Terms of Service for Careless Technologies Limited (“careless™” or “we”), company number 14504628, a UK-based insurance intermediary delivering digital-first insurance products and policy management through a mobile-native platform.
1. Reaching Out to Us
1.1 To connect with our Customer Support, please email at support@wearecareless.com or use our Al assistant, caremate™, within the careless™ app.
1.2 If any individual displays inappropriate conduct towards our team, such as persistent harassment or use of offensive language, we reserve the right to restrict communication methods with that individual. We will always try to resolve the problem first and give you fair warning if we consider your behaviour to be serious enough for us to need to withdraw access, but if serious inappropriate behaviour continues after we have warned you then we reserve the right to withdraw your access.
2. Engagement Parties
2.1. These service terms (Terms) are agreed upon between you and Careless Technologies Limited, a company incorporated and registered in England and Wales with company number 14504628, whose registered office is at 71-75 Shelton Street, Covent Garden, WC2H 9JQ, London, United Kingdom. Careless Technologies Limited is an appointed representative of Stubben Edge (Risk) Limited (FRN: 943286), which is authorised and regulated by the Financial Conduct Authority ("FCA"). You can verify this at https://register.fca.org.uk/s/. Stubben Edge (Risk) Limited (No 09073942) is registered in England and Wales. Registered office: Seventh Floor, 77 Cornhill, London, United Kingdom, EC3V 3QQ.
2.2. Careless Technologies Limited is an insurance intermediary, which means we operate somewhat like an insurance broker. After you buy a policy with us, we help you manage your insurance and make any necessary changes through our mobile platform. However, we do not decide on the outcome of any claims you make – this is determined solely by the insurer underwriting your policy and the appointed claims management company. We do not provide financial advice or make personalised recommendations. You are responsible for reviewing your policy documents and ensuring the cover meets your needs.
2.3. Careless Technologies Limited is compensated through a commission model, which means we earn a percentage of the premium you pay to the insurer when you purchase insurance through us. This is standard practice across the insurance industry and does not affect the price you pay. In addition to this, we charge a fixed administration fee of £1 per month per policy to cover ongoing servicing and support. Stubben Edge (Risk) Limited, as our principal, may also earn commissions and profit-share from the insurers whose products are offered via the careless™ platform. Details of commissions or fees are available on request.
2.4. We are not contractually obligated to recommend or sell products from any specific insurer. Where products are underwritten by insurers related to Stubben Edge (Risk) Limited, appropriate measures are taken to avoid conflicts of interest and to ensure independent decision-making.
3. Application of These Terms
3.1. These Terms govern your use of the careless™ app (the App) and the website www.wearecareless.com (Website) and any of the services which careless™ may provide through the App or the Website, excluding any aspects outlined in clause 3.2.
3.2. Insurance contracts concluded via the App or Website are bound by separate terms and conditions.
4. Main Terms
4.1. By using the App or the Website, you confirm that you accept the Terms listed below and that you agree to comply with them.
4.2. Please note that we only provide the App and the Website for domestic and private use. You agree not to use the App or the Website for any commercial or business purposes, and we have no liability to you for any loss of profit, loss of business, business interruption, or loss of business opportunity.
4.3. By using this app or website you agree to receive your policy documents via electronic mail. If for some reason you'd rather receive your policy as a hard copy, just reach out to us to let us know.
4.4. If you do not agree to these Terms, you must not use the App or the Website.
4.5. Downloading the App from a third-party provider, e.g. through the Apple AppStore (for iOS devices) or the Google Play Store (for Android devices) is subject to the conditions of the respective third-party provider.
4.6. The data requested by the App, or, as applicable, in connection with the Portal, must be given completely and correctly, however errors can be corrected at any time. In order to detect errors during the data input, careless™ provides the user the technical means in the form of a common check for completeness (controls as to whether all mandatory fields have been completed).
4.7. Registered Users must ensure that the information given is up to date. Personal access data (such as passwords) must not be forwarded to third parties and must be maintained to protect them from the access by third parties. The password should be changed regularly for security purposes. Where there is reason to assume that unauthorised persons have gained knowledge of the access data, the user must inform careless™ in text form and change his access data immediately.
5. Additional Terms
5.1 The following additional terms also apply to your use of the App and/or the Website:
Our Privacy Policy will be available at www.wearecareless.com/privacypolicy
6. Changes to the Terms
6.1. We amend these Terms from time to time. Every time you wish to use the App or the Website, please check these Terms to ensure you understand the Terms that apply at that time.
7. Changes to the App or the Website
7.1. We may update and change the App or the Website from time to time, for example to reflect changes to our products, our users' needs and our business priorities. We will try to give you reasonable notice of any major changes.
8. User Account; Prohibition of Abuse
8.1. Following the conclusion of the user agreement, a personal user account is established for the Registered User. The Registered User ensures that the information communicated by them is always up to date, and keeps their access data secret, in particular secures their mobile device against unauthorised access, e.g. by password protection.
9. Term and Termination; Blocking
9.1. The user agreement is for an indefinite term.
9.2. The Registered User may terminate the user agreement at any time without a period of notice via the corresponding function in the App or in the Portal. careless™ is entitled to terminate the user agreement with a period of notice of two (2) weeks at all times.
9.3. careless™ may immediately suspend or terminate your account on the website or App if it reasonably considers that the Registered User has:
a) Acted unlawfully, fraudulently, or in breach of these Terms of Service; or
b) Deliberately provided false or misleading information, or sought to evade any technical or security protections relevant to the App or Website.
9.4. careless™ will inform the Registered User of the reasons for any such suspension or termination.
9.5. The termination of the user agreement will not affect the existing insurance contracts.
10. Transferring this agreement
10.1. We may transfer our rights and obligations under these Terms to another organisation. We will always tell you in writing if this happens and we will ensure that the transfer will not affect your rights under these Terms.
11. Users in the UK
11.1. The App and the Website are directed to people residing in the United Kingdom. We do not represent that content available on or through the App or Website is appropriate for use or available in other locations.
12. Account details
12.1. If you choose a password or you are provided with a user one time password or any other piece of information as part of our security procedures, you must treat such information as confidential. You must not disclose it to any third party.
12.2. We have the right to disable any user identification code or password, whether chosen by you or allocated by us, at any time, if in our reasonable opinion you have failed to comply with any of the provisions of these Terms.
12.3. If you know or suspect that anyone other than you knows your user identification code or password, you must promptly notify us at support@wearecareless.com
13. How you may use material on the App or the Website
13.1. We are the owner or the licensee of all intellectual property rights in the App or the Website, and in the material published on either of them. Those works are protected by copyright laws and treaties around the world. All such rights are reserved.
13.2. You may print off one copy, and may download extracts, of any page(s) from the App or the Website for your personal use and you may draw the attention of others to content posted on the App or the Website.
13.3. You must not modify the paper or digital copies of any materials you have printed off or downloaded in any way, and you must not use any illustrations, photographs, video or audio sequences or any graphics separately from any accompanying text.
13.4. Our status (and that of any identified contributors) as the authors of content on the App or the Website must always be acknowledged.
13.5. You must not use any part of the content on the App or the Website for commercial purposes without obtaining a licence to do so from us or our licensors.
13.6. If you print off, copy, or download any part of the App or the Website in breach of these Terms, your right to use the App or the Website will cease immediately and you must, at our option, return or destroy any copies of the materials you have made.
14. Non-reliance
14.1. The content on the App or the Website is provided for general information only. It is not intended to amount to advice on which you should rely. You may wish to obtain professional or specialist advice before taking, or refraining from, any action on the basis of the content on the App or the Website.
15. Links to other websites
15.1. Where the App or the Website contains links to other sites and resources provided by third parties, these links are provided for your information only. Such links should not be interpreted as approval by us of those linked websites or information you may obtain from them. We have no control over the contents of those sites or resources.
16. Complaints procedure
16.1. We always aim to give you the best service possible and work hard to make sure you're happy. If something goes wrong and you feel that the service you received was not satisfactory, we want to know as soon as possible. If you have a complaint about your policy or about the handling of a claim, please contact us using the details below. We will let you know how your complaint will be handled.
16.2. In all correspondence, please state that your insurance is underwritten by 1Edge and quote your policy number found in your Policy Schedule.
16.3. Policy administration complaints
For complaints about your policy administration or documents, you can contact us by:
· Live chat via the careless™ App
· Email: complaints@wearecareless.com
· Post:
Careless Technologies Limited
71–75 Shelton Street
Covent Garden
London, WC2H 9JQ
A member of our team will be assigned to investigate your complaint and will act as your main point of contact throughout the process.
You may also contact our principal, Stubben Edge (Risk) Limited (SERL), directly by:
· Email: complaints@stubbenedge.com
· Post:
Stubben Edge (Risk) Limited
7th Floor, 77 Cornhill
London, EC3V 3QQ
16.4. Claims complaint
If your complaint is about a claim, please contact our claims partner:
· Phone: 0330 124 1393
· Email: careless@claimsconsortiumgroup.co.uk
· Post:
Claims Consortium Group
Copthall House
King Street
Newcastle-under-Lyme
ST5 1EL
Please note: Following this complaints procedure does not affect your legal rights. For further information, you may contact the Citizens Advice Bureau or Trading Standards.
16.5. Complaints about the insurer
To make a complaint directly to the insurer, please contact:
· Phone: 0207 8469 946
· Email: hello@1edgeinsurance.gg
· Hours: 09:00–17:00 Monday to Friday (excluding Bank Holidays)
· Post:
1Edge Insurance PCC Limited
Suite 1 North, 1st Floor, Albert House
South Esplanade, St Peter Port
Guernsey
GY1 1AJ
If you remain dissatisfied after the insurer has considered your complaint, or if you don’t receive a response within 3 months, you have the right to refer your complaint to:
16.6. Channel Islands Financial Ombudsman
· Address: PO Box 114, Jersey, Channel Islands, JE4 9QG
· Phone: +44 1534 748610
· Email: enquiries@ci-fo.org
· Website: www.ci-fo.org
Please note: The insurer is not covered by the Financial Services Compensation Scheme (FSCS). There is no equivalent compensation scheme under Guernsey law.
16.7. Financial Ombudsman Service (UK)
If your complaint has not been resolved within 8 weeks, or if you are dissatisfied with our final response, you may refer it to the Financial Ombudsman Service (FOS). If you decide to contact them, please do so within 6 months of our final response letter.
· Address: Financial Ombudsman Service, Exchange Tower, London E14 9SR
· Phone: 0800 023 4567
· Online: https://www.financial-ombudsman.org.uk/contact-us/complain-online
· Website: www.financial-ombudsman.org.uk
16.8. Financial Services Compensation Scheme (FSCS)
We, as an appointed representative of Stubben Edge (Risk) Limited, are covered by the FSCS. This means you may be entitled to compensation from the scheme if we are unable to meet our obligations. The level of compensation will depend on your circumstances and the nature of the claim.
More information can be found at www.fscs.org.uk or by calling 0800 678 1100.
16.9. Our responsibility for loss or damage suffered by you
We do not exclude or limit in any way our liability to you where it would be unlawful to do so. This includes liability for death or personal injury caused by our negligence or the negligence of our employees, agents or subcontractors and for fraud or fraudulent misrepresentation.
Different limitations and exclusions of liability will apply to liability arising as a result of or in connection with any insurance product(s) you buy through the App or the Website, which will be set out in the policy documents provided to you when you buy such product(s).
17. How we may use your personal information
17.1. We will only use your personal information as set out in our Privacy Policy.
18. We are not responsible for viruses and you must not introduce them
18.1. We do not guarantee that the App or the Website will be secure or free from bugs or viruses.
18.2. You are responsible for configuring your information technology, computer programmes and platform to access the App or the Website. You should use your own virus protection software.
18.3. You must not misuse the App or the Website by knowingly introducing viruses, trojans, worms, logic bombs, or other material that is malicious or technologically harmful. You must not attempt to gain unauthorised access to the App or the Website, the server on which the App or the Website is stored or any server, computer or database connected to the App or the Website. You must not attack the App or the Website via a denial-of-service attack or a distributed denial-of service attack. By breaching this provision, you would commit a criminal offence under the Computer Misuse Act 1990. We will report any such breach to the relevant law enforcement authorities and we will cooperate with those authorities by disclosing your identity to them. In the event of such a breach, your right to use the App or the Website will cease immediately.
19. Rules about linking to the App or the Website
19.1. You may link to the homepage of the App or the Website, provided you do so in a way that is fair and legal and does not damage our reputation or take advantage of it.
19.2. You must not establish a link in such a way as to suggest any form of association with us or approval or endorsement from us unless agreed with us.
19.3. You must not establish a link to the App or the Website in any website that is not owned by you.
19.4. Neither the App nor the Website may be framed on any other site, nor may you create a link to any part of the App or the Website other than the homepage.
19.5. We reserve the right to withdraw linking permission without notice.
19.6. If you wish to link to or make any use of content on the App or the Website other than that set out above, please contact hello@wearecareless.com
20. Which country's laws apply to these terms and any disputes?
20.1. These Terms, their subject matter and their formation, are governed by English law. You and careless™ (We) both agree to bring any disputes in relation to these Terms in the courts of England and Wales except that if you are a resident of Northern Ireland you may also bring proceedings in Northern Ireland, and if you are resident of Scotland, you may also bring proceedings in Scotland.
21. Language we communicate with you in
We will communicate with you in the English Language.
