Any financial information featured on the website or accessed via a link from the website is not considered financial advice.

Any issues that may arise from contact or communication with third parties accessed from the website are not the responsibility of the website operator.

Any entry into a third party’s terms and conditions is wholly separate from the terms and conditions undertaken when using Expat Global Insurance. It is recommended that independent advice is sought when entering into a third party’s terms and conditions. Additionally, before entering into any agreement with a third party, it is advisable to read the terms and conditions of that third party. The website operator is not liable for any loss or damages that arise from the advice or the contract between the third party and the person applying for a quote via  Expat Global Insurance.

Should the website operator receive remuneration as a result of your use of third-party services accessed from the website, it in no way indicates an exclusive partnership or agency relationship with that third party. The service offered is free.

Intellectual Property

The copyright and intellectual property (IP) rights of all material published on the website; website design; corporate identity; text and graphics; and all software compilations, source code, and software belong to the website operator. All rights are reserved.

Permission must be secured before the reproduction or redistribution of material from the website. Single printouts can be made for personal, non-commercial use. Adaptations or alterations to content from the website, in addition to unauthorized links, are also not permitted.

The rights to Expat Global Insurance are owned by the website operator. All other company names and products belong to their respective owners.

Information from the website must not be used for illegal or immoral purposes.

Liability Obligations

Every effort is made to ensure that data on the website is accurate, and any inaccuracies will be corrected immediately as soon as they are identified. To the extent allowed by law, the website operator is not responsible for inaccuracies published on the website.

The website does not validate, monitor, or endorse any third-party information submitted to it; as such, this information could be inaccurate. The website does not validate, monitor, or endorse the data or quotations collected from third parties as presented on the search results page.

The website operator is not responsible for any harmful effects on technology that may result from using the website, nor does it guarantee that the website is free from viruses. Additionally, liability is excluded should any losses or claims occur as a result of your inability to access the website or from any use of the website or reliance on data published on the website, to the extent permitted by law.

Nothing stated within these terms and conditions excludes or limits liability for fraud or under the FSMA (Financial Services and Markets Act 2000).

Liability is excluded for any loss or damage of any kind arising without limiting any direct, indirect, disciplinary, or significant loss. There shall be no liability to pay any money by way of compensation.

Termination of Agreement

Should any of the terms and conditions stated be breached, the website operator has the right to terminate the agreement and immediately remove, cancel, or suspend access to and use of the website.

All disclaimers, indemnities, and exclusions stated within these terms and conditions shall survive termination of the agreement for any reason.

Liability for failure to undertake any obligation under this agreement is excluded if failure results from events outside of control, including, without limitation, internet/telecoms outages, fire, flood, war, and acts of God.

General Information

The website must not be used for business purposes.

Should any provision of the agreement be held unlawful or invalid, that provision shall be deemed severed. The validity of the remaining provisions of the agreement will not be affected.

Should there be a failure to enforce any provision of this agreement, such failure will not be considered a waiver of any provision or right.

Use of the website and these terms are subject to the laws of England, which shall exclusively govern the interpretation, application, and effect of all the above permissions, exclusions, licenses, and conditions of use and shall be construed by the laws of England, with parties submitting to the exclusive jurisdiction of the English courts.