Terms and Conditions

The terms and conditions set out below govern the use of our website, www.businessprotectionexpert.co.uk. Please read these terms carefully and make sure you understand them before using our Website. You must not use this website if you do not agree to the terms and conditions, are under 18 or are a non-UK resident.

By using this Website you agree to accept these terms and conditions:
BusinessProtectionExpert.co.uk is registered in England and Wales.
Company Number: 09242759.
Licenced under the Data Protection Act No. ZA078889.
Business Protection Expert Ltd is an appointed representative of Openwork Limited which is authorised and regulated by the Financial Conduct Authority

The intention of “www.BusinessProtectionExpert.co.uk” is to provide you with an overview of business specific insurance products and/or services from our range of product providers to which we have access that may be available to you. It is possible you may find a better quote elsewhere even though as we seek to provide you with the best value offering. Whilst we provide you with a general and brief description of the products available via our website, only speaking directly to an adviser can provide you with tailored advice about those products and how suitable they may be for your needs.

Nothing on this website is or can be deemed to constitute financial, investment or other advice, not a recommendation or endorsement of a product or service by us. The material provided on the website is for general information purposes only and should not be relied upon. It is your sole responsibility to ensure the suitability, adequacy and appropriateness of a product or service that interests you on our website to your needs. As such you should consider seeking independent professional advice before obtaining any products or services via our website. Our service allows you to be introduced to an FCA regulated adviser who will be able to help you with your enquiry. Our service is free for you to use, however advisers will receive commission from insurance providers. We will always try to provide you with fast uninterrupted access to our website, but may terminate, suspend or restrict access to our website at any time for security or legal reasons as well as any other reasons we determine.

We make every effort to ensure the content available to you on our website is accurate and up to date at all times, and make changes to our website on a daily basis. As such we are unable to notify you of changes to our website.

We may change these terms and conditions from time to time. You will need to agree to the latest terms and conditions every time you visit the website. You should check this document on each visit you make to our website. It is important to do this as if you keep using our website we will assume your agreement to any changes we have made to our terms and conditions. These terms and conditions were last updated on the 21st June 2015. Our aim is to always provide you with an excellent service. However if you are unhappy with our service please contact us.

If you are unhappy with any product or service that you have been introduced to through our website please contact:

Complaints Management Team
Openwork Limited
Washington House
Lydlard Fields, Swindon SN5 8UB

Our Liability

THIS SECTION IS VERY IMPORTANT BECAUSE IT SETS OUT YOUR RESPONSIBILITIES AND OUR LIABILITY TO YOU.

If you provide us with any feedback, you are solely responsible for ensuring that all the information you provide is correct, complete, accurate and not misleading and that you disclose all relevant facts required. We are not responsible or liable for any loss or damage you may suffer or incur in connection with your failure to ensure such information is correct and not misleading.

It is very important to ensure that the information given to an adviser is correct, complete and not misleading and you have disclosed all the relevant facts. It’s your responsibility to identify any mistakes or errors in the information, content, material or data helped about you before you obtain any product or service from an adviser. Failure to do so could invalidate the product or service provided by the adviser. We are not responsible or liable for any loss or damage suffered as a result of your failure to ensure such information is correct and not misleading.

Through our website, you can apply for a number of products and services. These products and services are all provided by third party providers and not by BusinessProtectionExpert.co.uk. If you apply for or obtain a product and service, you will be contracting with a third party that will supply that product or service to you on their own terms and conditions. It is your responsibility to understand and agree with the terms and conditions that relate to the specific product or service you are interested in, before you enter into the contract. We are not responsible or liable to you for any loss or damage you may suffer or incur in connection with any contract entered into by you with any third party in relation to any product or service.

You are responsible for making your own enquiries to check that the product or service that you want to apply for is accurate, complete and up-to-date and meets your needs.

Our website contains information and descriptions about the products and services you may apply for. This information does not provide a complete description of all the features, terms, conditions, or information regarding those products. Much of this information is provided by third party product or service providers. We do not verify or endorse the information and it may be inaccurate, incomplete or out of date. Although we reasonably endeavour to ensure the information on our website is reliable and try to correct any errors and omissions as soon as possible, it is your responsibility to ensure that such information is accurate. We are not responsible or liable to you for any loss or damage you may suffer or incur in connection with, the details we provide on our website with respect to any product or service provided by third parties which you did not check individually and/or do not meet your needs for any reason.

You are responsible for ensuring that you have appropriate virus checking software on your computer. We cannot guarantee that our website is uncorrupted or free from viruses which may harm your computer and are not responsible or liable to you for any loss or damage you may suffer in this regard where caused by any third party. We do not seek to exclude or limit any liability that cannot be limited or excluded under any applicable law. This includes our liability for things such as fraud, death or personal injury caused by negligence.

We shall not be liable to you for any loss of income, revenue, business, profits or contract, anticipated savings, data, goodwill or opportunity, direct, indirect or consequential loss or damage incurred by you in connection with any access, use, or inability to access or use our website where:

You have not complied with any part of these terms and conditions.

  • "We are not in breach of a legal duty of care owed to you by us or by any of our employees or agents, or"
  • "the loss or damage you suffered by our breach of these terms and conditions was not reasonably foreseeable, or"
  • "the damage or loss was caused by events outside our control; or"
  • "to the extent that you have contributed to your loss or damage by failing to act reasonably in the circumstances or by failing to take reasonable steps to mitigate your loss or damage."

Your Liability

If you use our website, it is reasonable for us to expect that you will adhere to our terms and conditions. If we think you have breached any of the terms and conditions we may take appropriate measures to terminate and/or suspend your access to our website.

If your use of our website causes us to suffer any loss or damage, you shall be responsible for reimbursing us for any such loss or damage that we may suffer.

Additional Terms & Conditions

Additional terms and conditions apply to special offers such as cash back promotions and vouchers. These additional terms and conditions will be made available to you at the time any such offer is made. Any failure on our part to enforce any right will not constitute a waiver of such rights. These terms and conditions replace any previous terms and conditions regarding the use of our website. These terms and conditions are subject to English law and the exclusive jurisdiction of the English courts. If you have any questions about these terms and conditions or have a general query about the services that we provide, please get in touch.