Terms & Conditions
Last Updated: 03/07/2025
Important Notice
This is a comparison service and not financial advice. We are not authorized by the Financial Conduct Authority. All insurance providers shown are FCA-authorized. Quotes are indicative and may vary during the application process.
1. About These Terms
These Terms and Conditions govern your use of the TermQuote website and instant quote comparison service. By using our service, you agree to these terms.
2. Our Service
What We Provide
- Instant life insurance quote comparisons
- Real-time quote updates based on your preferences
- Information about insurance products and providers
- Tools to calculate coverage needs and compare policies
- Connections to FCA-authorized insurance providers
What We Don't Provide
- Financial advice or product recommendations
- Insurance policies directly
- Guaranteed quote accuracy for final applications
- Underwriting or policy issuance services
3. Using Our Quote System
Quote Accuracy
Our instant quotes are generated using real insurer data and advanced algorithms. However, final premiums may vary based on:
- Full underwriting assessment by the insurer
- Additional health or lifestyle information
- Medical examinations or health questionnaires
- Changes in insurer pricing or terms
Information Requirements
You agree to provide accurate and complete information when using our quote tools. Inaccurate information may result in incorrect quotes or policy rejection.
4. Acceptable Use
You may use our service for personal insurance comparison purposes only. You must not:
- Use automated systems to generate quotes
- Attempt to manipulate or reverse-engineer our quote algorithms
- Provide false information to obtain quotes
- Use our service for commercial data gathering
- Interfere with the operation of our website
5. Third-Party Relationships
Insurance Providers
When you proceed with an application, you enter into a direct relationship with the insurance provider. We are not party to any insurance contract and are not responsible for policy terms, claims, or customer service issues.
Commission Disclosure
How We're Paid
We may receive commission from insurance providers when you complete an application through our service. This does not affect the quotes shown or influence our comparison results. Commission rates vary by provider and product.
6. Service Availability
We aim to provide 24/7 access to our quote comparison service. However, we may temporarily suspend the service for maintenance, updates, or technical issues. We do not guarantee uninterrupted availability.
7. Limitation of Liability
To the fullest extent permitted by law, we exclude liability for:
- Quote inaccuracies or changes in final premiums
- Actions or omissions of insurance providers
- Technical issues or system downtime
- Decisions made based on quote information
- Indirect or consequential losses
8. Data and Privacy
Your use of our service is governed by our Privacy Policy. We process your data to provide quote comparisons and connect you with insurance providers. Please review our Privacy Policy for full details.
9. Intellectual Property
All content, software, and technology used in our quote system is owned by us or our licensors. You may not copy, reproduce, or distribute any part of our service without permission.
10. Changes to Terms
We may update these terms from time to time. Changes will be posted on this page with an updated date. Your continued use of our service constitutes acceptance of any changes.
11. Governing Law
These terms are governed by English law. Any disputes will be subject to the jurisdiction of the English courts.
12. Contact Information
Email: support@termquote.co.uk
Address: [Company Address]