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Some of these products and services are offered via third party websites, which are linked to our website. Where this is the case, you will be bound by the third party\'s terms and conditions. In these Terms and Conditions, "we", "our" and "us" means Loyalty Cover Software Limited and "you" and "your" means any person who uses our website. If you are unsure about any aspect of these Terms & Conditions, or have any questions regarding our relationship with you, please contact Us, using the details on Our Website.',description:"",content:[{subtitle:"1. About our insurance services "},{subtitle:" ",description:"We provide an independent and online insurance products search engine that has been designed to save you time and money. Not only do we strive to find you the most competitive quotes for insurance products and services, we also aim to provide you with the information you need to make an informed choice on which policy or product best suits your needs."},{subtitle:" ",description:"We compare insurance products from a range of insurers and intermediaries."},{subtitle:" ",description:"We will ask you some questions and produce a list of quotations based on the answers you give and provide the information you need to help decide which is the right policy or product for you. This will enable you to make your own choice about how to proceed. We don't offer advice or make recommendations."},{subtitle:"2. How are we paid?"},{subtitle:" ",description:"You will not be charged for using our website. Instead, when you use our website to buy a product or service from a third party, that third party pays a commission to us."}]},{title:" ABOUT LOYALTY COVER SOFTWARE LIMITED",subtitle:"",description:"",content:[{subtitle:"The Company"},{subtitle:" ",description:"Loyalty Cover Software Limited is registered in England and Wales (Company number 14848807) and our registered address is French Farm Hurley Lane, Hurley, Maidenhead, England, SL6 5LL."},{subtitle:" ",description:"We are an Introducer Appointed Representative (IAR) of Rest Ashored Limited who are authorised and regulated by the Financial Conduct Authority (FCA) under reference number 732530. Our FCA reference number is 999485."},{subtitle:" ",description:"You can check this on the Financial Services Register by visiting the FCA's website http://www.fca.org.uk/register† or by contacting the FCA on 0800 111 6768."}]},{title:" USE OF OUR WEBSITE",subtitle:"",description:"",content:[{subtitle:"1. ",description:"Our website allows you to access our independent online service which compares a number of insurance products and services."},{subtitle:"2. ",description:"You are only permitted to use our website if you are a UK resident, and you are using it for personal use. Commercial use of our website is strictly prohibited, and we reserve the right to take steps - including legal action - against any person or company who uses our website or services for commercial use or in any other unauthorised manner. Unauthorised use includes (but is not limited to) breach of copyright, processing multiple quotes for other customers or companies, and other companies checking their prices against those presented on this website."},{subtitle:"3. ",description:"You are not permitted to do anything that may affect the security of our website, or any information or material stored within it."},{subtitle:"4. ",description:"You may not operate any link to our website without first obtaining our written permission. Any such permission may be revoked without notice, and we reserve the right to require you to remove any link immediately and at any time."}]},{title:" WHAT ARE YOUR RESPONSIBILITIES?",subtitle:"",description:"",content:[{subtitle:"1. Insurance obligations"},{subtitle:" ",description:"We will provide you with quotations based on the information you have provided to us. Where we ask questions to help source quotations, you are responsible for:"},{subtitle:"a. ",description:"Answering all questions honestly, completely and to the best of your knowledge, and for ensuring that any assumptions made are correct."},{subtitle:"b. ",description:"Failure to do so may lead to your insurance policy being invalid or an increase in cost. You may also be liable for any third-party costs in the event of an accident."},{subtitle:"1. ",description:"In order to accept a quotation provided by us you will need to link to the underlying insurance company or intermediary website and retrieve your details or, where applicable, contact them by phone."},{subtitle:"2. ",description:"Before purchasing a policy, it is extremely important that all the information the insurance provider holds on you is accurate. You should therefore ensure that all information you provide to us is complete and accurate. Neither we nor any insurance providers will check this information for you. Again, failure to do this may lead to your insurance being invalid or an increase in the cost of that policy."},{subtitle:"3. ",description:"It is important that you read the insurance provider's terms and conditions to check that you understand and agree with them. The insurance company's terms and conditions are not the same as ours and they will be the terms you agree to when you accept a quotation."},{subtitle:"4. ",description:"It is important that you read all insurance documents issued to you and ensure that you are aware of the cover, limits and other terms that apply. Failure to comply with the insurer's terms and conditions could invalidate your policy."},{subtitle:"5. ",description:"You should also check that all your details on the policy documents are correct, including any assumptions that may have been made on your behalf by the insurance provider. If the information supplied by you is not correct, it is your responsibility to notify the insurance company. Failure to inform the insurer of any errors or missing information could invalidate your policy."},{subtitle:"2. Other obligations"},{subtitle:"1. ",description:"You must keep any passwords you create confidential, and it must not be disclosed to or shared with anyone. You are solely responsible for all use of your account on our website."},{subtitle:"2. ",description:"Where you provide information about any other individual (e.g., a named driver) you are confirming to us that you have their authority to do so."},{subtitle:"3. ",description:"You must not misuse our website 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 website, the server on which our website is stored, or any server, computer or database connected to it."}]},{title:" WHAT ARE OUR RESPONSIBILITIES?",subtitle:"",description:"",content:[{subtitle:"We are responsible to you for:"},{subtitle:"1. ",description:"any losses you suffer to the extent that they have been caused by errors in our price comparison technology; and"},{subtitle:"2. ",description:"any claim you may have against us for a personal injury or in respect of your death if caused by our negligence; and"},{subtitle:"3. ",description:"any statements made by our employees to you which are not true statements of fact, and which are made by that employee with fraudulent intent; and"},{subtitle:"4. ",description:"any statements made by our employees to you which are misleading or untrue."},{subtitle:"5. ",description:"Except in the case of (ii) or (iii) above (where our liability to you is unlimited), our liability to you will be limited to the upper level of our insurance limit which may vary from time to time."}]},{title:" WHAT ARE WE NOT RESPONSIBLE TO YOU FOR:",subtitle:"",content:[{subtitle:"1. ",description:"any reliance that you may place on any material or commentary posted on our website. Please note that nothing contained in our website, or the material published on it is intended to amount to advice on which you should rely; or"},{subtitle:"2. ",description:"any losses you suffer because the information you put into our website is inaccurate or incomplete; or"},{subtitle:"3. ",description:"any losses you suffer if the information you put into our website is accurate, but the insurer's website has not accurately reflected that information because its system is not working correctly; or"},{subtitle:"4. ",description:"any losses you suffer if you misrepresent any fact which may influence the insurer's decision to accept the risk, or the terms offered; or"},{subtitle:"5. ",description:"any losses you suffer because you cannot use our website at any time; or"},{subtitle:"6. ",description:"any losses you suffer through connecting to any linked third-party websites or any statements, information, content, products or services that are published on, or may be accessible from, any linked third-party website and we do not guarantee that they are free from viruses or anything else that could be infectious or destructive; or"},{subtitle:"7. ",description:"any errors in or omissions from our website; or"},{subtitle:"8. ",description:"any losses you may suffer by relying on any commentary, postings, or reviews (of our services or that of our partners) on our website; or"},{subtitle:"9. ",description:"any loss or damage caused by a distributed denial-of-service attack, viruses or other technologically harmful material that may infect your computer equipment, computer programs, data, or other proprietary material due to your use of our website or to your downloading of any material posted on it, or on any website linked to it; or"},{subtitle:"10. ",description:"the privacy policies and practices of other linked third-party websites, even if you access them using links from our website; or"},{subtitle:"11. ",description:"any unauthorised access or loss of personal information that is beyond our control."}]},{title:" COMPLAINTS",subtitle:"We set ourselves very high standards and do our utmost to maintain these high standards in everything we do. In rare situations where you may feel those standards have not been maintained we would like you to tell us as this is the only way we will be able to improve our service.",description:"",content:[{subtitle:"How do you do this?"},{subtitle:" ",description:"Please contact us in the following ways:"},{subtitle:" ",description:"Email: complaints@loyaltycoversoftware.com"},{subtitle:" ",description:"In Writing: Loyalty Cover Software Limited / French Farm, Hurley Lane, Hurley, Maidenhead, England, SL6 5LL"},{subtitle:" ",description:"info@loyaltycoversoftware.co.uk"},{subtitle:" ",description:"Please note that our office opening hours are Monday to Friday 9am to 5.00pm, excluding bank holidays. Calls may be recorded for training, quality and monitoring purposes."},{subtitle:" ",description:"If your complaint relates to an insurance company or insurance policy, we will let you know that we have forwarded your complaint to the insurance company and will supply you with their contact details. The insurance company will then reply to your complaint directly. If you are still dissatisfied then you may be entitled to refer your complaint to the Financial Ombudsman Service (FOS)."},{subtitle:" ",description:"The insurance companies and intermediaries that we work with are covered by the Financial Services Compensation Scheme (FSCS). You may be entitled to compensation from the scheme if they cannot meet their obligations. This depends on the type of business and the circumstances of the claim. If you are eligible to claim from the FSCS, compensation is available as follows:"},{subtitle:" ",description:"Insurance advising and arranging is covered for 90% of the claim, without any upper limit."},{subtitle:" ",description:"Further information about compensation scheme arrangements is available from the FSCS by calling 0800 678 1100 or 020 7741 4100 or by visiting their website www.fscs.org.uk."}]},{title:" INTELLECTUAL PROPERTY",subtitle:"",description:"",content:[{subtitle:"1. ",description:"We are the owner or the licensee of all intellectual property rights in our website and in the material published on it. This includes, but is not limited to, all trademarks, logos, business names, trading names, design rights, database rights, copyright, and any other intellectual property rights."},{subtitle:"2. ",description:"You may print, download or store extracts from our website provided always that:"},{subtitle:" - ",description:"It is used solely for your personal, non-commercial use;"},{subtitle:" - ",description:"You will not copy, transmit or distribute them without our prior written approval;"},{subtitle:" - ",description:"All copies must retain any copyright or other intellectual property notices contained within the original material;"},{subtitle:" - ",description:"You acknowledge that all images displayed on our website are protected by copyright and may not be reproduced or appropriated in any manner without the prior written consent of their respective owner(s);"},{subtitle:" - ",description:"No logos, trademarks or service marks displayed on our website may be printed or downloaded, except as part of the text of which they form part;"},{subtitle:" - ",description:"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, logos, designs or any graphics separately from any accompanying text; and"},{subtitle:" - ",description:"Our status (and that of any identified contributors) as the authors of material on our website must always be acknowledged."},{subtitle:"3. ",description:" If you print off, copy, or download any part of our website in breach of these terms of use, your right to use our website will cease immediately and you must, at our option, return or destroy any copies of the materials you have made (in whatever format)."}]},{title:" PRIVACY POLICY",subtitle:'Loyalty Cover Software Limited ("we", "our" or "us") understand how important your privacy is and we take its security seriously. Our Privacy Policy, is shown at the bottom of our website home page. This Privacy Policy should be read in conjunction with our Terms and Conditions and our Cookie Policy.',description:"",content:[]},{title:" LEGAL",subtitle:"",description:"",content:[{subtitle:"1. ",description:"These Terms and Conditions apply to your use of our website."},{subtitle:"2. ",description:"By accessing our website, you agree to be bound by these Terms and Conditions, together with our Privacy Policy and Cookie Policy. If you do not wish to be bound by them then you should stop using our website immediately."},{subtitle:"3. ",description:"We reserve the right to change these Terms and Conditions from time to time and without notice. You should therefore check these Terms and Conditions each time you visit our website."},{subtitle:"4. ",description:"If any part of these Terms and Conditions is subsequently considered to be illegal, invalid or unenforceable then that provision should be treated as having been deleted without affecting the validity of the remaining terms."},{subtitle:"5. ",description:"These Terms and Conditions (together with our Privacy Policy and Cookie Policy) represent the entire agreement between you and us relating to your use of our website. These terms also supercede any previous agreements, including previous terms and conditions of our website."},{subtitle:"6. 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It may be used by Our relevant staff in making a decision concerning Your\n    insurance and for the purpose of servicing Your cover and administering claims.\n    Information may be passed to loss adjusters, solicitors, reinsurers, or other service\n    providers for these purposes. We may obtain information about You from credit\n    reference agencies, fraud prevention agencies and others to check Your credit status\n    and identity. The agencies will record Our enquiries, which may be seen by other\n    companies who make their own credit enquiries. If You provide false or inaccurate\n    information and We suspect fraud, We will record this.",content:[{subtitle:"",description:"name"},{subtitle:"",description:"date of birth"},{subtitle:"",description:"vehicle details"},{subtitle:"",description:"job title/study level"},{subtitle:"",description:"Employer"},{subtitle:"",description:"contact information such as email addresses and telephone numbers"},{subtitle:"",description:"demographic information such as post code, preferences and interests"},{subtitle:"",description:"financial information such as credit / debit card numbers"},{subtitle:"",description:"IP address (automatically collected)"},{subtitle:"",description:"web browser type and version (automatically collected)"},{subtitle:"",description:"operating system (automatically collected)"},{subtitle:"",description:"a list of URLs starting with a referring site, your activity on this Website, and the site you exit to (automatically collected);"},{subtitle:"",description:"When you obtain a quote but do not purchase a policy we will store your information and may contact you to"}]},{title:"We and other organisations may use these records to:",subtitle:"\n    \n     ",description:"We process all data in the UK but where We need to disclose data to parties outside\n    the European Economic Area (EEA) We will take reasonable steps to ensure the privacy\n    of Your data. In order to protect Our legal position, We will retain Your data for a\n    minimum of 7 years. We have a Data Protection regime in place to oversee the effective\n    and secure processing of Your data. Under GDPR legislation, You can ask Us for a copy\n    of the data We hold, have it corrected, sent to a third party or deleted (subject to Our\n    need to hold data for legal reasons). We will not make Your personal details available\n    to any companies to use for their own marketing purposes. If You wish to complain\n    about how We have handled Your data, You can contact Us and We will investigate\n    the matter. If You are not satisfied with Our response or believe We are processing\n    Your data incorrectly You can complain to the Information Commissioner’s Office,\n    Wycliffe House, Water Lane, Wilmslow, Cheshire SK9 5AF Tel: 0303 123 1113.",content:[{subtitle:"a.",description:" Help make decisions on insurance proposals and insurance claims, for You and members of Your household."},{subtitle:"b.",description:"Trace debtors, recover debt, prevent fraud, and manage Your insurance policies"},{subtitle:"c. ",description:"Check Your identity to prevent money laundering, unless You furnish Us with satisfactory proof of identity."}]},{title:"Third Party Websites and Services",subtitle:"",description:"",content:[{subtitle:"",description:"”Loyalty Cover Software Limited” may, from time to time, employ the services of\n        other parties for dealing with matters that may include, but are not limited to, payment\n        processing, delivery of purchased items, search engine facilities, advertising and\n        marketing. The providers of such services have access to certain personal Data\n        provided by Users of this Website."},{subtitle:"",description:"Any Data used by such parties is used only to the extent required by them to\n        perform the services that ”Loyalty Cover Software Limited” requests. Any use for other\n        purposes is strictly prohibited. Furthermore, any Data that is processed by third parties\n        shall be processed within the terms of this Policy and in accordance with the Data\n        Protection Act 1998."}]},{title:"Links to Other Websites",subtitle:"This Website may, from time to time, provide links to other websites. ”Loyalty Cover\n      Software Limited” has no control over such websites and is in no way responsible for\n      the content thereof. This Policy does not extend to your use of such websites. Users\n      are advised to read the privacy policy or statement of other websites prior to using\n      them.",content:[]},{title:"Changes of Business Ownership and Control",subtitle:"",description:"",content:[{subtitle:"",description:"”Loyalty Cover Software Limited” may, from time to time, expand or reduce our\n        business and this may involve the sale and/or the transfer of control of all or part of\n        ”Loyalty Cover Software Limited”. Data provided by Users will, where it is relevant to\n        any part of our business so transferred, be transferred along with that part and the\n        new owner or newly controlling party will, under the terms of this Policy, be permitted\n        to use the Data for the purposes for which it was originally supplied to us."},{subtitle:"",description:"In the event that any Data submitted by Users is to be transferred in such a manner, you will not be contacted in advance and informed of the changes."}]},{title:"Your Right to Withhold Information",subtitle:"",description:"",content:[{subtitle:"",description:"You may access certain areas of the Website without providing any Data at all. However, to use all features and functions available on the Website you may be required to submit certain Data."},{subtitle:"",description:"You may restrict your internet browser’s use of Cookies. For more information see Clause 12."}]},{title:" Accessing your own Data",subtitle:"You have the right to ask for a copy of any of your personal Data held by ”Loyalty\n      Cover Software Limited” (where such data is held) by contacting us in writing at\n      ”Loyalty Cover Software Limited”, French Farm Hurley Lane, Hurley, Maidenhead, England, SL6 5LL.",description:"",content:[]},{title:"Security",subtitle:"",description:"",content:[{subtitle:"",description:"Data security is of great importance to ”Loyalty Cover Software Limited” and to\n        protect your Data we have put in place suitable physical, electronic and managerial\n        procedures to safeguard and secure Data collected via this Website."}]},{title:"Cookies",subtitle:"",description:"",content:[{subtitle:"",description:"This Website may place and access certain Cookies on your computer. ”Loyalty\n        Cover Software Limited” uses Cookies to improve your experience of using the Website\n        and to improve our range of products and services. ”Loyalty Cover Software Limited”\n        has carefully chosen these Cookies and has taken steps to ensure that your privacy is\n        protected and respected at all times."},{subtitle:"",description:"All Cookies used by this Website are used in accordance with current UK and EU Cookie Law."},{subtitle:"",description:"[Certain features of the Website depend upon Cookies to function. UK and EU Cookie Law deems these Cookies to be strictly necessary]. These Cookies are shown below. Your consent will not be sought to place these Cookies. You may still block these cookies by changing your internet browser’s settings."},{subtitle:"",description:"You can choose to enable or disable Cookies in your internet browser. By default, most internet browsers accept Cookies but this can be changed. For further details, please consult the help menu in your internet browser."},{subtitle:"",description:" You can choose to delete Cookies at any time however you may lose any information that enables you to access the Website more quickly and efficiently including, but not limited to, personalisation settings."},{subtitle:"",description:"It is recommended that you ensure that your internet browser is up-to-date and that you consult the help and guidance provided by the developer of your internet browser if you are unsure about adjusting your privacy settings."}]},{title:"Changes to this Policy",subtitle:"”Loyalty Cover Software Limited” reserves the right to change this Policy as we may\n      deem necessary from time to time or as may be required by law. 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A variety of claim limits and labour\n          rates available."},{text:"3 – star – A “Listed Component” mechanical and electrical Warranty with both Boost*\n          and Wear and Tear** cover included. A variety of claim limits and labour rates\n          available."},{text:"4 – star – An “All Inclusive” protection covering all mechanical and electrical\n          components other than those listed in the exclusions section, but without Boost or\n          Wear and Tear cover. A variety of claim limits and labour rates available."},{text:"5 – star – “All Inclusive” protection covering all mechanical and electrical components\n          other than those listed in the exclusions section, with Boost* and Wear and Tear**\n          cover included. 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