Website Disclaimer

This disclaimer applies to the website located at www.smart-cover.co.uk (the "Website"), which is operated by Smart-Cover Direct Limited, a company registered in England and Wales. Smart Cover Insurance Services, Smart Cover, and Smart Cover 247 are all trading names of Smart-Cover Direct Limited.

Smart-Cover Direct Limited is an Appointed Representative of City and Commercial Limited (FRN 314346), authorised and regulated by the Financial Conduct Authority. Smart-Cover Direct Limited holds FCA reference number FRN 600428.

Smart-Cover Direct Limited provides this Website as a service to its customers and the general public. The Website is provided for general information purposes and to facilitate the quotation, purchase, and management of insurance products.

While the information contained within this Website is periodically updated and reviewed by Smart-Cover Direct Limited, no guarantee is given that the information provided on this Website is correct, complete, current, or up-to-date. The Website content is provided in good faith, but Smart-Cover Direct Limited makes no warranty - express or implied - as to the accuracy, currency, or completeness of any information on the Website.

Insurance products, pricing, terms and conditions, eligibility criteria, and policy features described on this Website are subject to change without notice. The most current and accurate information regarding any Smart Cover insurance product is contained in the relevant:

• Insurance Product Information Document (IPID) for each product
• Policy Terms and Conditions provided at the time of purchase
• Your individual policy schedule, issued upon inception of cover
• Any formal written communications issued by Smart-Cover Direct Limited to you as a policyholder

In the event of any conflict or inconsistency between information on this Website and the terms of your individual policy, the terms of your policy document shall prevail.

To the fullest extent permitted by applicable law, Smart-Cover Direct Limited does not accept any responsibility or liability for any loss, damage, cost, expense, or liability of any kind which may arise directly or indirectly from:

• Reliance on information contained on or accessed through this Website
• Any error, inaccuracy, omission, or incompleteness of information on this Website
• Any failure of performance, error, omission, interruption, defect, delay in operation or transmission, computer virus, or line or system failure
• Loss or corruption of data, or failure of computer hardware, software, or telecommunications equipment
• Access to this Website being delayed, interrupted, or denied for any reason
• Any action taken in reliance on material or information contained on this Website

This Website and its contents are provided "AS IS" without warranty of any kind, either express or implied, including but not limited to the implied warranties of merchantability, fitness for a particular purpose, or non-infringement. Smart-Cover Direct Limited makes no warranty that this Website will be uninterrupted, error-free, or free from viruses or other harmful components.

All content on this Website - including but not limited to text, graphics, logos, images, audio clips, video content, data compilations, and software - is the property of Smart-Cover Direct Limited or its content suppliers and is protected by copyright under international conventions and applicable UK law.

The Smart Cover name, logo, trademarks, and all related names, logos, product and service names, designs, and slogans are trademarks of Smart-Cover Direct Limited or its associated companies. You must not use such marks without the prior written permission of Smart-Cover Direct Limited. All other names, logos, and trademarks are the property of their respective owners.

Smart-Cover Direct Limited grants you a limited licence to access and use this Website for personal, non-commercial purposes only, subject to the restrictions set out in this disclaimer. By using this Website, you agree to use it only for lawful purposes and in a manner that does not infringe the rights of, restrict, or inhibit anyone else's use and enjoyment of the Website.

Reproduction, distribution, republication, or retransmission of material contained within this Website is prohibited unless prior written permission has been obtained from Smart-Cover Direct Limited. Requests for permission should be directed to enquiries@smart-cover.co.uk.

This Website may contain links to other websites, including those operated and maintained by third parties such as the Financial Conduct Authority (FCA), the Financial Ombudsman Service (FOS), insurance providers, affiliate partners, review platforms, and other external organisations.

These links are included solely as a convenience to you. The presence of a link on this Website does not imply:

• Responsibility or liability for the linked website or its content
• Endorsement of the linked website, its operator, its products, or its services
• Any commercial relationship between Smart-Cover Direct Limited and the linked website operator
• That the linked website is subject to the same privacy and data protection standards as this Website

Smart-Cover Direct Limiteddoes not control or monitorthe content of third-party websites and accepts no responsibility for the accuracy, legality, or appropriateness of content found on any linked website. You access third-party websites entirely at your own risk.

The materials contained on this Website are provided for general information purposes only. Nothing on this Website constitutes:

• Legal advice or a legal opinion of any kind
• Financial advice regulated under the Financial Services and Markets Act 2000
• A personal recommendation in respect of any insurance product
• Accountancy, tax, or professional advice of any other kind

Smart-Cover Direct Limited is an insurance intermediary authorised and regulated by the Financial Conduct Authority to arrange, and in certain cases administer, insurance contracts. The information on this Website is provided to assist you in understanding the insurance products Smart Cover offers. It does not replace the need to read your own policy documentation carefully.

If you require legal, financial, or other professional advice specific to your circumstances, you should consult a qualified and appropriately regulated professional adviser.

Smart-Cover Direct Limited does not warrant that this Website or any content on it will be available at any particular time or location, or that access will be continuous, uninterrupted, timely, or error-free. The Website may be taken offline temporarily for maintenance, upgrades, or reasons beyond our reasonable control.

Smart-Cover Direct Limited uses reasonable security measures to protect this Website and the information transmitted through it. However, no data transmission over the internet can be guaranteed to be 100% secure. Smart-Cover Direct Limited cannot guarantee the security of any information you transmit to or from this Website, and any such transmission is at your own risk.

• You are responsible for maintaining the confidentiality of your Smart Cover account credentials
• You should ensure your own systems and devices are protected with appropriate security software
• You should be vigilant about phishing attempts that may impersonate Smart Cover
• If you suspect unauthorised use of your account, contact Smart Cover immediately on 03333 449 559

Smart Cover Insurance Services, Smart Cover, and Smart Cover 247 are all trading names of Smart-Cover Direct Limited. This Website is intended for customers and prospective customers based in the United Kingdom and is subject to the UK regulatory regime.

The Financial Ombudsman Service (FOS) is available to eligible complainants who are not satisfied with Smart Cover's handling of a complaint. Full details of the FOS can be found at www.financial-ombudsman.org.uk. The FOS can be contacted by telephone on 0800 023 4 567or by writing to: Financial Ombudsman Service, Exchange Tower, London, E14 9SR.

Smart-Cover Direct Limited is also registered with the Information Commissioner's Office (ICO) as a data controller under the UK GDPR and the Data Protection Act 2018. Our privacy practices are detailed in our Privacy Policy.

Smart-Cover Direct Limited reserves the right to amend, update, or revise this disclaimer at any time without prior notice. Changes will take effect immediately upon publication on this Website.

The date shown at the top of this page and in the document metadata indicates when this disclaimer was last revised. It is your responsibility to review this disclaimer periodically. Your continued use of this Website following any changes constitutes your acceptance of the revised disclaimer.

Material changes to this disclaimer - particularly those that may affect your rights or the basis on which we provide services - will, where reasonably practicable, be brought to your attention via a notice on the Website homepage or by direct communication to registered customers.

This disclaimer and any dispute or claim arising from or in connection with its subject matter or formation (including non-contractual disputes or claims) shall be governed by and construed in accordance with the laws of England and Wales.

You and Smart-Cover Direct Limited irrevocably agree that the courts of England and Wales shall have exclusive jurisdiction to settle any dispute or claim that arises out of or in connection with the use of this Website or this disclaimer.

If any provision of this disclaimer is found by any court or other authority of competent jurisdiction to be unlawful or unenforceable, that provision shall be deemed to be severed from the rest of this disclaimer, and the remaining provisions shall continue in full force and effect.

If you have any questions about this disclaimer, or if you would like to request permission to reproduce content from this Website, please contact Smart-Cover Direct Limited using the details below.