Legal Statement
This Legal Statement sets out the terms and conditions under which you may access and use switchit4u.co.uk. By accessing and using this website you are indicating your acceptance to be bound by these terms and conditions as set out below. The owners of www.switchit4u.co.uk reserve the right to change / update these terms without prior notice.

1. Introduction
This website, www.switchit4u.co.uk, is owned and operated by Switchit4u Ltd. switchit4u.co.uk is an online insurance and financial products resource directory and advertising medium providing free access to selected third party companies and their websites. The legal definition of our business is “introducer”. All companies hyperlinked to or otherwise advertised on switchit4u.co.uk that provides insurance or financial products are authorised and regulated by the Financial Services Authority (FSA).

2. Copyright
switchit4u.co.uk includes a combination of content created by us as well as our selected affiliate companies. All materials published on this website, including but not limited to, written content, photographs, graphics, images, illustrations, marks, logos, sound or video clips and flash animation are protected by our copyrights and / or trademarks and those of our affiliate companies. While a visitor may print or download information from this website for personal use only, switchit4u.co.uk reserves all its rights and strictly forbids any unauthorised use or distribution of the content of this website in whole or in part for any commercial purpose whatsoever. Visitors to this website must not associate www.switchit4u.co.uk directly or indirectly with any other website, product or service. Exceptions to the above are only available in writing from the site owners.

3. Terms and Conditions of use of this website and Disclaimer

(i) General - The text published on switchit4u.co.uk is for information purposes only and should not be construed in any way as advice under the Financial Services and Markets Act 2000. You are strongly advised to take appropriate professional and legal advice before purchasing any insurance or financial product or entering into any binding contracts with third party companies hyperlinked to or otherwise advertised on this website. switchit4u.co.uk does not arrange or advise on the arrangement of insurance or other financial products in the UK, we only provide information on those subjects as well as links to third party companies and their websites for your convenience. Any reliance you place on any material published on this website is entirely at your sole risk. Those third party companies may request personal details form you for the purposes of providing your insurance or financial products quotation. switchit4u.co.uk does not request such information. All third party companies hyperlinked or otherwise advertised on this website are authorised and regulated by the Financial Services Authority.

(ii) Status - switchit4u.co.uk is an online insurance and financial products resource directory and advertising medium providing free access to selected third party companies and their websites. The legal definition of our business is “introducer”. All companies hyperlinked to or otherwise advertised on switchit4u.co.uk that provide insurance or financial products in the UK are authorised and regulated by the Financial Services Authority. switchit4u.co.uk is not an insurance broker, insurance agent, insurance company or provider of any other type of financial product or service. Neither switchit4u.co.uk nor its management or employees accept any responsibility or any liability whatsoever, for the terms applying to an insurance or financial services product purchased from a third party link via this website, or for any complaints relating to those services or products. If in doubt users of this website should always seek professional advice.

(iii) Third Party Links – switchit4u.co.uk contains hypertext and image links to websites operated by third party companies and as such these websites are not owned, operated, controlled or maintained by switchit4u.co.uk. While we make every effort to ensure the websites we link to be reputable switchit4u.co.uk is not responsible for the availability, content, policies, or practices of linked websites. Links to other websites are provided for your convenience only and you access them entirely at your own risk. You should familiarise yourself with the terms and conditions of any third party websites you choose to visit. The inclusion of any third party content on switchit4u.co.uk or a link to a third party site is not an endorsement of that third party website, its products or services. switchit4u.co.uk does not recommend, sell, resell or license any of the products or services accessed via third party links and we disclaim any and all responsibility for any liability related to those products or services. Your correspondence or related activities with third parties, including payment transactions and goods delivery transactions, are solely between you and that third party. You agree that switchit4u.co.uk will not be responsible or liable for any loss or damage of any kind incurred as the result of any of your transactions with third parties. Any questions, complaints or claims related to any product or service should be directed to the appropriate third party company.

(iv) Accessibility - switchit4u.co.uk is intended for use solely by residents of the United Kingdom. Whilst every care and all reasonable steps are taken to ensure this website is always accessible we will not be held liable if, for any reason, the website is unavailable for any period. We may also have to temporarily suspend access to the website for maintenance but we will endeavour to keep any disruption to a minimum. In addition we cannot guarantee that this website will be free of viruses or defects of any description and we will not be held liable for any technical problems you may suffer as a result of your use of this website.

(v) Accuracy and Validity of Information - Whilst switchit4u.co.uk takes all reasonable steps to ensure that the information generated by ourselves and contained within this website is accurate and up-to-date, it is nonetheless supplied on an "as is" basis and accordingly we do not accept any liability whatsoever for any errors, omissions or inaccuracies. Furthermore switchit4u.co.uk does not accept any liability for errors, omissions or inaccuracies in the content provided by third party affiliate companies. If you are in any doubt as to the accuracy validity of information made available on this website we strongly recommend you seek verification by contacting us or the appropriate affiliate company.

(vi) Warranty Disclaimer - We do not represent nor make any warranty in respect of the accuracy, reliability or supply of any of the services or information presented on this website. The services and information presented on this website is for general information only and is not intended to meet your specific personal requirements. We hereby disclaim any and all warranties, express or implied, to the extent permitted by the applicable laws of the UK

(vii) General Disclaimer - To the fullest extent permitted by applicable laws of UK. switchit4u.co.uk hereby excludes liability for any claims, loss, or damages of any kind with respect to the service, information and materials given on this website including, but not limited to, direct, indirect, incidental or consequential loss or damage, whether arising from loss of profits, loss of revenue, loss of data, loss of use or otherwise, whether the possibility of such loss has or has not been notified to switchit4u.co.uk. The above shall apply whether such claims, loss or damage arises in tort, contract, negligence, under statute or otherwise.

4. Mortgages (and Secured Loans)
The mortgage and secured loan services on the Website covers both mortgages in respect of property purchases and mortgages secured on your property for a purpose other than the purchase of that property. For example, this might include a debt consolidation loan or a home improvement loan.
 
The interest rates quoted and displayed on the Website are examples of products available within the mortgage market at a given time. Neither our selection as it appears on the Website and nothing nor anything in these terms and conditions constitutes advice or a recommendation to purchase a particular mortgage product the rates are shown to provide information in respect of the possible range of mortgage deals that are available in the market. All rates are subject to the lenders terms and conditions.

The Mortgage service puts you in touch with an appropriate qualified mortgage advisor. We will consider your requirements and from the information you provide we will source our most suitable broker who will then be able to advise you of the mortgage deals that best suit your needs.

Please be aware that it is very important that before you apply for any mortgage product you carefully read the terms of the application form, the terms of the mortgage and any other relevant documentation which applies to the mortgage. You must ensure that the mortgage matches your requirements and that you agree to the terms of the mortgage before you apply for any mortgage product. We accept no responsibility whatsoever in the event that any mortgage entered into or applied for by you does not meet your requirements.

In the event that you decide to apply for a mortgage product recommended by a broker selected via the Website, the full mortgage documentation and other relevant details will be sent to you by the mortgage broker and not by us. It is the responsibility of the mortgage broker to provide all relevant documentation to you and we can accept no responsibility in the event that you do not receive the documentation requested or expected.

We receive commission and fees from certain mortgage providers who we refer you to. We retain the commission and fees and we do not charge you for the service we offer via the Website.

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.

Governing law
These terms and conditions are governed by and construed in accordance with English law. Any disputes shall be subject to the exclusive jurisdiction of the English courts, to which each party submits.

Privacy Policy
By accessing or using this Website, you agree to the terms of this Privacy Policy. We at Switchit4u are committed to respecting your privacy and we recognise the importance of the responsible use of information collected via this site. The purpose of this policy is to explain to you the nature of the information we record and store about you and the way in which it is used. We reserve the right to alter the policy from time to time at our sole discretion.

To protect your privacy, we have adopted the following principles:-

Personal Information
Switchit4u may collect personally identifiable information if we grant you a password and user id to enable you, as a client, to access particular, sensitive areas of our web site. The information we collect about you will include your name, e-mail address, date of birth, and occupation, amongst others.

You are responsible for maintaining the confidentiality of the password or account and are fully responsible for all activities that occur under your password. Switchit4u cannot and will not be held responsible for any loss or damage arising from use of your password.

Why we collect information
We retain data about you in order to:
Be able to inform you about other of our services or other relevant products, promotions and services
Update and maintain our customer records
Customise the content of our Website and assist us in improving our services to you.

Sharing your Data
Switchit4u will not sell or rent your personally identifiable information to anyone.
There may be occasions on which we pass on your details to third parties, but this will only happen where we utilise the services of a third party on your behalf, (such as an Internet Service Provider) or utility company and it is necessary for that third party to know your details.

Recording Data and Security
Your data will be stored electronically on computer systems at Switchit4u and your account information will be appropriately protected for your privacy and security.
We may record or monitor any telephone calls between us and any e-mail that you send to us for security purposes.

Data Protection Act 1998
The Data Protection Act defines the legal responsibilities of data users such as ourselves. The Act governs the collection, storage, use and transfer of personal data, for example, name, address, email, etc.

Switchit4u will seek to comply with both the spirit and the letter of the Data Protection Act.
Accuracy

Switchit4u will do its best to maintain the accuracy of the personal information you supply to us. You have the right to access and correct your personal information at any time.

Further Information
Our site may be linked to other relevant sites and where this is the case, you should be aware that this Privacy Policy will not apply to those other sites once you have entered them. Switchit4u is not responsible for the content or the privacy practices of non-Switchit4u sites.
 
Switchit4u Limited is registered with the Information Commissioner's Office under the Data Protection Act 1998. Our registration number is Z9613289. Further information on our actual registration is obtainable from the Information Commissioner's Office.