Quidco Account Holder Agreements


1. Introduction

This Agreement is a legal document, which sets out your rights and obligations, and those of Quidco ("we", "us" or "Quidco"), in relation to this site and the services offered by us through it (the "Quidco Service"). You must take the time to read and understand it before registering for the Quidco Service. By registering, you accept that you are entering into a contract with us on the terms of this Agreement. You should be aware that this Agreement may change from time to time in accordance with Clause 16 below.

People who register for the Quidco Service establish an "Account", and become "Account Holders".

2. The Quidco Service

The Quidco Service allows Account Holders to earn cashback on tracked purchases from retailers ("Cashback"). To qualify for Cashback, the retailer must confirm that the Account Holder's purchase is tracked, genuine and successful (constituting a "Qualifying Transaction"), and the Cashback-related referral fee payable to us by the retailer for the Qualifying Transaction (the "Referral Fee") must be received by us; we pay Cashback out of Referral Fees. When we refer to retailers, we mean sellers and suppliers of goods or services and other businesses that work with us (such as price- and quote-comparison services).

Quidco Compare: We are required by our regulator, the Financial Conduct Authority (FCA), to provide all Account Holders who are users of Quidco Compare with our Initial Disclosure Document. Please take time to read this document and retain for future reference.

Our help pages and other service documentation available on the Quidco site provide further information about our service; you should consult them concerning queries or issues you may have about the Quidco Service.

3. Obtaining an Account

You must be at least 16 years of age to obtain an Account. A person may have no more than one Account. You must be a resident of the UK to register for a Quidco Account.

You must register for the Quidco Service using accurate and current information about yourself - including your correct name, address and any other requested details. If you are asked for, and provide, details of a bank account, Paypal account, credit card or other account into which you wish to receive payments (your Cashback Receipt Method), you (a) must ensure that you are, and remain, fully entitled to use that Cashback Receipt Method, and (b) confirm that you wish to receive Cashback through that Cashback Receipt Method. You should keep this information updated through your Account.

Our Privacy Policy contains important information on how we deal with the personal information you provide through your Quidco Account, including information derived from activity through your Cashback Receipt Method.

Note that your Cashback Receipt Method (such as Paypal) may have rules about the maximum or minimum payment that you can receive through that Cashback Receipt Method.

Important: You must ensure that the email address we hold for you is kept up-to-date and that you have full access to it - we will be sending you important messages there. If you change email address, then you must change the address we hold for you on your Account.

4. Cashback

After an Account Holder successfully completes a Qualifying Transaction, and once we have received the Referral Fee for that Qualifying Transaction, we pass the related Cashback on to the Account Holder through his/her Cashback Receipt Method.

If you opt for Quidco's Premium Features, we will only pass back to the Account Holder the Cashback that has been generated once we have first retained an amount of the Cashback earned in any Year (our "Premium Features Retention Fee"); a "Year" is a twelve-month period commencing with the date you opt for Quidco's Premium Features, and each anniversary of that date.

Please note that there are various circumstances in which a transaction with a retailer may not constitute a Qualifying Transaction, or Cashback may not result from it. Our help pages provide further information about these circumstances.

There are various circumstances in which Cashback will not be payable to the Account Holder, and will be forfeited to us, namely:

  1. where a Referral Fee is received by us but is not attributed to a Qualifying Transaction or associated with an Account (such as where the Account Holder is not logged-in to the Quidco Service when making the relevant purchase)
  2. the transaction to which the Cashback relates is cancelled after it has been entered into (whether under the right of cancellation that applies to some sales made at a distance, or otherwise)
  3. the Cashback is attributed to an Account Holder or Account that has been:
    1. suspended by us under Clause 8 of this Agreement;
    2. associated with any fraudulent activity or any breach of this Agreement;
    3. used to make purchases on behalf of, or for the benefit of, any other person
  4. where the Cashback is held in, or attributable to, an Account that has been inactive for more than twelve months.

Our help pages provide further information about these circumstances.

5. Intellectual Property

By uploading or including any material on the Quidco Service, an Account Holder expressly grants:

  1. to us a non-exclusive licence (including the right to grant sub-licences) to use, reproduce and distribute that material through the Quidco Service and any other interactive services through which we or our sub-licensee make the Quidco Service (or a service based on the Quidco Service) available; and
  2. to other Account Holders (through us, under the licence referred to in a. above), the non-exclusive, personal, non-transferable right to view the relevant material.

You acknowledge that all copyright, trade marks, and other intellectual property rights in and relating to the Quidco Service (including the material which is contributed by Account Holders or retailers) are owned by, or licensed to, us. It is easy to copy material which appears on web-sites, but this does not mean it is legal. Therefore, no-one may copy, distribute, show in public or create any derivative work from the Quidco Service, or any of the material which is found on the Quidco Service unless properly licensed to do so by us.

6. Privacy policy

Our Privacy Policy sets out details of how we handle your personal data and related matters.

Given the global nature of the World Wide Web, please note that a posting on the Quidco Service may be accessible to internet users around the world.

7. Our Role

Quidco is not a party to any transactions with retailers, and is not the seller or supplier of, and does not endorse, any of the goods or services that they make available. Thus we do not have any of the legal obligations that apply to the sellers of those goods or services.

Accordingly, we have no control over or responsibility for:

  1. the quality, safety, or legality of the goods or services available from retailers; or
  2. whether the retailer can or will supply and pass good title to any goods or services.

Account Holders should exercise no lesser degree of caution in entering into transactions with retailers than they would when entering into a similar transaction elsewhere.

To the extent that the law permits, you release us, our agents and employees from all liability arising out of or in connection with any transactions with retailers, including (without limitation) all claims and demands relating to transactions (whether completed or uncompleted) with retailers, or goods or services offered for sale or supply, or actually sold or supplied, through or in connection with any transactions with retailers.

8. Misuse

We reserve the right to suspend or terminate any Account Holders access to the Quidco Service, or parts of it, if in our reasonable view the relevant Account Holder or Account appears to be in breach of any provision of this Agreement.

An Account should be used only for purchases on the Account Holder's own behalf, and not on the behalf of, or for the benefit of, any other person(s).

Account Holders must not enter into, or attempt to enter into, any transaction with a retailer or to gain Cashback (a) by providing personal information of someone else, or a payment method which they are not entitled to use, (b) by deceptively or unfairly exploiting a retailer's offering, or (c) in breach of any terms and conditions applied by Quidco or the retailer to that transaction.

It is each Account Holder's obligation to ensure that any material posted by him/her or associated with his/her Account:

  1. is not defamatory, offensive, or abusive or of an obscene, indecent or menacing nature;
  2. is not intended or likely to cause needless annoyance, inconvenience or distress to any person;
  3. does not contain any computer virus, macro virus, Trojan horse, worm, or anything else designed to interfere with, interrupt, or disrupt the normal operating procedures of a computer or to surreptitiously intercept, access without authority, or expropriate any system, data or personal information;
  4. does not contravene any applicable law or regulation (including, but not limited to, laws governing consumer protection, distance selling, unfair competition, anti-discrimination, false advertising, copyright, trademark and privacy);
  5. does not breach the rights of any person or entity (including any rights or expectations of privacy);
  6. where it constitutes feedback on a retailer, is accurate and fair; and
  7. does not advertise any goods or services.

If you see or experience anything on the Quidco Service that appears to infringe any of the above requirements, we would like you to inform us by using our contact form.

Each Account Holder acknowledges that we are entitled, but not obliged, to withdraw any material, which appears - based on information received from third parties or other Account Holders - to be in breach of this Agreement.

9. Contact from third parties

If anyone contacts us in relation to material or transactions associated with you or your Account, then you agree:

  1. to provide all reasonable information and assistance we may require in connection with responding to that contact; and
  2. to respond promptly and accurately to it, should we pass the message to you for a response.

10. Additional services

We or our partners may offer new or additional services through the Quidco Service from time to time. Your use of those services may be subject to additional terms and conditions, which you must comply with. Provided that those terms are notified to you on the Quidco Service in an appropriate manner (as determined by us in our reasonable discretion) when you agree to take those services, any failure by you to comply with a material provision of the terms governing those services will amount to a breach of this Agreement.

11. Operation of the Quidco Service

We reserve the right to withdraw, modify or suspend aspects of the Quidco Service, or the entirety of it, where we have legal, security, technical or commercial reasons to do so. We will endeavour to give you 30 days advance notice before taking such action, except where it is necessary to take earlier action for security reasons or because of technical difficulties which would otherwise adversely affect the Quidco Service. There may also be times when the Quidco Service becomes inaccessible as a result of technical difficulties experienced by Quidco or on the Internet; we will, however, use reasonable skill and care to overcome these difficulties where they are within our control. Please note, however, that we cannot guarantee continuous access to the Quidco Service or any of the content that appears on it.

Nevertheless, we will strive to ensure that any periods of planned unavailability, which you will be informed of when you access the Quidco Service at the relevant time, are kept to a minimum.

For security or other reasons, we may require you to change password or other information which facilitates access to the Quidco Service; however, we will never ask you for your password via email, telephone, or any other means other than through the www.Quidco.com website. You are solely responsible for maintaining the confidentiality of your password and any additional identifying information.

12. Liability

  1. We warrant that the Quidco Service will be provided with reasonable care and skill with the intention of meeting our specifications for the Quidco Service, but we cannot and do not guarantee that the Quidco Service will meet your requirements.
  2. Quidco shall be liable as expressly provided in this Agreement, but shall have no other obligation, duty or liability whatsoever in contract, tort (including negligence, breach of statutory duty and any other tort) or otherwise.
  3. Nothing in this Agreement excludes or restricts our liability for death or personal injury resulting from our negligence.
  4. Subject always to sub-Clause e. below, Quidco shall be liable for direct loss or damage only, whether in contract, tort (including negligence, breach of statutory duty or other tort) or otherwise, and whether caused by its act or omission or that of its employees, agents or subcontractors. Quidco's aggregate liability during any successive period of twelve months, the first of which shall be deemed to begin on the date when you obtain your Account, shall be limited to the greater of (a) £5 (five pounds sterling), or (b) the amount of the then-current Premium Features Retention Fee (whether or not it is payable by you), in respect of that twelve-month period (but without limiting our obligation to pay Cashback to Account Holders to the extent provided in this Agreement).
  5. We will not be liable to you or anyone else, whether in contract, tort (including negligence, breach of statutory duty or other tort) or otherwise:
    1. for any loss of revenue, business, anticipated savings or profits, or
    2. for any indirect, special or consequential loss, damage, costs or other claims, howsoever caused or arising, whether through non-supply or late supply of the Quidco Service or other non-performance of this Agreement or otherwise.
  6. Except as expressly stated elsewhere in this Agreement, all representations, warranties, conditions and other terms, whether express or implied (by common law, statute, collaterally or otherwise) are hereby excluded, except in the case of fraud, or where such exclusion is not permitted by law.
  7. For the avoidance of doubt, Quidco will not have liability to you or any other person in respect of material contributed by Account Holders, transactions (or non-transactions) with retailers, or any activity or communication relating to such material or transactions.
  8. The provisions of this Clause 12 shall survive the termination or expiry of this Agreement.

13. Indemnity

You agree upon demand to indemnify Quidco against and to be wholly responsible for all liabilities, claims and expenses that may arise out of or in connection with (a) any breach of this Agreement by you or through your Account, or (b) any transaction with a retailer.

14. Assignment

We reserve the right to assign this Agreement, and to assign or subcontract any or all of our rights and obligations under this Agreement, but will not do so in such a way as to reduce any guarantees you are given under this Agreement. You may not without the written consent of Quidco assign or dispose of this Agreement, nor subcontract any of your rights and obligations under it.

15. Entire Agreement

This Agreement is intended to contain your entire agreement with us relating to the Quidco Service; we believe it to be fair and reasonable. It replaces all earlier agreements and understandings with you relating to the Quidco Service, except for any fraud or fraudulent representation by either of us.

16. Changes to this Agreement

We reserve the right to change this Agreement from time to time, and post the new version on the Quidco Service. When we do so, we will post the new version of the Agreement on the Quidco Service, and the new version of these terms and conditions will take effect, and will govern the Quidco Service and your relationship with us:

  1. commencing no less than thirty days after the date of posting (or such later date as we indicate in the relevant posting), if any of the changes is to an operative provision of this Agreement which is capable of adversely affecting you; if you do not wish to be governed by the new version of the Agreement, you may notify us on or before the date when the new version of the Agreement is to take effect, and from that date you must cease to use the Quidco Service; or
  2. immediately upon the date of posting (or such later date as we indicate in the relevant posting), if the changes are not to operative provisions, or not capable of adversely affecting you - examples of which would include, without limitation, changes to contact details referred to, or the refinement of provisions that are already included, in this Agreement.

17. General

In the event that any term of this Agreement is held to be invalid or unenforceable, the remainder of this Agreement shall remain valid and enforceable. You and Quidco are independent contractors, and no agency, partnership, joint venture or employee-employer relationship is intended or created by this Agreement. Our failure to act with respect to a breach by you or others does not waive our right to act with respect to subsequent or similar breaches.

18. Law

This Agreement, and our relationship with you and each Account Holder, is governed by the laws of England and Wales.

You and we each submit to the non-exclusive jurisdiction of the English courts in relation to disputes arising in connection with this Agreement.

19. Keeping this Agreement

We don't separately file the individual Agreements entered into by Account Holders when they register for the Quidco Service. You can access it at www.quidco.com. Please make a durable copy of this Agreement by printing and/or saving a downloaded copy on your own computer. It is offered in English only.

20. Contact

We are Maple Syrup Media Limited, and our address for correspondence and queries is Quidco.com, The Gateway, Broad Street, Sheffield S2 5TF. We are a company registered in England and Wales under registration no. 5498276. Our VAT registration number is 877899131. Maple Syrup Media Limited is authorised and regulated by the Financial Conduct Authority (registered number 533105). Please note that all communications (including formal notices) under this Agreement are to be sent and received by email. For this purpose, your notices should be sent via our contact form, and we will send our notices to you at the email address you notify to use when you register as an Account Holder, as changed subsequently in your Account details.

Initial Disclosure Document
About our insurance service

The Financial Conduct Authority (FCA)

The FCA is the independent watchdog that regulates financial services. It requires us to give you this information. Use this information to decide if our services are right for you.

Whose products do we offer?

We provide quote indications from a panel of insurers and brokers. The number of providers considered will be reflected in the quotation results screen where the quote indications are listed, when you will be able to see who the quote indications are from. You can then access those firms directly for a full quote from their web site(s).

Which service will we provide you with?

Quidco provides you with a quote comparison system. We are not an insurance or financial broker and do not sell insurance to you directly. We allow you to use our systems free of charge to compare quotes from a number of insurers and you will then transfer to their website to buy the policy.

Where Quidco promotes a cashback offer for a particular product, the promotion relates specifically to the cashback arrangement and should not be seen as an endorsement or recommendation of the individual insurance product being promoted.

We will not provide you with any advice on any product or quotation provided and you will need to make your own decision regarding its suitability for you in your individual circumstances.

What will you have to pay us for our services?

We normally receive commission from the insurer with whom you place your business and do not charge you a fee.

Who Regulates Us?

Quidco is a trading style of Maple Syrup Media Ltd, 4th Floor, 76-80 Great Eastern Street, London EC2A 3JL which is authorised and regulated by the Financial Conduct Authority. Our FCA Register number is 533105. You can check our status at www.fca.org.uk/firms/systems-reporting/register or by contacting the FCA on 0800 111 6768.

Our permitted business includes making arrangements with a view to transacting General Insurance policies.

What to do if you have a complaint?

Our aim is to provide a first class service, however, if you wish to register a complaint about our insurance service, please contact us:

…in writing
Complaints Manager
Quidco
The Gateway
Broad Street
Sheffield
S2 5TF

…by email
FCA@quidco.com

If you cannot settle your complaint with us, you may be entitled to refer it to the Financial Ombudsman Service if it falls within their remit. Some of our services are not regulated by the Financial Conduct Authority or covered by the Financial Ombudsman Service.

Are we covered by the Financial Services Compensation Scheme (FSCS)?

We are covered by the FSCS. You may be entitled to compensation from the scheme if we cannot meet our obligations. This depends on the type of business and the circumstances of the claim. Insurance advising and arranging is covered for 90% of the claim, without any upper limit.

For compulsory classes of insurance, insurance advising and arranging is covered for 100% of the claim, without any upper limit. Further information about compensation scheme arrangements is available from the FSCS.

http://www.quidco.com/