1. Agreement to Terms

By accessing and using this website (the “Site”), you agree to be bound by the following Terms of Use. If you do not accept these terms, you must discontinue use of the Site immediately. You agree not to use the Site for any unlawful purpose or in breach of these terms.

2. No Financial or Legal Advice

All content on this Site is for general information only and should not be interpreted as financial, legal, or professional advice. You should not base decisions solely on the content presented here.

3. Modifications to Site and Services

Couples Life Insurance reserves the right to do the following without prior notice:

• Alter, remove, or suspend any part of the Site, either temporarily or permanently.
• Adjust or discontinue any services, offers, or promotions featured on the Site.
• Amend or withdraw promotional codes or discount vouchers.
• Revise these Terms of Use at any time; continued use of the Site implies acceptance of such updates.

4. External Links

This Site may include links to external websites operated by third parties. These links are provided for convenience only, and Couples Life Insurance does not endorse or take responsibility for the content, policies, or availability of third-party websites.

5. Intellectual Property

All intellectual property rights in the materials, design, and content of this Site are owned by Couples Life Insurance or licensed to us. You may access and view content for personal, non-commercial use only. Reproduction, distribution, or modification of any material is not permitted without our prior written consent.

“Intellectual Property” refers to all rights (registered or unregistered) including but not limited to copyrights, trademarks, patents, trade secrets, design rights, and database rights.

6. Limitation of Liability

This Site is provided on an “as is” and “as available” basis. We make no warranties, either express or implied, regarding the performance, accuracy, or reliability of the Site.
To the fullest extent permitted by law, Couples Life Insurance disclaims liability for any direct, indirect, or consequential loss or damage (including loss of data, income, or business opportunities) resulting from your use of, or inability to use, this Site.

We do not guarantee that the Site will function uninterrupted or be free from errors, viruses, or other harmful components.

7. Indemnification

You agree to indemnify and hold harmless Couples Life Insurance, its employees, and agents from any claims, losses, costs, or legal expenses resulting from your breach of these Terms or misuse of the Site.

8. Severability

If any part of these Terms is deemed invalid or unenforceable by a court or other authority, that provision shall be modified or removed to the extent necessary to ensure legality. The remaining terms will remain in full effect.

9. Governing Law & Jurisdiction

These Terms and any disputes arising from them will be governed by the laws of England and Wales. You agree that any legal matters will be handled exclusively by the courts in England.

10. Headings

Section titles are provided for clarity and convenience only. They do not affect the interpretation of these Terms.

11. Entire Agreement

These Terms of Use represent the full understanding between you and Couples Life Insurance regarding use of the Site. They override any prior communications or agreements, whether oral or written.

You confirm that you have not relied on any statements not expressly included in these Terms, and you waive any claims for misrepresentation unless explicitly stated in this document.