Terms of use

PLEASE READ THESE TERMS OF USE CAREFULLY BEFORE USING THIS SITE

What’s in these terms?

These terms tell you the rules for using our website polly.co.uk (our site).

• Who we are and how to contact us.
• Acceptance of terms.
• Making changes to these terms.
• Making changes to terms.
• We may suspend or withdraw our site.
• We may transfer this agreement to someone else.
• Our site is only for users in the United Kingdom.
• You must keep your account details safe.
• How you may use material on our site.
• No text or data mining, or web scraping.
• Rules about linking to our site.
• Trade marks.
• Uploading content to our site.
• Do not rely on information on this site.
• We are not responsible for websites we link to.
• We are not responsible for viruses.
• You must not introduce viruses.
• Our responsibility for loss or damage suffered by you.
• How we may use your personal information.
• Which country’s laws apply to any dispute.
• Alternative dispute resolution

Who we are and how to contact us

Polly.co.uk is a site operated by Candid Insurance Services Limited (We). We are registered in England and Wales under company number 07279489 and have our registered office at 920 Hempton Court, Aztec West, Bristol BS32 4SR, which is also our main trading address. Our VAT number is 160484711

We are an Insurance Broker regulated by the Financial Conduct Authority (FCA) with reference 603273.

To contact us, please email hello@polly.co.uk.

Acceptance of Terms

By using our site, you confirm that you accept these terms of use and that you agree to comply with them.

If you do not agree to these terms, you must not use our site.

These terms of use refer to the following additional terms, which also apply to your use of our site:

Our Privacy and Cookies Policy which can be accessed here: https://www.polly.co.uk/privacy/ which explains how we collect, use and store your personal data and which provides information about the cookies on our site.

If you purchase an insurance policy from us, the Terms and Conditions of the policy will apply to your rights and obligations under that policy.

Making changes to these terms

We amend these terms from time to time. Every time you wish to use our site, please check these terms to ensure you understand the terms that apply at that time. We may make changes to our site. 

We may suspend or withdraw our site

Our site is made available free of charge.

We do not guarantee that our site, or any content on it, will always be available or be uninterrupted. We may suspend or withdraw or restrict the availability of all or any part of our site for business and operational reasons. We will try to give you reasonable notice of any suspension or withdrawal.

You are also responsible for ensuring that all persons who access our site through your internet connection are aware of these terms of service and other applicable terms of service, and that they comply with them.

We may transfer these Terms of Use to someone else

We may transfer our rights and obligations under these terms to another organisation. We will always tell you in writing if this happens and we will ensure that the transfer will not affect your rights under the contract.

This site is only for users in the UK

Our site is directed to people residing in the United Kingdom. We do not represent that content available on or through our site is appropriate for use or available in other locations. 

You must keep your account details safe

Please keep any login or account details safe and do not disclose them to a 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 of service.

If you know or suspect that anyone other than you knows your user identification code or password, you must promptly notify us at hello@polly.co.uk.

How you may use material on our site

We are the owner and/or licensee of all intellectual property rights in our site, and in the material published on it. Those works are protected by copyright laws. All such rights are reserved.

You may download extracts, of any page(s) from our site for your personal use and you may draw the attention of others to content posted on our site.

You may not republish material from this website; sell, rent or otherwise sub-license material from this website; show any material from the website in public or redistribute material from this website except for content specifically and expressly made available for redistribution;.

You must not modify the digital copies of any materials you have 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 site must always be acknowledged (except where the content is user-generated).

You must not use any part of the content on our site for commercial purposes without obtaining a licence to do so from us or our licensors.

If you print off, copy, download, share or repost any part of our site in breach of these terms of service, your right to use our site will cease immediately and you must, at our option, return or destroy any copies of the materials you have made (except that you are permitted to print off a copy of these terms of service).

No text or data mining, or web scraping

You shall not conduct, facilitate, authorise or permit any text or data mining or web scraping in relation to our site or any services provided via, or in relation to, our site for any purpose. This includes using (or permitting, authorising or attempting the use of):

• Any “robot”, “bot”, “spider”, “scraper” or other automated device, program, tool, algorithm, code, process or methodology to access, obtain, copy, monitor or republish any portion of our site or any data, content, information or services accessed via the same.
• Any automated analytical technique aimed at analysing text and data in digital form to generate information [or develop, train, fine-tune or validate AI systems or models] which includes but is not limited to patterns, trends and correlations.

The provisions in this clause should be treated as an express reservation of our rights in this regard, including for the purposes of Article 4(3) of the Digital Copyright Directive ((EU) 2019/790).

By continuing to access, view or make use of our site , you hereby warrant and represent to us that you are located in a territory permitted to do so.

Rules about linking to our site

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 site in any website that is not owned by you.

Our site must not be framed on any other site, nor may you create a link to any part of our site other than the home page.

We reserve the right to withdraw linking permission without notice.

If you wish to link to or make any use of content on our site other than that set out above, please contact hello@polly.co.uk.

Trade marks

“Polly” and “Polly.co.uk” are UK registered trade marks of Candid Insurance Services Limited. You are not permitted to use it without our approval.

User-generated content is not approved by us

Our site may include information and materials uploaded by other users. This information and these materials have not been verified or approved by us. The views expressed by other users on our site do not represent our views or values.

Do not rely on information on this site

The content on our site is provided for general information only. It is not intended to amount to advice on which you should rely. You must obtain professional or specialist advice before taking, or refraining from, any action on the basis of the content on our site.

Although we make reasonable efforts to update the information on our site, we make no representations, warranties or guarantees, whether express or implied, that the content on our site is accurate, complete or up to date. If you believe any information on this site is inaccurate, please contact us on hello@polly.co.uk

We are not responsible for websites we link to

Where our site contains links to other sites and resources provided by third parties, these links are provided for your information only. Such links should not be interpreted as approval by us of those linked websites or information you may obtain from them.

We have no control over the contents of those sites or resources.

We are not responsible for viruses

We do not guarantee that our site will be secure or free from bugs or viruses.

You are responsible for configuring your information technology, computer programs and platform to access our site. You should use your own virus protection software.

You must not introduce viruses

You must not misuse our site by knowingly introducing viruses, trojans, worms, logic bombs or other material that is malicious or technologically harmful, or otherwise harmfully interacting with our site or any part of it. You must not attempt to gain unauthorised access to our site, the server on which our site is stored or any server, computer or database connected to our site or any other equipment or network connected with our site. 

You must not interfere with, damage or disrupt any software used in the provision of our site or any equipment or network or software owned or used by any third party on which this site relies in any way. You must not attack our site 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 site will cease immediately.

Our responsibility for loss or damage suffered by you

To the maximum extent permitted by applicable law we exclude all representations, warranties and conditions relating to this website and the use of this website (including without limitation, any warranties implied by law of satisfactory quality, fitness for purpose and/or the use of reasonable care and skill).

We do not exclude or limit in any way our liability to you where it would be unlawful to do so. This includes liability for death or personal injury caused by our negligence or the negligence of our employees, agents or subcontractors and for fraud or fraudulent misrepresentation.

Our liability to you in relation to the use of this website or under or in connection with these terms and conditions, whether in contract, tort (including negligence) or otherwise, will be limited as follows:

We only provide our site for domestic and private use. You agree not to use our site for any commercial or business purposes, and we have no liability to you for any loss of profit, loss of business, business interruption, loss of business opportunity; income, revenue, anticipated savings, contracts, business, goodwill, reputation, data or information.

We will not be liable for any consequential, indirect or special loss or damage;

How we may use your personal information

We will only use your personal information as set out in our Privacy Notice which can be accessed here: https://www.polly.co.uk/privacy/.

Which country’s laws apply to any dispute?

These terms of service, their subject matter and their formation, are governed by English law. We both agree that the courts of England and Wales will have exclusive jurisdiction over any dispute.

Alternative dispute resolution

Alternative dispute resolution is a process where an independent body considers the facts of a dispute and seeks to resolve it, without you having to go to court. If you are not happy with how we have handled any complaint, you may want to contact the Financial Ombudsman Service,

If you want the Financial Ombudsman Service to consider your complaint, you must send your complaint to them within 6 months of the date of our final response to your complaint. Their contact details are: The Financial Ombudsman Service, Exchange Tower, London, E14 9SR Telephone: 0300 1239 123. Calls to this number cost no more than calls to 01 and 02 numbers 0800 023 4 567 calls to this number are now free on mobile phones and landlines Email: complaint.info@financial-ombudsman.org.uk Information regarding the service can be found on the Financial Ombudsman website: http://www.financial-ombudsman.org.uk/publications/consumer-leaflet.htm

If you are not satisfied with the outcome of any reference to the Financial Ombudsman Service you can still bring legal proceedings.