Terms & Conditions

1 – About Gavello

This Website (www.gavello.co.uk) is owned and operated by 1st Tech Group Limited (a company registered in England, Company Number 14001276) and our registered address is:
1st Tech Group Limited
Granta Lodge
71 Graham Road
Malvern
Worcestershire, WR4 2JS

1st Tech Group Limited is authorised and regulated by the Financial Conduct Authority (FCA). Our registration number is 1008478.

2 – Definitions

• “You” or “your” means the person who proposes to use or is using this Website;
• “We”, “us”, and “our” means this Website and its owner, 1st Tech Group Limited.

3 – What We Do

The purpose of this Website is to assist you in finding providers of insurance products (Providers). With your consent, we will share the details of your insurance needs, as you provided them, with our insurance provider partners. In turn, they may selectively respond via our Website with indications of price and associated features against the insurance needs that you have provided (the Responses).

Via our Website, you can then review the Responses received from our Providers and select one with whom you wish to discuss your insurance needs in more detail. When you make this selection, with your consent, we will share your contact details with the Provider you have chosen so that they may contact you for this purpose.

You are also consenting that if you do not select any Provider based on the Responses received, we may select one on your behalf and share your contact details with that Provider so that they may contact you to discuss your insurance needs in more detail.

If, in outlining your insurance needs, you do not provide sufficient information for our Providers to offer Responses, with your consent, we may share your contact details with our Providers so that they may contact you to discuss your insurance needs in more detail.

All Responses are obtained from Providers, and you will be purchasing the insurance policy directly through them, which will be subject to their own terms and conditions and service procedures. You will not be purchasing the insurance policy from us.

By using these services via our Website (the Services), you agree to enter into a contract with us on the terms (Terms) set out below and to be legally bound by these Terms with effect from the date of such use. We may amend these Terms of Use from time to time, and the revised version will be effective when displayed here.

4 – Product and Service Obligations

You are responsible for:

• Answer all questions honestly, completely, and to the best of your knowledge, and ensure that any assumptions made are correct.
• Failure to do so may lead to an insurance policy being invalid or an increase in cost. You may also be liable for any third-party costs in the event of an accident.

For any non-insurance policy products and services, the above caveats still apply.

Before purchasing an insurance policy, it is extremely important that all the information the Provider holds on you is accurate. You should, therefore, ensure that all information you provide to us is complete and accurate. Again, failure to do this may lead to your insurance being invalid or an increase in the cost of that policy.

We do not provide financial, investment, or other advice in relation to these products or services, nor do we provide a recommendation or endorsement of products or Providers.

It is important that you read the Provider’s terms and conditions to check that you understand and agree with them. The Provider’s terms and conditions are not the same as ours, and they will be the terms you agree to when you purchase from them.

It is important that you read all insurance documents issued to you by the Provider and ensure that you are aware of the cover, limits, and other terms that apply. Failure to comply with the Provider’s terms and conditions could invalidate your policy.

You should also check that all your details on the policy documents issued to you by the Provider are correct, including any assumptions that may have been made on your behalf by the Provider. Failure to inform the Provider of any errors or missing information could invalidate your policy.

Where you provide information about any other individual (e.g., named driver), you are confirming to us that you have the authority to do so.

You may wish to take the following steps when purchasing a product or service from a third-party website:

• Read and ensure that you understand the terms and conditions of their website and the terms and conditions of any product or service you might be agreeing to;
• Clarify and/or check your understanding of relevant terms and conditions by seeking independent advice, for example, if the proposed transaction is of significant financial value to you or your insurance criteria are particularly unique or high-risk and/or
• We regularly check that all our partners are regulated; however, if you wish to check that the insurance provider you are dealing with is regulated (for example, by the Financial Conduct Authority), you can do this by checking the Financial Services Register on the Financial Conduct Authority’s website: https://register.fca.org.uk/.

5 – Access to Our Website and Visitor Conduct

Owing to the nature of the Internet, we cannot guarantee that this Website will always be available to you. You should ensure that you have appropriate protection against viruses and other security arrangements in place whilst using the Internet.

You are permitted to use our Website for your own purposes and to print and download material provided that you do not modify any content without our consent. Material on this Website must not be republished online or offline without our permission.

The copyright and other intellectual property rights in all material on this Website are owned by us or our licensors and must not be reproduced without our prior consent.

With the exception of personally identifiable information, the use of which is covered under our Privacy Policy, any material you send or post to this Website shall be considered non-proprietary and not confidential. Unless you advise to the contrary, we will be free to copy, disclose, distribute, incorporate, and otherwise use such material for any and all purposes.

When using this Website, you shall not post or send to or from this Website any material for which you have not obtained all necessary consents, is discriminatory, obscene, pornographic, defamatory, liable to incite racial hatred, in breach of confidentiality or privacy, which may cause annoyance or inconvenience to others, which encourages or constitutes conduct that would be deemed a criminal offence, give rise to civil liability, or otherwise is contrary to the law in the United Kingdom.

You must not misuse our Website by knowingly introducing viruses, trojans, worms, logic bombs, or other material which is malicious or technologically harmful. You must not attempt to gain unauthorised access to our Website, the server on which our Website is stored, or any server, computer, or database connected to it.

6 – Links to and from Other Websites

Links to other websites, advertisements for, or references to other companies mentioned on our Website are there for information purposes only. We have no control over and, therefore, do not accept responsibility for the content or accuracy of information contained within these third-party sites nor for the services offered by third-party companies.

You may create a hypertext link to the homepage of this Website at www.gavello.co.uk, provided that such a link is not used in a misleading or defamatory context. You may also create links to other pages forming part of the Website. We do reserve the right to ask you to remove any links to our site and its pages or files at our own discretion.

7 – Use of Your Personal Information

As part of the provision of the Services, 1st Tech Group Limited will be acting as a ‘controller’, as such term is defined under the General Data Protection Regulations 2016/679 (GDPR) and is registered with the Information Commissioner’s Office as a controller with registration number ZB772910. Please see our Privacy Policy for further information on how we handle your personal data.

By using our Services, you acknowledge that you understand the scope of our Services and how we use Personal Data (as such term is defined in the GDPR) relating to you.

You agree not to upload, transmit, or send any Personal Data to us via our Website or otherwise, which you are not lawfully authorised to upload, transmit, or send for use by us as set out in these Terms and our Privacy Policy.

By uploading, transmitting, or sending any Personal Data to us, whether via our Website or otherwise, you are representing to us that you have all necessary authority and have obtained any consents required to enable us lawfully to use such Personal Data in accordance with the terms set out in our Privacy Policy.

8 – Exclusion of Liability

Whilst we take all reasonable steps to ensure that the information on this Website is correct, we rely on the information that you have provided to us in order to share the Responses that we receive back from Providers. We hope that the Responses we obtain will allow you to identify a Provider with whom you may wish to discuss your insurance needs in more detail. Accordingly, we do not accept responsibility for the accuracy of any Responses displayed.

The display of an indication of price on our Website is not a representation from us that the related product will be available to you at the price shown. If you rely on any information or other material contained in our Website, you do so entirely at your own risk and you accept that all warranties, conditions, and undertakings, express or implied, whether by common law, statute, trade usage, course of dealings, or otherwise in respect of this Website are excluded to the fullest extent permitted by law.

We are not responsible for:
8.1 Any reliance that you may place on any material or commentary posted on our Website. Please note that nothing contained in our Website or the material published on it is intended to amount to advice on which you should rely or
8.2 Any losses you suffer because the information you input into our Website is inaccurate or incomplete or
8.3 Any losses you suffer if the information you input into our Website is accurate but a Provider has not accurately reflected that information or
8.4 Any losses you suffer if you misrepresent any fact which may influence a Provider’s decision to accept the risk or the terms offered or
8.5 Any losses you suffer because you cannot use our Website at any time or
8.6 Any losses you suffer through connecting to any linked third-party websites or any statements, information, content, products, or services that are published on or may be accessible from any linked third-party website, and we do not guarantee that they are free from viruses or anything else that could be infectious or destructive; or
8.7 Any errors or omissions from our Website or
8.8 Any losses you may suffer by relying on any commentary, postings, or reviews (of our Services or those of our partners) on our Website or
8.9 Any losses 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 our Website or to your downloading of any material posted on it, or on any website linked to it; or
8.10 The privacy policies and practices of other linked third-party websites, even if you access them using links from our Website or
8.11 Any unauthorised access or loss of personal information that is beyond our control.

This Website is directed only at UK residents, and nothing within it or these terms constitutes an offer or promotion of services or products to persons outside the United Kingdom. We do not make any warranty or representation that the Services we offer are available or appropriate for use by those outside the UK. Should you choose to use the Services we provide outside the UK, you do so at your own risk, and it is your responsibility to ensure that you are compliant with any applicable local laws.

9 – How We Are Paid

Your use of this Website is free. Providers may pay us a commission so that, with your consent, we may pass your contact details to them.

10 – Complaints

We set ourselves very high standards and do our utmost to maintain these high standards in everything we do. In rare situations where you may feel those standards have not been maintained, we would like you to tell us via email at support@gavello.co.uk or by writing to:

1st Tech Group Limited
Granta Lodge
71 Graham Road
Malvern
Worcestershire, WR4 2JS