Terms & Conditions

Article 1. General

1.1 The present Terms and Conditions apply to the use of the website “www.iCompare.lu” (hereinafter “iCompare”)

1.2 By entering iCompare, you agree to the Terms and Conditions below, developed to ensure that the site operates to the satisfaction of both users and insurance companies.

Article 2. Definitions

For the purpose hereof:

2.1 "You" and "your" means the natural or legal person who proposes to use or is using this website.

2.2 "We", "us" and "our" means iCompare Global Sàrl, a company registered under Luxembourg Law with its headquarters at 64-68 rue de Luxembourg, L-8140, Bridel, Grand-Duchy of Luxembourg, its subsidiaries, and any other person or business to whom we may legally transfer our rights under these Terms and Conditions. You are entitled to stop using this website if we transfer our rights under these Terms and Conditions to a third party.

2.3 "Website" means a site on the World Wide Web located at iCompare [www.icompare.lu].

2.4 "Product or service provider" means the manufacturer, supplier, distributor or provider of any product or service listed on this website or made available via this website.

2.5 “Quote” means a price provided by a product or service provider for comparison with other quotes on the basis of the information you have provided. In providing you with a quote we are not able to guarantee the availability of the product, the service or the price set out as you will need to deal with the product or service provider directly to make a purchase.

2.6 “Content” is to be understood as any file, image, illustration, animation, video sequence, as well as any video or audio representation, electronic or numerical, or generated by any other means, including any other content support or element downloaded from the site, any report, quote, or comparison available on the website, along with any documentation relating thereto.

Article 3

3.1 By using this website you agree that:

3.1.1 You will not do anything that affects the integrity or security of this website or cause harm, damage or unreasonable inconvenience to other users of this website or iCompare Global Sàrl itself;

3.1.2 You will not gather, extract, download, copy, put in a frame, reference by a link, modify, distribute, expose, propose under license or sublicense, reproduce and/or display or advertise on any other website, other online or off-line service or otherwise, any material or content on or from this website, including but not limited to information relating to insurance prices, whether that information has been gained by the use of spiders, data mining, trawling or other 'screen scraping' software or system used to extract data;

3.1.3 You may not use or publish anything contained on the website on any other

website or any other place which would incite or involve the sale of the products.

3.1.4 You may not provide any public information in such a way that it would be rendered extractable, accessible or reproducible in the form of an electronic file.

3.1.5 You may not make use of the website’s content in such a way that would be prejudicial to image rights of any person or property, under the laws in force or according to criteria reasonably defined by iCompare Global Sàrl.

3.1.6 You may not perform any reverse engineering, decompiling and disassembly of any or all parts of the source code.

3.1.7 You may not delete or modify any mention of copyright, trademark, or any other property rights, or delete any data or metadata contained or incorporated in any way whatsoever in the content of the website.

3.1.8 You may not copy, circulate, donate, transfer, transform, adapt, distribute, in any whatsoever any content;

3.1.9 You may neither grant any license or sublicense nor assign or trade in the broadest meaning of this expression the rights to the content. Similarly, you may not perform any kind of other commercial activities in relation to the rights to the content; including to rent, to lease, to transfer for an unlimited or limited period of time those rights to the content;

3.1.10 You may not copy the content on a network or Internet server to allow others to use it for commercial, promotional, marketing, advertising or merchandising purposes;

3.1.11 You may not use or publish content in electronic format which would allow peer to peer downloading or sharing or by any other means of sharing for commercial, promotional, marketing of publicity, or merchandising purposes.

3.1.12 You may not reproduce the content on any social media platform, allowing any third person to use this content for commercial, promotional, marketing of publicity, or merchandising purposes. If you breach any of the clauses set out at 3.1 above, we may take such action as we deem appropriate, including denying you access to this website, bringing legal proceedings against you and disclosing such information to appropriate legal and/or regulatory bodies.

Article 4. Our service

4.1 We provide a service which enables you to compare a number of prices for products and services and make a decision based on those comparisons. The use of our website does not exempt the user from conducting their own necessary research to make their own decision on the services offered by the service providers.

4.2 We do not provide financial, investment or other advice in relation to the product or service compared, nor do we provide an offer, claim, recommendation or endorsement of product or service providers. We shall not be party, directly or indirectly, to any contract between you and insurance companies, and therefore cannot be held liable for any obligation stemming from any insurance contract the users and insurance companies may negotiate between them. Consequently, none of the obligations of the users or insurance companies can be assumed by iCompare Global Sàrl. None of the transactions between the users and insurance companies should be interpreted as having clauses binding iCompare Global Sàrl to any obligation whatsoever.

4.3 We only act as a facilitator between the service providers and the users to compare a number of quotes for products and services. In this capacity, and in consideration of the above, we are not subject to the Luxembourg Law of December 6th 1991 as amended on the insurance sector.

4.4 The information you provide us shall be used by the product or service providers to formulate their quote. Therefore, it is important that you verify all information to ensure that it is complete and accurate. You commit not to use any false identity or impersonate the identity of others for use on our website or the website of the service providers. We seek to ensure that we accurately pass on the information you have provided to the product or service provider for the purpose of providing a price comparison. In the event that some of the information submitted is false or erroneous, the user shall compensate iCompare Global Sàrl for any legal proceedings, appeals or suits brought against iCompare Global Sàrl, its administrators and managers, including all judicial or extrajudicial fees, in addition to reasonable legal fees.

4.5 These Terms and Conditions and our correspondence with you will be communicated in the English language.

Article 5. Guarantee limitations

5.1 The content is made available “as is”, with no guarantee or conditions, explicit or implicit including but not limited to, without warranty or condition of merchantability or fitness for a particular purpose. We cannot list in a comprehensive manner all existing service providers or their offers and only offer a comparison of a limited number of service providers and services. Consequently, the user recognizes and accepts that not all service providers or offers are presented in a comprehensive manner on this website. iCompare Global Sàrl cannot be held liable in case of omission or inaccuracy pertaining to offers or service providers.

5.2 Furthermore, we do not guarantee the accuracy of the metadata which may be provided with the content.

5.3 In no case do we guarantee that the content will be entirely satisfactory to your needs or that the use of this content shall be uninterrupted or without error.

5.4 In no case do we guarantee permanent availability of the content or products for as long as the present terms and conditions are applicable. The website can interrupt the publication of any and all content or products on the website at its discretion.

Article 6. Validity of quote

6.1 We do not control the price, length of offers, or special conditions relating to price comparison quotes. These are set by product or service providers. If you obtain a quote and would like to see how long it is valid for or any special conditions relating to it, please click through the links contained on our website to the product provider or service provider's website.

6.2 Product and service providers' prices, rates and offer times are updated and amended on a regular basis so our price comparisons and the information provided on iCompare are subject to change and are not guaranteed. We cannot be held liable in case of any deviation between any prices, rates, offer times and/or information presented on our website and the provider of services' website.

6.3 In order to purchase any of the products or services listed on our website, you must request the specific product and we will request the service provider to contact you within a specific time period.

6.4 The service providers are not bound to accept the application for services of the user and accept to provide their services, and as such, iCompare shall not be held liable in case of any such denial of services.

Article 7. Responsibility of content

7.1 We are responsible for ensuring that we accurately reflect product or service quotes via our price comparison technology. We are also responsible for statements of fact made to you by us and protecting your data in accordance with data protection legislation.

7.2 We will use our best endeavors to provide you with a quality service and virus free website. However, we are not responsible for computer viruses or other computer related problems you suffer as a result of using this website, which are beyond our reasonable control. We recommend that you use your own appropriate virus checking software.

7.3 We are not responsible for any commentary, opinions, ratings or other postings on this website by third parties.

7.4 Product or service providers and third party websites are responsible for failings or errors on their websites and may have a separate duty of care to you.

7.5 You may be entitled to rights separate to these Terms and Conditions under Luxembourg consumer law or other legislation.

Article 8. Intellectual Property

8.1 All information, data and copyright material contained on this website, including any trade marks (whether officially registered or unregistered), trade names, domain name, brands, logos and devices belong to us or to people whom we have given ownership or permission to use such content, information data and/or copyright material. You must not use, in any manner whatsoever, such information or copyright material unless you have written permission from us or the owner to do so.

8.2 You may download or copy the content and other downloadable items displayed on this website for personal non-business use only, (i.e. to assist with a purchasing decision), provided that you are not otherwise breaching these Terms and Conditions.

8.3 Any unauthorized use whatsoever of website content its constitutive of a violation of our rights or of those of a third-party, and is a violation of the present terms and conditions. Unless any explicit statement to the contrary in the present terms and conditions, we do give any explicit or implicit authorization to use the content.

Article 9. Liability Limitation

9.1 In no case can we be held responsible for any damages whatsoever, direct or indirect, including but not limited to profit loss, interruption, information or any other pecuniary loss relating to any claim, loss, action, damages, legal prosecution or any other legal proceeding occurring under or outside of the scope of the present terms and conditions.

9.2 Notwithstanding other dispositions of the present terms and conditions, we can not be held responsible for any damages, fees or profit losses resulting from the context in which the user has used the content.

Article 10. Privacy policy

10.1 We will comply with all applicable data protection legislation in force in respect of the personal data we collect from you, including but not limited to, the Luxembourg Law of August 2nd 2002.

10.2 Additionally we will observe the terms of our Privacy Policy.

10.3 If you decide to purchase or make further queries about a product or service listed on this website, the information you have provided may be passed to the product or service providers to allow them to deal with your request. Those product or service providers will be subject to their own terms and conditions and they may have a different privacy policy from ours.

Article 11. Third party websites

11.1 This website contains links to websites operated by third parties. The operation and content of those websites are determined by those third parties and will be governed by separate terms and conditions. We do not accept responsibility or liability for the content of any third party website, as this is outside of our control.

11.2 Links are provided for convenience only and inclusion of any links should not be taken to imply endorsement in any way of the site to which it links.

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

11.3.1 Read and ensure that you understand the terms and conditions of their website and terms and conditions of any product or service you might be agreeing with them;

11.3.2 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 is particularly unique or high risk.

Article 12. Access to the website

12.1 We make available to you our website to the best of our reasonable control and using reasonable skill and care.

12.2 You do however acknowledge and agree that the availability of the website, your ability to access and/or use it may depend upon factors beyond our reasonable control, including but not limited to factors affecting the operation of the website such as, by way of example, geographical or topographical shortcomings in the network of any telecommunications network operator, network capacity, physical obstructions.

12.3 We cannot therefore guarantee that the website will be available to you at all times or free from faults or interruptions. It may be necessary from time to time for us to suspend the website for routine or emergency maintenance and/or repairs.

Article 13. Variation

13.1 Access to the website and its use are subject to the version of terms and conditions current with the moment of access by the user. We may change the present Terms and Conditions from time to time. We will give you notice of any changes by posting those changes on our website. We will not vary any Terms and Conditions which you previously agreed whilst using this website.

13.2 However, any amended Terms and Conditions will apply to your use of this website from the date they are posted and if you do not agree with the amended Terms and Conditions, you are entitled to stop using this website at that time.

Article 14. Duration

14.1 The present terms and conditions remain valid for the duration of the use of the website’s content.

14.2 The present terms and conditions may be terminated without prior notification or indemnification by iCompare Global Sàrl in case the user ceases to respect any disposition of the present terms and conditions or any conditions in the iCompare Global Sàrl’s privacy policy.

Article 15. Termination

15.1 We may issue a warning, temporarily suspend, permanently suspend or terminate your right to use this website if you:

15.1.1 Substantially breach any of these Terms and conditions;

15.1.2 If you use all or part of the content in an unauthorized manner;

15.1.3 Infringe or violate or attempt to infringe or violate any rights of any other user(s) of this website and/or third parties in connection with this website;

15.1.4 If you are using this website to commit or attempt to commit any misdemeanor.

15.2 Starting from the date of the warning, the suspension or the termination of your user rights, you must immediately cease using the content in any manner whatsoever.

Article 16. Miscellanious Provisions

16.1 Severability

If any provision of these Terms and Conditions is deemed by a competent authority to be invalid or unenforceable, in any manner whatsoever, the remaining provisions of these Terms and Conditions will not be affected and will remain valid. The provisions rendered invalid or inapplicable shall thus be modified within the strict scope of their necessity.

16.2 Full Terms

These Terms and Conditions comprise the entire agreement concluded between you and us and replace all previously concluded agreements. No provision may be added or removed without a written document accepted in writing by the parties, or such acceptance emitted electronically by iCompare Global Sàrl and accepted by you or your authorized legal representative.

Notwithstanding the foregoing, we reserve the right to modify the provisions of the present terms and conditions at any time. You hereby accept to be subject to these modifications.

The titles used in the present terms and conditions are used for reference use only. These titles affect in no way the signification or scope of the provisions which they designate.

16.3 Exclusive application of the present terms and conditions.

These Terms and Conditions will only apply as between you and us. Unless as otherwise stated in these Terms and Conditions no other person may benefit or rely upon these Terms and Conditions.

16.4 No Waiver

Inertness, negligence or delay by a party to exercise a right or a remedy by virtue of the present terms and conditions shall in no way be interpreted as a waiver of this right or remedy.

16.5 Complaints procedure

If you have any complaint about our service, please contact us,

- By email: please email us at complaints@icompare.lu and we will attempt to solve your complaint by close of business within the following five working days.

- In writing: please address your letter to: 64-68 rue de Luxembourg, L-8140, Bridel, Grand-Duchy of Luxembourg.

16.6 Knowledge of the present terms and conditions

You recognize having read the present terms and conditions, having understood them, and having had the opportunity to seek independent legal counsel prior to their acceptance. In consideration for the provision of content by iCompare website Global Sàrl, you agree to be bound by the terms and conditions of these general conditions

16.7 Governing Law and Jurisdiction

Any dispute in connection with or arising out of these Terms and Conditions, shall be governed by the laws of the Grand-Duchy of Luxembourg and shall be subject to the exclusive’s jurisdiction of the courts of Luxembourg-City.

Article 17. Use of Cookies

This website uses cookies to better the users experience while visiting the website. Where applicable this website uses a cookie control system allowing the user on their first visit to the website to allow or disallow the use of cookies on their computer / device. This complies with recent legislation requirements for websites to obtain explicit consent from users before leaving behind or reading files such as cookies on a user’s computer / device.

Cookies are small files saved to the user’s computers hard drive that track, save and store information about the user’s interactions and usage of the website. This allows the website, through its server to provide the users with a tailored experience within this website.?Users are advised that if they wish to deny the use and saving of cookies from this website on to their computers hard drive they should take necessary steps within their web browsers security settings to block all cookies from this website and its external serving vendors. Users can also always delete cookies already installed on their computer or device.

This website uses tracking software to monitor its visitors to better understand how they use it. This software is provided by Google Analytics which uses cookies to track visitor usage. The software will save a cookie to your computers hard drive in order to track and monitor your engagement and usage of the website, but will not store, save or collect personal information.

Other cookies may be stored to your computers hard drive by external vendors when this website uses referral programs, sponsored links or adverts. Such cookies are used for conversion and referral tracking and typically expire after 30 days, though some may take longer. No personal information is stored, saved or collected.

Article 18. Social Media Platforms

Communication, engagement and actions taken through external social media platforms that this website and its owners participate on 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 upon 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.