Terms & Conditions

1. Introduction

These Terms and Conditions ("Terms") govern your use of the Compare Your FX website and services (collectively, the "Service"), operated by Inspire Labs Ltd ("we", "us", "our", or "the Company").

By accessing or using our Service, you agree to be bound by these Terms. If you do not agree with any part of these Terms, you must not use our Service.

Company Information

• Company Name: Inspire Labs Ltd
• Company Registration Number: 07498158
• Registered Office: 114-116 Fore St, Hertford, Hertfordshire, SG14 1AJ, United Kingdom
• Contact Email: privacy@inspirelabs.co.uk

2. Definitions

• "Service" refers to the Compare Your FX website, quote comparison platform, and related services.
• "User", "you", "your" refers to any individual or business entity accessing or using the Service.
• "Provider" refers to FX providers and financial services partners.
• "Quote" refers to service proposals or estimates provided by Providers.
• "Content" refers to all text, images, data, and materials available through the Service.

3. Nature of Service

Quote Comparison Service

Compare Your FX is a free lead generation and quote comparison service. We:

• Collect information about your business and currency exchange requirements
• Match your enquiry with suitable FX providers
• Facilitate the introduction between you and Providers
• Enable Providers to contact you with tailored quotes

We Are Not a Provider

Important: We do not provide currency exchange services, financial services, or credit facilities directly. We are an intermediary platform connecting businesses with Providers. All quotes, terms, and contracts are provided by and entered into directly with the Providers.

Commission and Fees

• Free to Users: There is no charge to you for using our Service or receiving quotes.
• Provider and Affiliate Commission: We may receive commission or referral fees from Providers when you enter into an agreement with them, or from affiliate partners who refer you to our service. These commissions are paid by the Provider or affiliate from their existing fees and do not increase the cost to you.
• Independence: Commission arrangements do not affect our commitment to matching you with suitable Providers based on your requirements.

4. Eligibility and User Obligations

Age and Capacity

• You must be at least 18 years old to use the Service.
• You must have the legal authority to enter into binding agreements on behalf of your business.
• You must be based in or operating a business in the United Kingdom.

Accurate Information

You agree to:

• Provide accurate, current, and complete information in all forms and communications
• Update information promptly if circumstances change
• Not misrepresent your business turnover, industry, or financial position
• Not provide false or misleading information to us or Providers

Acceptable Use

You agree NOT to:

• Use the Service for any unlawful purpose or in violation of these Terms
• Submit spam, fraudulent, or automated quote requests
• Attempt to access unauthorized areas of the Service or systems
• Interfere with or disrupt the Service or servers
• Harvest or collect data from the Service using automated means
• Reproduce, duplicate, or copy any Content without permission
• Use the Service to harm, harass, or threaten others

5. Quote Process and Provider Relationships

Quote Requests

When you submit a quote request:

• We will share your information with relevant Providers (as detailed in our Privacy Policy)
• Providers will assess your requirements and may contact you directly
• You may receive quotes from multiple Providers
• Quotes are typically provided within 1-5 business days, but timelines are not guaranteed

No Guarantee of Quotes

We do not guarantee that:

• You will receive any quotes or a specific number of quotes
• Quotes will meet your specific requirements or expectations
• You will be approved for currency exchange services by any Provider
• Quotes will be the most competitive available in the market

Direct Relationship with Providers

Important: Any agreement you enter into for currency exchange services is directly between you and the Provider. We are not a party to such agreements and have no liability for:

• The terms, conditions, or pricing of quotes
• The performance or non-performance of Providers
• The quality, suitability, or legality of services provided
• Disputes between you and Providers
• Provider conduct, errors, or omissions

Your Responsibility to Evaluate

You are solely responsible for:

• Evaluating quotes and Provider suitability for your needs
• Conducting due diligence on Providers
• Reading and understanding all terms and conditions from Providers
• Seeking independent financial or legal advice before entering agreements
• Ensuring currency exchange services are appropriate for your business

6. Intellectual Property Rights

Our Intellectual Property

All Content, features, and functionality of the Service, including but not limited to text, graphics, logos, images, software, and compilation, are owned by Inspire Labs Ltd or our licensors and are protected by UK and international copyright, trademark, and other intellectual property laws.

Limited License

We grant you a limited, non-exclusive, non-transferable, revocable license to access and use the Service for personal or internal business purposes, subject to these Terms. This license does not include:

• Commercial use or resale of the Service or Content
• Collection or use of data, descriptions, or pricing
• Modification, reproduction, or creation of derivative works
• Downloading (except page caching) or copying for others
• Use of data mining, robots, or similar automated tools

Trademarks

"Compare Your FX", "InspireMatch", and associated logos are trademarks of Inspire Labs Ltd. You may not use these marks without prior written permission.

7. Content and Information

Educational Content

Our website may include blog articles, guides, and educational content about currency exchange. This content is provided for general informational purposes only and does not constitute:

• Financial, legal, or tax advice
• Recommendations to enter into specific agreements
• Professional advice tailored to your circumstances

Accuracy of Information

While we strive to provide accurate information:

• Content may become outdated or inaccurate over time
• We do not warrant completeness, accuracy, or reliability
• You should verify information independently before relying on it
• We reserve the right to modify or remove content without notice

Third-Party Content

Provider quotes, terms, and information are supplied by Providers and not verified by us. We are not responsible for the accuracy or completeness of Provider information.

8. Disclaimers and Limitations of Liability

Service "As Is"

The Service is provided on an "AS IS" and "AS AVAILABLE" basis without warranties of any kind, either express or implied, including but not limited to:

• Warranties of merchantability or fitness for a particular purpose
• Warranties of non-infringement
• Warranties regarding accuracy, reliability, or availability
• Warranties that the Service will be uninterrupted or error-free

Limitation of Liability

To the fullest extent permitted by law, Inspire Labs Ltd, its directors, employees, and agents shall not be liable for:

• Indirect, incidental, or consequential damages, including lost profits, data loss, or business interruption
• Damages arising from Provider relationships, including poor service, breach of contract, or fraud
• Damages from unauthorized access to or use of our servers or personal data
• Damages from errors, omissions, or inaccuracies in Content or quotes
• Damages from third-party websites linked from our Service

In any event, our total liability to you shall not exceed £100 (one hundred pounds sterling).

UK Law

Nothing in these Terms excludes or limits liability for:

• Death or personal injury caused by negligence
• Fraud or fraudulent misrepresentation
• Any other liability that cannot be excluded under UK law

9. Indemnification

You agree to indemnify, defend, and hold harmless Inspire Labs Ltd, its directors, officers, employees, and agents from any claims, liabilities, damages, losses, costs, or expenses (including legal fees) arising from:

• Your use of the Service or violation of these Terms
• Your violation of any rights of another party, including Providers
• Any false or misleading information you provide
• Your breach of any applicable laws or regulations

10. Privacy and Data Protection

Our collection, use, and protection of your personal data is governed by our Privacy Policy, which forms part of these Terms. By using the Service, you consent to our data practices as described in the Privacy Policy.

11. Third-Party Links

Our Service may contain links to third-party websites (e.g., Provider websites, social media). We are not responsible for:

• The content, accuracy, or practices of third-party sites
• Privacy policies of external websites
• Products or services offered by third parties

Links do not imply endorsement. You access third-party websites at your own risk.

12. Modifications to Service and Terms

Changes to Service

We reserve the right to:

• Modify, suspend, or discontinue any part of the Service at any time
• Change features, functionality, or availability
• Refuse service to anyone for any reason

We are not liable for any modification, suspension, or discontinuance of the Service.

Changes to Terms

We may update these Terms from time to time. Changes will be effective when posted with a new "Last updated" date. Your continued use of the Service after changes constitutes acceptance of the updated Terms. We recommend reviewing these Terms periodically.

For material changes, we will provide notice via email (if we have your contact details) or a prominent notice on the website.

13. Termination

Your Right to Terminate

You may stop using the Service at any time. You can request deletion of your data by contacting us at privacy@inspirelabs.co.uk.

Our Right to Terminate

We may terminate or suspend your access to the Service immediately, without notice or liability, for any reason, including:

• Breach of these Terms
• Fraudulent or abusive behavior
• Legal or regulatory requirements
• Discontinuation of the Service

Effect of Termination

Upon termination:

• Your right to use the Service ceases immediately
• Provisions regarding intellectual property, disclaimers, and limitations of liability survive termination
• We may retain certain data as required by law or legitimate business purposes (see Privacy Policy)

14. Dispute Resolution

Governing Law

These Terms are governed by and construed in accordance with the laws of England and Wales, without regard to conflict of law principles.

Jurisdiction

You agree that any disputes arising from these Terms or the Service shall be subject to the exclusive jurisdiction of the courts of England and Wales. However, we retain the right to bring proceedings in your country of residence.

Informal Resolution

Before initiating formal legal proceedings, please contact us at privacy@inspirelabs.co.uk to attempt to resolve the dispute informally.

15. General Provisions

Entire Agreement

These Terms, together with our Privacy Policy and Cookie Policy, constitute the entire agreement between you and Inspire Labs Ltd regarding the Service, superseding any prior agreements.

Severability

If any provision of these Terms is held to be invalid or unenforceable, the remaining provisions shall continue in full force and effect.

Waiver

Our failure to enforce any right or provision of these Terms shall not constitute a waiver of that right or provision.

Assignment

You may not assign or transfer these Terms without our written consent. We may assign our rights and obligations under these Terms without restriction.

Force Majeure

We shall not be liable for any failure or delay in performance due to circumstances beyond our reasonable control, including natural disasters, strikes, acts of government, or technical failures.

16. Contact Information

If you have questions about these Terms, please contact us:

Email: privacy@inspirelabs.co.uk
Postal Address: Inspire Labs Ltd, 114-116 Fore St, Hertford, Hertfordshire, SG14 1AJ, United Kingdom
Phone: +44 1992 245240