Terms and Conditions

KLG Consulting Ltd
Company Number: 15889742
Registered Office: Suite G04, 1 Quality Court, Chancery Lane, London, England, WC2A 1HR

Effective date: 10/08/2024
Website: www.klgconsulting.uk
Contact email: info@klgconsulting.uk
Contact telephone: +44 7708 520 311

1. Introduction and Acceptance of Terms

1.1 These Terms and Conditions (“Terms”) govern your access to and use of this website and any related services supplied by KLG Consulting Ltd (“KLG”, “we”, “us” and “our”).

1.2 By accessing this website, submitting an enquiry, requesting information, purchasing any service from us, or otherwise engaging with us, you confirm that you have read, understood and agreed to be bound by these Terms.

1.3 If you do not agree to these Terms, you must not access, use, or continue to use this website or our services.

1.4 This website and our services are intended only for individuals who are resident in the United Kingdom and aged 18 years or over. By using this website or our services, you warrant and represent that you meet these eligibility requirements.

1.5 We may amend these Terms from time to time. Any revised version shall take effect from the date it is published on our website unless expressly stated otherwise. Your continued use of the website or our services after publication of updated Terms shall constitute acceptance of those revised Terms.

1.6 These Terms should be read together with our Privacy Notice, Cookies Notice, and any service-specific terms, pricing disclosures, payment terms, or written engagement terms supplied to you separately.

2. About KLG Consulting Ltd and Nature of the Business

2.1 KLG Consulting Ltd is a private limited company incorporated in England and Wales under company number 15889742.

2.2 KLG Consulting Ltd is not an insurer, not an insurance broker, not an insurance intermediary, and not an insurance undertaker.

2.3 KLG Consulting Ltd provides a non-advised consultancy, information, administration and clerical support service to assist customers with general market research, information gathering, quote-search support, and related administrative tasks.

2.4 We do not underwrite, issue, sell, bind, place, arrange, administer, vary, renew, cancel, or manage any insurance policy.

2.5 We do not provide legal advice, tax advice, financial advice, investment advice, regulated claims handling, or personal recommendations in relation to the suitability of any insurance product, provider, premium, benefit, exclusion, term, excess, or policy wording.

2.6 Any contract of insurance, and any application for, variation of, renewal of, or claim under such insurance, is entered into directly between you and the relevant insurer, broker, panel, underwriter, price comparison platform, or other third-party provider on that third party’s own terms.

3. Important Regulatory Position

3.1 The Financial Services and Markets Act 2000 prohibits persons from carrying on regulated activities in the United Kingdom unless authorised or exempt. The Regulated Activities Order and FCA perimeter guidance identify activities including arranging insurance-related transactions, making arrangements with a view to such transactions, and assisting in the administration and performance of contracts of insurance as regulated in relevant circumstances.

3.2 KLG Consulting Ltd’s stated business model is that it does not carry on regulated activities requiring FCA authorisation.

3.3 Accordingly, and unless expressly stated otherwise in a separate written agreement signed by a director of KLG Consulting Ltd, our services are limited to non-regulated support and do not include:

a. arranging or bringing about the conclusion of insurance contracts;
b. making arrangements with a view to persons buying, selling, varying, replacing, cancelling or renewing insurance;
c. advising on the merits of entering into, varying, or terminating a contract of insurance;
d. negotiating terms with insurers, brokers, or underwriters on your behalf;
e. collecting premiums on behalf of insurers or intermediaries;
f. handling claims on your behalf;
g. assisting in the administration or performance of an insurance contract after inception;
h. holding client money for insurance mediation purposes;
i. acting as your agent in any regulated insurance distribution activity; or
j. representing to any third party that we are authorised by the FCA where we are not.

3.4 Any information we provide about a product, premium, feature, excess, exclusion, insurer, eligibility requirement or documentation requirement is strictly descriptive and informational only and must not be treated as a recommendation, endorsement, regulated advice, or suitability assessment.

3.5 You acknowledge that your decision whether to proceed with any policy, provider or product is taken entirely by you and at your own risk.

3.6 If at any time we consider that your requested instructions would or might require us to carry on a regulated activity, we reserve the absolute right to decline to act, suspend work, or terminate our services immediately.

4. Scope of Website Use and General Information Disclaimer

4.1 The content on this website is provided for general information purposes only.

4.2 While we make reasonable efforts to ensure that information on this website is presented clearly and updated from time to time, we do not warrant that any content is accurate, complete, current, error-free, suitable for your circumstances, or available at all times.

4.3 Premiums, product availability, eligibility criteria, policy wording, underwriting criteria, no claims bonus requirements, claims acceptance, excesses, cancellation terms, instalment options, and provider appetite can change at any time without notice by the third-party provider.

4.4 Nothing on this website constitutes an offer by us to sell or arrange insurance, nor an offer by any insurer or provider to insure you.

4.5 Any quotation, indication, estimate, saving figure, premium example or price comparison referred to on this website is illustrative only unless expressly confirmed by the relevant third-party provider.

5. Eligibility, Capacity and Accuracy of Information

5.1 You may only use this website and our services if you are at least 18 years old, resident in the United Kingdom, and legally capable of entering into binding contracts.

5.2 You agree that all information, data, documents and declarations you submit to us or through the website shall be true, accurate, complete, current and not misleading.

5.3 You must promptly notify us if any information previously supplied becomes inaccurate, incomplete or out of date.

5.4 You understand and accept that inaccurate or incomplete information may cause quotations to be inaccurate, unavailable, withdrawn, repriced, declined, invalidated, or rendered misleading.

5.5 If you submit information on behalf of another person, you warrant that you have that person’s authority to do so and to authorise us to process their personal data for the limited purposes of our services.

6. Description of Our Non-Regulated Services

6.1 Subject always to clause 3, our services may include some or all of the following on a non-advised basis:

a. general information gathering;
b. clerical and administrative support;
c. basic market research and price-search support;
d. collating information you provide;
e. helping you organise your details before you approach a provider yourself;
f. directing you to publicly available platforms, comparison services, brokers or insurers;
g. explaining at a high level what categories of information a provider may ask for;
h. forwarding publicly accessible provider contact information or links; and
i. other purely clerical, administrative or consultancy assistance that does not amount to a regulated activity.

6.2 We reserve the right to decide, at our sole discretion, the extent of any service we are willing to provide.

6.3 We do not guarantee that our services will result in any quote, policy, renewal, saving, acceptance, eligibility, claim payment or policy continuation.

6.4 We do not guarantee that any insurer, broker, MGA, comparison platform or underwriter will accept business that has been introduced, researched, or explored using our services.

7. No Advice and No Personal Recommendation

7.1 We do not provide regulated advice or personal recommendations.

7.2 We do not assess the suitability or appropriateness of any policy for your needs, demands, budget, circumstances, claims history, convictions, business activities, occupation, health, travel plans, property, vehicle, or risk profile.

7.3 Any statements made by us about possible features or likely market options are general observations only and do not amount to advice.

7.4 You are solely responsible for reading and understanding all proposal forms, statements of fact, insurance product information documents, key facts, policy wordings, endorsements, exclusions, cancellation rights, and claims conditions issued by the third-party provider.

7.5 You should obtain independent professional advice from an FCA-authorised adviser or broker if you require regulated advice or a suitability assessment.

8. Third-Party Providers and External Websites

8.1 We may refer you to, mention, identify, or direct you towards third-party providers, insurers, brokers, price comparison websites, introducers, service providers, payment providers, or external websites.

8.2 Such third parties are independent from us unless expressly stated otherwise in writing.

8.3 We do not control and are not responsible for the content, availability, pricing, conduct, security, terms, underwriting decisions, data handling, complaint handling, insolvency status, claims behaviour, renewal pricing, cancellation decisions, or business practices of any third party.

8.4 The inclusion of any link, brand, logo, provider name, or contact details does not amount to endorsement, representation, warranty, agency, partnership, joint venture, or recommendation.

8.5 Any contract entered into with a third party is solely between you and that third party. You are responsible for reviewing and accepting that third party’s terms before proceeding.

9. Duty to Provide Full and Accurate Information to Providers

9.1 You acknowledge that insurance providers rely heavily on the truth, accuracy and completeness of information given to them.

9.2 You must disclose all facts, events, incidents, claims, losses, convictions, modifications, addresses, occupations, policy cancellations, refusals, voidances, special requirements, medical issues, business usage, mileage, property conditions, and all other matters that may be material to a provider’s decision.

9.3 Failure to provide full, accurate and complete information may lead to refusal of cover, cancellation, policy avoidance, claim rejection, increased premium, altered terms, allegations of fraud, or other adverse consequences by the provider.

9.4 We accept no responsibility for any loss caused by inaccurate, incomplete or misleading information supplied by you or any person acting on your behalf.

10. Service Fees and Charges

10.1 We may charge fees for our consultancy, clerical, administration, market-research support, information-gathering, document-preparation or related services.

10.2 Any such fee is a fee payable to KLG Consulting Ltd for our own service and is separate from any insurance premium, broker fee, provider fee, instalment charge, cancellation fee, amendment fee, or other amount payable to a third-party provider.

10.3 Unless we expressly state otherwise in writing, our fees are not held on trust, are not client money, and are not collected by us on behalf of an insurer or intermediary.

10.4 We will seek to disclose the applicable fee, charge basis, or charging structure before you proceed.

10.5 Fees may be fixed, variable, hourly, task-based, staged, success-linked, or otherwise structured as communicated to you before engagement.

10.6 Unless prohibited by law or unless we expressly agree otherwise in writing, fees already earned for work completed are non-refundable.

10.7 Where a refund is offered by us as a matter of discretion, goodwill or error correction, this shall not create a precedent or ongoing obligation to provide refunds in future cases.

10.8 You remain liable for any third-party charges you independently incur, including premiums, broker fees, instalment charges, card fees, amendment fees, cancellation fees, or provider administration charges.

11. Payments

11.1 Payments due to us must be made in cleared funds using the payment methods we approve from time to time.

11.2 Where card payments or online payments are processed, payment processing may be carried out by an independent third-party payment services provider.

11.3 We do not guarantee the availability, uptime, security or acceptance of any payment method or processor.

11.4 If a payment is reversed, charged back, disputed, declined, recalled or found to be unauthorised, we reserve the right to suspend services, recover the amount due, recover associated costs, and report suspected fraud or abuse where appropriate.

11.5 If any sum due to us remains unpaid after the due date, we may suspend further work and pursue recovery through lawful means.

12. Consumer Rights

12.1 Nothing in these Terms is intended to remove or reduce any mandatory rights you may have as a consumer under applicable law, including the Consumer Rights Act 2015.

12.2 Where we provide services to a consumer, we will do so using reasonable care and skill as required by law, subject always to the limits and exclusions lawfully set out in these Terms.

12.3 Where you have statutory cancellation or refund rights under consumer law, those rights apply except to the extent lawfully excluded, limited, or lost by your request for immediate performance where permitted by law.

13. Distance Sales, Cooling-Off and Immediate Performance

13.1 If you engage us at a distance, including by website, telephone, email, or text message, consumer legislation may in some cases grant you cancellation rights.

13.2 If you ask us to begin providing services immediately, you acknowledge that you may become liable for payment for work carried out up to the point of cancellation where the law permits.

13.3 Once our service has been fully performed, your right to cancel may be lost where the law so provides and where the necessary consent and acknowledgement have been obtained.

14. Privacy, Data Protection and Lawful Basis

14.1 We process personal data in accordance with the UK GDPR and the Data Protection Act 2018.

14.2 The ICO states that an organisation must identify at least one lawful basis under Article 6 UK GDPR before processing personal data, and must explain that basis in its privacy information.

14.3 Depending on the nature of our engagement, our lawful basis may include one or more of the following: performance of a contract, steps at your request prior to entering into a contract, compliance with legal obligations, or legitimate interests.

14.4 Where we process special category personal data, we will only do so where a lawful Article 6 basis and an additional Article 9 condition applies, as required by data protection law.

14.5 We may collect and process personal data including, where relevant to your enquiry or service request: name, date of birth, address history, contact details, vehicle details, driving history, claims history, convictions, occupation, payment details, communication records, and other information you choose to provide.

14.6 We may share your personal data with third parties where reasonably necessary to deliver our service, respond to your enquiry, comply with legal obligations, prevent fraud, process payments, or operate our business. The ICO states that organisations must identify a lawful basis for data sharing before sharing personal data.

14.7 Full details about how we collect, use, retain and share personal data, and your rights in relation to that data, shall be set out in our Privacy Notice.

14.8 You warrant that any personal data you provide to us about another person is provided lawfully and with appropriate authority.

15. Marketing Communications

15.1 By submitting an enquiry, you acknowledge that we may contact you regarding your enquiry and the services requested.

15.2 Where required by law, we will seek appropriate consent before sending direct marketing communications.

15.3 You may opt out of non-essential marketing communications at any time by using the unsubscribe mechanism provided or by contacting us directly.

16. Recording, Monitoring and Evidence

16.1 We may monitor, record and retain telephone calls, emails, text messages, online chats, form submissions, support tickets and other communications for compliance, quality assurance, training, evidential, fraud-prevention and dispute-resolution purposes, subject to applicable law.

16.2 You agree that such records may be relied upon by us as evidence of instructions, disclosures, authorisations, requests, acknowledgements, warnings, pricing disclosures, and acceptance of terms.

17. Fraud Prevention, Anti-Abuse and Verification

17.1 We reserve the right to carry out identity checks, information checks, fraud screening, duplicate-checking, risk assessments, payment screening and other reasonable verification steps.

17.2 We may refuse to provide services where we reasonably suspect fraud, misrepresentation, abuse, identity theft, money laundering concerns, payment fraud, cyber abuse, threatening conduct, or any unlawful or unethical behaviour.

17.3 We may share relevant information with law enforcement, regulators, courts, payment providers, fraud prevention agencies, or professional advisers where legally required or where reasonably necessary for fraud prevention, legal enforcement or protection of our rights.

18. Website Availability, Security and Technical Matters

18.1 We do not guarantee that the website will always be available, uninterrupted, secure, virus-free, error-free, or compatible with your device, browser, software or network.

18.2 We may suspend, withdraw, discontinue, modify or restrict all or any part of the website without notice.

18.3 You are responsible for using appropriate security software, maintaining your own systems, and ensuring that any device used to access the website is properly protected.

18.4 You must not knowingly introduce viruses, trojans, worms, logic bombs, malware, or any other material that is malicious or technologically harmful.

18.5 You must not attempt to gain unauthorised access to the website, server infrastructure, code base, customer area, payment systems or any connected systems or networks.

19. Permitted and Prohibited Use

19.1 You may use this website only for lawful, personal, and non-commercial purposes related to genuine enquiries about our services.

19.2 You must not:

a. use the website in breach of any law or regulation;
b. use false identities or impersonate others;
c. use the website for spam, scraping, harvesting, data mining or bulk enquiries;
d. use bots, scripts, spiders or automation tools without our prior written consent;
e. reproduce, frame, mirror, republish or exploit website content for commercial gain;
f. probe, scan or test the vulnerability of the website;
g. interfere with or disrupt the website or any server or network;
h. submit defamatory, offensive, abusive, discriminatory, obscene, fraudulent or misleading content; or
i. use the website in any way that could damage our reputation, systems, legal position or customer relationships.

19.3 We may suspend or terminate your access immediately if we reasonably believe you have breached this clause.

20. Intellectual Property Rights

20.1 All intellectual property rights in this website, including text, layout, branding, graphics, logos, designs, source code, databases, know-how, compilations, downloadable materials and content, belong to us or our licensors unless otherwise stated.

20.2 KLG Consulting Ltd’s name, logos, brand elements, straplines and associated marks may not be copied, reproduced, used or registered by you without our prior written consent.

20.3 You may print or download extracts from the website for your own personal and non-commercial use only, provided you do not modify them and do not remove any proprietary notices.

20.4 No right, title or interest in any intellectual property is transferred to you by your use of the website or our services.

21. Reliance on Information and Third-Party Decisions

21.1 You acknowledge that insurers, brokers, comparison platforms and underwriters make their own pricing and underwriting decisions independently of us.

21.2 We do not control and are not responsible for whether any provider accepts or rejects a proposal, issues or withdraws a quote, amends pricing, imposes conditions, requests documents, cancels a policy, rejects a claim, or alleges non-disclosure or fraud.

21.3 We are not liable for any consequences arising from provider action or inaction.

22. Timeframes and Delivery of Service

22.1 Any timeframe given by us for responding, carrying out research, providing administrative support, or supplying information is an estimate only.

22.2 We do not guarantee completion times, response times, availability of staff, same-day service, or the number of quotes or options that may be identified.

22.3 Delays may arise due to incomplete information, third-party downtime, verification requirements, payment delays, fraud checks, legal concerns, or operational demand.

23. Complaints

23.1 If you are dissatisfied with our service, you should contact us as soon as possible using the contact details published on our website or otherwise provided to you.

23.2 You should provide enough information for us to identify you, understand the complaint, and investigate properly.

23.3 We will aim to acknowledge and review complaints within a reasonable time.

23.4 Because KLG Consulting Ltd states that it does not carry on FCA-regulated activities, complaints about our own non-regulated services may not fall within the jurisdiction of the Financial Ombudsman Service. Whether a complaint falls within any statutory scheme depends on the true nature of the activity in question and the applicable law. FCA rules on regulated activities and complaints jurisdiction are not determined solely by contractual wording.

23.5 This clause does not restrict your right to seek legal advice or bring a claim in the courts where lawful.

24. Financial Services Compensation Scheme

24.1 KLG Consulting Ltd is not responsible for the Financial Services Compensation Scheme position of any third-party insurer, intermediary or provider.

24.2 Eligibility for FSCS protection depends on the relevant firm, product, service and circumstances, and is not guaranteed by us.

24.3 Our own non-regulated consultancy or administration fees are separate from any insurance premium and will not automatically be covered by the FSCS merely because a third-party provider may be covered in some circumstances.

25. Limitation of Liability

25.1 Nothing in these Terms excludes or limits liability where such exclusion or limitation would be unlawful, including liability for death or personal injury caused by negligence, fraud, or fraudulent misrepresentation.

25.2 Subject to clause 25.1, to the fullest extent permitted by law, we exclude all implied representations, warranties, conditions and other terms that may apply to the website or our services.

25.3 Subject to clause 25.1, we shall not be liable for any:

a. loss of profit;
b. loss of revenue;
c. loss of savings;
d. loss of business, contracts, opportunities or goodwill;
e. loss of data;
f. business interruption;
g. indirect, consequential, incidental or special loss; or
h. losses caused by third-party providers, inaccurate customer information, cyber events outside our control, or regulatory issues outside our responsibility.

25.4 Subject to clause 25.1, our total aggregate liability arising out of or in connection with these Terms, the website, or our services shall not exceed the total amount of fees actually paid by you to us for the specific service giving rise to the claim in the 3 months preceding the event complained of, or £500, whichever is lower.

25.5 You acknowledge that the limitations in this clause are reasonable given the nature of a low-control, non-regulated consultancy and clerical support service and the fact that insurance outcomes are ultimately determined by third parties.

26. Indemnity

26.1 You agree to indemnify and keep indemnified KLG Consulting Ltd, its directors, officers, employees, contractors and agents from and against all losses, liabilities, costs, claims, damages and expenses arising from:

a. your breach of these Terms;
b. your misuse of the website;
c. inaccurate, false, incomplete or misleading information provided by you;
d. your infringement of any third-party rights;
e. your unlawful conduct; or
f. any complaint, claim, chargeback, regulatory contact or dispute arising because you acted on incorrect or misleading information supplied by you or someone acting on your behalf.

27. Termination and Refusal of Service

27.1 We may refuse to accept an enquiry or instruction at our absolute discretion.

27.2 We may suspend, withdraw or terminate our services immediately where:

a. you breach these Terms;
b. we suspect fraud, abuse, harassment, threats or unlawful conduct;
c. fees remain unpaid;
d. we believe the requested work may place us in a regulated, unlawful or high-risk position;
e. a conflict of interest arises;
f. continuing to act would damage our legal, commercial or reputational position; or
g. we are required to do so by law, court order, regulator, payment provider, insurer, supplier or professional adviser.

27.3 Termination shall not affect any accrued rights, payment obligations, indemnities, confidentiality obligations or liability provisions that are intended to survive termination.

28. Force Majeure

28.1 We shall not be liable for any delay, interruption, suspension, failure or non-performance caused by events beyond our reasonable control, including internet outages, payment processor failure, cyber incidents, telecoms failure, labour shortages, illness, fire, flood, governmental action, regulatory action, court order, supplier failure, or acts of God.

29. Entire Agreement

29.1 These Terms, together with any service-specific terms, pricing disclosures, engagement letters, and our Privacy Notice, constitute the entire agreement between you and us relating to the website and our services.

29.2 You acknowledge that you have not relied on any statement, promise, assurance or representation that is not expressly set out in these Terms or in a written agreement signed by us.

30. Severance

30.1 If any provision of these Terms is held by a court or competent authority to be invalid, illegal or unenforceable, that provision shall be deemed modified to the minimum extent necessary to make it lawful and enforceable.

30.2 If such modification is not possible, the relevant provision shall be deemed deleted, and the validity and enforceability of the remaining provisions shall not be affected.

31. No Waiver

31.1 A failure or delay by us in exercising any right or remedy shall not constitute a waiver of that or any other right or remedy.

31.2 No waiver by us shall be effective unless given in writing.

32. Assignment and Third-Party Rights

32.1 You may not assign, transfer, charge or otherwise deal with your rights or obligations under these Terms without our prior written consent.

32.2 We may assign, subcontract, delegate or transfer our rights and obligations where reasonably required for business, legal or operational purposes.

32.3 A person who is not a party to these Terms shall have no right under the Contracts (Rights of Third Parties) Act 1999 to enforce any term of these Terms, except where expressly stated otherwise.

33. Governing Law and Jurisdiction

33.1 These Terms and any dispute or claim arising out of or in connection with them, their subject matter, the website, or our services shall be governed by and construed in accordance with the laws of England and Wales.

33.2 The courts of England and Wales shall have exclusive jurisdiction to settle any dispute or claim arising out of or in connection with these Terms, save where mandatory consumer law permits proceedings in another competent UK jurisdiction.