QOL Limited Terms and Conditions

 PLEASE READ THE FOLLOWING TERMS AND CONDITIONS OF USE CAREFULLY BEFORE USING THIS WEBSITE.

All users of this site agree that access to and use of this site are subject to the following terms and conditions and other applicable law. If you do not agree to these terms and conditions, please do not use this site.

Copyright. The entire content included in this site, including but not limited to text, graphics or code is copyrighted as a collective work under the United Kingdom and other copyright laws, and is the property of QOL Limited. The collective work includes works that are licensed to QOL Limited. Copyright 2013, QOL Limited. ALL RIGHTS RESERVED. Permission is granted to electronically copy and print hard copy portions of this site for the sole purpose of placing an order with QOL Limited or purchasing QOL Limited products. You may display and, subject to any expressly stated restrictions or limitations relating to specific material, download or print portions of the material from the different areas of the site solely for your own non-commercial use, or to place an order with QOL Limited or to purchase QOL Limited products. Any other use, including but not limited to the reproduction, distribution, display or transmission of the content of this site is strictly prohibited, unless authorised by QOL Limited.  You further agree not to change or delete any proprietary notices from materials downloaded from the site.

Trademarks. All QOL Limited used in the site are trademarks or registered trademarks of QOL Limited.

Warranty Disclaimer. This site and the materials and products on this site are provided “as is” and without warranties of any kind, whether express or implied. To the fullest extent permissible pursuant to applicable law, QOL Limited disclaims all warranties, express or implied, including, but not limited to, implied warranties of merchantability and fitness for a particular purpose and non-infringement. QOL Limited does not represent or warrant that the functions contained in the site will be uninterrupted or error-free, that the defects will be corrected, or that this site or the server that makes the site available are free of viruses or other harmful components. QOL Limited does not make any warranties or representations regarding the use of the materials in this site in terms of their correctness, accuracy, adequacy, usefulness, timeliness, reliability or otherwise.

Limitation of Liability. QOL Limited shall not be liable for any special or consequential damages that result from the use of, or the inability to use, the materials on this site or the performance of the products, even if QOL Limited has been advised of the possibility of such damages.  Applicable law may not allow the limitation of exclusion of liability or incidental or consequential damages, so the above limitation or exclusion may not apply to you.

Typographical Errors. In the event that a QOL Limited product is mistakenly listed at an incorrect price, QOL Limited reserves the right to refuse or cancel any orders placed for product listed at the incorrect price. QOL Limited reserves the right to refuse or cancel any such orders whether or not the order has been confirmed and your credit card charged. If your credit card has already been charged for the purchase and your order is cancelled, QOL Limited shall issue a credit to your credit card account in the amount of the incorrect price

Term; Termination. These terms and conditions are applicable to you upon your accessing the site and/or completing the registration or shopping process. These terms and conditions, or any part of them, may be terminated by QOL Limited without notice at any time, for any reason. The provisions relating to Copyrights, Trademark, Disclaimer, Limitation of Liability, Indemnification and Miscellaneous, shall survive any termination.

Notice. QOL Limited may deliver notice to you by means of e-mail, a general notice on the site, or by other reliable method to the address you have provided to QOL Limited.

Miscellaneous. Your use of this site shall be governed in all respects by the laws of England and Wales without regard to choice of law provisions, and not by the 1980 U.N. Convention on contracts for the international sale of goods. You agree that jurisdiction over and venue in any legal proceeding directly or indirectly arising out of or relating to this site (including but not limited to the purchase of QOL Limited products) shall be in the courts located in United Kingdom. Any cause of action or claim you may have with respect to the site (including but not limited to the purchase of QOL Limited products) must be commenced within one (1) year after the claim or cause of action arises. QOL Limited’s failure to insist upon or enforce strict performance of any provision of these terms and conditions shall not be construed as a waiver of any provision or right. Neither the course of conduct between the parties nor trade practice shall act to modify any of these terms and conditions. QOL Limited may assign its rights and duties under this Agreement to any party at any time without notice to you.

Use of Site. Harassment in any manner or form on the site, including via e-mail, chat, or by use of obscene or abusive language, is strictly forbidden. Impersonation of others, including a QOL Limited or other licensed employee, host, or representative, as well as other members or visitors on the site is prohibited. You may not upload to, distribute, or otherwise publish through the site any content which is libellous, defamatory, obscene, threatening, invasive of privacy or publicity rights, abusive, illegal, or otherwise objectionable which may constitute or encourage a criminal offense, violate the rights of any party or which may otherwise give rise to liability or violate any law. You may not upload commercial content on the site or use the site to solicit others to join or become members of any other commercial online service or other organisation.

Participation Disclaimer. QOL Limited does not and cannot review all communications and materials posted to or created by users accessing the site, and is not in any manner responsible for the content of these communications and materials. You acknowledge that by providing you with the ability to view and distribute user-generated content on the site, QOL Limited is merely acting as a passive conduit for such distribution and is not undertaking any obligation or liability relating to any contents or activities on the site. However, QOL Limited reserves the right to block or remove communications or materials that it determines to be (a) abusive, defamatory, or obscene, (b) fraudulent, deceptive, or misleading, (c) in violation of a copyright, trademark or; other intellectual property right of another or (d) offensive or otherwise unacceptable to QOL Limited in its sole discretion.

Indemnification. You agree to indemnify, defend, and hold harmless QOL Limited its officers, directors, employees, agents, licensors and suppliers (collectively the “Service Providers”) from and against all losses, expenses, damages and costs, including reasonable attorneys’ fees, resulting from any violation of these terms and conditions or any activity related to your account (including negligent or wrongful conduct) by you or any other person accessing the site using your Internet account.

Third-Party Links. In an attempt to provide increased value to our visitors, QOL Limited may link to sites operated by third parties. However, even if the third party is affiliated with QOL Limited, QOL Limited has no control over these linked sites, all of which have separate privacy and data collection practices, independent of QOL Limited. These linked sites are only for your convenience and therefore you access them at your own risk.  Nonetheless, QOL Limited seeks to protect the integrity of its web site and the links placed upon it and therefore requests any feedback on not only its own site, but for sites it links to as well (including if a specific link does not work).

WEBSITE TERMS AND CONDITIONS OF SUPPLY

WEBSITE TERMS AND CONDITIONS OF SUPPLY

This page (together with our Privacy Policy, Terms of Website Use and Website Acceptable Use Policy tells you information about us and the legal terms and conditions (Terms) on which we sell any of the products (Products) listed on our website (our site) to you.
These Terms will apply to any contract between us for the sale of Products to you (Contract). Please read these Terms carefully and make sure that you understand them, before ordering any Products from our site.  Please note that before placing an order you will be asked to agree to these Terms. If you refuse to accept these Terms, you will not be able to order any Products from our site.
You should print a copy of these Terms or save them to your computer for future reference.
We amend these Terms from time to time as set out in clause 8. Every time you wish to order Products, please check these Terms to ensure you understand the terms which will apply at that time.
These Terms, and any Contract between us, are only in the English language.
1.    INFORMATION ABOUT US
1.1    We operate the website www.buddycover.com We are QOL Limited, a company registered in England and Wales under company number 07638742 and with our registered office at David Wright Accountants Limited, 1st Floor, Nathaniel House, David Street, Bridgend, South Wales, CF31 3SA.  Our main trading address is QOL Limited, The Basement, 67 Walter Road, Swansea, SA1 4PT. Our VAT number is 11858121.
1.2    Contacting us if you are a consumer:
(a)    To cancel a Contract in accordance with your legal right to do so as set out in clause 9, you just need to e-mail us at info@buddycover.com or contact our Customer Services team by telephone on 0800 2700075 or by post to our registered office. If you are emailing us or writing to us please include details of your order to help us to identify it. If you send us your cancellation notice by e-mail or by post, then your cancellation is effective from the date you send us the e-mail or post the letter to us.
(b)    If you wish to contact us for any other reason, including because you have any complaints, you can contact us by telephoning our customer service team at 0800 2700075 or by e-mailing us at sales@buddycover.com.
(c)    If we have to contact you or give you notice in writing, we will do so by e-mail or by pre-paid post to the address you provide to us in your order.
1.3    Contacting us if you are a business. You may contact us by telephoning our customer service team at 0800 2700075 or by e-mailing us at sales@buddycover.com. If you wish to give us formal notice of any matter in accordance with these Terms, please see clause 18.3.
2.    OUR PRODUCTS
2.1    The images of the Products on our site are for illustrative purposes only. Although we have made every effort to display the colours accurately, we cannot guarantee that your computer’s display of the colours accurately reflect the colour of the Products. Your Products may vary slightly from those images.
2.2    The packaging of the Products may vary from that shown on images on our site.
3.    USE OF OUR SITE
Your use of our site is governed by our Terms of website use  and Website Acceptable Use Policy. Please take the time to read these, as they include important terms which apply to you.
4.    HOW WE USE YOUR PERSONAL INFORMATION
We only use your personal information in accordance with our Privacy Policy. Please take the time to read our Privacy Policy, as it includes important terms which apply to you.
5.    IF YOU ARE A CONSUMER
This clause 5 only applies if you are a consumer.
5.1    If you are a consumer, you may only purchase Products from our site if you are at least 18 years old.
6.    IF YOU ARE A BUSINESS CUSTOMER
This clause 6 only applies if you are a business.
6.1    If you are not a consumer, you confirm that you have authority to bind any business on whose behalf you use our site to purchase Products.
6.2    These Terms and our Privacy Policy, Terms of Website Use  and Website Acceptable Use Policy constitutes the entire agreement between you and us and supersedes and extinguishes all previous agreements, promises, assurances, warranties, representations and understandings between us, whether written or oral, relating to its subject matter.
6.3    You acknowledge that in entering into this Contract you do not rely on any statement, representation, assurance or warranty (whether made innocently or negligently) that is not set out in these Terms, our Privacy Policy, Terms of Website Use and Website Acceptable Use Policy.
6.4    You and we agree that neither of us shall have any claim for innocent or negligent misrepresentation or negligent misstatement based on any statement in this Contract.
7.    HOW THE CONTRACT IS FORMED BETWEEN YOU AND US
7.1    Our shopping pages will guide you through the steps you need to take to place an order with us. Our order process allows you to check and amend any errors before submitting your order to us. Please take the time to read and check your order at each page of the order process.
7.2    After you place an order, you will receive an e-mail from us acknowledging that we have received your order.  However, please note that this does not mean that your order has been accepted.
7.3    If we are unable to supply you with a Product, for example because that Product is not in stock or no longer available or because we cannot meet your requested delivery date or because of an error in the price on our site as referred to in clause 13.5, we will inform you of this by e-mail and we will not process your order. If you have already paid for the Products, we will refund you the full amount including any delivery costs charged as soon as possible.
8.    OUR RIGHT TO VARY THESE TERMS
8.1    We amend these Terms from time to time. Please look at the top of this page to see when these Terms were last updated.
8.2    Every time you order Products from us, the Terms in force at the time of your order will apply to the Contract between you and us.
8.3    We may revise these Terms as they apply to your order from time to time to reflect the following circumstances such as changes in relevant laws and regulatory requirements.
8.4    If we have to revise these Terms as they apply to your order, we will contact you to give you reasonable advance notice of the changes and let you know how to cancel the Contract if you are not happy with the changes. You may cancel either in respect of all the affected Products or just the Products you have yet to receive. If you opt to cancel, you will have to return (at our cost) any relevant Products you have already received and we will arrange a full refund of the price you have paid, including any delivery charges.
9.    YOUR CONSUMER RIGHT OF RETURN AND REFUND
This clause 9 only applies if you are a consumer.
9.1    If you are a consumer, you have a legal right to cancel a Contract under the Consumer Contracts (Information, Cancellation and Additional Charges) Regulations 2013 during the period set out below in clause 9.3. This means that during the relevant period if you change your mind or decide for any other reason that you do not want to receive or keep a Product, you can notify us of your decision to cancel the Contract and receive a refund. Advice about your legal right to cancel the Contract is available from your local Citizens’ Advice Bureau or Trading Standards office.
9.2    Your legal right to cancel a Contract starts from the date of the Dispatch Confirmation (the date on which we e-mail you to confirm our acceptance of your order), which is when the Contract between us is formed. Your deadline for cancelling the Contract then depends on what you have ordered and how it is delivered, as set out in the table below:

Your Contract     End of the cancellation period
Your Contract is for a single Product (which is not delivered in instalments on separate days).    The end date is the end of 14 days after the day on which you receive the Product.
Example: if we provide you with a Dispatch Confirmation on 1 January and you receive the Product on 10 January you may cancel at any time between 1 January and the end of the day on 24 January.
Your Contract is for either of the following:
•    one Product which is delivered in instalments on separate days.
•    multiple Products which are delivered on separate days.    The end date is 14 days after the day on which you receive the last instalment of the Product or the last of the separate Products ordered.
Example:  if we provide you with a Dispatch Confirmation on 1 January and you receive the first instalment of your Product or the first of your separate Products on 10 January and the last instalment or last separate Product on 15 January you may cancel in respect of all instalments and any or all of the separate Products at any time between 1 January and the end of the day on 29 January.
Your Contract is for the regular delivery of a Product over a set period.    The end date is 14 days after the day on which you receive the first delivery of the Products.
Example: if we provide you with a Dispatch Confirmation on 1 January in respect of Products to be delivered at regular intervals over a year and you receive the first delivery of your Product on 10 January, you may cancel at any time between 1 January and the end of the day on 24 January. 24 January is the last day of the cancellation period in respect of all Products to arrive during the year.

9.3    To cancel a Contract, you should e-mail us at sales@buddycover.com or contact our Customer Services team by telephone on 0800 2700075 or by post to QOL Limited at our sales office. If you are e-mailing us or writing to us please include details of your order to help us to identify it. If you send us your cancellation notice by e-mail or by post, then your cancellation is effective from the date you send us the e-mail or post the letter to us. For example, you will have given us notice in time as long as you get your letter into the last post on the last day of the cancellation period or e-mail us before midnight on that day.
9.4    If you cancel your Contract we will:-
(a)    refund you the price you paid for the Products. However, please note we are permitted by law to reduce your refund to reflect any reduction in the value of the goods, if this has been caused by your handling them in a way which would not be permitted in a shop. See our Returns Page for information about what handling is acceptable and examples.
(b)    refund any delivery costs you have paid, although, as permitted by law, the maximum refund will be the costs of delivery by the least expensive delivery method we offer (provided that this is a common and generally acceptable method). For example, if we offer delivery of a Product within 3-5 days at one cost but you choose to have the Product delivered within 24 hours at a higher cost, then we will only refund what you would have paid for the cheaper delivery option.
(c)     make any refunds due to you as soon as possible and in any event within the deadlines indicated below:
(i)    if you have received the Product and we have not offered to collect it from you: 14 days after the day on which we receive the Product back from you or, if earlier, the day on which you provide us with evidence that you have sent the Product back to us.  For information about how to return a Product to us, see clause 9.8;
(ii)    if you have not received the Product or you have received it and we have offered to collect it from you: 14 days after you inform us of your decision to cancel the Contract.
9.5    If you have returned the Products to us under this clause 9 because they are faulty or incorrectly described, we will refund the price of the Products in full, together with any applicable delivery charges, and any reasonable costs you incur in returning the item to us.
9.6    We will refund you on the credit card or debit card used by you to pay. If you used vouchers to pay for the Product we may refund you in vouchers.
9.7    If a Product has been delivered to you before you decide to cancel your Contract:-
(a)    then you must return it to us without undue delay and in any event not later than 14 days after the day on which you let us know that you wish to cancel the Contract by sending it back to our registered office.
(b)    unless the Product is faulty or not as described (in this case, see clause 9.6), you will be responsible for the cost of returning the Products to us. If the Product is one which cannot be returned by post, we estimate that if you use the carrier which delivered the Product to you, these costs should not exceed the sums we charged you for delivery.
9.8    Because you are a consumer, we are under a legal duty to supply Products that are in conformity with this Contract. As a consumer, you have legal rights in relation to Products that are faulty or not as described. These legal rights are not affected by your right of return and refund in this clause 9 or anything else in these Terms. Advice about your legal rights is available from your local Citizens’ Advice Bureau or Trading Standards office.
10.    DELIVERY
10.1    We will contact you with an estimated delivery date. Occasionally our delivery to you may be affected by an Event Outside Our Control. See clause 17 for our responsibilities when this happens.
10.2    Delivery of an Order shall be completed when we deliver the Products to the address you gave us or you or a carrier organised by you collect them from us and the Products will be your responsibility from that time.
10.3    You own the Products once we have received payment in full, including all applicable delivery charges.
This clause 10.4 only applies if you are a consumer.
10.4    If we miss a delivery deadline (if agreed when ordering) for any Products then you may cancel your Order straight away if any of the following apply:
(a)    we have refused to deliver the Products;
(b)    delivery within the delivery deadline was essential (taking into account all the relevant circumstances); or
(c)    you told us before we accepted your order that delivery within the delivery deadline was essential.
10.5    If you do not wish to cancel your order straight away, or do not have the right to do so under clause 10.4, you can give us a new deadline for delivery, which must be reasonable, and you can cancel your Order if we do not meet the new deadline.
10.6    If you do choose to cancel your Order for late delivery under clause 10.5 or clause 10.6, you can do so for just some of the Products or all of them, unless splitting them up would significantly reduce their value. If the Products have been delivered to you, you will have to return them to us or allow us to collect them, and we will pay the costs of this. After you cancel your Order we will refund any sums you have paid to us for the cancelled Products and their delivery.
11.    PRICE OF PRODUCTS AND DELIVERY CHARGES
11.1    The prices of the Products will be as quoted on our site at the time you submit your order. We take reasonable care to ensure that the prices of Products are correct at the time when the relevant information was entered onto the system. However please see clause 12.5 for what happens if we discover an error in the price of Product(s) you ordered.
11.2    Prices for our Products may change from time to time, but changes will not affect any order you have already placed.
11.3    The price of a Product includes VAT (where applicable) at the applicable current rate chargeable in the UK for the time being. However, if the rate of VAT changes between the date of your order and the date of delivery, we will adjust the VAT you pay, unless you have already paid for the Products in full before the change in VAT takes effect.
11.4    The price of a Product does not include delivery charges. Our delivery charges are as advised to you during the check-out process, before you confirm your order. To check relevant delivery charges, please do this on checkout.
11.5    Our site contains a large number of Products. It is always possible that, despite our reasonable efforts, some of the Products on our site may be incorrectly priced. If we discover an error in the price of the Products you have ordered we will contact you to inform you of this error and we will give you the option of continuing to purchase the Product at the correct price or cancelling your order. We will not process your order until we have your instructions. If we are unable to contact you using the contact details you provided during the order process, we will treat the order as cancelled and notify you in writing. Please note that if the pricing error is obvious and unmistakeable and could have reasonably been recognised by you as an error in pricing, we do not have to provide the Products to you at the incorrect (lower) price.
12.    HOW TO PAY
12.1    You can only pay for Products using a debit card, credit card or PayPal.
12.2    Payment for the Products and all applicable delivery charges are taken at point of purchase.
13.    OUR WARRANTY FOR THE PRODUCTS
13.1    For Products which do not have a manufacturer’s guarantee, we provide a warranty that on delivery and for a period of 8 weeks from delivery, the Products shall be free from material defects. However, this warranty does not apply in the circumstances described in clause 13.2.
13.2    The warranty in clause 13.1 does not apply to any defect in the Products arising from:
(a)    fair wear and tear;
(b)    wilful damage, abnormal storage or working conditions, accident, negligence by you or by any third party;
(c)    if you fail to operate or use the Products in accordance with the user instructions provided with the product or on our website;
(d)    any alteration or repair by you or by a third party who is not one of our authorised repairers; or
(e)    any specification provided by you.
13.3    If you are a consumer, this warranty is in addition to your legal rights in relation to Products that are faulty or not as described. Advice about your legal rights is available from your local Citizens’ Advice Bureau or Trading Standards office.
14.    OUR LIABILITY IF YOU ARE A BUSINESS
This clause 14 only applies if you are a business customer.
14.1    We only supply the Products for internal use by your business, and you agree not to use the Product for any resale purposes.
14.2    Nothing in these Terms limits or excludes our liability for:
(a)    death or personal injury caused by our negligence;
(b)    fraud or fraudulent misrepresentation;
(c)    breach of the terms implied by section 12 of the Sale of Goods Act 1979 (title and quiet possession); or
(d)    defective products under the Consumer Protection Act 1987.
14.3    Subject to clause 14.2, we will under no circumstances whatever be liable to you, whether in contract, tort (including negligence), breach of statutory duty, or otherwise, arising under or in connection with the Contract for:
(a)    any loss of profits, sales, business, or revenue;
(b)    loss or corruption of data, information or software;
(c)    loss of business opportunity;
(d)    loss of anticipated savings;
(e)    loss of goodwill; or
(f)    any indirect or consequential loss.
14.4    Subject to clause 14.2, our total liability to you in respect of all losses arising under or in connection with the Contract, whether in contract, tort (including negligence), breach of statutory duty, or otherwise, shall in no circumstances exceed 50 (fifty) percent of the price of the Products.
14.5    Except as expressly stated in these Terms, we do not give any representation, warranties or undertakings in relation to the Products. Any representation, condition or warranty which might be implied or incorporated into these Terms by statute, common law or otherwise is excluded to the fullest extent permitted by law. In particular, we will not be responsible for ensuring that the Products are suitable for your purposes.
15.    OUR LIABILITY IF YOU ARE A CONSUMER
This clause 15 only applies if you are a consumer.
15.1    If we fail to comply with these Terms, we are responsible for loss or damage you suffer that is a foreseeable result of our breach of these Terms or our negligence, but we are not responsible for any loss or damage that is not foreseeable. Loss or damage is foreseeable if it is an obvious consequence of our breach or if it was contemplated by you and us at the time we entered into this contract.
15.2    We only supply the Products for domestic and private use. You agree not to use the product for any commercial, business or resale purposes, and we have no liability to you for any loss of profit, loss of business, business interruption, or loss of business opportunity.
15.3    We do not in any way exclude or limit our liability for:
(a)    death or personal injury caused by our negligence;
(b)    fraud or fraudulent misrepresentation;
(c)    any breach of the terms implied by section 11 of the Sale of Goods Act 1979 (title and quiet possession);
(d)    any breach of the terms implied by section 12 to 14 of the Sale of Goods Act 1979 (description, satisfactory quality, fitness for purpose and samples); and
(e)     defective products under the Consumer Protection Act 1987.
16.    EVENTS OUTSIDE OUR CONTROL
16.1    We will not be liable or responsible for any failure to perform, or delay in performance of, any of our obligations under a Contract that is caused by an Event Outside Our Control. An Event Outside Our Control is defined below in clause 16.2.
16.2    An Event Outside Our Control means any act or event beyond our reasonable control, including without limitation strikes, lock-outs or other industrial action by third parties, civil commotion, riot, invasion, terrorist attack or threat of terrorist attack, war (whether declared or not) or threat or preparation for war, fire, explosion, storm, flood, earthquake, subsidence, epidemic or other natural disaster, failure of a supplier to us or any third party manufacturer or failure of public or private telecommunications networks or impossibility of the use of railways, shipping, aircraft, motor transport or other means of public or private transport.
16.3    If an Event Outside Our Control takes place that affects the performance of our obligations under a Contract:
(a)    we will contact you as soon as reasonably possible to notify you; and
(b)    our obligations under a Contract will be suspended and the time for performance of our obligations will be extended for the duration of the Event Outside Our Control. Where the Event Outside Our Control affects our delivery of Products to you, we will arrange a new delivery date with you after the Event Outside Our Control is over.
16.4    You may cancel a Contract affected by an Event Outside Our Control which has continued for more than 90 days. To cancel please contact us. If you opt to cancel, you will have to return any relevant Products you have already received (so long as they can be in line with these Terms) and we will refund the price you have paid, including any delivery charges.
17.    COMMUNICATIONS BETWEEN US
17.1    When we refer, in these Terms, to “in writing”, this will include e-mail.
17.2    If you are a consumer you may contact us as described in clause 1.2.
17.3    If you are a business:
(a)    Any notice or other communication given by you to us, or by us to you, under or in connection with the Contract shall be in writing and shall be delivered personally, sent by pre-paid first class post or other next working day delivery service or e-mail.
(b)    A notice or other communication shall be deemed to have been received: if delivered personally, when left at our sales office; if sent by pre-paid first class post or other next working day delivery service, at 9.00 am on the second Business Day after posting or if sent by e-mail, one Business Day after transmission.
(c)    In proving the service of any notice, it will be sufficient to prove, in the case of a letter, that such letter was properly addressed, stamped and placed in the post and, in the case of an e-mail, that such e-mail was sent to the specified e-mail address of the addressee.

(d)    The provisions of this clause shall not apply to the service of any proceedings or other documents in any legal action.
18.    OTHER IMPORTANT TERMS
18.1    We may transfer our rights and obligations under a Contract to another organisation, but this will not affect your rights or our obligations under these Terms. We will always notify you by posting on this webpage if this happens.
18.2    You may only transfer your rights or your obligations under these Terms to another person if we agree in writing. However if you are a consumer and you have purchased a Product as a gift, you may transfer the benefit of our warranty in clause 16 to the recipient of the gift without needing to ask our consent.
18.3    This Contract is between you and us. No other person shall have any rights to enforce any of its terms.
18.4    Each of the paragraphs of these Terms operates separately. If any court or relevant authority decides that any of them are unlawful or unenforceable, the remaining paragraphs will remain in full force and effect.
18.5    If we fail to insist that you perform any of your obligations under these Terms, or if we do not enforce our rights against you, or if we delay in doing so, that will not mean that we have waived our rights against you and will not mean that you do not have to comply with those obligations. If we do waive a default by you, we will only do so in writing, and that will not mean that we will automatically waive any later default by you.
18.6    If you are a consumer, please note that these Terms are governed by English and Welsh law. This means a Contract for the purchase of Products through our site and any dispute or claim arising out of or in connection with it will be governed by English and Welsh law. You and we both agree that the courts of England and Wales will have non-exclusive jurisdiction to the extent that if you are a resident of Northern Ireland you may also bring proceedings in Northern Ireland, and if you are a resident of Scotland, you may also bring proceedings in Scotland.
18.7    If you are a business, a Contract and any dispute or claim arising out of or in connection with it or its subject matter or formation (including non-contractual disputes or claims) shall be governed by and construed in accordance with the law of England and Wales.
18.8    If you are a business, we both irrevocably agree that the courts of England and Wales shall have exclusive jurisdiction to settle any dispute or claim arising out of or in connection with a Contract or its subject matter or formation (including non-contractual disputes or claims).

ACCEPTABLE USE POLICY

This acceptable use policy sets out the terms between you and us under which you may access our website www.buddycover.com (our site). This acceptable use policy applies to all users of, and visitors to, our site.
Your use of our site means that you accept, and agree to abide by, all the policies in this acceptable use policy, which supplement our terms of website use.
www.buddycover.com is a site operated by QOL Limited (we or us).  We are registered in England and Wales under company number 07638742 and we have our registered office at David Wright Accountants Limited, 1st Floor, Nathaniel House, David Street, Bridgend, South Wales, CF31 3SA. Our main trading address is QOL Limited, The Basement, 67 Walter Road, Swansea, SA1 4PT. Our VAT number is 11858121.
PROHIBITED USES
You may use our site only for lawful purposes.  You may not use our site:-
•    In any way that breaches any applicable local, national or international law or regulation.
•    In any way that is unlawful or fraudulent, or has any unlawful or fraudulent purpose or effect.
•    For the purpose of harming or attempting to harm minors in any way.
•    To send, knowingly receive, upload, download, use or re-use any material which does not comply with our content standards (see below).
•    To transmit, or procure the sending of, any unsolicited or unauthorised advertising or promotional material or any other form of similar solicitation (spam).
•    To knowingly transmit any data, send or upload any material that contains viruses, Trojan horses, worms, time-bombs, keystroke loggers, spyware, adware or any other harmful programs or similar computer code designed to adversely affect the operation of any computer software or hardware.
You also agree:
•    Not to reproduce, duplicate, copy or re-sell any part of our site in contravention of the provisions of our terms of website use – https://www.buddycover.com/terms-and-conditions/
•    Not to access without authority, interfere with, damage or disrupt:-
•    any part of our site;
•    any equipment or network on which our site is stored;
•    any software used in the provision of our site; or
•    any equipment or network or software owned or used by any third party.
INTERACTIVE SERVICES
We may from time to time provide interactive services on our site, including, without limitation:-
•    Chat rooms;
•    Bulletin boards;
•    Forums;
•    Social media;and
•    Interactive blogs
(interactive services).
Where we do provide any interactive service, we will provide clear information to you about the kind of service offered, if it is moderated and what form of moderation is used (including whether it is human or technical).
We will do our best to assess any possible risks for users (and in particular, for children) from third parties when they use any interactive service provided on our site, and we will decide in each case whether it is appropriate to use moderation of the relevant service (including what kind of moderation to use) in the light of those risks. However, we are under no obligation to oversee, monitor or moderate any interactive service we provide on our site, and we expressly exclude our liability for any loss or damage arising from the use of any interactive service by a user in contravention of our content standards, whether the service is moderated or not.
The use of any of our interactive services by a minor is subject to the consent of their parent or guardian. We advise parents who permit their children to use an interactive service that it is important that they communicate with their children about their safety online, as moderation is not foolproof. Minors who are using any interactive service should be made aware of the potential risks to them.
Where we do moderate an interactive service, we will normally provide you with a means of contacting the moderator, should a concern or difficulty arise.
CONTENT STANDARDS
These content standards apply to any and all material which you contribute to our site (contributions), and to any interactive services associated with it.
You must comply with the spirit and the letter of the following standards. The standards apply to each part of any contribution as well as to its whole.
Contributions must:-
•    Be accurate (where they state facts).
•    Be genuinely held (where they state opinions).
•    Comply with applicable law in the UK and in any country from which they are posted.
Contributions must not:-
•    Contain any material which is defamatory of any person.
•    Contain any material which is obscene, offensive, hateful or inflammatory.
•    Promote sexually explicit material.
•    Promote violence.
•    Promote discrimination based on race, sex, religion, nationality, disability, sexual orientation or age.
•    Infringe any copyright, database right or trade mark of any other person.
•    Be likely to deceive any person.
•    Be made in breach of any legal duty owed to a third party, such as a contractual duty or a duty of confidence.
•    Promote any illegal activity.
•    Be threatening, abuse or invade another’s privacy, or cause annoyance, inconvenience or needless anxiety.
•    Be likely to harass, upset, embarrass, alarm or annoy any other person.
•    Be used to impersonate any person, or to misrepresent your identity or affiliation with any person.
•    Give the impression that they emanate from us, if this is not the case.
•    Advocate, promote or assist any unlawful act such as (by way of example only) copyright infringement or computer misuse.
SUSPENSION AND TERMINATION
We will determine, in our discretion, whether there has been a breach of this acceptable use policy through your use of our site.  When a breach of this policy has occurred, we may take such action as we deem appropriate.
Failure to comply with this acceptable use policy constitutes a material breach of the terms of use [INSERT LINK TO OUR TERMS OF USE] upon which you are permitted to use our site, and may result in our taking all or any of the following actions:
•    Immediate, temporary or permanent withdrawal of your right to use our site.
•    Immediate, temporary or permanent removal of any posting or material uploaded by you to our site.
•    Issue of a warning to you.
•    Legal proceedings against you for reimbursement of all costs on an indemnity basis (including, but not limited to, reasonable administrative and legal costs) resulting from the breach.
•    Further legal action against you.
•    Disclosure of such information to law enforcement authorities as we reasonably feel is necessary.
We exclude liability for actions taken in response to breaches of this acceptable use policy.  The responses described in this policy are not limited, and we may take any other action we reasonably deem appropriate.
CHANGES TO THE ACCEPTABLE USE POLICY
We may revise this acceptable use policy at any time by amending this page. You are expected to check this page from time to time to take notice of any changes we make, as they are legally binding on you. Some of the provisions contained in this acceptable use policy may also be superseded by provisions or notices published elsewhere on our site.