These Terms and Conditions will govern our relationship with you so please read these carefully.
- Introduction
The App is owned and operated by the Insafe financial consulting LLC. For the purposes of these Terms and Conditions, references to “we”, “us”, “our” or “App” are to Insafe financial consulting LLC.
- Definitions
In these Terms and Conditions:
- “Product” means any third-party product or service that we display on our App;
- “App” means mobile Apps or other similar devices, channels, or Apps operated by or on behalf of Insafe financial consulting LLC; and
- “User” means private individual, who has concluded a Public Agreement with the App, for using App with the conditions and rules preliminarily announced and defined by the us .
- Your acceptance of these Terms and Conditions
Access to and use of the App is subject to these Terms and Conditions and our Privacy Policy. By accessing and using the App you agree to be bound by and to act in accordance with these Terms and Conditions and our Privacy Policy. If you do not agree to these Terms and Conditions or our Privacy Policy, you should stop using and/or accessing the App immediately. If you breach any term of these Terms, your right to access and use the App will cease immediately.
- Changes to these Terms and Conditions
We reserve the right to amend these Terms and Conditions from time to time by amending this document. The amended Terms and Conditions will be effective from the date they are posted on the Site.
- How to contact us
a. If you have any questions about these Terms and Conditions, or would like to contact us for any other reason, you can reach us by email: Insafe@insafe.am
b. If you are dissatisfied with any aspect of our App or our service, and would like to make a complaint, see Complaints below.
- App
- Our service
We provide an independent online service which enables you to research and compare, financial products or services provided by third parties. Our comparison service has fees that you can see in App. Our customer services team is available to support with any offline queries.
- Permitted use
a. The App is for your personal, non-commercial use only. They may only be accessed and used by a private individual. Access to and use of the App other than for your personal, non-commercial purposes is strictly prohibited.
b. You are not permitted to use the App:
- in any unlawful, fraudulent or commercial manner;
- to harm, threaten, abuse, embarrass, defame, libel, intimidate or harass another person, or in a way that invades another person’s privacy or is obscene, offensive, indecent, inappropriate, objectionable, unacceptable or damaging as determined by us;
- to create, check, confirm, update, modify or amend another person’s records;
- to tamper with, modify, reverse engineer or amend any part of this App;
- in a way that interferes with, disrupts or imposes an unreasonable or disproportionately large burden on our communications and technical systems; or
- with any automated software, process, program, robot, web crawler, spider, data mining, trawling or other “screen scraping” software, process, program or system.
c. This App is intended for use only by customers who are located in the Republic of Armenia. We make no warranty or representation that any Product and/or any service we provide is available or otherwise appropriate for use outside of the Republic of Armenia. If you choose to use the App from locations outside the Republic of Armenia, you do so at your sole risk and you are responsible for compliance with all applicable local laws.
d. You must be aged 18 years and over to create an account on the App, please see our Privacy Policy for more detail on how we use your personal information.
- Intellectual Property
a. The trade marks, copyright, database rights, and other intellectual property rights in the App and in the information, content, material, or data that we display on the App belong to us or our licensors, and all such rights are reserved. You must not use such information or copyright material unless you have written permission from us to do so.
b. You may temporarily print, copy, download or store extracts of information, content, material, or data displayed on the App for your own personal, non-commercial use, provided you do not otherwise breach these Terms and Conditions.
c. All rights are owned by or licensed to us.
d. You will retain ownership of any content that you submit, or otherwise, make publicly available on or through the App. You grant us a perpetual, irrevocable, transferable, worldwide, royalty-free and unlimited licence to use such User Content in any manner and for any purpose.
- Payments
a. You agree to pay any fees and/or other charges incurred by you in accordance with any payment provisions set out on the App.
b. In general, payment for a Product could be made also on the relevant third party website or other devices when applying for that Product.
c. Payment methods other than those stated on the App will not be accepted. If necessary, we may pass your card details and personal details to the relevant third party, who may take payment for the Product in accordance with its terms and conditions. We may charge you any handling fees that we or the relevant third party may incur in respect of your App. We will always inform you of any such charges before they are incurred.
- Security
We subscribe to the latest in internet security standards so you can use our App with confidence online. When you enter a protected area, a small padlock or key will be displayed at the bottom of the screen indicating that you have a secure connection with us. You can rest assured that the information you supply is encrypted and cannot be read by anyone else.
- Your responsibilities
You agree that you will be liable to us for any damage, loss, claim, demand, liability or expense (including reasonable legal fees) that we may suffer or incur arising out of or in connection with your conduct on the App and/or your breach of these Terms and Conditions.
- Your personal information and user content
a. Our service allows you to search for and compare various types of Products from different providers. You will need to answer a number of questions on the App in order to compare or obtain a quote for any Product. These questions are designed to ensure that we and all relevant Providers have all the information necessary to provide you with appropriate and timely information relating to the products in which you are interested. Aspects of a Product such as the level of cover (if applicable) and the amount you will pay will be determined by the answers you provide to these questions. It is therefore very important that you answer all of the questions truthfully, completely, and accurately and that you disclose all relevant facts. Failure to do so could invalidate the Product you purchase In order to apply for a Product, you must contact the relevant provider.
b. If you are in any doubt as to whether any information is relevant or required to be disclosed or that something may be incorrect you should disclose it to your proposed provider before you apply for a Product.
c. Before you obtain any Product from a provider, you must check all of the information, content, material, or data the provider holds about you to ensure it is correct, complete, accurate, and not misleading and that you have disclosed all relevant facts. It is your responsibility to identify and correct any mistakes or errors in the information, content, material, or data before you obtain any Product. Failure to do so could invalidate the Product.
d. If you create any usernames and passwords when using the App, they must be kept confidential by you and must not be shared with anyone. If you do disclose to anyone your username, password, and/or other identification information, you are solely responsible for all activities undertaken using your username, password, and/or other identification information.
e. We will use your personal information:
- to send you emails, in-App messaging, and/or push notifications at your request to help you use the App service (e.g. to reset your password or update your details);
- to alert you to changes to our services (e.g. changes to our Terms and Conditions);
- For your products, to provide you with relevant offer email alerts;
- To turn off communications from the App, such as new offers alerts, you can go to your App settings.
- To unsubscribe in full from any Services provided through the App and to stop any processing of your data in order to provide these Services:
- for Services connected to a car or home address that you have registered in the App simply go into your “My Policies” section within the App and delete the relevant car or home address from “My Policies”. This will also unsubscribe you from the related email alerts.
- Suitability of Products
a. The Products displayed on our App are not provided by us but by third parties over whom we do not have control.
b. You should always check the suitability, adequacy, and appropriateness of the Product that is of interest to you. It is your responsibility to satisfy yourself that you wish to obtain any Product before applying for it. If you are in any doubt as to the suitability, adequacy, or appropriateness of any Product referred to on the App, we suggest that you seek independent professional advice before you obtain it.
c. The App provides information on a wide range of products and services but there may be other products or services available on the market which are not shown on the App and which may be more appropriate or suitable for you than those shown on the App.
- Third-party websites and services
a. Your use of any Provider websites and your obtaining of any Products will be subject to the Provider’s own terms and conditions (which will be different from ours). It is very important before you apply for any Product that you carefully read the accompanying terms and conditions, the Provider’s terms and conditions, and any other documentation that applies to the Product. You must familiarize yourself with all the details of the product, for example:
- the restrictions, exclusions, conditions, and obligations which apply to the product;
- the interest rate, any early redemption charges, restrictions, exclusions, conditions, and obligations which apply to the product;
b. Any links to third-party websites on our App or in our emails are provided for your interest and convenience only. These websites are owned and operated by third parties over whom we do not have control. We do not endorse, recommend or accept responsibility for such third parties, their products or services, their websites, or for any information, opinions, or views given or advice provided by such third parties (whether on their websites or otherwise).
- Our responsibilities and our liability to you
- The information on our App
a. We aim to ensure that the material on the App is accurate. We also try to correct any errors or omissions as soon as we can after being notified of them. However, we are not able to guarantee that the material on the App is accurate and free from errors or omissions at all times. We reserve the right to add, amend, delete, edit, remove or modify any information, content, material or data displayed on the App at any time and without notice.
b. Nothing on the App is financial, investment or other advice or a recommendation or endorsement by us in respect of any Product referred to on a App. Information on the App is provided for general information purposes only, should not be relied upon by you and is provided so that you can select the Product that you feel is most appropriate to meet your needs.
c. The information and descriptions of Products on the App 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 Site) of any Product before applying for it.
d. Some of our channels provide you with access to third party websites that host reviews about products and services. Sometimes you may also be able to access user reviews directly on the App. The views expressed in any such reviews do not represent our views or the views of our associated companies.
e. From time to time, we will run promotional offers or competitions (Offers) on our App. These will be subject to specific terms and conditions. All Offers will only be open to participation while they are promoted on our App.
- Availability of the Site
We aim to provide uninterrupted access to the App but we give no warranty on this. We reserve the right to suspend, restrict or terminate your access to the App at any time.
- Exclusions of our liability
Subject to the paragraph immediately above, we do not accept any responsibility or liability for any loss or damage you may incur:
- if any information, content, material, or data you provide on the App is not correct, complete, and accurate, or if it is misleading, or if you fail to disclose all relevant facts;
- in the event that any Product you apply for does not meet your requirements or is not suitable for you;
- in connection with the accuracy or content of any reviews of products or services displayed on our App or on any other website that you may access via our App;
- for any acts, omissions, errors, or defaults of any third party in connection with that product or service;
- which are indirect or not foreseeable by us when you accessed or used the App;
- arising from an inability to access the App, from any use of the App, or from reliance on the data transmitted using the App where such losses or damages are caused by any event beyond our reasonable control including as a result of the nature of electronic transmission of data over the internet.
- Complaints
a. We aim to provide you with an excellent service at all times. If you are unhappy with our service for any reason, please contact our Customer Services Team.
b. We will aim to send you a formal acknowledgement of your complaint within 48 hours and to resolve it as soon as possible. After we have had an opportunity to investigate your concerns, we will issue you a final response.
c. If you are unhappy with any product or service you have obtained from a third party or have any complaint regarding any third party, you should address your complaint directly to that third party. If you require their contact details, please contact our Customer Services Team who will be happy to assist.
- Legal
a. If any provision of these Terms and Conditions is held to be unlawful, invalid, or unenforceable, that provision shall be deemed deleted from these Terms and Conditions and the validity and enforceability of the remaining provisions of these Terms and Conditions shall not be affected.
b. These Terms and Conditions, together with our Privacy Policy, constitute the entire agreement between you and us relating to your access to and use of the App and supersede any prior agreements (including any previous terms of use of the App).
c. No failure or delay by us in exercising any right under these Terms and Conditions will operate as a waiver of that right nor will any single or partial exercise by us of any right preclude any further exercise of any right.
d. These Terms and Conditions and your access to and use of the App shall be governed by and interpreted in accordance with the laws and regulations of Republic of Armenia.
e. Each of you and us submits to the exclusive jurisdiction of the courts of Republic of Armenia in connection with these Terms and Conditions and your access to and use of the App (including any claims or disputes).
- Eligibility Checker
Our Eligibility Checker tools match your data to the criteria companies are looking for to see your chances of successfully obtaining a particular product such as a credit card or personal loan. These Eligibility Checker tools have been built in partnership with certain trusted third party providers If you submit your details when using our Eligibility Checker tools, we can pass your information to those Eligibility Checker Providers. For further information about how your details will be used, please read the rest of these Terms and Conditions, the Eligibility Checker Providers’ terms and conditions, and our Privacy Policy.