Terms and Conditions

About us

Coin Publishers is a website and app and host advertiser which, amongst other things, compares the price of financial products and other services. Coin Publishers also provides web-space for third parties to compare prices for other related financial products and services and provides general information for consumers through Coin Publishers website are referred to in these Terms and Conditions as a “platform”.

We provide a service which enables you to compare a number of prices for products and services, as well as product information from the providers on our panel. This will enable you make an informed decision before proceeding to your chosen provider for further information. Coin Publishers also provides web-space for third parties to compare prices for other related financial products and services.

We do not provide financial or other advice in relation to the products or services compared, nor do we provide a recommendation or endorsement. When it comes to our providers, we don’t choose favourites. We offer impartial and independent comparison and our results are always ranked by price. Some third party brands also rely on administration and distribution services provided by Coin Publishers. These may be displayed but our approach doesn't change, we will always show the lowest price for you first.

Summary

Before using our platform, we recommend that you read all of our Terms and Conditions to ensure that you are happy with them. We suggest that you print a copy of these Terms and Conditions and keep them in a safe place for future reference.

You must only use the Coin Publishers platform for your personal use or, if a business user, for legitimate business price comparison purposes.

You must provide accurate and complete information when using this platform so that we can provide appropriate price comparison quotes. If you input incomplete or incorrect information whilst using this on the basis of that information, your comparison may be void, not fully meet your needs.

All information data and copyright material contained on this platform must not be reproduced or used without our consent.

We provide a price comparison service and where you propose to enter into a separate agreement or policy with a product provider or service provider, you should check their terms and conditions to ensure that you are comfortable with them.

These Terms and Conditions set out what you should do if you have a complaint against us or a product provider or service provider.

1.General

1.1 These Terms and Conditions apply to your use of this platform.

1.2 By using this platform you agree to these Terms and Conditions. If you do not wish to be bound by these Terms and Conditions you should not use this platform.

1.3 We may change these Terms and Conditions from time to time. We will give you notice of any changes by posting those changes on this platform. We will not vary any terms and conditions which you previously agreed whilst using this platform. However, any amended Terms and Conditions will apply to your use of this platform from the date they are posted and if you do not agree with the amended Terms and Conditions, you are entitled to stop using this platform at that time.

2.Definitions

2.1 "you" and "your" means the person who proposes to use or is using this platform.

2.2 "we" "us" and "our" means Coin Publishers is a trading name of Coin Publishers and agents, and any other person or business to whom we may legally transfer our rights under these Terms and Conditions. You are entitled to stop using this platform if we transfer our rights under these Terms and Conditions to a third party.

2.3 "platform" means either the site on the world wide web located atcoinpublishers.com or the "ghConfigSettingsProduct 'name' App" mobile application or any other mobile application that we provide. The meaning of "platform" in these terms will depend on whether you are using our website or our app.

2.4 "product or service provider" means the manufacturer, supplier, distributor or provider of any service or product advertised on this platform or made available via this platform.

2.5 "quote" means a price provided by a product or service provider for comparison with other quotes on the basis of the information you have provided. In providing you with a quote we are not able to guarantee the availability of the product, the service or the price set out as you will need to deal with the product or service provider direct to make a purchase.

2.6 “Your documents” means the online document repository service provided by us on this platform.

3.Use of this Platform

3.1 By using this platform you agree that:

3.1.1 You will not do anything that affects the integrity or security of this platform or causes or may cause harm, damage or unreasonable inconvenience to other users of this platform or us; and

3.1.2 You will not gather, extract, download, reproduce and/or display or advertise on any other platform, other online or off-line service or otherwise, any material on or from this platform, including but not limited to information relating to insurance prices, whether that information has been gained by the use of spiders, data mining, trawling or other 'screen scraping' software or system used to extract data.

3.2 If you breach any of the clauses set out at 3.1 above, we may take such action as we deem appropriate, including denying you access to this platform, bringing legal proceedings against you and disclosing such information to appropriate legal and/or regulatory bodies.

4. Your obligations

4.1 You must only use the Coin Publishers' platform for your personal use or, if a business user, for legitimate business price comparison purposes.

4.2 It is your responsibility to ensure that all information you supply to us, enter onto this platform or is supplied by us for you to review is complete and accurate, so please double-check your information before submitting it.

4.3 You will need to answer a number of questions in order to compare or obtain a quote for any product or service. These questions are designed to ensure that we and all relevant product or service providers have all of the information necessary to provide you with accurate, appropriate and timely information relating to the products and/or services in which you are interested.

4.4 If you are purchasing or using a product or service provider's website directly you should also read their terms and conditions. The product or service provider's terms and conditions will cover any transaction or agreement between you and the product or service provider, whereas these Terms and Conditions agreed with us relate only to your use of this platform.

5. Our service

5.1 We provide a service which enables you to compare a number of prices for products and services and make a decision based on those comparisons. There is no charge for this service.

5.2 We do not provide financial, investment or other advice in relation to the product or service compared, nor do we provide a recommendation or endorsement of product or service providers.

5.3 The information you give us is used by the product or service provider to formulate their quote. Therefore, it is important that you double-check all information to ensure that it is complete and accurate. We seek to ensure that we accurately pass on the information you have provided to the product or service provider for the purpose of providing a price comparison.

5.4 These Terms and Conditions and our correspondence with you will be communicated in the English language.

6. Validity of quote

6.1 We do not control the price, length of offers, or special conditions relating to comparison quotes. These are set by product or service providers. If you obtain a quote and would like to see how long it is valid for or any special conditions relating to it, please click through the links contained on our platform to the product provider or service provider's website. Product and service providers' prices, rates and offer times are updated and amended on a regular basis so our comparisons are subject to change.

6.2 In order to purchase any of the products or services described on our platform you must contact the product or service provider. When a price is shown on this platform you will also find a direct link to the product or service provider's website. The product and contact details of the product or service provider are listed on their website(s).

7. Delivery of quotes

7.1 You should receive the results of our comparison technology online. However, we rely on the availability of third party sites and general performance of the worldwide web. At certain times some or all online quotes may not be available to you due to problems with third party websites or the worldwide web.

7.2 Whilst we strive to provide as comprehensive and easy to use a service as possible, the requirements for your quote may not be met if such requirements are unusual, "non standard" or "high risk". If this is the case you should contact a provider directly to discuss your requirements.

7.3 Each product and service provider will have a different approach to the provision of their quotes and may not make quotes available for all of their products. Where you have expressed an interest in a product restricted by a product or service provider, we or the provider may contact you to assist further (provided that we or the provider continue to treat your data as confidential and comply with data protection legislation).

8. Responsibility for content

8.1 We are responsible for ensuring that we accurately reflect product or service quotes via our comparison technology. We are also responsible for statements of fact made to you by us and protecting your data in accordance with data protection legislation.

8.2 We will use our best endeavours to provide you with a quality service and virus free platform. However, we are not responsible for computer viruses or other computer related problems you suffer as a result of using this platform, which are beyond our reasonable control. We recommend that you use your own appropriate virus checking software.

8.3 We are not responsible for any commentary, opinions, ratings or other postings on this platform by third parties.

8.4 Product or service providers and third party websites are responsible for failings or errors on their websites and may have a separate duty of care to you.

8.5 You may be entitled to rights separate to these Terms and Conditions under English consumer law or other legislation.

8.6 We do not prevent or exclude our responsibility to you for death or personal injury resulting from our negligence.

9. Platform Security

9.1 You must not install or use the platform on a jail-broken or rooted device.

9.2 From time to time we may update the platform. You should always use the latest version of the platform to help ensure your account remains secure.

9.3 We may from time to time need to prevent you from using the platform or accessing your account via the platform if you are not using the latest version of the platform.

9.4 You must not share your Coin Publishers password or PIN (if applicable) with any third party.

10. Intellectual property

10.1 All information, data and copyright material contained on this platform, including any trade marks (whether officially registered or unregistered), trade names, brands, logos and devices belong to us or to people whom we have given ownership or permission to use such information data and/or copyright material. You must not use such information or copyright material unless you have written permission from us or the owner to do so.

10.2 You may download or copy the content and other downloadable items displayed on this platform for personal non business use only, (i.e. to assist with a purchasing decision), provided that you are not otherwise breaching these Terms and Conditions.

11. Privacy policy

11.1 We will comply with all applicable data protection legislation from time to time in force in respect of the personal data we collect from you and will observe the terms of our Privacy Policy.

11.2 If you decide to purchase or make further queries about a product or service through this platform you will be directed to the product or service provider's website and the information you have provided may be passed to such providers to allow them to deal with your request. Those product or service providers will be subject to their own terms and conditions and each product or service provider may have a different privacy policy from ours.

12. Third party websites

12.1 This platform contains links to websites operated by third parties. Some of those websites will carry our branding and are therefore only accessible by our customers. The operation and content of those websites are determined by those third parties and will be governed by separate terms and conditions. We do not accept responsibility or liability for the content of any third party website, as this is outside of our control.

12.2 Links are provided for convenience only and inclusion of any links should not be taken to imply endorsement in any way of the site to which it links.

12.3 You may wish to take the following steps when purchasing a product or service from a third party website:

12.3.1 Read and ensure that you understand the terms and conditions of their website and terms and conditions of any product or service you might be agreeing with them;

12.3.2 Clarify and/or check your understanding of relevant terms and conditions by seeking independent advice, for example if the proposed transaction is of significant financial value to you or your insurance criteria is particularly unique or high risk; and/or

13. Termination

13.1 We may issue a warning, temporarily suspend, permanently suspend or terminate your right to use this platform if you:

13.1.1 Substantially breach any of these Terms and conditions;

13.1.2 Infringe or violate or attempt to infringe or violate any rights of any other user(s) of this platform and/or third parties in connection with this platform; or

13.1.3 If you are using this website to commit or attempt to commit a criminal offence.

14. Jurisdiction and Enforceability

14.1 If any provision of these Terms and Conditions are held by a competent authority to be invalid or unenforceable, the remaining provisions of these Terms and Conditions will not be affected and will remain valid.

14.2 In the event of a dispute in connection with or arising out of these Terms and Conditions, English law will apply.

14.3 These Terms and Conditions will only apply as between us and you. Unless as otherwise stated in these Terms and Conditions no other person may benefit or rely upon these Terms and Conditions.

15. Complaints procedure

Service standards

We aim to provide a high standard of service to all our customers. Unfortunately, occasionally things do go wrong. When this happens, we make every effort to settle complaints quickly and fairly.

Complaints about Products and Services purchased through our web site

If your complaint is about a product or service that you have purchased via this platform, then you can complain directly to the relevant product or service provider responsible for supplying the product or service. We cannot answer complaints on behalf of a product or service provider or accept responsibility for any such complaints. We recommend that you visit the website of the product or service provider and follow their complaints procedure if you wish to make a complaint against them.

Complaints about the service provided by Coin Publishers

If you have a complaint about our service, please contact us:

By email: sales@coinpublishers.com

Complaint Response Timescales

If we resolve your complaint by close of business on the third business day following the day on which it is received, we will send you a written summary of the resolution. This will confirm that your complaint has been resolved.

If we are unable to resolve your complaint by close of business on the third business day following the day on which it is received: we will send a written acknowledgment of your complaint to you within five working days of its receipt.

By the end of eight weeks after receipt of your original complaint letter we will send you a final response or a letter explaining why we are still not in a position to issue a final response and advising you of when we expect to be able to do so.