www.ismybillfair.com (the “Site”) is owned and operated by Nineteen21 Limited (“we”, “us”, “our”). We are a limited company incorporated in England and Wales under company number 10640637. Our registered office address is at Acre House, 11-15 William Road, London, NW1 3ER.
We provide an online service which enables you to find out how your bills for various third party products and services (each a “Product”, collectively the “Products”) compare to what other people pay for a comparable Product. Based on that comparison we also try to help you make the decision to “Stay” with your current provider or to “Switch” to an alternative provider (each a “Provider”). We may also publish or otherwise make available various news related content in connection with our Site. These are collectively our “Services”.
If you have any questions about these terms and conditions (or any of the documents referred to) (collectively, the “Terms”), the Site or our Services, you can contact us using the following email address: email@example.com.
If we have to contact you we will do so by telephone or by writing to you at the email address or postal address provided to us.
THESE TERMS AND CONDITIONS
These Terms set out how you may use the Site and how we make our Services available to you. Please read these Terms carefully before you start to use the Site or our Services.
By using the Site you accept these Terms and you agree to abide by them. If you do not agree to these Terms you must not use the Site or Services and should stop accessing and/or using them immediately.
We recommend that you print a copy of these Terms for future reference, but please note we may amend these Terms from time to time so whenever you use the Site please check this page to ensure you understand the Terms that apply at that time. The amended Terms will be effective from the date they are posted on the Site. Your continued use of the Site will constitute your acceptance of the amended Terms.
Accessing the Site
The Site and our Services are only intended for use by UK residents who are aged 16 or over. We do not make any guarantee that any Product will be available or suitable for use outside of the UK and if you access the Site from outside of the UK you do so at your own risk and you are solely responsible for your compliance with applicable local laws.
By using the Services you guarantee that you are the account holder for the Product concerned, and/or you obtained consent from each person whose details you are using in requesting our Services before you provided us with their information. You are responsible for all activity conducted using the email address(es) provided.
If you believe there has been any unauthorised use of your email address(es) (or any other information personal to you) please contact us at firstname.lastname@example.org immediately.
The Site and our Services are made available to you free of charge and are intended for your personal use only.
If you choose, or you are provided with, a user identification code, password or any other piece of information as part of our security procedures, you must treat such information as confidential, and you must not disclose it to any third party. 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 opinion you have failed to comply with any of the provisions of these Terms.
We will determine, in our discretion, whether there has been a breach of these Terms through your use of the Site and/or our Services. When a breach has occurred we may take such action as we deem appropriate which may result in our taking any or all of the following actions:
You may use the Site and our Services for lawful purposes only. You must not use the Site or our Services:
You may link to our home page provided you do so in a way that is fair and legal and does not damage our reputation or take advantage of it in any way whatsoever. If you do link to our home page you must not:
We reserve the right to withdraw linking permission without notice and for any reason.
Your use of the Site, and Services, together with any content and information you submit using the Site, must not:
In order to use our Services you are required to answer various questions about your current Product (including, but not limited to, the Product plan and associated costs). Each question has been carefully prepared to ensure that we have the information required by the relevant Providers and switching partners and:
The onscreen instructions will guide you through the process. Your answer to each question determines the results made available to you whilst using our Services. Please answer each question to the best of your ability and ensure that all information provided to us, including your contact details, is up-to-date, accurate and complete.
Failure to provide such information may delay our ability to provide our Services to you. It may also affect the accuracy of any price comparisons displayed to you, prevent us from contacting your current Provider, prevent us from passing your information to our switching partners and/or your selected alternative Provider and/or invalidate any subsequent Product purchased by you.
Purchasing the Products
Once you have requested us to contact your provider on your behalf, if we are able to email or pass your details on to the relevant Provider we will use our best efforts to ensure this is done accurately. However, it is your sole responsibility to check all information, content, material and any other data the Provider (and/or the relevant switching partner, as applicable) holds about you (or that you otherwise submit to it) is accurate, complete and up-to-date and that you have disclosed all relevant facts. If you are unsure whether any information is relevant or required to be disclosed or that something may be incorrect you should tell your Provider (and/or the relevant switching partner, as applicable) before applying for the Product concerned. Failure to do so could invalidate the Product purchased by you.
You acknowledge that the Products displayed on the Site are provided by third party Providers over whom we have no control. Whilst we hope our Service provides you with useful information, it is your responsibility to always check the suitability, adequacy and appropriateness of the Product that is of interest to you before purchasing it. If you are unsure whether a Product is suitable for you we would recommend you obtain independent professional advice before purchasing it.
We are trying to work with a number of Providers to give you the best offers and prices available for the Products; however there may be other products, services or offers available on the market which we are not aware of or are otherwise not shown on the Site, which may be more appropriate or suitable for you.
We do not take payment from you for any of the Products on the Site. If you choose to purchase any Product, payment will be made on the relevant Provider’s site or as otherwise instructed by such Provider. You agree to pay the fees and/or charges incurred by you in connection with such Product(s) in accordance with the Provider’s terms and conditions.
You acknowledge that there is no contract between you and us for provision of the Products; we are simply facilitating the relationship between you and the relevant Provider and/or switching partner (as applicable).
You accept that if you enter into a process with a Provider or switching Partner to purchase any product from any Provider (whether on the Provider’s or switching partner’s website, or via a telephone call or webchat or any other sales channel), that Provider and/or switching partner may search your record with credit reference and fraud prevention agencies and add details of the search to Your records with such agencies. We accept no responsibility for any impact this may have on Your credit score or other records held by such agencies.
Provider and other third party websites
Your use of any Provider and/or switching partner’s service and your purchase of any Products will be subject to the Provider's and relevant switching partner’s own terms and conditions (which will be different to ours). You should carefully read the accompanying terms and conditions, and any other documentation that applies to the Product, before you purchase any Product.
Links to Provider and switching websites and any other third party websites contained on the Site (or in our emails to you) are provided for your information and convenience only. These websites are owned and operated by third parties and we have no control over the contents of those sites or resources, and we accept no responsibility for them or for any loss or damage that may arise from your use of them.
We do not endorse, recommend or accept responsibility for any of the Providers or their Products, or any other third parties, their products or services, their websites or for any information, opinions or views given or advice provided by any Provider or such third parties (whether on their websites or otherwise).
Viruses, hacking and other offences
It is your responsibility to configure your IT systems, computer programmes and devices to enable you to safely access the Site and use our Services. You should use your own virus protection software.
You agree that you will be liable to us, our officers, employees, and licensors in respect of any loss that we or they may suffer as a result, directly or indirectly, of any breach by you of these Terms.
OUR RESPONSIBILITIES TO YOU
Information on the Site
THE MATERIAL DISPLAYED ON THE SITE IS PROVIDED ON AN “AS IS” AND “AS AVAILABLE” BASIS, WITHOUT ANY GUARANTEES, CONDITIONS OR WARRANTIES AS TO ITS ACCURACY. WE OBTAIN MUCH OF THE INFORMATION ON THE SITE FROM THIRD PARTIES WHO ARE NOT UNDER OUR CONTROL AND AS SUCH, WE ARE NOT ABLE TO GUARANTEE THE MATERIAL IS ACCURATE AND FREE FROM ERRORS OR OMISSIONS AT ALL TIMES.
Whilst we will try our best to keep all of the information on the Site up-to-date and accurate, the material is provided for general information purposes only and does not constitute financial, investment or other advice. Nor does such information constitute a recommendation or endorsement of the Providers or their Products referred to on the Site. The information is provided so you can select the Product you feel is most appropriate for you but should not be relied on without verifying the results with the relevant Provider. In particular, the information and descriptions of Products on the Site may not represent the complete descriptions of all the features and terms and conditions of those Products. You must ensure that you carefully read all the features and terms and conditions (including those contained on the Provider's and any switching partner’s site) of any Product before purchasing it.
If you notice any errors or omissions in the information contained on the Site please let us know at email@example.com and we will try our best to correct it as soon as we can.
Please note, we reserve the right to add, amend, delete, edit, remove or modify any information, content, material or data displayed on the Site at any time and without notice.
Nothing in these Terms excludes our liability for death or personal injury caused by our negligence (or that of our employees, agents or subcontractors) or for fraud or fraudulent misrepresentation or for anything else which we are not permitted to limit or exclude by law.
Subject to the above, we do not accept any responsibility or liability for any loss or damage you may incur:
You agree that you will not use the Site for any commercial or business purposes. You also acknowledge that we will not be liable to you for any loss of profit, loss of business, business interruption, or loss of business opportunity in connection with your use of the Site and our Services.
Subject to the above, if we fail to comply with these Terms, we are only responsible for loss or damage you suffer that is a foreseeable result of our failure to comply or our failure to use reasonable care and skill. We are not responsible for any indirect loss or any loss or damage that is not foreseeable. Loss or damage is foreseeable if either it is obvious that it will happen or if, at the time you accessed the Site or used our Services, both we and you knew it might happen, for example, if you discussed it with us.
We do not guarantee that the Site is secure or free from bugs or viruses or anything else which may have a harmful effect on any technology and we will not be liable for any loss or damage caused by a distributed denial-of-service attack, viruses or other technologically harmful material that may infect your computer equipment, computer programs, data or other proprietary material due to your use of the Site or our Services, or to your downloading of any material posted on it, or on any Site linked to it.
We may suspend or withdraw the Site
Access to the Site is permitted on a temporary basis. We do not guarantee that the Site, or any content on it, will always be available or be uninterrupted. We may suspend or withdraw or restrict the availability of all or any part of the Site for business and operational reasons. We will not be liable if, for any reason, the Site is unavailable at any time or for any period. We will try to give you reasonable notice of any suspension or withdrawal.
We may be required to change the Services that we provide or the manner in which we provide those Services to reflect changes in relevant laws and regulatory requirements or implement technical adjustments and improvements. These changes may affect the provision of the Site and our Services to you.
We may make changes to the Site
We often make changes to or update the Site. This is sometimes because our Services have changed, because our priorities as a business have changed, because our users’ needs have changed or for any other reason we deem appropriate.
INTELLECTUAL PROPERTY RIGHTS
We are the owner or the licensee of all intellectual property rights in the Site, and in the materials published on it. Those works are protected by copyright laws and treaties around the world. All such rights are reserved.
You may print off one copy, and may download extracts, of any page(s) from the Site for your personal, non-commercial, use and you may draw the attention of others within your organisation to content posted on the Site. However, you must not modify the paper or digital copies of any materials you have printed off or downloaded in any way, and you must not use any images, logos, trade marks, illustrations, photographs, video or audio sequences or any graphics separately from any accompanying text.
If you do use materials from the Site, our status (and that of any identified contributors) as the authors of content on the Site must always be acknowledged and the copy must retain any copyright or other intellectual property notice contained in the original material.
You must not use any part of the material or content on the Site other than in accordance with these Terms, for commercial purposes, on any other website or otherwise, without first obtaining our (or our licensors’) approval to such use. Please address your request to: firstname.lastname@example.org.
If you print off, copy or download any part of the Site in breach of these Terms, your right to use the Site will cease immediately and you must, at our option, return or destroy any copies of the materials you have made.
You will retain ownership of any content you provide to us via the Site, or otherwise in connection with the Services, and grant us a non-exclusive, perpetual, irrevocable, transferable, worldwide, royalty free licence to use such content in order to provide you with the Services you request from us from time to time.
OTHER TERMS THAT MAY APPLY TO YOU
We will use the personal information you provide to us:
OTHER IMPORTANT TERMS
We may transfer our rights and obligations under these Terms to another organisation. We will contact you to let you know if we plan to do this.
You may only transfer your rights or your obligations under these Terms to another person if we agree to this in writing.
The contract for our Services is between you and us. No other person shall have any rights to enforce any of its terms
Each of the paragraphs of these Terms operates separately. If any court or relevant authority decides that any of them are unlawful, the remaining paragraphs will remain in full force and effect.
The English courts will have exclusive jurisdiction over any claim arising from, or related to, use of the Site and our Services although we retain the right to bring proceedings against you for breach of these Terms in your country of residence or any other relevant country.
These Terms and any dispute or claim arising out of or in connection with them or their subject matter or formation (including non-contractual disputes or claims) shall be governed by and construed in accordance with the law of England and Wales.
These Terms and any document expressly referred to in them constitute the whole agreement between us and supersede all previous discussions, correspondence, negotiations, previous arrangement, understanding or agreement between us relating to the use of the Site and our Services.
If you have any concerns about material which appears on the Site or concerns with regards to our services, please contact: email@example.com.