Terms and Conditions (Website/Application)

Agreement

By using our website or embedded application services you are agreeing to these terms and conditions so that we can deliver to you the product cover you require.

If you do not agree to these terms and conditions, please refrain from using our website. If you are unsure about any aspect of these Terms & Conditions, please contact us at customer@jove.co

Services

Our permitted business is introducing, arranging, dealing as an agent and assisting in the administration and performance of general insurance contracts. We offer a range of insurance products and deal with a number of insurers. 

We do not make recommendations or offer advice. We ask questions in order to source suitable product(s), but you will need to make your own choice about how to proceed.

After completing a quotation via our website or embedded application, you agree that you will receive an initial email from us. This email will confirm that you have used our service and that your quotation has been saved for you. You cannot opt out of receiving this initial e-mail, you can opt out from all subsequent mailing..

Who We Are

Jove Technology Limited, 124 City Road, London, England, EC1V 2NX, is an insurance intermediary and not an insurer, our registered number is 12846957.

We are an authorised representative of Wrapper Limited who are regulated by the Financial Conduct Authority, their Firm Reference Number is 936006. Our Firm reference number is 967652.

Our FCA status can be checked on the FCA’s Register by visiting the FCA’s website http://www.fca.gov.uk/register or by contacting the FCA consumer helpline on 0800 111 6768.

Your Responsibilities

In order to get a quote through our service, you will need to answer a number of questions needed by the different underlying insurance providers. The answers you give will determine the amount you are quoted and the level of cover you receive. You must get permission from any other people whose details you propose to use in requesting a quote, before you provide us with any of their information. This applies to all information that you provide, but especially sensitive data like criminal proceedings or convictions. In submitting any other person’s details, you are confirming to us that you have their permission to do so, and that they understand how their information will be used.

It is your responsibility to ensure that all information you enter is true, accurate and complete and that you disclose all relevant and material facts. If you do not provide accurate information and disclose all relevant facts this could lead to your selected product being invalid and claims may not be paid.

We cannot be held responsible if your selected product is invalid as a result of your error in providing correct information, or from a failure to disclose all material facts to us or your selected provider.

It is important that you read the insurance company’s terms and conditions to check that you understand and agree with them before purchasing your product or service. The insurance company’s terms and conditions will not be the same as ours and they will be the terms which you will be agreeing to when accepting a quotation.

Once you have purchased a product, it is important that you read all documents issued to you by your selected provider and ensure that you are aware of any levels of cover, financial limits and any other terms that apply. Particular attention should be paid to any warranties and conditions as failure to comply with them could invalidate your policy. If any information is not correct, it is your responsibility to identify the mistake and correct this with the provider directly.

If you have any doubt about whether further information about you, which was not requested during the quotation procedure, is required to be disclosed to the insurer please contact us at customer@jove.co before you accept the quotation.

Complaints

We do our best to provide you with the highest levels of customer service at all times, however, should you wish to make a complaint you should do so with our Customer Services Manager. You can do this in writing to Complaints, Jove Technology, 124 City Road, London, EC1V 2NX, by email to complaints@jove.co detailing the nature of the complaint. 

Most complaints are resolved by close of business on the third working day after receipt. For more complex issues, an acknowledgement will be sent confirming who is dealing with the complaint and when we will expect to respond to you in full. Within 8 weeks of the date we receive a complaint we will provide you with our final decision.

If you remain dissatisfied you can refer your case to the Financial Ombudsman Service, Exchange Tower, London E14 9SR.

Telephone 0800 023 4567

Fax 020 7964 1001

Email complaint.info@financial-ombudsman.or.uk 

Web www.financial-ombudsman.org.uk 

Quote Delivery

Prices issued will be accurate at the time of issue and valid for 30 days, however should you resubmit a quote this premium may change.

Once you have received your price, we may call you to discuss your quote. Please note, Jove Technology is unable to offer advice on particular insurance providers or the services they may offer. With your permission, we may refer you to a range of specialist insurance providers which are not currently available on-line.

Liability

These terms do not exclude our liability to you in any way for: personal injury or death caused by our negligence; fraud or fraudulent statements made by one of our employees or agents or any matter for which it would be illegal for us to exclude or to attempt to exclude our liability.

In addition, we are only liable for losses which are a foreseeable consequence of us breaking this contract. Losses are foreseeable where they could be contemplated by you and us at the time your information is inputted into our quote service..

We will not be held responsible for any indirect losses which happen as a side effect of the main loss or damage which you suffer and which are not foreseeable by you and us at the time we enter into this contract, including, but not limited to: loss of income or revenue; loss of business; loss of data; loss of profits or contracts; loss of anticipated savings or waste of management or office time however arising, provided that this provision will not prevent you from bringing claims against us for loss of or damage to your physical property or any other claims for direct financial loss that are not excluded by any of the categories set out above.

In no circumstance will we be responsible for any losses which arise in connection with an event or series of events which is/are outside of our reasonable control.

Accessing our Website and Content

Access to our website is permitted on a temporary basis to find suitable insurance products from leading UK insurance providers. We reserve the right to withdraw or amend the service we provide on our website without notice, and will not be liable if for any reason our website is unavailable at any time or for any period.

If you choose, or are provided with a password or any other piece of information as part of our security procedures, you must treat such information as confidential, and must not disclose it to a third party. We have the right to disable any password if in our opinion you have failed to comply with any of the provisions of these terms of use.

We have taken every reasonable step to make sure the information contained in this website is accurate and up-to-date. However, we can accept no liability for any errors or omissions. We reserve the right to add, amend or delete information from this site at any time.

Whilst we take every reasonable step to counteract viruses and other things with infectious or destructive properties, we can give no warranty that this site and its content are free from viruses or anything else that has such infectious or destructive properties.

Intended Use

This website is for non-commercial, personal use only by UK residents (private individuals or businesses looking to source their own products and services). We reserve the right to take legal action against any individual or company who uses our website and/or services for commercial use or in any unauthorised manner. This includes (but is not limited to) breach of copyright and processing multiple quotes for other parties.

Intellectual Property Rights

We are the owner or licensee of all intellectual property rights in our website and the material published on it. This includes, but is not limited to, all logos, trade marks, service marks, domain names, database rights, business names, trading names, design rights and all other intellectual property rights in our website.

The copyright in the material contained in this website belongs to Jove Technology Limited. Any private individual may print off a copy of any part of this material for their own personal use, subject to the following conditions:

The material may not be used for any commercial purposes;

The copy must retain any copyright or other intellectual property notices contained in the original material;

Images on this website are protected by copyright and may not be reproduced or used in any manner without written permission from the owner(s);

No logos, trade marks, service marks, images, designs or graphics appearing on the site may be printed off or copied, except as part of the text of which they form part.

Reliance on Information Provided

Commentary and other materials published on our website are not intended to amount to advice on which reliance should be placed. We therefore disclaim all liability and responsibility arising from any reliance placed on such materials by any user of our website, or by anyone who may be informed of any of its contents.

Amendments to our Terms

We reserve the right to amend our terms and conditions at any time. The amended terms will be effective from the date they are posted on our website

Version History:

Version

Date

Editor

Detail of Change

Live Date:

V0.1

24/08/22

James Blake

Creation for review

n/a

-

12/09/22

James Blake

Changed Help@jove.co to customer@jove.co - removed phone number contact

n/a

V1.0

22/09/22

James Blake

V1.0 live for Soft Launch

22/09/22