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Terms and Conditions

Aequitas Automotive Ltd trading as Shortfall.co.uk

 

1. Introduction

 

1.1 Welcome to www.shortfall.co.uk This site is owned and operated by Aequitas Automotive Ltd (“we”, “us” or “our”)

 

1.2 PLEASE READ THESE TERMS AND CONDITIONS OF USE (“Terms”) BEFORE USING OUR SITE. By using our site you are agreeing to be bound by these Terms. If you do not wish to be bound by what you read below, you should not use www.shortfall.co.uk

 

1.3 We may make changes to these Terms at any time. We will let you know what these changes are by posting them to this page, but it is your responsibility as a user to make sure that you are aware of them, by checking for any changes on a regular basis. Changes will become effective as soon as they are posted. If you continue to use our site after the posting of changes to these Terms, it means that you accept any such changes.

 

2. What we do

 

2.1 This site provides information on GAP Insurance and other supplementary insurance policies. We provide regularly updated general information with our views on GAP Insurance and additional policies. We encourage www.shortfall.co.uk users to contact us with any queries regarding GAP Insurance and other products. The information that you read on this site is a great starting point for your further research into what suits your particular requirements.

 

3. What we do not do

 

3.1 The information we provide does not address your individual requirements. In particular, our information does not constitute any form of advice, recommendation, representation, endorsement or arrangement by us and is not intended to be relied upon by you in making (or refraining from making) any specific investment or other decisions. Given that the impact of any information expressed on our site can vary widely based on your particular circumstances, you should always carry out your own research into the product that is of interest to you.

 

4. Privacy Policy

 

4.1 We take your privacy seriously. Please read our Privacy Policy to see how we deal with this information.

 

5. Links

 

5.1 Our site does include details on, or links through to, information provided by other websites. We do not control the accuracy or completeness of that information. You take full responsibility for using that information and verifying it and for any decision to use, purchase or refrain from purchasing any of the services or products mentioned on a linked site. If you do purchase products or services from another website please read their contract carefully before deciding to buy. Remember, your contract for those products or services will be with them, not us.

 

5.2 When you use other websites, any personal information you give them will be dealt with in line with their privacy polices, not ours, so please read the privacy policies of each and every such website before using them!

 

5.3 Some of the links included on our site may be affiliated links. 

 

6. Our content

 

6.1 All of the content on our site is owned by us or our licensors and is protected by UK and international copyright laws.

 

6.2 The content on our site includes any information or other material found on www.shortfall.co.uk, articles, databases, graphics, software and all other features of our site. You are allowed to use our content for personal, non-commercial use only. You may make one copy of extracts from this site on any single computer for personal, individual use only, provided that all copyright and proprietary notices are kept intact. Apart from that, none of our content may be republished, posted, transmitted, stored, sold, distributed or modified without our prior written consent.

 

6.3 . All brand names and trade marks that appear on this site are trademarks or trade names of their respective holders. No permission is given in respect of the use of any of these brands or marks and any such use may constitute an infringement of the holder's rights.

 

7. Disclaimer of warranties and liability

 

7.1 We provide our site in good faith but we cannot and do not warrant the completeness, truth or accuracy of the information or other content or postings found on our site, or their usefulness for any particular purpose. You acknowledge and agree that you bear full responsibility for your own research and decisions and that we shall not be liable for any action that you or others take or don't take based on your use of or reliance on information provided by us or other users of this Site.

 

7.2 We do not promise that your access to our site, or its content will be delivered uninterrupted, timely or error-free, or that the site will be free from viruses or other harmful properties. It is your responsibility to implement satisfactory safeguards and procedures to make sure any files you obtain through our site are free from such contamination or other harmful properties.

 

7.3 The effect of what is set out here is that you agree that under no circumstances will we be held liable for any direct, indirect, incidental or other type loss or injury resulting from your use, or downloading of any content on our site.

 

7.4 Aequitas Automotive Ltd act as an insurance intermediary and as such does not guarantee the solvency of any insurer, does not monitor insurer solvency on an ongoing basis and accepts no liability for loses of any client due to an insurer being deemed insolvent

 

9. Indemnity

 

9.1 You agree to indemnify, defend and hold harmless us, our directors, officers, employees and licensors from and against any claim, liability, cost, damage or loss we may incur (including reasonable legal fees) as a result of any material that you communicate to us, any actions you take which disrupt access to and/or the functioning of our site or any breach by you of your obligations under these Terms.

 

10. General

 

10.1 If any of these provisions is deemed invalid, void or unenforceable that provision will be deemed severable from the rest and will not affect the validity and enforceability of any remaining provisions.

 

10.2 This site is directed to users in England, Scotland , Northern Ireland and Wales only unless otherwise specified for specific items posted on this site.

 

10.3 These Terms shall be governed by the laws of England and any dispute between us will be resolved exclusively in the Courts of England.

 

11. Changes

 

11.1 These Terms were published on 3 September 2013 and replace with immediate effect the Terms previously published

 

12. Contact us

 

This site is owned and operated by
Aequitas Automotive Ltd

Office: Aequitas House, 56 Hamilton Square, Birkenhead, Wirral, CH41 5AS

Registered in England & Wales with number 7347606

 

If you have any questions about our site or these Terms and Conditions, please contact us by writing to Aequitas Automotive Ltd, Aequitas House, 56 Hamilton Square, Wirral, CH41 5AS

Posted: 9th September 2013

Cancellation and Refund Procedure

We want each and everyone of are many customers to be 100% satisfied with the type and level of Gap Insurance cover or supplementary policy that they have purchased.

 

However, we are all human and from time to time we all change our minds that is perfectly normal. 

 

To protect you and as part of Aequitas Automotive Limited's trading as shortfall.co.uk commitment to continued 100% customer care records and in accordance with current FCA and government regulations regarding the sale of insurance products you have the right to ask for a refund for any policy you have purchased.
 

Can you cancel and obtain a refund?

 

Yes!! Our policies are fully cancellable. The cancellation rights for each type of product can differ. Please refer to the individual product terms and conditions on the quote pages for more details. 

 

For example, If you cancel a Shortfall.co.uk Gap Insurance policy within 30 days of the policy purchase, then we can issue with a full refund of the policy premium. There are no fees or penalties applied. After 30 days then there is a pro rata refund calculation applied, less a £35 cancellation fee.



There a few exceptions where a full refund cannot be issued, one would be if you have attempted to make a claim, for example. Please refer to the policy terms and conditions for full details, or call our customer services team for any clarification.

 

How do you cancel your policy?

 

Should you wish to ask for a refund for any policy you have purchased please inform us in writing. Where possible please use recorded or registered mail. (Aequitas Automotive Ltd accept no responsibility or liability for any lost or mislaid post)



What if you change you mind on the level of cover, and your policy price increases or decreases for the amendment?


In these circumstances, we will require written confirmation from you that you wish to amend the policy, and any extra payment, or partial refund will be processed accordingly. Shortfall.co.uk will issue new policy documents reflecting the policy amendment. Please note, this facility is only available during your policy 'cooling off' period.

Please note that refunds are usually processed within a 2 working day time frame, depending upon your bank it may take longer to appear on your statement / balance.

If you have any further questions or queries please do not hesitate to contact us.

Any refund does not affect your statutory rights in any way.

Use of Cookies by Shortfall Insurance

Shortfall.co.uk aims to provide the very best experience for our customers and site users. This means a simple, easy to use system, providing you with access to all the information you need 24 hours a day. In order to do this we constantly monitor our Website, how it is used, and modify as we feel necessary, in order to improve your experience and security.

 

This is achieved in a number of ways, including the use of cookies in the functionality of the Website. 



In this section you will find information on what cookies may be set when you use our Shortfall Insurance Website and how to reject or delete those cookies.

 

When we provide services, we want to make them easy, useful and reliable. Where services are delivered on the Internet, this sometimes involves placing small amounts of information on your device, for example, computer or mobile phone. These include small files known as cookies. They cannot be used to identify you personally.

 

These pieces of information are used to improve services for you through, for example:

 

*identifying user behaviour, to enhance the experience you have on the site, identify any potential issues and identify any potential malicious behaviour for security.

 

*measuring how many people are using services, so they can be made easier to use and there's enough capacity to ensure they are fast.

 

You can manage these small files yourself and learn more about them through at managing cookies.

 

1 How to control and delete cookies

 

We do not use cookies to collect personally identifiable information about you. However, if you wish to restrict or block the cookies which are set by the Shortfall.co.uk, or indeed any other Website, you can do this through your browser settings. This can depend on which browser you are using however the "HELP" function will be able to direct you.

 

You may wish to visit www.aboutcookies.org which contains comprehensive information on how to do this on a wide variety of browsers. You will also find details on how to delete cookies from your machine as well as more general information about cookies.

 

Please be aware that restricting cookies may impact on the functionality of Shortfall.co.uk Website.

 

If you wish to view your cookie code, just click on a cookie to open it. You'll see a short string of text and numbers. The numbers are your identification card, which can only be seen by the server that gave you the cookie.

 

For information on how to do this on the browser of your mobile phone you will need to refer to your handset manual.

 

To totally opt-out of our suppliers collecting any data regarding your interaction on Shortfall.co.uk, please refer to section 3.

 

2 Local Shared Objects (Flash Cookies)

 

The Shortfall.co.uk may make occasional and limited use of the Adobe Flash Player to deliver services. To improve user experience, Local Shared Objects - or Flash Cookies as they are commonly known - are employed to provide some features. Flash Cookies are stored on a user's terminal much the same as cookies are, however it is not possible to manage them at browser level in the same way.

 

The Adobe Website provides comprehensive information on how to delete or disable Flash cookies either for a specific domain like Shortfall.co.uk or for all Website's - seehttp://www.adobe.com/products/flashplayer/security for details. Please be aware that restricting the use of Flash Cookies may affect the features available to you for Flash based applications.

 

3 Third Party Cookies

 

Shortfall.co.uk uses a number of suppliers who also set cookies on its Website's on its behalf.

 

3.1 Cookies set for embedded social web content

 

To support our information provision and engagement, we sometimes embed photos and video content from Website's such as YouTube. As a result, when you visit a page with content embedded from, for example, YouTube, you may be presented with cookies from these Website's. Shortfall.co.uk does not control the deployment of these cookies. You should check the third party Website's for more information about these.

 

Types of Cookies

 

Cookies of this nature on Shortfall.co.uk include:

 SERVICE  COOKIE NAME
 .facebook.com  datr
 .facebook.com  lsd
 .facebook.com  lu
 .facebook.com  gz
   
 twitter.com  guest_id
 api.twitter.com  guest_id
 twitter.com  _twitter_sess
 api.twitter.com  original_referer
   
 .youtube.com  VISITOR_INFO1_LIVE
 .youtube.com  PREF
 .youtube.com  GEO
 .s.youtube.com  PREF

Shortfall.co.uk may also carry embedded 'share' buttons to enable users of the site to easily share articles with their peers through a number of popular social networks. These sites may set a cookie when you are also logged in to or otherwise using their service. Shortfall.co.uk does not control the deployment of these cookies and you should check the relevant third party website for more information about these.

3.2 Cookies set for web analytics

Shortfall.co.uk uses third party services to gather data regarding the usage of Shortfall.co.uk on our behalf using cookies, log file data and code which is embedded on our website. We use this type of information to help improve the services it provides to our visitors.

These include:

 SERVICE  COOKIE NAME  EXPIRY
 google analytics  _utmb  30 minutes
 google analytics  _utma  2 years
 google analytics  _utmz  6 months
 google analytics  _utmc  Not set

Google Analytics
We use Google Analytics, a web analytics service provided by Google, Inc. Google Analytics sets a cookie in order to evaluate visitor’s usage.

Google stores the information collected by the cookie on servers in the United States. Google may also transfer this information to third parties where required to do so by law, or where such third parties process the information on Google's behalf. Google will not associate your IP address with any other data held by Google. By using Shortfall.co.uk, you consent to the processing of data about you by Google in the manner and for the purposes set out above.

For more information on the cookie set by Google Analytics, including information on how to opt out please go to:http://www.google.com/intl/en/privacypolicy.html

This information is correct as of May 2012.

Complaints

 

At Aequitas Automotive Limited we pride ourselves on our high standards of customer care and are constantly striving to exceed customer expectations and openly welcome feedback. We take all criticism as constructive and look forward to your comments.

 

In the unlikely event that you should wish to make a complaint, in the first instance we would request that you make any formal complaint directly to us by email.

 

Complete customer satisfaction is paramount to us and our company ethics. We take any complaint so seriously that your form is sent directly to our Head of Customer Care to deal with personally. Alternatively, you can post your complaint to;

 

Aequitas Automotive Limited,

Aequitas House,

56 Hamilton Square,

Birkenhead,

Merseyside.

CH41 5AS

We will then we respond to you within 7 days.

You can also telephone us on our free phone number 0800 195 4926 or if you would prefer, our local rate number on 0151 647 7556. 

 

We would ask that you clearly mark your letter 'complaint'.

If Automotive Compliance Limited or Aequitas Automotive Limited are unable to settle and resolve your complaint in a satisfactory manner, you may have the right to refer the matter further. Please click to find out how to initiate a complaint to the financial services ombudsman. Alternatively, you can open a dispute with the Online Dispute Resolution Website which is an official website managed by the European Commission.

This does not affect your statutory rights in any way.