Your security and privacy

We are very aware that security is a key issue for people who do any type of transactions over the Internet. Security is also important to us. On this page you can find information on how you can use Tesco Compare safely and securely:

Security features about our site

• We use 128-bit secure encryption through a secure socket layer. This is the Internet standard for the secure transmission of data. When you register or login to get a quote, the browser window will become secure to protect your information. You know this window is secure because your browser will show a padlock or key at the bottom right hand side of your screen.
• If the pages are inactive (by this we mean you choose not to select any of the buttons or links on the page) for longer than 15 minutes we will log you out of this area for your security.

Phishing / Email Scams

• The customers of large businesses are sometimes targeted by fraudsters. They are sent bogus emails requesting that they provide their personal security details in order to reactivate their account, verify an email address, or some other reason. Phishers attack trusted business's names to make users believe they are genuine, and then fraudulently use your name and the stolen information.
• We would recommend that you be on your guard against emails asking for information like this. Tesco Compare will never ask you to reveal your security details via email, and you should never reveal your username or password to anyone.

Logging out

• Remember to log out when you have finished using our website. This will ensure you are properly and securely logged out. If you are using a PC which could be used by someone else, (e.g. in an Internet Cafe) we also recommend you also close your Internet browser.
• If you login and your PC is inactive for 15 minutes, you will be automatically logged out for your security.

Cookies

• "Cookies" are small pieces of information sent by a web server to a web browser, which may then store them on your computer, and which enables the server to collect information from the browser. You can set your browser to notify you when you receive a cookie, giving you the chance to decide whether to accept it. You can find out more about the way cookies work on Cookie Central. Furthermore, computer viruses are not passed through the use of cookies. Our websites make use of cookies.
• Visitors to our websites are sent anonymous cookies to keep track of their browsing patterns and build up a demographic profile. In addition, any visitor who has clicked on a Tesco Compare advertisement on another website that links to our websites will be sent a ’semi-persistent‘ (e.g. two weeks‘ lifetime) anonymous cookie that will allow us to analyse advertising effectiveness, identify the source of business referred to us, and manage our relationships with affiliate websites.
• We also use cookies to enable you to use and obtain car insurance quotes. Visitors to this facility will be sent a ’persistent‘ cookie, which resides on your computer for several months and enables us to remember you and identify your saved quotes.
• You must have cookies enabled if you wish to register and login to get and save quotes.
• Most browsers allow you to turn off the cookie function. If you want to know how to do this, please look at the help menu on your browser. As described above, this will restrict the services you can use.

Terms and conditions of use of this website

This website is owned and maintained by Tesco Personal Finance Compare Limited.

Nothing within this website is, or shall be deemed to constitute, financial or other advice or a recommendation to purchase any product or service. Any and all information provided within the website is for general information purposes only. We strongly recommend that independent professional advice is obtained before you purchase any product and/or service via this website.

The use of this website, and access to this website, is subject to these terms and conditions which you should read carefully. By using this website you agree to be legally bound by these terms and conditions and agree to access this website in an appropriate and lawful manner. If you do not accept these terms and conditions, please do not use this website. Any use of this website which is not in accordance with these terms and conditions is unauthorised, will constitute an actionable breach of contract and results in your right to use this website ceasing immediately.

Use of this website

• The information, services and products on this website are intended for use by residents of the UK only, and are not aimed at or intended for use by residents of any other jurisdiction. This website is for your non-commercial, personal use only and must not be used for business purposes.
• This website is designed to be accessed through its principal product home pages and such other pages as we decide. If you access the site through individual pages directly, which are not designed for this purpose, you may not see important information which is relevant to a full understanding of our products and services. You will be referred on certain site pages to read ’Important Information‘. This Important Information will contain important product details and relevant legal or regulatory information and should be read in conjunction with the site pages.
• 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 unauthorised access to our website, the server on which our website is hosted or any server, computer or database connected to our website. You must not attack our website via a denial-of-service attack or a disrupted denial-of-service attack.
• Any web-scraping of this website is strictly prohibited, as are automated programs, robots, web-crawlers, spiders and data miners are also prohibited from accessing this website or service.
• You agree not to receive, access or transmit any content or data which is in breach of confidence, in breach of any intellectual property rights or otherwise objectionable or unlawful.
• You agree not to circumvent any user authentication of this website nor any host, network or account nor interfere with service to this website nor knowingly or recklessly transmit any electronic content via this website which shall cause or be likely to cause detriment or harm in any degree to computer systems or networks owned by Tesco Personal Finance Compare Limited or any third party.
• You agree only to use (and access) this website in accordance with the terms of use and in an appropriate and lawful manner and that a breach of the terms of use will constitute an actionable breach of contract;
• If you violate systems or network security, you may incur criminal and/or civil liability and Tesco Personal Finance Compare Limited may, in its absolute discretion, fully co-operate with investigations of suspected criminal violations and/or violation of systems or network security.

Information submitted by you

• In order to apply for a quote for any product and/or service, you will need to answer a number of questions on this website which cover the questions needed by the different underlying insurers and financial service providers. It is very important that you answer all questions truthfully and that you disclose all relevant facts. If you do not provide the insurer or financial services provider with the information they have requested, or if you fail to tell them about any circumstance likely to influence their assessment of the risk involved, or any change in the facts supplied or your circumstances, it could invalidate your insurance or product. You warrant that you have taken all reasonable precautions to ensure that any data you submit is true and accurate.

Delivery of your quote

• You should receive your quotation interactively (usually within 2 minutes of your completed request). However, we are reliant on the availability of the third party sites and on the overall performance of the internet. Therefore, we cannot guarantee that you will receive your quotation within this timescale, but we aim to let you know if our technology is unable to complete your quote in these time-frames.

Quote guarantees

• When you receive your insurance quote the price quoted to you will be accurate at the time of issue, based on the details you provided and confirmed. Each insurance provider guarantees its quotes for a fixed period of time. These time periods may vary.

Check before you buy

• In order to accept a quotation, you must contact the insurance/financial service provider. We will give you a direct link to their website along with any identification needed to access your details. Before you purchase any product, it is very important that you check all the information they hold about you is correct. It is your responsibility to ensure all your details are correct, and failure to do so could result in invalidating your product and you not having any insurance cover.

Exclusion of liability

• These ’Exclusion of Liability‘ provisions should be read carefully as they exclude or limit our legal liability in connection with your use of this website. Nothing in these terms and conditions and in particular within the 'Exclusion of Liability' clauses shall attempt to exclude liability that is not permissible under applicable law, including without limitation, liability for death or personal injury, or for fraudulent misrepresentation.
• Nothing in these terms and conditions shall exclude or limit or restrict our duties and liabilities to you under the Financial Services and Markets Act 2000, or any conduct of business rules which we are bound to comply with.
• While we have taken all reasonable steps to ensure the accuracy and completeness of the content of this website, we exclude any warranties, undertakings or representations (either express or implied) to the full extent permitted under applicable law, that this website or (including without limitation) all or any part of the content or materials, accuracy, availability or completeness of the content of this website or any part of the content or materials are appropriate or available for use in the United Kingdom or in other jurisdictions where we provide our services. If you use this website from other jurisdictions, you are responsible for compliance with applicable local laws. Please note that we do not check or endorse information submitted by third party providers for inclusion on the website, particularly information or quotations collected from the product and service providers presented on the results page.
• We accept no liability (including without limitation) in either contract, tort, negligence, statutory duty or otherwise (to the maximum extent permitted by applicable law) arising out of the use of or access to this website (which includes without limitation) any errors or omissions contained in this website or if this website is unavailable and we shall not be liable for any direct or indirect:
  • Economic losses (including without limitation loss of revenues, data, profits, contracts, use, opportunity, business or anticipated savings);
  • loss of goodwill or reputation;
  • special, incidental, consequential loss or damage, suffered or incurred arising out of or in connection with your use of this website and these terms and conditions.
• Access to and use of this website is at your own risk and we do not warrant that the use of this website or any material downloaded from it will not cause damage to any property, or otherwise minimise or eliminate the inherent risks of the internet including but not limited to loss of data, computer virus infection, spyware, malicious software, Trojans and worms. Also, we accept no liability in respect of losses or damages arising out of changes made to the content of this website by unauthorised third parties.
• To provide increased value to users of this website, we may provide links to other websites or resources (that are not part of TESCO) for you to access at your sole discretion. You acknowledge and agree that, as you have chosen to enter the linked website we are not responsible for the availability of such external sites or resources, and do not review or endorse and shall not be responsible or liable, directly or indirectly, for (i) the privacy practices of such websites, (ii) the content of such websites, including (without limitation) any advertising, content, products, goods or other materials or services on or available from such websites or resources or (iii) the use that others make of these websites or resources, nor for any damage, loss or offence caused or alleged to be caused by, or in connection with, the use of or reliance on any such advertising, content, products, goods or other materials or services available on such external websites or resources.
• The above limitation or exclusion may not apply to you to the extent that applicable law may not allow the limitation or exclusion of liability for incidental or consequential damages.
• This website contains links to other websites which are hosted and maintained by third parties. We have no control over the content or security of any such site. You link to such websites at your own risk, and we make no representations regarding the content of any such website. We will not be liable for any loss or damage which may arise from the use of such third party websites.
• Exclusion of liability for third party provider‘s products and services. This website can be used to apply for and buy a number of products and services. Please note that most of the products and services that appear on the website are provided by third parties over whom we do not have control. If you apply for and buy such products and services you will be contracting with a third party who will be providing such products and services on their own terms and conditions. You should check that you are happy with those terms and conditions before entering into such a contract. We accept no liability for any products or services provided by third parties.

Copyright

• Tesco Personal Finance Compare Limited. All rights, save as expressly granted, are reserved. Reproduction in any form of any part of the content of this website without prior written consent is prohibited unless for personal use only.

Your information

Our commitment to you

• The security and confidentiality of your personal information is very important to us. We will only use your information in ways that are fair and in accordance with this section. We will comply at all times with the Data Protection Act 1998.
• Tesco Compare is an internet-based service and we will use email as our main method of communication with you. When you use our website to generate quotations we will send you an email as part of this process. These emails will be sent if you part save your quote details and/or once you have completed the full quote details and generated a list of premiums. These emails are to assist you in using our website to find the best policy for you.

Who we are

• We are Tesco Personal Finance Compare Limited, the data controller. We are responsible for protecting the personal information you provide. Tesco Compare is part of the Tesco group.

Changes in the way we use your information

• We may occasionally change the way we use your information. Tesco Compare reserves the right to update the Your Information section of our website from time to time to reflect these changes. Please check the section periodically to review any changes since your last visit. Where the changes are fundamental, we will notify you by email. By continuing to use the Tesco Compare website you acknowledge that you accept these changes.

Where we obtain your information from

• The information collected about you by Tesco Compare may include: your name, address, user name and password, answers to security questions, email address, telephone number and date of birth. We will obtain most of your personal information during the registration process but may also collect personal information each time you use the Tesco Compare website.
• We may obtain information about you from the product providers generating a quotation for you as part of our service. The providers may from time to time send us information relating to your quotation to enable us to carry out analysis on their behalf. The results of this analysis may be passed back to the providers.
• Your Information includes any information we, Tesco PLC and its subsidiaries (Tesco) hold now or in the future including details of any dealings with us, Tesco and of transactions you have made.
• If you contact us electronically, we may collect your IP address (the numeric address that is allocated to your computer when connected to the Internet) or telephone number supplied by your Internet service provider.

Using and Sharing Your Information

• We may use and share your information to help us and them:
  • assess financial and insurance risks;
  • recover debt;
  • develop our services, systems and relationship with you;
  • prevent and detect crime.
• We will not give anyone other than the Tesco your information except:
  • where we have your permission; or
  • where we are required or permitted to do so by law; or
  • to other companies who provide a service to us or you; or
  • where we may transfer rights and obligations under this agreement.
• We may from time to time transfer your information to suppliers (e.g. for statistical analysis) in countries outside the European Economic Area that may not have laws offering similar protection to that offered by UK Data Protection laws. If we do this, we will require contractual commitments that anyone to whom we pass it provides an adequate level of protection.
• With Product Providers. We will pass your information to the insurance and financial services providers linked to our service for the purposes of the service you request. They will use your information to generate a quotation based on the information you provide and may use credit scoring. We will only deal with providers who have given us a contractual commitment to use your information fairly and in accordance with the Data Protection Act. We are not however liable for the manner in which the providers linked to our service use or process your information.
• To enhance the service we provide and to help you take advantage of the quotations generated by our service, we may permit certain providers to contact you by phone and/or email to check if you understand the quotation and if you wish to proceed to buy. They and the other providers linked to our service are not entitled to use your information for general marketing purposes unless you have consented to this. We will not overwrite any existing marketing preferences you have previously set up with our product providers.

Your rights

• Requesting your information. You are entitled to a copy of the information we hold about you. If you would like a copy of your information, please write to us at the address below enclosing a cheque for the statutory fee of £10:
  • The Regulatory Team (Data Protection)
    Tesco Personal Finance Compare Limited
    3 Princess Way
    Redhill
    Surrey RH1 1NP.
• We cannot provide you with the information held by the product providers linked to our service but you have the right to request the information they hold about you directly from them.
• Keeping you informed. We will use email to keep you up to date with products, services and special offers available from Tesco Compare and our partners. We may also occasionally use post, phone or mobile messaging (like SMS). We do not pass your personal information to other companies for them to market to you. Changing your contact preferences will not affect your existing contact preferences with Tesco and Tesco Clubcard. If you would prefer not to receive this information, please send an email from the address you wish to unsubscribe with ‘Unsubscribe’ in the subject line to unsubscribe@tescocompare.com.
• You have the right to ask us to stop sending you promotional information at any time and all emails will contain an unsubscribe function.

Giving your consent

• By using the Tesco Compare website you acknowledge that you have read and understood this section and agree to the use of your personal information as outlined.

Trademarks

• This website contains trademarks belonging to Tesco, Tesco Personal Finance Compare Limited and other companies within the Tesco group. The unregistered trademarks include graphics, logos, words, phrases and icons contained on this website. No rights are granted in respect of any of the above trademarks. If you are in doubt as to whether an item is a trademark of Tesco, Tesco Personal Finance Compare Limited or a member of the Tesco group, please contact us for clarification at the address below.
• This website also contains trademarks belonging to other companies. No rights are granted in respect of any of the other companies‘ trademarks.

Advice

• The contents of this website do not purport to provide any financial, investment or professional advice and nothing on the pages of this website shall be deemed to constitute the provision of financial, investment or other professional advice in any way.

Regulatory Information

• Tesco Personal Finance Compare Limited is authorised and regulated by the Financial Services Authority. Tesco Personal Finance Compare Limited is entered in the FSA's Register and its Register number is 467742. The FSA's Register can be accessed at www.fsa.gov.uk/register.
• If you are not satisfied with any of Tesco Personal Finance Compare Limited's products or services we have a complaint handling procedure that you can use to resolve such matters. Please contact us.

Governing law

• The terms and conditions of use of this website are governed by the laws of Scotland and any dispute regarding this website shall be subject to the exclusive jurisdiction of the Scottish courts.

Changes to the website

• The contents of this website, including these terms and conditions of use, are subject to change by us without notification.

Termination

• We may terminate or suspend your access to this website and the services within it at any time. All disclaimers, indemnities and exclusions in these terms and conditions shall survive termination of the agreement between us for any reason.

Registered details

• Tesco Personal Finance Compare Limited. No318925. Registered Office: 24/25 St Andrew Square, Edinburgh EH2 1AF. Authorised and regulated by the Financial Services Authority.