1.1 When these terms apply. These general terms and conditions (the "Terms") apply when you receive Insurely-branded Insurance Data Aggregation Services through the web or your mobile device (whether through Insurely's own app or through an Insurely-branded tool embedded into another organisation's site) (the “Service”).
1.3 These Terms apply between you and us. We are The Great Collective AB (org. No. 559103 -5646), a company registered in Sweden at registered address Tegnérgatan 8, 113 58 Stockholm. If you have any questions or comments about the Service or these Terms, you can contact us via email at firstname.lastname@example.org. You can also find out more information about us and the services we provide at our website.
1.4 What the Service involves. Where you request the Service, we will collect your information and information about insurance products that you have signed up to with various insurance companies, in order to create an overview of your insurance coverage.
1.5 Who we provide the Service to. To use the Service, you must be at least 18 years old.
1.6 By using the Service, you agree to be bound by these Terms. We will inform you when we confirm your request for the Service and it is at this point that a contract will exist between you and us. We will let you know if we are unable to provide you with the Service for any reason (e.g. technical difficulties).
1.7 We may work with our Partners to provide the Service. Where you access the Service through a web module embedded into a third-party's site, then we may provide the Service to in connection with that third party (our "Partner") providing another related service to you ("Partner Service"). We are only responsible for the Service in accordance with the Terms. Other Partner Services are the sole responsibility of the relevant Partner and these Partner Services will be managed in accordance with that Partner's separate terms and conditions.
2. The Insurance Data aggregation service
2.1 You agree that we may access and copy your insurance information from your insurance provider(s). When you choose to use the Insurance Data Aggregation Service, you may need to provide your login or other authentication details for your account with the relevant companies that have provided your insurance. By doing so, you agree and instruct us to retrieve your insurance-related information from those external user accounts (and as otherwise disclosed to us by those third parties) in order to provide you with the Service in accordance with these Terms.
2.2 You are responsible for providing correct information. We are not responsible for making sure that any information you provide in connection with the Service (including the log-in details to your insurance provider's website) is correct. If you cannot provide correct and complete information, we may not be able to provide you with the Service.
3. Processing of personal data
4. Permitted use
4.1 You can use the information we provide you for your personal use only. You are permitted to download, copy and save information that we provide you through the Service for personal use only. Other than this, you are not permitted to copy, modify, distribute or publish any content that we provide. You are also not permitted to misuse offers or otherwise misuse the Service for improper, illegal, fraudulent or unlawful purposes.
4.2 Your other obligations when using the Service. You are responsible for and hereby guarantee that:
- You have the right to access and use any third-party website login (or other authentication information) that you provide to us in connection with the Service and all information you access through these.
- You will keep your login credentials for the Service secure and protected from unauthorised access.
- You will keep the devices that you use to access the Service protected from unauthorised or improper use (e.g. by locking your phone in a way which requires a code, fingerprint reader or face recognition for access).
- If you suspect or become aware of any improper or unauthorised use of the Service, you will notify us as soon as possible.
5. Where we might change or suspend the service
5.1 If you breach these Terms or misuse the Service. We have the right at any time to refuse your ability to access or use the Service if you violate these Terms or where we think you have used the Service in a way that might cause damage to us or a third party.
5.2 For Service and other maintenance. We can take measures that may affect your access to the Service or otherwise suspend the Service:
- to make technical adjustments or improvements, to carry out maintenance, or for other safety reasons (e.g. to address a security threat);
- to reflect changes in relevant laws and regulatory requirements;
- to otherwise update digital content (provided that the digital content always matches the description of it that we provided to you when you first obtained it). We might ask you to install these updates.
In these cases, we will promptly inform you that your access to the Service has been suspended or restricted, as relevant
5.3 We can stop providing any part of the Services at any time. We will give you reasonable notice in advance.
5.4 If we change these Terms. We reserve the right to change these Terms at any time. Where the change is a material one, we will give you reasonable notice in advance of the change. If you do not accept the changed Terms, you have the right to end your agreement with us at any time.
6. How we will provide the services
6.1 We honour our legal duty to provide you with the Service as it is described to you on our website and that meets all the requirements imposed by law.
6.2 You can ask us to repeat or fix the Service if it is not carried out with reasonable care or skill. If a time has not been agreed upfront, it must be carried out within a reasonable time.
6.3 Whilst we aim to provide you with a useful Service, we cannot guarantee the reliability or accuracy of any of the information presented to you during your use of the Service.
6.4 The Service is provided as-is and as-available and we do not warrant that your use thereof will be uninterrupted or error-free. We cannot be held responsible for the Service being down or if any information or functionality is unavailable or does not work as expected.
7. Our responsibilities
7.1 We are not responsible for delays outside our control. Where our supply of the Service is delayed due to circumstances or an event out of our control then we will contact you as soon as possible to let you know and we will take steps to minimise the effect of the delay. Provided we do this, we will not be liable for delays caused by the event (but see clause 8 for information on when you can end the contract with us).
7.2 We are responsible to you for foreseeable loss and damage caused by us. If we fail to comply with these Terms, we are responsible for loss or damage you suffer that is a foreseeable result of our breaching this contract or our failing to use reasonable care and skill, but we are not responsible for any loss or damage that is not foreseeable. Loss or damage is foreseeable if either it is obvious that it will happen or if, at the time the contract was made, both we and you knew it might happen, for example, if you discussed it with us during the process of initiating the Services.
7.3 We are not responsible for avoidable losses. We will not be responsible for any loss you suffer as a result of something you could have avoided by taking reasonable action. For example, damage to your own digital content or device, which was caused by digital content we supplied and which you could have avoided by following our advice to apply a free update or by correctly following the installation instructions or having the minimum system requirements advised by us.
7.4 We do not exclude or limit in any way our liability to you where it would be unlawful to do so. This includes liability for death or personal injury caused by our negligence or the negligence of our employees, agents or subcontractors; for fraud or fraudulent misrepresentation; for breach of your legal rights in relation to the products.
7.5 We are not liable for business losses. We only supply the Service for domestic and private use. If you use the products for any commercial, business or re-sale purpose we will have no liability to you for any loss of profit, loss of business, business interruption, or loss of business opportunity.
7.6 We are not responsible for any Partner Services. We are only responsible for providing the Insurance Data Aggregation Services. We will not be responsible for any losses you might suffer as a result of any Partner Services or for any decisions that you choose to take in relation to your insurance coverage after receipt of the Service.
8. How you can end the contract8.1 You can cancel at any time. Whilst under the law you have a legal right to change your mind in 14 days for many products and services bought online (subject to a few conditions), this right is not available for services that have already been completed. The Services we provide are provided very shortly after you request to receive them and therefore this right will not apply. However, you can nonetheless end the contract with us at any time by:
- notifying us using the email address provided at the top of these Terms,
- where you are using the Insurely app, selecting the "Close account" button,
- completing the model cancelation form provided at the schedule to these Terms, or
- by notifying the Partner through which you use the Service (if applicable).
8.2 This is a free Service. The Service is provided to you free-of-charge. As such, we will not provide you with any refunds when you end the contract with us for any reason.
9. When we might end the contract
9.1 We might stop providing the Service. As set out at clause 5.3, we can stop supplying any part of the Service at any time (and we will give you prior notice where this is the case).
9.2 If you do not provide us with information or cooperation. We might also end our contract with you for the Service if you do not, within a reasonable time of us asking for it, provide us with information, cooperation or access that we need to provide the Service (for example, login details for your third-party insurance provider sites).
9.3 If you breach these Terms. We might also end the contract where we have reason to believe that you have breached these Terms.
10. What to do if there is a problem with the service
10.1 You can contact our customer service team. We care about our customers. Do not hesitate to get in touch with us if you are dissatisfied with our Service or anything else: you can e-mail us at email@example.com (please write "Complaint" in the subject field).
10.2 We aim to respond to all comments we receive as soon as possible. Where there is a disagreement between you and us about these Terms, or you raise a complaint about our Service, we will attempt to resolve this by discussing it with you. We will tell you the outcome of our investigation into your complaint and give you the chance to discuss it with us. If we have done something wrong, we will apologise to you.
10.3 These Terms are governed by English law and wherever you live, you can bring claims against us in the English courts. If you live in Wales, Scotland or Northern Island, you can also bring claims against us in the courts of the country you live in.
11. Other important terms that apply
11.1 We can transfer our rights and obligations under these Terms so a different organisation is responsible for supplying the Service. We might engage subcontractors to meet our obligations under these Terms. However, your use of the Service is personal to you and you have no right to assign your rights and obligations under these Terms.
11.2 If a court invalidates some of this contract, the rest of the Terms will still apply. If a court or other authority decides that some of these terms are unlawful, the rest will continue to apply.
11.3 Even if we delay in enforcing these Terms, we can still enforce them later. We might not immediately chase you for not doing something or for doing something you are not allowed to, but that does not mean we cannot do it later.
11.4 These Terms may have changed since you last reviewed them. See the top of these Terms for the date on which they were last updated. The version of these Terms that is current at the time you ask us to provide the Service will be the version that applies to you.
SCHEDULE - MODEL CANCELLATION FORM
(Complete and return this form only if you wish to withdraw from the contract)
To [The Great Collective AB, Sveavägen 9, 111 57, Stockholm, Sweden, firstname.lastname@example.org]
I/We [*] hereby give notice that I/We [*] cancel my/our [*] contract for the supply of the following service [*],
Ordered on [*]/received on [*],
Name of consumer(s),
Address of consumer(s),
Signature of consumer(s) (only if this form is notified on paper),
[*] Delete as appropriate