WEBSITE TERMS OF USE:
This document was last updated on March 3rd, 2023.
This website is owned and operated by Consumer Genius Limited, trading as Senior Life Rates (“Senior Life Rates”).
Consumer Genius Limited is a private limited company registered in England and Wales with registered company number 14185814 and registered office DAC Beachcroft LLP, The Walbrook Building, 25 Walbrook, London, United Kingdom, EC4N 8AF. Correspondence should be directed to Consumer Genius Limited t/a Senior Life Rates c/o DAC Beachcroft LLP, The Walbrook Building, 25 Walbrook, London, United Kingdom, EC4N 8AF.
Access and use of this website is provided by Senior Life Rates to you on condition that you accept these Terms of Use. By accessing or using this website, you agree to these Terms of Use. If you do not agree to accept and abide by these Terms of Use you may not access or use this website.
Senior Life Rates may revise and update these Terms of Use at anytime and without notice. You are cautioned to review the Terms of Use posted on the website periodically. Your continued access or use of this website after any such changes are posted will constitute your acceptance of these changes.
You may not interfere with the security of, or otherwise abuse this website or any system resources, services or networks connected to or accessible through this website. You may only use this website for lawful purposes.
We provide an online service which enables you to research and apply for insurance and other products or services (“Products”) provided by third parties. Our service is free for you to use. We receive a fee and/or commission from providers when you use our service to purchase Products. When providing information about insurance products Senior Life Rates acts as an insurance intermediary, not an insurer.
Information on this website is provided for general information purposes only so that you can select a Product that you feel meets your needs. This website does not provide financial or other advice or any form of recommendation or endorsement, and you should not rely on the information provided on this website to make any decision relating to any Product.
Information about the Products on this website may not describe of all the features and terms and conditions of those Products. You should make sure you read all the features and terms and conditions (including those contained on the provider's website) of any Product before you decide whether to apply for it.
All contractual documents provided by us will be in English and we will communicate with you in English in providing our services to you.
Consumer Genius Limited (trading as Senior Life Rates) is an appointed representative of Neilson Financial Services Limited which is authorised and regulated by the Financial Conduct Authority. We are listed on the Financial Services Register and our FCA registration number is 979987.
If you are residing in a jurisdiction which restricts the use of internet-based applications according to age, or which restricts the ability to enter into agreements such as set out in these Terms of Use according to age and you are under such a jurisdiction and under such age limit, you may not enter into this agreement or use this website (or any of its related services). Your profile may be deleted and these Terms of Use may be terminated without warning, if we believe that you are under age or your use of this website (or any of its related services) is not allowed.
Senior Life Rates provides credit and referral services throughout the United Kingdom.
Senior Life Rates is committed to respecting the privacy of the personal data of the individuals with whom we interact. We have developed a Privacy Policy to describe our privacy policies and practices and how we collect, use and disclose the personal data of those individuals who visit this website (or any of its related services). Please see our Privacy Policy for further details.
If you would like to use our services in connection with applying for a loan or other credit service using our Website, Senior Life Rates will collect, use, and disclose the personal data that you provide for the purposes of enabling us to provide such services to you. Please see our Privacy Policy for further details.
Although this website is hosted in the UK, you acknowledge and agree that access to and use of this website (and any of its related services) is provided via the Internet and that your information, including personal data, may be transferred outside of the United Kingdom and stored or processed in a country outside of the United Kingdom, in particular by Consumer Genius Limited in Canada. Such transfers (including the safeguards put in place for such transfers) are detailed in our Privacy Policy.
As referenced above, if you apply for a loan or other credit product or service through this website, Senior Life Rates, its affiliated entities, affiliated brands, parent companies, related entities, related brands (collectively the “related affiliates”), and/or our third-party business affiliates will collect, use and/or disclose the personal data that you provide to us to confirm your financial situation and your initial and ongoing eligibility for such credit products and services (as further detailed in our Privacy Policy). In addition, in connection with the provision of such products and services, you may be contacted by Senior Life Rates, its related affiliates and/or our third-party business affiliates via SMS, email, postal mail, telephone (Including voicemail) or digital messaging. Such contact will only be for the purposes of providing the services, unless you have provided your consent for marketing as set out below.
In addition, you also acknowledge that using the service may require Senior Life Rates, its related affiliates, and/or our third-party business affiliates to perform a credit check on you, based on the information you have provided, to confirm your financial situation and your initial and ongoing eligibility for such products and services.
Where you have provided your consent, Senior Life Rates, its related affiliates and our third-party business affiliates may offer you products, services and pre-qualifications for other related or non-related credit or financial and non-financial products and services.
You acknowledge that: (i) all communications to you from Senior Life Rates, its related affiliates, and its third-party business affiliates may be done via SMS, telephone (including voicemail), email, postal mail or digital messaging; and; (ii) Senior Life Rates its related affiliates and our third-party business affiliates may receive a referral fee for providing you with or referring you to a loan or other credit product or any other service; and (iii) Senior Life Rates may use any reviews you submit online for its own promotional or staff training purposes.
You agree that you will not attempt to, nor permit any third party to, enter restricted areas of Senior Life Rates’ computer systems or perform functions that you are not authorized to perform pursuant to these Terms of Use. Senior Life Rates may, without notice, temporarily suspend your, or any other party’s, access to this website (and any of its related services), (including, without limitation, any specific areas hosted within this website) by deactivating any password(s) or links to the Internet if Senior Life Rates reasonably suspects that you, or any other parties, are obtaining unauthorized access to Senior Life Rates’ other systems or information, or are using otherwise valid user identifications or passwords in any other unauthorized manner. These suspensions will be for such periods of time as Senior Life Rates may reasonably determine is necessary to permit the thorough investigation of such suspended activity.
All materials (including the organization and presentation of such material) on this website (the “Materials“) are the property of Senior Life Rates and its licensors and may be protected by intellectual property laws including laws relating to copyrights, trade-marks, trade-names, internet domain names and other similar rights.
The Materials may only be used and copied for your own non-commercial, personal purposes, provided that the Materials are not modified and that copyright and other intellectual property notices are not deleted. You may not create derivative works from or otherwise exploit the Materials in any way. Unless you have entered into a separate agreement with Senior Life Rates, any other use of these Materials without Senior Life Rates’ written permission is prohibited.
Senior Life Rates updates the information on this website periodically. However, Senior Life Rates cannot guarantee or accept any responsibility or liability for the accuracy, currency or completeness of the information on this website. Senior Life Rates may revise, supplement or delete information, services and/or the resources contained in this website and reserves the right to make such changes without prior notification to past, current or prospective visitors.
This website may provide links to third-party websites for your convenience only. The inclusion of these links does not imply that Senior Life Rates monitors or endorses these websites. Senior Life Rates does not accept any responsibility for such websites. Senior Life Rates 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 the use of any third-party websites or linked resources.
Due to technical difficulties with the Internet, Internet software or transmission problems could produce inaccurate or incomplete copies of information contained on this website. Senior Life Rates shall not be responsible or liable for any software, computer viruses or other destructive, harmful or disruptive files or programs that may infect or otherwise impact your use of your computer equipment or other property on account of your access to, use of, or browsing on this website or your downloading of any of the Materials from this website. Senior Life Rates recommends that you install appropriate anti-virus or other protective software.
This website and the materials are provided “as is”, “when available”, and “with all faults”, without representation, warranty or condition of any kind, either express or implied, including, but not limited to the implied representations, warranties or conditions of merchantability, or fitness for a particular purpose. Senior Life Rates does not represent or warrant that this website or the materials will meet your requirements or that their use will be uninterrupted or error-free.
Nothing in these Terms of Use excludes or limits the liability of Senior Life Rates or any of its directors, officers, employees, shareholders, partners, or agents for fraud or for death or personal injury caused by our negligence, or excludes or limits our duties or any liability under the Financial Services and Markets Act 2000 or any rules made by the Financial Conduct Authority.
Subject to the paragraph immediately above, neither Senior Life Rates nor any of its directors, officers, employees, shareholders, partners, or agents accepts any responsibility or liability for any loss or damage you may incur:
As set out in these terms, Senior Life Rates is not the provider of any Product you apply for, and is not responsible of liable for the provision of such Product including where any claim made under a Product is not accepted by a provider.
IN RESPECT OF THE USE OF THIS WEBSITE ONLY, YOU ASSUME ALL RESPONSIBILITY AND RISK FOR USE OF THIS WEBSITE AND THE MATERIALS INCLUDING WITHOUT LIMITATION ANY OF THE INFORMATION CONTAINED THEREIN.
IN NO EVENT SHALL SENIOR LIFE RATES OR ANY OF ITS DIRECTORS, OFFICERS, EMPLOYEES, SHAREHOLDERS, PARTNERS, OR AGENTS BE LIABLE FOR ANY INCIDENTAL, INDIRECT, PUNITIVE, EXEMPLARY, CONSEQUENTIAL OR OTHER DAMAGES WHATSOEVER (INCLUDING DAMAGES FOR LOSS OF PROFITS, INTERRUPTION, LOSS OF BUSINESS INFORMATION, OR ANY OTHER PECUNIARY LOSS) IN CONNECTION WITH ANY CLAIM, LOSS, DAMAGE, ACTION, SUIT OR OTHER PROCEEDING ARISING UNDER OR OUT OF THE USE OF THIS WEBSITE, INCLUDING WITHOUT LIMITATION YOUR USE OF, RELIANCE UPON, ACCESS TO, OR EXPLOITATION OF THIS WEBSITE, THE MATERIALS OR ANY PART THEREOF, OR ANY RIGHTS GRANTED TO YOU HEREUNDER, EVEN IF WE HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES, WHETHER THE ACTION IS BASED ON CONTRACT, TORT (INCLUDING NEGLIGENCE), INFRINGEMENT OF INTELLECTUAL PROPERTY RIGHTS OR OTHERWISE.
IN ANY EVENT, SENIOR LIFE RATES’ TOTAL MAXIMUM AGGREGATE LIABILITY UNDER THESE TERMS OF USE FOR YOUR USE OF THE WEBSITE SHALL BE LIMITED TO ONE HUNDRED POUNDS (£100 GBP).
SOME JURISDICTIONS DO NOT ALLOW FOR THE LIMITATION OR EXCLUSION OF LIABILITY FOR INCIDENTAL OR CONSEQUENTIAL DAMAGES, SO THE ABOVE LIMITATION OR EXCLUSION MAY NOT APPLY TO YOU.
You agree to indemnify and hold Senior Life Rates harmless against all claims or liability asserted against Senior Life Rates arising out of or in connection with any breach by you or anyone acting on your behalf of any of these Terms of Use.
Feel free to contact us at: info@seniorsliferates.com; or at Senior Life Rates c/o DAC Beachcroft LLP The Walbrook Building, 25 Walbrook, London, United Kingdom, EC4N 8AF.
Should you choose to email us, kindly note that the Internet is not a secure medium and any such communication may be lost, intercepted or altered. Senior Life Rates is not liable for any damages related to communications to or from us. You agree with respect to any information provided by you to us that:
This website can be accessed from the United Kingdom, as well as from other countries around the world. As each of these jurisdictions has laws that may differ from those of the United Kingdom, by accessing this website, you acknowledge and agree that all matters relating to access to or use of this website shall be governed by the laws of England and Wales (without reference to conflicts of laws principles).
You also agree that any claims or disputes whatsoever arising hereunder shall be submitted to the exclusive jurisdiction and venue of the courts of England and Wales and acknowledge that you do so voluntarily.
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.
We will aim to send you a formal acknowledgment of your complaint within two working days 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. If you are not satisfied with our response, depending on the nature of your complaint, you may have the right to refer your case to the Financial Ombudsman Service at Exchange Tower, Harbour Exchange, London, E14 9SR:
if your complaint relates to financial services products.
Senior Life Rates’ failure to insist upon or enforce strict performance of any provision of these Terms of Use shall not be construed as a waiver of any provision or right.
If any provision or part thereof of these Terms of Use is wholly or partially unenforceable the parties or, in the event the parties are unable to agree, a court of competent jurisdiction, shall put in place thereof an enforceable provision or provisions, or part thereof, that as nearly as possible reflects the terms of the unenforceable provision or part thereof.
