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Terms & Conditions

Acceptance of Agreement

Your access to and use of this website ("the Website") is governed exclusively by these Terms and Conditions.

You agree not to use the Website for any unlawful purpose or in any manner prohibited by these Terms and Conditions.

By accessing and using the Website, you fully accept and agree to comply with all terms, conditions, and disclaimers set forth herein.

If you do not agree to these Terms and Conditions, you must discontinue use of the Website immediately.

No Professional Advice

The content provided on the Website is for informational purposes only and should not be construed as professional advice. You should not rely upon this content when making or refraining from making any decisions.

Modifications to Website, Services, and Promotions

Smart Life Cover Ltd. reserves the right, at its sole discretion, to:

• Modify, suspend, or permanently discontinue the Website or any portion thereof without prior notice. You acknowledge that Smart Life Cover Ltd. shall not be liable for any such modifications or discontinuation.

• Alter, remove, or terminate any services, promotions, or advertisements featured on the Website at any time without notice. Smart Life Cover Ltd. shall not be liable for any such changes.

• Amend or withdraw any promotional discount vouchers or coupon codes with or without notice. Smart Life Cover Ltd. assumes no liability for such changes.

• Revise this Agreement at any time. Your continued use of the Website following any amendments constitutes your acceptance of the updated terms.

Third-Party Links

The Website may contain links to third-party websites maintained by external entities.

These links are provided for convenience only and do not constitute an endorsement by Smart Life Cover Ltd. You acknowledge and agree that we are not responsible for the content, availability, or practices of any third-party websites.

Intellectual Property Rights

All intellectual property rights in the Website and its content (including but not limited to text, graphics, logos, and software) are owned by or licensed to Smart Life Cover Ltd.

You may not copy, distribute, publish, license, or reproduce any materials from this Website except as strictly necessary for accessing and using the Website in accordance with these Terms and Conditions.

For the purposes of this Agreement, "Intellectual Property Rights" include, without limitation: patents, trademarks, trade names, service marks, copyrights, database rights, design rights, moral rights, trade secrets, and any other proprietary rights, whether registered or unregistered.

Limitation of Liability

The Website is provided on an "AS IS" and "AS AVAILABLE" basis without warranties of any kind, whether express or implied, including but not limited to warranties of merchantability, fitness for a particular purpose, non-infringement, or accuracy.

To the fullest extent permitted by law, Smart Life Cover Ltd. shall not be liable for any indirect, incidental, special, or consequential damages (including loss of business, revenue, profits, data, or opportunity) arising from or in connection with the use of the Website.

Smart Life Cover Ltd. does not warrant that the Website will be uninterrupted, error-free, or free from viruses or other harmful components.

Indemnification

You agree to indemnify, defend, and hold harmless Smart Life Cover Ltd., its employees, and agents from and against all claims, liabilities, damages, losses, costs, and expenses (including legal fees) arising from:

• Any breach of these Terms and Conditions by you.

• Your unauthorized use of the Website.

Severability

If any provision of this Agreement is deemed invalid, illegal, or unenforceable by a court or regulatory authority, the remaining provisions shall remain in full force and effect. Smart Life Cover Ltd. may amend or sever such provision to the extent necessary to comply with applicable law while preserving the original intent of the Agreement.

Governing Law and Jurisdiction

This Agreement and any disputes arising from it shall be governed by and construed in accordance with the laws of England and Wales. The courts of England and Wales shall have exclusive jurisdiction over all disputes, and the place of performance shall be England.

Headings

Section headings are included for convenience only and shall not affect the interpretation of this Agreement.

Entire Agreement

These Terms and Conditions, along with any documents expressly referenced herein, constitute the entire agreement between you and Smart Life Cover Ltd. regarding the subject matter and supersede all prior agreements, representations, or understandings, whether written or oral.

No oral or written statement outside these Terms and Conditions shall alter their interpretation. By agreeing to these terms, you confirm that you have not relied on any representations other than those expressly stated herein.

Referral Program

If you are satisfied with our services and refer a new customer, you will receive £50 in high-street vouchers once their policy has been successfully completed and remains active for a minimum of three (2) months.