Protect Select — Terms and Conditions

Terms and Conditions

Please read these Terms and Conditions carefully before using this website. By continuing to use this website, you agree to the terms set out below.

  1. Acceptance of this agreement

    Your access to and use of this website, referred to as the “Website”, is subject to these Terms and Conditions. You must not use the Website for any purpose that is unlawful or prohibited by these Terms and Conditions.

    By using the Website, you accept the terms, conditions and disclaimers contained in this notice. If you do not accept these Terms and Conditions, you must stop using the Website immediately.

  2. About us

    Protect Select is a trading name of SGA Consultancy Group Limited, a limited company registered in England and Wales.

    Registered Office: Suite 42, Oriel Chambers, 14 Water Street, Liverpool, L2 8TD.

    Company number: 11168120.

    SGA Consultancy Group Limited is authorised and regulated by the Financial Conduct Authority. FCA reference number: 801032.

  3. Advice

    The content on this Website is provided for general information only. It does not constitute financial advice and should not be relied upon as the sole basis for making, or refraining from making, any decision.

    Life insurance and over 50s cover products can include eligibility criteria, exclusions, waiting periods, premium terms, and other conditions. You should carefully read all policy information before applying or taking out cover.

  4. Changes to the Website, services and these Terms

    Protect Select reserves the right to:

    • Change or remove, temporarily or permanently, the Website or any part of it without notice.
    • Change, remove, suspend, or discontinue any service, information, offer, promotion, or feature advertised on this Website at any time without notice.
    • Update these Terms and Conditions at any time. Your continued use of the Website following any changes will be treated as acceptance of those changes.

  5. Links to third-party websites

    The Website may include links to third-party websites that are controlled and maintained by others. Any link to another website is not an endorsement of that website.

    You acknowledge and agree that Protect Select is not responsible for the content, availability, accuracy, security, or practices of any third-party websites.

  6. Copyright and intellectual property

    The intellectual property rights in this Website and the materials on, or accessible through, it belong to Protect Select, SGA Consultancy Group Limited, or their licensors, unless otherwise stated.

    This Website and its materials may not be copied, distributed, published, licensed, used, or reproduced in any way except to the extent strictly necessary for accessing and using the Website for personal, non-commercial purposes.

  7. Limitation of liability

    The Website is provided on an “as is” and “as available” basis without any representation, endorsement, or warranty of any kind, whether express or implied, including but not limited to implied warranties of satisfactory quality, fitness for a particular purpose, non-infringement, compatibility, security, and accuracy.

    To the extent permitted by law, Protect Select and SGA Consultancy Group Limited will not be liable for any indirect or consequential loss or damage, including loss of business, opportunity, data, or profits, arising out of or in connection with use of the Website.

    Protect Select does not warrant that the Website will be uninterrupted or error-free, that defects will be corrected, or that the Website or the server that makes it available will be free of viruses or anything else that may be harmful or destructive.

  8. Indemnity

    You agree to indemnify and hold Protect Select, SGA Consultancy Group Limited, their employees, representatives, and agents harmless from and against liabilities, legal fees, damages, losses, costs, and other expenses arising from any breach by you of these Terms and Conditions or from your use of the Website.

  9. Severability

    If any provision of these Terms and Conditions is declared void, voidable, illegal, or otherwise unenforceable by a court or competent authority, that provision may be amended or severed in a reasonable manner. The remaining provisions will continue in full force and effect.

  10. Applicable law and disputes

    These Terms and Conditions and any matters arising from them are governed by and construed in accordance with the laws of England and Wales. The courts of England and Wales shall have exclusive jurisdiction over disputes arising in connection with these Terms and Conditions.

  11. Headings

    Headings are included for convenience only and shall not affect the interpretation of these Terms and Conditions.

  12. Entire agreement

    These Terms and Conditions, together with any documents expressly referred to in them, contain the entire agreement between you and Protect Select relating to your use of the Website and supersede any previous agreements, arrangements, undertakings, or proposals, whether written or oral, relating to such matters.