Terms & Conditions

1.0 Introduction

1.1 Itcouldbecheaper Limited ("we") takes your privacy seriously. This Privacy Policy explains how we will use information about you and the steps we take to ensure your information is kept secure and confidential. Please read this Privacy Policy carefully. Use of this website will be considered by us as your acceptance of this Privacy Policy.

1.2 Use of our website by you will be considered as acceptance of the contractual Terms of Use contained herein ("Terms of Use "). These Terms of Use cannot be varied or added to without our written consent. The Terms of Use form the basis of all contractual relationships between us and you the Customer.

1.3 We may alter, add to, delete or amend these contractual Terms of Use from time to time. An up to date version of our Terms of Use will always be available on our website.

1.4 We act as and take the responsibility of the data controller under the Data Protection Act 1998 in relation to the processing of your personal data in connection with the services we provide ("Services"). Our company registered number is 08649919 and our registered address is 3 Kenwood Road, Sheffield, S7 1NP. If you have any queries relating to our use of your personal data or any other related data protection questions, please write to our Data Protection Officer at the registered office address.

2.0 The information we collect

2.1 We collect personal information about you when you give it to us in the course of registering for and/or using our Services. We need to do this so that we can properly provide our Services. In the course of providing the Services to you, we may also store information about how you use our Website. This information could include details of your financial information, bank account or payment details. Please also see our Privacy Policy and Data Retention Policy.

2.2 Telephone calls to us may be monitored and/or recorded to help us train our staff and improve our Service.

3.0 Purposes for which we use information about you

3.1 We may use your personal information for the following purposes:

3.1.1 to enable you to access and use the Services; and/or

3.1.2 to personalise and improve aspects of our overall service to you and our other users, as well as carrying out research such as analysing market trends and customer demographics; and/or

3.1.3 to communicate with you, including sending you information about products and services which we think may be of interest to you, and sending you annual insurance renewal quotes based on information you previously provided to us if you have requested insurance quotes; and/or

3.1.4 to process a transaction between you and a third party.

4.0 Passing on information about you

4.1 The use of our Services implies your consent to us in disclosing your personal information to the following parties (please also see our Privacy Policy):

4.1.1 Third parties, including but not limited to companies whose products or services are included on our website with a view to providing you with an online quotation for the product and/or service requested by you. When these companies use your data in this way, they will be acting as data controllers of your information and therefore you should view their privacy policies or contact them directly for further information. For further information about these third parties please contact us. Some third parties with which we share your information may use it to carry out their own research into you, your details and purchasing trends.

4.1.2 The Financial Conduct Authority and/or other regulatory/governing bodies for the purposes of compliance monitoring;

4.1.3 Selected other third parties whose products, services or other offers we believe may interest you (see our section on Keeping you informed about offers and services below);

4.2 If you use our Services to search for and compare insurance products, the information you provide may be used to carry out certain credit checks through licensed credit-referencing agencies. This is used as part of the underwriting process for some of the insurance providers and a record of this search will be made although this will not adversely affect your credit profile.

4.3 Where permitted by data protection and privacy law, we may also disclose information about you, or access your account:

4.3.1 if required or permitted to do so by law; and/or if required to do so by any court, the Financial Conduct Authority, the Office of Fair Trading or any other applicable regulatory, compliance, Governmental or law enforcement agency; and/or if necessary in connection with legal proceedings or potential legal proceedings; and/or in connection with the sale or potential sale of all or part of our business or the company.

4.4 If we reasonably believe false or inaccurate information has been provided and fraud is suspected, details may be passed to fraud prevention agencies to prevent fraud and money laundering.

5.0 Keeping you informed of offers and services

5.1 You agree that we and other trusted third parties shall be entitled to advise you via e-mail, post, telephone or by text of future Services.

5.2 Whenever you provide us with personal information, we will give you an opportunity to tell us you do not consent to us and others using and sharing your information for marketing purposes. Unless you tell us otherwise you are consenting to such uses.

5.3 Any electronic marketing communications we send you will include clear and concise instructions to follow should you wish to unsubscribe at any time. Should you no longer wish to be contacted by us please email us at admin@itcouldbecheaper.com.

5.4 You can also ask to stop passing your information to third parties for marketing purposes. We will do this as soon as is practical but such a request may result in us ceasing to offer the Services to you.

5.5 If you no longer wish to be contacted by third parties for marketing purposes, please follow the instructions in their marketing communications, or consult their privacy policies for further information about unsubscribing.

6.0 Improving our Service to you

6.1 In order to improve and monitor the Services we may ask you for feedback on your experience of dealing with us. Any feedback you provide will not be published on the website.

7.0 Third party providers and data privacy

7.1 If you decide to enter into a contract with a third party provider through this Website, all information you have provided or do subsequently provide will be held by the provider for the purposes set out in that provider's privacy policy. You are strongly advised to read your chosen provider's privacy policy. We have no responsibility for the uses to which a provider puts your personal information.

8.0 Cookies

8.1 A cookie is a very small text file placed on your computer. Please also see our Privacy Policy. Cookies help us to:

8.1.1 understand browsing habits on this Website;

8.1.2 understand the number of visitors to this Website and the pages visited; and

8.2 Most cookies are deleted as soon as you close your browser. The cookie used to keep you signed in to your account expires after 90 days. Every time you visit us you will be kept signed in for a further 90 days. By using this Service, you consent to us using cookies. You can choose to block or delete cookies through your browser settings. If you do so you will not be able to benefit from the full range of our Services and this may affect the performance of our website on your system.

8.3 The advertisements that you see displayed on our website are delivered on our behalf by a third party advertising company. No information which identifies you is used to provide this advertising. In order to display advertising most likely to be relevant to you, this third party advertiser may place or recognize a unique "cookie" on your browser. This cookie does not collect personal data about you nor is it linked to any identifiable information about you. It is possible to block cookies by adjusting your browser settings, as mentioned above. By using this Service you are consenting to the use of these third party cookies for these purposes.

8.4 This website has also implemented and uses Display Advertising using Google Analytics which permits advertisements and remarketing to be served on third party websites across the internet relating to a search made on the Itcouldbecheaper website. itcouldbecheaper and third parties, including Google use first party cookies and third party cookies to inform, optimise and serve such advertisements.

9.0 Security

9.1 Keeping information about you secure is very important to us. No data transmission over the internet can be guaranteed to be totally secure. Sensitive information is encrypted to minimise the risk of interception during transit. Whilst we strive to protect your personal information we cannot ensure or warrant the security of any information which you send to us so you do so at your own risk. The Terms of Use also explain your obligation to keep secure any username and password which you create when registering for the Services.

10.0 Transferring your information abroad

10.1 Information supplied by you to us will only be transferred outside the European Economic Area by us or our agents where this is necessary for the purpose of providing our Services or when you have given your prior consent to such transfer.

11.0 Your responsibility for the information you provide

11.1 If you complete our registration process as part of your use of this Website you may need to include the creation of a username, password and/or other identification information. Any username, password and/or other identification information must be kept confidential by you and must not be disclosed to anyone. If you do disclose or share with anyone your username, password and/or other identification information, you are solely responsible for all activities undertaken on this Website using your username, password and/or other identification information.

11.2 You must check and ensure that all information, content, material or data you provide on this Website is correct, complete, accurate and not misleading and that you disclose all relevant facts.

11.3 We may also need to collect information from you about other individuals, e.g. additional named drivers if you request a car insurance quotation. As explained in our Terms of Use of Use, by submitting another person's details you are confirming to us that you have their permission to do so and that they understand how their details will be used.

12.0 Our Services

12.1 Our website ("Website") enables you to research and compare energy, telecommunications, payment solutions and hotels in addition to other services added from time to time. Such products or services are provided by third parties ("Service(s)"). This service is free for you to use. Our Service is to introduce you, through our Website, to other parties who provide products or services. Those third parties pay us a fee and/or commission if we introduce business to them.

12.2 Nothing on this Website is, or shall be deemed to constitute, advice, a recommendation or endorsement by us in respect of any product or service referred to on this Website. In

formation on this Website is provided for general information purposes only. All information should not be relied upon by you and is provided so that you can take advantage of our Services. It is your responsibility to check the suitability and appropriateness of the product or service that is of interest to you. It is your sole decision whether to purchase any product or service. We suggest that you seek independent professional advice before you obtain any product or service via this Website if you are unsure about the potential purchase.

12.3 Nothing on this Website is an offer by us or any third party to sell to you any product or service or to enter into any contract with you. By submitting your details, you are making an offer to obtain the relevant product or service from the relevant third party on its Terms of Use and conditions. It is your decision only. The contract for the product or service will only be concluded once your offer has been accepted. Acceptance of your payment on this Website does not constitute acceptance of your offer. You will receive confirmation when your offer has been accepted.

12.4 We give no warranty as to the uninterrupted availability of this Website. We reserve the right to suspend, restrict or terminate your access to this Website at any time.

12.5 We reserve the right to add, amend, delete, edit, remove or modify any information, content, material or data displayed on this Website and without notice.

13.0 Permitted use

13.1 You are permitted to access and use this Website for your personal and business use. You are not permitted to use this Website: In any unlawful, fraudulent or commercial manner. To harm, threaten, abuse, embarrass, defame, libel, intimidate or harass another person, or in a way that invades another person's privacy or is obscene, offensive, hateful, indecent, inappropriate, objectionable, unacceptable, discriminatory or damaging as determined by us in our absolute discretion. To tamper with, modify, engineer or amend any part of this Website. In a way that interferes with, disrupts or imposes an unreasonable or disproportionately large burden on our communications and technical systems as determined by us. Using any automated software, process, program, robot, web crawler, spider, data mining, trawling or other 'screen scraping' software, process, program or system.

13.2 You may not operate a link to this Website without our written consent. We reserve the right to require you to immediately remove any previously authorized link to this Website.

14.0 Intellectual property rights

14.1 The copyright in the information, content, material or data displayed on this Website belongs to us or our licensors. Subject to our continued consent you may temporarily print, copy, download or store extracts of information, content, material or data displayed on this Website for your own personal use. Some images displayed on this Website are protected by copyright and may not be reproduced or appropriated in any manner without the prior written consent of their respective owners. No logos, trademarks or service marks displayed on this Website may be printed or downloaded for any use which is not connected to the use of our Service.

14.2 All intellectual property rights including, without limitation, all copyright, design rights, patents, inventions, logos, business names, trading names, service marks and trademarks, internet domain names, moral rights, rights in databases, data, source codes, software, specifications, know how, processes and business methods (in all cases whether registered or unregistered and including all rights to apply for registration) in and relating to this Website (including information, content, material or data displayed on it) belong to us or our licensors and all such rights are reserved.

14.3 Unless specifically authorized none of the intellectual property rights belonging to us or our licensors in and relating to this Website (including information, content, material or data displayed on it) may be used, copied, modified, published, extracted, utilised, transmitted, displayed, sold, excerpted, reverse engineered, made available, reproduced, reformatted or distributed by you without our prior written consent.

14.4 All rights in Itcouldbecheaper.com are owned by us.

14.5 You shall retain ownership of any views, opinions, reviews, ratings, comments, content or material you submit, display, distribute, upload, post, share, publish or otherwise make publicly available on or through this Website to which you grant us a perpetual, irrevocable, transferable, worldwide, royalty free and unlimited license to use, modify, keep, share, sell, save, copy, distribute, publish, display, excerpt, reproduce, utilise, extract, make available and transmit in any manner and for any purpose.

15.0 Exclusions of liability

15.1 Nothing in these Terms of Use and conditions excludes or limits our liability for death or personal injury caused by our negligence or for our fraud, or excludes or limits our duties.

15.2 We use reasonable endeavors to ensure that the data, material and information on the Website is accurate. However, we are not responsible if any data, material and information on the Website is inaccurate or if there are any errors or omissions in the data, material and information.

15.3 We do not monitor, verify or endorse data, material and information submitted or provided by third parties which is included on the Website. We are not responsible for any data, material or information included on the Website which has been provided by third parties.

15.4 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.

15.5 We are not responsible for any direct or indirect losses or damages arising from access to or an inability to access the Website or from any use of the Website or from reliance on the data transmitted using the Website including any loss arising as a result of the failure of electronic transmission of data over the internet.

15.6 We are not responsible or liable for the accuracy or content of any views or expressions seen or made by third parties.

16.0 Exclusion of our liability in respect of third party advice, assistance, websites and products or services

16.1 All products and services available through our Website are provided by third parties over whom we do not have control. It is your responsibility to satisfy yourself that you wish to obtain any product or service before doing so as we are not responsible or liable for any loss or damage you may suffer or incur in connection with any product or service you obtain after using this Website.

16.2 You must ensure that you carefully read all the features and Terms of Use and conditions of any product or service before applying for it to ensure you are getting what you expected from your purchase.

16.3 You must ensure that you carefully read all the features and Terms of Use and conditions of any product or service before applying for it to ensure you are getting what you expected from your purchase.

16.4 We provide links from this Website and from emails sent to you as part of our service to the websites of third parties. These websites are owned and operated by third parties over whom we do not have control. You access and use these third party websites at your sole risk and your sole discretion. We do not endorse, recommend or accept responsibility for any third parties, their actions, their products, views or services nor are liable for any loss you incur as a consequence of your visit to a third party website.

16.5 This Website provides information on a wide range of products or services, there may be other products or services available on the market which are not shown on this Website and which may be more appropriate or suitable for you than those shown on this Website. It is your responsibility to determine if there is a product or service that is not on our Website which is more suitable for your needs.

17.0 Your responsibilities

17.1 You must take all reasonable precaution, including using appropriate virus checking software, to ensure that any information, content, material or data you provide is free from viruses, spyware, malicious software, trojans, worms, logic bombs and anything else which may have a contaminating, harmful or destructive effect on any part of this Website or the websites of third parties or any other technology.

17.2 You may complete a registration process as part of your use of this Website which may include the creation of a username, password and/or other identification information. Any username, password and/or other identification information must be kept confidential by you and must not be disclosed to, or shared with, anyone. Where you do disclose to or share with anyone your username, password and/or other identification information, you are solely responsible for all activities undertaken on this Website using your username, password and/or other identification information.

17.3 You must check and ensure that all information, content, material or data you provide on this Website is correct, complete, accurate and not misleading and that you disclose all relevant facts. We do not accept any responsibility or liability for any loss or damage you may suffer or incur if any information, content, material or data you provide on this Website is not correct, complete and accurate or if it is misleading or if you fail to disclose all relevant facts.

17.4 Before you obtain any product or service from a third party, you must check all of the information, content, material or data held by the third party about you to ensure it is correct, accurate and not misleading. It is your responsibility to identify and correct any mistakes or errors in the information, content, material or data held by the third party about you before you obtain any product or service. Failure to do so could invalidate the product or service provided by the third party. We do not accept any responsibility or liability for any loss or damage you may suffer or incur if any information, content, material or data held by the third party about you is not correct, complete and accurate or if it is misleading or if you have failed to disclose all relevant facts.

17.5 In submitting any other person's details, you are confirming to us that you have their permission to do so and that they understand how their details will be used.

17.6 You are solely responsible and liable for your conduct on this Website.

17.7 You agree that you will be liable to us for any damage, loss, claim, demand, liability or expense (including reasonable legal fees) that we may suffer or incur arising out of or in connection with your conduct on this Website.

18.0 Your telephone calls

18.1 Telephone calls that you make to us may be monitored and/or recorded to help us to train our staff and improve our service to you

19.0 Complaints

19.1 Our aim is at all times to provide you with an excellent service. If you are unhappy with our service for any reason, please contact us by writing to our registered office .

19.2 If you are unhappy with any product you have obtained from a third party or have any complaint regarding any third party, you should address your complaint directly to that third party.

20.0 Payment

20.1 By using our Services you are agreeing to pay any fees and/or other charges incurred by you in accordance with any payment provisions set out on this Website. These provisions will change from time to time but current version will always be available.

20.2 Full payment for products or services where required on this Website should be made at the time of application for the product or service and in the secure area of this Website. Payment methods other than those stated on this Website will not be accepted. We may pass your card details and personal details, as necessary, to the relevant third party, who may take payment for the product or service in accordance with its Terms of Use and conditions. We reserve the right to charge you any handling fees that we or the relevant third party may incur in respect of your application. You will be informed of any such charges before they are incurred.

21.0 General

21.1 Access to and use of this Website is subject to these Terms of Use and our Privacy Policy. By accessing and using this Website you agree to be bound by and to act in accordance with these Terms of Use of Use and our Privacy Policy. If you do not agree to these Terms of Use of Use or our Privacy Policy, you are not permitted to access and use this Website and you should cease such access and/or use immediately.

21.2 If you breach any term of these Terms of Use of Use, your right to access and use this Website shall cease immediately.

21.3 We reserve the right to amend these Terms of Use of Use from time to time without notice by amending this page. The amended Terms of Use of Use will be effective from the date they are posted on this Website. As these Terms of Use of Use may be amended from time to time, you should check them whenever you visit this Website. Your continued use of this Website will constitute your acceptance of the amended Terms of Use of Use. This Website is only intended for use by residents of the United Kingdom. If you choose to use this Website from locations outside the United Kingdom, you do so at your sole risk and you are responsible for compliance with all applicable local laws.

21.4 If any provision of these Terms of Use of Use is held to be unlawful, invalid or unenforceable, that provision shall be deemed deleted from these Terms of Use of Use and the validity and enforceability of the remaining provisions of these Terms of Use of Use shall not be affected.

21.5 These Terms of Use of Use constitute the entire agreement between you and us relating to your access to and use of this Website and supersedes any prior agreements (including any previous Terms of Use of use of this Website).

21.6 No failure or delay by us in exercising any right under these Terms of Use of Use will operate as a waiver of that right nor will any single or partial exercise by us of any right preclude any further exercise of any right.

22.0 Governing law

22.1 These Terms of Use and your access to and use of this Website shall be governed by and interpreted in accordance with English law and both Parties submit to the exclusive jurisdiction of the English Courts.