Website Terms & Conditions

1. About Us

This website is operated by GIDLTD ("we", "us", "our").

GIDLTD is authorised and regulated by the Financial Conduct Authority (FCA) as a Principal firm to provide insurance advice and arrange insurance contracts.

FCA Firm Reference Number (FRN): 510212

Registered office:
Key House, Christie Way, Christie Fields, Manchester, M21 7QY

Contact details:

📧 admin@gidltd.com

📞 01925 555 508

2. Acceptance of These Terms

By accessing or using this website, you confirm that you accept these Terms and Conditions and agree to comply with them.

If you do not agree, you must not use this website.

3. Regulatory Status and Scope of Advice

The content of this website is intended for UK residents only, unless otherwise stated.

Information provided on this website:

• Is for general information purposes only
• Does not constitute a personal recommendation
• Does not take account of your individual circumstances

Regulated insurance advice will only be provided:

• Following a full assessment of your needs and circumstances
• Where appropriate disclosures have been made
• Once a client relationship has been established

Nothing on this website should be relied upon as advice to take out, amend, or cancel an insurance policy.

4. Restricted Advice

We provide restricted advice in relation to insurance products. This means we only advise on a limited range of products from a selected panel of insurers.

5. Use of the Website

You agree to use this website lawfully and not to:

• Misuse or interfere with its operation
• Introduce viruses or malicious material
• Attempt unauthorised access to systems or data

We reserve the right to suspend or withdraw access to the website at any time.

6. Website Content

While we take reasonable care to ensure the accuracy of information on this website:

• Content may be incomplete, out of date, or subject to change
• We make no guarantees regarding accuracy, completeness, or suitability
• We may update, remove, or amend website content at any time without notice

7. No Client Relationship

Use of this website does not create a client, advisory, fiduciary, or contractual relationship between you and GIDLTD.

A client relationship will only arise once:

• We confirm suitability of advice
• Required regulatory disclosures have been issued
• Terms of business have been agreed

8. Insurance Products and Insurers

Any references to insurance products or insurers on this website are for illustrative purposes only.

Availability, pricing, terms, and conditions of insurance policies:

• Are subject to underwriting criteria
• May change at any time
• Will be confirmed only during the advice process

9. Third-Party Websites

This website may contain links to third-party websites.

We:

• Do not control or endorse third-party content
• Are not responsible for their availability or accuracy
• Accept no liability for their terms, privacy policies, or services

Access to third-party websites is at your own risk.

10. Intellectual Property

All content on this website (including text, branding, logos, and design) is owned by or licensed to GIDLTD.

You may view and print content for personal, non-commercial use only.

You must not reproduce, distribute, or commercially exploit any content without our prior written consent.

11. Limitation of Liability

To the fullest extent permitted by law, GIDLTD shall not be liable for any loss or damage arising from:

• Reliance on website content before regulated advice is provided
• Use of or inability to use this website
• Errors, omissions, or technical failures

Nothing in these Terms limits or excludes liability for:

• Death or personal injury caused by negligence
• Fraud or fraudulent misrepresentation
• Any liability that cannot be excluded under FCA rules or applicable law

12. Privacy and Data Protection

Use of this website is subject to our Privacy Policy, which explains how we process personal data in accordance with UK GDPR and data protection legislation.

13. Changes to These Terms

We may update these Terms and Conditions at any time.

The most recent version will always be available on this website.

Continued use of the site constitutes acceptance of any changes.

14. Governing Law

These Terms and Conditions are governed by the laws of England and Wales.

Any disputes shall be subject to the exclusive jurisdiction of the courts of England and Wales.