Terms of Service

1. Introduction

These Terms of Service ("Terms") govern your use of the Tangor Insurance website and services. By accessing or using our website, you agree to be bound by these Terms.

Tangor Insurance is authorised and regulated by the Financial Conduct Authority (FCA). Our FCA registration number is available upon request.

2. Definitions

• "We", "us", "our": Tangor Insurance
• "You", "your": The user of our website or services
• "Services": All insurance-related services we provide
• "Website": tangor-knsigets.com and all associated pages
• "Agreement": These Terms and any additional terms for specific services

3. Eligibility and Registration

3.1 Age Requirements

You must be at least 18 years old to use our services. By using our website, you represent that you meet this age requirement.

3.2 Accurate Information

You agree to provide accurate, current, and complete information when:

• Requesting insurance quotes
• Completing application forms
• Communicating with our advisors
• Making claims

4. Our Services

4.1 Insurance Brokerage

We act as an insurance broker, arranging insurance policies on behalf of our clients with various insurance companies. We do not underwrite insurance policies ourselves.

4.2 Advisory Services

We provide advice and recommendations based on your stated needs and circumstances. Our advice is based on the information you provide to us.

4.3 No Guarantee

While we strive to find suitable insurance solutions, we cannot guarantee:

• That insurance will be available for your specific circumstances
• Specific premium rates or terms
• Acceptance of your application by insurance companies

5. Website Use

5.1 Permitted Use

You may use our website for lawful purposes only. You agree not to:

• Upload or transmit malicious code or viruses
• Attempt to gain unauthorised access to our systems
• Use automated systems to access our website
• Interfere with other users' use of the website
• Copy, reproduce, or distribute our content without permission

5.2 Intellectual Property

All content on our website, including text, graphics, logos, and software, is owned by Tangor Insurance or our licensors and is protected by copyright and other intellectual property laws.

6. Privacy and Data Protection

Your privacy is important to us. Our collection and use of personal information is governed by our Privacy Policy, which forms part of these Terms.

By using our services, you consent to the collection, use, and disclosure of your information as described in our Privacy Policy.

7. Financial Services

7.1 Regulatory Compliance

Our services are regulated by the Financial Conduct Authority. We comply with all applicable regulations, including:

• The Insurance Conduct of Business Rules (ICOBS)
• The Financial Services and Markets Act 2000
• Consumer protection regulations

7.2 Conflicts of Interest

We may receive commission from insurance companies for policies we arrange. This does not affect our obligation to act in your best interests. Details of our remuneration will be provided upon request.

8. Fees and Payments

8.1 Our Fees

We may charge fees for our services in addition to insurance premiums. All fees will be clearly disclosed before you incur any charges.

8.2 Payment Terms

Payment terms will be specified in your individual policy documentation. Premium payments are typically due to the insurance company, not to us, unless we act as a premium collection agent.

9. Limitation of Liability

9.1 Website Availability

We do not guarantee that our website will be available 24/7 or free from technical issues. We reserve the right to suspend or modify our website for maintenance or other reasons.

9.2 Liability Limits

To the extent permitted by law, our liability is limited to the amount of fees you have paid to us. We are not liable for:

• Indirect, consequential, or punitive damages
• Loss of profits or business opportunities
• Data loss or corruption
• Third-party actions or decisions

9.3 Professional Indemnity

We maintain professional indemnity insurance as required by FCA regulations.

10. Complaints Procedure

If you have a complaint about our services:

1. Contact us directly using the details provided on our website
2. We will acknowledge your complaint within 3 business days
3. We aim to resolve complaints within 8 weeks
4. If you're not satisfied with our response, you can refer your complaint to the Financial Ombudsman Service

11. Termination

11.1 Your Rights

You may stop using our services at any time. For specific insurance policies, cancellation terms will be set out in the policy documentation.

11.2 Our Rights

We may terminate or suspend your access to our services if you:

• Breach these Terms
• Provide false or misleading information
• Engage in fraudulent activity
• Fail to pay required fees

12. Changes to Terms

We may update these Terms from time to time. Changes will be posted on our website with a new "Last Updated" date. Continued use of our services after changes constitutes acceptance of the new Terms.

13. Governing Law

These Terms are governed by English law and subject to the exclusive jurisdiction of the English courts. If you are a consumer in Scotland or Northern Ireland, you may have additional rights under local law.

14. Severability

If any part of these Terms is found to be invalid or unenforceable, the remaining provisions will continue to apply.

15. Contact Information

If you have questions about these Terms, please contact us:

16. Regulatory Information

Tangor Insurance is authorised and regulated by the Financial Conduct Authority. The Financial Conduct Authority's address is: