Terms of Website Use
By accessing our website you indicate that you accept and agree to abide by the terms of access in Section A. The additional terms contained in Section B are applicable to members only. By joining Bought By Many, you indicate that you accept the terms of registration and that you agree to abide by them.
Section A: All users of the site
Information about us
www.boughtbymany.com is a website operated by Bought By Many Limited ("We"). We are registered in England and Wales under company number 07886430 our registered office and trading address is 31-35 Kirby Street, London, EC1N 8TE.
We are authorised and regulated by the Financial Conduct Authority – Register number 652623. We are a website that can be used to join a group of people, with similar insurance needs, to obtain discounted premiums and/or improved policy terms from selected insurance providers (“our Partners”). See our About Us page for further information.
We are an insurance broker but do not provide insurance services through our website. We do not assist in the administration and performance of contracts of insurance and will not perform any of our partner’s obligations under any contract of insurance. The insurance contract, and all communications and correspondence leading up to it and during the period of insurance, is entirely between you and the relevant insurer. We are not and will not be responsible for the insurer, or any issue under the insurance contract in any circumstances.
None of the information presented on this website constitutes advice in relation to insurance products. We assume that you will form your own independent view as to the adequacy of the products offered by our partners.
Accessing our website
Access to our website is permitted on a temporary basis, and we reserve the right to withdraw or amend the service we provide on our website without notice (see below). We will not be liable if for any reason our website is unavailable at any time or for any period.
From time to time, we may restrict access to some parts of our website, or our entire website, to users who have registered with us.
When using our website, you must comply with these website terms. You are responsible for making all arrangements necessary for you to have access to our website. You are also responsible for ensuring that all persons who access our website through your internet connection are aware of these terms, and that they comply with them.
Intellectual property rights
Any logos, trademarks, service marks or domain names of the Companies with which we have business relationships, remain the intellectual property rights of those companies, and you may not reproduce them without prior written consent from them.
Other than the above, we are the owner or the licensee of all intellectual property rights, including, without limitation, all logos, trademarks, service marks, domain names, database rights, rights in designs, rights in know-how, patents and rights in inventions (whether registered or unregistered) and all other intellectual or industrial property rights in any jurisdiction and for any information, content, materials, data or processes contained in or underlying this website and/or services we provide. These works are protected by copyright laws and treaties around the world. All rights of Bought By Many Limited in such intellectual property rights are hereby reserved.
You may print off one copy, and may download extracts, of any page(s) from our website for your personal reference and you may draw the attention of others within your organisation to material posted on our website.
You must not modify the paper or digital copies of any materials you have printed off or downloaded in any way, and you must not use any illustrations, photographs, video or audio sequences or any graphics separately from any accompanying text. Our status (and that of any identified contributors) as authors of the material on our website must always be acknowledged.
You must not use any part of the materials on our website for commercial purposes without obtaining a licence to do so from us or our licensors.
Bought By Many and the Bought By Many Logo are trademarks of Bought By Many Limited.
Reliance on information posted
We have taken every reasonable step to ensure that the commentary and other materials posted on our website are accurate and up-to-date. However such materials are not intended to amount to advice on which reliance should be placed and we cannot accept any liability for any errors or omissions. We therefore disclaim all liability and responsibility arising from any reliance placed on such materials by any visitor to our website, or by anyone who may be informed of any of its contents. We reserve the right to add, amend or delete information from this website at any time.
Our website changes regularly
We aim to update our website regularly, and may change the content at any time. If the need arises, we may suspend access to our website, or close it indefinitely. Any of the material on our website may be out of date at any given time, and we are under no obligation to update such material.
Our liability to you
The material displayed on our website is provided without any guarantees, conditions or warranties as to its accuracy.These terms do not affect our liability to you in any way for: personal injury or death arising from our negligence, nor our liability for fraudulent misrepresentation or misrepresentation as to a fundamental matter made by one or our employees or agents, nor any other liability which cannot be excluded or limited under applicable law. To the extent permitted by law, we, and third parties connected to us hereby expressly exclude:
- All conditions, warranties and other terms which might otherwise be implied by statute, common law or the law of equity. Any liability for any direct, indirect or consequential loss or damage incurred by any user in connection with our website or in connection with the use, inability to use, or results of the use of our website, any websites linked to it and any materials posted on it, including, without limitation any liability for:
- loss of income or revenue; loss of business; loss of profits or contracts; loss of anticipated savings; loss of data; loss of goodwill; wasted management or office time; and
- any other loss or damage of any kind, however arising and whether caused by tort (including negligence), breach of contract or otherwise, even if foreseeable, provided that this condition shall not prevent claims for loss of or damage to your tangible property or any other claims for direct financial loss that are not excluded by any of the categories set out above.
- Under no circumstances will we be responsible for any losses which arise in connection with an event or series of events which is/are outside of our reasonable control. Our total liability in contract, tort (including negligence or breach of statutory duty), misrepresentation to you, whether restitution or otherwise, arising in connection with the performance or contemplated performance of these terms shall in all circumstances be limited:
- in the event that your claim is connected to insurance purchased using a reference number obtained from our Site, to £100 or the value of first year’s premium paid, whichever is the higher;
- in the event that your claim is connected to an insurance group you have joined but where you have not purchased such insurance, to the typical cost of the insurance premium for members of that group at the time that you joined;
- in the event that you have not joined any insurance groups on our Site, to the sum of £100.
- Any claim arising as a result of these terms must be notified to us in writing within 6 (six) months of the date that such liability arises. Failure to provide notice within this period will forfeit any claim.
Privacy and Cookies
Transactions concluded through our website
Contracts for the supply of services formed through our website or as a result of visits made by you are governed by our terms and conditions of registration in Section B below.
Uploading material and contributing to our website
Whenever you make use of a feature that allows you to upload material to our website, or to make contact with other users of our website, such material must not be obscene, hateful, pornographic or otherwise illegal material. Any contribution to the site or communication with any other person in connection with our website must not: contain any material which is defamatory of any person; contain any material which is obscene, offensive, hateful or inflammatory; promote illegal activity; promote sexually explicit material, promote violence and/or discrimination based on race, sex, religion, nationality, disability, sexual orientation or age; infringe any copyright, database right or trade mark of any other person; be likely to deceive any person as to the content of our website.
When using our website or contributing to any forum or interactive services you shall only use our wesbite for lawful purposes. You may not use our site:
- In any way that breaches any applicable law or regulation.
- In any way that is unlawful or fraudulent;
- For the purpose of providing legal or financial advice to any person.
- For the purpose of making any unsolicited or unauthorised advertising or promotional material or claims.
You warrant that any such contribution does comply with these standards, and you indemnify us for any breach of that warranty.
Any material you upload to our website will be considered non-confidential and non-proprietary, and we have the right to use, copy, distribute and disclose to third parties any such material for any purpose. We also have the right to disclose your identity to any third party who is claiming that any material posted or uploaded by you to our website constitutes a violation of their intellectual property rights, or of their right to privacy.
We will not be responsible, or liable to any third party, for the content or accuracy of any materials posted by you or any other user of our website.
We have the right to remove any material or posting you make on our website if, in our opinion, such material does not comply with the content standards set out above.
Viruses, Hacking and Offences
You must not misuse our website by knowingly introducing viruses, trojans, worms, logic bombs or other material which is malicious or technologically harmful. You must not attempt to gain unauthorised access to our website, the server on which our website is stored or any server, computer or database connected to our website. You must not attack our website via a denial-of-service attack or a distributed denial-of-service attack.
By breaching this provision, you would commit a criminal offence under the Computer Misuse Act 1990. We will report any such breach to the relevant law enforcement authorities and we will co-operate with those authorities by disclosing your identity to them. In the event of such a breach, your right to use our website will cease immediately.
We will not be liable for 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.
Linking to our website
You may link to our website, provided you do so in a way that is fair and legal and does not damage our reputation or take advantage of it, but you must not establish a link in such a way as to suggest any form of association, approval or endorsement on our part where none exists.
The website from which you are linking must comply in all respects with the content standards set out in these terms and conditions and should be appropriate to our business and/or needs of our customers.
Our website must not be framed on any other website. We reserve the right to withdraw linking permission without notice.
If you wish to make any use of material on our website other than that set out above, please address your request through our Contact page.
Links from our website
Where our website contains links to other websites and resources provided by third parties, by means of hyperlinks or emailed to you as part of our services, these links are provided for your information only. These websites are owned and operated by third parties and we have no control over the contents of those websites or resources. We accept no responsibility for any statements, information, products or services that published or may be accessible through third party websites, or for any loss or damage that may arise from your use of them.
Amendments to our terms
Jurisdiction and applicable law
The English courts will have non-exclusive jurisdiction over any claim arising from, or related to, a visit to our website, although we retain the right to bring proceedings against you for breach of these conditions in your country of residence or any other relevant country.
If you have any concerns about material which appears on our website, or would like to contact us for whatever reason, our details are available on our Contact Us page.
Section B: Registered users of the site
Who you are
By registering as a user of our website you confirm that you: are over the age of 18 (eighteen) years, a natural person and reside in the United Kingdom;
Our service to you
We do not provide insurance cover to you and this contract is not a contract for provision of insurance services;
We provide a brokerage service to our Partners' products and have negotiated discounts and/ or improved terms. We are remunerated by each insurer as sales are made. We will exercise this service with reasonable care and skill.
We do not provide any advice in relation to insurance products and any information relating to insurance on our website should not be considered as insurance advice. It is your duty to discuss your insurance requirements directly with our Partners. As part of this service we may be required to pass on your information to the insurer if requested to do so.
The information contained in our website is for illustration purposes and while we will make all reasonable effort and care to ensure that the discounts or enhancements available for a particular product are accurate and up to date, we cannot guarantee the actual discount/ enhancement until you contact one of our Partners with a request to be sold a insurance policy. Any figures or quotes appearing on our website should be considered an invitation or guide price and not an actual offer.
Your contract with us
- You give your express permission to share your information with our hosting services, our insurance partners and group of companies, if applicable.
- You consent to receive marketing materials that we consider may be of interest to you unless you explicitly opt our by changing your email preferences;
- We will not share your information with any third party (other than an insurer from whom you buy a product or in anonymised form) without first asking your permission;
As a registered user you will be given the option of retrieving your contact lists from Twitter, Facebook and other social media sites, for passing on to us. By confirming your email address on our website, you will be giving your express permission to us retrieve this information on your behalf for the sole purpose of sharing our services with them. Your contacts will not receive any communication from us that has not been initiated by you.
Your contract with our partners
When you contact one of our Partners to enter into a group purchase for insurance, your contract will be between you and the insurer and be governed by their terms and conditions.
You should read and understand the terms of your contract as it is possible that you will be restricted from terminating the contract for a certain period.
It is your obligation to ensure that the contract that you enter into with them meets your requirements and Bought By Many cannot be held responsible for an incorrect purchase.
Thank you for visiting our website.
© 2015 Bought By Many Limited. Version 2 (May 2015)