Terms & Conditions

These Terms & Conditions have been split into two main sections, being our Website Terms & Conditions, and our App Terms & Conditions. They should be read in conjunction with one another.

You’ll need to understand these Terms & Conditions before you can decide whether you agree to them. We’ve kept them as brief as possible, to make this as quick and easy as we can.

Once you agree to these Terms & Conditions they will constitute a legal agreement between you and us which will govern your use of the Kudo website and the Kudo app. If you’re under 18 you must gain permission from a parent or guardian in order to enter into this agreement.

Website terms

The website is owned and operated by Kudo. Kudo is a trading name of Kudo MGA Limited, registered in England and Wales under company number 13392723, with a registered address of 49 Greek Street, London, W1D 4EG ("we" or "us" as referred to in these Terms & Conditions).

Using our website

By continuing to use our website, you agree to comply with these terms and conditions, including those of our Privacy Policy and our Cookie Policy, which you should read. You further agree to comply with any terms and conditions that are specific to individual products.

This website is designed for personal use only and must not be used for commercial purposes. You may not copy, extract data using any means, reproduce, or publish any content from the website, and you may not use technology including bots, screen scrapers or any other automated means of interacting with this website. If we believe that you are using the website for commercial purposes, we may revoke access immediately and pursue legal action against you. We may take legal action if we uncover unauthorised use or interference with access to this website, misappropriation, misuse or infringement of our content, website functionality, look and feel of the website or interference with the identity of this website or taking any action to impair the good will of our trade names, trademarks or other intellectual property.

Your information

Privacy is at the heart of what we do, and we take every care to protect the information you provide to us. You must treat any login details (e.g. username and password) you provide to us as confidential, and if you believe that anyone else knows these details, you should contact us as soon as possible.

To provide our products and services to you, we need accurate information. Therefore, you confirm that any information you provide is accurate to the best of your knowledge. If you believe you have made a mistake, please contact us as soon as practical. Deliberately providing false or misleading information in order to procure products or services may lead to us taking legal action against you. We may also cancel any products or services provided by us to you.

We do not provide financial advice

You should not take any of the information displayed on this website as advice or as providing a recommendation that a product or service is right for you and meets your needs. If you need such advice or recommendation, you should contact a suitable financial advisor.

Third parties

Where our website contains links to third party websites or other information not owned by Kudo Insurance, you should read the terms and conditions associated with them. We hold no responsibility or liability in relation to information, products or services made available to you via those sites, nor do they speak for Kudo or represent our views. You may not do anything to change, damage, imitate, interfere or otherwise corrupt any information on our site or link third-party sites to ours without our written permission.

Alterations to these terms and conditions

We may amend these terms and conditions at any time without providing you notice.

Our intellectual property

All rights are expressly reserved in all intellectual property of our websites including but not limited to:

Trademarks

All Kudo trade names and logos, icons, and service marks are registered trademarks of Kudo.

Copyright

Kudo Insurance owns or is licensed to use all copyrights, design rights, database rights, algorithms and other intellectual property in this website as well as the intellectual property rights in the content, look and feel or links on this website.

Our liability

We have no liability to you or others in relation to this website including damage caused by:

Inability to access this site at any time or the availability of our site at any time
The accuracy of any information on our website
Your ability to complete any transaction or purchase on our site whether caused by us or a third-party affiliate

Any external events beyond our control which we could not reasonably have foreseen, including but not limited to: malicious attacks on our systems, viruses or any other form of cybercrime, DDOS attacks

This limitation does not cover our liability for personal injury or death as a direct result of our negligence; for our own fraud or fraudulent misrepresentation; or any other liability that cannot be excluded such as under the rules and regulations of the Financial Conduct Authority.

Governing law

The use of our website is governed by the laws of England and Wales, and in the event of a claim or dispute you irrevocably submit to the exclusive jurisdiction of the English courts.

This document was last updated on the 28th of May 2021.