Terms of Business
The QuoteRack USA website
This page sets out the terms upon which we agree to act for consumers who use our web site. It also sets out some of your responsibilities if you choose to use our website. Please read it carefully. Please contact us immediately if there is anything in these Terms of Business that you do not understand or with which you disagree.
This site is owned and operated by OMNIX Ltd, trading as QuoteRack ("QuoteRack USA"), registered in England and whose registered address is HSBC Bank Chambers, Listley Street, Bridgnorth, Shropshire WV16 4AW, United Kingdom.
By using this site, you accept these terms of business. If you do not accept these terms of business, you must not use the website.
QuoteRack USA may change the terms of business at any time by posting changes on its site. You must review these terms of business regularly to ensure you are aware of any changes made. Your continued use of this site after changes are posted means you agree to be legally bound by these terms as updated and/or amended.
Our Products and Services
We do not recommend, endorse, approve, offer advice on or information about any particular insurance products. We pass on the information with which you provide us to one or more specialist insurance agents or intermediaries who may be able to offer products that are suitable to meet your demands and needs. We do not guarantee that you will be provided with an insurance quotation.
Quotations
We do not provide insurance quotations ourselves, either by phone, email or via the website. Quotations, if available, will be provided by one or more of the insurance agents to whom your details are submitted once you have used this website.
You should ensure that the product information, advice and premiums quoted by any insurance agent are suitable for your personal or business circumstances.
Our Privacy Policy
Please refer to QuoteRack USA's Privacy Policy for full details about how and why we process personal data.
All information provided via the QuoteRack USA web site will be treated as confidential and only disclosed to insurance agents on our specialist panels.
Other than for the purposes of obtaining insurance quotations and associated advice and information, with a few exceptions, for example information requested by a court, a regulatory body, or information which is already in the public domain, we will not release the information you provide to us to any other party without your consent.
Complaints Procedure
We recognise the importance of service and set ourselves high standards. Should there be an occasion when we do not meet your expectations we are equally committed to dealing with any complaint in a thorough and professional manner.
If you wish to register a complaint please contact us in writing, addressed to The Company Secretary, QuoteRack.com, Touchstone 2, Pinewood Business Park, Marston Green, Birmingham B37 7HG, United Kingdom
Law and Jurisdiction
These Terms of Business shall be governed by and construed in accordance with English Law. In relation to any legal action or proceedings arising out of or in connection with these Terms of Business we both irrevocably submit to the exclusive jurisdiction of the English Courts.
About our Company
Omnix Ltd trading as QuoteRack USA can be contacted at The Company Secretary, QuoteRack.com, Touchstone 2, Pinewood Business Park, Marston Green, Birmingham B37 7HG, United Kingdom
Copyright
All copyright, database rights and other intellectual property rights in all the material on the site including but not limited to site design, structure, page layouts, graphical images, search results and underlying software code (collectively the "Content") legally and beneficially belongs to QuoteRack USA and the relevant brokers, insurance agents, intermediaries and related service suppliers. The brokers, agents and intermediaries own or license the rights to their own brand. Except for brokers’ intellectual property rights, QuoteRack USA owns and retains all rights to the rest of the Content.
Warranty disclaimer and limitation on liability
QuoteRack USA does not endorse or represent the accuracy, truthfulness or reliability of any information provided on or by means of the site. The Content is only for general information and use and is not intended to address your particular requirements or considered to be a recommendation of any kind by QuoteRack.com. The QuoteRack.com Service and the website Content is provided on an "as is" and "as and when available" basis to users. You use the QuoteRack.com website, the Service and the Content entirely at your own risk.
QuoteRack USA advises users to satisfy themselves as to the exact type and nature of goods or services being offered or qualifications held by those persons, companies and other organizations whose goods or services may be introduced, displayed or referred to on or via the QuoteRack USA website. To the extent permitted by law, QuoteRack USA makes and you receive, no representations, warranties or conditions, express or implied, statutory or otherwise with respect to the Service and in particular the QuoteRack USA site or the Content including without limitation no representations, warranties or conditions of merchantability, suitability, fitness for a particular purpose, non-infringement of proprietary or intellectual property rights or otherwise.
QuoteRack USA strongly recommends that you seek advice from a qualified financial advisor before you make any financial investment.
No oral advice or written information including without limitation the Content given by QuoteRack USA or including without limitation any of its officers, directors, employees, agents, suppliers, providers or merchants will create a representation, a warranty or condition nor should you rely on any such information or advice. QuoteRack USA is unable to ensure or guarantee the security of any information transmitted over the Internet and we shall not be responsible or liable for any damages or injury that may result from transmitting such information.
IN NO EVENT WILL QuoteRack USA, OUR OFFICERS, EMPLOYEES, CONTRACTORS, SUBCONTRACTORS, SUPPLIERS, AGENTS, AFFILIATES, SUBSIDIARIES, SUCCESSORS OR ASSIGNEES BE LIABLE TO ANY PARTY FOR ANY DIRECT, INDIRECT, OR OTHER CONSEQUENTIAL LOSS FOR ANY USE OF THIS WEB SITE, OR USE OF ANY OTHER LINKED WEBSITE, EVEN IF WE ARE EXPRESSLY ADVISED OF THE POSSIBILITY OF SUCH LOSS. THE TERM "LOSS" INCLUDES, WITHOUT LIMITATION, LEGAL FEES, ANY LOST PROFITS, BUSINESS INTERRUPTION AND LOSS OF PROGRAMMES OR OTHER DATA ON YOUR INFORMATION HANDLING SYSTEM.
Neither QuoteRack USA nor its associated service provider organizations seek to limit or exclude liability for death or personal injury arising from their negligence.
Further, QuoteRack USA shall not be liable for any typographical or other errors or omissions in the Content.
All links that connect this site with other sites are provided solely for your convenience and information and QuoteRack USA does not endorse or recommend any such sites.
Force majeure
QuoteRack USA shall not be liable to you under these terms and conditions, for any loss or damage which may be suffered by you due to any cause beyond QuoteRack USA's reasonable control including without limitation any act of God, exceptionally severe weather, failure of shortage of power supplies, flood, drought, lightning or fire, strike, lock-out, trade dispute or labour disturbance, the act or omission of government, highways authorities, other telecommunications operators or administrations or other competent authority, war, military operations, acts of terrorism or riot.