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Terms and Conditions

Thanks for using our website (herein 'Services'). The Services are provided by Totally Sports Insurance, which is a trading name of Patriot FS Limited, which is a private company limited by shares, incorporated by the Chief Registrar of Companies and registered at Companies House under the Companies Act 2006. The Company's Registered Number is 8000119. The Registered Office of the Company is 69-73 High Street, Cheadle, Cheshire, SK8 1AA.

Our Services may display some content that does not belong to Patriot FS Limited. This content is the sole responsibility of the entity that makes it available. We may review content to determine whether it is illegal or violates our policies, and we may remove or refuse to display content that we reasonably believe violates our policies or the law. But that does not necessarily mean that we review content, so please do not assume that we do.

Privacy and Copyright Protection

Patriot FS Limited’s privacy statement explains how we treat your personal data and protect your privacy when you use our Services.

By using our Services, you agree that Patriot FS Limited can use such data in accordance with our Privacy Statement.

If you think that somebody is violating your copyright and want to notify us, you can contact us through the website by messaging Patriot FS Limited or you can telephone 0161 428 6472.

Your Content in our Services

When you upload or otherwise submit content to our Services, you give Patriot FS Limited a worldwide license to use, host, store, modify, communicate, publish, publicly display and distribute such content. The rights that you grant in this license are for the limited purpose of operating, promoting and improving our Services, and to develop new ones. This license continues even if you stop using our Services. Some Services may offer you ways to access and remove content that has been provided to that Service. Make sure that you have the necessary rights to grant us this license for any content you submit to our Services.

You can find more information about how Patriot FS Limited uses and stores content in the Privacy Statement. If you submit feedback or suggestions about our Services, we may use your feedback or suggestions without obligation to you.

Modifying and Terminating our Services

We are constantly changing and improving our Services. We may add or remove functionalities or features and we may suspend or stop a Service altogether.

You can stop using our Services at any time, although we would be sorry to see you go. Patriot FS Limited may also stop providing Services to you or add or create new limits to our Services at any time.

We believe that you own your data, and preserving your access to such data is important. If we discontinue a Service, where possible, we will give you reasonable advance notice and a chance to remove information from that Service.

Our Warranties and Disclaimers

We provide our Services using a commercially reasonable level of skill and care and we hope that you will enjoy using them. But there are certain things that we do not promise about our Services. Other than as expressly set out in these terms or additional terms, Patriot FS Limited does not make any specific promises about the Services. For example, we do not make any commitments about the content within the Services, the specific functions of the Services or their reliability, availability or ability to meet your needs. We provide the Services "as is".

Some jurisdictions provide for certain warranties, like the implied warranty of merchantability, fitness for a particular purpose and non-infringement. To the extent permitted by law, we exclude all warranties.

Liability for our Services

When permitted by law, Patriot FS Limited will not be responsible for lost profits, revenues or data, financial losses or indirect, special, consequential, exemplary or punitive damages. To the extent permitted by law, the total liability of Patriot FS Limited and its suppliers and distributors for any claims under these terms, including for any implied warranties, is limited to the amount that you paid us to use the Services (or, if we choose, to supplying you with the Services again).

In all cases, Patriot FS Limited will not be liable for any loss or damage that is not reasonably foreseeable.

We recognise that in some countries, you might have legal rights as a consumer. If you are using the Services for a personal purpose, then nothing in these terms or any additional terms limits any consumers' legal rights which may not be waived by contract.

Business uses of our Services

If you are using our Services on behalf of a business, that business accepts these terms. It will hold harmless and indemnify Patriot FS Limited and its affiliates, officers, agents and employees from any claim, action or proceedings arising from or related to the use of the Services or violation of these terms, including any liability or expense arising from claims, losses, damages, judgments, litigation costs and legal fees.

If you are unhappy with our service

If you have a complaint about your adviser, or any financial advice you have received from your adviser, please contact us:

Intrinsic Complaints Department
Riverside House
The Waterfront
Newcastle upon Tyne
NE15 8NY

Email: complaints@intrinsicfs.com
Tel: 0191 241 0700

You can find more information by visiting the Intrinsic Financial Services website: www.intrinsicfs.com/contacts

If you cannot settle your complaint with us, you may be entitled to refer it to the Financial Ombudsman Service (www.financial-ombudsman.org.uk)