Terms and conditions
Introduction
We are an AutoSave service and through our website we offer services in relation to a range of products and services. Some of these products and services are offered by third party websites which are linked to via our website. Where this is the case you will be bound by the third party’s terms and conditions.
In these Terms and Conditions, “we”, “our” and “us” means Surfeit Solutions Limited trading as Quotelinx and “you” and “your” means any person who uses our website.
If you are unsure about any aspect of these Terms & Conditions, or have any questions regarding our relationship with you, please contact us.
The Terms and Conditions relate to the Quotelinx AutoSave service (the “Service”), by which the subscriber (also referred to in these Terms and Conditions as “you”) authorises us to assess your energy supply contract and certain other household bills from time to time and, where we deem appropriate, to switch contract or supplier or insurer on the subscriber’s behalf using our own assessment and judgement in choosing the deal which is best suited for the subscriber according to information provided to us relating to the subscriber.
About Quotelinx
The Service is provided by Surfeit Solutions Ltd trading as Quotelinx (also referred to in these Terms and Conditions as “Quotelinx”, “we” or “us”), a company registered in England and Wales (company number 12832093) having a registered office at Crispins Manor Farm Lane, Michelmersh, Romsey, England, SO51 0NT.
Nothing in this site shall be deemed to constitute financial or other professional advice in any way. In choosing to use the Service from this site you should not rely solely on the information contained within the site pages. You should carefully read the terms and conditions relating to any specific product before proceeding.
Further information about the Service can be obtained from our website and other publications or by contacting us. All Service details, rates, terms, conditions and other information are subject to change from time to time.
You will not be charged for using our website. Instead, when we introduce you via our website to buy a product or service from a third party, that third party pays a fee and/or commission to us.
The Energy Service
In order to assess the energy supply deals available on the market and to decide which one suits your needs best, we rely on information you provide to us regarding your property and energy usage and regarding your past energy bills. We do not independently verify the information you provide to us and we rely on what you tell us in order to find the best deal for you. It is your responsibility therefore to ensure that the information you provide to us is accurate and up-to-date. In order to switch your energy and as part of our ongoing service, we may access information held about you and your current energy supply by selected third parties.
We take into account a broad range of factors in selecting your energy contract or supplier which include price but also include (without limitation) the length of the deals on offer, long term price guarantees, quality of service, customer service, customer ratings, financial stability of the supplier, its track record and other information that may be available to us. Best value for money is one of the criteria by which we select energy contracts/supplier for our subscribers but the deal that we may select for you may not be the cheapest deal on the market at a given time and might not be the cheapest for your purposes. Please also refer to our “Customer Guarantee”.
Broadband, digital TV, mobile broadband, mobile phones, home phone
For these products, we receive data from third party providers, which continually monitor the market and update Quotelinx daily with any changes or new deals to ensure our results are comprehensive and accurate.
Insurance products
This Website (and associated call centre(s)) may offer insurance comparison services (including business, home, travel, breakdown, and/or car insurance) (“Insurance Comparison Service”). In respect of the Insurance Comparison Service:
All Insurance Comparison Services on this website are provided by Seopa Ltd trading as Qoutezone. Seopa is registered in Northern Ireland, Registered Number NI46322 and has its registered office at Seopa Ltd, 5th Floor Link Building, Adelaide Exchange, 24-26 Adelaide Street, Belfast, BT2 8GD. Seopa Ltd is authorised and regulated by the Financial Conduct Authority (FCA), registered number is 313860. Their permitted business is insurance mediation as well as having permission for credit brokerage. By using this Website for the purpose of Insurance Comparison Services, you are also agreeing to Quotezone’s Terms & Conditions and Privacy Policy;
Answer all questions honestly, completely and to the best of your knowledge, and for ensuring that any assumptions made are correct.
Failure to do so may lead to your insurance policy being invalid or an increase in cost. You may also be liable for any third party costs in the event of a claim.
Before purchasing a policy it is extremely important that all the information the insurance company holds on you is accurate. You should therefore ensure that all information you provide is complete and accurate. Neither we nor any insurance providers will check this information for you. Again, failure to do this may lead to your insurance being invalid or an increase in the cost of that policy.
It is important that you read the insurance company’s terms and conditions to check that you understand and agree with them. The insurance company’s terms and conditions are not the same as ours and they will be the terms you agree to when you accept a quotation.
It is important that you read all insurance documents issued to you and ensure that you are aware of the cover, limits and other terms that apply. Failure to comply with the insurer’s terms and conditions could invalidate your policy.
You should also check that all your details on the policy documents are correct, including any assumptions that may have been made on your behalf by the insurer. If the information supplied by you is not correct, it is your responsibility to notify the insurance company. Failure to inform the insurer of any errors or missing information could invalidate your policy.
Terms of use
You must be 18 years old or over to use this Website, and warrant that the details you provide on registration are true, accurate, complete and current. You must promptly update us with any changes to your details. Where you register using a social account, you are responsible for maintaining the confidentiality of that social account login. You agree that any person who has access to your email address or social account login is authorised to act as your agent for the purpose of transacting for any services via this Website, and you will be responsible for any and all activity conducted using your email address or social account. You shall take reasonable steps to prevent unauthorised access to your account via any computer or other device that you use to access your account or via your social account. If you believe someone has, without authorisation, accessed an account that you created on this Website or that your email address or social account has been compromised, please contact us immediately.
When you create an account you may be given the opportunity to opt-in to receive marketing emails from us, our group companies or third parties. You can manage your email subscription preferences via the Website or unsubscribe from emails at any time. From time to time, we may need to send you service emails relating to your account, and we reserve the right to do so.
Owing to the nature of the Internet we cannot guarantee that this website will always be available to users. You should ensure that you have appropriate protection against viruses and other security arrangements in place whilst using the Internet.
No representation/limited authorisation
We do not represent or act as the agent for any supplier in connection with the services. Whilst we may have commercial relationships with suppliers and may negotiate collective deals with suppliers, in providing the services we act independently using our own judgment to select suppliers and the best deals for our subscribers.
We take precautions not to put ourselves in conflict of interests and will seek to notify our subscribers if we believe we might be in conflict.
We will not represent you or act as your agent or representative in relation to your supply contracts with suppliers, even if we select the supplier or the contract and arrange the switching of your supplier.
Credentials and passwords
Whatever user names and passwords and other subscription log-in credentials provided to you for the purpose of accessing the Service (“Account Credentials”) are personal and must not be shared. You must keep Account Credentials secure.
Permitted use
The website are for your personal, non-commercial use only. They may only be accessed and used by a private individual or by a business to seek a Product directly for that individual or business. Access to and use of the website other than for your personal, non-commercial purposes is strictly prohibited.
You are not permitted to use the 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;
to create, check, confirm, update, modify or amend another person’s records;
to tamper with, modify, reverse engineer or amend any part of this Sites;
in a way that interferes with, disrupts or imposes an unreasonable or disproportionately large burden on our communications and technical systems; or
with any automated software, process, program, robot, web crawler, spider, data mining, trawling or other “screen scraping” software, process, program or system.
Except for certain travel insurance products or services, this website are intended for use only by customers who are located in the UK. We make no warranty or representation that any Product and/or any service we provide is available or otherwise appropriate for use outside of the UK. If you choose to use the Sites from locations outside the UK, you do so at your sole risk and you are responsible for compliance with all applicable local laws.
Except for certain motor insurance products for young drivers, the website is intended for the use of over-18s only.
You may operate a link to the website provided you do so in a way that is fair and legal and does not damage our reputation or take advantage of it, as determined by us. You must not operate a link to the website in such a way as to suggest or imply any form of association, approval or endorsement by us. We reserve the right to require you to remove any link to the website immediately and at any time and we may withdraw any linking permission at any time
How Quotelinx makes money
We provide an independent online service which enables you to research and compare listed products or services provided by third parties. Our comparison service is free for you to use. We receive a fee and/or commission from providers when you use our service to purchase Products. Our customer services team is available to support with any offline queries.
Unless arranged and agreed in advance with us, the use of the Service for any commercial or research purposes (including, without limitation, to conduct any surveys or to scrape or collect any data, to carry out competitor analysis or price research, to monitor the Service or third party energy or home insurance deals or offers) is strictly prohibited.
Without derogation from the generality of the foregoing, any of the following is prohibited and may result in the immediate termination of the subscription without liability and may be reported to relevant authorities:
the unlawful use of the Service or its use for unlawful purposes;
the provision of misleading or inaccurate data to us in connection with the Service;
accessing a subscriber’s account without the subscriber’s express authorisation;
signing up, accessing or using the Service, or obtaining any product recommendations, data or other input from the Service, through automatic means (e.g., using “bots” or other computer software without an individual person controlling each step of the use of the Service);
the use of the Service for the purpose of developing, providing or carrying out any service or business targeting third parties (whether or not such service or business competes with us) or its use for the purpose of generating any revenue (other than savings on your private household bills); or
the use of the Service in a manner intended to cause overload or disruption to the Service.
Warranties
You warrant and represent to us that:
- You are at least 18 years old;
- You are a UK resident
- You do not represent any third party (other than your immediate family members or, if you are the owner or manager of a property held under lease or tenancy, the tenant or lessee) and you do not act in any capacity other than as a private consumer;
- You subscribe for the Service for private personal purposes and not for any of the purposes prohibited under these Terms and Conditions;
- All information you provide to us about yourself and your property including information relating to your current energy or insurance contract, your past and estimated energy usage or claims experience and other information we request from you is true, accurate to the best of your knowledge and not misleading in any way; and
You will update us if any information you provided to us becomes out of date or untrue during the term of your subscription.
We warrant to you as follows:
we have the right to provide the Service;
- we shall use commercially reasonable efforts to provide the Service using reasonable care and skill; and
- we shall use commercially available technologies to protect your personal data.
Other than the warranties, representations and covenants expressly set out in these Terms and Conditions, we give no warranty nor make any representation in relation to the Service and the parties expressly disclaim to the fullest extent permitted by law any representation or warranty relating to the Service that may be implied by these Terms and Conditions, by custom or by law or otherwise and which is not expressly set out in these Terms and Conditions, including any implied warranties of quality, merchantability, title or entitlement, fitness for a particular purpose, non-infringement of third party rights, the ability to achieve a particular result or functionality, including any warranty or representation that the Service will be uninterrupted or error free, and all such implied terms or warranties are expressly excluded.
Privacy policy
We understand how important your privacy is and we take its security seriously. To read our Privacy Policy, click here. This Privacy Policy should be read in conjunction with our Terms and Conditions and our Cookie Policy.
Intellectual Property
All information, data and copyright material contained on this website, including any trade marks (whether officially registered or unregistered), trade names, brands, logos and devices belong to us or to people whom we have given ownership or permission to use such information data and/or copyright material. You must not use such information or copyright material unless you have written permission from us or the owner to do so.
You may download, print and view extracts from our website for your personal use but must not otherwise copy, reproduce or redistribute any part of our website without our prior written consent. In particular you must not reproduce or exploit any part of our website for commercial gain. All other rights are reserved and users must ask our permission before making any other use of material contained in this website.
Indemnity
You agree to indemnify us, our directors, employees, agents, representatives (“Indemnified Persons”) and keep us indemnified against any loss, damage, cost or liability arising to any Indemnified Persons as a result of any claim, demand or proceedings brought or threatened against the Indemnified Persons in connection with any breach by you of these Terms and Conditions, including any breach of warranty, or any misrepresentation or negligence in relation to your subscription to the Service or its use, or out of your use of the Service in contravention of these Terms and Conditions.
Limitations on liability
We are responsible to you for:
any claim you may have against us for a personal injury or in respect of your death if caused by our negligence;
any statements made by our employees to you which are not true statements of fact and which are made by that employee with fraudulent intent;
any statements made by our employees to you which are misleading or untrue.
Except in the case of (1) or (2) above (where our liability to you is unlimited), our liability to you will be limited to the upper level of our insurance limit which may vary from time to time.
We are not responsible to you for:
any reliance that you may place on any material or commentary posted on our website. Please note that nothing contained in our website or the material published on it is intended to amount to advice on which you should rely; or
any losses you suffer because the information you put into our website is inaccurate or incomplete; or
any losses you suffer if the information you put into our website is accurate but the insurer’s website has not accurately reflected that information because its system is not working correctly; or
any losses you suffer if you misrepresent any fact which may influence the insurer’s decision to accept the risk or the terms offered; or
any losses you suffer because you cannot use our website at any time; or
any losses you suffer through connecting to any linked third party websites or any statements, information, content, products or services that are published on, or may be accessible from, any linked third party website and we do not guarantee that they are free from viruses or anything else that could be infectious or destructive; or
any errors in or omissions from our website; or
any losses you may suffer by relying on any commentary, postings or reviews (of our services or that of our partners) on our website; or
any loss or damage caused by a distributed denial-of-service attack, viruses or other technologically harmful material that may infect your computer equipment, computer programs, data or other proprietary material due to your use of our website or to your downloading of any material posted on it, or on any website linked to it; or
the privacy policies and practices of other linked third party websites, even if you access them using links from our website; or
any unauthorised access or loss of personal information that is beyond our control.
Force Majeure
A party shall not be in breach of these Terms and Conditions, nor liable for any failure or delay in performance of any of its obligations under these Terms and Conditions where such failure or delay arises from or is attributable to acts, events, omissions or accidents beyond its reasonable control including an act of God, fire, flood, earthquake, windstorm or other natural disaster, explosion or accidental damage, war, threat of or preparation for war, armed conflict, imposition of sanctions, embargo, breaking off of diplomatic relations or similar actions, terrorist attack, civil war, civil commotion or riots, shortage of raw materials or supplies, industrial action or strike, power cuts electronic or communication network breakdowns, changes to the law or regulatory requirements, court orders or directions of a regulatory authority and any government or sovereign action.
Our to ban or terminate you right to use this website
We may issue a warning, suspend or terminate your right to use this website if you:
substantially breach any of these Terms and Conditions;
infringe or violate any rights of any other user(s) of this website and/or third parties in connection with this website; or
if you are using this website to commit or attempt to commit a criminal offence.
Complaints
If you wish to make a complaint or have other queries relating to the Service, please contact us by email: info at quotelinx dot com
If your complaint relates to any of our third party service providers, we will let you know that we have forwarded your complaint to them and will supply you with their contact details. The third party will then reply to your complaint directly.
A summary of our internal process for dealing with complaints, which outlines how we will handle your complaint both promptly and fairly, is available on request. If you are still dissatisfied then you may be entitled to refer your complaint to the Financial Ombudsman Service (FOS).
Our third party service providers are covered by the Financial Services Compensation Scheme (FSCS). You may be entitled to compensation from us if we cannot meet our obligations. This depends on the type of business and the circumstances of the claim. If you are eligible to claim from the FSCS, compensation is available as follows:
Insurance advising and arranging is covered for 90% of the claim, without any upper limit.
For compulsory classes of insurance (such as Third Party Motor or Employers Liability), insurance advising and arranging is covered for 100% of the claim without any upper limit
Further information about compensation scheme arrangements is available from the FSCS by calling 0800 678 1100 or 020 7741 4100 or by visiting their website www.fscs.org.uk.†
Use of your personal information
As part of the provision of our services Surfeit Solutions Ltd will be acting as a ‘controller’ (as such term is defined under the General Data Protection Regulations 2016/679 (GDPR)) and is registered with the Information Commissioner’s Office as a controller with registration number ZA793027. Please see our Privacy Policy for further information on how we handle your personal data.
By using our Services, you are acknowledging that you understand the scope of our Services and how we use Personal Data (as such term is defined in the GDPR) relating to you.
You agree not to upload, transmit or send any Personal Data to us whether via our website or otherwise which you are not lawfully authorised to upload, transmit or send for use by us as set out in these Terms and our Privacy Policy.
By uploading, transmitting or sending any Personal Data to us whether via our website or otherwise you are representing to us that you have all necessary authority and have obtained any consents required to enable us lawfully to use such Personal Data in accordance with the terms set out in our Privacy Policy.
If you decide to purchase or make further queries about a product or service through this website you may be directed to the product or service provider’s website and the information you have provided may be passed to such providers to allow them to deal with your request. Those providers will be subject to their own terms and conditions and each provider may have a different privacy policy from ours.
Governing Law
These Terms of Use are governed by English law and the contract between you and us is made in England. Any disputes will be settled in English courts, although we may take action to enforce our intellectual property rights in any relevant jurisdiction. If any provision of these Terms of Use is found to be unenforceable, it will be replaced with a provision reflecting the intent of the original provision.
General
Nothing in these Terms and Conditions shall create, or be deemed to create, a partnership or joint venture and shall not be construed as giving rise to the relationship of principal and agent between the parties.
If any provision of these Terms and Conditions is or becomes illegal, invalid or unenforceable in any respect under the law of any jurisdiction, that shall not affect the legality, validity or enforceability in that jurisdiction or any other jurisdiction of any other provision of these Terms.
A person who is not a party to these Terms and Conditions shall have no rights to enforce the provisions of these Terms and Conditions under the Contracts (Rights of Third Parties) Act 1999.
No modification, alteration or waiver of any of the provisions of these Terms and Conditions shall be effective unless in writing and signed on behalf of each of the Parties. No omission or delay on the part of either party in exercising any right, power or privilege hereunder shall operate as a waiver thereof, nor shall any single or partial exercise of any such right, power or privilege preclude any other or further exercise thereof or of any other right, power or privilege. The rights and remedies herein provided are cumulative with and not exclusive of any right or remedies provided by law.
These Terms and Conditions constitute the entire agreement between the parties and supersede all other agreements, statements, letters and other arrangements between the parties in relation to the subject matter hereof. Each party acknowledges that it has not relied on or been induced to enter these Terms and Conditions by a representation other than those expressly set out in these Terms and Conditions. This clause does not affect a party’s liability in respect of a fraudulent misrepresentation.
Legal
These Terms and Conditions apply to your use of our website.
By accessing our website you agree to be bound by these Terms and Conditions, together with our Privacy Policy and Cookie Policy. If you do not wish to be bound by them then you should stop using our website immediately.
We reserve the right to change these Terms and Conditions from time to time and without notice. You should therefore check these Terms and Conditions each time you visit our website.
If any part of these Terms and Conditions is subsequently considered to be illegal, invalid or unenforceable then that provision should be treated as having been deleted without affecting the validity of the remaining terms.
These Terms and Conditions (together with our Privacy Policy and Cookie Policy) represent the entire agreement between you and us relating to your use of our website. These terms also supersede any previous agreements, including previous terms and conditions of our website.
These Terms and Conditions are subject to the laws of England and Wales and the exclusive jurisdiction of their Courts.