This is provided for private individuals for their use only. You are not permitted to use this site or copy any material from this site, for commercial purposes. These are the general terms and conditions that govern the use of this site, please read them carefully. By using the site you agree to be bound by these terms and conditions. If you do not wish to be bound by these terms and conditions, you may not continue or access the site.
These terms and conditions may change or be updated from time to time. It remains your responsibility to check these terms and conditions whenever you access the site. The latest version of these terms and conditions will govern any future usage by you of the site.

• 1. Definitions
• 2. Limited Licence
• 3. What you are not allowed to do
• 4. Disclaimer
• 5. Jurisdiction and Law
• 6. Indemnity
• 7. Intellectual Property and right to use
• 8. Compliance with Laws
• 9. Limitation of Liability
• 10. Force Majure
• 11. Interpretation
• 12. Assignment
• 13. Waiver
• 14. Security and Privacy

1. Definitions
“You” and “Your” means the person who wishes to use the website
“User (s)” means any person accessing this Website whether or not such access leads to any purchase or other transaction.
“User Information” means information about you, your computer and its location such as your URL, website pages viewed, browser type, etc which may be collected by us when you use the Website whether or not you register with us.
“We” “Us” and “Our” means Emergency Compare Limited, Suite D Astor House, 282  Lichfield Road Sutton Coldfield B74 2UG, its employees and agents, its successors and includes any other person or business to which we may transfer our rights under these terms and conditions.
“Cookies means small text files which our website places on your computer’s hard drive to store information about your session and to identify your computer.
“Website” means the website located at http://www.homeemergencycompare.co.uk/ any associated URL, or any subsequent URL which may replace it.

2. Limited Licence
You may browse the site using any compatible web browser. Permission to browse the site includes permission to make transient or cached copies of parts of the site to the extent that it occurs in the normal course of using your browser and that these copies are used only to facilitate current or future access to the site. You may print a copy of any page of the site for your own personal purposes, provided that you do not do any of the things set out in the section “What you are not allowed to do”, below.

3. What you are not allowed to do
Except for the extent expressly set out in these terms and conditions, you are not allowed to make a copy of any part of this site.
You may not remove or change any part of this site.
You are not allowed to remove/change any copyright, trademark or other intellectual property right notices contained in the original material copies or printed from the site.
You must not seek to introduce any computer virus (including any variant or similar malicious code or instructions) to the Emergency Compare Limited website, nor deliberately seek to prevent or hinder the site’s usual operations in any way.

4. Disclaimer
It is our aim to correct errors and omissions as soon as possible once noticed or advised. However, on occasion there may be an error in the price or type of product or service shown. In such an event we reserve the right to cancel any contract we may have entered in to with you. Of course, this will be without any liability to you and a refund will be offered.
Every effort is taken to ensure the site is accurate and up to date. However, all warranties (whether express or implied) and all liability to you in respect of the site, its contents and or your use of the same, are excluded to the fullest extent permitted by law.
This disclaimer does not affect your statutory rights in respect of any products or services that you purchase from this site.
If any provision in these terms and conditions shall be found by any court or administrative body to be invalid or unenforceable for any reason, such provision shall be deemed deleted and will not affect the validity or enforceability of the remaining provisions.

5. Jurisdiction and Law
This site is directed at residents of the UK, The Isle of Man, and the Channel Islands.. These terms and conditions shall be governed by and construed in accordance with the Laws of England and Wales and is subject to the exclusive jurisdiction of the courts of England and Wales

6. Indemnity
You agree fully to indemnify, defend and hold us, and our offices, directors, employees, agents and suppliers, harmless immediately on demand, from and against all claims, liability, damages, losses, costs and expenses, including reasonable legal fess, arising out of any breach of the Conditions by you and/or any other liabilities arising out of your use of this Website, or the use by any other person accessing this Website using your shopping account and/or your Personal Information.

7. Intellectual Property and right to use
(7.1)You acknowledge and agree that all copyright, trademarks and all other intellectual property rights in all material or content supplied as part of the Website shall remain at all times vested in us or our licensors. You are permitted to use this material only as expressly authorised by us or our licensors.
(7.2) You acknowledge and agree that the material and content contained within the Website is made available for your personal non-commercial use only and that you may (if necessary to make a purchase) download such material and content onto only one computer hard drive for such purpose. Any other use of the material and content of the Website is strictly prohibited. You agree not to (and agree not to assist or facilitate any third party to) copy, reproduce, transmit, publish, display, distribute, commercially exploit or create derivative works of such material and content.

8. Compliance with Laws
The Website may be used only for lawful purposes and in a lawful manner. You agree to comply with all applicable laws, statutes and regulations regarding the Website and any transactions conducted on or through the Website.

9. Limitation of Liability
(9.1) ) Nothing in these Conditions excludes or limits liability for death or personal injury, nor liability in respect of negligent or fraudulent misrepresentation, nor liability in respect of any other liability not otherwise capable of limitation or exclusion under applicable law.
(9.2) While we will use reasonable endeavours to verify the accuracy of any information we place on the Website, we make no warranties, whether express or implied in relation to its accuracy.
(9.3) The Website is provided on an “as is” and “as available” basis without any representation or endorsement made and we make no warranties of any kind, whether express or implied, in relation to the Website, or any transaction that may be conducted on or through the Website including but not limited to, implied warranties of non-infringement, compatibility, security, accuracy, conditions of completeness, or any implied warranty arising from course of dealing or usage or trade.
(9.4) We make no warranty that the Website will meet your requirements or will be uninterrupted, timely or error-free, that defects will be corrected, or that the site or the server that makes it available are free of viruses or bugs or represents the full functionality, accuracy, and reliability of the Website. We will not be responsible or liable to you for any loss of content or material uploaded or transmitted through the Website.
(9.5) Emergency Compare Limited  will not be liable in contract, tort (including without limitation negligence), pre-contract or other representations (other than fraudulent or negligent misrepresentations) or otherwise out of or in connection with the Conditions for:

• Economic losses (including without limitation loss of revenues, data, profit, business or anticipated savings);
• Loss of goodwill or reputation; and/or
• Special or indirect losses; suffered or incurred by you or by any other person.

 (9.7) Nothing in these Conditions shall affect any statutory rights you have as a consumer.
(9.8) Emergency Compare Limited willl take all reasonable precautions to keep all information provided to us confidential and secure. Unless we are negligent we will not be liable for any losses howsoever caused as a consequence of any unauthorised access to such information.

10. Force Majure
In the event that we are prevented from carrying out our obligations under any contract for sale as a result of any cause beyond our control, such as but not limited to acts of God, war, strikes, lock-outs, flood and failure of third parties to deliver goods, we shall be relieved of our obligations and liabilities under such contract for sale for as long as such fulfilment is prevented.

11. Interpretation
(11.1) If any part of the Conditions shall be deemed unlawful, void or for any reason unenforceable, then that provision shall be deemed to be severed from the Conditions and shall not affect the validity and enforceability of any of the remaining provisions of the Conditions.
(11.2) Each provision of the Conditions shall be construed as separately applying and surviving even if for any reason one or other of those provisions is held to be inapplicable or unenforceable in any circumstances.
(11.3) These terms and conditions govern our relationship with you. Any changes to these terms and conditions must be in writing and signed by both parties. In this way, we can avoid any problems surrounding what Emergency Compare Limited and you are expected to do.
(11.4) Except in so far as any other document, description or agreement is specifically referred to in these Conditions these Conditions represent the full extent of the agreement between you and Emergency Compare Limited
(11.5) You confirm that, in agreeing to accept these Conditions, you have not relied on any representation save insofar as the same has expressly been included in these Conditions.
(11.6) The Conditions shall be governed by and construed in accordance with the laws of England and you irrevocably submit to the exclusive jurisdiction of the courts of England.

12. Assignment
(12.1) Emergency Compare Limited may transfer, assign, novate or sub-contract the benefit of any part of its rights or obligations under these Conditions, and/or any contract concluded with you, to any third party.
(12.2) You may not assign or sub-contract any of your rights or obligations under these Conditions and/or any contract concluded between you and Emergency Compare Limited.

13. Waiver
(13.1) Each right or remedy of Emergency Compare Limited under these Conditions is without prejudice to any other right or remedy of Emergency Compare Limited whether under this contract or otherwise.
(13.2) Failure or delay by Emergency Compare Limited in enforcing or partially enforcing any provision of these Conditions shall not be construed as a waiver of any of our rights under these Conditions.
(13.3) No waiver by us shall be construed as a waiver of any preceding or succeeding breach of any provision.

14. Security and Privacy
We recognise our responsibility to treat the information we obtain about you with care. We use personal information about you:

• To maintain and improve the services we provide to you
• To research and tell you about other products and services

 (14.1) We will treat all your Personal Information as confidential (although we reserve the right to disclose this information in the circumstances set out below). We will keep it on a secure server and we will fully comply with all applicable UK Data Protection and consumer legislation from time to time in place.
(14.2) When you use the Website we may also collect User Information, such as information about where you are on the internet (e.g. the URL you came from, IP address, domain types like .co.uk and .com), your browser type, the country and telephone area code where your computer is located, the pages of our Website that were viewed during your visit, the advertisements you clicked on, and any search terms that you entered on our Website. We may collect this information even if you do not register with us.
(14.3) You should be aware that this site is being monitored and may capture information about your visit that we may use to improve our service.
(14.4) We confirm that any Personal Information which you provide to us (or which is available on public registers) and any User Information from which we can identify you, is held in accordance with the registration we have with the Data Commissioner’s Office. We use your information only for the following purposes:

• For statistical purposes to improve this Website and its services;
• To serve Website content and advertisements to you;
• To administer this Website;
• If you consent, to notify you of products or special offers that may be of interest to you. (See section 14.6 below)

(14.5) You agree (subject to section 14.6 below) that you do not object to us contacting you for any of the above purposes whether by telephone, e-mail or in writing and you confirm that you do not and will not consider any of the above as being a breach of any of your rights under the Privacy and Electronic Communications (EC Directive) Regulations 2003.
(14.6) When you create a user profile while purchasing online you will be given the option to receive information from Emergency Compare Limited by post, e-mail or telephone about products, promotions or special offers which we feel may be of interest to you. In the event that you do not wish to be contacted for such purposes, ensure that you tick the appropriate box as you go through the registration process. You may unsubscribe from our contact list at any time by replying to a promotional e-mail with the word “unsubscribe” in the subject line, by e-mailing us at info@homeemergencycompare.co.uk
(14.7) Your personal information may be disclosed to reputable third parties involved in the process and delivery of your policy. Emergency Compare Limited requires all such third parties to treat your Personal Information as fully confidential and to fully comply with all applicable UK Data Protection and consumer legislation from time to time in place. We will not release your Personal Information to any third party for mailing or marketing purposes.
(14.8) You should be aware that if we are requested by the police or any other regulatory or government authority investigating suspected illegal activities to provide your Personal Information and/or User Information we are entitled to do so.
(14.9) We endeavour to take all reasonable steps to protect your personal information. However we cannot guarantee the security of any data you disclose on-line. You accept the inherent security risks of providing information and dealing on-line over the internet. Emergency Compare Limited will not accept responsibility for any breach of security unless this is due to our negligence or wilful default.

Links
We cannot be responsible for the privacy policies and practices of other websites even if you access them using links from our site and we recommend that you check the policy of each site that you visit. In addition, if you linked to our website from a third party website, we cannot be held responsible for the privacy policies and practices of the owners or operators of the third party website from which you linked to our website and recommend that you check the policy of that third party website and contact the owner or operator of that site if you have any concerns or questions.

Information on products and services
The information that you have provided us will be held and used by us to provide the services you asked for and may be used by us for statistical analysis. The information may also be used by us in offering you other services and products that we believe may be of interest to you, unless you have opted not to receive such information. We may contact you by telephone, mail or email to let you know about these products and services. We do not pass any of your information on to third parties for marketing purposes.
We will abide by the stated principles of the Data Protection Act at all times. These can be viewed on the Information Commissioners website at www.dataprotection.gov.uk
If you prefer not to receive this information, and have not previously informed us of this, please write to the Data Protection Office, Emergency Compare Limited, Suite D, Astor House 282 Lichfield Road, Sutton Coldfield B74 2UG.
You have the right to ask for a copy of the information we hold about you on our records. You will need to pay a small fee. You have the right to ask us to correct any inaccuracies in your information. We keep records of our business transactions for at least six years.

Cookies
We use session cookies to enhance the level of service we provide to customers. They record areas of the site you visit plus the length of time you spend viewing them. They do not identify a user by name. Your browser keeps track of session cookies as long as it is running, but deletes them when it is closed down. If you object to a cookie being placed on your computer please adjust your browser to let you know when a cookie is issued or you can choose to have them disabled, this will not prevent Emergency Compare Limited from giving you a quote online. Please refer to the website www.aboutcookies.org for more detailed information on how to control or manage cookies.