Terms and conditions of use
These Terms (together with the documents referred to in it) tell you the terms on which you may make use of our website anorak.life and any services that we provide to you through our website including any mobile version or app (our website), whether as a guest or a registered user. Use of our website includes accessing, browsing, or registering to use on any of our website.
Please read these Terms carefully before you start to use our website, as these will apply to (i) your use of our website; (ii) our services; and (iii) your relationship with certain third parties. We recommend that you print a copy of this for future reference. We may make changes to these Terms from time to time and you should regularly review this page.
By using our website, you confirm that you accept these Terms and that you agree to comply with them. Registration as a user of Anorak includes your agreement that these Terms will apply to your use of our website. If you do not agree to these Terms, you must not use our website.
Other applicable terms
These Terms refer to the following additional terms, which also apply to your use of our website:
- Our Privacy & Data Policy, which sets out the terms on which we process any personal data we collect from you, or that you provide to us. By using our website, you consent to such processing and you warrant that all data provided by you is accurate.
- Our Terms of Advice, which sets out the terms on which we provide our regulated advice to registered customers.
Information about us
anorak.life is a site operated by Anorak Technologies Limited trading as Anorak (Anorak, we or us or our). We are a company registered in England and Wales (company number 10854345) and our registered address is 24 Old Queen Street, London, SW1H 9HP. You should write to us at Anorak Technologies, 60 Gray's Inn Road, London, WC1X 8AQ or email us at firstname.lastname@example.org.
Anorak is a trading name of Anorak Technologies Limited, which is authorised and regulated by the Financial Conduct Authority (FCA) – reference number: 843798. You can find further details on the FCA’s Financial Services Register.
What do we do?
We are permitted to advise on and arrange (bring about) deals in non-investment and general insurance contracts.
We help you understand your requirements for life insurance products (such as term life, income protection & critical illness) with personalised advice by carefully and selectively using personal, financial, third-party and open source data. Based upon the information you give us, we may provide you with recommendations about specific policies and insurers that are tailored to your needs, or we may direct you to specific products which we feel might be better suited to your objectives and needs. We may also follow up any recommendations provided online with an email informing you of your protection needs, as well as a phone call to discuss your needs directly with an Anorak adviser. This means we act as an insurance intermediary. We do not provide or underwrite any insurance ourselves.
Fees, charges and our remuneration
You do not have to pay Anorak any fees to use our services. When you buy a policy through us, the insurer will pay us a commission for the services we have provided. Further information can be obtained on request.
Details of any other fees or charges that you may be obliged to pay (for example administration charges or cancellation fees) are determined by the insurer, not us, but will be clearly set out before you commit to buying any policy.
GENERAL TERMS APPLYING TO OUR WEBSITE
Accessing our website
We do not guarantee that our website, or any content on it, will always be available or be uninterrupted. Access to our website is permitted on a temporary basis. We may suspend, withdraw, discontinue or change all or any part of our website without notice. We will not be liable to you if for any reason our website is unavailable at any time or for any period.
You are responsible for making all arrangements necessary for you to have access to our website.
You are also responsible for ensuring that all persons who access our website through your internet connection are aware of these Terms and other applicable terms and conditions, and that they comply with them.
You must be at least 18 years old to access the services on our website.
Changes to our website
We may update our website from time to time, and may change the content at any time. However, please note that any of the content on our website may be out of date at any given time, and we are under no obligation to update it.
We do not guarantee that our website, or any content on it, will be free from errors or omissions.
In what territories can you use our website?
Our website is only directed to people residing in the United Kingdom. We do not represent that content available on or through our website is appropriate, available or otherwise approved for distribution in other locations. We may limit the availability of our website or any service or product described on our website to any person or geographic area at any time. If you choose to access our website from outside the United Kingdom, we will not be able to provide you with any advice.
Intellectual property rights
We are the owner or the licensee of all intellectual property rights in our website (including the “look and feel” of it), and the material published on it. Those works are protected by copyright and trademark laws and treaties around the world. All such rights are reserved.
You may print off one copy, and may download extracts, of any page(s) from our website for your personal use and you may draw the attention of others within your organisation to content posted on our website.
You must not modify the paper or digital copies of any materials you have printed off or downloaded in any way, and you must not use any illustrations, photographs, video or audio sequences or any graphics separately from any accompanying text.
Our status (and that of any identified contributors) as the authors of content on our website must always be acknowledged.
You must not use any part of the content on our website for commercial purposes without obtaining a licence to do so from us or our licensors.
If you print off, copy or download any part of our website in breach of these Terms, your right to use our website will cease immediately and you must, at our option, return or destroy any copies of the materials you have made.
You must not:
- disassemble or attempt to reverse engineer any software in our website, except as permitted by law;
- copy, distribute or communicate to the public content from our website or seek to copy, remove or alter any regulatory notices, trade marks, logos or business names from our website; or
- use a program or application to generate quotes or to scrape, copy or index the content from our website;
- use or launch automated systems such as bots, spiders or load testers that access or attempt to access our website or services.
Anorak is a registered trademark.
No reliance on information
Although we make reasonable efforts to update the information on our website, we make no representations, warranties or guarantees, whether express or implied, that the content on our website is accurate, complete or up-to-date.
Third party links and resources in our website
Our website contains links to other sites and resources provided by third parties. We have no control over the contents of those sites or resources and they will be governed by separate terms and conditions. We do not accept responsibility or liability for the content of any third-party website, including whether or not any financial promotion is clear, fair and not misleading, as this is outside our control.
You should ensure that you understand the regulatory notices, terms and conditions and privacy policies of any third-party website which you might be agreeing to.
Limitation of our liability
Nothing in these Terms excludes or limits our liability for death or personal injury arising from our negligence, or our fraud or fraudulent misrepresentation, or any other liability that cannot be excluded or limited by English law.
To the extent permitted by law, we exclude all conditions, warranties, representations or other terms which may apply to our website or any content on it, whether express or implied.
We will not be liable to any user for any loss or damage, whether in contract, tort (including negligence), breach of statutory duty, or otherwise for losses that:
- were not foreseeable to you and us when this contract was formed, or
- that were not caused by any breach on our part, or
- business losses, or
- losses to non-consumers
arising under or in connection with:
- use of, or inability to use, our website
- any delay in execution, or a change or fluctuation in a market or currency, or
- use of or reliance on any content displayed on our website.
You agree not to use our website for any commercial or business purposes, and we have no liability to you for any loss of profit, loss of business, business interruption, or loss of business opportunity.
We will not be liable for any loss or damage caused by a virus, distributed denial-of-service attack, or other technologically harmful material that may infect your computer equipment, computer programs, data or other proprietary material due to your use of our website or to your downloading of any content on it, or on any website linked to it.
We assume no responsibility for the content of websites linked on our website. Such links should not be interpreted as endorsement by us of those linked websites. We will not be liable for any loss or damage that may arise from your use of them.
We do not guarantee that our website will be secure or free from bugs or viruses.
You are responsible for configuring your information technology, computer programmes and platform in order to access our website. You should use your own virus protection software.
You must not misuse our website by knowingly introducing viruses, trojans, worms, logic bombs or other material which is malicious or technologically harmful. You must not attempt to gain unauthorised access to our website, the server on which our website is stored or any server, computer or database connected to our website. You must not attack our website via a denial-of-service attack or a distributed denial-of service attack. By breaching this provision, you would commit a criminal offence under the Computer Misuse Act 1990. We will report any such breach to the relevant law enforcement authorities and we will co-operate with those authorities by disclosing your identity to them. In the event of such a breach, your right to use our website will cease immediately.
Linking to our website
You may link to our home page, provided you do so in a way that is fair and legal and does not damage our reputation or take advantage of it.
You must not establish a link in such a way as to suggest any form of association, approval or endorsement on our part where none exists.
You must not establish a link to our website in any website that is not owned by you.
Our website must not be framed on any other site, nor may you create a link to any part of our website other than the home page.
We reserve the right to withdraw linking permission without notice.
If you wish to make any use of content on our website other than that set out above, please contact email@example.com.
We may allow you, and other users, to post content to publicly available areas of our site, such as a blog. If you do you are responsible for that content and grant to us a perpetual, worldwide, non-exclusive, royalty-free, sub-licensable and transferable licence to use, reproduce and create derivative content, in whole or in part and in any format and through any media channel, including social media.
You are not allowed to post any content that is libellous, defamatory, indecent, obscene, pornographic, harassing or otherwise offensive (in our opinion). You must not post content which would infringe the proprietary rights of any other person.
You must not abuse our facilities by soliciting for donations, signatures, sales or business opportunities or advertising or promoting any goods or services. You should respect other user’s privacy and must not copy personal or business information or attempt to contact any other user directly without their consent.
You agree we can edit for clarity, or delete, any content.
Your indemnity to us
You shall indemnify and hold harmless us, and our directors, employees and partners against all claims and expenses attributable to any breach of these terms by you.
If we provide you with, or sell to you, any digital content on our website you may have certain rights under the Consumer Rights Act 2015, including a right to cancel an order. You will not be able to cancel an order for digital content once a download has commenced. We will acknowledge orders by email but in certain circumstances we do not have to accept an order. All digital content will only be provided in English. If we are unable to resolve any dispute with you, you may use the online dispute resolution (ODR) platform. The ODR platform only relates to additional services we may agree to supply and is not applicable to your use of our website generally.
Changes to these Terms
We may modify these Terms from time to time in accordance with this clause and the current terms will always be posted on our website, including the last revision date. Accessing our website after any change is deemed acceptance of those changes.
We may, without limitation, amend these Terms:
- in order to comply with applicable laws or regulations;
- to reflect a change in our regulatory status and any consequential amendments that may result from us having to comply with the FCA Rules from time to time;
- to make these Terms fairer or clearer, or to correct mistakes;
- to reflect changes in the way that third parties provide services to us or interact with you through Anorak;
- to enable us to make changes to our own services as we develop our technology and the things that we may decide to offer to you.
If we propose a change that is detrimental to registered users we will give 30 days’ notice of those proposed changes (unless we are obliged to make the change sooner for legal or regulatory reasons) but otherwise we may make such changes immediately.
These Terms, its subject matter and its formation, are governed by English law. You and we both agree that the courts of England and Wales will have exclusive jurisdiction in relation to any proceedings.
Terms relevant to our services
Your Anorak account
If you choose, or you are provided with, a user identification code, magic link, password or any other piece of information as part of our security procedures, you must treat such information as confidential. You must not disclose it to any third party.
We have the right to disable any user identification code or password, whether chosen by you or allocated by us, at any time, if in our reasonable opinion you have failed to comply with any of the provisions of these Terms.
If you know or suspect that anyone, other than you, knows your account credentials you must promptly notify us at firstname.lastname@example.org.
How we will communicate with you
You agree that all communications that we may need to send to you may be sent electronically and agree that Anorak has no obligation to send communications in paper form. We may send you information and notices through our website (which includes our app) or email you at the primary email address listed in your account profile. Other than in respect of the service of legal proceedings we are not obliged to receive paper correspondence from you and if you do wish to contact us you should email email@example.com or use any contact or chat functions that we may make available from time to time.
Our account information services
If you expressly authorise us to access financial transaction data, directly or through identified third parties we will do this on your behalf as your agent. To do so, you will need to provide your bank or institution your authority to allow us (or an identified third party) to directly access specified information from your accounts on a ‘read only’ basis. Alternatively, you may securely provide to us (or an identified third party) your security credentials so that we may connect to your accounts. This would ordinarily comprise your user name, password and/or other information (such as answers to challenge questions or one-time-passcodes), We will always identify ourselves to your bank or institution.
You allow us to access your data content for the purposes of providing our services to you. By submitting your security credentials and other content to us through the Website, you represent that you are entitled to provide the authority to access your account data.
When you connect an account to Anorak (a Connected Account), you authorise and permit us to configure our services with those third-party sites, collect information about your account transactions and present this to you through the creation of new or modified content in order to help you understand your financial data.
We do not check the accuracy of that information nor whether it is up to date. Accordingly, we make no warranty that our account information services will be uninterrupted, timely or error free; or that the information presented (including any transaction categorisation by Anorak) will be accurate or reliable.
Save in respect of regulated advice, our services are provided on an “as is” basis and we make no representation or warranty, express or implied, in respect of our services or the information provided to you as to fitness for any particular purpose or otherwise.
Terms applying to our services generally
For purposes of these Terms, and solely to our services to you as part of our service, you grant us a limited power of attorney to access third party sites, retrieve and use your information with the full power and authority to do and perform each thing necessary in connection with such activities, as you could do in person. You acknowledge and agree that when we access and retrieve account information from third party sites, we act as your agent, and not as the agent of or on behalf of the third party.
For more information on how we protect the information you submit to use please see our Security Statement and our Privacy & Data Policy.
Terms relevant to partner services
We check our partners are regulated for the services that they provide but you may wish to check the entity you are dealing with is properly regulated, for example in the United Kingdom by the Financial Conduct Authority. You can do this by checking the Financial Services Register on the FCA’s website.
The terms on which you access our partners’ products or services are subject to that partner’s terms and conditions. We cannot guarantee that any advertisement for a product, service, rate or reward will be available on the advertised terms. If you obtain a quote through our website it may not be the lowest rate or the best terms available in the market.
You acknowledge that Anorak may allow a third-party partner access to personal information about you (such as your identity) and/or your data as may be required for the interoperation of such partner applications with Anorak. However, Anorak shall not be responsible for any disclosure, modification or deletion of your data resulting from any such access by those partners.
You understand and agree that our website is not sponsored or endorsed by any third parties accessible through the website.