1.1 These Terms and Conditions apply to your use of this website.
1.2 By using this website you agree to these Terms and Conditions. If you do not wish to be bound by these Terms and Conditions you should not use this website.
1.3 We may change these Terms and Conditions from time to time. We will give you notice of any changes by posting those changes on our website. We will not vary any terms and conditions which you previously agreed whilst using this website. However, any amended Terms and Conditions will apply to your use of this website from the date they are posted and if you do not agree with the amended Terms and Conditions, you are entitled to stop using this website at that time.
2.1 "you" and "your" means the person who proposes to use or is using this website.
2.2 "we" "us" and "our" means Boal & Co Limited, and any other person or business to whom we may legally transfer our rights under these Terms and Conditions. You are entitled to stop using this website if we transfer our rights under these Terms and Conditions to a third party.
2.3 "website" means a site on the World Wide Web located at www.lifebase.co.uk.
2.4 "product provider" means the provider of any product included on this website or made available via this website.
3 Use of this website
3.1 By using this website you agree that:
3.1.1 You will not do anything that affects the integrity or security of this website or causes or may cause harm, damage or unreasonable inconvenience to other users of this website or us; and
3.1.2 You will not gather, extract, download, reproduce and/or display or advertise on any other website, other online or off-line service or otherwise, any material on or from this website, whether that information has been gained by the use of spiders, data mining, trawling or other 'screen scraping' software or system used to extract data.
3.2 If you breach any of the clauses set out at 3.1 above, we may take such action as we deem appropriate, including denying you access to this website, bringing legal proceedings against you and disclosing such information to appropriate legal and/or regulatory bodies.
4 Your Obligations
4.1 You must only use the LifeBase website for legitimate business or product comparison purposes.
4.2 It is your responsibility to ensure that all information you supply to us or enter onto this website is complete and accurate, so please double-check your information before submitting it.
5 Our Service
5.1 We provide a service which enables you to compare a number of products and services.
5.2 We do not provide financial, investment or other advice in relation to the product or service compared, nor do we provide a recommendation or endorsement of product or service providers.
5.3 The information you give us is used to formulate comparisons. Therefore, it is important that you double-check all information to ensure that it is complete and accurate.
5.4 These Terms and Conditions and our correspondence with you will be communicated in the English language.
6 Delivery of Quotes
6.1 You should receive the results of our comparison technology online. However, we rely on the general performance of the World Wide Web. At certain times some or all online comparisons may not be available to you due to problems with the World Wide Web.
7 Responsibility for Content
7.1 We are responsible for ensuring that we accurately reflect life assurance products via our comparison technology. We rely on product providers in part for information on their products. We are also responsible for statements of fact made to you by us and protecting your data in accordance with data protection legislation.
7.2 We will use our best endeavours to provide you with a quality service and virus free website. However, we are not responsible for computer viruses or other computer related problems you suffer as a result of using this website, which are beyond our reasonable control. We recommend that you use your own appropriate virus checking software.
7.3 Product providers and third party websites are responsible for failings or errors on their websites and may have a separate duty of care to you.
8.1 Any user may print off a copy of any part of the copyright material contained in this website or their own personal use, subject to the following conditions:
8.1.1 The material may not be used for any external advertising or communication purposes without our prior consent in writing;
8.1.2 The copy must retain any copyright or other intellectual property notices contained in the original material;
8.1.3 The technology or processes utilised by or described in this website may be subject to other intellectual property rights (on which see the section headed "Intellectual Property" below);
8.1.4 Images on this website are protected by copyright and may not be reproduced or appropriated in any manner without the written permission of their respective owner(s);
8.1.5 No logos, trademarks or service marks appearing on the site may be printed off or copied, except as part of the text of which they form part.
9 Intellectual Property
9.1 All information, data and copyright material contained on this website, including any trade marks (whether officially registered or unregistered), trade names, brands, logos and devices belong to us or to people whom we have given ownership or permission to use such information data and/or copyright material. You must not use such information or copyright material unless you have written permission from us or the owner to do so.
9.2 You may download or copy the content and other downloadable items displayed on this website, provided that you are not otherwise breaching these Terms and Conditions.
9.3 The copies must retain any copyrights or other intellectual property notices contained in the original material
9.4 Our status (and that of any identified contributors) as the authors of material on our website must always be acknowledged.
10 Viruses, hacking and other offences
10.1 You must not misuse our website by knowingly introducing viruses, trojans, worms, logic bombs or other material which is malicious or technologically harmful. You must not attempt to gain unauthorised access to our website, the server on which our website is stored or any server, computer or database connected to our website.
10.2 You must not attack our website via a denial-of-service attack or a distributed denial-of service attack.
10.3 By breaching this provision, you would commit a criminal offence under the UK Computer Misuse Act 1990. We will report any such breach to the relevant law enforcement authorities and we will co-operate with those authorities by disclosing your identity to them. In the event of such a breach, your right to use our website will cease immediately.
10.4 We will not be liable 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, computer programs, data or other proprietary material due to your use of our website or to your downloading of any material posted on it, or on any website linked to it.
11.1 We will comply with all applicable data protection legislation from time to time in force in respect of the personal data we collect from you.
12 Third Party Websites
12.1 This website contains links to websites operated by third parties. The operation and content of those websites are determined by those third parties and will be governed by separate terms and conditions. We do not accept responsibility or liability for the content of any third party website, as this is outside of our control.
12.2 Links are provided for convenience only and inclusion of any links should not be taken to imply endorsement in any way of the site to which it links.
13.1 In order to provide you with maximum protection, we ask you to choose a password to access your data on our website. Your password is unique to you and helps us to protect your personal information. You must keep this password safe and must not disclose it to anyone.
13.2 If you forget your password simply click on forgotten password.
14.1 We may issue a warning, temporarily suspend, permanently suspend or terminate your right to use this website if you:
14.1.1 Substantially breach any of these Terms and conditions;
14.1.2 Infringe or violate or attempt to infringe or violate any rights of any other user(s) of this website and/or third parties in connection with this website; or
14.1.3 If you are using this website to commit or attempt to commit a criminal offence.
15 Jurisdiction and Enforceability
15.1 If any provision of these Terms and Conditions are held by a competent authority to be invalid or unenforceable, the remaining provisions of these Terms and Conditions will not be affected and will remain valid.
15.2 In the event of a dispute in connection with or arising out of these Terms and Conditions, Isle of Man law will apply.
15.3 These Terms and Conditions will only apply as between us and you. Unless as otherwise stated in these Terms and Conditions no other person may benefit or rely upon these Terms and Conditions.
16 Complaints Procedure
16.1 Service standards
We aim to provide a high level service to all our customers but occasionally things can go wrong. When this happens we will do everything we can to put things right and assist you.
16.2 What to do if you have a complaint?
If you have a complaint about our service, please contact us.
For the purposes of handling complaints our working day is 9am to 5pm Monday to Friday, excluding Isle of Man Bank Holidays.
Please email us at firstname.lastname@example.org and we will attempt to resolve your complaint by close of business the following working day. If we are unable to resolve your complaint, we will try and agree the next steps with you.
Please address your letter to:
Boal & Co
Isle of Man Business Park
Isle of Man
Should you wish to use an alternative means of communication, we are happy on request to correspond with you by telephone or fax.
Please include your name and address, a contact telephone number, your quote number and details of why you are unhappy. This will help us to respond to you as quickly as possible. If we do not have enough information to investigate your complaint we will try and contact you to ask for further details.
If we are unable to resolve your complaint by the close of business the next working day, we will send a written acknowledgement of your complaint to you within 5 working days of its receipt. In our acknowledgement we will advise you of the name and job title of the person who will be dealing with your complaint.
By the end of eight weeks after receipt of your original complaint letter we will send you a final response or a letter explaining why we are still not in a position to issue a final response and advising you of when we expect to be able to do so.
We cannot answer complaints on behalf of a product or service provider or accept responsibility for any such complaints. We recommend that you visit the website of the product or service provider and follow their complaints procedure if you wish to make a complaint against them.