Terms of Service
Please find below our terms of service:
Effective Date: 26/03/2024
Welcome to Your Protection Guaranteed Limited ("YPG," "we," "us," or "our"). These Terms of Service govern your use of our income protection, life insurance, and critical illness cover services ("Services"). By accessing or using our Services, you agree to be bound by these Terms of Service.
1. Description of Services
YPG provides income protection, life insurance, and critical illness cover services to individuals seeking financial protection against loss of income, death, or critical illness. Our Services include but are not limited to:
Providing information about available insurance products.
Assisting with policy selection and application processes.
Underwriting insurance policies.
Processing claims and payments.
2. Eligibility
To use our Services, you must be at least 18 years old and capable of forming a binding contract. By using our Services, you represent and warrant that you meet these eligibility requirements.
3. Insurance Policies
YPG offers various insurance policies, including income protection, life insurance, and critical illness cover. The terms and conditions of each policy are governed by the respective insurance contract and policy documents. By purchasing an insurance policy through our Services, you agree to abide by the terms and conditions specified in the policy documents.
4. Premiums and Payments
You are responsible for paying the premiums associated with your insurance policy. Premium amounts and payment schedules are outlined in the policy documents. Failure to pay premiums may result in the cancellation of your insurance coverage.
5. Claims Process
In the event of a covered loss, death, or critical illness, you may be eligible to file a claim under your insurance policy. The claims process, including documentation requirements and claim assessment procedures, is governed by the terms and conditions of your policy. YPG will facilitate the claims process and provide assistance as needed.
6. Limitation of Liability
YPG shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising out of or in connection with your use of our Services, including but not limited to loss of profits, loss of data, or loss of business opportunities.
7. Governing Law
These Terms of Service shall be governed by and construed in accordance with the laws of [Jurisdiction], without regard to its conflict of law principles.
8. Modifications to Terms
YPG reserves the right to modify or update these Terms of Service at any time without prior notice. Changes to the Terms of Service will be effective upon posting on our website. Your continued use of our Services after the posting of any modifications constitutes your acceptance of the revised Terms of Service.
9. Termination
YPG may terminate or suspend your access to our Services at any time, with or without cause, and without prior notice.
10. Contact Us
If you have any questions, concerns, or inquiries regarding these Terms of Service or our Services, please contact us at:
YPG Financial Services Limited. 219 Burton Road, Derby. DE23 6AE
Thank you for choosing YPG Financial Services Limited. We are committed to providing you with quality insurance solutions and exceptional service.
11. Regulatory Information
Your Protection Guaranteed Ltd is an appointed representative of PRIMIS Mortgage Network, a trading name of First Complete Ltd. First Complete Ltd is authorised and regulated by the Financial Conduct Authority.
Trading address: 75 Beltex Drive Worcester WR5 2FE. Registered Office: Vicarage Corner House, 219 Burton Road, Derby, Derbyshire, England, DE23 6AE. Your Protection Guaranteed is registered in England and Wales with registration number 15451992.
Financial Conduct Authority Number: 1011817