Use of this Website

This website (Website) is owned and provided by Property Expert Limited Trading as The Home Insurer (registered in England and Wales with company number 7275751) whose registered address is at 35 Conway Drive, Thrapston, Northamptonshire NN14 4XP, the firm trades from Suite 3, Thrapston House, Huntingdon Road, Thrapston, Northamptonshire NN14 4NF.

Property Expert Limited is Authorised by the Financial Conduct Authority, Firm Reference Number: 615253. We don't recommend or provide advice on which insurance is the best for you.

Property Expert Limited trading as The Home Insurer owns or has a licence for all copyrights for this website and all materials used on it. You may only print, copy, download or temporarily store extracts from our site for your personal information. You must not alter anything. Any other use is prohibited.

This site is used for the collection of information only. You are NOT able to effect any cover or changes to your cover via this site. You may email us or complete our online quote form only to help us in collecting the necessary information to provide you with a quotation or adjustment to your policy. No cover, or any adjustments to cover will be undertaken via this website or via email without subsequent phone or written confirmation.

Cookies

 

 

Cookies are tiny text files stored on your computer when you visit certain web pages. We use cookies for statistical analysis and to track how many individual unique users we have, how often they visit our website and to remember you when you return to our site.

We use third parties, such as Google Analytics, Google Adwords, and Feefo, to collect completely anonymous user information which is gathered through cookies. These help us understand how to meet your needs and improve our service to you.

We use session cookies to help you navigate through the site and show you useful information, such as helpful phone numbers. Session cookies also enable you to use services such as online quotes and customer contact forms.

We do have relationships with third parties, who may also set cookies during your visit to be used for remarketing purposes. They enable us to identify and offer the most relevant products and services that may be of interest to you and allow us to limit the number of times you see marketing messages from us. They also allow us to monitor the performance of these messages.

We may use cookies to assist these sites in delivering relevant and timely advertising. To do this we collect anonymised data which is passed to the partner in question, along with the display advertising network in accordance with their own privacy and cookie policies.

You can turn cookies off, but this may impair your experience of using our site and you may not be able to use all of the services available. For more information about cookies, how to manage them, and how to turn them off, please visit http://www.aboutcookies.org/

By using our sites you are agreeing to the use of cookies as described, unless you have turned them off.

Permitted use

 

 

You are only permitted to access and use this Website for your personal, non-commercial purposes, meaning this Website may only be accessed and used directly by a private individual or by a business to seek a product or service directly for that individual or business and on their own behalf. Access to and use of this Website other than for your personal, non-commercial purposes is strictly prohibited.

You are not permitted to use this 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 your own or another person’s databases, records or directories. To tamper with, modify, reverse engineer or amend any part of this Website. In a way that interferes with, disrupts or imposes an unreasonable or disproportionately large burden on our communications and technical systems as determined by us. Using any automated software, process, program, robot, web crawler, spider, data mining, trawling or other "screen scraping" software, process, program or system.

Intellectual property rights

 

 

The copyright in the information, content, material or data displayed on this Website belongs to us or our licensors. You may temporarily print; copy, download or store extracts of information, content, material or data displayed on this Website for your own personal use, subject to the following conditions: It may not be used for any commercial purposes and may not be commercially exploited, published, distributed, extracted, re-utilised or reproduced without our prior written consent. You may not use any automated software, process, program or system, robot, web crawler, spider, data mining, trawling or other "screen scraping" software, process, program or system. It may not be sold or transferred to any third party. The copy must retain any copyright or other intellectual property notices contained in the original material. Images displayed on this Website are protected by copyright and may not be reproduced or appropriated in any manner without the prior written consent of their respective owner(s). No logos, trademarks or service marks displayed on this Website may be printed or downloaded, except as part of the text of which they form part. You must not modify the paper or digital copies of such information, content, material or data. It may not be excerpted, utilised, used, reproduced, published, reformatted and/or displayed on any other website without our prior written consent. The status of us and our licensors as the authors of such information, content, material or data must be acknowledged.

All intellectual property rights including, without limitation, all copyright, design rights, patents, inventions, logos, business names, trading names, service marks and trademarks, internet domain names, moral rights, rights in databases, data, source codes, software, specifications, know how, processes and business methods (in all cases whether registered or unregistered and including all rights to apply for registration) in and relating to this Website (including information, content, material or data displayed on it) belong to us or our licensors and all such rights are reserved.

Except as set out elsewhere in these Terms of Use, none of the intellectual property rights belonging to us or our licensors in and relating to this Website (including information, content, material or data displayed on it) may be used, copied, modified, published, extracted, utilised, transmitted, displayed, sold, excerpted, reverse engineered, made available, reproduced, reformatted or distributed by you without our prior written consent.

All rights in www.thehomeinsuer.co.uk are owned by us.

Limits to our liability

 

 

Nothing in these Terms of Use excludes or limits our liability for death or personal injury caused by our negligence or for our fraud or fraudulent misrepresentation.

Whilst we use reasonable endeavours to ensure that information on this Website is accurate and up to date and to correct errors as soon as we are able to after becoming aware of them, we do not check, monitor, review, verify or endorse, and we are not responsible or liable for any loss or damage you may suffer or incur in connection with, any information, content, material or data collected from or provided by third parties which is displayed on or is otherwise available from this Website or any third party websites. Such information, content, material or data may be inaccurate, incomplete or out of date. It is your responsibility to check that such information, content, material or data is accurate, complete, correct and up to date.

Any views, opinions, advice, reviews, ratings or comments on this Website or any third-party websites which are made by third parties (including User Content as described in paragraph 4.5) do not represent our views, opinions or advice, should not be relied upon by you and are not checked, monitored, reviewed, verified or endorsed by us. We are not responsible or liable for any loss or damage you may suffer or incur in connection with such views, opinions, advice, reviews, ratings or comments including in relation to their accuracy, truthfulness or completeness.

We do not give any warranty or guarantee that this Website, any third party website or any information, content, material or data on this Website or any third party website is free from viruses, spyware, malicious software, Trojans, worms, logic bombs or anything else which may have a contaminating, harmful or destructive effect on any technology. You must ensure that you use appropriate virus checking software. We are not responsible or liable for any loss or damage you may suffer or incur in this regard where caused by any third party.

We are not responsible or liable for any loss or damage you may suffer or incur in connection with your use of this Website which is caused by any event beyond our reasonable control including the electronic transmission of information, content, material and data over the internet and the interception or decryption of it by others.

We are not responsible or liable for any indirect loss or damage you may suffer or incur in connection with your use of this Website (including any loss of savings you expect to make, loss of business or business opportunity, or loss of profit or revenue) or for any loss or damage you may suffer or incur in connection with your use of this Website which was not foreseeable by us when you used this Website.

We are not responsible or liable for any loss or damage you may suffer or incur in connection with any inability to access and use this Website for any reason.

Your responsibilities

 

 

You must take all reasonable precautions (including using appropriate virus checking software) to ensure that any information, content, material or data you provide is free from viruses, spyware, malicious software, Trojans, worms, logic bombs and anything else which may have a contaminating, harmful or destructive effect on any part of this Website or the websites of third parties or any other technology.

You may complete a registration process as part of your use of this Website which may include the creation of a username, password and/or other identification information. Any username, password and/or other identification information must be kept confidential by you and must not be disclosed to, or shared with, anyone. Where you do disclose to or share with anyone your username, password and/or other identification information, you are solely responsible for all activities undertaken on this Website using your username, password and/or other identification information.

You must check and ensure that all information, content, material or data you provide on this Website is correct, complete, accurate and not misleading and that you disclose all relevant facts. We do not accept any responsibility or liability for any loss or damage you may suffer or incur if any information, content, material or data you provide on this Website is not correct, complete and accurate or if it is misleading or if you fail to disclose all relevant facts.

Before you obtain any product or service from a third party, you must check all of the information, content, material or data held by the third party about you to ensure it is correct, complete, accurate and not misleading and that you have disclosed all relevant facts. It is your responsibility to identify and correct any mistakes or errors in the information, content, material or data held by the third party about you before you obtain any product or service. Failure to do so could invalidate the product or service provided by the third party. We do not accept any responsibility or liability for any loss or damage you may suffer or incur if any information, content, material or data held by the third party about you is not correct, complete and accurate or if it is misleading or if you have failed to disclose all relevant facts.

You must get permission from any other person about whom you propose to provide information before you provide it. In submitting any other person’s details, you are confirming to us that you have their permission to do so and that they understand how their details will be used.

You are solely responsible and liable for your conduct on this Website and for your User Content. You must ensure that: You own your User Content or otherwise have the right to grant the licence, Your User Content does not violate or infringe any privacy rights, intellectual property rights (such as copyright, database rights and trade marks) or other rights of any third party (including any right of confidentiality). Your User Content does not violate or infringe any law. Your User Content is true, complete, accurate and not misleading where it relates to facts, or is genuinely held where it relates to an opinion. Your User Content is not harmful, fraudulent, threatening, defamatory, embarrassing, distressing, infringing, abusive, inflammatory, intimidating, harassing, libellous, stalking, profane, obscene, indecent, inappropriate, hateful, discriminatory or racially, ethnically, sexually or otherwise objectionable.

You agree that you will be liable to us for any damage, loss, claim, demand, liability or expense (including reasonable legal fees) that we may suffer or incur arising out of or in connection with your conduct on this Website and/or your User Content.

Miscellaneous

 

 

This Website is only intended for use by residents of the United Kingdom. We make no warranty or representation that any product or service referred to on this Website and/or any service we provide is available or otherwise appropriate for use outside of the United Kingdom. If you choose to use this Website from locations outside the United Kingdom, you do so at your sole risk and you are responsible for compliance with all applicable local laws.

If any provision of these Terms of Use is held to be unlawful, invalid or unenforceable, that provision shall be deemed deleted from these Terms of Use and the validity and enforceability of the remaining provisions of these Terms of Use shall not be affected.

These Terms of Use constitute the entire agreement between you and us relating to your access to and use of this Website and supersedes any prior agreements (including any previous terms of use of this Website).

No failure or delay by us in exercising any right under these Terms of Use will operate as a waiver of that right nor will any single or partial exercise by us of any right preclude any further exercise of any right.

Governing law

 

 

These Terms of Use and your access to and use of this Website shall be governed by and interpreted in accordance with English law. Each of you and us submits to the exclusive jurisdiction of the courts of England and Wales in connection with these Terms of Use and your access to and use of this Website (including any claims or disputes).

 

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