By using the Website, you affirm that you have read, understood, and agreed to these Terms of Use. If you do not agree to these terms, you must refrain from using the Website.

We reserve the right to modify these Terms of Use at any time without prior notice. Continued use of the Website following any changes constitutes acceptance of those changes. It is your responsibility to review these Terms of Use periodically for updates.

We may update the format and content of the Website periodically. While we strive to provide accurate information, the content on the Website is for informational purposes only and should not be relied upon as authoritative advice. We do not guarantee that the Website will be free from viruses or other harmful elements. You are responsible for implementing necessary security measures to protect your devices.

Access to the Website is provided on a temporary basis and may be suspended or terminated at any time without notice. We are not liable for any interruptions or discontinuations of the Website. You are responsible for ensuring your device meets the necessary technical requirements to access the Website.

You may use the Website for personal, non-commercial purposes in accordance with these Terms of Use. You may retrieve, display, and print content from the Website for personal use only. Additional terms may apply to specific features of the Website.

You are prohibited from modifying, storing, or distributing any content from the Website without our prior consent. You must not engage in activities that disrupt the functioning of the Website or transmit harmful content. Unauthorized access to the Website or its servers is strictly prohibited.

We process personal data in accordance with our Privacy Policy, which is incorporated into these Terms of Use.

All intellectual property rights in the Website and its content belong to us or our licensors. Your use of the Website does not grant you any ownership rights in the intellectual property.

The Website may contain links to third-party websites for your convenience. We are not responsible for the content of these websites or any damages resulting from their use.

Your use of the Website is at your own risk. We exclude all warranties and liabilities to the fullest extent permitted by law.

These Terms of Use are governed by English law, and any disputes will be subject to the exclusive jurisdiction of the English courts.

In the course of accessing wearecovered.co.uk or utilising our services, your telephone calls or email correspondences may be subject to random recording and monitoring. Your use of these communication channels implies your consent to such recording or monitoring.

At wearecovered.co.uk, we strive to deliver exceptional online services. However, if you ever feel dissatisfied, we encourage you to share your concerns with us promptly, please contact our Compliance team in the first instance at Bankstone Limited, 9 Burnley Road, Todmorden, Lancashire, OL14 7BU. or alternatively by email at Compliance@wearecovered.co.uk and we will endeavour to resolve your concern.

Should a disagreement arise that cannot be resolved to your satisfaction, you have the option to escalate your complaint to the Financial Ombudsman Service (FOS). Once engaged, the FOS will mediate between us and provide you with their decision directly. Referring your complaint to the FOS will not affect your right to pursue further legal action if necessary. You can reach the FOS at:

The Financial Ombudsman
Exchange Tower
London
E14 9SR

Telephone: 0800 023 4567 or 0300 123 9123

The headings in these Terms of Use are for convenience only and do not affect their interpretation. If any provision is deemed unenforceable, the remaining provisions will remain in full force and effect.

By using wearecovered.co.uk, you agree to these Terms of Use. If you have any questions or concerns, please contact us.