Terms of Service

1. Agreement to Terms

By accessing and using the Explore Genie website (explore-genie.com) and our insurance services, you agree to be bound by these Terms of Service and all applicable laws and regulations. If you do not agree with any of these terms, you are prohibited from using our services.

2. About Our Services

Explore Genie provides insurance brokerage services, specializing in life and health insurance products. We act as intermediaries between customers and insurance providers to help you find suitable coverage options.

Our Services Include:

• Insurance consultation and advice
• Quote comparison and analysis
• Application processing assistance
• Ongoing policy support
• Claims assistance

3. Eligibility and Registration

To use our services, you must:

• Be at least 18 years old
• Be a legal resident of the United Kingdom
• Provide accurate and complete information
• Have the legal capacity to enter into insurance contracts

4. Information Accuracy

You agree to provide accurate, current, and complete information when:

• Requesting quotes or information
• Completing insurance applications
• Communicating with our team
• Making changes to your policies

Providing false or misleading information may result in policy cancellation or claim denial by insurance providers.

5. Our Role as Insurance Broker

Explore Genie acts as an insurance broker and:

• We are not an insurance company
• We do not underwrite insurance policies
• Final policy terms are determined by insurance providers
• We may receive commissions from insurance companies
• We will disclose any conflicts of interest

6. Quotes and Pricing

Insurance quotes provided through our services:

• Are estimates based on information provided
• May change upon full underwriting review
• Are valid for the period specified in the quote
• Do not constitute a guarantee of coverage
• Are subject to insurer approval and terms

7. Website Use

You agree not to:

• Use our website for any unlawful purpose
• Attempt to gain unauthorized access to our systems
• Interfere with website functionality
• Upload malicious content or viruses
• Violate any applicable laws or regulations

8. Privacy and Data Protection

Your privacy is important to us. Our collection and use of personal information is governed by our Privacy Policy, which forms part of these Terms of Service.

9. Limitation of Liability

To the fullest extent permitted by law:

• We provide our services "as is" without warranties
• We are not liable for decisions made by insurance providers
• Our liability is limited to the fees paid for our services
• We are not responsible for third-party website content
• We disclaim liability for indirect or consequential damages

10. Professional Standards

Explore Genie is committed to:

• Acting in your best interests
• Providing fair and honest advice
• Maintaining professional competence
• Complying with industry regulations
• Handling complaints fairly and promptly

11. Complaints Process

If you have a complaint about our services:

1. Contact us directly at [email protected]
2. We will acknowledge your complaint within 3 business days
3. We aim to resolve complaints within 15 business days
4. If unresolved, you may contact the Financial Ombudsman Service

12. Termination

We may terminate or suspend your access to our services immediately if you:

• Breach these Terms of Service
• Provide false or fraudulent information
• Engage in prohibited activities
• Request termination of services

13. Governing Law

These Terms of Service are governed by the laws of England and Wales. Any disputes will be subject to the exclusive jurisdiction of the courts of England and Wales.

14. Changes to Terms

We reserve the right to modify these Terms of Service at any time. Changes will be effective immediately upon posting on our website. Your continued use of our services constitutes acceptance of any changes.

15. Contact Information

For questions about these Terms of Service, please contact us: