The agreement
By using our website and comparison technology you are agreeing to these terms and conditions so that we can deliver to you the cover you require where it is available from online providers for UK insurance. If you do not agree to these terms of use, please refrain from using 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.
The service
We provide a fully independent and online insurance search engine, designed to save you time and money when it comes to reviewing your insurance. Not only will we endeavour to find you the most competitive quotes but also provide you with the information required to make an informed choice on which policy best suits your needs. We source products but do not offer advice or make recommendations. We will ask some questions to help source quotations, you will then need to make your own choice about how to proceed.
The company
2U Ltd. is a limited company registered in England and Wales, Registered Address:
C/O SHELLEY STOCK HUTTER
1ST 7-10 CHANDOS STREET
LONDON
W1G 9DQ
Company Reg: 05571281
We will provide you with a quotation based on the information you have provided to us. It is essential that all information and answers are true and accurate and that you also disclose all relevant facts. If you do not provide accurate information and disclose all relevant facts this could lead to your insurance being invalid and claims may not be paid.
In order to accept a quotation provided by our price comparison technology, you will need to link to the underlying insurance company website and retrieve your details to accept the policy or, where applicable, contact them by phone. Before accepting a policy it is of the utmost importance that
all the information the insurance company holds on you is accurate. It is therefore important that you carefully read through the information on the insurance company's website to check that it is correct and that you have disclosed all relevant facts. Neither we nor the insurance company checks
the information you input into our price comparison website so you must check it. If your information is not correct, or if you have failed to disclose all material facts, your insurance may be invalid and claims may not be paid.
It is important that you read the insurance company's terms or conditions to check
that you understand and agree with them. The insurance company's terms or conditions are not the same as ours and they will be the terms which you will be agreeing to when accepting a quotation.
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.
Particular attention must be paid to any warranties and conditions as failure to comply with them could invalidate your policy.
If the information supplied by you is not correct, it is your responsibility to identify the mistake on the insurance company's website. We do not accept any responsibility to you if your insurance is invalid because you made a mistake in providing the correct information or if you failed to
disclose relevant facts to us or to the insurer.
If you have any doubt whether further information about you, not requested during the 2u.co.uk service, is required to be disclosed to the insurer or if you think that something shown on the insurance company's website may be incorrect, please contact the proposed insurer before you accept the quotation.
Complaints
We set ourselves very high standards and look to provide these high standards in everything we do, but we also know there may be occasions when you feel we have not achieved this. In these rare cases we want you to tell us as this is the only way
we'll be able to improve our service. You can write, telephone, fax or send an email to us and we will look to resolve the matter as quickly and as fairly as possible.
2U Limited
Sunderland Court
36 Main Street
Lubenham
Market Harborough
Leicestershire
LE16 9TF
E-mail: admin@2u.co.uk
Tel: 01858 466455
Fax: 01858 451712
Our office opening hours are Monday to Friday 9am to 5pm, excluding bank holidays.
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. The insurance company will then reply to your complaint directly.
We are responsible to you for:-
* any statements made by our employees to you which are not true statements of fact and which are made by the employee with fraudulent intent;
and
* any statements made by our employees to you which are misleading or untrue.
We are not responsible to you for:-
* any losses you suffer because the information you put into our price comparison website is inaccurate or incomplete; or
* any losses you suffer if the information you put into our price comparison website is accurate but the insurance company's website has not accurately reflected that information because the insurance company's system not working adequately; or
* any losses you suffer if you fail to disclose all relevant facts to the insurer; or
* any losses you suffer because you cannot use our price comparison website at any time; or
* 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
* if our website is unavailable at any time or for any period; or
* any errors or omissions in our website; or
* any losses you may suffer by relying on any commentary or postings on our
website; or
* 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
* the privacy policies and practices of other linked third party websites, even if you access them using links from our website; or
* any unauthorised access or loss of personal information that is beyond our control.
Other important information
Intended use
This website is intended for use of UK residents only and due to this, applications from non-UK residents will not be accepted. These terms and conditions shall be governed by and interpreted in accordance with the Laws of England and Wales.
Links to other websites
We provide links to third party websites as part of our service. We accept no liability for any statements, information, content, products or services that are published on, or may be accessible from, these third party websites. We can also give no guarantee
they are free from viruses or
anything else that could be infectious or destructive.
Website content
We have taken every step to ensure the information contained and displayed on our website is accurate and up-to-date. However, we can accept no liability for any errors or omissions. We reserve the right to add, amend or delete content from the website at any time.
Commercial use
Please note this website is for non-commercial, personal use only (which means for use by an individual or for a business to source their own products and services). We reserve the right to take legal action against any person or company who uses our website and/or services for commercial
use or in any other unauthorised manner. This 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. Intellectual property
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 in our website. The website is protected by copyright laws and treaties around the world. All such rights are reserved save as expressly stated in these terms.
You may print off one copy, and may download extracts, of any page(s) from our website for your personal reference only and you may draw the attention of others within your organisation to material
* the material may not be used for commercial purposes without obtaining a licence to do so from us or our licensor's;
* the copies must retain any copyrights or other intellectual property notices contained in the original material;
* any images on the website are protected by copyright and may not be reproduced or used in any manner without written permission from the owner;
and
* 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.
* our status (and that of any identified contributors) as the authors of material on our website must always be acknowledged.
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).
Reliance on information provided
Commentary and other materials posted on our website are not intended to amount to advice on which reliance should be placed. We therefore disclaim all liability and responsibility arising from any reliance placed on such materials by any visitor to our website, or by anyone who may be informed of any of its contents.
Amendments
We reserve the right to amend our terms and conditions at any time. The amended terms will be effective from the date they are posted on our website.
Privacy statement
Data protection
This policy has been developed because we want you to feel confident about the privacy and security of your personal information entered on our website. We follow strict security procedures in the storage and disclosure of your information as required by law. Our security procedures mean that we may ask for proof of your identity before we will disclose information about you, or to you, be this on our website or over the telephone.
In order to provide our service to you we need to collect and process personal information about you and disclose that information to a number of third party service providers. This information is necessary to provide you with the quotations
you have requested. All personal information will be
held in strictest confidence and used only for the purposes for providing you the service requested with certain caveats as described below.
Information disclosure
Our comparison technology will disclose the information you have entered into the 2U.co.uk website to our partner websites for the purpose of providing us with quotations on the requested product. We will also be using your data for our own research and for tracking any purchased policies. By using our website you are giving us permission to use your data in this way.
Except as set out in this Privacy Statement, we will not disclose any of your information to other parties without your permission unless we are legally required to do so by, for example, a court order or for the purposes of prevention of fraud or other crime. By submitting information into
our website, you consent to the processing of this data about you by us and the product providers. We may also use the information you supply to keep you informed of current or new products and services, or to remind you when your renewal is due.
If you are not happy for your data to be used in this way, you can unsubscribe to remove your details from our contact list. If you have further queries with regards to your personal data, please feel free to email us on unsubscribe@2u.co.uk or write to us at:
Data Protection Officer
2U Limited
Sunderland Court
36 Main Street
Lubenham
Market Harborough
Leicestershire
LE16 9TF
United Kingdom
Unsolicited emails and phone calls
Most websites will send a confirmation email once a quote has been completed on their website, but as we go to a large number of websites with our technology, you could receive further emails or phone calls from our partners. To prevent this from happening we will not opt-in to marketing
communications on any of the underlying websites. By taking this route for you, you should not receive any communication from any of the providers other than those outlined in this Privacy Statement. Although we cannot guarantee this we do have contractual arrangements in place to prevent our partners doing this, so please let us know if you do experience any problems.
If you click through to a third party website from our website, we cannot guarantee you will not be contacted by these parties. We recommend that you read their Terms & Conditions regarding your right to opt-in or out of receiving further contact from them
Your personal data
Monitoring or recording of your calls, emails, text messages and other communications may take place in accordance with UK law, and in particular for business purposes, such as for quality control and training; processing necessary for the entering into or the performance of a contract; to prevent
unauthorised use of our telecommunication systems and websites; to ensure effective systems operation; to meet any legal obligation; in order to prevent or detect crime; and for the purposes of the legitimate interests of the data controller.
Confidentiality
We will endeavour to treat all your personal information as private and confidential. Other than under the terms of this Privacy Statement we will not disclose any of your information to anyone. We would like to bring your attention though to our obligations to disclose information in the
following exceptional cases permitted by law. These are where we are legally compelled to do so; where there is a duty to the public to disclose; where disclosure is required to protect our interest; and where disclosure is made at your request or with your consent.
Should you take the decision to make a complaint about the service we have
provided, we may be obliged to forward details about your complaint, including your personal information, to the relevant ombudsman in existence at the time. You can be assured that they are similarly obliged to adhere to the Data Protection Act 1998 and keep your information strictly confidential.
Cookies are small text files placed on your computer and are commonly used on the internet. They allow us to make our website more useful based on stored information about your preferences when you visit us. We do not store cookies beyond such interaction. If you choose to, you can set your web browser to reject cookies from our service, although you may not be able to experience the full service we provide if cookies are disabled.
Law
These terms of trading are subject to English law and to the exclusive jurisdiction of the English courts. You acknowledge that by providing data to us, you consent to the processing of your data in accordance with this privacy and security statement.
Security statement
Third party site security
We cannot be responsible for the privacy policies and practices of other websites, even if you access them using links from our website and recommend that you check the policy of each website you visit.
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