Tread Carefully ^©
Life Insurance Comparisons

Navigating Life Insurance

thorough advice for cautious people

What do we do exactly?

Unfortunately, it is a fact of life that many are already paying too much for their life insurance or critical illness cover.

We help you in your decision as to which life insurance policy is the most suitable for you and your circumstances. Your FSA registered independent financial adviser will assist you in choosing an appropriate policy.

TERMS AND CONDITIONS

HEADINGS

Headings are for reading convenience only and are not to be used in the interpretation of this agreement.

Please note that the content of this site is for informational purposes only and does not constitute financial advice. Please seek the help of a financial professional when buying life insurance.

YOU DO NOT PAY US A FEE

There's no charge for us investigating your life insurance policy and you are under no obligation to follow any recommendations that are made. By using a broker's service you will get advice that is normally paid for by the life insurance provider. You will not have to pay them a fee as your broker will receive a commission payment direct from the recommended life insurance company.

To reiterate, if you buy a financial product, the broker will normally receive commission on the sale from the insurance product provider. Although you pay nothing up front, that does not mean the service is free. You still pay indirectly through product charges. Product charges pay for the product provider’s own costs and any commission. If you buy direct, the product charges could be the same as when buying through an adviser, or they could be higher or lower. We'll tell you how much the commission will be before you buy your life insurance, but you may ask for this information earlier. If you would however prefer to work on a fee basis, this can be arranged with your broker.

USE OF SITE

Use of the Tread Carefully Life Insurance Comparisons ("we", "us", "TreadCarefully.co.uk") website ("the site") constitutes acceptance of the Tread Carefully Life Insurance Comparisons Website User Agreement ("the agreement") and Terms of Use ("terms"). The user of the site ("you") represent that you have read and understood these terms and agree to be bound by them.

If you do not agree to all the terms and conditions on this page, please do not use this website. Use of any internal or external links on the Tread Carefully Life Insurance Comparisons website constitutes acceptance of the terms on this page. If you do not agree with these terms, please exit this site by closing the browser window.

The terms "Tread Carefully Life Insurance Comparisons", "TreadCarefully.co.uk" encompass the Tread Carefully Life Insurance Comparisons Internet Site and Marketing Communications.

PERSONAL DETAILS AND DATA PRIVACY

The personal details which you submit to us (Personal Data) are held by the Tread Carefully Life Insurance Comparisons website owners and Knightwood Financial Solutions Limited for their own use. It is your responsibility to ensure that your Personal Data is accurate and up to date and to inform us of any changes that need to be made. Tread Carefully Life Insurance Comparisons may use the Personal Data for the purposes they have notified to the Office of Information. By submitting your Personal Data you CONSENT to it being processed by Tread Carefully Life Insurance Comparisons.

DATA PROTECTION

I/we confirm that I/we have the consent of any 3rd party whose details I/we may disclose to Tread Carefully Life Insurance Comparisons ("You") to disclose such details and to authorise You and the third parties referred to in the paragraph below to process such details for the purposes of assessing my/our application and administering and enforcing any subsequent financial service which may be granted to me/us.

I/we agree that You and any advisor resulting from this application (the "advisor") shall be entitled to use and process, by any medium, the information given by me/us in this enquiry form and any other information about me/us which may be acquired during the lifetime of any enquiry ("the Data") for the following purposes:-

i. to provide the Data to and search the files of one or more credit reference or fraud prevention agencies whether before, or during the lifetime of any financial service granted to me/us by the advisor, who will keep a record of such search, to confirm the Data, and for the purposes of credit assessment or account administration. I/we understand that You and /or the advisor will record false or inaccurate information if this is given by me/us and fraud is suspected.

ii. to disclose the Data to any other company within the advisor's group of companies and/or to any third parties (for example, debt counsellors and insurers) at any time for the purposes of assessing my/our application and administering and enforcing any subsequent financial service whether during the course of my/our application or during the lifetime of any financial service granted pursuant to such application;

iii. to disclose the Data to any 3rd party who replaces or who may replace my/our adviser.

PREVENTION OF MONEY LAUNDERING

The advisor and other organisations may use and search the records of credit reference or fraud prevention agencies to check your identity to prevent money laundering, unless you have furnished other satisfactory proof of identity.

RIGHT OF SUBJECT ACCESS

Information held by us will be processed only for purposes for which we have registered under the Data Protection Act. Upon you making a request in writing we will provide you with a copy of the information which we hold concerning you on payment of a fee.

COPYRIGHT NOTICE

GOVERNING LAW

Any such contract will be interpreted, construed and enforced in all respects in accordance with the laws of England, and you and Tread Carefully Life Insurance Comparisons irrevocably submit to the non-exclusive jurisdiction of the English Courts.

This agreement is governed by English law and all disputes will be handled solely in the United Kingdom. English Courts will have jurisdiction in respect of it. You consent to such venue and jurisdiction. The Tread Carefully Life Insurance Comparisons website is controlled and operated from offices in the United Kingdom and makes no representations or warranties that its content or use is legal in other locations.

TRANSPARENCY

Tread Carefully Life Insurance Comparisons is an independently owned website that acts as an advertising and marketing vehicle to attract passive enquiries (from people that are proactively searching for Life Insurance using search engines or directories on the internet) and pass on such enquiries for a fee (but free to the searcher) to financial services providers. As such, the owners, webmasters and marketing professionals of this website are unable to offer financial advice. Information on this site does not constitute regulated financial advice and is intended only to provide general personal financial information. You should always consult a financial adviser before making any financial decision. Responsibility rests with the broker to comply with the relevant regulating authorities.

Any information contained on the website does not form the basis of any contract. Business or financial decisions should not be based solely on the information contained within this website. Tread Carefully Life Insurance Comparisons UK is not responsible or liable for any financial service obtained through a 3rd party. A Life Insurance enquiry from this website does not constitute an offer to provide Life Insurance.

Please note that this is an independent marketing website and we do not sell or recommend financial products or financial services. We simply pass on your enquiry to financial service providers and therefore cannot offer advice. We are paid by the broker on an enquiry basis.

AVAILABILITY OF SERVICE

We do not warrant or guarantee that the Tread Carefully Life Insurance Comparisons website will be uninterrupted or error-free.

LINKS AND SITE CONTENT

We do not make any warrant or guarantee, either expressed or implied as to the accuracy, validity, completeness, suitability, reliability, or currency of any information content within its site or sites to which it is linked to. Links to other websites are provided solely as a resource guide and do not represent an endorsement or guarantee, either expressed or implied. The Tread Carefully Life Insurance Comparisons website does not assume any liability for any of the products, services, or data of any other sites. The Tread Carefully Life Insurance Comparisons website is a facilitator of links to the content of other sites and as such has no editorial control over the content of such linked sites. It is the responsibility of the user to evaluate the information, opinion, advice, or other content contained within the site. We cannot be held responsible or liable for any loss or damage due to reliance on information obtained through the Tread Carefully Life Insurance Comparisons website.

INDEMNITY

In order to use this site you must agree to be legally bound and to abide by the terms and to indemnify and hold the operators of the Tread Carefully Life Insurance Comparisons website harmless from all alleged or actual damages, claims and expenses relating to any warrant, guarantee or representations made by the individual service providers featured within this website or linked websites. This also includes, without limitation, attorney's fees. The use of this site for any reason is deemed to be an agreement of this condition.

DISCLAIMERS

Bearing in mind that this is a free "public access" site, it is a condition of use of the site and the materials in it that use is at the user's own risk. We give no representation or warranty as to the accuracy of the content of the site and assume no responsibility for errors or omissions in it or the effect it has upon your computer. We disclaim all liability in respect of such information and its provision. Neither Tread Carefully Life Insurance Comparisons nor any of the site's administrators, editors or contributors shall be liable for any loss or damages suffered as a result of any use of the site, including but not limited to direct loss, consequential loss and loss of profits. We do not assume, and therefore disclaim, any liability for any loss or damage caused by errors or omissions.

Tread Carefully Life Insurance Comparisons is provided on an "as is" and "as available" basis. We shall not be liable for any direct, indirect, incidental, special, or consequential damages. This includes, without limitation and even if we are advised of the possibility thereof, any damages for loss of goodwill or any and all other commercial damages or losses including loss of profit, that result from the use of, or inability to use Tread Carefully Life Insurance Comparisons. Personal information sent to Tread Carefully Life Insurance Comparisons UK is at the senders own risk.

INFORMATION INDEMNITY

The user agrees not to rely on any information obtained from the Tread Carefully Life Insurance Comparisons website and indemnifies us from mistakes, omissions, errors, interruptions, delays of service or performance, defects, harmful components, viruses and bugs, howsoever caused.

SEVERANCE

If a term, covenant, provision, or condition of this agreement becomes, or shall be held by any court of competent jurisdiction to be against public policy or illegal, all remaining provisions of this agreement shall remain in full force and effect and unaffected, impaired or invalidated by this decision. The invalidated item shall be modified by the parties to the full extent possible to carry out all the intentions and directives stated in this agreement.

VARIATION

Whilst it is not our intention to do so, the operators of the Tread Carefully Life Insurance Comparisons Website reserves the right to change its policies and terms at any time. Any such changes will be posted on this page.

We do not assume, and therefore disclaim, any liability for any loss or damage caused by errors or omissions.

Tread Carefully Life Insurance Comparisons is not associated with other companies who own similar sounding names. Also, please not that life insurance is also commonly known as life assurance and life cover.

If you do not agree to all the terms and conditions on this page, please do not use this website. Use of any internal or external links on the Tread Carefully Life Insurance Comparisons website constitutes acceptance of the terms on this page. If you do not agree with these terms, please exit this site by closing the browser window.

Ensure you make the right decision

Choose the correct life insurance

Be prepared for a big surprise when you compare life insurance providers. The difference in cost between the highest and lowest life cover can be dramatic. Consider how much extra you might pay if you don't get the right advice... and worse, what if you end up with the wrong cover.

Check that you won't overpay for your life insurance now...

A qualified and FSA registered broker will help you discover a suitable life insurance policy and compare prices between companies. Please complete the FREE no-obligation, confidential enquiry below. Your privacy is important to us, we do not share your contact details.


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