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 Talk to the Market - Terms and Conditions

Terms and Conditions

The following terms and conditions detail how www.talktothemarket.com can be used. If the Talk to the Market website hereinafter referred to as 'T2TM' 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 T2TM. By using the T2TM, you undertake that you are aged 18 years or older and is a UK resident.

T2TM is an online information source for life insurance. T2TM provides a free life insurance quote search service.

T2TM is a data capture site and provides access to FCA authorised consultants who will provide users with life insurance and protection insurance quotations and comparisons. T2TM is remunerated for the purpose of data capture and only via FCA authorised firms and not via commission from insurance providers.

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

T2TM makes no guarantees and is not responsible for:

  • The accuracy of the content of any third party material that appears on T2TM (this includes content that may or may not be identified by T2TM as third party material).
  • The quality of any third party services that may be featured on T2TM.
  • The content of any third party website that links from the website.

You may be able to link to third party websites by means of hyperlinks published on this website or emailed to you as part of our service. These websites are owned and operated by third parties. We accept no liability for any statements, information, products or services that are published on or may be accessible through third party websites.

Any entry into a third party's terms and conditions are wholly separate to the terms and conditions undertaken when using T2TM. We recommend when entering into a third party's terms and conditions, independent advice is sought.

Should Talk to the Market receive commissions as a result of your use of third party services accessed from the website, it in no way indicates an exclusive partnership with that third party. Talk to the Market offers a free service.

The copyright and intellectual property (IP) rights of all of the material published on T2TM; website design; corporate identity; text and graphics; and all software compilations, source code and software belong to Talk to the Market. All rights are reserved.

Information from T2TM must not be used for illegal or immoral purposes.

Talk to the Market attempt to ensure that all data on T2TM is accurate and endeavours to immediately correct any inaccuracies as soon as the company is made aware. Talk to the Market does not validate, monitor or endorse any third party information submitted to T2TM and such, this information could be inaccurate. Talk to the Market does not validate, monitor or endorse the data or quotations collected from third parties as presented to you on the search results page.

In addition, T2TM is excluded from liability should any losses or claims occur as a result of your inability to access T2TM, 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).

Should any of the terms and conditions stated be breached, T2TM 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.

T2TM 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.

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 T2TM not enforce any provision of this agreement, such will not be considered a waiver of any provision or right.

Talk to the Market's sales process covers all points of the Distance Marketing Directive, as outlined by the Financial Conduct Authority. Should you want more information on this, you can Visit the FCA Website for more information.

We do not provide life insurance advice. We search our panel of insurers for the best possible insurance applicable to your circumstances. If you are in any doubt as to whether you should take out life insurance cover, we recommend you seek independent financial advice.

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.

Talk to the Market, The Talking Comparison Site is a registered trademark of Talk to the Market Ltd which is authorised and regulated by the Financial Conduct Authority (FCA) for insurance mediation activity under firm reference number 583413. You may check this on the FCA register by visiting the FCA website, or by contacting the FCA on 0800 111 6768. Talk to the Market Limited is registered in England and Wales (Company No. 07792686). Registered office: 31-33 Commercial Road, Poole England BH14 0HU. Copyright 2011-2013

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