Terms and Conditions
These Terms and Conditions apply to the entire contents of the website quobi.co.uk, which provides a platform for UK residents and Business Owners / Director to make an enquiry to get insurance quotes.
By using this website, you accept these Terms and Conditions, regardless of whether you make an enquiry or get a quote through us.
These Terms and Conditions are issued by Garfield Stephens Ltd, the owner and operator of quobi.co.uk, registered in the UK , with company registration number 09468745.
quobi.co.uk is an online service, and these Terms and Conditions apply to your use of this website. Please read these Terms & Conditions in conjunction with quobi.co.uk's Privacy Notice, which forms part of these conditions.
quobi.co.uk shall be entitled to use any information you provide (including personal data) in accordance with these Terms and Conditions and Privacy Notice.
Jurisdiction This website is intended for use only by those who can access it from within the United Kingdom. Nothing within it or these Terms and Conditions constitutes an offer or promotion of services or products to persons outside the United Kingdom.
We do not make any warranty or representation that the services we offer are available or appropriate for use by those outside the UK.
Using this website You must use this website for personal use or, if a business user, for the purpose of getting a quote or information relating to your purchase of business products or services.
It is your responsibility to ensure that any information you supply to us or enter onto this website is complete and accurate. Double-check your information before submitting it.
If you get a quote, you’ll need to answer several questions designed to ensure that we and all relevant brokers, product or service providers have the necessary information to provide accurate, appropriate, and timely information related to the products and/or services you are enquiring about.
Answer all questions truthfully and fully to the best of your knowledge, as the level of cover and the amount you pay is determined by the answers you provide. Failure to provide complete and accurate information may void any insurance product purchased and/or result in additional premiums.
If you make a purchase or use a broker, product or service provider directly, you should also read their terms and conditions. Their terms and conditions will cover any transaction or agreement between you and them, whereas these Terms and Conditions agreed with us relate only to your use of this website and provision of our services.
Our Services quobi.co.uk provides quotations or estimates and introductions to relevant third parties. This website helps you choose a product that suits your needs. We do not provide any advice or recommendations to purchase a product or service.
We will process your enquiry and introduce you to an FCA-authorised broker, who can advise and make a recommendation after assessing your needs for relevant life insurance, keyperson insurance, executive income protection, shareholder protection, business loan protection and Business Insurance.
We accept no liability for the terms applying to an insurance contract entered into with any broker, product, or service provider or complaints arising directly from your insurance product purchased.
For avoidance of any doubt, we do not sell any insurance products directly. We do not provide financial advice. We gather information and share this with an FCA-authorised broker who will look to gain quotations from a range of insurers. It is then up to you to arrange and choose suitable cover with the FCA-authorised broker who will attempt to contact you.
Payment for our services You will not be charged for the use of this website. We receive a referral fee from the Broker whether you take a policy out through them or not.
Governing law All information we supply will be in English. English law applies to the services we provide, and the courts of England have non-exclusive jurisdiction to settle any disputes about our services. Any action arising out of this website shall be determined by the English Courts.
Complaints We aim to provide excellent service. If you are unhappy with the service we provide, or if you want to complain about this website, please contact us by email at chris@quobi.co.uk.
Copyright, licenses, and website content We may change, alter, replace, amend or remove any part of the service at quobi.co.uk's absolute discretion at any time.
The entire contents of this website, including trademarks, trade names, brands, and logos, belong to us or those who have given us permission to use such information and/or copyright. They are protected by international copyright and trademark laws. You may not modify, copy, reproduce, republish, upload, post, transmit, or distribute material from the website, including data, text, graphics, code, and/or software.
You are permitted to print and download or copy content for personal, non-business use only, provided no documents or related graphics are modified and no copyright or proprietary notices are changed or deleted, and you are not otherwise breaching these Terms and Conditions.
When using this website, you agree not to:
- Affect the integrity or security of this website or cause harm, damage, or unreasonable inconvenience to other users or quobi.co.uk.
- Gather, extract, download, reproduce, and/or display or advertise material from this website on any other website or service, including information relating to insurance prices, using spiders, data mining, trawling, or other 'screen scraping' software or systems used to extract data.
If you breach any of these Terms and Conditions, we may deny you access to this website, bring legal proceedings against you, and disclose information to appropriate legal and/or regulatory bodies.
You acknowledge that quobi.co.uk does not guarantee that files available for download will be free of infection or viruses, worms, Trojan horses, or other code with contaminating or destructive properties. You are responsible for implementing sufficient procedures and checkpoints to satisfy your requirements for data accuracy and for maintaining an external means to reconstruct any lost data.
We do not warrant that the service will be uninterrupted or error-free or that defects in the service will be corrected.
Accuracy and validity of information While we take reasonable steps to ensure that the information on this website is accurate and up-to-date, it is supplied on an 'as is' basis. We do not accept liability for any errors or omissions. We do not make any express or implied warranties or endorsements with regard to the service, merchandise information, or service provided through the service or on the internet generally, and quobi.co.uk shall not be liable for any cost or damage arising directly or indirectly from any such transaction. It is your responsibility to evaluate the accuracy, completeness, and usefulness of all opinions, advice, services, merchandise, and other information provided through the service or on the internet generally. If you doubt the validity of information made available by us, seek verification by contacting us.
Links to and from other websites We may provide links from this website to other websites. The responsibility for the operation and content of those websites rests solely with the organisation identified as controlling the third-party website and is governed by separate terms and conditions. We are not responsible for the availability of such websites, and quobi.co.uk does not endorse or have responsibility for them. If you access any third-party website linked to our website, you do so at your own risk.
Liability This website has been carefully built, but unintentional omissions or errors may exist. While we take reasonable steps to maintain an uninterrupted and error-free service, we will not be held liable if the website is unavailable for any period. If we suspend access to the website for routine or emergency updates and maintenance, we will endeavour to minimize disruption. We make no representations or warranties that use of the service will be uninterrupted or error-free and cannot accept responsibility for interruption or unavailability of service or any errors or omissions. We cannot warrant that this website will be free of viruses or defects, and we will not be held responsible for any technical problems you may suffer as a result of using this website.
quobi.co.uk, or any other party (whether involved in creating, producing, maintaining, or delivering the website), and any of the operating company’s group companies and their officers, directors, employees, shareholders, or agents, exclude all liability and responsibility for any loss or damage that may result to you or a third party, including any direct, indirect, punitive, or consequential loss or damages, or any loss of income, profits, goodwill, data, contracts, use of money, or loss or damages arising from or connected to business interruption, and whether in tort, contract, or otherwise in connection with the website or the use, inability to use, or results of the website, including but not limited to loss or damage due to viruses that may infect your computer equipment, software, data, or other property on account of your access to, use of, or browsing the website or downloading any material from the website or linked websites.
Changes quobi.co.uk may modify these Terms and Conditions from time to time, and such modifications shall be effective immediately upon posting of the modified version on the website. The current version of these Terms and Conditions supersedes any previous versions.