Terms & Conditions | PayingTooMuch

These terms and conditions govern the use you may make of our website, www.PayingTooMuch.com (the "website").

Please read these terms carefully before you start using our website. By using this website you are accepting these terms and conditions.

You must NOT use our website if:

• You do not agree to these terms and conditions; or
• You are under 18, (or under 17 in the case of motor insurance); or
• You are not a UK resident.

ABOUT US AND OUR WEBSITE
PayingTooMuch.com is a website operated by Eclipse Financial Systems Limited ("we", "us" and "our").

We are a limited company registered in England and Wales with number 07476504 and the following registered address:

PayingTooMuch
Britannia House,
3-5 Rushmills Business Park,
Bedford Road,
Northampton,
NN4 7YB

PayingTooMuch is a trading name of TICORP Limited. PayingTooMuch travel insurance is arranged by TICORP Limited which is registered in Gibraltar. Company number 111526. Registered office: First Floor, Grand Ocean Plaza, Ocean Village, Gibraltar. TICORP Limited is authorised and regulated by the Gibraltar Financial Services Commission and trades in the UK on a freedom of services basis. Financial Conduct Authority FRN 663617.

PayingTooMuch is administered by Eclipse Financial Management Limited for financial services that are regulated by the Financial Conduct Authority. Eclipse Financial Management Limited is authorised and regulated by the Financial Conduct Authority, reference 535496.

You can find out more by either visiting the FCA website, contacting the FCA (www.FCA.org.uk) or our compliance officer at [email protected].

Our aim is to give an overview of products or services from various product providers that we have chosen to access and that may be available to you.

It is possible that you might find a better deal elsewhere even though we do seek to ensure the information on our website and the deals that we display on it offer you the best value.

Whilst we endeavour to give a brief, general description of all the products available via our website, we cannot offer specific advice about those products and their suitability for your needs.

Should you require specific or specialist advice this website is not suitable for you and you should instead seek independent professional advice.

OUR SERVICES

We offer a number of different products and services on our website. This section applies to all products and services on our website.

Our service allows you to either compare various insurance, financial and other products or to be introduced to a broker who may be able to help with your enquiry.

Our service is free for you to use. We receive commission and fees from certain product or service providers who we refer you to.

Nothing in our website is, or shall be deemed to constitute, financial, investment or other advice or a recommendation or endorsement by us.

The material we provide on our website is for your general information purposes only and you should not rely on it. It is your sole decision whether to obtain any product or service via our website and your sole responsibility to check the suitability, adequacy and appropriateness of the product or service that is of interest to you. In this respect, you should consider seeking independent professional advice before you obtain any product or service via our website.

There are some specific things that you also need to know about some of the products or services on our website before you can access or use them.

These things relate to Insurance Products and Services, Annuities, and Energy.

If you click on these links, you will be taken to these additional terms and conditions. Otherwise, they can be found at the bottom of these terms and conditions under the heading INFORMATION ABOUT SPECIFIC PRODUCTS OR SERVICES ON OUR WEBSITE.

As with the rest of these terms and conditions, if you do not agree with any of the additional product specific terms, do not use this website.

YOUR ACCESS TO AND USE OF OUR WEBSITE AND CONTENT

You may only use our website for personal purposes and you must not use this website:

• For commercial purposes.
• For any fraudulent or illegal purpose.
• On behalf of someone else such as to create, check, modify or amend another person's record or enquiry.
• To harm, intimidate or harass, embarrass or defame another person, or in a way that invades another person's privacy.
• To post any obscene or offensive material (as determined by us).
• To tamper with, modify, reverse engineer or amend any part of this website.
• In a way that interferes with our communications and technical systems (as determined by us).
• Using any 'screen scraping' or automated software, process, program, system robot, web crawler, spider, data mining or trawler.

OUR WEBSITE AVAILABILITY
We will always try to provide you with uninterrupted access to our website, but we cannot guarantee this and may terminate, suspend or restrict your access to our website at any time if this is required for security, legal or reasons we determine.

OUR WEBSITE CHANGES FREQUENTLY
We make every reasonable effort to ensure that the content available to you on our website is up-to-date and accurate and for this reason we make changes to our website frequently. Accordingly it is not possible to notify you about any changes that we make to our website.

CHANGES TO THESE TERMS AND CONDITIONS
We may need to amend or change our terms and conditions from time to time. You will still need to agree to them, so you should check this document each time you use our website.

It is important that you do this because if you keep using our website, we will assume that you have agreed to any changes that we have made to our terms and conditions.

These terms and conditions were last updated on 01 May 2023.

INTELLECTUAL PROPERTY RIGHTS
Logos, trademarks and material we display on our website along with the software, know-how and processes we use to run our website belong to PayingTooMuch.com or our licensors.

This means all copyright, design rights, patents, inventions, trading names, service marks and trademarks, logos, domain names, moral rights, database rights, data, source code, 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 are owned by or licensed to us. For the purposes of this section, we will call this "our".

You agree that we make our intellectual property available to you for your personal use only. We will allow you to use this intellectual property for your personal, non-commercial use including temporarily printing off one copy, downloading or storing extracts from our website on the condition that you:

• Comply with the all the terms and conditions of this agreement.
• Do not copy, alter, modify, reformat, sell, distribute or publish any of the material.
• Do not create any derivative works.
• Do not link to any part of our website.
• Do not print or download any logos, trademarks, service marks or image except as part of the complete web-page of which they form a part.

The status of our and our licensors' ownership of all such material is acknowledged in any such printed off, downloaded or stored material.

We will allow you to print off one copy, and download extracts, of any page(s) from our website for your personal non-commercial use only. However, if you do this, our status (and that of any identified contributors) as the authors of the material must always be clearly acknowledged.

You retain ownership of all the material you submit or make available on our website.

You grant us a perpetual, irrevocable, worldwide, royalty-free, transferable and unlimited licence to use, modify, copy, distribute, publish, transmit such information in any manner and for any purpose but always in accordance with our Privacy Policy.

OUR LIABILITY
THIS SECTION IS VERY IMPORTANT BECAUSE IT SETS OUT YOUR RESPONSIBILITIES AND OUR LIABILITY TO YOU.

You are responsible for keeping your username, password or other identification secure.

If we ask you to complete a registration process when you use our website and this process includes the creation of a username, password and/or other identification information, your username, password and/or other identification information must be kept confidential by you and must not be disclosed to, or shared with, anyone.

If you disclose to or share your username, password and/or other identification information with anyone, you are solely responsible for all activities undertaken.

If you are concerned that someone may have had access to your username, password and/or other identification information without your permission, please contact us immediately at our address given above, by email at [email protected] or telephone on 01243 784000.

We are not responsible or liable to you for any loss or damage you may suffer or incur in connection with your failure to keep your username, password or other identification secure.

You are responsible for ensuring any information that you provide us:

• Is correct complete, accurate and not misleading.
• Does not infringe anyone's intellectual property rights or privacy rights.
• Does not violate any law.
• Is not harmful, fraudulent, defamatory or otherwise offensive.

If you provide feedback on our website or if we ask you to insert information about yourself or circumstances, you are solely responsible for ensuring that all information you provide is correct, complete, accurate and not misleading and that you disclose all relevant facts.

We are not responsible or liable to you for any loss or damage you may suffer or incur in connection with your failure to ensure such information is correct and not misleading.

You are responsible for ensuring that any third party that you may wish to contract with has the correct information about you. It is very important that you ensure that all the information held by the third party about you is correct, complete and not misleading and that you have disclosed all relevant facts.

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 from the third party. Failure to do so could invalidate the product or service provided by the third party and we are not responsible or liable to you for any loss or damage you may suffer or incur in connection with your failure to ensure such information is correct and not misleading.

You are responsible for ensuring that you understand and agree with the terms and conditions of the third party that will be providing the product or service to you before entering into that contract.

Our website allows you to apply for a number of products and services. These products and services may be provided by third parties and not us. If you apply for and obtain any product or service, you may be contracting with a third party that will be providing that product or service to you on their own terms and conditions.

The application process may involve your clicking on links in either our website or in an email we have sent to you as part of our service to the websites of third parties. These websites are owned by third parties over whom we have no control. Further to that the websites are subject to the third party's privacy policy and terms and conditions. Your access and use of these websites is at your sole risk and it is your responsibility to ensure that you understand and agree with the terms and conditions of the third party whose website you access or use.

It is also your responsibility to understand and agree with the terms and conditions which relate to the specific product or service to you before entering into that contract.

Accordingly, we are not responsible or liable to you for any loss or damage you may suffer or incur in connection with your use of any third party website or in connection with any contract entered into by you with any third party in relation to any product or service.

You are responsible for making your own enquiries to check that the product or service that you want to apply for is accurate, complete and up-to-date and meets your needs.

Our website contains a lot of information and descriptions about the products and services which you may apply for. This information may not provide a complete description of all the features, terms and conditions applicable to those products.

Further much of the information is provided by third party product or service providers and we do not monitor, verify or endorse the information and it may be inaccurate, incomplete or out of date.

Although we use reasonable endeavours to ensure that the information on our website is reliable and correct any errors or omissions as soon as practicable after being made aware of them, it is your responsibility to check that such information is accurate, complete and up to date.

Accordingly, we are not responsible or liable to you for any loss or damage you may suffer or incur in connection with, the details we provide on our website with respect to any product or service provided by third parties which you did not check individually and/or do not meet your needs for any reason.

You are responsible for ensuring that you have appropriate virus checking software on your computer.

We cannot guarantee that our website is uncorrupted or free from viruses which may harm your computer and are not responsible or liable to you for any loss or damage you may suffer in this regard where caused by any third party.

We do not seek to exclude or limit any liability that cannot be limited or excluded under any applicable law. This includes our liability for things such as fraud, death or personal injury caused by negligence and also the responsibilities we have under certain legislation such as the Financial Services and Markets Act 2000.

We shall not be liable to you for any loss of income, revenue, business, profits or contract, anticipated savings, data, goodwill or opportunity, direct, indirect or consequential loss or damage incurred by you in connection with any access, use, or inability to access or use our website where:

• You have not complied with any part of these terms and conditions.
• We are not in breach of a legal duty of care owed to you by us or by any of our employees or agents, or
• the loss or damage you suffered by our breach of these terms and conditions was not reasonably foreseeable, or
• the damage or loss was caused by events outside our control; or
• to the extent that you have contributed to your loss or damage by failing to act reasonably in the circumstances or by failing to take reasonable steps to mitigate your loss or damage.

YOUR LIABILITY
If you use our website, it is reasonable for us to expect that you will adhere to these terms and conditions.

If we think you have breached any of these terms and conditions or demonstrated inappropriate conduct when using our website, we may take measures to terminate or suspend your access to the website.

If your use of our website causes us to suffer any loss or damage, you shall be responsible for reimbursing us for any such loss or damage that we may suffer.

CUSTOMER SERVICE, COMPLAINTS AND CONTACTING US
Our aim is to at all times provide you with an excellent service. However, if you are unhappy with our service for any reason, please contact our customer services team (Complaints Handling) at our address given above, by telephone on 01243 784000 or by submitting a complaint.

If you do wish contact us by telephone, our customer service helpline is available Monday to Friday 8.30am to 8pm, Saturday 9am to 5.30pm and Sundays 10am to 4pm UK local time, your call to us may be monitored or recorded. This will help us to train our staff and improve our service to you.

We will acknowledge receipt of your complaint, in writing, within five business days and we will inform you of the name or job title of the individual handling the complaint.

We may combine the acknowledgement of the complaint with our final response, but in any event, we aim to resolve complaints at the earliest opportunity.

It is our intention to provide you with the highest possible level of customer service at all times. However we recognise that things can go wrong on occasion and if this occurs we are committed to resolving matters promptly and fairly. Should you not be satisfied with our final response, you may be entitled to refer the matter to the Financial Ombudsman Service (FOS). More information is available on their website,www.financial-ombudsman.org.uk

We are a firm that sell products online and are required to inform you of the availability of the online dispute resolution (ODR) platform to assist you if we are unable to resolve your complaint, this facility will direct you to the alternative disputes resolution (ADR) provider for the firm who in this case is the Financial Ombudsman Service (FOS) and you may therefore wish to contact them directly. More details are available on https://webgate.ec.europa.eu/odr

SPECIAL OFFERS
Please note that additional terms and conditions apply to special offers such as cashbacks or vouchers. These additional terms and conditions will be made available to you at the same time any such offer is made.

INFORMATION ABOUT SPECIFIC PRODUCTS OR SERVICES ON OUR WEBSITE
The following sections form part of the terms and conditions and provide more specific guidance on certain products and services.

Insurance products
All insurance products are regulated by the Financial Conduct Authority.

PayingTooMuch.com is a trading style of TICORP Limited which is registered in Gibraltar. Company number 111526, and administered by Eclipse Financial Management Limited who are authorised and regulated by the Financial Conduct Authority. Our Firm Reference Number (FRN) is 535496. You can check this on the Financial Services Register by visiting the FCA’s website www.fca.org.uk or by telephoning the FCA on 0800 111 6768.

TICORP Limited is authorised and regulated by the Gibraltar Financial Services Commission and trades in the UK on a freedom of services basis. Financial Conduct Authority FRN 663617. You can check this by visiting the GFSC website https://www.fsc.gi/regulated-entities or by calling +350 200 40283.

Our Insurance Service
Our insurance service allows you to compare providers for a range of insurance products. You will need to answer a number of questions on our website in order for the product providers to provide you accurate quotations for the product(s) you are interested in. In this respect it is very important that you answer all the questions asked accurately and truthfully because we and the insurance product providers' results we show to you will rely on your answers.

If you are in any doubt as to whether any information is relevant you should disclose it.

With respect to our life insurance product, this service is different as it allows you to be contacted by a specialist who may be able to assist you further with your enquiry.

If you complete an enquiry form for an insurance product on our website we will conduct a search for policies and will display the results on the screen.

To assist you in completing the enquiry form, we may provide defaulted answers to some questions, and in other instances obtain certain information from third parties (such as motor vehicle data and address details).

Please ensure that this information is complete and accurate, and change it if necessary.

We will also email you details of the quotes you have obtained from our system with appropriate links to allow you to purchase an insurance policy.

You are also able to save your details on our system and use these as the basis for making amended or new quotation requests in future.

If you choose to purchase an insurance policy following completion of an enquiry form on our website, we remind you again of your responsibilities (as set out above) to ensure the insurance product provider has the correct information about you and that you understand that you agree with the terms and conditions of that insurance product provider including the restrictions, exclusions and conditions of that policy.

We accept no responsibility whatsoever in the event that any policy purchased by you does not meet your requirements.

You may also be contacted by product providers whose prices are displayed in your results, who may be able to provide alternative quotes that are not available online.

MISCELLANEOUS
Any failure on our part to enforce any right will not constitute a waiver of such rights.

These terms and conditions replace any previous terms and conditions regarding the use of our website.

These terms and conditions are subject to English law and the exclusive jurisdiction of the English courts.

QUESTIONS?
If you have any questions about these terms and conditions or have a general query about the services that we provide, please get in touch. You can contact us by email at [email protected] or call us on 01243 784000.

Thank you for visiting our website!
Our service is free to you but to operate this service we may receive commissions from the provider or broker we refer you to.

If you need any help please call us on 01243 784000.