1.1. These terms and conditions shall govern your use of our website.
1.2. By using our website, submitting any data to our website or using any of our website services, you accept these terms and conditions in full; accordingly, if you disagree with these terms and conditions or any part of these terms and conditions, you must not use our website.
1.3. You must be at least 18 years of age to use our website; by using our website or agreeing to these terms and conditions, you warrant and represent to us that you are at least 18 years of age.
2.1. Copyright (c) 2023 Zenfco Limited t/a Health Cover UK.
2.2. Subject to the express provisions of these terms and conditions:
3.1. You may:
3.2. Except as expressly permitted by Section 3.1 or the other provisions of these terms and conditions, you must not download any material from our website or save any such material to your computer.
3.3. You may only use our website for your own personal and business purposes, and you must not use our website for any other purposes.
3.4. Except as expressly permitted by these terms and conditions, you must not edit or otherwise modify any material on our website.
3.5. Unless you own or control the relevant rights in the material, you must not:
3.6. We reserve the right to restrict access to areas of our website, or indeed our whole website, at our discretion; you must not circumvent or bypass, or attempt to circumvent or bypass, any access restriction measures on our website.
4.1. You must not:
4.2. You must not use data collected from our website to contact individuals, companies or other persons or entities.
4.3. You must ensure that all the information you supply to us through our website, or in relation to our website, is true, accurate, current, complete and non-misleading.
5.1 All financial promotions used on our website and related advertisements have been approved by Visionary Markets Ltd. Visionary Markets Ltd are authorised and regulated by the Financial Conduct Authority and are entered on the Financial Services Register (https://register.fca.org.uk/s/) under reference 710569.
6.1. Our website includes an enquiry form that you can use to request information about or quotations in respect of private medical insurance and corporate health insurance.
6.2. We may supply the information that you provide through the enquiry form to FCA authorised broker and/or selected Financial Technology (FinTech) companies that provide the introduction to the service providers. You acknowledge that some of the brokers we work with may not provide quotes from all of the insurers featured on our website.
6.3. Telephone and email enquiries that you make using the details published on our website will be directed to or passed to a supplier.
6.4. We will earn a fee in respect of each lead that we provide to a supplier.
6.5. You acknowledge that:
and accordingly, we will not be liable to you in relation to any loss or damage arising out of any use of a supplier website, any information provided by a supplier, any offer made by a supplier, or any contract with a supplier.
6.6. We are not responsible for the enforcement of any obligations arising out of a contract between you and any third party, and we will have no obligation to mediate between the parties to any such contract.
7.1. If you learn of any unlawful material or activity on our website, or any material or activity that breaches these terms and conditions, please let us know.
7.2. You can let us know about any such material or activity by email to email@example.com.
8.1. We do not warrant or represent:
8.2. We reserve the right to discontinue or alter any or all of our website services, and to stop publishing our website, at any time in our sole discretion without notice or explanation; and save to the extent expressly provided otherwise in these terms and conditions, you will not be entitled to any compensation or other payment upon the discontinuance or alteration of any website services, or if we stop publishing the website.
8.3. To the maximum extent permitted by applicable law we exclude all representations and warranties relating to the subject matter of these terms and conditions, our website and the use of our website.
9.1 Nothing in these terms and conditions will:
9.2. The limitations and exclusions of liability set out in this and elsewhere in these terms and conditions:
9.3. To the extent that our website and the information and services on our website are provided free of charge, we will not be liable for any loss or damage of any nature.
9.4. We will not be liable to you in respect of any losses arising out of any event or events beyond our reasonable control.
9.5. We will not be liable to you in respect of any business losses, including (without limitation) loss of or damage to profits, income, revenue, use, production, anticipated savings, business, contracts, commercial opportunities or goodwill.
9.6. We will not be liable to you in respect of any loss or corruption of any data, database or software.
9.7. We will not be liable to you in respect of any special, indirect or consequential loss or damage.
9.8. You accept that we have an interest in limiting the personal liability of our officers and employees and, having regard to that interest, you acknowledge that we are a limited liability entity; you agree that you will not bring any claim personally against our officers or employees in respect of any losses you suffer in connection with the website or these terms and conditions (this will not, of course, limit or exclude the liability of the limited liability entity itself for the acts and omissions of our officers and employees).
10.1. You hereby indemnify us, and undertake to keep us indemnified, against any and all losses, damages, costs, liabilities and expenses (including without limitation legal expenses and any amounts paid by us to a third party in settlement of a claim or dispute) incurred or suffered by us and arising directly or indirectly out of your use of our website or any breach by you of any provision of these terms and conditions.
11.1. Without prejudice to our other rights under these terms and conditions, if you breach these terms and conditions in any way, or if we reasonably suspect that you have breached these terms and conditions in any way, we may:
11.2. Where we suspend or prohibit or block your access to our website or a part of our website, you must not take any action to circumvent such suspension or prohibition or blocking.
12.1. Our website includes hyperlinks to other websites owned and operated by third parties; such hyperlinks are not recommendations.
12.2. We have no control over third party websites and their contents, and subject to Section 8.1 we accept no responsibility for them or for any loss or damage that may arise from your use of them.
13.1. Our logos and our other registered and/or unregistered trademarks are trademarks belonging to us; we give no permission for the use of these trademarks, and such use may constitute an infringement of our rights.
13.2. The third party registered and unregistered trademarks or service marks on our website are the property of their respective owners and, unless stated otherwise in these terms and conditions, we do not endorse and are not affiliated with any of the holders of any such rights and as such we cannot grant any licence to exercise such rights.
14.1. We may revise these terms and conditions from time to time.
14.2. The revised terms and conditions shall apply to the use of our website from the date of publication of the revised terms and conditions on the website, and you hereby waive any right you may otherwise have to be notified of, or to consent to, revisions of these terms and conditions; if you do not agree to the revised terms and conditions, you must stop using our website.
15.1. You hereby agree that we may assign, transfer, sub-contract or otherwise deal with our rights and/or obligations under these terms and conditions.
15.2. You may not without our prior written consent assign, transfer, sub-contract or otherwise deal with any of your rights and/or obligations under these terms and conditions.
16.1. If a provision of these terms and conditions is determined by any court or other competent authority to be unlawful and/or unenforceable, the other provisions will continue in effect.
16.2. If any unlawful and/or unenforceable provision of these terms and conditions would be lawful or enforceable if part of it were deleted, that part will be deemed to be deleted, and the rest of the provision will continue in effect.
16.1. A contract under these terms and conditions is for our benefit and your benefit and is not intended to benefit or be enforceable by any third party.
17.2. The exercise of the parties' rights under a contract under these terms and conditions is not subject to the consent of any third party.
18.1. Subject to Section 8.1, these terms and conditions, together with our privacy and cookies policy, shall constitute the entire agreement between you and us in relation to your use of our website and shall supersede all previous agreements between you and us in relation to your use of our website.
19.1. These terms and conditions shall be governed by and construed in accordance with English law.
19.2. Any disputes relating to these terms and conditions shall be subject to the exclusive jurisdiction of the courts of England.
20.1. This website is owned and operated by Zenfco Limited, registered address 12/F, Henley Building, 5 Queen’s Road Central, Central, Hong Kong.
20.2. You can contact us by email: firstname.lastname@example.org, or by post: Zenfco Limited t/a Health Cover UK, 483 Green Lanes, London, N13 4BS.