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Terms & Conditions

1. General

Please read these terms and conditions (“terms and conditions”, “terms”) carefully before using the website operated by ASSURA FINANCIAL LIMITED (“us”, ‘we”, “our”, AFL).

2. Information about us

We are registered in England and Wales under company number 10781585 and our registered address is in 86 Gloucester Place, London, England, W1U 6HP. We are authorised and regulated by the Financial Conduct Authority with FRN 795982.

3. Conditions of use

  1. By using this website, you certify that you have read and reviewed this Agreement and that you agree to be bound by our terms. If you do not want to be bound by the terms, you are advised to stop using the website accordingly.
  2. We are only grant use and access of this website, its products, and its services to those who have accepted its terms.

4. Privacy policy

Before you continue using our website, we advise you to read our policy privacy regarding our user data collection. It will help you better understand our practices.

5. Age restriction

You must be at least 18 (eighteen) years of age before you can use this website. By using this website, you warrant that you are at least 18 years of age, and you may legally adhere to this Agreement. AFL assumes no responsibility for liabilities related to age misrepresentation.

6. Accessing our site

  1. Our site is made available free of charge.
  2. We do not guarantee that our site, or any content on it, will always be available or be uninterrupted. Access to our site is permitted on a temporary basis. We may suspend, withdraw, discontinue or change all or any part of our site without notice. We will not be liable to you if for any reason our site is unavailable at any time or for any period.
  3. You are responsible for making all arrangements necessary for you to have access to our site.
  4. You are also responsible for ensuring that all persons who access our site through your internet connection are aware of these terms of use and other applicable terms and conditions, and that they comply with them.

7. Availability

  1. We will endeavour to ensure that this website is accessible for 24 hours a day. However, we will not be liable if, for any reason, the website is unavailable at any time or for any period.
  2. You are responsible for making all arrangements necessary for you to have access to this website. You are also responsible for ensuring that all persons who access to this website through your internet connection are aware of these Terms of Use, and that they are comply with them.
  3. We will not be liable for loss or damage arising if this website becomes unavailable or is suspended for any reason.
  4. If you choose, or you are provided with, a user identification code, password, or any other piece of information as part of our security procedures, you must treat such information as confidential, and you must not disclose it to any third party. We have the right to disable any identification code or password, whether chosen by you or allocated by us, at any time, if in our opinion you have failed to comply with any of the provisions of those Terms of Use.

8. Intellectual property

  1. All materials, products, and services provided on this website are the property of ASSURA FINANCIAL LIMITED, its affiliates, directors, officers, employees, agents, suppliers, or licensors including all copyrights, trade secrets, trademarks, patents, and other intellectual property.
  2. You agree that you will not reproduce or redistribute our intellectual property in any way, including electronic, digital, or new trademark registrations.
  3. If you print off, copy or download any part of this website in breach of these Terms of Use, your right to use this website will cease immediately and you must, at your option return or destroy any copies or materials you have made.

9. Trademarks

The names, images, logos, and icons of third-party companies, products, or services featured on this website are the trademarks of their respective owners. Unless we have agreed otherwise in writing, nothing on this website grants you any license or right to use any featured name, image, logo, or trademark. Unauthorized use may infringe on the rights of the owner or relevant third party.

10. No reliance on information

  1. The content on our site is provided for general information only. It is not intended to amount to advice on which you should rely. You must obtain professional or specialist advice before taking, or refraining from, any action on the basis of the content on our site.
  2. Although we make reasonable efforts to update the information on our site, we make no representations, warranties or guarantees, whether express or implied, that the content on our site is accurate, complete or up-to-date.

11. User accounts

  1. As a user of this website, you may be asked to register with us and provide private information. You are responsible for ensuring the accuracy of this information, and you are responsible for maintaining the safety and security of your identifying information. You are also responsible for all activities that occur under your account or password.
  2. If you think there are any possible issues regarding the security of your account on the website, inform us immediately so we may address them accordingly.
  3. We reserve all rights to terminate accounts, edit or remove content and cancel orders at our sole discretion.

12. Linking to our site

  1. You may link to our home page, provided you do so in a way that is fair and legal and does not damage our reputation or take advantage of it. You must not establish a link in such a way as to suggest any form of association, approval or endorsement on our part where none exists. You must not establish a link to our site in any website that is not owned by you. Our site must not be framed on any other site, nor may you create a link to any part of our site other than the home page.
  2. We reserve the right to withdraw linking permission without notice. If you wish to make any use of content on our site other than that set out above, please contact a member of our management team.

13. Third party links and resources in our site

Where our site contains links to other sites and resources provided by third parties, these links are provided for your information only.

We have no control over the contents of those sites or resources.

14. Governing Law

These Terms shall be governed by the laws of England and Wales and the parties agree herewith that any dispute arising out of it shall be subject to the exclusive jurisdiction of the relevant court.

15. Indemnification

You agree to indemnify us and our affiliates and hold us harmless against legal claims and demands that may arise from your use or misuse of our services.

16. Limitation on liability

We are not liable for any damages that may occur to you as a result of your misuse of our website.

We reserve the right to edit, modify, and change this Agreement at any time. We shall let our users know of these changes through electronic mail. This Agreement is an understanding between us and the user, and this supersedes and replaces all prior agreements regarding the use of this website.

17. Acceptable Use

You may use this Website only for lawful and legitimate purposes in accordance with these Terms and Conditions. When using this Website, you agree to adhere to the following guidelines:

  1. Compliance with Laws: You must comply with all applicable laws and regulations, both local and international, while using this Website. You shall not engage in any activity that violates any laws or infringes upon the rights of others;
  2. Respect for Others: You must respect the rights, privacy, and dignity of other users of this Website. Do not engage in any activity that is harassing, abusive, defamatory, threatening, or harmful to others;
  3. No Unauthorized Access: You shall not attempt to gain unauthorized access to any part of this Website, its systems, or any connected network or database. Unauthorized access, hacking, or any other form of cyber-attack is strictly prohibited;
  4. No Malicious Activities: You shall not use this Website for any malicious purposes, including but not limited to the distribution of malware, viruses, or any other harmful software;
  5. No Spam: Sending unsolicited messages, advertisements, or spam through this Website’s features or communication channels is strictly prohibited;
  6. Protection of Intellectual Property: You must respect intellectual property rights, including copyrights, trademarks, and patents. Do not use this Website to distribute, share, or post any content that infringes upon the intellectual property rights of others;
  7. No Unauthorized Commercial Activity: You shall not use this Website for unauthorized commercial activities, including but not limited to advertising, marketing, or selling products or services without proper authorization;
  8. No Impersonation: Do not impersonate any person or entity or falsely claim an affiliation with any entity when using this Website;
  9. No Data Mining or Scraping: You are not permitted to engage in data mining, data scraping, or any automated or systematic extraction of data from this Website without explicit permission;
  10. No Disruption: You shall not engage in any activity that disrupts or interferes with the normal operation of this Website, including but not limited to hacking, distributed denial-of-service (DDoS) attacks, or any form of network interference;
  11. No Harm to Minors: If this Website provides content that is accessible to minors, you shall not post or share any content that is inappropriate or harmful to minors;
  12. No Violation of Privacy: Respect the privacy of others and do not engage in any activity that invades the privacy of users of this Website;
  13. Reporting Violations: If you become aware of any violation of these Acceptable Use guidelines by other users, please report it to us immediately;
  14. Failure to comply with these Acceptable Use guidelines may result in the termination of your access to this Website and may also lead to legal action or other remedies as deemed necessary.

18. Changes to Website and Terms

We reserve the right to make amendments and changes to this website and any references to details of products or services are subject to change without notice. We reserve the right to make amendments and changes to these Terms of Use without notice to you from time to time. It is your responsibility to check them from time to time to inform yourself of any changes. Your continued use of this website following any such changes constitutes acceptance of these changes.

19.Use of Third-Party Companies for KYC Checks

To ensure compliance with regulatory requirements and to enhance the security of our services, we may utilize third-party companies within our group to perform Know Your Customer (KYC) checks. These checks are essential for verifying the identity of our customers and preventing fraud.

By using our services, you acknowledge and agree that:

  1. Third-Party Involvement: We may engage third-party companies within our group to conduct KYC checks on our behalf. These companies are trusted partners and adhere to the same stringent security and privacy standards as ASSURA FINANCIAL LIMITED.
  2. Purpose of KYC Checks: The KYC checks are conducted to verify your identity, ensure compliance with legal and regulatory requirements, and protect against fraudulent activities.
  3. Data Handling: Any personal data shared with third-party companies for the purpose of KYC checks will be handled in accordance with our privacy policy and applicable data protection laws.
  4. Customer Communication: We will inform you if a third-party company is involved in the KYC process and provide any necessary documentation or clarification upon request.

20. Ownership of the website

This site is provided and owned by: ASSURA FINANCIAL LIMITED

Company Number:10781585

ASSURA FINANCIAL LIMITED is authorised and regulated by the Financial Conduct Authority (Registration Number 795982).

These Terms of Use apply to your use of every part of this website. Separate terms and conditions will apply to any websites accessible via a hypertext link from this website.

21. Contact us

To contact us, please email: compliance@assuraprotect.com

Annabel App-Terms and Conditions

By downloading or using the app, these terms will automatically apply to you – you should make sure therefore that you read them carefully before using the app. You’re not allowed to copy or modify the app, any part of the app, or our trademarks in any way. You’re not allowed to attempt to extract the source code of the app, and you also shouldn’t try to translate the app into other languages or make derivative versions. The app itself, and all the trademarks, copyright, database rights, and other intellectual property rights related to it, still belong to Assura Financial Ltd.

Assura Financial Ltd is committed to ensuring that the app is as useful and efficient as possible. For that reason, we reserve the right to make changes to the app or to charge for its services, at any time and for any reason. We will never charge you for the app or its services without making it very clear to you exactly what you’re paying for.

The Annabel app stores and processes personal data that you have provided to us, to provide our Service. It’s your responsibility to keep your phone and access to the app secure. We therefore recommend that you do not jailbreak or root your phone, which is the process of removing software restrictions and limitations imposed by the official operating system of your device. It could make your phone vulnerable to malware/viruses/malicious programs, compromise your phone’s security features and it could mean that the Annabel app won’t work properly or at all.

The app does use third-party services that declare their Terms and Conditions.

Link to Terms and Conditions of third-party service providers used by the app:

You should be aware that there are certain things that Assura Financial Ltd will not take responsibility for. Certain functions of the app will require the app to have an active internet connection. The connection can be Wi-Fi or provided by your mobile network provider, but Assura Financial Ltd cannot take responsibility for the app not working at full functionality if you don’t have access to Wi-Fi, and you don’t have any of your data allowance left.

If you’re using the app outside of an area with Wi-Fi, you should remember that the terms of the agreement with your mobile network provider will still apply. As a result, you may be charged by your mobile provider for the cost of data for the duration of the connection while accessing the app, or other third-party charges. In using the app, you’re accepting responsibility for any such charges, including roaming data charges if you use the app outside of your home territory (i.e. region or country) without turning off data roaming. If you are not the bill payer for the device on which you’re using the app, please be aware that we assume that you have received permission from the bill payer for using the app.

Along the same lines, Assura Financial Ltd cannot always take responsibility for the way you use the app i.e. You need to make sure that your device stays charged – if it runs out of battery and you can’t turn it on to avail the Service, Assura Financial Ltd cannot accept responsibility.

With respect to Assura Financial Ltd’s responsibility for your use of the app, when you’re using the app, it’s important to bear in mind that although we endeavor to ensure that it is updated and correct at all times, we do rely on third parties to provide information to us so that we can make it available to you. Assura Financial Ltd accepts no liability for any loss, direct or indirect, you experience as a result of relying wholly on this functionality of the app.

At some point, we may wish to update the app. The app is currently available on Android & iOS – the requirements for the both systems(and for any additional systems we decide to extend the availability of the app to) may change, and you’ll need to download the updates if you want to keep using the app. Assura Financial Ltd does not promise that it will always update the app so that it is relevant to you and/or works with the Android & iOS version that you have installed on your device. However, you promise to always accept updates to the application when offered to you, We may also wish to stop providing the app, and may terminate use of it at any time without giving notice of termination to you. Unless we tell you otherwise, upon any termination, (a) the rights and licenses granted to you in these terms will end; (b) you must stop using the app, and (if needed) delete it from your device.

Changes to This Terms and Conditions

We may update our Terms and Conditions from time to time. Thus, you are advised to review this page periodically for any changes. We will notify you of any changes by posting the new Terms and Conditions on this page.

These terms and conditions are effective as of 2023-03-16.

Contact Us

If you have any questions or suggestions about our Terms and Conditions, do not hesitate to contact compliance@assuraprotect.com.