Terms of Use

Read or submit reviews

Welcome to the InsureClever website. If you continue to browse, read reviews and/or submit reviews on this website or otherwise access the website in any way you are agreeing to comply with and be bound by the following terms and conditions of use, which together with our privacy policy govern InsureClever’s relationship with you in relation to this website.

The term ‘InsureClever’ or ‘us’ or ‘we’ refers to the owner of the website whose registered office is as outlined in the footer of this page.  The term ‘you’ refers to the user or viewer or other form of accessor of our website. The use of this website is subject to the following terms of use:

  • The content of the pages of this website is for your  information and use only. It is subject to change without notice.
  • Neither we nor any third parties provide any warranty or guarantee as to the accuracy, timeliness, performance, completeness or suitability of the information and materials found or offered on this website for any particular purpose.
  • You acknowledge that such information and materials may contain inaccuracies or errors and we expressly exclude liability for any such inaccuracies or errors to the fullest extent permitted by law.
  • Your use of any information or materials on this website is entirely at your own risk, for which we shall not be liable. It shall be your own responsibility to ensure that any products, services or information available through this website meet your specific requirements.

This website contains material which is owned by or licensed to us. This material includes, but is not limited to, written reviews, insurance company ratings, insurance company rankings, algorithms, the design, software code, layout, look, appearance and graphics. Reproduction is prohibited other than in accordance with the Copyright Notice, which forms part of these terms and conditions.

Writing Reviews

When you write a review on InsureClever or otherwise give InsureClever permission to use a review, you are agreeing that the review is non-confidential and non-proprietary and you are agreeing to give InsureClever a licence (which is non-exclusive, royalty-free, perpetual, transferable, irrevocable and fully sublicensable) to use, reproduce, modify, adapt, translate, distribute, publish, create derivative works from and publicly display such reviews. You also agree that InsureClever can use the name that you submit in connection with your review and you acknowledge that InsureClever may choose to provide attribution of your reviews at our discretion.

You further grant InsureClever the right to pursue at law any person or entity that violates your or InsureClever’s rights by a breach of this agreement with regard to a review that you have made. The person who writes the review can repeat or copy their review elsewhere. However, you cannot repeat or copy other reviews that you have not written. To be clear, to do so would be to breach our copyright. When writing a review, or otherwise giving InsureClever the right to publish a review, you warrant that all information supplied by you is true, accurate, current and complete.

If somebody disagrees with the content of a review and would like to contest it, they should contact InsureClever via the contact form page with details of why they consider the review should be edited or removed. Reviews will not be edited or removed simply because a company does not does not want the review, or aspects of the review, to remain in the public domain. However, if a company disputes issues within the review (e.g. issues of fact) we will do our best to check these issues via contact with the reviewer and if we are not satisfied with our enquiries, we will (at our discretion) edit reviews or remove reviews from the site.

As well as containing reviews that are unique to this site, we occasionally include reviews that people have put into the public domain. In these cases we make our best effort to contact the person who has made the review and ask them to verify it by adding it to this website and so agreeing to these Terms of Use but there may be occasions where reviews are included from the public domain without direct contact with the reviewer. In these cases, the terms of this agreement and our licensing of the review still apply.

Copyright Notice

The content and information on this website (including, but not limited to, reviews, other written messages, numeric scores, data, information, text, photos, graphics, video, icons, software, code or other material), as well as the infrastructure, research methods and ranking approach (including scoring) used to provide such content and information, is proprietary to InsureClever. You agree not to modify, copy, distribute, transmit, display, perform, reproduce, publish, license, create derivative works from, transfer, or sell or re-sell any information, software, products, or services obtained from or through this website.

Additionally, you agree not to:

  • Use this website or its contents for any commercial purpose.
  • Monitor or copy any content, particularly reviews but also any other information of this website using any robot, spider, scraper or other automated means or any manual process for any purpose without our express written permission.
  • Deep-link to any portion of this website for any purpose without our express written permission.
  • Frame and/or “mirror” or otherwise incorporate any part of this website into any other website without our prior written authorisation.
  • Attempt to modify, translate, adapt, edit, decompile, disassemble, or reverse engineer any software programs or algorithms in connection with the website or the services.

All trade marks reproduced in this website which are not the property of, or licensed to, the operator are acknowledged on the website.

Unauthorised use of this website or any of its content may give rise to a claim for damages and/or be a criminal offence.

From time to time this website may also include links to other websites. These links are provided for your convenience to provide further information. They do not signify that we endorse the website(s). We have no responsibility for the content of the linked website(s).

Liabilty Disclaimer

Reviews on this website consititue the views of the individuals who write them and not the views of InsureClever. Reviews and other information published on this website may contain inaccurate information. InsureClever, it’s Directors and employees do not guarantee the accuracy of any information on the website and disclaim any liability for any errors or other inaccuracies relating to reviews or other content and cannot be held liable for the use of this information. Neither the listing of insurance companies on this website nor recommendation or non-recommendations by individuals constitute recommendations or non-recommendations by InsureClever and you use the information at you own risk.

Indemnity

You agree to defend and indemnify InsureClever its affiliates and any of their directors, employees and agents from and against any claims, causes of action, demands, recoveries, losses, damages, fines, penalties or other costs or expenses of any kind or nature including but not limited to reasonable legal and accounting fees, brought by third parties as a result of your breach of this agreement or the documents referenced herein; your violation of any law or the rights of a third party; or by your use of this website.

Your use of this website and any dispute arising out of such use of the website is subject to the laws of the Courts of England and Wales.