Terms
1 – Definitions and Use of our Website
1.1 “you” and “your” means the person who proposes to use or is using the website.
1.2 “we” “us” and “our” means MyBusinesscomparison.com is a trading name of PM Business Marketing Ltd.
1.3 “website” means a site on the world wide web located at www.MyBusinesscomparison.com
1.4 “product or service provider” means the manufacturer, supplier, distributor or provider of any service or product advertised on this website or made available via the website.
1.5 “quote” means a price provided by a product or service provider for comparison with other quotes on the basis of the information you have provided. In providing you with a quote we are not able to guarantee the availability of the product, the service or the price set out as you will need to deal with the product or service provider direct to make a purchase.
1.6 You are permitted to use our website (www.MyBusinesscomparison.com) for your own purposes and to print and download material from this Website provided that you do not modify any content without our consent. Material on this website must not be republished online or offline without our permission.
1.7 The copyright and other intellectual property rights in all material on this Website are owned by us or our licensors and must not be reproduced without our prior consent.
1.8 Subject to paragraph 1.6, no part of this Website may be reproduced without our prior written permission.
2 – Visitor Conduct
2.1 With the exception of personally identifiable information, the use of which is covered under our Privacy Policy [https://www.MyBusinesscomparison.com/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.
2.2 When using this website you shall not post or send to or from this Website any material for which you have not obtained all necessary consents 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 civil liability, or otherwise is contrary to the law in the United Kingdom;
2.3 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 authorised access to our website, the server on which our Website is stored, or any server, computer or database connected to it.
3 – Site Uptime
3.1 We take all reasonable steps to ensure that this Website is available 24 hours every day, 365 days per year. However, websites do sometimes encounter downtime due to the server and, other technical issues. Therefore, we will not be liable if this website is unavailable at any time.
4 – Links to and from other websites
4.1 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 responsibility for such third-party websites or their content. The operation and content of those websites are determined by those third parties and will be governed by separate terms and conditions. We do not accept responsibility or liability for the content of any third-party website, as this is outside of our control.
4.2 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 you do not in any way imply that we are endorsing any services or products unless this has been specifically agreed with us.
4.3 If you choose to link to our website in breach of Paragraph 4.2 you shall fully indemnify us for any loss or damage suffered as a result of your actions.
4.4 You may wish to take the following steps when purchasing a product or service from a third-party website:
4.4.1 Read and ensure that you understand the terms and conditions of their website and terms and conditions of any product or service you might be agreeing with them;
4.4.2 Clarify and/or check your understanding of relevant terms and conditions by seeking independent advice, for example, if the proposed transaction is of significant financial value to you or your insurance criteria is particularly unique or high risk; and/or
4.4.2 We regularly check that all our partners are regulated, however, if you wish to check the insurance provider you are dealing with is regulated (for example, by the Financial Conduct Authority you can do this by checking the Financial Services Register on the Financial Conduct Authority’s website. https://register.fca.org.uk/
5 – Exclusion of Liability
We take all reasonable steps to ensure that the information on this Website is correct. However, we do not guarantee the correctness or completeness of material on this Website. Neither we nor any other party (whether or not involved in producing, maintaining or delivering this Website), shall be liability 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 our website. This exclusion shall include servicing or repair costs and, without limitation, any other direct, indirect or consequential loss.
We are not responsible to you for:
5.1 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
5.2 Any losses you suffer because the information you put into our website is inaccurate or incomplete; or
5.3 Any losses you suffer if the information you put into our website is accurate, but the product or service provider’s website has not accurately reflected that information because its system is not working correctly; or
5.4 Any losses you suffer if you misrepresent any fact which may influence the product or service provider’s decision to accept the risk or the term offered; or
5.5 Any losses you suffer because you cannot use our website at any time; or
5.6 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 maybe 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
5.7 Any errors in or omissions from our website; or
5.8 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
5.9 Any losses 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
5.10 The privacy policies and practices of other linked third-party websites, even if you access them using links from our websites; or
5.11 Any unauthorised access or loss of personal information that is beyond our control.
5.12 This website is directed only at UK residents and nothing within it or these Terms and Conditions constitutes an offer or promotion of service or product to persons outside the United Kingdom. We do not make any warranty or representation that the services we offer are available or appropriate for use by those outside the UK. Should you choose to use the services we provide outside the UK, you do so at your own risk, and it is your responsibility to ensure that you are compliant with any applicable local laws.
6 – How are we paid
The use of our website is free. When you use our website to buy a product or service from a third party, that third party pays MyBusinesscomparison.com a commission.
7 – Product and Services obligations
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:
- Answering all questions honestly, completely and to the best of your knowledge, and ensuring that any assumptions made are correct.
- 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.
- For none insurance policy products and services, the above caveats still apply.
7.1 In order to accept a quotation provided by us you will need to link to the underlying product or service provider website and retrieve your details or, where applicable, contact them by phone.
7.2 Before purchasing a policy it is extremely important that all the information the product or service 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 product or service 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.
7.3 It is important that you read the product or service provider’s terms and conditions to check that you understand and agree with them. The product or service provider’s terms and conditions are not the same as ours and they will be the terms you agree to when you accept a quotation.
7.4 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 product or service provider’s terms and conditions could invalidate your policy.
7.5. 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 product or service provider, it is your responsibility to notify the product or service provider. Failure to inform the product or service provider of any errors or missing information could invalidate your policy
7.6 Where you provide information about any other individual (e.g. named driver) you are confirming to us that you have their authority to do so.
8 – Online Quotes
8.1 We do not control the price, length of offers, or special conditions relating to price comparison quotes, these are set by product or service providers. If you obtain a quote and would like to see how long it is valid for or any special conditions relating to it, please click through the links contained on our website to the product or service provider’s website. Product or service providers’ prices, rates and offer times are updated and amended on a regular basis so our price comparisons are subject to change.
8.2 In order to purchase any of the products or services described on our website you must contact the product or service provider. When a price is shown on this website you will also find a direct link to the product or service provider’s website.
For some products or services, you may need to or choose to complete your transaction over the telephone. The product and contact details of the product or service provider are listed on their website (or in some cases our website).
8.3 You should receive the results of our price comparison technology online through our website. However, we rely on the availability of third-party sites and their server performance. At certain times some or all online quotes may not be available to you due to problems with third-party websites. Wherever possible, we will try to notify you of this.
8.4 Whilst we strive to provide as comprehensive and easy to use a service as possible, the requirements for your quote may not be met if such requirements are unusual, “non-standard” or “high risk”. If this is the case, you should contact a provider directly to discuss your requirements.
8.5 All prices quoted are inclusive of Insurance Premium Tax (IPT) where applicable. This is a levy on insurance premiums set by the UK Government. The amount charged by insurers could change if IPT rates are amended by the Government at short notice.
9 – Offline Quotes
9.1 In the event of a product or service not live for the online price comparison, your details are sent to the product or service providers whose criteria you match, who will contact you directly, in order for you to obtain a competitive quote. Your details may be sent to no more than 5 product or service providers.
9.2 All prices quoted are inclusive of Insurance Premium Tax (IPT) where applicable. This is a levy on insurance premiums set by the UK Government. The amount charged by insurers could change if IPT rates are amended by the Government at short notice.
10 – Complaints
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.
How do you do this?
Click here to use our online contact forms or contact us in the following ways:
In writing via email: complaints@mybusinesscomparison.com
All emails will be responded back to within 24 hours.