Thats Insurance is a compare and review website offering users information about different types of insurance policies (such as travel, pet, gadget etc.), advice and services associated with insurance.
1.1. These terms and conditions are subject to occasional changes and apply to all our services that are directly or indirectly provided (i.e. via third parties) via the internet, on mobile devices, by email or by telephone.
2.1. On the Thats Insurance website, you have the ability to compare third party services via the Thats Insurance system.
2.2. In addition, for some insurers, users have the possibility of purchasing the selected insurance through a link connection to the insurance providers website (third parties) .
As a result, the policy purchase will be made directly on the insurance providers site and not on the Thats Insurance website. In such cases, Thats Insurance is not the insurance provider or the contractual party for the user, but only an independent party providing the link to the website of a third party (insurance provider).
By taking out a policy on the website of the third party (insurance provider), users agree to be bound by the terms and conditions of that website. These terms and conditions can be viewed on the website of the third party (insurance provider).
Once a policy has been taken out on the website of a third party, a contract is concluded between the insurance providers website and the user, and therefore no contract is concluded between the user and Thats Insurance.
Thats Insurance is no contractual party to the insurance provided and all and any claims of the user under the policy are to be asserted against the third party (insurance provider) and not against Thats Insurance.
2.3. This agreement is not affected by any other agreements between the Insurance Providers and users.
3.1. Users have the option of joining the Thats Insurance Forum (hereafter “Forum”) and/ or creating a member account within the Thats Insurance Member Area. Users who register for the Forum can actively participate in the platform’s discussions via the administrative functions. Unregistered users may read the content on Thats Insurance for free.
3.3. A user cannot register multiple times. The user is responsible for the accuracy and completeness of their personal information.
3.4. The user is responsible for the confidentiality of their user account information, in particular their password. They are also responsible for the use of their account with regard to Thats Insurance and third parties. The user should not divulge this data to the use by third parties.
3.5. In the event of unauthorised use of the Thats Insurance services using the wrong username and password, the registered user must notify Thats Insurance immediately.
4.2. Thats Insurance collects, processes and uses your personal data (hereafter “data”) only if we have obtained your consent or a statutory provision allows for the collection, processing or use of your data.
4.3. If the user has agreed to receive information about Thats Insurance during registration for the Forum or at another time using Thats Insurance services, the user will receive periodic product information. The consent may be revoked at any time by written communication or by email. The consent to receive emails follows after the confirmation email from Thats Insurance is sent. By clicking on the link in the email, you will be registered to receive newsletters.
5.1. The user is responsible for the acquisition of rights to the content (text, photos, reviews, links, etc.) they upload to Thats Insurance. They ensure that they have all the rights in respect to the content they publish on the Thats Insurance platform and thereby do not violate the rights of any third parties.
5.2. The user guarantees not to use the Thats Insurance services to create content that:
5.3. The user guarantees not to use programmes or functions to generate automated page impressions or content on Thats Insurance.
5.4. If there is a breach in the terms and conditions, Thats Insurance reserves the right to remove content without declaration of reason, and to permanently ban members from the Thats Insurance forum. The right to prosecution of criminal acts remains unaffected.
6.1. Thats Insurance reserves the right to terminate a user’s access and to delete their registration within a period of one week after receipt of relevant information via email about improper use of the website. The user may also terminate their own access and registration within the same period.
6.2 The right to immediate termination for good cause remains unaffected.
7.1. Thats Insurance is not liable for the accuracy, quality, completeness, reliability or credibility of content provided by users and/or Insurance sites. In particular, there is no advice or specific recommendations from Thats Insurance regarding the selection of Insurance Policies. Users must satisfy themselves as to the suitablility of any policy taken out on a third party (Insurance provider) website.
7.2. All agreements that arise through this service are between the Thats Insurance user and the respective external third party (Insurance Provider) site. In particular, Thats Insurance does not act as an arranger, agent, Insurance Broker or provider at any time. The terms and conditions of the respective third party (Insurance Provider) apply exclusively, especially regarding the right to cancel.
7.3. Thats Insurance does not verify the accuracy of any uploaded content. Any content provided by a forum member on our website with reference to third parties (Insurance Providers and their policies) Thats Insurance has no influence on this information (in particular images, comments, reviews, etc.). The publication of user-generated content and reports on Thats Insurance does not reflect the opinion of Thats Insurance, in particular, Thats Insurance does not claim this content as its own.
7.4. Prices and policy information provided by Thats Insurance are intended as a guide and not done in real time. Therefore it is possible that the price, and any policy information that appears on the Thats Insurance website site does not correspond to the price/information specified on third party (Insurance Providers) sites. Thats Insurance does not guarantee the accuracy of information, in particular prices and policy information.
7.5. Thats Insurance is not liable for technical malfunctions for which the cause is not within Thats Insurance’s sphere of responsibility or for damages caused by force majeure. Thats Insurance does not guarantee uninterrupted availability of data and may perform technical maintenance during a freely chosen time period.
8.1 The current terms and conditions when using Thats Insurance apply. Registered users should refer to and agree to the terms and conditions on the Thats Insurance website, before making any choices on Insurance policies..
10.1 That’s Insurance offer Insurance Providers free use of their assigned Thats Insurance Star Rating Badges, in return for a Link Back to Thats Insurance Website. It is the Insurance Providers responsibility to ensure that they are using the correct Logo Badge for their Policy and incorrect use may result in removal of this free service by Thats Insurance.
10.2 That’s Insurance carries out regular reviews of policies for the purpose of assigning a Star Rating, however, Insurance Providers may submit a request for a review at any time in the event of changes to published policy terms/sums insured or pricing.