Disclaimer
Your use of the Umbrella Comparisons website and any comparison or referral service is at your own risk. The service is provided on an as is and as available basis. We do not give any warranty or guarantee of any kind, whether express or implied, including any implied warranties of satisfactory quality, fitness for a particular purpose, or that the service or any information on it is accurate, complete, or free from infringement of third party rights.

We do not promise that the service will meet your requirements or that it will be uninterrupted, secure, or free from errors or omissions. You are responsible for how you use the service and for any decisions you make based on information, tools, or links provided through it. Umbrella Comparisons does not provide tax, legal, or financial advice and any decisions about umbrella companies or payroll arrangements remain your own.

Indemnity
You agree to indemnify Umbrella Comparisons, and our directors, employees, and agents, from and against any claims, losses, liabilities, costs, and expenses arising out of or in connection with your use of the service, your breach of these terms, or your dealings with any umbrella provider or third party introduced or signposted through the service.

Limitation of liability
To the fullest extent permitted by law, Umbrella Comparisons, its group companies, and their respective directors, officers, employees, agents, licensors, and service providers will not be liable for any indirect, incidental, special, consequential, or punitive loss or damage. This includes any loss of profit, revenue, data, business, goodwill, or other non tangible loss arising out of or in connection with your use of, or inability to use, the service or your reliance on any content or third party offering accessed through it.

Nothing in these terms excludes or limits liability for death or personal injury caused by negligence, for fraud, or for any other liability that cannot be excluded or limited under applicable law.

Promotions and sign on bonus
From time to time Umbrella Comparisons may offer promotional incentives, including a sign on bonus of up to one hundred and fifty pounds. These offers are made available to us by one or more providers and are only available on selected products or services. They are not guaranteed, may be exclusive to Umbrella Comparisons at the time they are advertised, and are not fixed to any one provider or any one product.

Any promotional offer, including a sign on bonus, is subject to specific eligibility criteria which may include minimum earnings, length of engagement, or other conditions set by the provider. The details of eligibility, the exact amount payable, and how and when it is paid will be set out in the relevant promotional material and or in your confirmation from us or the relevant provider.

Providers have the right to change or end any promotional offer at any time. Umbrella Comparisons also reserves the right to withdraw, suspend, or amend any promotion at any time. We may withhold or require repayment of a bonus if we reasonably believe that the eligibility criteria have not been met, the offer has been abused, or the underlying arrangement is cancelled, not taken up, or terminated within a reasonable period.

Data and privacy
We will hold your personal data for as long as it is reasonably required for the purposes set out in these terms and to operate and improve the service, unless you ask us to remove it and we are able to do so while still complying with our legal and regulatory obligations. In some cases your data may be shared with carefully selected partner companies that provide similar services to Umbrella Comparisons where this is needed to provide information or services that you have requested, to arrange introductions, or to help administer any product or service you choose.

We will only share your data with such partners in line with applicable data protection law and we expect them to protect your information and use it only for the purposes for which it was shared. You can contact us at any time if you wish to update your details, object to certain uses of your data, or ask us to stop using it for marketing.

Governing law

These terms and any dispute or claim arising out of or in connection with them or their subject matter are governed by the laws of England and Wales, without regard to any conflict of law principles.

If we do not exercise or enforce any right or provision in these terms, that will not be treated as a waiver of that right or provision. If any provision of these terms is found by a court or competent authority to be invalid or unenforceable, the remaining provisions will continue in full force and effect. These terms represent the entire agreement between you and us in relation to your use of the service and replace any previous understandings or agreements relating to the service.

Changes to these terms
We may revise these terms from time to time. When we make material changes, we will update the terms on our website and, where reasonably possible, give you notice.

By continuing to access or use the service after updated terms take effect, you agree to be bound by them. If you do not agree to the updated terms, you should stop using the service.

Contact us
If you have any questions about these terms, or about Umbrella Comparisons generally, please contact us.