Terms and Conditions of Use of the eComparison.co.uk Website

These terms and conditions detail how the eComparison.co.uk website (the "Website") can be used. If you use the Website you agree to be bound by these terms and conditions. If You do not agree to these Terms and Conditions, You should not use the Website. You should read all the Terms and Conditions prior to using the Website.

About Us

eComparison.co.uk is a Website operated by Spear.co.uk Limited ("We" and "Us"). We are registered in England and Wales under company number 04921391 our registered office is Spear House, Cobbett Road, Burntwood, Staffordshire, WS7 3GL. If You have any queries about material appearing on our Website or if You have questions about Your use of this Website or these Terms and Conditions please write to us at this address or get in contact using the 'Contact Us' form on the Website.

Changes to these Terms and Conditions

We may from time to time vary these Terms and Conditions. Please check these Terms and Conditions on a regular basis to ensure You are aware of any such variations made by us. By continuing to use this Website, You are deemed to have accepted such variations. If You do not agree to such variations, You should not use this Website.

Access to the Website and Content

We will always try to provide You with uninterrupted access to Our Website, but We reserve the right to suspend, terminate or restrict Your access to Our Website at any time. We also reserve the right to modify, substitute, suspend or remove without notice any content or service on the Website.

Intellectual Property

The copyright and all other intellectual property rights in the material contained on the Website, together with the website design, images, and source code belongs to us and all rights are reserved. This material may not be reproduced or redistributed without our prior written permission. You must not use any material from the Website in any manner that may infringe any copyright or intellectual property rights of us or any third parties. You may only view or print out a single copy or make use of the Website and the material contained on the Website for Your own personal, non-commercial use.

Our Liability

We use reasonable endeavours to ensure that the data, material and information on the Website is accurate. We are not responsible for inaccuracies or any errors or omissions.

The information provided on the Website is intended as information only and does not constitute advice. Therefore, it must not be relied on when making a decision or deciding on a course of action.

The material on the Website is provided "as is", without any conditions, warranties or other terms of any kind. We are not liable for any loss, injury or damage of whatever kind caused in whole or in part by use of the Website or the information provided therein, or by our failure to perform any of our obligations under these Terms.

Under no circumstances will we be liable for any direct, indirect, incidental or consequential damages, including loss of profits, goodwill or business benefit.

We do not give any warranty that the Website is free from viruses or anything else which may have a harmful effect on any technology.

We do not monitor, verify or endorse data, material and information submitted or provided by third parties which is included on the Website and you should be aware that such information may be inaccurate, incomplete or out of date. We do not guarantee the accuracy of the information on the Website, nor for the availability of such products/services from third parties. Nothing on this Website should be taken as an offer to sell goods/services.

The Website provides reviews of products/services submitted by Users. Views and opinions expressed in content submitted by Users are those of the individual submitting the material, not those of eComparison and we accept no responsibility for the content of such posts.

Your Obligations

You warrant that all reasonable precautions have been taken to ensure that any data you submit to the Website is true and accurate. All content submitted by You, including, but not limited to, Your name, biographical information, images, text, and all other information and material shall be called "Your Content" for short. You grant to eComparison a non-exclusive, perpetual, irrevocable, royalty-free licence (including full rights to sub-license) to use Your Content (including, without limit, the right to adapt, alter, amend or change Your content) on the Site for use on the Site in accordance with the terms of this Agreement and for such other uses as we think fit (including, without limit, the right to sub-licence to third parties) in our absolute discretion via any and all media (whether existing now or invented in the future). You grant us all necessary rights, licences, consents and clearances to allow us to use Your Content in accordance with the terms of this Agreement and waive and agree not to assert any moral or similar rights you may have in any Content that you submit.

You warrant that any material You submit is Your own work or that You have obtained all necessary rights and permissions of the relevant owner and that You have all relevant rights in Your Content to enable You to grant the rights in this clause.

Publication of Your Content will be at our sole discretion and we are entitled to make additions or deletions to any such material prior to publication, after publication or to refuse publication.

You guarantee that Your Content or its use in accordance with the terms of this Agreement shall not:

If Your Content contains any material that is not owned by or licensed to you and/or which are subject to third party rights, you are responsible for obtaining, prior to submission of Your Content, all releases, consents and/or licenses necessary to permit use and exploitation of Your Content by us in accordance with the terms of this Agreement without additional compensation.

Exclusion of liability for third party providers' products and services

You can apply for and buy a number of products and services via the Website. Please be aware that many of the products and services that appear on the 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.

Links to third party websites and companies may appear on the Website. Such third party websites are not the responsibility of eComparison and thereby We accept no responsibility for the availability, suitability, reliability or content of such third party websites and do not necessarily endorse the views expressed within them.

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 provide more specific guidance on certain products and services:

Voucher Codes

Voucher codes are provided by third parties and therefore eComparison offers no guarantee that the codes are valid. You are advised to check any discounts have been applied prior to commiting to any purchase.

Privacy Policy

eComparison is committed to ensuring that your privacy is protected. This Privacy Policy explains how we collect and use any Personal Information you provide to us, and how we safeguard the privacy of such information.

Introduction

We want you to know that we respect the privacy of every user who visits the Website and every user who makes an enquiry through the Website. We set out below what information we learn about you when you visit the Website, what we do with that information, and how you can change the information we have.

The Information We Collect

We do not collect any personal information from our Website visitors so you are free to visit our Website as often as you like without the need to register. The only condition is that all users of this site must agree to our Terms and Conditions of Use and this Privacy Policy before using this Website.

Our Website uses software features known as “cookies”, which are small pieces of data that are stored on your hard drive when accessing a website and we may use them as follows:

(a) to allow us to know when users return to our website and which pages or services you access while there; and

(b) to gather information on an aggregate basis in order to identify the most popular areas of our Website and make it easier for users to access them.

You are encouraged to visit our Website and make enquiries in relation to our products and services. Where you submit an enquiry to us you may be required to submit to us your name, e-mail address and/or your telephone number (if appropriate) (together referred to as “Personal Information”).

Disclosure of Information

We want you to feel free to use and explore our Website without worrying about whether your visit will generate unwanted sales or marketing activity such as junk mail or spam.

eComparison complies with and is registered under the Data Protection laws in the United Kingdom (see below). We take all reasonable care to prevent any unauthorised access to and use of your personal data.

Our staff and those working for our agents and contractors maintain a responsibility to keep your Personal Information confidential and will only use it to offer relevant products and services related to your enquiry or order.

Whilst any Personal Information that we use to provide or promote our services to you will not be passed to any third party organisation for marketing purposes, on occasion your details may be shared by eComparison approved contractors or agents, in order to inform you and/or produce relevant services.

If you do not wish to receive this information from eComparison or our associates or wish to delete Personal Information you have submitted through the Website please write to us at eComparison.co.uk c/o Spear.co.uk Limited, Spear House, Cobbett Road, Burntwood, Staffordshire, WS7 3GL

We reserve the right to disclose personal data to any third party which has a legal right to request such information.

If a third party acquires control of the business of eComparison, we may transfer personal data we then hold to that third party.

Security of Data

We will provide the same protections in respect of any electronic communications received from you as those employed in respect of information received by post and telephone.

When our enquiry form asks you to enter sensitive information that information is encrypted by the use of security systems with encryptions and firewalls, provided on a secure socket layer (SSL), to protect the confidentiality and integrity of your information from unauthorised access and disclosure.

If you have any questions about the security of our Website please get in contact with us using the ‘Contact Us’ form on the Website.

Data Protection Act (1998)

We are registered for the purposes of the Data Protection Act 1998 (Registration Number: Z9226265), and make every effort to ensure that our systems and procedures meet the both the legal requirements and the best practice recommendations of the Act.

For more detail about your rights under the act, the rules we have to adhere to in collecting and storing your information, and how you can check your data records visit www.dataprotection.gov.uk.

You have a right to receive a copy of the information we hold about you by sending your request, together with an administration fee of £10 to eComparison.co.uk c/o Spear.co.uk Limited, Spear House, Cobbett Road, Burntwood Business Park, Burntwood, Staffordshire, WS7 3GL.

Links to Other Sites

If you use a link on this Website to take you to another site, your privacy will not be protected in accordance with this policy. You will need to check that website’s own privacy statement.

We make no representations as to the accuracy or any other aspect of information contained in other websites.

Consent and Changes to the Privacy Policy

By using this Website you consent to our collection and use of your Personal Information as stated above.

We want you to be aware of the information we collect and how we use it at all times.

If we need to change our Privacy Policy we will post the changes on this page. Continued use of the Website will signify that you agree to any such changes.

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