Terms of Use

Latest Update: 28th October 2021

Definitions

The following terms have the following meanings in these Terms of Use:

  • Customer”: refers to a User who has paid for Services provided by Indeez.
  • Paid Services”: refers to the part of the Services provided by Indeez that Users have agreed to pay for
  • Registered User”: User that has registered on the Indeez Platform with a username and password and verified their account. A Customer will be automatically registered when he/she pays for the Services provided by Indeez.
  • Services”: refers to all of the services rendered, and all products made available (including insurance policies), by Indeez to Users on the Platform.
  • User”: refers either to a visitor of the Site or Application or a Registered User, a Customer or a company that uses the Platform. Referred also as “you”, “your”, “yourself”

Unless required otherwise as a result of the context, terms and definitions stated in the singular include the plural, and vice versa.

  • Application”: refers to the mobile applications published by Indeez, available on iOS and Android.
  • Platform”: refers to the contact platform operated by Indeez and accessible from the 

Application or the Site, enabling Users to avail our Services.

  • Website”: refers to the ‘www.indeez.eu’ website and all of its sub-domains.

For simplicity purposes, reference to our ‘Site’ in these Terms of Use shall include our Website, our Application and our Platform.

Introduction

“Indeez”: refers to the simplified joint stock company Indeez SAS, listed on the Paris Trade and Companies Register under number 888 048 659 and with its head office located at 19 rue du Rocher, 75008 Paris – France. Indeez is registered with ORIAS under the registration number 20006983 as an insurance intermediary to operate under the freedom to provide services in the European Union.

In the United Kingdom, Indeez is deemed authorised and regulated by the Financial Conduct Authority. The nature and extent of consumer protections may differ from those for firms based in the UK. Details of the Temporary Permissions Regime, which allows EEA-based firms to operate in the UK for a limited period while seeking full authorisation, are available on the Financial Conduct Authority’s website at www.fca.org.uk. Indeez is on the financial services register (https://register.fca.org.uk/) and its firm reference number is 938582.

Indeez (‘we’, ‘our’ or ‘us’) would ask that you take the time to read our Terms of Use carefully as the aim of this document is to outline the terms on which we engage with our Users. 

As a User of our Site or Services, you are agreeing to be bound by these Terms of Use and to comply with any applicable local laws. If you do not agree with any of these terms, you must stop accessing or using our Services.

Your Data and Privacy

For more detailed explanation of how Indeez will collect, use and store information relating to you, and our commitments to protect your privacy, please read our Privacy Policy and our Cookie Policy by clicking on this page.

Online Conduct

By accessing our Site, you agree to abide by the following conduct rules.

You will not:

  1. Use any material or information, including images or photographs, in any manner that infringes any copyright, trademark, patent, trade secret, or other proprietary right of any party.
  2. Upload files that contain viruses, trojan horses, worms, or any other similar software or programs that may damage the operation of another’s computer or property of another, or any other similar software or programs that may damage the operation of computer hardware or software.
  3. Institute attacks upon the Site or otherwise disrupt Indeez.
  4. Use Indeez in connection with surveys, contests, pyramid schemes, chain letters, junk email, spamming or any duplicative or unsolicited messages (commercial or otherwise).
  5. Defame, abuse, harass, stalk, threaten or otherwise violate the legal rights (such as rights of privacy and publicity) of others.
  6. Restrict or inhibit any other User from using and enjoying Indeez’ Services, Site or other content.
  7. Harvest or otherwise collect information about others, including email addresses.
  8. Create a false identity for the purpose of misleading others.
  9. Violate any applicable laws or regulations.

Intellectual Property

All information and material including data, images, text, and audio on the Site is the property of Indeez and/or its licensors and is subject to copyright. All trademarks on the Site are the property of Indeez and/or its licensors. You are entitled to view, copy and print any documents from the Site but only for your own internal business purposes. Any sale, transmission or redistribution of the Site or its contents, and any copying, modification or other use of the Site or its contents for any purposes other than your own internal business purposes, are strictly prohibited.

License

All software used on the Site is the property of Indeez or its software suppliers. We hereby grant you a limited, non-exclusive, royalty-free, non-transferable, revocable license to use the software we own solely for the purposes permitted under these Terms of Use. Other than to the extent permitted by law, you may not decompile, reverse engineer, disassemble, or translate such software.

You acknowledge and understand that certain areas, features and services of the Site are restricted to Customers and/or Registered Users. Unless you are a Customer and/or Registered User, your license to access and use of the Site and Services may be restricted and limited to only those areas, features and services provided at no charge. All rights not herein expressly granted are hereby expressly reserved to Indeez and its affiliates and licensors. Except for the limited rights of access and use granted hereunder, no other right, title or interest to the Site and Services or any intellectual property right pertaining thereto is granted under these Terms of Use.

External Links and Third Party Content

Indeez may provide Users with hypertext links to access third party websites. Indeez has no control over the content of third party websites and therefore assumes no responsibility for such sites. You agree that Indeez shall not be responsible or liable, directly or indirectly, for any damage or loss caused or alleged to be caused by or in connection with use of or reliance on any information, goods or services available on or through the Site. If you decide to access any of the third party sites linked to the Indeez Site, this is at your own risk.

No Warranties

Indeez tries to ensure that all of the information provided on this Site is correct at the time it is included on the Site, but does not make any representation or warranty that the content or information available on this Site is complete, accurate or available or that the Services offered on this Site will be uninterrupted, timely, secure or error-free,. In addition, Indeez does not offer any advice or make any recommendations regarding the Site or the Services, and accordingly does not warrant or represent that (i) the Services offered on this Site will meet your requirements, demands, needs or expectations or (ii) the results that may be obtained from the use of the Services will be accurate or reliable.

Limitation of Liability

Indeez and its shareholders and affiliates shall not be liable for any loss of business, loss of use or of data, interruption of business, lost profits or goodwill, or indirect, special, incidental, exemplary or consequential damages of any kind arising out of these Terms of Use, even if they have been advised of the possibility of such loss and whether or not they had any knowledge, actual or constructive, that such damages might be incurred. This exclusion includes, without limitation, any liability that may arise out of third-party claims against you. Nothing in these Terms of Use excludes a party’s liability for death or personal injury caused by negligence.

Monitoring

You acknowledge that Indeez or its designees have no obligation to monitor your access to, or use of, the Site or Services, but has the right to do so for the purpose of operating the Site and Services, to ensure your compliance with these Terms of Use, or to comply with applicable law or the order or requirement of a court, administrative agency or other governmental or regulatory body. Indeez reserves the right, at any time and without prior notice, to remove or disable access to any Indeez content, third party materials and any User submissions, that Indeez, in its sole discretion, considers to be in violation of these Terms or otherwise harmful to the Site or Services.

During monitoring, information may be examined, recorded, copied, and used for authorised purposes. Use of this Site, authorised or unauthorised, constitutes consent to such monitoring. For more information, please read ‘Your Data and Privacy’ section.

Payments

We receive commissions from insurers and product providers. Any commission we receive will be paid by the insurer or product provider from the total insurance coverage premium or product price. Indeez does not charge any additional fees (payable by User) for handling User’s Services unless we have agreed these with the User in advance of the transaction.

With respect to Paid Services, Customer is responsible for paying the premium (for insurance policies) or price (for other products) in full upfront unless stated otherwise. This payment is non refundable in certain circumstances.

Payments are completely secure on our Site thanks to the online payment system of our partner Stripe, a level 1 PCI / DSS certified payment solution (the highest level of security to pay online). The card / bank details the User enters on our Site are encrypted. In addition, they are only processed by Stripe and are never in Indeez’ possession. When you enter your payment card details for your purchases on our Site, you transmit the information to Stripe. We invite you to read Stripe’s privacy policy here: https://stripe.com/fr-ie/privacy

Cancellation / Termination

With respect to Paid Services, you can make a request for the cancellation of an insurance policy anytime, in accordance with the terms of such policy. Customers have a space dedicated to view their policies and can do this directly on the Site.

In the event of cancellation, charges for our Services will apply in accordance with the ‘Payments’ section above.

In circumstances where we feel we cannot continue providing Paid Services to you or we need to suspend or close your account, we will contact you and attempt to rectify the situation on no less than one occasion. In situations where the situation is not rectifiable we will inform you of our decision to end the Paid Services and/or your account and this will happen during a reasonable time frame dependent on the reason for termination (and any applicable contractual notice period).

Paid Services and/or your account will not be terminated by us without first informing the Customer or the Registered User of the reason for termination.

Valid reasons for termination may include but are not limited to:

  1. Failure to provide requested information or required documents
  2. Deliberate failure to comply with terms set within these Terms of Use or an insurer’s or product provider’s documentation
  3. Deliberate misrepresentation or non-disclosure or attempted fraud
  4. Use of threatening or abusive behaviour or language, or intimidation or bullying of our staff / suppliers
  5. Indeez has reason to believe that it would be unlawful to continue doing business with you or to make or receive any payments to or from you

Unless otherwise agreed in writing or prohibited by applicable laws, regulations or contract, if our relationship ends, any Paid Services previously initiated will be completed according to our Terms of Use.

You will be liable to pay for any Paid Services concluded prior to the end of our relationship unless stated otherwise.

Besides, Indeez reserves the right to deny User access and use of the Site and/or supply of the Services, provided Indeez complies with applicable laws or regulations. 

The sections Payments, No Warranties, Limited Liability and Cancellation/ Termination shall survive the termination of these Terms of Use.

Registration and Password

To access and use the areas, features and services of the Site restricted to Customers and/or Registered Users, you must subscribe to Paid Services and/or register online providing a unique username and password and other information, as applicable. When subscribing to Paid Services and/or submitting registration information, you agree to:

  1. Provide current, accurate and complete registration information;
  2. Keep your registration information current and accurate;
  3. Keep your password to yourself and not share it with anyone else;
  4. Accept full responsibility for any and all use of your account;
  5. Immediately notify us of any disclosure or use of your user name or password that is not authorized by those Terms of Use and to change your password to stop any such further use;
  6. Not register for more than one account;
  7. Not create accounts by any automated means, which are hereby expressly prohibited;
  8. Not use an account, the Site or the Services for any purpose other than the purpose for which it was created by Indeez and intended to be used;
  9. Not use an account, the Site or the Services for any unlawful purpose; and
  10. Not use an account, the Site or the Services for any commercial purpose except as may be expressly permitted by those Terms of Use.

You are responsible for maintaining the confidentiality of your username and password, and are fully responsible for all activities that occur under your username or password. You agree to (i) immediately notify Indeez of any unauthorised use of your username or password or any other breach of security, and (ii) ensure that you exit from your account at the end of each session.

You are also responsible for regularly checking for emails from us and to ensure our emails are not sent to a junk mail folder.

Applicable law

In the case of Users in the United Kingdom, these Terms of Use shall be governed by and interpreted in accordance with the laws of England and Wales, and in relation to any legal action or proceedings arising out of or in connection with these Terms of Use, we both irrevocably submit to the non-exclusive jurisdiction of the Courts of England and Wales.

Changes to these Terms of Use

We may amend these Terms of Use from time to time to comply with the latest rules and regulations and to adapt them to new Services we may render. Please refer to our Site for our latest copy of these Terms of Use. To help you follow the changes, we have added and will amend the latest updated date for these Terms of Use as any material change is incorporated.

As Registered User, we will let you know if and when we do, by informing you of the publication of the updated Terms of Use by a message, banner or pop-up displayed on our Site or by email.

These changes will come into effect as of the publication of the new Terms of Use. Your use of our Site following the publication of the updated Terms of Use will constitute confirmation of your agreement to the new terms. If you have any questions about the changes made to our Terms of Use, please contact us as indicated in the following section.

How to contact us

For any more information or if you have any questions, please contact us here: legal@indeez.co.uk

Copyright © Indeez 2021
All rights reserved

Indeez SAS is listed on the Paris Trade and Companies Register under number 888 048 659 with its head office located at 19 rue du Rocher 75008 Paris, France. Indeez SAS, operating under the Indeez brand, is registered as insurance broker in the ORIAS Register, under number 20006983 (www.orias.fr).
In the UK, Indeez SAS is deemed authorised and regulated by the Financial Conduct Authority (FCA). The nature and extent of consumer protections may differ from those for firms based in the UK. Details of the Temporary Permissions Regime, which allows EEA-based firms to operate in the UK for a limited period while seeking full authorisation, are available on the FCA’s website (www.fca.org.uk). Indeez SAS is listed on the financial services register (register.fca.org.uk) and its FCA registration number is 938582.

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