Terms and conditions
We are an AutoSave service and through our website we offer services in relation to household bills and insurance products. Some of these products and services are offered by third party websites which are linked to via our website. Where this is the case you will be bound by the third party’s terms and conditions.
In these Terms and Conditions, “we”, “our” and “us” means This Is the Big Deal Limited trading as Look After My Bills and “you” and “your” means any person who uses our website.
If you are unsure about any aspect of these Terms & Conditions, or have any questions regarding our relationship with you, please contact us.
The Terms and Conditions relate to the Look After My Bills (LAMB) AutoSave service (the “Service”), by which the subscriber (also referred to in these Terms and Conditions as “you”) authorises us to assess your energy supply contract and certain other household bills from time to time and, where we deem appropriate, to switch contract or supplier or insurer on the subscriber’s behalf using our own assessment and judgement in choosing the deal which is best suited for the subscriber according to information provided to us relating to the subscriber.
1. About Look After My Bills
The Service is provided by This Is The Big Deal Limited trading as Look After My Bills (also referred to in these Terms and Conditions as “Look After My Bills”, “we” or “us”), a company registered in England and Wales (company number 08867458) having a registered office at Imperial House Imperial Way, Coedkernew, Newport, Wales, NP10 8UH.
We are authorised and regulated by the Financial Conduct Authority (FCA) and our reference number is 930516. We are an appointed representative of Gocompare.com Limited, FCA reference number 465053, and its permitted business is advising, arranging and making arrangements with a view to transactions in general insurance. You can check this on the Financial Services Register by visiting the FCA’s website http://www.fca.org.uk/register† or by contacting the FCA on 0800 111 6768.
Nothing in this site shall be deemed to constitute financial or other professional advice in any way. In choosing to use the Service from this site you should not rely solely on the information contained within the site pages. You should carefully read the terms and conditions relating to any specific product before proceeding.
Further information about the Service can be obtained from our website and other publications or by contacting us. All Service details, rates, terms, conditions and other information are subject to change from time to time.
You will not be charged for using our website. Instead, when we introduce you via our website to buy a product or service from a third party, that third party pays a fee and/or commission to us.
2. The Energy Service
In order to assess the energy supply deals available on the market and to decide which one suits your needs best, we rely on information you provide to us regarding your property and energy usage and regarding your past energy bills. We do not independently verify the information you provide to us and we rely on what you tell us in order to find the best deal for you. It is your responsibility therefore to ensure that the information you provide to us is accurate and up-to-date. In order to switch your energy and as part of our ongoing service, we may access information held about you and your current energy supply by selected third parties.
We take into account a broad range of factors in selecting your energy contract or supplier which include price but also include (without limitation) the length of the deals on offer, long term price guarantees, quality of service, customer service, customer ratings, financial stability of the supplier, its track record and other information that may be available to us. Best value for money is one of the criteria by which we select energy contracts/supplier for our subscribers but the deal that we may select for you may not be the cheapest deal on the market at a given time and might not be the cheapest for your purposes. Please also refer to our “Customer Guarantee”.
If on sign up you select that you are eligible for the Warm Home Discount, we will only switch you to a supplier that is enrolled in the Warm Home Discount Scheme. We can only guarantee the selected supplier is part of this scheme for the core group. If you are part of the broader group, you will need to apply for the Warm Home Discount directly with the supplier. We cannot guarantee that you will qualify for the discount as it is dependent on you meeting the individual supplier’s criteria.
3. The Insurance Service
We will ask you some questions relating to your home insurance and provide you with [indicative] quotations based on the information you have provided to us. Where we ask questions to help source quotations, you are responsible for:
Answering all questions honestly, completely and to the best of your knowledge, and for ensuring that any assumptions made are correct.
Failure to do so may lead to your insurance policy being invalid or an increase in cost. You may also be liable for any third party costs in the event of a claim.
In order to accept a quotation provided by us you will need to link to the underlying insurance company website and retrieve your details [or, where applicable, contact them by phone].
Before purchasing a policy it is extremely important that all the information the insurance company holds on you is accurate. You should therefore ensure that all information you provide to us is complete and accurate. Neither we nor any insurance providers will check this information for you. Again, failure to do this may lead to your insurance being invalid or an increase in the cost of that policy.
It is important that you read the insurance company’s terms and conditions to check that you understand and agree with them. The insurance company’s terms and conditions are not the same as ours and they will be the terms you agree to when you accept a quotation.
It is important that you read all insurance documents issued to you and ensure that you are aware of the cover, limits and other terms that apply. Failure to comply with the insurer’s terms and conditions could invalidate your policy.
You should also check that all your details on the policy documents are correct, including any assumptions that may have been made on your behalf by the insurer. If the information supplied by you is not correct, it is your responsibility to notify the insurance company. Failure to inform the insurer of any errors or missing information could invalidate your policy.
4. Subscription term and renewals
Subject to your compliance with these Terms and Conditions the subscription for the Service will continue for the period indicated on registration. Upon the expiry of the initial subscription period your subscription shall renew automatically for an additional period. Your subscription will continue without limitation in time until either you or we decide to terminate the subscription.
You can terminate your subscription for the Service at any time by giving us notice through our website or through the contact details that we provide to you. If you proceed to switch a supplier on your own, outside the Service, we may treat that as a notice by you to terminate your subscription for the Service.
The Service is a subscriber only facility. We reserve the right to block access to the Service if it has reason to believe that the Service is being misused.
5. No representation/limited authorisation
We do not represent or act as the agent for any supplier in connection with the Service. Whilst we may have commercial relationships with suppliers and may negotiate collective deals with suppliers, in providing the Service we act independently using our own judgment to select suppliers and the best deals for our subscribers.
We take precautions not to put ourselves in conflict of interests and will seek to notify our subscribers if we believe we might be in conflict.
We will not represent you or act as your agent or representative in relation to your supply contracts with suppliers, even if we select the supplier or the contract and arrange the switching of your supplier. By signing up to the Service in accordance with these Terms and Conditions, you give us limited authority to do only the following, that is:
(i) to review your details and your energy or home insurance contract and (if we decide it is the best option for you) to select an alternative contract or supplier and to cancel your current contract; and (ii) to contact the selected supplier and to provide your details to the supplier (which may be your existing supplier in case of switching between different contracts of the same supplier) and to complete application or registration forms or application questionnaires in relation to your new energy or home insurance contract, in order to arrange the switching of contracts or suppliers on your behalf. You understand and agree that we will complete such application forms and questionnaires on your behalf without seeking your instructions in relation to the details or answers provided in the forms.
You understand that the selected supplier may run a credit check on you to ensure you are able to pay your bills. The result of this credit check may mean the supplier asks you for a deposit or they may refuse to supply you. Further details may be found on the specific supplier’s terms and conditions.
Once these steps are taken on your behalf, our Service is completed and we cease to be involved in relation to your energy or home insurance contract. All other aspects of your contract with your supplier (including, without limitation, concluding your energy supply or home insurance contract including providing any financial credentials or personal information or information relating to your property or energy usage to your new supplier, receiving, checking and paying bills, providing meter readings, applying for the Warm Home Discount, registering for the Priority Services Register, customer service and complaints and reporting or handling any service disruptions, or other incidents claims or events associated with the energy supply or home insurance contract) are your sole responsibility. We do not and cannot represent you (or your supplier) in relation to any such matters.
6. Credentials and passwords
User names and passwords and other subscription log-in credentials provided to you for the purpose of accessing the Service (“Account Credentials”) are personal and must not be shared. You must keep Account Credentials secure.
7. Use of the Service
The Service is provided to subscribers for the purpose of obtaining the best deals for our subscribers for their private, personal purposes and to help subscribers manage their bills with minimum hassle and effort. The use of the Service or the use of your subscription for purposes which are inconsistent with the foregoing is strictly prohibited.
Unless arranged and agreed in advance with us, the use of the Service for any commercial or research purposes (including, without limitation, to conduct any surveys or to scrape or collect any data, to carry out competitor analysis or price research, to monitor the Service or third party energy or home insurance deals or offers) is strictly prohibited.
Without derogation from the generality of the foregoing, any of the following is prohibited and may result in the immediate termination of the subscription without liability and may be reported to relevant authorities:
- the unlawful use of the Service or its use for unlawful purposes;
- the provision of misleading or inaccurate data to us in connection with the Service;
- accessing a subscriber’s account without the subscriber’s express authorisation;
- signing up, accessing or using the Service, or obtaining any product recommendations, data or other input from the Service, through automatic means (e.g., using “bots” or other computer software without an individual person controlling each step of the use of the Service);
- the use of the Service for the purpose of developing, providing or carrying out any service or business targeting third parties (whether or not such service or business competes with us) or its use for the purpose of generating any revenue (other than savings on your private household bills); or
- the use of the Service in a manner intended to cause overload or disruption to the Service.
You warrant and represent to us that:
- You are at least 18 years old;
- You are a UK resident
- You do not represent any third party (other than your immediate family members or, if you are the owner or manager of a property held under lease or tenancy, the tenant or lessee) and you do not act in any capacity other than as a private consumer;
- You subscribe for the Service for private personal purposes and not for any of the purposes prohibited under these Terms and Conditions;
- All information you provide to us about yourself and your property including information relating to your current energy or insurance contract, your past and estimated energy usage or claims experience and other information we request from you is true, accurate to the best of your knowledge and not misleading in any way; and
- You will update us if any information you provided to us becomes out of date or untrue during the term of your subscription.
We warrant to you as follows:
- we have the right to provide the Service;
- we shall use commercially reasonable efforts to provide the Service using reasonable care and skill; and
- we shall use commercially available technologies to protect your personal data.
Other than the warranties, representations and covenants expressly set out in these Terms and Conditions, we give no warranty nor make any representation in relation to the Service and the parties expressly disclaim to the fullest extent permitted by law any representation or warranty relating to the Service that may be implied by these Terms and Conditions, by custom or by law or otherwise and which is not expressly set out in these Terms and Conditions, including any implied warranties of quality, merchantability, title or entitlement, fitness for a particular purpose, non-infringement of third party rights, the ability to achieve a particular result or functionality, including any warranty or representation that the Service will be uninterrupted or error free, and all such implied terms or warranties are expressly excluded.
10. Intellectual Property
The Service uses our intellectual property rights. For the purposes of these Terms and Conditions, “the LAMB IP” means all intellectual property rights subsisting in or relating to the Service including Platform-Generated Data, the computer code and other system elements underlying the LAMB application, software screens, all design elements and artwork, templates, layout designs and design facilities included in the Service, the concepts and ideas underlying the Service, all statistical and analytical data captured by or through the Service and the trade marks “LAMB” and “This is the Big Deal” and any other trade marks, trading names or signs adopted and used from time to time by us in relation to the Service.
You will not acquire any right, title or interest in any LAMB IP as a result of using or subscribing for the Service, except the limited right to receive the Service during the period of subscription in accordance with these Terms and Conditions.
Other than to receive and use the Service in accordance with these Terms and Conditions or otherwise with our prior written consent, and except to the extent permitted under sections 50A, 50B, 50BA and 296A of the Copyright, Designs and Patents Act 1988 (UK) or under any mandatory statutory provisions amending or substituting those provisions which are applicable in the United Kingdom including under European Union legislation, you agree that you shall not and shall not assist, procure or authorise any other person to do any of the following, that is:
(i) use the Service or your subscription for the benefit of any third party (except immediate family members, or, if you are the owner or manager of a property held under lease or tenancy, the tenant or lessee), or lend, lease, transfer, or grant the Service to any third party, or cause or permit any use, display, transfer of possession, sublicensing, publication, or other dissemination of the Service, in whole or in part, to or by any third party, or charge any third party in connection with the benefits of your subscription or the provision or use of the Service; or (ii) modify, amend, reverse engineer, decompile, disassemble, re-engineer or otherwise re-create or attempt to re-create the code or the structural framework for part or all of the Service or reproduce, make adaptations or derivative works to the Service, or any of the LAMB IP; or (iii) remove or change any proprietary or copyright notices, trade marks or trading names or other indications of source or ownership (of ours or any third party) that are included in the Service.
You agree to indemnify us, our directors, employees, agents, representatives (“Indemnified Persons”) and keep us indemnified against any loss, damage, cost or liability arising to any Indemnified Persons as a result of any claim, demand or proceedings brought or threatened against the Indemnified Persons in connection with any breach by you of these Terms and Conditions, including any breach of warranty, or any misrepresentation or negligence in relation to your subscription to the Service or its use, or out of your use of the Service in contravention of these Terms and Conditions.
12. Limitations on liability
We are responsible to you for:
- any claim you may have against us for a personal injury or in respect of your death if caused by our negligence;
- any statements made by our employees to you which are not true statements of fact and which are made by that employee with fraudulent intent;
- any statements made by our employees to you which are misleading or untrue.
- Except in the case of (1) or (2) above (where our liability to you is unlimited), our liability to you will be limited to the upper level of our insurance limit which may vary from time to time.
We are not responsible to you for:
- any reliance that you may place on any material or commentary posted on our website. Please note that nothing contained in our website or the material published on it is intended to amount to advice on which you should rely; or
- any losses you suffer because the information you put into our website is inaccurate or incomplete; or
- any losses you suffer if the information you put into our website is accurate but the insurer’s website has not accurately reflected that information because its system is not working correctly; or
- any losses you suffer if you misrepresent any fact which may influence the insurer’s decision to accept the risk or the terms offered; or
- any losses you suffer because you cannot use our website at any time; or
- any losses you suffer through connecting to any linked third party websites or any statements, information, content, products or services that are published on, or may be accessible from, any linked third party website and we do not guarantee that they are free from viruses or anything else that could be infectious or destructive; or
- any errors in or omissions from our website; or
- any losses you may suffer by relying on any commentary, postings or reviews (of our services or that of our partners) on our website; or
- any loss or damage caused by a distributed denial-of-service attack, viruses or other technologically harmful material that may infect your computer equipment, computer programs, data or other proprietary material due to your use of our website or to your downloading of any material posted on it, or on any website linked to it; or
- the privacy policies and practices of other linked third party websites, even if you access them using links from our website; or
- any unauthorised access or loss of personal information that is beyond our control.
13. Force Majeure
A party shall not be in breach of these Terms and Conditions, nor liable for any failure or delay in performance of any of its obligations under these Terms and Conditions where such failure or delay arises from or is attributable to acts, events, omissions or accidents beyond its reasonable control including an act of God, fire, flood, earthquake, windstorm or other natural disaster, explosion or accidental damage, war, threat of or preparation for war, armed conflict, imposition of sanctions, embargo, breaking off of diplomatic relations or similar actions, terrorist attack, civil war, civil commotion or riots, shortage of raw materials or supplies, industrial action or strike, power cuts electronic or communication network breakdowns, changes to the law or regulatory requirements, court orders or directions of a regulatory authority and any government or sovereign action.
14. Our Right To Terminate The Subscription
We shall be entitled to terminate your subscription for the Service at any time by written notice to you if you are in breach of these Terms and Conditions including in any event that you provide us with false or misleading information in connection with the Service or if you are in breach of any of your warranties or if you use the Service for purposes not permitted hereunder. In such circumstances, you will not be entitled to any refund. We may also terminate or suspend your subscription in any of the following circumstances: i. if for any legal reasons we are prevented from delivering the Service; ii. if you fail the supplier’s credit check and the application for a new contract made on your behalf is consequently unsuccessful; or iii. if you make arrangements directly, outside the Service, to switch your supplier or contract.
If you wish to make a complaint or have other queries relating to the Service, please write to us to the following address: Look After My Bills, Medius House, 2 Sheraton St, London, W1F 8BH, United Kingdom, or by email to: [email protected].
If your complaint relates to an insurance company or insurance policy, we will let you know that we have forwarded your complaint to the insurance company and will supply you with their contact details. The insurance company will then reply to your complaint directly.
A summary of our internal process for dealing with complaints, which outlines how we will handle your complaint both promptly and fairly, is available on request. If you are still dissatisfied then you may be entitled to refer your complaint to the Financial Ombudsman Service (FOS).
We are covered by the Financial Services Compensation Scheme (FSCS). You may be entitled to compensation from the scheme if we cannot meet our obligations. This depends on the type of business and the circumstances of the claim. If you are eligible to claim from the FSCS, compensation is available as follows:
Insurance advising and arranging is covered for 90% of the claim, without any upper limit.
For compulsory classes of insurance (such as Third Party Motor or Employers Liability), insurance advising and arranging is covered for 100% of the claim without any upper limit
Further information about compensation scheme arrangements is available from the FSCS by calling 0800 678 1100 or 020 7741 4100 or by visiting their website www.fscs.org.uk.†
16. Cancellation rights
You have the right to cancel the Look After My Bills service at any time.
To exercise the right to cancel the service, you must inform us by writing to us at the correspondence address provided above, or to our email [email protected] your decision to cancel this service by a clear statement.
By cancelling the service, we will no longer act on your behalf in switching your supplier. Any switches already initiated prior to your cancellation of the service will be unaffected.
Once your switch has been initiated by Look After My Bills, you have a 14 day cancellation period during which you may request to cancel the switch.
To exercise the right to cancel your switch, you must inform us by writing to us at the correspondence address provided above, or to our email [email protected] your decision to cancel this switch by a clear statement.
A cancellation request must be submitted before 5pm on the last working day within the cancellation period. The request must be sent from the email you used to sign up to the Look After My Bills service. Cancellations submitted after this point may not be actioned by Look After My Bills. In addition to the above, we recommend you contact the supplier directly to request a switch cancellation.
The subscription is personal and subscribers may not assign or transfer their subscription to any person except with our express written consent. We shall be entitled to transfer its rights under these Terms and Conditions subject to its obligations to any member of its group or to any person acquiring its business and such transfer shall be effective upon notice being given to the subscriber.
Nothing in these Terms and Conditions shall create, or be deemed to create, a partnership or joint venture and shall not be construed as giving rise to the relationship of principal and agent between the parties.
If any provision of these Terms and Conditions is or becomes illegal, invalid or unenforceable in any respect under the law of any jurisdiction, that shall not affect the legality, validity or enforceability in that jurisdiction or any other jurisdiction of any other provision of these Terms.
A person who is not a party to these Terms and Conditions shall have no rights to enforce the provisions of these Terms and Conditions under the Contracts (Rights of Third Parties) Act 1999.
No modification, alteration or waiver of any of the provisions of these Terms and Conditions shall be effective unless in writing and signed on behalf of each of the Parties. No omission or delay on the part of either party in exercising any right, power or privilege hereunder shall operate as a waiver thereof, nor shall any single or partial exercise of any such right, power or privilege preclude any other or further exercise thereof or of any other right, power or privilege. The rights and remedies herein provided are cumulative with and not exclusive of any right or remedies provided by law.
These Terms and Conditions constitute the entire agreement between the parties and supersede all other agreements, statements, letters and other arrangements between the parties in relation to the subject matter hereof. Each party acknowledges that it has not relied on or been induced to enter these Terms and Conditions by a representation other than those expressly set out in these Terms and Conditions. This clause does not affect a party’s liability in respect of a fraudulent misrepresentation.
- These Terms and Conditions apply to your use of our website.
- We reserve the right to change these Terms and Conditions from time to time and without notice. You should therefore check these Terms and Conditions each time you visit our website.
- If any part of these Terms and Conditions is subsequently considered to be illegal, invalid or unenforceable then that provision should be treated as having been deleted without affecting the validity of the remaining terms.
- These Terms and Conditions are subject to the laws of England and Wales and the exclusive jurisdiction of their Courts.