Terms & Conditions

Terms and Conditions

Life Cover Compare is a brand name of Monetise Media Ltd which is registered in England and Wales 07875484 with a registered trading address of Unit J Williams Yard, Derby Road, Melbourne, Derby, DE73 8JR.

The following terms and conditions govern your use of this website (“Website”), 'Life Cover Compare’ whether as a guest or a registered user. Use of this site includes accessing, browsing or registering to use the Website.

Please ensure you read the Terms and Conditions carefully and if you have any comments or questions please contact us using [email protected] . We reserve the right to makes changes to the terms and conditions of the agreement at any time. However, and wherever possible you will be notified five working days ahead of any changes being made unless we feel that the that the security and or privacy of any user of the site may be jeopardised. Should this be the case and only in these circumstances then we will make the changes necessary to secure the integrity of The Service”

TERMS AND CONDITIONS Relating To Our Privacy and Cookie Policy

These terms of use refer to the following additional terms, which also apply to your use of our site:

Our Privacy and Cookie policy, which sets out the terms on which we process and store any personal information that we collect from you and our cookie policy, or that you provide to us. By using our site, and providing this website with a consent to process and store your personal information you warrant that all data provided by you is accurate at the time of submission and on an ongoing basis.

TERMS OF USE OF THE WEBSITE

This website is permitted to use our Website for your own purposes and to print and download material from the Website provided that you do not attempt to or modify any content without the prior knowledge and agreement of websites legal team. You must not use any illustrations, photographs, video or audio sequences or any graphics separately from any accompanying text.

No part of this Website may be reproduced or republished for any reason or purpose without prior written permission from its Legal team from the legal owner of the site.

Site Accessibility

We take all reasonable steps to ensure that the Website is available 24 hours a day, 365 days a year. However, websites do sometimes encounter technical difficulties and downtime time can sometimes not be avoided. There are many reasons for these technical issues such as issues with the server routine maintenance and development work. Therefore, we cannot be liable if this Website is unavailable for a period of time although every effort will be made to limit downtime.

This Website may be temporarily unavailable due to issues such as system failure, maintenance or repair or for reasons beyond our control. Where possible we will try to give our visitors advance warnings of any maintenance work that is to be carried out but there may be instances where this is not practical due to the nature of the work required or a security threat.

VISITOR CONDUCT

With the exception of personally identifiable information, the use of which is covered under our Privacy Policy, any material you send or post to this Website shall be considered non-proprietary and not confidential. Unless you advise to the contrary we will be free to copy, disclose, distribute, incorporate and otherwise use such material for any and all purposes.

When using this website, you shall not post or send too or from this Website any material:

-for which you have not obtained all necessary consents of the territory in which you operate;
-that is discriminatory, obscene, pornographic, defamatory, liable to incite racial hatred, in breach of confidentiality or privacy, which may cause annoyance or inconvenience to others, which encourages or constitutes conduct that would be deemed a criminal offence, give rise to a civil liability, or otherwise is contrary to the law in the United Kingdom;
which is harmful in nature including, and without limitation, computer viruses, Trojan horses, corrupted data, or other potentially harmful software or data.
We will fully co-operate with any law enforcement authorities or court order requiring us to disclose the identity of or other details of any person posting material to this website in breach of the provisions herein.
-Should any person attempt to or make any changes to the Sources operational functionality, hack or attempt to hack the Source then they will be reported immediately to the relevant authority or authorities both here in the UK and in their country of origin

LINKS TO AND FROM OTHER WEBSITES

Any links to third party websites located on this Website are provided for your convenience only. We have not reviewed each third-party website and have no control or responsibility for such third-party websites or their content. We do not endorse the third-party websites or make representations about them or any material contained in them. If you choose to access a third-party website linked to from this Website, it is at your own risk.

If you would like to link to this Website, you may only do so on the basis that you link to, but do not replicate, any page on this Website, and subject to the following conditions:

-You do not in any way imply that we are endorsing any services or products unless this has been specifically agreed with the website owner
-You do not misrepresent your relationship with the website owner or present any false information about us.-You do not link from a website that is not owned by you.
-Your website does not contain content that is offensive, controversial, infringes any intellectual property rights or other rights of any other person or does not comply in any way with the laws of the United Kingdom.-If you choose to link to our website in breach of these provisions you shall fully indemnify us for any loss or damage suffered because of your actions.

DISCLAIMER

We take all reasonable steps to ensure that the information on this Website is correct. However, we cannot guarantee the correctness or completeness of material on this Website due to the ever-evolutionary nature of the site. We may make changes to the material on this Website at any time and without notice in an attempt to maintain the correctness of the information on the website. The material on this Website may be out of date, or on rare occasions incorrect and we make no commitment to ensure that such material is correct or up to date, but we will always endeavour to do so.

The material on this Website is provided without any conditions or warranties of any kind. To the maximum extent permitted by law, we provide access and use of the Source on the basis that we exclude all representations, warranties and conditions which but for these Terms may have effect in relation to this Website.

The content on our site is provided for general information purposes only. We do not provide advice nor are we giving any advice on which you should rely. You must obtain professional or specialist advice before taking or refraining from any action on the basis of the content on the Website.

EXCLUSION OF LIABILITY

Neither we nor any other party whether or not involved in producing, maintaining or delivering this site, shall be liable or responsible for any kind of loss or damage that may result to you or a third party as a result of your or their use of or inability to use, or reliance on content of our website.

This exclusion shall include servicing or repair costs and, without limitation, any other direct, indirect or consequential loss or losses, and whether in tort or contract or otherwise in connection with this Website.

Nothing in these Terms shall exclude or limit liability for:

-death or personal injury caused by negligence (as defined by the Unfair Contract Terms Act 1977);
-fraud;
-misrepresentation as to a fundamental matter;
-any liability which cannot be excluded or limited under English Law.

To the extent permitted by law, we exclude all conditions, warranties, representations or other terms which may apply to our site or any content on it, whether express or implied. We will not be liable to any user for any loss or damage, whether in contract, tort including negligence, breach of statutory duty, or otherwise, even if foreseeable, arising under or in connection with:

-use of, or inability to use, our site; or
-use of or reliance on any content displayed on our site.
If you are a business user, please note that, we will not be liable for:
-loss of profits, sales, business or revenues.
-Business interruption.
-Loss of anticipated savings.
-Loss of business opportunity, goodwill or reputation.
-If you are a consumer user, please note that we only provide our site for domestic and private use. You agree not to use our site for any commercial or business purposes and we have no liability to you for any loss of profit, loss of business, business interruption, or loss of business opportunity. We will not be liable for any loss or damage caused by a virus, distributed denial-of-service attack, or other technologically harmful material that may infect your computer equipment, computer programs, data or other proprietary material due to your use of our site or to your downloading of any content on it, or on any website linked to it.

We assume no responsibility for the content of websites linked on our site. Such links should not be interpreted as endorsement by us of those linked websites. We will not be liable for any loss or damage that may arise from your use of any third-party website/s or third-party service provider.

INTELLECTUAL PROPERTY

We are the owner and or the licensee of all intellectual property rights on this site which is owned by the website owner, and in the material published on it. Those works are protected by copyright laws and treaties around the world. All such rights are reserved.

You may print off one copy, and may download extracts, of any page, or pages from The Source for your personal use and you may draw the attention of others within your organisation to content posted on our site.

You must not modify the paper or digital copies of any materials you have printed off or downloaded in any way, and you must not use any illustrations, photographs, video or audio sequences or any graphics separately from any accompanying text.

Our status and that of any identified contributors as the authors of content on our site must always be acknowledged.

You must not use any part of the content on our site for commercial purposes without obtaining a licence to do so from us or our licensors.

If you print off, copy or download any part of our site in breach of these terms of use, your right to use our site will cease immediately and you must, at our option, return or destroy any copies of the materials you have made.

UPLOADING CONTENT TO OUR SITE

Any content you upload to our site will be considered non-confidential and non-proprietary.

You retain all of your ownership rights of your content, but you are required to grant us and other users of the Site a limited licence to use, store and copy that content and to distribute and make it available to third parties.

We also have the right to disclose your identity to any third party who is claiming that any content posted or uploaded by you to our site constitutes a violation of their intellectual property rights, or of their right to privacy. We will not be responsible, or liable to any third party, for the content or accuracy of any content posted by you or any other user of the website.

MALWARE and VIRUSES

We cannot guarantee that our site will be secure or free from bugs viruses or malware.

You are responsible for configuring your information technology, computer programmes and platform in order to access our site. You should use your own virus protection software.

You must not misuse our site by knowingly introducing viruses, trojans, worms, logic bombs or other material which is malicious or technologically harmful. You must not attempt to gain unauthorised access to our site, the server on which our site is stored or any server, computer or database connected to our site. You must not attack our site via a denial-of-service attack or a distributed denial-of service attack. By breaching this provision, you would commit a criminal offence under the Computer Misuse Act 1990. We will report any such breach to the relevant law enforcement authorities and we will co-operate with those authorities by disclosing your identity to them. In the event of such a breach, your right to use our site will cease immediately.

You may link to our home page, provided you do so in a way that is fair and legal and does not damage our reputation or take advantage of it.

You must not establish a link in such a way as to suggest any form of association, approval or endorsement on our part where none exists.

You must not establish a link to our site the Source in any website that is not owned by you. Our site must not be framed on any other site, nor may you create a link to any part of our site other than the home page.

We reserve the right to withdraw linking permission or permissions without notice should we find that any violations have taken place.

THIRD PARTY LINKS AND RESOURCES IN OUR SITE

Where our site contains links to other sites and resources provided by third parties, these links are provided for your information only.

We have no control over the contents of those sites or their resources.

GOVERNING JURISDICTION

These terms of use, its subject matter and its formation (and any non-contractual disputes or claims) are governed by English law. We both agree to the exclusive jurisdiction of the courts of England

ACCESS TO INFORMATION WE MAY HOLD ON OR ABOUT YOU

In accordance with the Data Protection Act 2018 you have the right to access any information that we hold relating to you. There is no cost to you to make a Subject Access Request (SAR), and should you wish to make a request to Monetise Media Ltd then in the first instance you should contact us at the following email address [email protected] addressing your request to ‘A Director’ of Monetise Media Ltd.

The data that we hold will not be used in any automated decision-making processes including profiling, and information about how decisions are made.

Should A Another Business customer or any person for whom we hold their personal data be unhappy with the way we have handled or managed their personal information then we would recommend that you contact immediately the address below to report your concerns.

The Information Commissioners Office, Wycliffe House, Water Lane, Wilmslow Cheshire, SK9 5AF. Tel: 0303 123 1113 (local rate) or 01625 545 745, Fax: 01625 524 510

ADDITIONAL INFORMATION

This site is powered by Monetise Media Ltd , registration number 07875484 , address Unit J Williams Yard, Derby Road, Melbourne, Derby, DE73 8JR. Monetise Media Ltd adhere to the laws of the UK and EU and have implemented the relevant GDPR compliant legislation into data privacy and cookie policies – Monetise Media Ltd is registered with the ICO (information commission office) and our registration number is ZA036277.

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