The term “Cover My” or “us” or “we” refers to the owner of the Website. The term “you” refers to the user or viewer of our Website.
The Cover My Website is operated by Cover My whose registered address is:
PO Box 9562
Reach Financial Services' Registered Company Number in England & Wales is 4328466.
The aim of this Website is to provide accurate information and give you access to the information, advice and services that Cover My provides.
Cover My grants visitors to this Website a license to use it in the following ways:
You may view, download specific documents made available for downloading by the Website’s owner, and print pages from the Website for your own personal (non-commercial) use, subject to the restrictions set elsewhere in these Terms & Conditions of Use
The licence to use this Website can be terminated at any time without notice
You must NOT use this Website in the following ways:
Any way that causes, or could cause damage to the Website or disable the availability and accessibility of the Website, or in any other way which is unlawful, fraudulent, illegal or harmful.
Whilst Cover My makes every effort to prevent the intrusion of viruses, worms or any other infectious programming code that could damage or corrupt files on your computer, because the Internet is not a stable medium, Cover My cannot be held responsible and will not accept liability for occurrences resulting from the intrusion of viruses, worms or any other infectious programming code that could damage and corrupt files on your computer. Therefore, by using the Cover My Website, you, the user of the Website, assume full responsibility for protecting against such occurrences.
Content may be updated or changed from time to time, without prior notice.
All content included on the Website, unless uploaded by Users, including, but not limited to, text, graphics, logos, icons, images, sound clips, video clips, data compilations, page layout, underlying code and software is the property of Cover My, our affiliates or other relevant third parties. By continuing to use the Website you acknowledge that such material is protected by applicable United Kingdom and International intellectual property and other relevant laws.
The content on this Website is provided for personal (non-commercial) use only. You may not reproduce, copy, distribute, store or in any other fashion re-use material from the Website unless otherwise indicated on the Website or unless given express written permission to do so by Cover My.
We shall not be liable to you for any loss or damage which you may suffer as a result of using this Service, except where such loss or damage was caused by negligence, wilful default or fraud by us or our employees.
You shall be liable to us for any loss suffered by us as a result of any breach of these Terms & Conditions by you, or any fraudulent use of the Service by you. Where alleged fraud has occurred on your Account that forms part of the Service, you will be required to co-operate with the Police in any investigation.
You acknowledge that, due to the nature of the Internet and electronic communication, there is a risk that communications may not operate free from error or interruption.
We shall not be liable:
In the event of any error or interruption in communications; or
For any losses or delays in the transmission of instructions to the Service caused by any Internet Service Provider or by software failure; or
For any breaches of security of the Service beyond our reasonable control; or
For any indirect or consequential loss you may suffer as a result of using the Internet to access the Service.
Telephone calls and electronic messages to us may be monitored and recorded for security purposes and to maintain and improve our Service.
A requirement of the Service is that you provide us with contact telephone number and an optional e-mail address. If these contact details are owned by a third party, permission has to be sought by that party before your use of them. By providing these contact details you are confirming your authorisation for us to communicate through these channels.
The Service may only be used by persons aged 18 years or over.
You will need access to the Internet to use the Service and you will be responsible for any telephone costs and/or charges made by any Internet Service Provider. We make no guarantees as to the speed, resolution or access to the Service via the Internet.
In the event that any party to these Terms & Conditions fails to exercise any right or remedy contained herein, this shall not be construed as a waiver of that right or remedy.
These Terms & Conditions, and the relationship between you and Cover My, shall be governed by and construed in accordance with the Law of England and Wales, and Cover My and you agree to submit to the exclusive jurisdiction of the Courts of England and Wales.
The fair treatment of our clients is central to how Cover My operates as a business. We aim to deliver a high standard service, and in doing so, we respect your opinions and appreciate your feedback. If you want to make a complaint about Cover My, please let us know by telephone or by writing to:
PO Box 9562
We will acknowledge receipt of your complaint within 5 working days and we will try to resolve your complaint as quickly as possible.
We will, by the end of 8 weeks send you a final response. If we are unable to provide a final response within that time, however, we will write to you and advise you as to when we will be able to provide a final response.
If you are not satisfied with our response or any delay you may refer your complaint to the Financial Ombudsman Service. The Financial Ombudsman Service provides a free and impartial service designed to resolve problems between consumers and financial businesses. We will give you their details and a copy of an explanatory leaflet in our response to you. For more information, visit their website at www.financial-ombudsman.org.uk.
If you are a client and we have made a contract with you by electronic means you may be entitled to use an EU online dispute resolution service to assist with any contractual dispute you may have with us. This service can be found at http://ec.europa.eu/odr. Our email address is email@example.com.