Free To Use
Insurance & Pension Policies
Bank & Building Society Accounts

Terms & Conditions

1. Introduction

1.1 Welcome to PolicyDetective.co.uk. This site is owned and operated by Wellwood Adami Ltd. (“we”, “us” or “our”).
1.2 PLEASE READ THESE TERMS AND CONDITIONS OF USE (“Terms”) BEFORE USING OUR SITE. By using our site you are agreeing to be bound by these Terms. If you do not wish to be bound by what you read below, you should not use PolicyDetective.co.uk.
1.3 We may make changes to these Terms at any time. We will let you know what these changes are by posting them to this page, but it is your responsibility as a user to make sure that you are aware of them, by checking for any changes on a regular basis. Changes will become effective as soon as they are posted. If you continue to use our site after the posting of changes to these Terms, it means that you accept any such changes.

2. What we do

2.1 This site is all about sharing information about Insurance Policies. We provide regularly updated general information on how to track down the Administrator of your old Insurance Policy. For some companies we provide additional information about the status and benefits of your policy.

3. What we do not do

3.1 The information we provide does not address your individual requirements. In particular, our information does not constitute any form of advice, recommendation, representation, endorsement or arrangement by us and is not intended to be relied upon by you in making (or refraining from making) any specific investment or other decisions.

4. Privacy Policy

4.1 We take your privacy seriously. Please read our Privacy Policy to see how we deal with this information.

5. Links

5.1 Our site does include details on, or links through to, information provided by other websites. We do not control the accuracy or completeness of that information. You take full responsibility for using that information and verifying it and for any decision to use, purchase or refrain from purchasing any of the services or products mentioned on a linked site. If you do purchase products or services from another website please read their contract carefully before deciding to buy. Remember, your contract for those products or services will be with them, not us.
5.2 When you use other websites, any personal information you give them will be dealt with in line with their privacy polices, not ours, so please read the privacy policies of each and every such website before using them.
5.3 Some of the links included on our site are affiliated links. These are links which take you directly or indirectly to a product provider and which may result in us receiving a fee or commission as a consequence of you clicking through to their site or purchasing a product from them.
5.4 You are welcome to link to our site if you comply with the terms set out in this section and all applicable laws.
Any site or service that links to our site:
5.4.1 can display a PolicyDetective.co.uk logo but must not otherwise use any PolicyDetective.co.uk trade marks without our written consent;
5.4.2 must not remove, distort or otherwise alter the size or appearance of our logo;
5.4.3 may link only to our homepage unless we have given you our prior written consent;
5.4.4 must not in any way imply that we are endorsing it or its products or services;
5.4.5 must not misrepresent its relationship with us or present false information about us;
5.4.6 must not be a site or service that infringes any intellectual property or other right of any person or that otherwise does not comply with all relevant laws and regulations;
5.4.7 must not be a site or service that contains content that could be considered distasteful or offensive.

If you breach these terms, then we have the right to require that your link is removed and to take whatever other action we think appropriate.

6. Our content

6.1 All of the content on our site is owned by us or our licensors and is protected by UK and international copyright laws.
6.2 The content on our site includes any information or other material found on PolicyDetective.co.uk, including articles, databases, graphics, software and all other features of our site. You are allowed to use our content for personal, non-commercial use only. You may make one copy of extracts from this site on any single computer for personal, individual use only, provided that all copyright and proprietary notices are kept intact. Apart from that, none of our content may be republished, posted, transmitted, stored, sold, distributed or modified without our prior written consent.
6.3 All brand names and trade marks that appear on this site are trademarks or trade names of their respective holders. No permission is given in respect of the use of any of these brands or marks and any such use may constitute an infringement of the holder's rights.

7. Disclaimer of warranties and liability

7.1 We provide our site in good faith but we cannot and do not warrant the completeness, truth or accuracy of the information or other content or postings found on our site, or their usefulness for any particular purpose. You acknowledge and agree that you bear full responsibility for your own research and decisions and that we shall not be liable for any action that you or others take or do not take based on your use of or reliance on information provided by us or other users of this Site.
7.2 Whilst we make reasonable efforts we do not promise that your access to our site, or its content will be delivered uninterrupted, timely or error-free, or that the site will be free from viruses or other harmful properties. It is your responsibility to implement satisfactory safeguards and procedures to make sure any files you obtain through our site are free from such contaminations or other harmful properties.
7.3 The effect of what is set out here is that you agree that under no circumstances will we be held liable for any direct, indirect, incidental or other type loss or injury resulting from your use, or downloading of any content on our site.

8. Indemnity

8.1 You agree to indemnify, defend and hold harmless us, our directors, officers, employees, agents and licensors from and against any claim, liability, cost, damage or loss we may incur (including reasonable legal fees) as a result of any material that you post or transmit via our communication systems, any actions you take which disrupt access to and/or the functioning of our site or any breach by you of your obligations under these Terms.

9. General

9.1 If any of these provisions is deemed invalid, void or unenforceable that provision will be deemed severable from the rest and will not affect the validity and enforceability of any remaining provisions.
9.2 This site is directed to users in the United Kingdom.
9.3 These Terms shall be governed by the laws of Northern Ireland and any dispute between us will be resolved exclusively in the Courts of Northern Ireland.

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