any representations regarding the use, or the results of the use, of the web sites, products, services or written materials in the terms of correctness, accuracy, reliability, currentness or otherwise. The entire risk as to the results and performance of the web sites, products and services are assumed by You. If the web sites, products, services or written materials are defective, You shall assume the entire cost of all necessary servicing, repair or correction. This is the only warrant of any kind, either express or implied, that is made by Us. No oral or written information or advice given by Us shall create a warranty or in any way increase the scope of this warranty, and You may not rely on such information or advice to do so.

19. Customer Remedy

Our entire liability, and Your exclusive remedy, shall be a refund of the price paid or replacement of Our products, at our option. We limit replacement to thirty days. Some jurisdictions do not allow the exclusion or limitation of liability, so the above limitations may not apply to you.

20. Limitation & Exclusion Of Liability

These warranties exclude all incidental or consequential damages. We will not be liable for any damages whatsoever, including without limitation, damages for loss of business profits, business interruption, loss of business information, pain and suffering, emotional distress or similar damages or other pecuniary loss, even if We have been advised on the possibility of such damages. Some jurisdictions do not allow the exclusion or limitation of liability, so the above limitations may not apply to You. In no event will Our collective liability exceed the greater of $100 or the amount you have paid Us for the applicable content, product or service out of which the liability arose.

21. Privacy Policy

We are committed to protecting your personal information when you are using our services. We want our services to be safe and enjoyable environments for our users. This Privacy Policy relates to our use of any personal information you provide to us through our websites, including sub-domains and sub-directories without links to the home page. In order to provide you with the full range of our services, we are sometimes required to collect information about you. This privacy policy explains the following:

  • what information the we may collect about you;
  • how we will use information we collect about you;
  • when we may use your details to contact you;
  • whether we will disclose your details to anyone else;
  • your choices regarding the personal information you have provided to us;
  • the use of cookies on our websites.

As set out above, we are committed to safeguarding your personal information. Whenever you provide such information, we are legally obliged to use your information in line with all laws concerning the protection of personal information, including the Data Protection Act 1998 (these laws are referred to collectively in this Privacy Policy as the “data protection laws”). The websites contains hyperlinks to websites owned and operated by third parties. These third party websites have their own privacy policies, including cookies, and we urge you to review them. They will govern the use of personal information you submit or are collected by cookies whilst visiting these websites. We do not accept any responsibility or liability for the privacy practices of such third party websites and your use of such websites is at your own risk.

22. Information we will collect about you

When you sign up to participate in or receive a service from our website, such as newsletters, competitions, live chats, message boards or register with an online registration system, we may ask for personal information about you. This can consist of information such as your name, e-mail address, postal address, telephone or mobile number or date of birth. Different webpages may ask for different personal information. By entering your details in the fields requested, you enable use and our service providers to provide you with the services you select. Please note that sometimes on particular webpages we will require you to provide additional personal information. When we do this we will specify further on these webpages why we are collecting your information and how we will use it. We also uses cookies and may collect IP addresses (an IP address is a number that can uniquely identify a specific computer or other network device on the internet). We may use analysis software to look at IP addresses and cookies for the purpose of enhancing your user experience.

23. Information Usage

We will use your personal information for a number of purposes including the following:

  • for “service administration purposes”, which means that we may contact you for reasons related to the service you have signed up for, as set out in paragraph 4 below (e.g. to provide you with password reminders or to notify you that a particular service has been suspended for maintenance);
  • to contact you about a submission you have made to the websites, including any content you provide;
  • to personalise the way our content is presented to you
  • IP addresses are used to identify the location of users, the number of visits from different countries and also to block disruptive use; and
  • to analyse and improve the services offered e.g. to provide you with the most user-friendly navigation experience.

Where we propose using your personal information for any other uses we will ensure that we notify you first. You will also be given the opportunity to withhold or withdraw your consent for your use other than as listed above.

We also use third party advertisements to support our site.

Some of these advertisers may use technology such as cookies and web beacons when they advertise on our site, which will also send these advertisers (such as Google through the Google Adsense program) information including your IP address, your ISP, the browser you used to visit our site, and in some cases, whether you have Flash installed.

This is generally used for retargeting purposes (showing New York real estate ads to someone in New York, for example) or showing certain ads based on specific sites visited (such as showing cooking ads to someone who frequents cooking sites). Double-Click DART cookies We also may use DART cookies for ad serving through Google’s Double-Click, which places a cookie on your computer when you are browsing the web and visit a site using Double-Click advertising (including some Google Adsense advertisements).

This cookie is used to serve ads specific to you and your interests (”interest based targeting”). The ads served will be targeted based on your previous browsing history (For example, if you have been viewing sites about visiting Las Vegas, you may see Las Vegas hotel advertisements when viewing a non-related site, such as on a site about hockey).

DART uses “non personally identifiable information”. It does NOT track personal information about you, such as your name, email address, physical address, telephone number, social security numbers, bank account numbers or credit card numbers. You can opt-out of this ad serving on all sites using this advertising by visiting http://www.doubleclick.com/privacy/dart_adserving.aspx

You can choose to disable or selectively turn off our cookies or third-party cookies in your browser settings, or by managing preferences in programs such as Norton Internet Security. However, this can affect how you are able to interact with our site as well as other websites.

This could include the inability to login to services or programs, such as logging into forums or accounts. Deleting cookies does not mean you are permanently opted out of any advertising program. Unless you have settings that disallow cookies, the next time you visit a site running the advertisements, a new cookie will be added. http://www.google.com/privacy_ads.html

24. Contacting You

We may contact you:

  • in relation to the functioning of any service you have signed up for in order to ensure that we can deliver the services to you;
  • where you have opted to receive further correspondence;
  • in relation to any contribution you have made, e.g. on message boards;
  • to invite you to participate in surveys about our services (participation is always voluntary); and
  • for marketing purposes where you have specifically agreed to this

25. Termination

We have in Our sole discretion the right to issue a warning, temporary suspension, or an indefinite suspension and termination of Your rights to use the website if You:

25.1 act inconsistently and in breach of these terms and conditions;

25.2 at any time violate or attempt to violate any rights of any other user of the website or third parties;

25.3 are engaged in any fraudulent activity.

26. Jurisdiction and Enforceability

26.1 If any provision of these terms and conditions are held by any competent authority to be invalid or unenforceable in whole or in part, the validity of the other provisions of this agreement and the remainder of the provision in question will not be affected.

26.2 English law will apply to this agreement and the parties agree to submit to the non-exclusive jurisdiction of the English courts.

26.3 Save as expressly provided elsewhere these terms and conditions shall apply only between Us and You and no other person shall be entitled to benefit from them.