Below, we've highlighted the key points that you should be aware of when using our platform. Please note that the Summary serves merely as an overview and do not substitute the full Terms and Conditions. For a comprehensive understanding of our services and your use of CoverMe123, we strongly advise you to read the complete Terms and Conditions thoroughly. It’s also a good practice to print and keep a copy for your records.

Partnership and Advisory Role

COVERME123 operates in collaboration with Lake District Mortgages to facilitate a smooth transition from your initial inquiry to the expert advice you need. While COVERME123 is the first touchpoint for customers seeking guidance, all advice and final service provisions are directly handled by the expert adviser at Lake District Mortgages. This partnership ensures that while COVERME123 manages the lead generation, the advice you receive comes from an authorised and qualified adviser.

Usage

CoverMe123 is a facilitator, connecting individuals and businesses with expert advisers who specialise in insurance products such as life insurance, whole of life insurance, critical illness cover, income protection, and buildings and contents cover. We do not provide price comparison or financial advice ourselves; our service is designed to help you find a suitable financial advisor for your insurance needs.

Accuracy of Information

It is vital that the information you provide to us is accurate and complete. This ensures that the expert advisers we connect you with can offer the most appropriate advice and insurance solutions. Inaccurate or incomplete information could lead to unsuitable advice or insurance product offerings.

Eligibility

The service of CoverMe123 is available exclusively to UK residents seeking insurance comparisons and advice. We do not cater to individuals outside of the United Kingdom, and our Terms and Conditions are not applicable to such individuals.

Intellectual Property

All materials, data, and content on the CoverMe123 platform, except for the brand logos of external companies, are the property of CoverMe123 and are protected by copyright laws. Usage of any content without our explicit consent is strictly prohibited.

Lead Generation

CoverMe123 provides a lead generation service only. Once we connect you with an expert adviser, any subsequent agreements or policies you enter into are between you and the expert adviser or the insurance provider they recommend. We encourage you to carefully review the expert adviser's and insurance provider's terms and conditions to ensure you agree with them.

Complaints and Disputes

Should you have any complaints regarding our service, or the services provided by an expert adviser or insurance provider we've recommended, please refer to our full Terms and Conditions for detailed procedures on how to address these concerns.

CoverMe123 is an online lead generation service that connects individuals with an expert adviser for the purpose of obtaining personalised advice and comparisons on a range of insurance products. Our platform is designed to facilitate the initial step in the insurance selection process by identifying a qualified expert adviser who can assist with life insurance, whole of life insurance, critical illness cover, income protection, and buildings and contents insurance.

CoverMe123 acts as a conduit between you and an experienced expert adviser, providing the necessary tools to bridge the gap to professional advice. We understand the importance of making informed decisions about insurance coverage, which is why we've streamlined the process to connect you with those who can help.

While CoverMe123 does not directly compare prices or offer financial products, our role is pivotal in assisting you to find an expert adviser who will provide comparisons and detailed product information from various providers. This approach ensures that you are well-informed before proceeding to engage with your chosen expert adviser for further details and advice.

It is crucial to note that CoverMe123 does not provide financial advice, make recommendations, or endorse any particular advisers or insurance providers. Our commitment is to impartiality; we provide a neutral platform that allows you to initiate contact with expert advisers who have the expertise to cater to your insurance needs.

COVERME123 LTD is registered in England and Wales (Company number 15390034) and our registered address is 71-75 Shelton Street, Covent Garden, London, United Kingdom, WC2H 9JQ.

By accessing and using the CoverMe123 service, you agree to the following terms:

Integrity and Security

You commit to conducting yourself in a manner that upholds the integrity and security of this platform. You shall not engage in any activities that could harm, damage, or cause unreasonable inconvenience to the platform, other users, or CoverMe123 itself.

Prohibited Activities

You are expressly prohibited from gathering, extracting, reproducing, or displaying content from the CoverMe123 platform for any commercial purpose, including advertising or reselling.

Consequences of Misuse

Should you violate any part of these terms, particularly those outlined in this section, CoverMe123 reserves the right to take actions we deem appropriate to the situation. This may include restricting your access to the platform, initiating legal proceedings against you, or disclosing information about your activities to legal or regulatory authorities as required.

By using the CoverMe123 platform, you acknowledge that you understand these terms and agree to abide by them in order to facilitate a secure and reliable environment for all users.

Provision of Information

Following Up with the Adviser

Security and Misuse

As CoverMe123 merely facilitates the initial contact between you and the expert adviser, our responsibilities to you are limited to:

We are not responsible for:

Our liability to you in connection with any service provided by CoverMe123 is strictly limited to direct damages and in no event will we be liable for any loss of profit, loss of business, business interruption, or loss of business opportunity.

CoverMe123's role is as a conduit between you and the expert adviser; we do not participate in any subsequent interactions or transactions between you and the adviser. As such, we assume no liability for any further engagement beyond the connection facilitated by our platform.

If you have any questions about your responsibilities when using our service or the extent of our responsibilities to you, please contact us for clarification.

CoverMe123 is intended for the use of individuals residing in the United Kingdom. The content and services provided on this platform are tailored to comply with UK regulations and are not directed at or intended for use by individuals outside of this region. We make no claims that our platform or any of its content is accessible or appropriate outside of the UK.

If you, as a user, choose to access and use CoverMe123 from locations outside the UK, you are responsible for compliance with local laws and regulations, and you do so on your own initiative and at your own risk. We provide no warranty or representation that our services are suitable for use in other locations or comply with non-UK legal or regulatory requirements.

Please be aware that by using our services from outside the UK, you may be subject to different levels of protection or may be subject to additional risks not present within the UK. It is your responsibility to ascertain and obey all applicable laws in regard to the use of our services from your current location.

Purpose of Referral

Our platform serves as a conduit to connect you with an expert adviser who is capable of providing professional advice tailored to your individual circumstances.

Scope of Service

We do not offer financial guidance, quotes, or advice directly. Our service is limited to referring you to professionals who can provide such services.

Adviser Responsibility

The validity, accuracy, and relevance of the advice given are the responsibility of the independent expert adviser to whom we refer you. We are not responsible for the guidance provided during or after your engagement with them.

User Discretion

You are under no obligation to act on any advice given by the expert adviser. It is at your discretion to consider their guidance and make informed decisions.

No Ongoing Validation

As we do not provide the advice ourselves, we cannot offer any validation, warranty, or guarantee regarding the advice you receive from the expert advisers.

Adviser Credentials

We ensure that the expert adviser we refer to you is a verified professional; however, it is your responsibility to review their qualifications and decide on their suitability to your needs.

Initiation of Referral

Once you indicate interest in obtaining financial advice, our platform will facilitate your referral to the expert adviser.

Contact Information Sharing

We will provide your contact information to the expert adviser, who will then reach out to you to set up an initial consultation or to provide further assistance.

Adviser Outreach

The expert adviser will contact you directly. The method and timing of this contact will depend on the individual adviser’s processes and the preferences you’ve indicated.

No Obligation to Proceed

There is no obligation for you to engage with the expert adviser or to proceed with any services offered by them.

User Preparation

You should prepare any necessary financial documentation or questions you may have for the expert adviser to ensure a productive discussion.

Adviser Follow-Up

Any subsequent communication, including the delivery of advice or quotes, will be managed by the expert adviser in accordance with their own protocols.

Service Quality

We strive to uphold a high level of service for all users of our platform. We acknowledge that, on occasion, there may be instances where things do not go as planned. In such cases, we are committed to resolving issues promptly and equitably.

Complaints about Financial Advisory Services Accessed through Our Platform

Should you have a complaint regarding the financial advisory services to which we have connected you, please direct your concern to the specific financial adviser or their firm. Our role is to facilitate the connection to an expert adviser, and as such, we cannot respond to complaints pertaining to the services they provide. We are unable to accept responsibility for any complaints regarding these services. It is advised that you contact the expert adviser directly or follow the complaint procedure provided by their service.

Complaints about Our Referral Service

If you have a complaint about our referral service, please reach out to us in the following ways:

By email:

Send your concerns to us at [email protected].

Please provide your name, a contact email address, and detail the nature of your complaint. If possible, include any relevant reference numbers or additional contact information. The more details you can provide, the better equipped we will be to address your concerns swiftly. If we require further information to investigate your complaint, we will get in touch with you to ask for it.

We are committed to protecting your privacy and ensuring the security of your personal data. We adhere to all applicable data protection regulations in place regarding the collection, use, and storage of your personal data. For a complete description of how we handle personal information, please refer to our detailed Privacy Policy.

When you express interest in or decide to pursue a service through our platform, we may facilitate the transfer of the information you have provided to the respective expert adviser or service provider. This is done to enable them to address your inquiry or to assist you in the service you have selected. Please note that these external providers operate under their own terms and privacy policies, which may differ from ours. We recommend that you review the privacy policy of any service provider you are directed to before proceeding.

By using our platform, you agree that your information may be transferred in this way. You are encouraged to familiarise yourself with our Privacy Policy, which provides further details on how we manage and protect your personal data and outlines your rights in relation to this data.

See our Privacy Policy here.

We hold the ownership or the right to license all intellectual property on our platform, including, but not limited to, trademarks, logos, business names, trading names, design rights, database rights, copyrights, and any other forms of intellectual property, with the exception of the brand logos of external companies.

You are permitted to print, download, or store content from our platform on the following conditions:

Should you infringe upon our intellectual property by printing off, copying, or downloading any part of our platform's content against these terms, your right to use our platform will terminate immediately. You will then be required, based on our discretion, to return or destroy any copies of the materials you have made.

The following terms govern your use of our platform:

By accessing and using our services, you acknowledge and agree to be legally bound by the terms outlined herein, as well as by our Privacy Policy and Cookie Policy. If you do not accept these terms and associated policies, you must not use our platform.

We reserve the right to modify or amend these terms and the content of the policies mentioned without prior notification. It is your responsibility to review them regularly to stay informed of any changes.

In the event that any provision of these terms is determined to be unlawful, void, or for any reason unenforceable, then that provision shall be deemed severable and shall not affect the validity and enforceability of the remaining provisions.

These terms, together with our Privacy Policy and Cookie Policy, constitute the entire agreement between you and our platform, superseding all prior agreements and understandings, whether established through electronic, oral, or written communications.

The laws of England and Wales govern these terms, and you consent to the exclusive jurisdiction of their courts for any disputes arising from or related to your use of our platform.