Terms of website use

www.freedomhealthinsurance.co.uk is operated by Freedom Healthnet Limited (“we”). We are registered in England and Wales under company number 04815524. Our registered office and main trading address is County Gates House, 300 Poole Road, Poole, BH12 1AZ.

We are authorised and regulated by the Financial Conduct Authority, registration number 312282.

To contact us, email info@fhi.co.uk or call 01202 756 350.

By using our website, you confirm that you accept these terms of website use and agree to comply with them. If you do not agree to these terms, you must not use our website.

We recommend that you print a copy of these terms for future reference.

These additional terms also apply to your use of our website:

• Our privacy policy, which explains how we collect, use and store your personal data.
• Our cookie policy, which sets out information about the cookies on our website.

Services and portals accessed through our website

If you buy products or services, or use our website to access a portal, additional terms for those products, services and portals will also apply in addition to these terms. They will be made available to you at the time you buy or access them.

We amend these terms from time to time. Every time you wish to use our website, please check these terms to make sure you understand the terms that apply at that time.

We may update and change our website from time to time to reflect changes to our products, services, user needs and business priorities.

Our website is made available free of charge. If other services accessed through our website require payment, we will tell you as part of the registration process for that service.

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

You are also responsible for making sure that everyone who accesses our website through your internet connection is aware of these terms and any other applicable terms, and that they comply with them.

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 make sure the transfer does not affect your rights under the contract.

Our website is primarily targeted at customers in the UK. We do not represent that content available on or through our website is appropriate for use or available in other locations.

Our website, its content and any services are primarily targeted at customers in the UK (the “Permitted Territory”). By continuing to access, view or make use of our website and any related content and services, you warrant and represent to us that you are located in a Permitted Territory.

If you choose, or are given, a user identification code, password or any other information as part of our security procedures, you must treat it as confidential and must not disclose it to anyone else.

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 these terms.

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

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

You may print one copy, and download extracts, of any page of our website for your personal use, and you may draw the attention of others within your organisation to content on our website.

You must not change the paper or digital copies of any material you have printed or downloaded in any way. You must not use any illustrations, photographs, video or audio sequences or 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 a licence to do so from us or our licensors.

If you print, copy, download, share or repost any part of our website in breach of these terms, your right to use our website will end immediately and you must, at our option, return or destroy any copies of the material you have made. You may still print a copy of these terms.

You must not carry out, facilitate, authorise or permit any text or data mining or web scraping of our website for developing, training, fine-tuning or validating AI systems or models. 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 method to access, obtain, copy, monitor or republish any part of our website, or any data, content, information or services accessed through it
• any automated analytical technique aimed at analysing text and data in digital form to generate information, or to develop, train, fine-tune or validate AI systems or models, including patterns, trends and correlations

This is an express reservation of our rights, including for the purposes of Article 4(3) of the Digital Copyright Directive ((EU) 2019/790).

This section does not apply to the extent that we are unable to exclude or limit text or data mining or web scraping by contract under the laws that apply to us.

You may link to any page on our website, as long as 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 link in a way that suggests any form of association, approval or endorsement by us where none exists.

You must not link to our website from any website that you do not own.

Our website must not be framed on any other website.

We may withdraw linking permission without notice.

If you wish to link to or use content on our website in any other way, please contact info@fhi.co.uk.

The trademarks on our website are owned or licensed by us and/or we have registered or unregistered rights in them. You may not use them without our approval.

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

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 is accurate, complete or up to date.

Where our website contains links to other websites and resources provided by third parties, these links are for your information only. They should not be taken as our approval of those websites or of information you may obtain from them.

We have no control over the content of those websites or resources.

We are not responsible for viruses

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 programs and platform to access our website. You should use your own virus protection software.

You must not introduce viruses

You must not misuse our website by knowingly introducing viruses, trojans, worms, logic bombs or other material that is malicious or technologically harmful, or by otherwise harmfully interacting with our website. You must not attempt to gain unauthorised access to our website, the server on which it is stored, or any server, computer, database, equipment or network connected to it. You must not interfere with, damage or disrupt any software used to provide our website, or any equipment, network or software owned or used by any third party on which our website relies. You must not attack our website through 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 co-operate with them by disclosing your identity to them. If this happens, your right to use our website will end immediately.

Whether you are a consumer or a business user

• 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.
• Different limitations and exclusions of liability apply to products and services accessed through our website. These will be provided and highlighted to you when you buy or access them.

If you are a business user

• We exclude all implied conditions, warranties, representations or other terms that may apply to our website or any content on it.
• We will not be liable to you for any loss or damage, whether in contract, tort (including negligence), breach of statutory duty or otherwise, even if foreseeable, arising under or in connection with the use of, or inability to use, our website, or the use of or reliance on any content displayed on it.
• In particular, we will not be liable for loss of profits, sales, business or revenue; business interruption; loss of anticipated savings; loss of business opportunity, goodwill or reputation; or any indirect or consequential loss or damage.

If you are a consumer user

• We only provide our website for domestic and private use. 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 only use your personal information as set out in our privacy policy.

If you are a consumer, these terms, 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, except that if you are a resident of Northern Ireland you may also bring proceedings in Northern Ireland, and if you are a resident of Scotland you may also bring proceedings in Scotland.

If you are a business, these terms, their subject matter and their formation (and any non-contractual disputes or claims) are governed by English law. We both agree to the exclusive jurisdiction of the courts of England and Wales.