Whose products do we offer?

Insurance- We offer products from a panel of insurers for Life Insurance, Critical Illness Cover, Mortgage Protection, Income Protection, Over 50’s Plans, Buildings and Contents cover and Private Medical Insurance.

Ask us for a list of the insurers we offer insurance from.

​Which service(s) will we provide you with?

Insurance – We will advise and make a recommendation for you after we have assessed your needs for all non-investment insurance products.

​What will you have to pay us for our services?

Insurance – No fees are charged directly to our customers. Instead we are paid varying rates of commission by the insurers.

​Who regulates us?

We are authorised and regulated by the Financial Conduct Authority (FCA). Our Firm Registration Number is 921251.
Our permitted business is ‘advising on and arranging non-investment insurance contracts’.

You can check this on the Financial Services Register by visiting the FCA’s website (click here) or by contacting the FCA on 0800 111 6768 (free phone) from 8am and 6pm, Monday to Friday (except public holidays) and 9am to 1pm, Saturdays.

​What to do if you have a complaint

If you wish to register a complaint, please contact us:

In writing:
Complaints Department

Your Home Quote
12 Celtic Trade Park, Bruce Road Fforestfach, Swansea, SA5 4EP
By telephone: 0333 772 1284

By email: info@yourhomequote.co.uk

If you cannot settle your complaint with us, you may be entitled to refer it to the Financial Ombudsman Service.

​

Are we covered by the Financial Services Compensation Scheme (FSCS)?

We are covered by the FSCS. You may be entitled to compensation from the scheme if we cannot meet our obligations. This will depend on the type of business and the circumstances of the claim.

​

Insurance
Insurance advising and arranging is covered for 90% of the claim, without any upper limit.

For compulsory classes of insurance, insurance advising and arranging are covered for 100% of the claim, without any upper limit.

Further information about compensation scheme arrangements is available from the FSCS.

​

​

PRIVACY POLICY

​1.    INTRODUCTION

This Privacy Policy explains what information Your Home Quote Ltd collects about you and why, what we do with that information, how we share it, and how we handle the content you place in our products and services. It also explains the choices available to you regarding our use of your personal information and how you can access and update this information.

Your Home Quote Ltd (“We”, “us”, or “our”) is strongly committed to issues of privacy and this policy sets out our approach to the collection, storage, usage and transfer or disclosure of collected information. To ensure that we are deserving of your continuing trust, we provide this Privacy Policy and promise not to collect, use, share, or retain your personal data in a manner inconsistent with these terms.

Please review this Privacy Policy carefully as you, the user or visitor, must agree to it in its entirety in order to continue to access our Services, which include our website, www.yourhomequote.co.uk

2.    SERVICES

This policy applies to any visitors to this web address or users of our Services provided at this web address. This website is also one of our Services.

3.    THE INFORMATION THAT WE COLLECT

a.    Personal Data. When you visit our website, we obtain your explicit consent to our use of cookies and other tracking technologies, through your interaction with the notification that is displayed when you visit our website.  Such technologies record information about visitors, such as IP address, referring URL, unique browser characteristics, and cookie information. While the information collected by trackers is not linked by us to your name or identity, all visitors and users should be aware that the information may be sufficient to allow third-party marketing networks to provide advertising that would be more relevant to you.  We also collect certain personal data, which you voluntarily provide when you use the website to communicate with us or register for a user account to access our Services. This data can be used to identify you, such as your name, e-mail address, mailing address, and telephone number.

b.    Special Categories of Sensitive Personal Data. Our Services do not collect data considered to be sensitive personal data, especially as defined by European Law.  Accordingly, our Services do not knowingly collect any information about your race, national origin, sexual preference or practices, disabilities, political affiliations, philosophical beliefs, trade-union memberships, or health.

c.     We Do Not Collect Information from Children or Market to them. You must be 18 or older to access our Services. We do not intentionally market to, solicit, provide services to, or store the information of minors.

4.    HOW WE USE YOUR INFORMATION

We may use your information to:

•  Enhance or improve the user experience of our Services;

•  In accordance with the performance of any agreement with you;

•  Learn information about our audience, such as the rough geographic location of our visitors, what devices they are   using to  access our services, the times of visits, and whether they repeat visitors;

•  Process transactions with you;

•  Send e-mails and updates to you about our Services;

•  Perform any other function that we believe in good faith is necessary to protect the security or proper functioning of our  Services.

Before retaining your information for any period longer than necessary to fulfil the stated uses, or before changing the stated uses of your personal information, we will obtain the explicit consent of all users. Visitors who are not users will be notified of changes to this policy through the publication of the date of this policy’s drafting, and prior versions shall be available for viewing on this website.

5.    ACCESSING, EDITING, AND REMOVING YOUR INFORMATION

If you create an account with us, you are able to review, edit, delete, and export, the personal data that you have provided to us by logging into your account for Services and utilising options in your user profile. Although most changes may occur immediately, information may still be stored in a web browser’s cache. We take no responsibility for stored information in your cache, or in other devices that may store information, and disclaim all liability for such. In addition, we may, from time to time, retain residual information about you in our backups where it may be impractical or impossible for us to access this information, or we may retain information regarding our past transactions with you for our own records.

6.    HOW AND WHY WE USE COOKIES

We use cookies to create a session and remember a type of user as they access this website. We obtain explicit consent from you through your interaction with the notification that is displayed when you visit our website.  Cookies provide additional security and convenience beyond simply identifying users based on their IP address, such as individual settings about your preferences, or information necessary to deliver the user experience. For this reason, it is necessary that you enable cookies in your browser, and you hereby acknowledge that we have informed you of our use of cookies and that you consent to our use of cookies in relation to your computer system. You may disable cookies, but we cannot guarantee that the website or Services will function properly. Because browsers and devices are constantly changing, we cannot provide detailed instructions on how to disable cookies on every device, however, you may find this article useful: http://www.wikihow.com/Disable-Cookies.  You may also wish to use an internet search engine, and enter a text search for “How to disable cookies”. Please be advised that disabling cookies, using a “private browsing” feature, or even using specialised browsers and virtual private network connections will not provide complete anonymity on the Internet.

7.    WE DO NOT CONTROL THIRD-PARTY WEBSITES

We may post links to third-party websites within our Services. Such a posting is in no way an endorsement of the privacy terms or policies that relate to these websites. We bear no responsibility for the data collected or used by any advertiser or third-party website at these URLs. We do not screen these third-party websites or web services, and you release us from any liability for the conduct of these third-party websites. Please be aware that this Privacy Policy and the rest of the Agreement do not create any rights enforceable by third parties.  Please review the privacy policy and terms of service for each site you visit through third-party links.

8.    LIMITED THIRD PARTIES WILL HAVE ACCESS TO YOUR DATA

Although you are entering into an agreement with us to disclose your information to us, we do occasionally use third-party individuals and organisations to assist us with web hosting, e-newsletters and google analytics.

Throughout the course of the provision of our Services to you, we may delegate our authority to collect, access, use, and disseminate your information. For example, our web host stores the information that you provide us, and we may hire outside contractors to perform maintenance or assist users in securing our Services. To the extent that we use third parties to process your data, we utilise safeguarding measures and mechanisms to ensure that your personal data is always safe and secure.

It is, therefore, necessary that you grant the third parties we may use in the course of our business the same rights that you afford us under this Privacy Policy. For this reason, you hereby agree that for every authorisation which you grant to us in this Privacy Policy, you also grant to any third party that we may hire, contract, or otherwise retain the services of for the purpose of operating, maintaining, repairing, or otherwise improving or preserving our website or its underlying files or systems. You agree not to hold us liable for the actions of any of these third parties, even if we would normally be held vicariously liable for their actions, and you agree that you must take legal action against them directly should they commit any wrong against you.

Without limiting the parties that we may use, you specifically authorise us to collect, store, share, and otherwise, use your information in conjunction with Google Analytics, for further information follow this link: https://www.google.com/policies/privacy/

9.    Social Media Platforms

Communication, engagement and actions taken through external social media platforms that this website and its owners participate in are custom to the terms and conditions as well as the privacy policies held with each social media platform respectively. Users are advised to use social media platforms wisely and communicate/engage with them with due care and caution in regard to their own privacy and personal details. This website nor its owners will ever ask for personal or sensitive information through social media platforms and encourage users wishing to discuss sensitive details to contact them through primary communication channels such as by telephone or email. This website may use social sharing buttons which help share web content directly from web pages to the social media platform in question. Users are advised before using such social sharing buttons that they do so at their own discretion and note that the social media platform may track and save your request to share a web page respectively through your social media platform account.

Shortened Links in Social Media

This website and its owners through their social media platform accounts may share web links to relevant web pages. By default some social media platforms shorten lengthy urls [web addresses]. Users are advised to take caution and good judgment before clicking any shortened urls published on social media platforms by this website and its owners. Despite the best efforts to ensure only genuine urls are published many social media platforms are prone to spam and hacking and therefore this website and its owners cannot be held liable for any damages or implications caused by visiting any shortened links.

Resources and Further Information

• Data Protection Act 1998

• Privacy and Electronic Communications Regulations 2015

• Twitter Privacy Policy

• Facebook Privacy Policy

• Google Privacy Policy

• Linkedin Privacy Policy

10.    WE MAY HAVE TO RELEASE YOUR INFORMATION FOR LEGAL PURPOSES

At times, it may become necessary to release your information in response to a request from a government agency or a private litigant with valid authority. You agree that we may disclose your information to a third party where we believe, in good faith, that we must do so for purposes of a civil action, criminal investigation, or other legal matter pursuant to a request by a competent authority. In the event that we receive a subpoena affecting your privacy, we may notify you to give you an opportunity to legally intervene, or we may attempt to block the subpoena ourselves, but we are not obligated to do either. We may also proactively report you, and release your information to, third parties where we believe that it is prudent to do so for legal reasons, such as our belief that you have engaged in illegal or fraudulent activities. You release us from any damages that may arise from or relate to the release of your information in response to a request from law enforcement agencies or private litigants.

11.  YOU AGREE TO RECEIVE MESSAGES FROM US UNLESS YOU TELL US OTHERWISE

Providing your email address or physical address to us establishes a relationship with us through which we may contact you. Providing this information also demonstrates your consent that we may use this information for purposes disclosed in this Privacy Policy. You may unsubscribe from certain communications by notifying us that you no longer wish to receive solicitations or information and we will endeavour to prevent you from receiving further such communication.

12.  WE ARE SECURE, AND WE RECOMMEND YOU ALSO TAKE PRECAUTIONS

We have in place all generally accepted standards of technology and operational security in order to protect the personal information submitted to the Site from loss, misuse, alteration or destruction and to ensure compliance with the requirements of all applicable data protection and privacy legislation. However, we make no representations as to the security or privacy of your information and all users of the Site submit personal information to the Site at the user’s own risk. It is in our interest to keep our Services secure, but we strongly recommend that you use anti-virus software, firewalls, unique passwords, and other precautions to protect yourself from security threats.

13.  DATA CONTROLLER

Your Choice Cover Ltd (registered in England and Wales, company number 09574496 and with a registered address at Corporation House, Corporation Road, Swansea SA4 6SD) is the data controller of any personal data collected through the Site and will process such information in accordance with the provisions of the Data Protection Act and General Data Protection Regulation 2018 and to the applicable data protection law. Any enquiries relating to data protection issues should be sent to our legal team at info@yourhomequote.co.uk

14.  YOUR INFORMATION MAY BE TRANSFERRED INTERNATIONALLY

Your information may be transferred to and maintained on, computers located outside of your state, province, country or other governmental jurisdiction where the privacy laws may not be as protective as those in your jurisdiction. If you are located outside the European Union and provide information to us, you acknowledge that we transfer personal information to the European Union and process it there. Your use of our website constitutes consent to this Privacy Policy and represents your agreement to that transfer.

15.  UPDATES TO THIS PRIVACY POLICY.

We may amend this Privacy Policy from time to time.  When we amend this Privacy Policy, a brief description of any material modification and the date it went into effect will be placed in the “Historical Modifications” section at the end of the Privacy Policy, as appropriate.  You must read that section each time you use our Services and your continued use of our Services shall constitute your acceptance of any such amendments. Under no circumstances shall you have the right or ability to amend, modify, supplement, or alter this Privacy Policy in any way.

16.  TERMS OF USE

Note also that your use of the Site is subject to our Terms of Use, which contain disclaimers and limitations of liability. We recommend that you also review the Terms of Use before accessing our Sites.

For any enquiries relating to this policy, please contact Your Home Quote Ltd, 12 Celtic Trade Park, Bruce Road Fforestfach, Swansea, SA5 4EP

Email: info@yourhomequote.co.uk.

Telephone: 0333 772 1284.