Terms of Use

Legal Statement

This Legal Statement sets out the terms and conditions under which you may access and use QuotePanel.co.uk. By accessing and using this website you are indicating your acceptance to be bound by these terms and conditions as set out below. The owners of www.QuotePanel.co.uk reserve the right to change / update these terms without prior notice.

1. Introduction

This website, www.QuotePanel.co.uk, is owned and operated by NISEM Limited, company registration number NI070215. NISEM Limited is authorised and regulated by the Financial Services Authority (FSA), our registration number is 502872.

2. Copyright

QuotePanel.co.uk includes a combination of content created by us as well as our selected affiliate companies. All materials published on this website, including but not limited to, written content, photographs, graphics, images, illustrations, marks, logos, sound or video clips and flash animation are protected by our copyrights and / or trademarks and those of our affiliate companies. While a visitor may print or download information from this website for personal use only, QuotePanel.co.uk reserves all it’s rights and strictly forbids any unauthorized use or distribution of the content of this website in whole or in part for any commercial purpose whatsoever. Visitors to this website must not associate www.QuotePanel.co.uk directly or indirectly with any other website, product or service. Exceptions to the above are only available in writing from the site owners.

3. Terms and Conditions of use of this website and Disclaimer

(i) General – The text and articles published on QuotePanel.co.uk represent the personal views of the Webmaster and other contributors and is for information purposes only. It should not be construed in any way as “financial advice” with respect to the Financial Services and Markets Act 2000. You are strongly advised to take appropriate professional financial advice before purchasing any insurance product or entering into any binding contracts with third party companies hyperlinked to or otherwise advertised on this website. You should also read the Policy Document relating to any insurance product you are considering purchasing, to ensure that product meets your needs. QuotePanel.co.uk does not advise on contracts of insurance, we only provide general information on those subjects as well as links to third party companies and their websites by way of advertising and for your convenience. Any reliance you place on any material published on this website is entirely at your sole risk. Those third party companies may request personal details from you for the purposes of providing your insurance quotation. QuotePanel.co.uk does not request such information.

(ii) Status – QuotePanel.co.uk is an online insurance resource directory and advertising medium providing free access to companies who choose to advertise with us and their websites. Neither QuotePanel.co.uk nor its management or employees accept any responsibility or any liability whatsoever, for the terms applying to an insurance product purchased from a third party via a link on this website, or for any complaints relating to those services or products. NISEM Limited is authorised and regulated by the Financial Services Authority (FSA), our registration number is 502872.

(iii) Third Party Links – QuotePanel.co.uk contains hypertext and image links to websites operated by third party companies and as such these websites are not owned, operated, controlled or maintained by QuotePanel.co.uk. While we make every effort to ensure the websites we link to are reputable, QuotePanel.co.uk is not responsible for the availability, content, policies, or practices of linked websites. Links to other websites are provided for your convenience only and you access them entirely at your own risk. You should familiarise yourself with the terms and conditions of any third party websites you choose to visit. The inclusion of any third party content on QuotePanel.co.uk or a link to a third party site is not an endorsement of that third party website, it’s products or services. QuotePanel.co.uk does not recommend, sell, resell or license any of the products or services accessed via third party links and we disclaim any and all responsibility for any liability related to those products or services. Your correspondence or related activities with third parties, including payment transactions, are solely between you and that third party. You agree that QuotePanel.co.uk will not be responsible or liable for any loss or damage of any kind incurred as the result of any of your transactions with third parties. Any questions, complaints or claims related to any product or service should be directed to the appropriate third party company.

(iv) Accessibility – QuotePanel.co.uk is intended for use solely by residents of the United Kingdom (this excludes the Channel Islands and the Isle of Man). Whilst every care and all reasonable steps are taken to ensure this website is always accessible we will not be held liable if, for any reason, the website is unavailable for any period. We may also have to temporarily suspend access to the website for maintenance but we will try to keep any disruption to a minimum. In addition we cannot guarantee that this website will be free of viruses or defects of any description and we will not be held liable for any technical problems you may suffer as a result of your use of this website.

(v) Accuracy and Validity of Information – Whilst QuotePanel.co.uk takes all reasonable steps to ensure that the information generated by ourselves and contained within this website is accurate and up-to-date, it is nonetheless supplied on an “as is” basis and accordingly we do not accept any liability whatsoever for any errors, omissions or inaccuracies. Furthermore QuotePanel.co.uk does not accept any liability for errors, omissions or inaccuracies in the content provided by third party affiliate companies. If you are in any doubt as to the accuracy or validity of information made available on this website we strongly recommend you seek verification by contacting us or the appropriate third party company.

(vi) Warranty Disclaimer – We do not represent nor make any warranty in respect of the accuracy, reliability or supply of any of the services or information presented on this website. The services and information presented on this website is for general information only and is not intended to meet your specific personal requirements. We hereby disclaim any and all warranties, express or implied, to the extent permitted by the applicable laws of Northern Ireland.

(vii) General Disclaimer – To the fullest extent permitted by applicable laws of Northern Ireland QuotePanel.co.uk hereby excludes liability for any claims, loss, or damages of any kind with respect to the service, information and materials given on this website including, but not limited to, direct, indirect, incidental or consequential loss or damage, whether arising from loss of profits, loss of revenue, loss of data, loss of use or otherwise, whether the possibility of such loss has or has not been notified to QuotePanel.co.uk. The above shall apply whether such claims, loss or damage arises in tort, contract, negligence, under statute or otherwise.

4. Privacy Policy

This website, www.QuotePanel.co.uk, is owned and operated by NISEM Limited, company registration number NI070215. NISEM Limited is authorised and regulated by the Financial Services Authority (FSA), our registration number is 502872.

NISEM limited is registered with the Information Commissioners Office on the register of Data Protection Controllers under reference number Z1934204.

We want to protect your privacy and the confidentiality of your personal data, and we understand that this is important to you. This Privacy Policy helps to explain how we obtain and capture your data, what we use that data for, who we share that data with and how we deal with security.

Cookies.

In order to improve your web site experience, we may use cookies. These may record your visit to our web site so that we can gauge which items are of particular interest to you so that we can adjust the web site to meet your specific needs.

You can ask your computer to delete cookies, or you can set your web site browser not to accept cookies. Setting your browser not to accept cookies may reduce your web site experience and could result in parts of our web site not functioning at their full potential.

To disable cookies (internet explorer or Firefox) go to your internet browser, go to tools and then select the options/internet options. Then select ‘privacy’ where you should be given the option to enable or disable cookies.

Tags and clear gifs.

We may use tags to identify if you linked to our web site from another web site or search engine, or if you used a link on our web site to connect with a third party web site. We may have contractual relationships tied to those links where measurement is required. These measurements also more effectively help us manage our marketing approach.

We may use clear gifs or software to measure movement and use of our web site. This helps us improve web site design. We may also use clear gifs within e-mails into to see if the e-mail has been opened. This allows us to evaluate how effective our communications are.

Data capture forms.

If you wish us to obtain a quote then you will need to complete a data capture form displayed on our web site. In order to obtain that quote we need to pass those details on to our panel of specialist insurance providers (insurers and or brokers). They in turn may need to use that data to contact Insurers and others who they may need to use in order to obtain your quote. The data they manage will be subject to their privacy policies.

You have control of the information you provide us with on data capture forms but please remember that if your intention is to arrange an insurance policy then you will need to provide the insurer with truthful information and all material information. Failure to do so could void your insurance cover.

Material information is information that an insurer may need in order to assess and set policy terms including any information (whether requested or not) that might influence the underwriter in the terms they offer or accept or even whether they might decline the risk.

If you provide information about another party, please obtain their permission to do so before submitting that information.

Data storage and security.

We store the data you have provided us with and we treat your data with the same care as we do our own data. The security of all our data is important to us. However, we appreciate that we do live in a real world, and we are as much at risk from theft, hackers and snoopers as is any other firm or premises. We do not operate within a vacuum, and we do not and cannot guarantee security. We can only take security precautions that are in line with our business. We do not offer, warrant or suggest that we operate any specific security measures. If you need more details, please ask.

Use of other parties.

As a business we need to operate with other parties. That can include banks, data backup facilities, server hosting companies, internet service providers, regulatory authorities, suppliers, financial service providers, professional advisers, accountants, programmers, graphic designers, government departments and the Inland Revenue, just to name a few. Your data may be shared, handled or stored by these parties in the course of us carrying out our business.

When we pass your data to our panel of specialist insurance quote providers then they will use that data in order to obtain a quote. We have contractual relationships with these parties and under those contracts they may feed back to us some data regarding your transactions with them. The level of data they feed back is either to fulfill contractual obligations with us or is by way of business.

Use of e-mail and other communication mediums.

When communicating with you, we may make use of e-mail. When e-mails are transmitted, they can travel through different routes in order to arrive at their destination. Along the way, they will pass through intermittent computers and servers. This is outside of our control and a normal risk accepted with e-mail traffic.

When you provide a telephone number, postal address or e-mail address then, please remember those may be used for communication purposes, and you need to be satisfied with the security they offer. If it is someone else’s telephone then, please obtain their permission first.

Bank, credit and debit card details.

We do not collect details about your bank account, credit card details or debit card details. The specialist insurance quote providers may in order to arrange purchase of an insurance policy, but we do not. Therefore, you should not receive any contact from us requesting those details. If you do receive any request for such details then you need to establish the authenticity of the request and the authenticity of the person making the request.

Right to check your information, we hold.

If you need to check the information we hold about you then you can contact us at NISEM Limited, 17 Cairndore Walk, Newtownards, Co. Down. BT23 8PE. UK or via the feed back form on the contact us page of our web site. We reserve the right to make a charge of £10 for this service.

If you request copies of data we hold then we reserve the right (but do not guarantee) to ask you security questions in order to identify who you are before proving such data.

Our right to market our products.

We may use your data to market our products or other products provided through us which we think may be of interest to you. If we do this then we will provide an unsubscribe facility for you to use as required by law.

We may use others to contact you on our behalf.

Worldwide.

Because we deal with other parties it is possible that your data might be stored, handled or processed outside of the European Economic Area. We will, only knowingly, pass your data to persons and business that we know and in whom we have trust. Other persons or business they use or the Countries they are in, may not have the same laws protecting data. We will only send communications to you using a contact address you have provided to us and if that is an email address then the email may travel, be handled or processed outside of the European Economic Area and in Countries that may not have the same laws protecting your data.