Terms and Conditions - Browse The Market

Terms and conditions of use

1. Introduction

1.1 This website is provided by Loanwinners.com Limited and our registered office is 83 Ducie Street Manchester M1 2JQ. These terms and conditions shall govern your use of the website, Loanwinners.com.

1.2 By using Loanwinners.com, you accept these terms and conditions in full; accordingly, if you disagree with these terms and conditions or any part of these terms and conditions, you must not use Loanwinners.com.

1.3 You must be at least 18 years of age to use Loanwinners.com; and by using Loanwinners.com or agreeing to these terms and conditions, you warrant and represent to us that you are at least 18 years of age.

1.4 Loanwinners.com uses cookies; by using Loanwinners.com or agreeing to these terms and conditions, you consent to our use of cookies in accordance with the terms of our privacy and cookies policy.

2. Copyright notice

2.1 Copyright (c) 2015 Loanwinners.com.

2.2 Subject to the express provisions of these terms and conditions:

(a) we, together with our licensors, own and control all the copyright and other intellectual property rights in Loanwinners.com and the material on Loanwinners.com; and (b) All the copyright and other intellectual property rights in Loanwinners.com and the material on Loanwinners.com are reserved.

3. Licence to use website

3.1 You may:

(a) View pages from Loanwinners.com in a web browser; (b) Download pages from Loanwinners.com for caching in a web browser; (c) Print pages from Loanwinners.com; (d) Use Loanwinners.com services by means of a web browser, Subject to the other provisions of these terms and conditions.

3.2 Except as expressly permitted by Section 4.1 or the other provisions of these terms and conditions, you must not download any material from Loanwinners.com or save any such material to your computer.

3.3 You may only use Loanwinners.com for your own personal and business purposes, and you must not use Loanwinners.com for any other purposes.

3.4 Except as expressly permitted by these terms and conditions, you must not edit or otherwise modify any material on Loanwinners.com.

3.5 Unless you own or control the relevant rights in the material, you must not:

(a) Republish material from Loanwinners.com (including republication on another website); (b) Sell, rent or sub-license material from Loanwinners.com; (c) Show any material from Loanwinners.com in public; (d) Exploit material from Loanwinners.com for a commercial purpose; or (e) Redistribute material from Loanwinners.com.

3.6 Notwithstanding Section 4.5, you may redistribute our newsletter in print and electronic form to any person.

3.7 Loanwinners.com Limited reserve the right to restrict access to areas of Loanwinners.com, or indeed our whole website, at our discretion; you must not circumvent or bypass, or attempt to circumvent or bypass, any access restriction measures on Loanwinners.com.

4. Acceptable use

4.1 You must not:

(a) Use Loanwinners.com in any way or take any action that causes, or may cause, damage to the website or impairment of the performance, availability or accessibility of the website; (b) Use Loanwinners.com in any way that is unlawful, illegal, fraudulent or harmful, or in connection with any unlawful, illegal, fraudulent or harmful purpose or activity; (c) Use Loanwinners.com 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; (d) Conduct any systematic or automated data collection activities (including without limitation scraping, data mining, data extraction and data harvesting) on or in relation to Loanwinners.com without our express written consent; (e) Access or otherwise interact with Loanwinners.com using any robot, spider or other automated means; (f) Violate the directives set out in the robots.txt file for Loanwinners.com; or (g) Use data collected from Loanwinners.com for any direct marketing activity (including without limitation email marketing, SMS marketing, telemarketing and direct mailing).

4.2 You must not use data collected from Loanwinners.com to contact individuals, companies or other persons or entities.

4.3 You must ensure that all the information you supply to us through Loanwinners.com, or in relation to Loanwinners.com, is true, accurate, current, complete and non-misleading.

5. Limited warranties

5.1 Loanwinners.com Limited do not warrant or represent:

(a) The completeness or accuracy of the information published on Loanwinners.com; (b) That the material on the website is up to date; or (c) That the website or any service on the website will remain available.

5.2 Loanwinners.com Limited reserve the right to discontinue or alter any or all of Loanwinners.com services, and to stop publishing Loanwinners.com, at any time in our sole discretion without notice or explanation; and save to the extent expressly provided otherwise in these terms and conditions, you will not be entitled to any compensation or other payment upon the discontinuance or alteration of any website services, or if Loanwinners.com Limited stop publishing the website.

5.3 To the maximum extent permitted by applicable law and subject to Section 6.1, Loanwinners.com Limited exclude all representations and warranties relating to the subject matter of these terms and conditions, Loanwinners.com and the use of Loanwinners.com.

6. Limitations and exclusions of liability

6.1 Nothing in these terms and conditions will:

(a) Limit or exclude any liability for death or personal injury resulting from negligence; (b) Limit or exclude any liability for fraud or fraudulent misrepresentation; (c) Limit any liabilities in any way that is not permitted under applicable law; or (d) Exclude any liabilities that may not be excluded under applicable law.

6.2 The limitations and exclusions of liability set out in this Section 12 and elsewhere in these terms and conditions:

(a) Are subject to Section 6.1; and (b) Govern all liabilities arising under these terms and conditions or relating to the subject matter of these terms and conditions, including liabilities arising in contract, in tort (including negligence) and for breach of statutory duty.

6.3 To the extent that Loanwinners.com and the information and services on Loanwinners.com are provided free of charge, Loanwinners.com Limited will not be liable for any loss or damage of any nature.

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

6.5 Loanwinners.com Limited 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.

6.6 Loanwinners.com Limited will not be liable to you in respect of any loss or corruption of any data, database or software.

6.7 Loanwinners.com Limited will not be liable to you in respect of any special, indirect or consequential loss or damage.

6.8 You accept that Loanwinners.com Limited have an interest in limiting the personal liability of our officers and employees and, having regard to that interest, you acknowledge that Loanwinners.com Limited are a limited liability entity; you agree that you will not bring any claim personally against our officers or employees in respect of any losses you suffer in connection with the website or these terms and conditions (this will not, of course, limit or exclude the liability of the limited liability entity itself for the acts and omissions of our officers and employees).

7. Breaches of these terms and conditions

7.1 Without prejudice to our other rights under these terms and conditions, if you breach these terms and conditions in any way, or if Loanwinners.com Limited reasonably suspect that you have breached these terms and conditions in any way, Loanwinners.com Limited may:

(a) Send you one or more formal warnings; (b) Temporarily suspend your access to Loanwinners.com; (c) Permanently prohibit you from accessing Loanwinners.com; (d) Block computers using your IP address from accessing Loanwinners.com; (e) Contact any or all your internet service providers and request that they block your access to Loanwinners.com; (f) Commence legal action against you, whether for breach of contract or otherwise; and/or (g) Suspend or delete your account on Loanwinners.com.

7.2 Where Loanwinners.com Limited suspend or prohibit or block your access to Loanwinners.com or a part of Loanwinners.com, you must not take any action to circumvent such suspension or prohibition or blocking (including without limitation creating and/or using a different account).

8. Variation

8.1 Loanwinners.com Limited may revise these terms and conditions from time to time.

8.2 The revised terms and conditions shall apply to the use of Loanwinners.com from the date of publication of the revised terms and conditions on the website, and you hereby waive any right you may otherwise have to be notified of, or to consent to, revisions of these terms and conditions. Loanwinners.com Limited will give you written notice of any revision of these terms and conditions, and the revised terms and conditions will apply to the use of Loanwinners.com from the date that Loanwinners.com Limited give you such notice; if you do not agree to the revised terms and conditions, you must stop using Loanwinners.com.

8.3 If you have given your express agreement to these terms and conditions, Loanwinners.com Limited will ask for your express agreement to any revision of these terms and conditions; and if you do not give your express agreement to the revised terms and conditions within such period as Loanwinners.com Limited may specify, Loanwinners.com Limited will disable or delete your account on the website, and you must stop using the website.

9. Assignment

9.1 You hereby agree that Loanwinners.com Limited may assign, transfer, sub-contract or otherwise deal with our rights and/or obligations under these terms and conditions.

9.2 You may not without our prior written consent assign, transfer, sub-contract or otherwise deal with any of your rights and/or obligations under these terms and conditions.

10. Severability

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

10.2 If any unlawful and/or unenforceable provision of these terms and conditions 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.

11. Third party rights

11.1 These terms and conditions are for our benefit and your benefit, and these terms and conditions are not intended to benefit or be enforceable by any third party.

11.2 The exercise of the parties' rights under these terms and conditions is not subject to the consent of any third party.

12. Entire agreement

12.1 Subject to Section 6.1, these terms and conditions, together with our FCA (Financial Conduct Authority), shall constitute the entire agreement between you and us in relation to your use of Loanwinners.com and shall supersede all previous agreements between you and us in relation to your use of Loanwinners.com.

13. Law and jurisdiction

13.1 These terms and conditions shall be governed by and construed in accordance with English law.

13.2 Any disputes relating to these terms and conditions shall be subject to the exclusive jurisdiction of the courts of England.

14. Statutory and regulatory disclosures

14.1 Loanwinners.com Limited are registered by the FCA (Financial Conduct Authority); you can find the online version of the register at www.fca.org.uk, and our registration number is 714819.

14.2 Loanwinners.com Limited are subject to FCA (Financial Conduct Authority).

14.3 Loanwinners.com Limited are registered as a Price Comparison website.

14.4 Loanwinners.com Limited subscribe to Data Protection Data Sharing, which can be consulted electronically at https://ico.org.uk/for-organisations/guide-to-data-protection/data-sharing/ and our registration number is ZA136085.

15. Our details

15.1 This website is owned and operated by Loanwinners.com Limited.

15.2 Loanwinners.com Limited are registered in England and Wales with registration number 09716514, and our registered office is 83 Ducie Street Manchester M1 2JQ.

15.3 You can contact us by using Loanwinners.com contact form, by email to [email protected] or by telephone on 03302233753.

16. Complaints

16.1 We will aim to send you a formal acknowledgement of your complaint within 3 working days and to resolve it as soon as possible. As soon as we have completed our investigation, we will write to you to notify you of the outcome and a final response. If you are not satisfied with our response, depending on the nature of your complaint, we will advise you of your right to refer your case to:

The Financial Ombudsman Service at South Quay Plaza, 183 Marsh Wall, London, E14 9SR; telephone: 0300 123 9 123 or 0800 023 4 567; email:[email protected]; website http://www.financial-ombudsman.org.uk/ (if your complaint relates to financial services products). If you wish to refer the matter to the Financial Ombudsman, you must do so within six months from the date of our final response.

16.2 If you are unhappy with any product or service 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 us for assistance on [email protected]

If you apply and buy Life Insurance online through the website browsethemarket.com you will be entitled to a £15 M&S gift card/voucher or £15 Debenhams gift card/voucher depending on your choice. The following terms and conditions will apply:

Browse the Market will aim to send the gift card three months after your policy start date. Please allow time for delivery.

The £15 M&S gift card or £15 Debenhams gift card offer is only available if you apply online through the website browsethemarket.com.

Gift cards will only be issued if you apply online through the website browsethemarket.com and not through any other means such as directly to other life insurance providers, you will not be eligible for the offer.

The incentive provider could be changed but the monetary value of the offer will not change.

Browse the Market will cancel the gift cards should they discover or have a reasonable suspicion that the terms of the offer are being abused.

One gift per policy sold, limited to two per household in a 12 month period.

No cash alternative will be offered.

The gift cards/voucher will be subject to the terms and conditions of the retailer.

All terms and conditions also apply to partners, family and friends applying for this offer.

Browse the Market reserves the right to withdraw or make changes to this promotion in whole or in part without prior notice at any time