Melaniebeuf

Please read these Terms and Conditions ("Terms", "Terms and Conditions") carefully before using the {{visit.domain.short}} website (the "Service") operated by {{visit.domain.short}} Ltd ("us", "we", or "our").
Your access to and use of the Service is conditioned on your acceptance of and compliance with these Terms. These Terms apply to all visitors, users and others who access or use the Service.
By accessing or using the Service you agree to be bound by these Terms. If you disagree with any part of the terms, then you may not access the Service.

1. Use of Website

1.1 Eligibility

You must be at least 18 years of age to use this website. By using this website and agreeing to these terms and conditions, you warrant and represent that you are at least 18 years of age.

1.2 License to Use Website

Unless otherwise stated, {{visit.domain.short}} Ltd and/or its licensors own the intellectual property rights in the website and material on the website. Subject to the license below, all these intellectual property rights are reserved.

You may view, download for caching purposes only, and print pages from the website for your own personal use, subject to the restrictions set out below and elsewhere in these terms and conditions.

1.3 Restricted Activities

You must not:

Republish material from this website (including republication on another website);
Sell, rent or sub-license material from the website;
Reproduce, duplicate, copy or otherwise exploit material on this website for a commercial purpose;
Edit or otherwise modify any material on the website;
Redistribute material from this website except for content specifically and expressly made available for redistribution;
Use this website in any way that causes, or may cause, damage to the website or impairment of the availability or accessibility of the website;
Use this website in any way which is unlawful, illegal, fraudulent or harmful, or in connection with any unlawful, illegal, fraudulent or harmful purpose or activity.

2. Health Insurance Services

2.1 Accuracy of Information

While we make every effort to ensure that the information about our health insurance products and services is accurate and up-to-date, this information is for general guidance only and does not form part of any contract. Specific details of coverage, terms, conditions, and exclusions can be found in the policy documentation provided after purchasing a policy.

2.2 Quote Accuracy

All quotes generated through our website are indicative only. Final policy pricing may be subject to full medical underwriting and additional information. The quoted price is valid for 30 days from the date of quote, unless otherwise specified.

2.3 Policy Documentation

Upon purchasing a policy through our website, you will receive policy documentation via email or post. It is your responsibility to read these documents carefully and ensure that the policy meets your requirements.

2.4 Cooling-Off Period

All policies include a cooling-off period of 14 days from the date you receive your policy documentation. If you decide to cancel within this period and have not made any claims, you will receive a full refund of any premium paid.

3. User Accounts

3.1 Registration

When you create an account with us, you must provide information that is accurate, complete, and current at all times. Failure to do so constitutes a breach of the Terms, which may result in immediate termination of your account on our Service.

3.2 Account Security

You are responsible for safeguarding the password that you use to access the Service and for any activities or actions under your password. You agree not to disclose your password to any third party. You must notify us immediately upon becoming aware of any breach of security or unauthorized use of your account.

3.3 Account Termination

We reserve the right to terminate or suspend your account immediately, without prior notice or liability, for any reason whatsoever, including without limitation if you breach the Terms.

4. Online Payments

4.1 Payment Processing

All online payments are processed through secure third-party payment processors. We do not store credit card details nor do we share customer financial details with any third parties except as necessary to complete the payment transaction.

4.2 Payment Security

While we implement appropriate technical and organizational measures to protect your personal data, we cannot guarantee the security of data transmitted via the internet. Any payment transactions carried out by you on our website are at your own risk.

4.3 Refunds

Refunds, where applicable, will be processed back to the original payment method used for the purchase. Processing times for refunds depend on your payment provider and may take up to 14 working days.

5. Privacy and Data Protection

5.1 Data Collection

Our Privacy Policy, which is incorporated into these Terms by reference, explains how we collect, use, and protect your personal information. By using our Service, you consent to our collection and use of personal data as outlined in our Privacy Policy.

5.2 Cookies

Our website uses cookies to enhance your browsing experience. For more information about how we use cookies, please see our Cookie Policy.

5.3 Marketing Communications

We may use your personal information to send you promotional content and updates about our products and services. You can opt out of receiving these communications at any time by clicking the unsubscribe link in the emails or contacting us directly.

6. Limitations of Liability

6.1 Disclaimer

The information contained on our website is provided on an "as is" basis, and to the extent permitted by law, we exclude all representations and warranties relating to this website and its contents.

6.2 Limitation of Liability

In no event shall {{visit.domain.short}} Ltd, nor its directors, employees, partners, agents, suppliers, or affiliates, be liable for any indirect, incidental, special, consequential or punitive damages, including without limitation, loss of profits, data, use, goodwill, or other intangible losses, resulting from:

Your access to or use of or inability to access or use the Service;
Any conduct or content of any third party on the Service;
Any content obtained from the Service; and
Unauthorized access, use or alteration of your transmissions or content.

6.3 Maximum Liability

Our maximum liability to you for any losses arising out of or in connection with these Terms and your use of the Service shall not exceed the amount you have paid to us for health insurance services in the 12 months preceding the event giving rise to the liability, or a standard compensation amount if you have not purchased any services from us.

6.4 Exceptions

Nothing in these Terms excludes or limits our liability for death or personal injury arising from our negligence, or our fraud or fraudulent misrepresentation, or any other liability that cannot be excluded or limited by applicable law.

7. Third-Party Links

7.1 Third-Party Websites

Our Service may contain links to third-party web sites or services that are not owned or controlled by {{visit.domain.short}} Ltd. We have no control over, and assume no responsibility for, the content, privacy policies, or practices of any third-party web sites or services.

7.2 Third-Party Liability

You acknowledge and agree that {{visit.domain.short}} Ltd shall not be responsible or liable, directly or indirectly, for any damage or loss caused or alleged to be caused by or in connection with use of or reliance on any such content, goods or services available on or through any such websites or services.

8. Changes to Terms and Conditions

8.1 Updates to Terms

We reserve the right, at our sole discretion, to modify or replace these Terms at any time. If a revision is material, we will try to provide at least 30 days' notice prior to any new terms taking effect. What constitutes a material change will be determined at our sole discretion.

8.2 Continued Use

By continuing to access or use our Service after those revisions become effective, you agree to be bound by the revised terms. If you do not agree to the new terms, please stop using the Service.

9. Governing Law

9.1 Jurisdiction

These Terms shall be governed and construed in accordance with the applicable laws of our jurisdiction, without regard to its conflict of law provisions.

9.2 Dispute Resolution

Any disputes relating to these Terms and your use of the Service shall be subject to the exclusive jurisdiction of the courts in our primary jurisdiction.

10. Contact Us

10.1 Questions

If you have any questions about these Terms, please contact us at:

{{visit.domain.short}} Ltd

Email: [email protected]

10.2 Complaints

If you have a complaint about our Service, please contact our customer service team in the first instance at [email protected]. If your complaint is not resolved to your satisfaction, you may refer your complaint to the Financial Ombudsman Service, details of which can be found on our website.