Legal information - Website Terms of Use

This website at www.simplyzest.co.uk, including its pages and subdomains, is operated by Charles Frank Finance Limited using the trading style Simply Zest. In these terms, “we”, “us” and “our” mean Charles Frank Finance Limited.

Charles Frank Finance Limited is registered in England and Wales under company number 07791769. Its registered office is 89 Cardiff Road, Taffs Well, Cardiff, CF15 7PL. It is authorised and regulated by the Financial Conduct Authority and registered with the Information Commissioner’s Office under registration number Z2962200.

The separate website terms published on cffl.co.uk govern that website. These terms are the version that applies to the Simply Zest website.

By using this website, you agree to these terms. If you do not agree, please stop using the website. You must be at least 18 years old to submit an enquiry or use the website to request regulated services.

These are website-use terms. If you become a client, additional documents may apply to the advice or service we provide, including our regulatory disclosures, demands-and-needs assessment, recommendation and relevant insurer documents. If those documents conflict with these website terms on a service-specific matter, the service-specific document will take priority.

Website content is provided for general information. It is not a personal recommendation, guarantee of cover, offer by an insurer or substitute for advice based on your circumstances.

Any calculator, estimate, example or case study is illustrative. It may use assumptions and information supplied by you, and it cannot reflect every policy definition, exclusion, underwriting decision, premium or tax consequence. An insurer decides whether cover is available and on what terms.

Submitting a form does not create an insurance contract or require us or an insurer to accept an application. Cover only begins when the relevant insurer confirms it is in force and all applicable conditions have been met.

When using the website, you must:

• provide information that is accurate and not misleading;
• use the website only for lawful, personal or legitimate business purposes;
• not attempt to disrupt, probe, bypass or gain unauthorised access to the website, its forms, security controls or connected systems;
• not submit unlawful, abusive, defamatory, infringing or malicious material; and
• not use automated systems to scrape, reproduce or overload the website without our written permission.

Information provided during an insurance application must answer the questions asked honestly and accurately. Inaccurate or incomplete information can affect underwriting, policy terms or a future claim.

Unless stated otherwise, the website and its content—including text, design, code, graphics, brand elements, animation and original material—belong to Charles Frank Finance Limited, its licensors or relevant third parties and are protected by intellectual property law.

You may view and print reasonable extracts for personal, non-commercial use. You must not reproduce, modify, distribute, republish, sell or commercially exploit website content without prior written permission.

The website links to insurers, regulators, guidance services, social networks and other third parties. Their websites and services are controlled by them and may have their own terms and privacy notices. A link does not mean that we accept responsibility for third-party content or availability.

We aim to keep the website useful, secure and accurate, but we do not guarantee uninterrupted availability or that every item will always be complete or current. Products, provider criteria, underwriting and regulation can change independently of the website.

We may update, suspend or withdraw part of the website, and may revise these terms. The date at the top shows when this version was last updated. Material changes apply from publication unless a different date is stated.

Nothing in these terms excludes or limits liability where doing so would be unlawful, including liability for death or personal injury caused by negligence, fraud or fraudulent misrepresentation. Nothing in these terms affects rights you have under consumer or financial services law.

Subject to those protections, we are not responsible for losses caused by relying on general website information as though it were personal advice, by information you supplied being inaccurate, or by events outside our reasonable control. If you use the website for business purposes, we are not liable for loss of profit, revenue, business, opportunity, goodwill or anticipated savings arising from website use.

Our Privacy Notice explains how Charles Frank Finance Limited handles personal information collected through Simply Zest. Our Cookie Notice explains the storage and security technologies used by this website. Our data protection officer is John Lugsdin. Privacy and data protection questions can be sent to john.lugsdin@cffl.co.uk.

These terms are governed by the law of England and Wales. The courts of England and Wales will have jurisdiction, subject to any mandatory rights you may have to bring proceedings elsewhere in the United Kingdom.

Questions about these terms can be sent to Sophie@simplyzest.co.uk or to our registered office.

If you are dissatisfied with our service, please use the Charles Frank Finance Limited complaints procedure. The procedure explains how we investigate complaints and when an eligible complainant may refer a matter to the Financial Ombudsman Service.