Terms and conditions

of use

Terms and conditions of use

Please use these terms and conditions carefully before using this site

These Terms (together with the documents referred to in it) tells you the terms on which you may make use of our Setoo website and (as applicable) any services that we provide to you through our website including any mobile version or app (our website), whether as a guest or a registered user. Use of our website includes accessing, browsing, or registering to use any of our website. Please read these terms and conditions (“Terms”) carefully before you start to use our website, as these will apply to (i) your use of our website; and (ii) our services. We may make changes to these Terms from time to time and you should regularly review this page as we do not notify users of any such changes other than making them within these Terms. By using our website, you confirm that you accept these Terms and that you agree to comply with them. If you do not agree to these Terms, you must not use our website.

Other applicable terms

Other provisions that relate to these Terms refer to the following additional terms, which also apply to your use of our website:

  1. Our Privacy & Data Policy, which sets out the terms on which we process any personal data we collect from you, or that you provide to us. By using our website, you consent to such processing and you warrant that all data provided by you is accurate and you have the right to give it to us.

About Setoo™

setoo.com is a site owned and operated by Setoo.  Setoo is a trading name of Setoo Group Limited and all of its subsidiary companies anywhere in the world.  Setoo Group Limited is a limited liability company registered in England with registered company number 11003930 and its registered office address is at 30 Bankside Court, Stationfields, Kidlington, Oxfordshire, United Kingdom OX5 1JE. You can write to Setoo at the foregoing address or contact us at info@setoo.com.  Some Setoo subsidiary companies will provide regulated insurance services and are regulated by the applicable regulator in the area or country that they are domiciled and undertake business.  You will find further details of that on the applicable Setoo goods and services web page.

General terms applying to our website

Access to our Website

We do not guarantee that access to our website, or any content on it, will be uninterrupted or always available.  You have no rights to access our website and any access granted is at our sole discretion from time to time.  We may suspend, withdraw, discontinue or change all or any part of our website with or without notice. We will not be liable to you if for any reason our website is unavailable at any time or for any period.

You are responsible for making all arrangements necessary for you to have access to our website.  You are also responsible for ensuring that all persons who access our website through your internet connection are aware of these Terms and other applicable terms and conditions, and that they comply with them.

The information on our website

We make no warranty about the accuracy of any information on our website and no reliance should be placed upon it without separate agreement with us.  The views expressed on this website are those of Setoo, unless otherwise stated.  You have no right to copy (by electronic or other means) any content of this website without our permission in writing (and as may otherwise be expressed in these Terms) and if that permission is forthcoming you will only be licensed to use that content for specified purposes and not otherwise redistribute it.
The content of the website and all copyright in it, belongs to Setoo and/or its licensors.

In which territories can you use our website?

Our website is designed only for use (or applicable) within the country that the applicable Setoo company is domiciled, unless the website states otherwise. Setoo cannot guarantee that the services it provides are compliant within countries outside of those territories and then any such compliance is only insofar as compliance for the purposes of Setoo’s own business is concerned.
You are responsible for ensuring that any services or goods recommended or provided by Setoo are fit for the purposes that you wish to use them and that in doing so, you meet all of the legal and regulatory and compliance obligations concerning you, in your use of them.

Intellectual property rights

We are the owner or the licensee of all intellectual property rights in our website (including the “look and feel” of it), and in the material published on it. Those works are protected by copyright, trademark laws and patent rights (as applicable) around the world. All such rights are hereby expressly reserved.
You may print off a copy of any page(s) from our website for your personal use only and if you are a business you may draw the attention of others within your organization to content posted on our website but again only for internal purposes and you may not use it in any external marketing or publicity without our express prior written consent.
You have no rights to use any Setoo trademarks or devices without our express prior written consent and then only upon such terms as we may grant this right to you under.  You must not modify the paper or digital copies of any materials you have printed off or downloaded in any way, and you must not use any illustrations, photographs, video or audio sequences or any graphics separately from any accompanying text.
Our status (and that of any identified contributors) as the authors of content on our website must always be acknowledged, including stating that all our rights are reserved as the copyright owners.  If you print off, copy or download any part of our website in breach of these Terms, your right to use our website will cease immediately and you must, at our option, return or destroy any copies of the materials you have made.

You must not:

  1.   Disassemble or attempt to reverse engineer any software in our website, except as permitted by law;
  2.  Copy, distribute or communicate to the public content from our website or seek to copy, remove or alter any regulatory    notices, trademarks, logos or business names from our website; or
  3. Use a program or application to generate quotes or to scrape, copy or index the content from our website;
  4. Use or launch automated systems such as bots, spiders or load testers that access or attempt to access our website or services or seek to penetrate test our website at all. Third Party links and resources in our website

Third Party links and resources in our website
Our website may contain links to other sites and resources provided by third parties. We have no control over the contents of those sites or resources and they will be governed by separate terms and conditions.
We do not accept responsibility or liability for the content of any third-party website, including whether they comply with any laws, regulations or other guidance and nor that their goods and services are suitable for you or fit for any purpose.
You should ensure that you understand the regulatory notices, terms and conditions and privacy policies of any third-party website which you might be agreeing to.

Limitation of our liability

Our website is provided “as is”.  Nothing in these Terms excludes or limits our liability for death or personal injury arising from our negligence, or our fraud or fraudulent misrepresentation, or any other liability that cannot be excluded or limited by English law.
To the extent permitted by law, we exclude all conditions, warranties, representations or other terms which may apply to our website or any content on it, whether express or implied.
We will not be liable to any user for any loss or damage, whether in contract, tort (including negligence), breach of statutory duty, or otherwise for losses that:

  1. were not caused by any breach on our part; or
  2.  business losses; or
  3.  losses to non-consumers; or
  4.  loss of any data, opportunity, saving or otherwise arising under or in connection with your use of, or inability to use, our website; any delay in execution, or a change or fluctuation in a market or currency or any matter outside of our direct control, or use of or reliance on any content displayed on our website or links to it.

We have no liability to you for any loss of profit, loss of business, business interruption, or loss of business opportunity, loss of data or corruption of data.
We will not be liable for any loss or damage caused by a virus, distributed denial-of-service attack, or other technologically harmful material that may infect your computer equipment, computer programs, data or other proprietary material due to your use of our website or to your downloading of any content on it, or on any website linked to it.
You are responsible for ensuring that you have taken all measure to protect your systems and data.
We assume no responsibility for the content of websites linked on our website. Such links should not be interpreted as endorsement by us of those linked websites. We will not be liable for any loss or damage that may arise from your use of them.


We do not guarantee that our website will be secure or free from bugs or viruses.
You are responsible for configuring your information technology, computer programs and platform in order to access our website. You should use your own virus protection software.
You must not misuse our website by knowingly introducing viruses, Trojans, worms, logic bombs or other material which is malicious or technologically harmful. You must not attempt to gain unauthorized access to our website, the server on which our website is stored or any server, computer or database connected to our website. You must not attack our website via a denial-of-service attack or a distributed denial-of service attack. By breaching this provision, you would commit a criminal offence under the Computer Misuse Act 1990 (or any amendment or replacement thereof). We will report any such breach to the relevant law enforcement authorities and we will co-operate with those authorities by disclosing your identity to them. In the event of such a breach, your right to use our website will cease immediately.

Linking to our website

You may link to our home page, provided you do so in a way that is fair and legal and does not damage our reputation or take advantage of it or otherwise causes any damage to our good standing.
We reserve the right to instruct that you terminate any such link at any time immediately upon us advising you to do so.
You must not establish a link in such a way as to suggest any form of association, approval or endorsement on our part where none exists.
You must not establish a link to our website in any website that is not owned by you.  Our website must not be framed on any other site, nor may you create a link to any part of our website other than the home page.
If you wish to make any use of content on our website other than that set out above, please contact info@setoo.com.

Posting Content

We may allow you, and other users, to post content to publicly available areas of our site, such as a blog. If you do you are responsible for that content and grant to us a perpetual, worldwide, non-exclusive, royalty-free, sub-licensable and transferable license to use, reproduce and create derivative content, in whole or in part and in any format and through any media channel, including social media.