Legal

Terms of use

Last updated: [DATE]

Draft. This text is a starting point. Before launch it must be checked by a lawyer and completed with your company details (marked in [brackets]).

1. Scope and acceptance

These terms govern your use of the FLS website and our comparison and referral service (together, the “Service”), operated by [Company name], [address] (“FLS”, “we”, “us”). By submitting a request, you agree to these terms. If you do not agree, please do not use the Service.

Using the Service and receiving offers is free of charge for you.

2. What FLS does

FLS is an intermediary. We collect requests for financial and insurance products, pass the relevant details to partner companies with your consent, and help you receive offers from them. FLS does not:

Every contract is concluded directly between you and the partner. The partner is responsible for its product, its advice (where given) and its pre-contractual information.

3. No advice and no guarantee of offers

Information on the Service is for general orientation only and is not personal financial, legal or tax advice. We cannot guarantee that you will receive an offer, that an offer will be approved, or that an offer will be the cheapest available. Credit and insurance decisions are made by the partner, based on its own checks.

4. Fees and partner payments

Partners may pay [Company name] a fee when you accept one of their offers. Any fee is included in the partner's pricing and is never charged to you on top of it. Where a fee is relevant, the partner must state it in its own offer documents. If you have a question about a fee, ask us or the partner before you sign.

5. Your obligations

6. How we contact you

By submitting a request and ticking the consent box, you allow FLS and, where you have agreed, its partners to contact you by phone and email about that request. You can withdraw this consent at any time (see our privacy policy).

7. Intellectual property

The Service, including its design, text, logo and software, is protected by copyright and trademark law. You may view and print pages for personal use. Any other use, including copying or systematically extracting content such as prices or offer data, requires our written permission.

8. Liability

FLS is liable without limit for intent and gross negligence, for injury to life, body or health, and under mandatory product liability law.

For slight negligence, FLS is liable only for breach of an essential contractual obligation (a “cardinal obligation”), and then only for the damage that is typical and foreseeable for this type of contract. Otherwise, liability is excluded.

The Service is provided “as is” and “as available”. We work to keep it running and secure, but we do not guarantee uninterrupted availability or the absence of errors.

The Service may link to third-party websites. We do not control their content and are not responsible for it. Their own terms and privacy policies apply when you use them.

10. Privacy

How we process personal data is described in our privacy policy, which forms part of these terms.

11. Governing law and disputes

These terms are governed by the law of the Federal Republic of Germany, excluding the UN Convention on Contracts for the International Sale of Goods. If you are a consumer, this choice does not deprive you of the protection of mandatory laws in the country where you live. For disputes with businesses, the court at [city] has jurisdiction, where the law allows.

The European Commission provides an online dispute resolution platform at ec.europa.eu/consumers/odr. We are not obliged and not willing to take part in dispute resolution before a consumer arbitration board.

12. Changes to these terms

We may change these terms. The date at the top shows the latest version. Continued use of the Service after a change means you accept the updated terms. Requests already submitted remain governed by the terms in force when they were submitted.

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