Terms and Conditions

The terms and conditions set out below detail how Top Expat Insurance can be used. If the Top Expat Insurance website hereinafter referred to as 'the website' is used, you are agreeing to be bound by these terms and conditions. If you do not accept any of the terms and conditions stated below, you should not use the website. By using the website, you undertake that you are aged 18 years or older.

Top Expat Insurance is an online information source for health insurance. Top Expat Insurance provides a free health insurance quote search service. It is owned by ClickTap Marketing.

Alterations to these terms and conditions can be made on occasion and once published, these alterations will become immediately effective.

ClickTap Marketing makes no guarantees and is not responsible for:

Any financial information featured on the website or accessed via a link from the website is not considered to be financial advice from ClickTap Marketing.

Any issues that may arise from contact or communication with third parties accessed from the website are not the responsibility of ClickTap Marketing.

Any entry into a third party's terms and conditions are wholly separate to the terms and conditions undertaken when using Top Expat Insurance. We recommend when entering into a third party's terms and conditions, independent advice is sought. Also before entering into any agreement with a third party we recommend that you read the terms and conditions of the third party. ClickTap Marketing is not liable for any loss or damages that arise from the advice or the contract between the third party and person applying for a quote via Top Expat Insurance.

Should ClickTap Marketing receive remunerations as a result of your use of third party services accessed from the website, it in no way indicates an exclusive partnership or agency relationship with that third party. ClickTap Marketing offers a free service.

Intellectual Property

The copyright and intellectual property (IP) rights of all of the material published on the website; website design; corporate identity; text and graphics; and all software compilations, source code and software belong to ClickTap Marketing. All rights are reserved.

Permission must be secured prior to the reproduction or redistribution of material from the website. Single printouts can be made for personal, non-commercial use. Adaptations or alterations to content from the website in addition to unauthorised links are also not permitted.

ClickTap Marketing owns the rights to Top Expat Insurance. All other company names and products belong to their respective owners.

Information from the website must not be used for illegal or immoral use.

Liability Obligations

ClickTap Marketing does all it can to ensure data on the website is accurate and endeavours to immediately correct any inaccuracies as soon as the company is made aware of them. To the extent allowed by law, ClickTap Marketing is not responsible for inaccuracies published on the website.

ClickTap Marketing does not validate, monitor or endorse any third party information submitted to the website and as such, this information could be inaccurate. ClickTap Marketing does not validate, monitor or endorse the data or quotations collected from third parties as presented to you on the search results page.

ClickTap Marketing is not responsible for any harmful effect on technology that may result from using the website nor does ClickTap Marketing give any warranty that the website is free from viruses. In addition, ClickTap Marketing is excluded from liability should any losses or claims occur as a result of your inability to access the website, or from any use of the website or reliance on data published on the website to the extent permitted by law.

Nothing stated within these terms and conditions excludes or limits our liability for fraud or excludes or limits our liability under the FSMA (Financial Services and Markets Act 2000).

ClickTap Marketing excludes liability for any loss or damage of any kind arising without limiting any direct, indirect, disciplinary or significant loss. ClickTap Marketing shall have no liability to pay any money by way of compensation.

Termination of Agreement

Should any of the terms and conditions stated be breached, ClickTap Marketing has the right to terminate the agreement and immediately remove, cancel or suspend access to and use of the website.

All disclaimers, indemnities and exclusions stated within these terms and conditions shall survive termination of the agreement between us for any reason.

ClickTap Marketing is not liable for failure to undertake any obligation under this agreement if failure results from events out of its control, including without limitation Internet/telecoms outages, fire, flood, war and acts of God.

General Information

The website must not be used for business purposes.

Should any provision of the agreement be held unlawful or invalid, that provision shall be deemed severed. Where relevant, the validity of the remaining provision of the agreement will not be affected.

Should ClickTap Marketing not enforce any provision of this agreement, such will not be considered a waiver of any provision or right.

Use of the website and these terms are subject to the laws of England which shall exclusively govern the interpretation, application and effect of all the above permissions, exclusions, licenses and conditions of use and shall be construed in accordance with the laws of England and the parties submit to the exclusive jurisdiction of the English courts.