Terms and Conditions

By using our site you agree to be bound by these Terms and Conditions. We kindly suggest and recomend to you to please familiarise yourself with the website, and the processes involved, by reading the following terms and conditions carefully before using the services available by using Business Insurance Finder's site.

Business Insurance Finder and all associated services' terms and conditions can and are subject to change, without any prior notice. If you use our website and associated services regularly or if is important to you, then we would recommend that from time to time you check these terms and conditions to update yourselves of amendments or changes, if any. You will have deemed to agree to any changes by using Business Insurance Finder services after any changes have been made, whether you have or have not reviewed them. At any time if you then decide to disagree with these terms and conditions, please stop using Business Insurance Finder's services.

Scope

Websites that Business Insurance Finder only links to are obviously not bound by our terms and conditions, as they remain outside of our control. However all of the sites and services owned or operated by us are covered by these Terms and Conditions.

Restrictions

Business Insurance Finder, its websites, and its content is protected by UK and international copyright, as well as trademark laws and remain the property of Business Insurance Finder unless otherwise noted. You may only access the content within this site for your personal use.

We would like to respectfully bring to your notice in these terms and conditions that you are not permitted to modify, copy, publish, display, transmit, adapt or in any way commercially exploit the content of the Business Insurance Finder sites without prior written consent from us in writing.

Business Insurance Finder Scope

Business Insurance Finder act only as a locator or virtual directory service and serves to create a link between the business consumer and bonefide insurance service providers or agents. Business Insurance Finder and its members will not be held responsible for any errors with any insurance cover requested, ordered or insurance services supplied by suppliers linked to our site. The consumer is solely responsible in checking that all Insurance cover requested is sufficient for their purposes, contains the appropriate information, and that all Insurance quotes supplied by the Insurance Provider (insurance policy or insurance provider and not Business Insurance Finder) conform with and are consistent with the insurance quote and cover requested. The insurance consumer (i.e. the user of the our sites) is solely responsible for keeping appropriate records of all conversations, and correspondence with any insurance provider be it by phone, email, post or otherwise, and that any Insurance contracted, and ordered are covered by the specific insurance organisation's or Association of British Insurers's guarantees and business insurance guidelines and Business Insurance Finder will not be held responsible for any problems or discrepancies. No refunds are given by us to any consumer for any insurance services incorrectly ordered by them using the site or any insurance services supplied incorrectly. The consumer is responsible for checking that the insurance advice and assistance offered by the respective websites visited as a result of utilising our services and links, and any insurance cover ordered is the correct insurance cover and policy. Any problems with any ordered insurance the consumer should take the issue up with the insurance provider, organisation or supplier. Business Insurance Finder offers to provide some support and may assist in a dispute or issue on a 'best efforts basis' and reserves the right to levy a charge for any additional work involved. It regrettably cannot guarantee any desired result, refunds or satisfaction to a consumer of the service.

Contacting the Insurance Provider on the provided Number

Callers who phone the insurance providers' contact number supplied by a insurance services quote need to be 18 years old or above and have the full permission of the person who pays the bill. We will not be held responsible for any unauthorized use of your telephone to access our services as this is out of our control.

Disclaimer

The insurance information services and materials provided by Business Insurance Finder are provided 'as is' and without any form of guarantee, professional indemnity, warranty, expressed or implied. Business Insurance Finder disclaims any guarantee, professional indemnity, warranty, express or implied including but not limited to indemnities of professional negligence, incompetence, guarantees of improved performance, warranties of merchantability and fitness for a particular purpose.

Business Insurance Finder is unable to and explicitly does not recommend a specific policy, level of cover or type of insurance nor warrants that any services shall be provided uninterrupted or error-free, or that problems shall be corrected or that the server that makes them available are free of viruses or other harmful components.

Business Insurance Finder is unable to and explicitly does not guarantee any aspect of its services or materials provided, including but not limited to their correctness, accuracy or reliability. You (and not Business Insurance Finder) assume the entire cost of all necessary indemnity insurance, professional liability, business risk cover, business protection, or any on-going involvement and/or any other related business matter or its correction.

Applicable law may not allow the exclusion of implied indemnities, guarantees, warranties, so the above limitation or exclusion may not apply to you.

We do not endorse, warrant or guarantee any products or services offered by Business Insurance Finder. We have no overall control and in general are not a party to, or monitor, any transaction between users (consumers) and third party providers of professional indemnity insurance products or business professional insurance services.

Limitation

Under no circumstances will Business Insurance Finder be liable for any special, incidental or consequential damages that result from the use of, or the inability to use the services and materials provided, even if advised of the possibility of such damages.

Applicable law may not allow the exclusion of liability or incidental or consequential damages, so the above limitation or exclusion may not apply to you.

In no circumstances shall the total liability to you by Business Insurance Finder for all damages, losses and causes of action exceed the amount paid by you to Business Insurance Finder, if any, for accessing Business Insurance Finder services and materials.

Jurisdictional

Business Insurance Finder is operated and controlled from offices in Teesside, UK. Business Insurance Finder does not represent that the services and materials offered by Business Insurance Finder are appropriate for use in other locations. Persons who choose to use Business Insurance Finder from other locations do so on their own initiative and are responsible for compliance with local laws, if and to the extent local laws are applicable.

Miscellaneous

Our Terms and Conditions are suitably governed by and construed in accordance with the laws of the United Kingdom, without regard to any principle of conflicts of law. You agree that any action at law or in equity that arises out of or relates to these terms will be filed only in the UK, and you hereby consent and submit to any personal jurisdiction of such courts for the purposes of litigating any such action. If any of these Terms and Conditions are found unlawful, void, or for any reason unforceable, then that provision will be considered severable for the remaining Terms and Conditions, and will not affect the validity and enforceability of the remaining provisions. This is the entire agreement between you and Business Insurance Finder relating to the subject matter it contains. This agreement may be modified by posting changes to these Terms and Conditions or by a writing signed by both parties. Any inquiries concerning these Terms and Conditions of use should be directed to businessservicefinder@googlemail.com.

Privacy Policy

Business Insurance Finder ensures and maintains a continous obligation to protect your online privacy while delivering an informative, useful and ideally pleasant Internet and experience of the web. You are able to access a variety of facilities and features of Business Insurance Finder without revealing your identity, but you are oblidged to submit key information personal to you in order to access the important areas, sometimes described as the 'premium content and services' of the website.

Using our site gives you priviledges and access to the site's information and features. Although highly unlikely, it may be necessary to occasionally send you postal mail, email or by phone to notify you about important changes to the site, or new services, and special new features.

Our Free Business Information service lets you sign up to receive e-mail product announcements and other news from third parties, including business organisations and service providers. You can add or remove information topics from your personal list at any time on your Free Info page.

As you probably know, when you visit websites "cookies" are small pieces of information that some Web sites store on your computer's hard drive to save you time, and enrich your expereince as an internet user. There are usually far too many for any one person to remember. Other Web sites, simialrly to Business Insurance Finder also use cookies to identify members and frequent visitors so they don’t have to enter a user ID and password each time they log into the site. Web browsers normally automatically accept cookies but offer a facility to allow the user to amend the security settings allowing you to consent, approve or reject cookies on a case-by-case basis. In the unlikely event that you choose not to use cookies, you wll still be able to access all of the features on our site by simply logging in on a manual basis each time you visit our sites.

While Business Insurance Finder does not provide any third-party access to your personal information except to facilitate your own attempts to register with our partners or receive offers from select partners as mentioned elsewhere in this policy, we may provide third parties with aggregate statistics about our customers, traffic patterns, and related site information. This data reflects site usage patterns gathered during millions of customer visits to our Web site each month, but it does not contain behavioral or identifying information about any individual member unless that member has given us permission to share that information.

By using our Web site, you give us permission to collect information about the pages served to you as an anonymous user for the purpose of calculating aggregate site statistics. By using our service you authorise Business Insurance Finder to use information you provide to personalise the information we deliver to you and to use your demographic information when calculating aggregate customer data.
If you are under the age of 18, you must not provide your name, e-mail address, or any other identifying information without the consent of your parent or guardian, or as otherwise provided for by applicable law. Any changes to our privacy policy will be posted on this page so that you are always aware of what information we collect, how we use it, and under what circumstances we disclose it.

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