Terms & Conditions

lifeinsuranceexpert.co.uk is the website of Life Insurance Expert, a trading name of Kamicom Ltd, registered in England and Wales with company number 7344936 and with its registered office at 86-90 Paul Street, London, EC2A 4NE and its primary place of business at Re:centre, Bright Building, Richmond Road, Bradford, BD7 1DP.

References in these Terms & Conditions to “we”, “us” and “our” are references to Kamicom Ltd trading as Life Insurance Expert.

Please read these Terms & Conditions carefully before using this website (“our Site”). By accessing our Site, you are deemed to accept and act in accordance with the following terms and conditions (the “Terms”). If you do not accept these Terms, please do not access or use our Site.

References in these Terms to “you”, “your” and “yours” are references to persons accessing our Site and the party or parties represented by such persons.

Information about us

All information you provide on or through our Site is controlled by us. We are registered as a data controller with the Information Commissioner’s Office under reference ZA098851.

If you have any queries about the information we hold about you, call us on 0113 460 4626.

All the products and services we provide are subject to the terms and conditions of the applicable agreement governing their use.

Our Site and the information contained on it is intended for residents of the United Kingdom. If you are viewing our Site from outside the United Kingdom, the information on our Site may not be relevant or appropriate and may not comply with the laws of the country in which you reside. If you choose to access our Site from outside the United Kingdom, you do so at your own risk and you are solely responsible for your full compliance with local laws.

You are solely responsible for your own use of our Site and the use of our Site by any person using your computer. You must ensure that any such person complies with these terms.

To use our website you must be at least 18 years of age.

You must ensure that the details provided by you when completing our application form are correct and complete.

Use of information

Neither the information nor any opinion contained on our Site constitutes an offer or recommendation to enter into any financial transaction.

Before making any decision or taking any action that might affect your personal finances or business, you should always consult a suitably qualified professional advisor.

The contents of our Site are for information purposes only and do not constitute investment, financial or professional advice and you should not rely on them to make any decisions.

Our Site changes regularly

We update our Site regularly and its contents may change at any time.

We are constantly changing and improving our services. We may add or remove functionality or features and/or we may suspend or stop a service in whole or in part at any time without notice.

While we always to try to ensure the content on our Site is up-to-date, any of that content may be out of date at any given time and we are under no obligation to update such content.

All figures and prices displayed on our Site are subject to change without notice.

Our liability TO YOU

YOU should read THIS SECTION carefully as IT excludes or limits our liability in connection with your use of our Site.

Nothing in these Terms excludes or limits any liability that cannot be excluded or limited under English law, including without limitation for death or personal injury caused by our negligence or for fraudulent misrepresentation.

These Terms do not apply to or affect our liability to you in respect of any products or services you may obtain from us using our Site and our liability to you in respect of such products or services is governed by the terms and conditions applicable to such products or services.

While we take reasonable steps to ensure the accuracy and completeness of the information displayed on our Site, we accept no responsibility or liability for

           (a)        your use of, inability to use or the results of your use of our Site;
            (b)       any errors or omissions contained in our Site; or
            (c)        the unavailability of our Site at any time or for any period.

We provide our Site on an “as is” basis. Your use of our Site and its contents is entirely at your own risk.

We shall not be responsible or liable to you for any direct, indirect or consequential:
            (a)        financial losses (including without limitation loss of income, revenues, data, profits, contracts, use, opportunity, business or anticipated savings);
            (b)       loss of goodwill or reputation; and/or
            (c)        loss or damage we could not reasonably have been expected to foresee or reasonably have expected to occur,
that you may suffer and that arises out of or in connection with any errors or omissions contained in the content displayed on our Site.

We shall not be responsible or liable to you for the accuracy, functionality or performance of any third party software we may use in connection with our Site.

We will not be responsible 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, programs, data or other proprietary material due to your use of our Site or your downloading of any material posted on it or on any linked website.

Third party websites

Links contained on our Site might lead to websites not under our control. We are not responsible for the content, privacy practices, availability or your use of any third party site.

Links on our Site are provided to you only as a convenience and we do not endorse or review any pages linked to by our Site or that may link to our Site.

Accordingly, you should read the terms and conditions of linked websites before using them and direct any questions about the linked website’s contents to the relevant website provider.

You may not and nor will you assist others to set up:
(a)        links from your own website(s) to our Site ; or
(b)        direct links (also known as “hot linking”) to any images or content on our Site,
without our prior written consent, which we may grant or withhold in our discretion.

Transmission of information is at your risk

We cannot guarantee that the transmission of information or messages sent over the internet is completely secure as there is always a possibility of interception. Therefore, any transmission of information or messages you send is at your own risk.

We shall not be responsible or liable to you for any loss, damages or costs of any nature that you suffer or incur in connection with or arising out of any transmission of information or message you send to us or we send to you or the alteration, interception or misuse of such information or message.

When we receive your information or message, we use strict procedures and security measures to try to prevent unauthorised access. You must keep security information, such as PIN numbers or passwords, secure at all times. We will never ask you for this information and you should not disclose it to any third parties.

If you receive any email or other request for such information, you should delete it immediately and should not respond.

If you think you may have disclosed any of your security information, you must inform us immediately.

Viruses, hacking and other offences

You must not misuse our Site by knowingly introducing viruses or other malicious or technologically harmful material. You must not attempt to gain unauthorised access to our Site, the server on which our Site is stored or any server, computer or database connected to our Site. You must not attack our Site via a denial-of-service attack or a distributed denial-of service attack.

If you breach this provision, you would be committing a criminal offence. We will report any such breach to the relevant law enforcement authorities and will fully co-operate with those authorities by disclosing your identity to them.

If you breach this provision, your right to use our Site will cease immediately and permanently and we reserve our right to recover damages from you for the full costs (including without limitation legal fees) we incur in putting right any damage your actions cause and any business, income and/or profit we lose as a result of your actions.

Intellectual property

All intellectual property rights in our Site and its content and all software and source codes connected with our Site are owned by or licensed to us unless otherwise noted.

You may print, copy, download or temporarily store extracts from our Site for your personal information or when you use our products and services. You must not, however, alter anything. Any other use is prohibited unless you get our prior written consent. You may not republish, retransmit, redistribute, sell, modify or deal in any way with or otherwise make such information or pages available to any other party without our prior written consent.

Other than as provided above you may not use or reproduce our trade marks, logos or brand names.

Governing law and disputes

These Terms and any dispute or claim arising out of or in connection with them or your use of our Site (including non-contractual disputes or claims) are governed by the laws of England.

The English courts will have exclusive jurisdiction over any dispute or claim arising from or related to these Terms or your use of our Site (including non-contractual disputes or claims) unless you reside in Scotland, Wales or Northern Ireland, in which case you may choose to bring any proceedings in the courts of your country of residence.

Information about you and your visits to our Site

Please read our privacy policy for information on how we collect and use your personal information.

How to contact us

If you would like further information in connection with anything on our Site or want to make a complaint, please call us on 0203 297 7008.

Alternatively, you can fill in our contact form.

Finally, you can contact us via our postal address: Kamicom Ltd, Re:centre, Bright Building, Richmond Road, Bradford, BD7 1DP.