Who we are and how to contact us
The Website is operated by Fintr Sh.p.k (“we” or “our”). To contact us, please email info@kqyre.com.
By using our Website, you accept these Terms of Use
By using our Website, you agree to these terms and conditions (the “Terms of Use”). If you do not agree to these Terms of Use, you must not use our Website. Specific services we offer or make available may also be governed by additional or alternative terms and conditions with us or third parties. Our use of any personal data you provide via the Website is governed by our privacy notice.
Changes to the Terms of Use
We may change these Terms of Use from time to time, for example to comply with legal requirements or make technical adjustments—please check them each time you wish to use our Website. Any changes will be posted on this Website, and we will try to give reasonable notice of any major changes.
Registering on our Website
You must be 18 years old or over to use this Website and to create any account (the “Account”). The details you provide when using or registering must be true, accurate, complete and current, and you must update us with any changes.
You are responsible for keeping your login details confidential, including where you register using a social account. You agree that any person who has access to your login details is acting on your behalf when using this Website, and you are responsible for anything that person does using your Account. Take reasonable steps to prevent unauthorised access. If you believe someone has accessed your Account without permission, please contact us immediately at info@kqyre.com.
Marketing emails
You may be given the opportunity to opt in to receive marketing emails from us, our group companies or third parties. You can manage your subscription preferences via the Website or unsubscribe at any time. We may also send you service emails relating to your Account.
Your responsibilities
This Website:
- allows you to obtain information about products and services we select from time to time (the “Services”);
- facilitates a transaction between you and suppliers of those Services (the “Suppliers”);
- is not provided on behalf of any Supplier; we act on your behalf when facilitating a transaction between you and a Supplier.
The Website is provided for general information only. We are not giving advice or recommendations on which you should rely. You must obtain professional or specialist advice before taking, or refraining from, any action on the basis of the content on this Website.
We may inform you of terms and conditions imposed by a Supplier in relation to its Services, and you agree to abide by them.
You also agree that:
- we only provide information regarding Suppliers and their Services—you are not contracting with us for those Services;
- anyone with access to your login details may enter into a transaction via the Website on your behalf;
- you are responsible for making all payments due to any Supplier on the terms agreed with that Supplier; and
- where a Supplier requires card details, you authorise us to forward such details to the relevant Supplier where necessary.
Content you provide
Any content you submit (the “Content”) must be provided in accordance with our procedures and must not be illegal, obscene, abusive, threatening, defamatory or otherwise objectionable.
By submitting Content, you grant us a worldwide, royalty-free, non-exclusive, sub-licensable and fully transferable licence to use, reproduce, display, modify and edit the Content. You waive any moral rights in the Content. You may revoke this licence at any time by contacting us. We may remove or edit Content at any time. You confirm you have all rights necessary to grant these rights.
Disclaimer and liability
The Website (including all content) is provided free of charge on an “as is” and “as available” basis. We do not guarantee that the Website will operate continuously or be fault-free. We may need to make the Website unavailable to carry out maintenance or upgrade work.
We use reasonable care and skill to ensure information provided to us by Suppliers is accurate, but we obtain this information from third parties and cannot guarantee its accuracy or completeness. It is your responsibility to evaluate this information.
Nothing in these Terms excludes or limits liability where it would be unlawful to do so.
If you are a consumer, we are responsible for loss or damage you suffer that is a foreseeable result of our failure to comply with these Terms of Use or to use reasonable care and skill, but not for loss or damage that is not foreseeable.
If you are a business user, we exclude all conditions, warranties, representations or other terms which may apply to this Website or any content on it, whether express or implied, to the extent permitted by law. We will not be liable for certain categories of loss including, without limitation, loss of profit, revenue, business, opportunity, or any indirect or consequential loss.
Indemnification (for business users only)
If you are a business user, you agree to indemnify, defend and hold Fintr Sh.p.k and its affiliated companies, shareholders, officers, directors, employees, agents or suppliers harmless from any and all claims or demands made by any third party due to or arising out of your use of this Website, your violation of these Terms, or your infringement of any rights of any person or entity.
Viruses
We do not guarantee that the Website will be secure or free from bugs or viruses. You are responsible for configuring your information technology and using your own virus protection software. You must not misuse the Website by knowingly introducing malicious material or attempting to gain unauthorised access.
Intellectual property
We (or our licensors) own all intellectual property rights in the Website, information and content available on it, any database operated by us, any proprietary software we use to enable the Website, and the underlying source code. Much of this information is protected by copyright, trade mark, database rights, design rights, and other intellectual property rights. You may not copy or reproduce our logos, trade marks and/or service marks without prior written consent. All rights reserved.
We grant you a revocable, non-exclusive, non-transferable licence to use the Website software solely to the extent necessary to use the Website and our services.
Third parties
This Website may contain links to third party products, services and/or websites that are not affiliated with us. We have no control over these and do not guarantee or take responsibility for them. Any links or promotions should not be taken as an endorsement.
Restrictions on use
You agree not to, among other things:
- transmit any material designed to damage our Website;
- use automated software to access our Website without consent;
- use our Website other than for personal (consumer) use or legitimate business use (business users);
- attempt to copy our data or reverse engineer our processes;
- use our Website in any manner that is illegal or harmful;
- remove or alter any copyright notices;
- interfere with another user’s enjoyment of the Website; or
- publish or transmit materials protected by copyright without permission.
Third party terms and conditions
Certain comparison services are provided by third parties and may be subject to those parties’ terms and conditions. By using those services via our Website, you also agree to the applicable third-party terms and privacy policies.
Financial comparison services
This Website may offer comparison services for a range of financial services. You will need to answer questions required by the relevant Suppliers and intermediaries. Your answers will determine which services may be available to you. It is your responsibility to read and agree to the relevant Supplier’s own policies and terms.
Other comparison services
This Website may offer other comparison services (for example, broadband and energy). The same responsibilities apply—answer questions honestly, obtain permission to use others’ data, and review the Supplier’s terms before proceeding.
No fees for our comparison services
Our service is free to use but, depending on the product or service you choose, we may receive a commission. We are a credit broker, not a lender.
Complaints
We aim to provide an excellent standard of service. If you feel we have not achieved this, please let us know at info@kqyre.com. We will use our best efforts to resolve complaints as quickly as possible.
Governing law and jurisdiction
The construction, validity and performance of these Terms of Use, and all non-contractual obligations arising from or connected with them, are governed by English law. The competent courts will be those applicable based on your place of residence, except that we may take action to enforce our intellectual property rights in any relevant jurisdiction.
Other important terms
Headings are for convenience only. You may not assign any of your rights or obligations under these Terms of Use. We may assign our rights and obligations to another organisation and will make information available if this happens. Delay or failure to enforce a right does not waive it. If any provision is found unlawful, the remaining provisions remain in full force and effect.