Terms and conditions of use
The legal bit – important, but dull.
(what this means is…)
Welcome to our website, www.limeinsurance.com, which together with all associated domains and sub-domains (Sites) are owned by Lime Global Limited and its related bodies corporate (collectively referred to as Lime, we, our or us in these terms & conditions).
These terms & conditions apply to any use of the Site by any users (referred to as you or your in these terms & conditions). These terms & conditions apply whenever you access the Site, regardless of how you access the Site.
1. Information about us
(who we are…)
The Site is operated by Lime Global Limited on behalf of Lime International Limited.
Lime International Limited is authorised and regulated by the Financial Conduct Authority. It is entered in the Financial Services Register with registered number 759122. The Financial Services register can be accessed at http://www.fca.org.uk/.
Lime International Limited and Lime Global Limited are registered in England and Wales under company numbers 10180963 and 09666467 respectively. Registered office: Level 30, Leadenhall Building, 122 Leadenhall Street, London, EC3V 4AB.
2. Use of the Site
(what the sites does and doesn’t do…)
2.1 You agree to be bound by these terms & conditions, which are subject to change at our sole discretion. Your use of and access to this Site constitutes your acceptance of these terms & conditions as they exist at the relevant time. If you do not wish to be bound by these terms and conditions you should not use the Site. Please check this page from time to time to take notice of any changes we make, as they are binding on you.
2.2 The information contained in the Site is for guidance only, it does not take into consideration your personal circumstances and cannot be regarded as constituting advice or a recommendation (professional or otherwise) on which reliance should be placed.
2.3 You will not receive advice from Lime International Limited as to the product(s) available through the Site, therefore you will need to make your own choice regarding the suitability of any product(s) purchased.
2.4 The products and services offered via this Site are for citizens or permanent residents of the United Kingdom (excluding Channel Islands and Isle of Man).
(what to do if something goes wrong…)
We know that sometimes things can go wrong and, in the event that happens, we want to put it right. As a valued customer of Lime, we want you to tell us if you are unhappy and if we have not delivered a service you should expect from us. If you have a complaint, then please contact us and we will make sure that your complaint is considered immediately.
If you remain dissatisfied after your complaint has been considered, or in any event after a period of eight weeks from making your complaint, you may refer your complaint to the Financial Ombudsman Service (FOS).
The FOS is an independent service in the UK for settling disputes between consumers and businesses providing financial services. The contact details for the FOS are:
The Financial Ombudsman Service, Exchange Tower, London E14 9SR. Telephone 0800 023 4 567 (calls to this number are free from “fixed lines”in the UK) or 0300 1239123 (calls to this number are charged at the same rate as 01 and 02 numbers on mobile phone tariffs in the UK). Email firstname.lastname@example.org. Youcan find more information on the FOS at www.financial-ombudsman.org.uk
The European Commission has launched the European Online Dispute Resolution platform (ODR platform). The ODR platform is a website which helps customers who’ve bought something online in the EU if a dispute arises. The platform will send your complaint to a certified Alternative Dispute Resolution Provider who works to solve the problem. In the UK that would be the Financial Ombudsman Service. You can find more information here European Commission’s Online Dispute Resolution (ODR) platform
4. Intellectual Property
(who owns the ideas and tools on the site…)
4.1 All intellectual property in relation to content on this Site belongs to Lime or its affiliates. You obtain no interest in that intellectual property. All content on this Site is protected by UK and international copyright and other intellectual property laws. You may not do anything which interferes with or breaches those laws or the intellectual property rights in the content.
4.3 The Lime name and the Lime logo are registered trademarks or other intellectual property of Lime or its related bodies corporate. Other trademarks may be displayed on the Site from time to time. These may belong to third parties. Nothing displayed on the Site is construed as granting any license or right of use of any logo or trade mark displayed on the Site without the express written permission of the relevant owner.
5. Liability & Indemnity
(who is responsible for what…)
5.1 Lime does not exclude any rights, remedies, guarantees, conditions or warranties in respect of goods or services which cannot be excluded, restricted or modified under English law. However, Lime excludes all other rights, remedies, guarantees, conditions and warranties in respect of goods or services from your use of the Site whether based in statute, common law or otherwise to the extent permitted by law. To the fullest extent possible.
5.2 Lime does not generally warrant the accuracy of the content on the Site. Lime’s responsibility in relation to information provided to you is limited to information set out in financial services disclosure documents relating to any financial products or services you acquire from Lime, being any financial services guide or product disclosure statement provided to you by Lime. Any other content is provided to you “as is”and on an “as available”basis and on the condition that you take all responsibility for assessing the accuracy of the content and rely on it at your own risk. All content on the Site may be changed at our sole discretion and without notice.
5.3 Lime has no responsibility or liability in relation to any loss or damage that you incur, including loss of profits, interruption of business, loss of data on your information handling system or other damage to your software or hardware, arising from your use of or access to this Site, except as set out in these Terms & Conditions. If you acquire financial products or services from Lime, then the terms and conditions and Lime’s liability in respect of those financial products or services will be set out in the relevant financial services disclosure documents relating to those financial products or services.
5.4 Lime does not warrant that functions contained in the Site content, such as hyperlinks, will be uninterrupted or error free, that defects will be corrected or that Lime or the server that makes it available, are free of viruses or bugs.
5.5 To the extent permitted by law, Lime’s liability for any breach of a term or condition implied by law is limited at Lime’s discretion, to the supply of any service again or the payment for the cost of having any service supplied again.
5.6 You indemnify Lime and its affiliated companies, and each of their directors, officers, employees and agents against any action, claim, loss or expense which it incurs which arises from your use of the Site.
7. Third Party Content & Links
(about other people’s stuff…)
7.1 This Site may include third party content which is subject to that third party’s terms and conditions of use. Nothing on this Site should be construed as granting any licence or right for you to use that content.
8.2 This Site may include hypertext links to third party sites which are not related to Lime and in relation to which Lime has no control or interest. The appearance of those links on this site does not indicate any relationship between Lime and that third party or any endorsement by Lime of that third party, its site or the products or services which it is advertising on this Site. You should take appropriate action to ensure that your access to and use of this Site and other websites is protected against, and free from viruses, worms, trojan horses and other harmful and destructive material.
(ending access to the site…)
Lime reserves the right to terminate forthwith, or to refuse to permit, the use of our Site by any guest or registered user, at any time and at Lime’s absolute discretion.
(other important bits…)
You must not use this Site for any purpose or in any way which is unlawful.
Lime has established this site in England. English Law shall govern its use at all times and in the event of a dispute, the parties shall irrevocably submit to the exclusive jurisdiction of the English Courts.
If any provision of this agreement is found to be invalid or unenforceable by a court of law, such invalidity or unenforceability will not affect the remainder of this agreement, which will continue in full force and effect.