Terms of Business
These terms and conditions detail how this Hero website (the "Website") can be used. If you use the Website you agree to be bound by these terms and conditions.
Hero Insurance Services Limited aggregator websites use the following trading names: motorinsurance.co.uk, houseinsurance.co.uk, motorcyclesunited.com, telebikes.co.uk, hero.co.uk and heroinsuranceservices.co.uk.
GENERAL
Definitions
In these terms and conditions, "we" and "us" mean Hero Insurance Services Limited (company number 4092570) whose registered address is Highway House, 171 Kings Road , Brentwood, Essex , CM14 4EJ.
- Access to the Website and content
We will endeavour to allow uninterrupted access to this Website, but access to this Website may be suspended, restricted or terminated at any time.
We reserve the right to change, modify, substitute, suspend or remove without notice any information or service on the Website from time to time.
We assume no responsibility for the content or services of any other websites to or from which the Website has links.
- Our service
We grant you a non-exclusive, revocable, non-transferable licence to use the software on our server to access and collect information from the websites of third party providers as permitted by use of our service.
Using our service allows you to access software on our server which you are licensed to use (as set out in clause 3) to obtain information held on our website or from the websites of third party providers. When you use the service, you may cause our software to send a request to the third party providers for information regarding products and/or services. You acknowledge and agree that when you access and collect information from the third party sites using our software, you do so on your own behalf and that you have not appointed us to act as your agent. We simply make our service and software available to you by which you may access such third party sites.
- Intellectual Property
The copyright and all other intellectual property rights in the material contained in this Website, together with this website design, text and graphics, and their selection and arrangement, and all software compilations, underlying source code and software (including applets) belongs to us or our licensors. All rights are reserved. None of this material may be reproduced or redistributed without our prior written permission. You may, however, download or print a single copy for your own non-commercial off-line viewing.
All rights this website are owned by Hero Insurance Services Limited. Other product and company names mentioned on this Website are the trademarks or registered trademarks of their respective owners.
You shall retain ownership of the data you submit to the Website. You grant us a world-wide, royalty-free, non-terminable licence to use, copy, distribute, publish and transmit such data in any manner.
- Disclaimer
Hero Insurance Services Limited is authorised and regulated by the Financial Services Authority (FSA FRN 308619) to conduct the regulated businesses of introducing and arranging Insurance Products.
Hero Insurance Services Limited, registered in England No. 4092570
Registered Office: Highway House, 171 Kings Road , Brentwood, Essex, CM14 4EJ. To verify our status please refer to the FSA register.
The Financial Services Authority is the principle regulatory body for Financial Services in the UK . They can be contacted at
The Financial Services Authority
25 The North Colonnade
Canary Wharf
London
E14 5HS
Tel: 020 7066 1000
Or by visiting their website http://www.fsa.gov.uk/contact
Nothing within this Website is, or shall be deemed to constitute, financial or other advice or a recommendation to purchase any product or service. Any and all information provided within this Website is for general information purposes only. We strongly recommend that independent professional advice is obtained before you purchase any product and/or service via this Website.
- Exclusions of liability
We use reasonable endeavours to ensure that the data on this Website is accurate and to correct any errors or omissions as soon as practicable after being notified of them. However, we do not guarantee that this Website will be fault free and we do not accept liability for any errors or omissions.
We do not monitor, verify or endorse information submitted by us or third party providers for inclusion on this 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 results page. To the extent permitted by applicable law, we disclaim all warranties, terms and representations (whether express or implied) as to the accuracy of any information contained on this Website.
We do not give any warranty that this Website is free from viruses or anything else which may have a harmful effect on any technology.
Due to the nature of electronic transmission of data over the internet, any liability we may have for any losses or claims arising from an inability to access the Website, or from any use of this Website or reliance on the data transmitted using this Website, is excluded to the fullest extent permissible by law.
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.
Subject to the liability which we accept above: (a) our aggregate liability to you arising out of or in connection with this agreement or use of the Website shall not exceed £100; and (b) we shall not be liable in contract, tort or otherwise howsoever arising out of or in connection with this agreement or use of the Website for any indirect loss*, consequential loss, loss of profits, data, revenue, business opportunity, anticipated savings, goodwill or reputation.
* For losses that were not foreseeable to both parties when the contract was made
* For losses that were not caused by any breach on part of the supplier
* For business losses and/or losses to non consumers.
The clauses in 5 above do not affect your statutory rights
Some channels will provide you with access to third party sites who will host reviews about some of the products and services available. Regardless of whether you are transferred to a third parties site or read a user review on our site, the views expressed therein do not represent the views of Hero Insurance Services Limited or any of its associated companies and Hero Insurance Services Limited are not responsible for the accuracy of any such views or expressions
- Exclusion of liability for third party providers' products and services
You can apply for and buy a number of products and services via this Website. Please be aware that the majority of products and services that appear on this Website are not provided by us and are provided by third parties over whom we do not have control. You should satisfy yourself that you wish to purchase those products or services before contracting with the third parties. We accept no liability for any products or services or information provided by third party providers. The third party providers will be supplying products and services on their own standard terms and conditions and you should check that you agree to those terms and conditions before making an application for financial services products or purchasing other services.
As you view this Website there may be references to specific terms and conditions which apply to certain products or services. In such circumstances, it is your responsibility to refer to such terms and conditions applicable to those offers.
Clause 6 does not affect your Statutory Rights as a consumer.
- Advertisements
The advertisements that you see displayed on this website are delivered on our behalf by a third party advertising company. No personal data for example your name, address, email address or telephone number are used during the course of serving our advertising, but, on our behalf, our third-party advertiser may place or recognize a unique "cookie" on your browser. This cookie does not collect personal data about you nor is it linked to any personal data about you.
- Data submitted by you
You warrant that you have taken all reasonable precautions to ensure that any data you submit to this Website is true and accurate and free from viruses and anything else which may have a contaminating or destructive effect on any part of this Website or any other technology.
- Your telephone calls
Telephone calls that you make to our customer service help line may be monitored 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.
Complaints
Our aim is at all times to provide you with an excellent service. However, if you are unhappy with our service for any reason, please contact the Marketing Team at Hero Insurance Services Limited, James House, 321-323 High Road , Chadwell Heath, Romford, Essex, RM6 6AX or email: aggregatorqueries@hero.co.uk.
If you are unhappy with any product or service that you have been introduced to through any of our channels, we recommend that you approach the provider of that product or service direct. If you require any provider's contact details, please contact our Customer Services Team who will be happy to assist.
If we are unable to resolve your complaint through our internal complaints procedure, you may be able to refer it to The Financial Ombudsman Service at South Quay Plaza, 183 Marsh Wall, London, E14 9SR; Telephone: 0845 080 1800; Email: enquiries@financial-ombudsman.org.uk; Website www.financial-ombudsman.org.uk.
- Payment
You shall pay any registration fees and/or other charges incurred by you in accordance with the payment provisions set out on this Website from time to time.
Full payment for products where required which are typically some of the insurance products on this website should be made at the time of booking, in the secure area of the Website. Payment methods other than those stated on this Website will not be accepted. We will pass your card details and personal details, as necessary, to the insurance provider, who will take payment for the insurance in accordance with its terms and conditions. We reserve the right to charge you for any handling fees that we or the provider incur in respect of your booking. You will be informed of such charges before they are incurred.
Payment for other products and services will be made on the relevant provider's website.
- Data protection
We are committed to protecting your privacy. We may disclose your details or access your account if required to do so by law, by the Financial Services Authority, the Office of Fair Trading or any other applicable regulator, compliance monitor, Governmental or law enforcement agency.
Please read this section carefully as once you use our website and/or our product and/or account aggregation services ("Services") you will be regarded as having read and accepted these Terms and Conditions.You must not use our website or our Services if you do not accept the terms of this document.
The information we collect
We will collect personal information about you which you give to us when you register to use our account aggregation service and when you provide information as part of our product aggregation service, for example, in order to obtain a quote for car insurance. The provision of the Services to you may also require us to store details of your transactions, together with details of your financial information.
Purposes for which we use information about you
We may use your personal information for the following purposes:
- to enable you to access and use the Services; and/or
- to personalise aspects of our overall service to you; and/or
- to communicate with you; and/or
- to process a transaction between you and a third party.
Passing on information about you
Please be aware that once you use our website or our Services, you will be regarded as having given your consent to us disclosing your personal information to the following parties:
- third party providers whose products or services are listed on the results pages of the channels on our website, for the purposes of obtaining an online quotation for you or comparing different products and services as requested by you;
- The Financial Services Authority and/or other regulatory/governing bodies for the purposes of compliance monitoring;
- other third parties either where necessary for those third parties to provide additional products or services requested by you or with your prior consent.
Informing you of offers and services which may be of interest
Please also be aware that on the initiation of a quotation, you will be regarded as having given your consent to us providing you with information, offers and services that may be of interest to you. For example, we may e-mail you or send you a text message letting you know how you could save money by switching the products or services you use. You will also be regarded as having given your consent to us disclosing your personal information to the following parties who may also provide you with information, offers and services:
- other companies in the Hero Insurance Services Limited Group of companies; and
- our trusted business partners
You can ask us to stop passing your information to third parties for marketing purposes at any time, which we will do. Such a request may result in us ceasing to offer the Services to you.
We may disclose information about you in connection with legal proceedings or potential legal proceedings or if otherwise permitted to do so by law.
Third party providers and data privacy
If you decide to enter into a contract with a third party provider through a channel on our website, the information you have provided to us together with any further information requested by, and supplied by you to, the third party provider will be held by the provider for the purposes set out in that provider's privacy policy. Therefore, you are strongly advised to read your chosen provider's privacy policy and satisfy yourself as to the purposes for which the provider will use your personal information before entering into the contract. We have no responsibility for the uses to which a provider puts your personal information once you have contracted with that provider.
Your Rights
You have certain rights under the Data Protection Act 1998. For example, we will always let you have a copy of all personal information we have about you should you request it. We may charge you a fee for a copy of such information.
- Termination
We may terminate or suspend your access to this Website and the services within it at any time.
All disclaimers, indemnities and exclusions in these terms and conditions shall survive termination of the agreement between us for any reason.
- General
The content of this Website is directed solely at those who access the site from the United Kingdom . We make no representation that any product or service referred to in this Website is available or otherwise suitable for use outside of the United Kingdom.
This Website is for your non-commercial, personal use only and must not be used for business purposes
If any provision of this agreement is held to be unlawful, invalid or unenforceable, that provision shall be deemed severed and where capable the validity and enforceability of the remaining provisions of this agreement shall not be affected.
If we fail to enforce a right under this agreement, that failure will not prevent us from enforcing other rights, or the same type of right on a later occasion.
We may modify these terms and conditions at any time. Your continued use of this Website signifies your acceptance of such modifications.
Except as set out below in this clause, neither party may assign or transfer any of its rights under these terms and conditions without the prior written consent of the other.
We may assign or transfer our rights under this agreement pursuant to a re-organisation of trade or share sale, or to any company in the Hero Insurance Services group of companies for our convenience.
Unless expressly provided in this agreement, no term of this agreement is enforceable pursuant to the Contracts (Rights of Third Parties) Act 1999 by any person who is not a party to it.
Governing law
These terms and conditions are governed by and construed in accordance with English law. Any disputes shall be subject to the exclusive jurisdiction of the English courts, to which each party submits.
GUIDANCE NOTES
The following sections form part of the terms and conditions and provide more specific guidance on certain products and services
- Insurance products and services
Our insurance channel allows you to compare insurance policies for various types of insurance products and services
Please be aware that it is very important that before you buy any policy you carefully read the terms of the policy, the insurer's terms and conditions and any other relevant documentation which applies to the policy. We will aim to give you enough information so that you can make an informed decision about your insurance but you should not rely solely on the information provided within our insurance channel. You must familiarise yourself with all the details of the policy, for example, the restrictions, exclusions, conditions and obligations which apply to the policy. You must ensure that the policy matches your requirements and that you agree to the terms of the policy before you place an order to purchase any insurance product or service. We accept no responsibility whatsoever in the event that any policy purchased by you does not meet your requirements.
Insurers will use the information you input into the fact finding questionnaire to calculate their premium and any offer of insurance cover. It is your responsibility to ensure that such information and all other information you provide to the insurers (before cover begins and during the term of any policy you take out) is complete, accurate and not misleading. The information you supply maybe used to carryout certain credit checks through licensed credit-referencing agencies. This is used as part of the underwriting process for some of the insurers and a record of this search will be made. If you are in any doubt as to whether any information is relevant you should disclose it. If you do not provide all such information your selected insurer may be able to treat your insurance policy as if it never existed.
In the event that you decide to buy an insurance product or service, the confirmation of cover, the full policy documentation, details on how to make a claim and other relevant details should be sent to you by the insurer and not by us. For example, if there are any changes to your policy those changes should be communicated to you by your insurer. It is the insurer's responsibility to provide all relevant documentation to you and we can accept no responsibility in the event that you do not receive the documentation requested or expected.
Home Insurance Assumptions
Our service provides a 'quick quote' system, and in doing so we have answered some questions on your behalf and made assumptions for the answers. If these assumptions are incorrect it is your responsibility to change the answers when making an application.
Motor Insurance Assumptions
Our service provides a 'quick quote' system, and in doing so we have answered some questions on your behalf and made assumptions for the answers. If these assumptions are incorrect it is your responsibility to change the answers when making an application.
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