Terms of use

This website is owned and operated by Niander Aurora Limited. Niander Aurora Limited (trading name “Aurora”) is an Appointed Representative of Pro MGA Solutions Ltd who is authorised and regulated by the Financial Conduct Authority under reference 770419. This page outlines the terms of use between you and us for use of our websites, and associated webpages, applications and widgets (the “Sites”), as well as any services available at our Sites (the “Services”).

By using this Site you accept these terms.

1. Conduct

You agree that you will not (i) use this Site to upload or distribute in any way files that contain viruses, bugs, corrupted files, or any other similar software or programs that may damage the operation of computer hardware or software; (ii) interfere or disrupt this Site or any networks connected to this Site; (iii) use any device, software or routine to interfere with the proper functioning of this Site or any transactions being offered at this Site; (iv) take any action that imposes an unreasonable or disproportionately large load on Aurora's infrastructure; (v) use this Site to collect or harvest personal information, including, without limitation, financial information, about other participants at this Site; (vi) impersonate any person or entity or falsely state or otherwise misrepresent your affiliation with a person or entity; (vii) post any misleading, fraudulent, defamatory, obscene or otherwise illegal information on this Site; or (vi) use the Site or any of our services available for illegal purposes. You agree to comply with all regulations, policies and procedures of networks connected to this Site.

2. Intellectual Property

All information and material including data, images, text and audio on the Site is the property of Aurora and/or its licensors and is subject to copyright. All trade marks on the Site are the property of Aurora and/or its licensors. You are entitled to view, copy and print any documents from the Site but only for your own internal business purposes. Any sale, transmission or redistribution of the Site or its content, and any copying, modification or other use of the Site or its contents for any purposes other than your own internal business purposes, are strictly prohibited.

3. Software

All software used on the Site is the property of Aurora or its software suppliers. Aurora hereby grants you a non-exclusive, royalty-free, non-transferable, revocable license to use software it owns solely for the purposes of your use of the Site. Other than to the extent permitted by law, you may not decompile, reverse engineer or otherwise translate such software.

4. No Reliance

Aurora is a non-advisory insurance intermediary, and does not provide legal, financial or professional advice. Content on the Site is provided for general information only and is not intended to amount to advice on which you can rely. You must obtain professional or specialist advice if you require advice on your specific circumstances. Although we make reasonable efforts to update the information on the Site, we make no representations, warranties or guarantees, whether express or implied, that the content on the Site is accurate, complete or up to date.

5. Links

You acknowledge and agree that Aurora 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 use of or reliance on any information, goods or services available on or through our Site. If you decide to access any of the third party sites or resources linked to this Site, you do so entirely at your own risk.

6. No Warranties

Without limiting the foregoing, Aurora does not make any warranty that (i) the services offered on this Site will meet your requirements, (ii) the services offered on this Site will be uninterrupted, timely, secure or error-free, (iii) the results that may be obtained from the use of the services will be accurate or reliable, (iv) the content or information available on this Site is complete, accurate or available, or (v) the quality of any products, services, information, or other material purchased or obtained by you through the services will meet your expectations. No advice or information, whether oral or written, obtained by you from Aurora or through this Site shall create any warranty not expressly made herein. We may suspend, withdraw or restrict the availability of all or any part of the Site at any time for business and/or operational reasons.

7. Limited Liability

Aurora and its shareholders and affiliates shall not be liable for any loss of business, loss of use or of data, interruption of business, lost profits or goodwill, or indirect, special, incidental, exemplary or consequential damages of any kind arising out of this your use of this Site, even if they have been advised of the possibility of such loss and whether or not they had any knowledge, actual or constructive, that such damages might be incurred. This exclusion includes, without limitation, any liability that may arise out of third-party claims against you. You agree that regardless of any statute or law to the contrary, any claim or cause of action arising out of, or related to, use of the services provided on this Site or this agreement must be filed within one (1) year after such claim or cause of action arose. Nothing in these Terms excludes a party's liability for death or personal injury caused by negligence, or any other liability which cannot be excluded or limited by law.

8. Indemnity

You shall indemnify, defend, and hold harmless Aurora and its shareholders, affiliates, employees, agents, successors, officers, and assigns, from any suits, losses, claims, demands, liabilities, costs and expenses (including legal and accounting fees) that they may sustain or incur arising from (i) your use of the software available at this Site, (ii) your failure to comply with any applicable laws and regulations or to obtain any licences or approvals from the appropriate government agencies necessary to purchase or sell the subject Services, (iii) your use of the content available on this Site in any way contrary to this agreement (iv) your breach of any of your representations, warranties or obligations set forth in this agreement, (v) the sale or purchase, or purported sale or purchase, of Services by you, or any loss suffered by or harm to any person or property in any way relating to or caused in whole or in part by the Services sold or purchased by you (including to the extent permissible by law, without limitation, any personal injuries or death of any third person caused in whole or in part by such Services), (vi) any taxes attributable to the Services or due on the purchase or sale of the Services, (vii) any dispute between you and an Insurer or third party arising out of a transaction initiated on the Site, (viii) alleged errors or omissions or misrepresentations in the information provided by you to Aurora hereunder or in the listings of Services on the Site. You agree not to settle any action, claim or demand on our behalf without our prior written consent. Aurora shall have the right to conduct any litigation, with counsel of its choice, at your expense.

9. Monitoring

You acknowledge that Aurora or its designees reserves the right to, and may from time to time, monitor any and all activity or information transmitted or received through this Site, subject to the terms of our Privacy Policy. Aurora, in its sole discretion and without further notice to you, may (but is not obligated to) review, censor or prohibit any activity or the transmission or receipt of any information which Aurora in its sole discretion deems inappropriate or that violates any term or condition of this agreement. During monitoring, information may be examined, recorded, copied, and used for authorised purposes in line with our Privacy Policy. Use of this Site, authorised or unauthorised, constitutes consent to such monitoring.

10. Provision of Information

In order to participate in the services offered at this Site, you must provide certain current, complete, and accurate information about you as prompted to do so by the registration form and maintain and update such registration information as required to keep such information current, complete and accurate. You warrant that such data is accurate and current, and that you are authorised to provide such data. If any registration data that you provide is untrue, inaccurate, not current or incomplete, Aurora retains the right, in its sole discretion, to suspend or terminate your account and rights to use the services. Registration data and certain other information about you is subject to our Privacy and Cookies Policy. Solely to enable Aurora to use information you supply us with, you grant to Aurora a non-exclusive licence to (i) convert such information into digital format such that it can be read, utilised and displayed by Aurora's computers or any other technology currently in existence or hereafter developed capable of utilising digital information, (ii) use, reproduce, modify, display, market, publish, distribute, and transmit the information in connection with operating, demonstrating, or marketing the Site or Aurora's services, and (iii) combine the information with other content provided by Aurora, in each case by any method or means or in any medium whether now known or hereafter devised. The foregoing licences shall include the right to grant sublicences to the users of the Site to print all or any portion of the information for internal business purposes. Aurora retains all ownership rights in and to any modifications, enhancements or other contributions made by or on behalf of Aurora to any information provided by you. Upon request by you, Aurora shall remove any of your information or proprietary names from the Site within a reasonable period. Aurora will only use the information in accordance with our Privacy and Cookies Policy and as contemplated by this agreement. Except as otherwise stated herein or under our Privacy and Cookies Policy, any material, information or other communication you transmit or post to this Site ("Communications") will be considered non-confidential and non-proprietary. Aurora will have no obligations with respect to the Communications. Aurora and its designees will be free to copy, store, process, modify, display, market, disclose, distribute, incorporate, transmit and otherwise use the Communications and all data, images, sounds, text, and other things embodied therein for any and all commercial or non-commercial purposes.

11. Termination

You agree that Aurora may, in its sole discretion, deny you access to the Site and disable any user name and password associated with you for any reason, including, without limitation, if Aurora believes in its sole discretion that you have violated or acted inconsistently with the letter or spirit of this agreement. Aurora reserves the right at any time and from time to time to modify or discontinue, temporarily or permanently, the services offered under this Site (or any part thereof) with or without notice. You agree that Aurora shall not be liable to you or to any third party for any modification, suspension or discontinuance of the services offered under this Site. Notwithstanding termination of this agreement, sections 4 (No Reliance), 6 (No Warranties), 7 (Limited Liability), 8 (Indemnity), 11 (Termination) and 12 (General) shall survive its termination and shall continue in full force and effect.

12. General

This Site is created and controlled by Aurora in the United Kingdom and the laws of England and Wales govern this agreement and you and Aurora agree to submit to the exclusive jurisdiction of the courts of England and Wales.

Any waiver of any right or provision of this agreement will be effective only if signed by Aurora and the failure of Aurora to exercise or enforce any term or condition shall not constitute a waiver of such right or provision.

If any provision of this agreement is found by a court of competent jurisdiction to be invalid, the parties nevertheless agree that the court should endeavour to give effect to the parties' intentions as reflected in the provision, and the other provisions of this agreement shall remain in full force and effect.

Aurora reserves the right to make changes to this Site and this agreement at any time.

Aurora reserves the right to refuse to list or to discontinue the listing of any services as it may choose in its sole discretion and without notice. Without limiting the generality of its right to exclude or discontinue the listing of services, Aurora may, in its sole discretion, exclude services from the Site if they are believed not to meet applicable industry standards or if Aurora receives complaints from users of the Site regarding listed services. The rights and limitations in this agreement are for the benefit of Aurora and a person who is not a party to this agreement has no right under the Contracts (Rights of Third Parties) Act 1999 to enforce any term of this agreement.

You are not permitted to assign any of your rights under this agreement without the prior written consent of Aurora.

You may not issue press release or make any public statement regarding your use or participation in the Site without the prior written permission of Aurora.

You and Aurora are independent contractors, and no agency, partnership, joint venture, employee-employer or franchisor-franchisee relationship between you and Aurora is intended or created by this agreement.

13. Intended use

The Site is directed to, and is intended for use by, people residing in the United Kingdom only. We make no representation that content available on or through the Sites is appropriate for use or available outside of the United Kingdom.

14. Insurance Transactions

The Site allows users to prepare and submit requests for insurance quotes from our insurance partners, who may respond to such requests with a price quotation.
You will not receive advice or a recommendation from us. However, when you complete a request for insurance quotes we may:

  • ask you certain questions so that we can narrow down the selection of insurance products we make available to you;
  • pre-populate questions and answers based on information that we have assumed about you or obtained from our database and/or third party sources;
  • tailor the coverage on offer based on the answers above, using assumptions and data, to narrow down the scope of cover for you; and
  • analytically combine a package of insurance covers for you (that may be from different insurers) based on insurer's risk appetite, price, or other data to narrow down the selection of insurance packages available.

We provide information only, and you will need to check and verify that any assumptions and pre-populated questions and answers are accurate before purchasing a quote. You will need to make your own choice about what insurance policy to buy, including the coverage that is included in the quote.

15. Aurora's role in the insurance transactions

When processing insurance requests Aurora acts as the intermediary between the customer and insurer and operates a "delegated authority" with respect to the provision of specific types of insurance.

For the types of insurance that we offer under this delegated authority we are subject to the regulation of the Financial Conduct Authority. Please refer to http://www.fca.org.uk/ for up to date details of the extent of our authority. Aurora's Financial Conduct Authority Firm reference number is 770419. We collect and use relevant information about you to provide you with your insurance, and to meet our legal obligations. This includes your personal and contact details, and may also include more sensitive information, for example, about any criminal convictions you may have. The way insurance works means that your information may be shared with, and used by, a number of third parties in the insurance sector, including insurers, reinsurers, loss adjusters, sub-contractors, regulators, law enforcement agencies, fraud and crime prevention and detection agencies, and compulsory insurance databases. We will only disclose your personal information in connection with the insurance that we provide and to the extent required or permitted by law. For more information please see our privacy policy.

16. Payment Details

Where Aurora takes your bank account/credit card payment details for the payment of financial services/insurance, we only do so with your authorisation. Wherever we do this, we use 128-bit encryption, as well as SSL certificates when transmitting payment data to our payment providers who is currently Stripe (for Debit and Credit Card payments), in order to protect your data. Aurora might change the payment providers we use to ones that we consider suitable at any time. Aurora will only use payment providers who comply with data protection legislation and hold your details in as secure a manner as possible.

Aurora does not hold your payment details directly on our systems, although we are able to securely reference these details directly with the payment provider.