Website Terms and Conditions

This website is operated by Utilitysavingexpert.com Limited (Company No 09101695) of 105 – 107 Bath Road, Cheltenham, Gloucestershire, GL53 7LE.By using our Website, you agree to comply with and be bound by the following terms and conditions (the “T’s & C’s”) together with our Privacy Policy and any other statements referred to therein. If you do not agree to these T’s & C’s, you must not use this website or call our call centre.

We reserve the right to amend these T’s & C’s from time to time, changes will be posted on this Website. Your continued use of this Website after posting will constitute your acceptance of, and agreement to, any changes. Other services we offer may also be governed by additional or alternative terms and conditions with us, or other third parties.


Responsibilities

The content on this site is provided for general information only. It is not intended to amount to advice on which you should rely. You must obtain professional or specialist advice before taking, or refraining from, any action on the basis of the content on this site.

In particular, this Website provides a service where you may:

    We will never sell your data onto third parties.
  • obtain impartial information on Service providers of services, products, and/or goods selected by us from time to time and listed on this Website, including the services and products that those Service providers offer, and
  • facilitate a transaction (if any) between you and the Service providers for the provision of those services, products and/or goods (“Services”).
  • However, in providing our service we are not:

  • giving you any advice in respect of any Service; or
  • recommending or endorsing and Service provider or Service.
    We shall inform you of any applicable terms and conditions imposed by a Service provider in relation to the supply of its Services, and you agree to abide by these terms and conditions.
  • You also agree that:

  • we are solely providing information regarding Service providers and their Services, and you are not contracting directly with us for the provision of such Services;
  • you are responsible for transmitting all payments due to any Service provider on the terms agreed with the relevant Service provider for its Services or otherwise, and we shall have no responsibility for the transmission of payments to any Service provider; and
  • where a Service provider requires details of your credit or debit card, you shall provide us with such details (where necessary) and we may forward such details to the relevant Service provider.

Disclaimer and liability

The Website (including all content on it) is provided by us on an “as is” and “as available” basis and we make no representations, guarantees or warranties of any kind, either express or implied. In particular, without limitation, we will use reasonable care and skill to ensure that information provided to us by the Service providers in respect of their Services or otherwise is accurate, but you acknowledge that we obtain this information from third parties and we cannot, and do not, provide any representations, guarantees, and/or warranties as to quality, suitability for any purpose (including your needs), compatibility, reliability, accuracy, completeness, timeliness, access or use of information provided by any Service provider and/or is accessed or obtained by you via the Website, our call centre(s), or otherwise through using our services. In addition, we make this Website available for United Kingdom residents only and in doing so we are not making any offer or promotion of any services or products to persons not in the UK. We make no representations, guarantees or warranties that the services we offer are available or appropriate for use by those outside the UK. It is your responsibility to evaluate the quality, suitability, accuracy, completeness and reliability of this Website, information provided by any Service provider, information accessed or obtained by you through using our services, and any information or content contained therein. We accept no responsibility and make no representations, guarantees, or warranties that the Website will operate continuously, without interruptions or be fault-free. We may need to make the Website unavailable with or without notice to carry out maintenance or upgrade work. We accept no liability for any interruption or loss of service.

Nothing in these T’s & C’s excludes or limits our liability for death or personal injury arising from our negligence, or our fraud or fraudulent misrepresentation, or any other liability that cannot be excluded or limited by English law.

To the extent permitted by law, we exclude all conditions, warranties, representations or other terms which may apply to this site or any content on it, whether express or implied.

We will not be liable to any user for any loss or damage, whether in contract, tort (including negligence), breach of statutory duty, or otherwise, even if foreseeable, arising under or in connection with:

  • use of, or inability to use this site and/or our services;
  • use of or reliance on any content displayed on our site;
  • any failure or delay in any component of our site, the provision of any Service or the provision by a Service provider of its Services to any user or third party (including, without limitation, where the user has a delayed or failed switch from its current energy service provider to a Service provider and/or the user is unable to obtain the cashback, voucher, reduced price tariff, or other reward or incentive to which he or she may have otherwise been entitled from a Service provider were it not for the delay or failure);
  • any use or reliance of any information, material, software, products or services obtained through the site or otherwise through using the services we provide (including, without limitation, any information, material, software, or Services of any Service providers); or
  • any transaction or agreement between the user and any Service provider, or attempt to enter into an agreement or transaction with any Service provider, in all cases even if we have been forewarned of the possibility of such loss or damage.
  • If you are a business user, please note that in particular, we will not be liable for:

  • loss of profits, sales, business, or revenue;
  • business interruption;
  • loss of anticipated savings;
  • loss of business opportunity, goodwill or reputation; or
  • any indirect or consequential loss or damage.

If you are a consumer user, please note that we only provide our site for domestic and private use. You agree not to use our site for any commercial or business purposes, and we have no liability to you for any loss of profit, loss of business, business interruption, or loss of business opportunity.

We assume no responsibility for the content of websites linked to on this site. Such links should not be interpreted as endorsement by us of those linked websites. We will not be liable for any loss or damage that may arise from your use of them.


Indemnification

You agree to indemnify, defend and hold us and our affiliated companies, shareholders, officers, directors, employees, agents or service providers harmless from any and all claims or demands, made by any third party due to or arising out of your use of this Website or otherwise, the violation of these T’s & C’s by you, or the infringement by you of any intellectual property or other right of any other person or entity.


Viruses

We do not guarantee that the Website will be secure or free from bugs or viruses. You are responsible for configuring your information technology, computer programme and platform in order to access the Website. You should use your own virus protection software. You must not misuse the 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 the Website, the server on which the Website is stored or any server, computer or database connected to the Website.

We will not be liable for any loss or damage caused by a virus, distributed denial-of-service attack, or other technologically harmful material that may infect your computer equipment, computer programs, data or other proprietary material due to your use of our site or to your downloading of any content on it, or on any website linked to it.


Intellectual Property

We are the owner or licensee of intellectual property rights in the Website, information and content available on the Website, any database operated by us, any proprietary software utilised by us to enable you to use this Website and the underlying source code. Much of this information and content is protected by copyright, trade mark, database rights, design rights designs (including in the “look and feel” and other visual or non-literal elements), and/or other intellectual property rights (whether registered or unregistered). Our logos, together with our trademarks and/or service marks, may not be copied or reproduced without our prior written consent. All rights are reserved.

We grant you a non-exclusive, non-transferable licence to use the Software solely in executable form and only to the extent necessary for use of the Website, and for no other purpose.

You must not use an automated program (including, without limitation, any web-crawling or screen-scraping software or any equivalent technology or techniques), to access the Website for the purpose of collecting, obtaining and/or accumulating (or other similar activity) data or content in this Website. Any such use of an automated program is prohibited and shall be a breach of these T’s & C’s.

You may not reproduce, republish, transmit or distribute any material, information or content on this Website, or that form part of our services, without our prior written consent. However, you are granted a limited right to access and use the Website and our services, and retrieve, display and print content pages, for your own personal, non-commercial use and to the extent necessary for use of the Website and our services only. We reserve the right, in our sole discretion and without notice to you, to terminate your licence and to prevent future access by you to this Website.


Third Parties

This Website may contain links to third party products, services and/or websites that are not affiliated with us. We have no control over the products, services or websites of these third parties and we do not guarantee or take responsibility for them. This Website may also contain advertising from third parties and we are not responsible for any misleading or inaccurate advertisements which are the sole responsibility of the advertiser. Any links or advertisements on this Website should not be taken as an endorsement by us of any kind. Furthermore, this Website contains data provided by third parties and we accept no responsibility for any inaccuracies in this material. You agree to release us from claims or disputes of any kind arising from or in any way connected to such disputes with third parties.


Restrictions on Use

You agree not to:

  • transmit any material designed to interrupt, damage, destroy or limit the functionality of our Website;
  • use any automated software to view our Website without consent and to only access our Website manually;
  • use our Website other than for your own personal use or as an agent listing properties for sale and to rent;
  • attempt to copy our data our reverse engineer our processes;
  • use our Website in any manner that is illegal, immoral or harmful to us (including to commit or facilitate the commitment of any fraud against us or any Service provider);
  • use our Website in breach of any policy or other notice on our Website;
  • remove or alter any copyright notices that appear on our Website;
  • publish any material that may encourage a breach of any relevant laws or regulations;
  • interfere with any other user’s enjoyment of our Website;
  • transmit materials protected by copyright without the permission of the owner; or
  • conduct yourself in an offensive or abusive manner whilst using our Website.

We shall be entitled to suspend the Services and/or terminate these T’s & C’s without notice to you if you commit a breach of these T’s & C’s, and in particular these restrictions on use, which in our reasonable opinion is serious enough to merit immediate termination.

Insurance Terms and Conditions

This Website may offer to compare insurers quotes using third party technology (including home, life, health, and/or car insurance). In respect of the online insurance quote services:

  • Utilitysavingexpert.com Limited’s online Home insurance comparison service is provided by SEOPA LTD, registered in Northern Ireland No. NI46322, registered office at Blackstaff Studios, Floor 2, 8-10 Amelia Street, Belfast, Co Antrim, BT2 7GS. SEOPA LTD is authorised and regulated by the Financial Conduct Authority (FCA) (Registration number: 313860 ). By using the home insurance system you are also agreeing to SEOPA LTD Terms & Conditions and Privacy Policy.
  • Utilitysavingexpert.com Limited’s online Life Insurance comparison service is provided by SEOPA LTD, registered in Northern Ireland No. NI46322, registered office at Blackstaff Studios, Floor 2, 8-10 Amelia Street, Belfast, Co Antrim, BT2 7GS. SEOPA LTD is authorised and regulated by the Financial Conduct Authority (FCA) (Registration number: 313860). By using the Life insurance system you are also agreeing to SEOPA Terms & Conditions and Privacy Policy.
  • Utilitysavingexpert.com Limited’s online Car Insurance comparison service is provided by SEOPA LTD, registered in Northern Ireland No. NI46322, registered office at Blackstaff Studios, Floor 2, 8-10 Amelia Street, Belfast, Co Antrim, BT2 7GS. SEOPA LTD is authorised and regulated by the Financial Conduct Authority (FCA) (Registration number: 313860). By using the Car insurance system you are also agreeing to SEOPA Ltd Terms & Conditions and Privacy Policy.
  • Utilitysavingexpert.com Limited’s online Van Insurance comparison service is provided by SEOPA LTD, registered in Northern Ireland No. NI46322, registered office at Blackstaff Studios, Floor 2, 8-10 Amelia Street, Belfast, Co Antrim, BT2 7GS. SEOPA LTD is authorised and regulated by the Financial Conduct Authority (FCA) (Registration number: 313860). By using the Life insurance system you are also agreeing to SEOPA Terms & Conditions and Privacy Policy.
  • Utilitysavingexpert.com Limited’s online Motorbike Insurance comparison service is provided by SEOPA LTD, registered in Northern Ireland No. NI46322, registered office at Blackstaff Studios, Floor 2, 8-10 Amelia Street, Belfast, Co Antrim, BT2 7GS. SEOPA LTD is authorised and regulated by the Financial Conduct Authority (FCA) (Registration number: 313860). By using the Car insurance system you are also agreeing to SEOPA Ltd Terms & Conditions and Privacy Policy.
  • Utilitysavingexpert.com Limited’s online Pet Insurance comparison service is provided by SEOPA LTD, registered in Northern Ireland No. NI46322, registered office at Blackstaff Studios, Floor 2, 8-10 Amelia Street, Belfast, Co Antrim, BT2 7GS. SEOPA LTD is authorised and regulated by the Financial Conduct Authority (FCA) (Registration number: 313860). By using the Life insurance system you are also agreeing to SEOPA Terms & Conditions and Privacy Policy.
  • Utilitysavingexpert.com Limited’s online Motor Fleet Insurance comparison service is provided by SEOPA LTD, registered in Northern Ireland No. NI46322, registered office at Blackstaff Studios, Floor 2, 8-10 Amelia Street, Belfast, Co Antrim, BT2 7GS. SEOPA LTD is authorised and regulated by the Financial Conduct Authority (FCA) (Registration number: 313860). By using the Car insurance system you are also agreeing to SEOPA Ltd Terms & Conditions and Privacy Policy.

The following specific terms and conditions apply to our Car Compare insurers quotes service:

  • to obtain a quote, you will need to answer a number of questions which cover the full set of questions needed by the relevant underlying insurance Service providers and any intermediaries they may use. The answers you give to these questions will determine the amount you pay and the level of cover you receive;
  • you must get permission from any other people whose details you propose to use in requesting a quote, before you provide any of their information. This applies to all information that you provide, but especially sensitive data like health information or criminal proceedings or convictions. In submitting any other person’s details, you are confirming to us that you have their permission to do so, and that they understand how their information will be used;
  • you should take care to answer all the questions honestly and to the best of your knowledge, as this will help make sure your insurance policy is as accurate as possible and prevent it from being cancelled. It will also help ensure that any potential claim is not rejected or fully paid;
  • you should be aware that insurers exchange information through various databases to help check information provided and to prevent fraudulent claims. Specifically, Insurance Database Services Limited (IDSL) hosts the Claims and Underwriting Exchange (CUE) which holds a record of incidents reported to insurance companies by policyholders and third party claimants. Insurers may validate the information provided by you, both about yourself and about any other person named on the application, against the information held on CUE and against other databases hosted by IDSL. Insurers may use this information to consider whether to accept the risk;
  • for details relating to information held about you on the CUE please visit insurancedatabases.co.uk. You should also make any other person named on the application aware of the ways in which information on them may be used. These searches may be viewed by other companies when you apply for credit or insurance but shouldn’t harm your credit profile or adversely affect your credit profile;
  • once you have processed a quote, you can tailor your quotation to cover a range of different circumstances (for example, to amend the voluntary excess) on the results page. When you wish to accept your quotation, it is your responsibility to ensure the changes made to the results page are also made on your proposed insurance Service provider’s website;
  • in order to accept a price, you must contact the insurance Service provider directly. We will give you a direct link to their website and/or telephone number along with any identification needed to access your details. You will find all the relevant information regarding the acceptance of the product and contact details on the insurance Service provider’s website;
  • if you are buying via the insurance Service provider’s website, you must also read the insurance Service provider’s own policy, agreement, and terms and conditions. They are the terms and conditions that you agree to by buying from them and are separate from our own;
  • insurance Service providers can make certain assumptions. It is important that you check for any assumptions made as they form part of your contract and incorrect information could invalidate your insurance cover;
  • we seek to ensure that we accurately pass on the information you have provided for the purpose of providing a price comparison, however we stress that it is your responsibility to check that your details are correct on the underlying Service provider’s website; and
  • we cannot accept liability for errors made by the underlying Service provider or their intermediary or appointed representative, or answer complaints on their behalf. In such an event, we recommend you follow the guidelines provided in the Service provider’s documentation.

Other Comparison Services

This website may offer to compare both domestic and business energy using third party technology.

In respect of domestic energy comparison:

Utilitysavingexpert.com Ltd’s online home energy comparison service is provided by Energylinx Limited, registered in Scotland No. SC244794, registered office at The E-centre, Cooperage Way Business Village, Alloa, Clackmannanshire, FK10 3LP. Energylinx Limited is fully accredited to the Ofgem Confidence Code to compare energy for domestic customers. By using Utilitysavingexpert.com Limited’s home energy comparison service you are also agreeing to Energylinx Limited’s Terms & Conditions and Privacy Policy.

In respect of the commercial energy comparison:

Utilitysavingexpert.com Ltd’s online business energy comparison service is provided by Energylinx for Business Limited, registered in Scotland No. SC431929, registered office at The E-centre, Cooperage Way Business Village, Alloa, Clackmannanshire, FK10 3LP. By using Utilitysavingexpert.com Limited’s business energy comparison service you are also agreeing to Energylinx for Business Limited’s Terms & Conditions and Privacy Policy.

This Website may also offer further comparison services for a range of other Services, including, broadband, fixed line and mobile telecommunications. In respect of these further comparison services:

  • you will need to answer a number of questions which cover the full set of questions needed by the relevant underlying Service providers and any intermediaries they may use. The answers you give to these questions will determine the services which may be made available to you;
  • you must get permission from any other people whose details you propose to use in requesting a quote, before you provide any of their information. This applies to all information that you provide, but especially sensitive data like health information or criminal proceedings or convictions. In submitting any other person’s details, you are confirming to us that you have their permission to do so, and that they understand how their information will be used;
  • you should take care to answer all the questions honestly and to the best of your knowledge, as this will help Service providers make sure the Services are best suited to your needs;
  • if you are obtaining Services via the Service provider’s website, you must also read the relevant Service provider’s own policy, agreement, and terms and conditions. They are the terms and conditions that you agree to by taking the Services from the relevant Service provider and are separate from our own. It is your responsibility to ensure that the Services match your requirements and that you agree to the terms and conditions of any Service before you apply for it;
  • we seek to ensure that we accurately pass on the information you have provided for the purpose of providing a comparison, however we stress that it is your responsibility to check that your details are correct on the underlying Service provider’s website; and
  • we cannot accept liability for errors made by the underlying Service provider or their intermediary or appointed representative, or answer complaints on their behalf. In such an event, we recommend you follow the guidelines provided in the Service provider’s documentation under Complaints.

Utilitysavingexpert.com Limited’s Funeral Plan Comparison Service Providers

Utilitysavingexpert.com Limited’s online funeral comparison service and its telephone call centre service is provided by Manor Financial Limited, registered in England No. 07728991, registered office at Second Floor, Chester House, Cross Street, Sale, Cheshire, M33 7AQ. Manor Financial Limited is authorised and regulated by the Financial Conduct Authority (FCA) (Registration Number: 599430). Manor Financial Limited is also authorised by the Ministry of Justice No: 31442. By using Utilitysavingexpert.com Limited’s Funeral Plan services you are also agreeing to Manor Financial Limited’s Terms and Conditions of business and Privacy Policy.


We aim to provide an excellent standard of service, however if you feel we may have not achieved this please let us know. We take all complaints seriously, and use our best efforts to resolve these as quickly as possible. Please read our complaints procedure.

If you are not satisfied with our response to your complaint you may be able to continue your complaint:

  • if it relates to energy Services by contacting the Ombudsman Service as set out here – https://www.ombudsman-services.org/energy.html 
  • If your complaint is regarding a Service provider from which you have obtained a Service and with which we put you in touch, then you should address your complaint direct to that Service provider. You can formally raise your complaint about our services or any Services obtained online through the European Commission’s Online Dispute Resolution Portal at: https://webgate.ec.europa.eu/odr.

Governing Law

These T’s & C’s are governed by English law and the contract between you and us is made in England. Any disputes will be settled in English courts, although we may take action to enforce our intellectual property rights in any relevant jurisdiction. If any provision of these T’s & C’s is found to be unenforceable, it will be replaced with a provision reflecting the intent of the original provision.


General

The headings in these T’s & C’s are solely used for convenience only. You may not assign or delegate any or all of your rights or obligations in this Agreement. We may assign this Agreement at any time without notice to you. Our delay or failure to exercise or enforce any right or provision of these T’s & C’s shall not constitute or be construed as a waiver of such right to act. We shall not be responsible for any breach of these T’s & C’s caused by circumstances beyond our control. Nothing in these T’s & C’s shall be construed to create a joint venture, partnership, or agency relationship between you and us, and neither you or we shall have the right or authority to incur any liability, debt, or cost, or enter into any contracts or other arrangements, in the name of or on behalf of the other.


Energy Promotion Terms & Conditions

From time to time UtilitySavingExpert.Com Ltd may run promotions as incentives to switch domestic energy using Utility Saving Experts energy comparison service. Our comparison engine is provided by EnergyLinx Ltd and EnergyLinx Ltd has no obligations in relation to any promotional offers run by UtilitySavingExpert.Com Ltd, they simply provide the technology to facilitate the switch of supplier.

To qualify for a promotion, you must have used a valid promotional code at the time you conducted your energy switch, you must have conducted your energy switch online, you must not have conducted your energy switch by telephone and your energy switch must not have been cancelled within 90 days of using a promotional code.

90 days after you used the promotional code to switch suppliers, UtilitySavingExpert.Com Ltd will send you your promotional gift either by email or post. If sent by post, promotional items will be sent recorded delivery using Royal Mail. All items sent recorded delivery with a tracking code will be deemed delivered at time of sending – Proof of posting will be provided to you.

You may be required to provide confirmation of your postal address before we send any promotional items out in the post, if you are required to confirm your postal address we will contact you using the email address provided at the time of your energy switch. If you do not confirm your postal address within 14 days of our request, you will forfeit any promotional gift you may have been entitled to and the gift will be donated in its cash value to our chosen fuel-poverty charity.

If you have any further questions in relation to the Energy Promotion Terms and Conditions, please email promo@utilitysavingexpert.com

Energy Competition Terms & Conditions

From time to time UtilitySavingExpert.Com Ltd may run competitions as an incentive to switch domestic energy using Utility Saving Experts energy comparison service. Our comparison engine is provided by EnergyLinx Ltd and EneryLinx Ltd has no obligations in relation to any competition run by UtilitySavingExpert.Com Ltd, they simply provide the technology to facilitate the switch of supplier.

To qualify for entry into the competition, you must have used a valid competition promotional code at the time you conducted your energy switch, you much have conducted your energy switch online, you must not have conducted your energy switch by telephone and your energy switch much not have been cancelled within 90 days of using the competition promotional code.

As a general rule, competition winners, will not be chosen until a minimum of 200 entries have successfully been received. Winners will be chosen at random by an unrelated individual with no material interest in UtilitySavingExpert.Com Ltd.

Once a winner is chosen, we may contact the winner via email to confirm their postal address prior to sending any prizes to them. If the prize is a cash sum, we will contact the winner to confirm their bank details.

If you have any further questions in relation to the Energy Competition Terms and Conditions, please email competition@utilitysavingexpert.com


Last Updated: 23rd March 2017