Terms & Conditions

1. Agreement

This agreement is entered into between Lifestyle Leads Limited incorporated in England and Wales Company Number 6898072 and having its registered office at 727 Knutsford Road, Latchford, Warrington, Cheshire, WA4 1JY ( the "Provider") and you (the "Client") and is subject to the attached terms and conditions.

2. Definitions

"Lifestyle Leads" means the business trading as Lifestyle Leads or Lifestyle which is the trading name of the provider.

"Lifestyle Leads Website" means the website at the URL www.lifestyleleads.co.uk or any other URL that the Provider shall notify the broker of from time to time.

"Commencement Date" means the date you receive the confirmation email stating that your account is live and ready for use. The agreement shall commence on the commencement date and continue unless and until terminated in accordance with clause 4 below.

"Customer" means a person who has expressed an interest in a product via the Provider, its group of companies and any websites run or managed by them.

"Lead" means the enquiry form containing the details of the customer and the product they are interested in.

"Lead Prices" means the prices for the various lead types as specified and updated on the www.lifestyleleads.co.uk website from time to time.

"Invalid Lead" means a lead that is regarded as invalid by virtue of reasons outlined in the invalid lead policy detailed in Section 6.

"Invalid Lead Policy" means the reasons a lead may be regarded as invalid. The policy is outlined in section 6.

"Order" means a formal request made by the client for a specific type of leads to be supplied to them. Details of all existing orders (including any volume or geographical restrictions) will be recorded within the client's online account. Details of any cancelled orders will be maintained for account management purposes.

3. Obligations of the Provider

3.1 The Provider will supply leads as specified by the client within the orders they place.

3.2 The Provider will use reasonable endeavours to email and update the client's online account with Lead details without delay. Emails will be sent to the email address provided by and maintained by the client.

3.3 The Provider does not guarantee that a particular Lead will result in business for the Client. Further, the Provider does not guarantee the suitability of a Lead for a financial product provided by or advised upon by the Client

3.4 Without prejudice to the generality of Clause 3.1, there shall be no minimum number of Leads which the Provider agrees to provide to the Client. The maximum number of Leads which the Client agrees to receive from the Provider from a particular Order will be specified by the Client.

3.5 In the event that a Lead Status is returned by the Client the Provider will have a period of 5 days from the time and date of the lead returned to assess whether the reason provided by the Client meets the Invalid Lead Policy. If the Lead meets the Invalid Lead Policy its Lead Status will be updated to Invalid and it will be replaced. If the Lead does not meet the Invalid Lead Policy its Lead Status will be updated to Re-Validated and it will be chargeable. If the Provider fails to update the Lead Status within the 5 day period, the Lead Status will automatically be updated to Invalid.

3.6 The Provider will refund the value of any Leads which have been accepted as invalid by replacing lead with valid leads. If there are no valid leads the cost of the lead will be refunded. Once a refund has been made there shall be no further liability to the Client or the Provider for that Lead. Refunds will only be dealt with in the manner described in these terms and conditions.

3.7 The Provider undertakes to the Client it shall take all necessary steps to ensure that it operates at all times in accordance with the Data Protection Act 1998.

3.8 The Provider shall not be liable to the Client for any loss, injury, damage, claim, expense or delay incurred or suffered by the Client arising directly or indirectly from or in any way connected with a Lead. Further, the Provider shall not be liable to the Customer for any loss, injury, damage, claim, expense or delay incurred as a result of the Client's breach of this agreement or its negligence.

3.9 The Provider will use reasonable endeavours to make the Lifestyle Leads website available at all reasonable times. However, due to the nature of the internet the Client acknowledges and accepts that there may be periods when the Lifestyle Leads website may not be available. The Client also acknowledges that the Lifestyle Leads website may be unavailable during periods of maintenance undertaken by the Provider or its contractors. The Provider shall notify the Client by email or other reasonable means of any major periods of unavailability of the website.

4. Obligations of the client

4.1 The provider will deliver leads to the client on a daily basis until and unless the maximum criteria specified by the Client in each Order has been fully met. It is the Client's obligation to telephone the Customer to acknowledge the enquiry and discuss the Customers requirements. We do however recommend that you contact the client as soon as possible.

4.2 It is Client's obligation to check on delivery of leads from the Provider. The primary methods of delivery are via the Client's online account and email to the address specified as part of the leads orders. It is the client's sole responsibility to ensure that all email addresses used within their account are valid and up to date. This includes the main account email address and any separate email addresses which have been placed on orders for delivery of leads.

4.3 In the event that a lead qualifies as being regarded as invalid, the Client shall update the Lead status via their online account. The Client will have a period of 5 days from the date and time of receipt of the lead (by the Provider), during which they may update the Lead Status. Thereafter, the Lead Status may not be changed by the Client and the Lead Status shall be regarded as valid and thus chargeable.

4.4 The Client undertakes to the Provider that it shall not forward and or sell Leads supplied to it by the Provider to a third party without the prior written agreement of the Provider.

4.5 The Client undertakes to the Provider that it shall take all necessary steps to ensure that it operates at all times in accordance with the Data Protection Act 1998.

4.6 The client is responsible for maintaining the security of their login details (username and password) to the Client facing side of the www.lifestyleleads.co.uk website. In the event that the Client suspects any misuse of login details by any third party they should immediately notify the Provider. The Provider cannot be held responsible for any misuse of the username or password details by any third party.

4.7 The Client is responsible for all dealings and /or advice provided to the Customer once their details have been referred to them by the Provider. The Client shall not present themselves as an agent of the Provider or any of the websites used to source the Lead.

4.8 The Client is responsible for paying for Leads in accordance with the fee structure as laid out and reviewed on the www.lifestyleleads.co.uk website and in these terms. The Client shall remain liable for all failed payments and agrees to compensate the Provider in full for all costs and expenses incurred in recovering the outstanding payment. This may include an administration charge of not less than £25. The Provider may at any time instruct a debt collection agency to recover any sum due by the Client. Any costs or charges incurred by the Provider as a result of such instruction will be payable by the Client on demand.

4.9 The Client is responsible for maintaining all the necessary registrations, licenses, memberships, authorisations and qualifications required under law for the provision of advice and /or services to the Leads they have selected to purchase from the Client. The Client must immediately notify the provider of any changes in these registrations, licenses, memberships, authorisations and qualifications which could affect their ability to meet their requirements under law or this Agreement. The terms of this clause shall survive the termination of this agreement whatever the reason may be.

4.10 The Client shall provide to the Provider all such information the Provider shall reasonably require in order to manage the terms this Agreement.

4.11 The Client must cooperate with requests for feedback from the Provider and must return questionnaires sent out by the Provider within 10 working days of receipt.

5 Prices and Payment

5.1 The Client shall pay to the Provider an amount for each Lead in accordance with the pricing structure as laid out on the www.lifestyleleads.co.uk website or as communicated and agreed separately with the Provider.

5.2 Each Lead will be chargeable irrespective of whether or not the Customer subsequently purchases any products and/or services from the Client.

5.3 The Client must provide valid credit card (or other agreed method) details or complete a direct debit mandate when placing an order for leads. This credit card, direct debit (or other method) will be used to process all future payments due from the Client to the Provider, until such time that the Client changes the credit card, direct debit or other agreed method, cancels their orders or closes their account.

5.8 The Provider reserves the right to review the level of lead prices payable under this Agreement from time to time. When the level of prices increases the Provider will give the Client at least 30 days notice to that effect.

5.9 All Leads supplied by the Provider to the Client will be with the addition of VAT.

Invalid lead Policy

6.1 The Provider will only accept leads as being invalid for the reasons below (read 6.2 for non mortgage leads).

• Overseas: The Lead is from a non UK resident or relates to an overseas property.
• Duplicate: The lead is a duplicate from the Provider within the previous 3 months.
• Invalid Number: The lead has no valid telephone numbers. Invalid number will only be accepted if both numbers are genuinely invalid. We will not accept inability to make contact as a valid reason.
• Hoax: The lead has a clearly false name (e.g. Mr XXX) or has been made fraudulently in the name of someone else. We will not accept "client not expecting a call" as a valid reason for rejection, as the client signs to confirm that they will receive a call from you.
• Minor: The lead is from a minor under the age of 18.

6.2 No other reason other than those specified in section 6.1 will be accepted for a Lead to classify as invalid. Life Insurance leads will only be accepted as invalid for the Duplicate, Invalid Number and Hoax reasons detailed in 6.1.

6.3 If the Client does not notify the Provider of an invalid reason within the agreed timeframes outlined in section 6.5, the Client will have deemed to have accepted the Lead as being valid and thus chargeable.

6.4 All requests by the Client to invalidate a lead must be made via the clients section of the website. No other method will be accepted for lead invalidation.

6.5 The status of a Lead may be queried by the Client for a period of up to 5 days following delivery of the lead to the Client by the Provider.

6.6 The Provider then has an additional period of up to 5 days from the date and time the Lead status is updated by the Client to review the invalidation reason provided by the Client. As a result of the Provider's investigations, the lead status may be updated to invalid if the Provider agrees with the reason provided by the Client or re-validated if the Provider disagrees with the reason provided by the Client.

6.7 For the avoidance of any doubt, where a valid telephone number exists, the failure and/or inability to make contact with a Customer shall not be accepted by the Provider as a reason from the Client to invalidate a Lead.

6.8 The Provider reserves the right to apply an administration charge of £5 in respect of each Lead which is falsely invalidated (and moved to a pending status) by the Client. Any such falsely invalidated leads will be Re-validated by the Provider and charged for on the standard terms. The administration charge for each of these leads will be in addition to the standard lead price. The level of the administration charge payable under this Agreement may be reviewed from time to time on giving at least 30 days notice to that effect to the Client.

6.9 Failure by the client either to login to their accounts to retrieve new lead details or to review lead notification emails will not be accepted as a valid reason for lead invalidations.

7 Termination

7.1 This Agreement shall come into force on the Commencement Date and subject as provided in Clause 7.2 below shall continue unless terminated by either party giving to the other not less than 1 month's notice in writing to that effect to the other.

7.2 Without prejudice to Clause 7.1 either party shall be entitled to terminate this Agreement if:

7.2.1 The other commits a material breach of any term of this Agreement and which (in the case of a breach capable of being remedied) shall not have been remedied within 7 days of a written request to remedy the same;

7.2.2 The other convenes a meeting of its creditors or proposals are made for a voluntary arrangement within Part I of the Insolvency Act 1986 or for any other composition, scheme or arrangement with its creditors, or if the other is unable to pay its debts within the meaning of Section 123 of the Insolvency Act 1986 or if a trustee, receiver, administrator, judicial factor or similar officer is appointed in respect of all or part of its business or assets or if a petition is presented or a meeting is convened for the purpose of considering a resolution or other steps are taken for its winding up, or any analogous or equivalent event under the law of any jurisdiction occurs.

7.3 Any termination of this Agreement pursuant to this Clause 6 shall be without prejudice to any other rights or remedies a party may be entitled to hereunder or at law and shall not affect any accrued rights or liabilities of either party.

8 Branding

8.1 Neither party shall be entitled to use the trademarks, logos or branding of the other without the prior written consent of the other.

9 Liability and Indemnity

9.1 The Provider shall not be liable to the Client for any loss, injury, damage, claim, expense or delay incurred or suffered by the Client arising directly or indirectly from or in any way connected with a Lead. Further, the Provider shall not be liable to the Customer for any loss, injury, damage, claim, expense or del ay incurred as a result of the Client's breach of this agreement or its negligence. Nothing in this Clause 8 shall be construed as purporting to exclude or restrict liability of the Provider to the Client for personal injury or death resulting from negligence nor any statutory liability or any exclusion or limitation which is prohibited by law.

9.2 The Client undertakes to indemnify the Provider in respect of any and all liability of the Provider for any loss, injury, damage, claim, expense or delay suffered by a Customer howsoever caused.

10 Force Majeure

Force Majeure means any event or occurrence which is outside the reasonable control of either party and which is not attributable to any act or failure to take preventative action by the party concerned. It shall include without limitation Acts of God, Fire, Flood, Drought, War, Revolution, Terrorism, Riot, Fuel Shortages, Failure of Power Supply, Transport. It does not include any industrial action occurring within the Client's organisation or any of its subcontractors.

10.1 Neither party shall be in breach of this Agreement or otherwise liable to the other party for any delay in or failure to perform any of its obligations under this Agreement (other than payment of money).

11 No Partnership/Agency

11.1 Nothing in this Agreement is intended to or shall operate to create a joint venture or partnership between the parties or to authorise either party to act as agent for the other, and neither party shall have authority to act in the name or on behalf of or otherwise to bind the other in any way.

12 General

12.1 Each of the Provider and the Client shall be responsible for its own costs and expenses, including legal fees, in connection with this Agreement.

12.2 The Client shall not without the prior written consent of the Provider assign, transfer charge or deal in any other manner with this Agreement or any of its rights under it, or purport to do any of the same, nor sub-contract any or all of its obligations under this Agreement. The Provider shall be entitled to assign, transfer charge or deal in any other manner with this Agreement or any of its rights under it, and/or sub-contract any or all of its obligations under this Agreement.

12.3 This Agreement may be varied by the Provider by notifying such changes to the Client by email or by supplying the Client with a url containing the updated Agreement. Any continued use of the www.lifestyleleads.co.uk website after notification shall be considered acceptance by the Client of the updated Agreement. If the Client does not accept the updated Agreement they shall be entitled to terminate the Agreement with immediate effect. The termination of the Agreement under this point does not affect the outstanding liability the Client may have to the Provider for unpaid Leads.

12.4 The Partner reserves the right not to enter into an agreement with the Client, without explanation.

12.5 The construction, validity and performance of this Agreement shall be governed by the law of England and the parties hereby irrevocably submit to the non-exclusive jurisdiction of the English courts.

Lifestyle Leads Ltd is registered under the Data Protection Act as a Data Controller with Registration Number Z1792164.

Website Terms

If you continue to browse and use this website you are agreeing to comply with and be bound by the following terms and conditions of use, which together with our privacy policy govern Lifestyle Leads relationship with you in relation to this website.

The term "Lifestyle Leads" or "us" or "we" refers to the owner of the website whose registered office is:

The term "you" refers to the user or viewer of our website.

The use of this website is the subject to the following terms of use:

• The content of the pages of thus website is for your general information and use only. It is subject to change without notice.
• Neither we nor any third parties provide any warranty of guarantee as to the accuracy, timeliness, performance, completeness or suitability of the information and materials found or offered on this website for any particular purpose. You acknowledge that such information and materials may contain inaccuracies or errors and we expressly exclude liability for any such inaccuracies or errors to the fullest extent permitted by law.
• This website contains material which is owned by or licensed to us. This material included, but is not limited to the design, layout, look, appearance and graphics. Reproduction is prohibited other than in accordance with the copyright notice, which forms part of these terms and conditions.
• Unauthorised use of this website may give rise to a claim for damages and/or be a criminal offence.
• Your use of any information or materials on this website is entirely at your own risk, for which we shall not be liable. It shall be your own responsibility to ensure that any products, services or information available through this website meets your requirements.
• Your use of this website and any dispute arising out of such use is subject to the laws of England and Wales.

If you have any further questions, please contact us