Terms of Service

These Terms of Service (the "Terms") form a binding agreement between you and compare.ac ("compare.ac", "we", "us", or "our") and govern your access to and use of our websites, applications, content, and related services (together, the "Service").

By accessing or using the Service, by clicking to accept these Terms where that option is presented, or by otherwise indicating your agreement, you confirm that you have read, understood, and agree to be bound by these Terms and by any additional terms, guidelines, or policies referenced here, including our Privacy Policy. If you do not agree, do not access or use the Service.

If you use the Service on behalf of a company or other organization, you represent that you have authority to bind that entity to these Terms, and in that case "you" refers to that entity.

You may use the Service only if you can form a legally binding contract with us and only in compliance with these Terms and all applicable laws.

The Service is not directed to young children. You may use it only if you meet the minimum age required to consent to the processing of your personal data in your country, or the age of majority where that is higher. Where applicable law requires the consent of a parent or guardian for a person below a certain age, you must have that consent before using the Service. If we become aware that we have collected personal data from a child without the consent required by applicable law, we will take appropriate steps to address it.

By using the Service, you represent that you meet these requirements and that you are not barred from using the Service under any applicable law.

compare.ac provides the Service on an as is and as available basis. The features, content, and functionality of the Service may vary depending on how and where you access it, and they may change over time. The Service may be operated, curated, or generated, in whole or in part, using automated and AI-assisted tools.

We are continually developing the Service. We may add, modify, suspend, or discontinue any part of the Service, in whole or in part, at any time, with or without notice, and we do not promise that any particular feature or content will always be available.

We do not guarantee that the Service will be uninterrupted, timely, secure, or error free, or that it will always be accessible. We will use commercially reasonable efforts to keep the Service available, but access may be affected by factors outside our control, and we may impose reasonable limits on use or restrict access to some or all of the Service where appropriate.

Some features of the Service may require you to create an account. If you create an account, the following applies.

• You agree to provide accurate and complete information and to keep it up to date.
• You are responsible for safeguarding your login credentials and for all activity that occurs under your account, whether or not you authorized it.
• You agree to notify us promptly if you become aware of any unauthorized use of your account or any other breach of security. If you need to reach us, you can contact us.
• We may refuse, suspend, or cancel an account, or reclaim a username, where we reasonably consider it necessary, such as to protect the Service or other users or to comply with applicable law.

You may close your account at any time. Some information may be retained after closure as described in these Terms and our Privacy Policy.

You agree to use the Service only for lawful purposes and in a way that does not infringe the rights of, or restrict or inhibit the use of the Service by, anyone else. Without limiting the foregoing, you agree not to:

• use the Service in violation of any applicable law, regulation, or third-party right, including intellectual property, privacy, and publicity rights;
• upload, post, or transmit any content that is unlawful, harmful, harassing, defamatory, obscene, deceptive, or otherwise objectionable;
• attempt to gain unauthorized access to the Service, to other users' accounts, or to any systems or networks connected to the Service;
• interfere with, disrupt, or place an unreasonable load on the Service or its infrastructure, including through malware, denial-of-service activity, or similar means;
• use any automated means, such as bots, scrapers, or crawlers, to access or collect data from the Service, except as expressly permitted by us or by applicable law;
• reverse engineer, decompile, or attempt to derive the source code of any part of the Service, except to the extent this restriction is prohibited by applicable law;
• misrepresent your identity or affiliation, or use the Service to send unsolicited or unauthorized advertising or communications; or
• use the Service to build a competing product or for any other purpose we reasonably prohibit.

We may investigate and take appropriate action against anyone who, in our reasonable judgment, violates this section, including removing content, restricting access, and reporting activity to the authorities where appropriate.

Where the Service offers paid features, the following applies. Some parts of the Service may be free, and others may require payment.

• We will make the price and the main characteristics of any paid offering available to you before you purchase. Prices may change, and where a change affects an ongoing arrangement, we will provide notice as required by applicable law.
• Payments may be processed by third-party payment providers, and your use of those services may be subject to their own terms. You agree to provide accurate billing information and authorize us, or our payment providers, to charge the applicable amounts, together with any taxes and fees that apply.
• Where the Service is offered on a subscription or other recurring basis, it may renew automatically for successive periods unless you cancel before the renewal, and you authorize the associated recurring charges until you cancel. You can cancel as described in the Service or by contacting us.
• Except where required by applicable law, or where we state otherwise, payments are non-refundable. Any refunds, credits, or trials we choose to offer are provided at our discretion and on the terms communicated at the time.
• If a payment fails or is overdue, we may suspend or withdraw access to paid features until the amount is resolved.

You are responsible for any taxes associated with your use of paid features, other than taxes based on our net income.

The Service, including its software, design, text, graphics, and other content we provide, together with all related intellectual property rights, is owned by compare.ac or our licensors and is protected by applicable laws. Nothing in these Terms transfers any of those rights to you.

Subject to your compliance with these Terms, we grant you a limited, non-exclusive, non-transferable, revocable license to access and use the Service for your personal or internal business purposes. You may not copy, modify, distribute, sell, lease, or create derivative works from any part of the Service, or remove any proprietary notices, except as expressly permitted by these Terms or by applicable law.

Any trademarks, logos, and brand features displayed on the Service are the property of their respective owners and may not be used without permission.

If you send us feedback or suggestions about the Service, you agree that we may use them without restriction and without any obligation to you.

The Service may allow you to submit, upload, or share content, such as text, images, files, or other materials ("Your Content"). This section applies where the Service allows you to submit content.

As between you and compare.ac, you retain all ownership rights you have in Your Content. We do not claim ownership of it.

To operate and improve the Service, you grant compare.ac a worldwide, non-exclusive, royalty-free, sublicensable, and transferable license to host, store, reproduce, adapt, publish, and display Your Content, solely as needed to provide, maintain, secure, and promote the Service, and as permitted by your settings and by applicable law. This license ends when Your Content is removed from the Service, except to the extent it has already been shared with others who have not removed it, or where we must retain it to comply with applicable law.

You represent that you have the rights necessary to submit Your Content and to grant this license, and that Your Content does not violate these Terms or the rights of any third party.

We are not obligated to monitor Your Content, but we may review, remove, or restrict content that we reasonably consider to violate these Terms or applicable law.

The Service may contain links to, or integrate with, websites, applications, or services operated by third parties. We provide these for convenience and do not control, endorse, or assume responsibility for them.

Your use of any third-party website or service is at your own risk and may be governed by that third party's own terms and privacy practices. We encourage you to review them. Any dealings you have with third parties, such as advertisers or payment providers, are solely between you and that third party.

Your privacy matters to us. Our collection and use of personal data in connection with the Service is described in our Privacy Policy, which forms part of these Terms.

We apply appropriate technical and organizational measures designed to protect personal data, and we retain personal data for as long as necessary for the purposes described in our Privacy Policy and as required by applicable law.

Depending on where you live, you may have rights over your personal data, such as the rights to access, correct, delete, or port it, to object to or restrict certain processing, to opt out of certain sharing or sale of personal information, and not to be discriminated against for exercising those rights. To learn more, or to exercise any rights available to you, please review our Privacy Policy or contact us.

To the fullest extent permitted by applicable law, the Service is provided on an as is and as available basis, with all faults and without warranties of any kind, whether express, implied, or statutory.

compare.ac, together with its licensors and suppliers, disclaims all such warranties, including any implied warranties of merchantability, fitness for a particular purpose, title, and non-infringement, and any warranties arising from a course of dealing or usage of trade. We do not warrant that the Service will meet your requirements, that it will be uninterrupted, secure, or error free, that any defects will be corrected, or that any content or results obtained through the Service will be accurate or reliable.

Any content or information made available through the Service, which may be generated, curated, or automated in whole or in part, is provided for general informational purposes only. It does not constitute professional advice (such as legal, financial, medical, or other regulated advice), and you should not rely on it as a substitute for advice from a qualified professional. Any content or material you access through the Service is used at your own discretion and risk, and you are responsible for any decisions you make based on it.

Some jurisdictions do not allow the exclusion of certain warranties, so some of the above exclusions may not apply to you. In that case, any warranties that cannot be excluded are limited to the greatest extent permitted by applicable law.

To the fullest extent permitted by applicable law:

• compare.ac, together with its affiliates and their respective owners, directors, employees, and agents, will not be liable for any indirect, incidental, special, consequential, exemplary, or punitive damages, or for any loss of profits, revenue, data, goodwill, or other intangible losses, arising out of or relating to your use of, or inability to use, the Service, even if we have been advised of the possibility of such damages.
• Our total liability for all claims arising out of or relating to the Service or these Terms will not exceed the greater of the amount you paid us, if any, for the Service during the period preceding the event giving rise to the claim, or the minimum amount required by applicable law.

These limitations apply regardless of the legal theory on which a claim is based and form an essential basis of the agreement between you and compare.ac.

Nothing in these Terms excludes or limits any liability that cannot be excluded or limited under applicable law, such as liability for death or personal injury caused by negligence, for fraud, or for any other liability that applicable law does not allow to be limited.

To the extent permitted by applicable law, you agree to defend, indemnify, and hold harmless compare.ac, its affiliates, and their respective owners, directors, employees, and agents from and against any claims, liabilities, damages, losses, and expenses, including reasonable legal fees, arising out of or in any way connected with:

• your access to or use of the Service;
• Your Content or any content you submit through the Service;
• your violation of these Terms or any applicable law; or
• your violation of the rights of any third party.

We may, at our option, assume the exclusive defense and control of any matter otherwise subject to indemnification by you, in which case you agree to cooperate with us. This section survives termination of these Terms.

You may stop using the Service at any time, and if you have an account, you may close it as described above.

We may suspend, restrict, or terminate your access to the Service, in whole or in part, at any time, with or without notice, where we reasonably consider it appropriate, such as if you violate these Terms or applicable law, if your use poses a risk to the Service or to others, or if we decide to discontinue the Service or a feature.

Upon termination, your right to use the Service ends. Provisions of these Terms that by their nature should survive termination will survive, including those relating to intellectual property, disclaimers, limitation of liability, indemnification, and dispute resolution. Following termination, we may delete or retain information as described in these Terms and our Privacy Policy and as required by applicable law.

These Terms, and any dispute arising out of or relating to them or to the Service, are governed by the laws applicable at the place where compare.ac is established, without regard to conflict-of-laws principles, and subject to any mandatory consumer protections that apply to you in your place of residence.

Before starting any formal proceeding, you agree to first try to resolve the dispute informally by contacting us, and we will try in good faith to resolve it with you. If the dispute is not resolved within a reasonable time, it will be subject to the exclusive jurisdiction of the competent courts at the place where compare.ac is established, unless applicable law gives you the right to bring proceedings in another location.

Where permitted by applicable law, you and compare.ac agree that any dispute will be resolved on an individual basis and not as part of a class or representative action. Nothing in this section prevents either party from seeking urgent injunctive or equitable relief where it is available.

We may update these Terms from time to time, such as to reflect changes to the Service, to our business practices, or to legal requirements. When we make material changes, we will take reasonable steps to notify you, such as by posting the updated Terms with a revised effective date or by other appropriate means.

Changes take effect when posted, or on any later date we specify. By continuing to access or use the Service after the changes take effect, you agree to the updated Terms. If you do not agree, you should stop using the Service.

• Entire agreement. These Terms, together with any policies referenced here, are the entire agreement between you and compare.ac regarding the Service and replace any prior agreements on that subject.
• Severability. If any provision is found to be unenforceable, the remaining provisions will remain in full effect, and the unenforceable provision will be applied to the maximum extent permitted by applicable law.
• No waiver. Our failure to enforce any provision is not a waiver of our right to enforce it later.
• Assignment. You may not assign or transfer these Terms without our prior written consent. We may assign these Terms, such as in connection with a merger, acquisition, or sale of assets.
• No agency. These Terms do not create any partnership, joint venture, employment, or agency relationship between you and compare.ac.
• Force majeure. We are not responsible for any failure or delay in performing our obligations where it results from causes beyond our reasonable control.
• Notices. We may provide notices to you through the Service or using the contact details associated with your account. If you need to reach us, you can contact us.

If you have any questions about these Terms or the Service, you can contact us at hello@compare.ac.