Terms and Conditions

The terms and conditions set out below detail how www.bestmedicalcover.co.uk can be used. If the Bestmedicalcover.co.uk website hereinafter referred to as ‘the website’ is used, you are agreeing to be bound by these terms and conditions. If you do not accept any of the terms and conditions stated below, you should not use the website. By using the website, you undertake that you are aged 18 years or older.

Bestmedicalcover.co.uk is an online information source for medical insurance. Bestmedicalcover.co.uk provides a free medical insurance quote search service. It is owned by eSmart Media Ltd.

Alterations to these terms and conditions can be made on occasion and once published, these alterations will become immediately effective.

eSmart Media Ltd makes no guarantees and is not responsible for:

• The accuracy of the content of any third party material that appears on the BestMedicalCover.co.uk website (this includes content that may or may not be identified by BestMedicalCover.co.uk as third party material)
• The quality of any third party services that may be featured on the BestMedicalCover.co.uk website
• The content of any third party website that links from the website

Any financial information featured on the website or accessed via a link from the website is not considered to be financial advice from eSmart Media Ltd. eSmart Media Ltd is not authorised by the Financial Services Authority (FSA) regarding financial products and should not be regarded as a financial advisor.

Any issues that may arise from contact or communication with third parties accessed from the website are not the responsibility of eSmart Media Ltd.

Any entry into a third party’s terms and conditions are wholly separate to the terms and conditions undertaken when using bestmedicalcover.co.uk. We recommend when entering into a third party’s terms and conditions, independent advice is sought. Also before entering into any agreement with a third party we recommend that you read the terms and conditions of the third party. eSmart Media Ltd is not liable for any loss or damages that arise from the advice or the contract between the third party and person applying for a quote via bestmedicalcover.co.uk.

Should eSmart Media Ltd receive commissions as a result of your use of third party services accessed from the website, it in no way indicates an exclusive partnership or agency relationship with that third party. eSmart Media Ltd offers a free service.

Intellectual Property

The copyright and intellectual property (IP) rights of all of the material published on the website; website design; corporate identity; text and graphics; and all software compilations, source code and software belong to eSmart Media Ltd. All rights are reserved.

Permission must be secured prior to the reproduction or redistribution of material from the website. Single printouts can be made for personal, non-commercial use. Adaptations or alterations to content from the website in addition to unauthorised links are also not permitted.

eSmart Media Ltd owns the rights to Bestmedicalcover.co.uk. All other company names and products belong to their respective owners.

Information from the website must not be used for illegal or immoral use.

Liability Obligations

eSmart Media Ltd does all it can to ensure data on the website is accurate and endeavours to immediately correct any inaccuracies as soon as the company is made aware of them. To the extent allowed by law, eSmart Media Ltd is not responsible for inaccuracies published on the website.

eSmart Media Ltd does not validate, monitor or endorse any third party information submitted to the website and as such, this information could be inaccurate. eSmart Media Ltd does not validate, monitor or endorse the data or quotations collected from third parties as presented to you on the search results page.

eSmart Media Ltd is not responsible for any harmful effect on technology that may result from using the website nor does eSmart Media Ltd give any warranty that the website is free from viruses. In addition, eSmart Media Ltd is excluded from liability should any losses or claims occur as a result of your inability to access the website, or from any use of the website or reliance on data published on the website to the extent permitted by law.

Nothing stated within these terms and conditions excludes or limits our liability for fraud or excludes or limits our liability under the FSMA (Financial Services and Markets Act 2000).

eSmart Media Ltd excludes liability for any loss or damage of any kind arising without limiting any direct, indirect, disciplinary or significant loss. eSmart Media Ltd shall have no liability to pay any money by way of compensation.

Termination of Agreement

Should any of the terms and conditions stated be breached, eSmart Media Ltd has the right to terminate the agreement and immediately remove, cancel or suspend access to and use of the website.

All disclaimers, indemnities and exclusions stated within these terms and conditions shall survive termination of the agreement between us for any reason.

eSmart Media Ltd is not liable for failure to undertake any obligation under this agreement if failure results from events out of its control, including without limitation Internet/telecoms outages, fire, flood, war and acts of God.

General Information

The website must not be used for business purposes.

Should any provision of the agreement be held unlawful or invalid, that provision shall be deemed severed. Where relevant, the validity of the remaining provision of the agreement will not be affected.

Should eSmart Media Ltd not enforce any provision of this agreement, such will not be considered a waiver of any provision or right.

Use of the website and these terms are subject to the laws of England which shall exclusively govern the interpretation, application and effect of all the above permissions, exclusions, licenses and conditions of use and shall be construed in accordance with the laws of England and the parties submit to the exclusive jurisdiction of the English courts.