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Terms & Conditions

Our Terms 

What follows below are important points which You need to know about livesinsured.co.uk  & TFLI Limited and the service We provide. We request that You read the following terms and conditions prior to using this iframe form to ensure that You are satisfied with the service We can offer You. 

If, after reading Our terms and conditions, You do not agree with the content then We request that You do not use Our service. 

Definitions 

"Terms" means these terms and conditions; 

"Users" means the users of the Website collectively; 

"User Information" means the details provided by You on any application via the Website; 

"We/Us/Our" means TFLI Limited; 

"Website" means the Website or any subsequent URL which may replace it which is used to access Our form; 

"You/Your/Customer" means a user of the Website. 

"Service" means the process in which TFLI Limited refers your enquiry to a debt solutions provider. 

"Provider" means the third party company who may provide You with a debt solutions service. 

About us 

Lives Insured is a trading name of TFLI Limited. TFLI Limited is licenced by the Information Commissioners Office, (Registration Number Z3609437), Registered in the UK, number 08424846. Registered Office Address: Adelphi Mill, Grimshaw Lane, Bollington, Cheshire, SK10 5JB. 

Our service 

Lives Insured is owned and operated by TFLI Limited.  We are not a provider or advisor for debt solutions and therefore We will not provide solutions or advice directly to You; We provide an online referral service, We will introduce You to Providers of Debt Solution services. By submitting an enquiry through Our Website You will be giving Your consent for TFLI Limited to pass your details to one of the Debt Solution Providers on Our panel. We will present Your enquiry in real time to one or more of Our Providers. It is important to understand that We may be paid a fee by the Provider for introducing You to them. There is no obligation for You to take up the service with them. You should read their conditions carefully and make a responsible decision on whether You believe their service is right for You. If You have any questions or are unsure You should contact the Provider before taking out any service with them. 

Any examples of solutions stated on the Websites are purely given as a representative example relating to some of the solutions that may be available. There is no guarantee that all/any solutions will apply to your circumstances. We have no control over the decision making. 

The Provider will conduct an assessment of your circumstances before providing potential solutions. 

Customer checks & referencing 

Upon confirmation to proceed, the Provider may use both fraud prevention and credit referencing agencies to help make relevant decisions. Credit checks and credit reference agencies can also help prevent fraudulent applications so We ask You to agree to using data provided for the purpose of preventing fraud and ensuring that Your identity is protected. 

Information provided by You must always be true and accurate, as misleading information will be regarded as a breach of Our terms and is likely to breach any agreement You have entered into with a Provider. Misleading information may also result in the instigation of criminal procedures against You. 

Information about You (including Your visits to the Website) 

We will only process information about You in accordance with the privacy policy.When You use Our website and form You consent to us processing Your personal information and therefore warrant that all information/data provided by You is accurate and correct. 

Communication 

Unless stated otherwise We may contact You via means of telephone, SMS, post or email to provide information and alerts relating to Your enquiry. 

Intellectual property rights 

The copyright and material on this website & form is owned by TFLI Limited and is protected by the copyright and trademark laws of the United Kingdom. You are permitted to copy any such information for Your own personal use but may not republish, store or reproduce any such information in any manner, including but not limited to electronic reproduction, without the prior written consent of TFLI Limited. 

Any unauthorised downloading, retransmission, or other copying or modification of any of the contents of this form may be in breach of statutory or common law rights which could be the subject of legal action. TFLI Limited disclaims all liability which may result from any unauthorised reproduction or use of the information on this form. 

Liability 

We cannot guarantee that the Provider will offer a solution. This may be as a result, directly or indirectly, of a systems problem, issues which are unforeseeable or outside of Our control or that of the Providers, or because information has been provided incorrectly. Accordingly, We shall not be liable for any loss You may suffer unless We have been negligent or not acted in accordance with these Terms and Conditions or unless otherwise required by UK law. In the event that You do not use this form with reasonable care and in accordance with these terms and conditions or We discover or are notified that You are using this form fraudulently, We, and or, the Provider reserve the right to charge You for any reasonable costs that We may incur in taking action to stop You using the form and recover any monies owed as a result of Your activities. 

Compliance 

The form may only be used for lawful purposes and in a lawful manner. You agree to comply with all applicable laws, statutes and regulations regarding the Form and its use. You agree not to upload or transmit through the form: any computer viruses or anything else designed to interfere with, interrupt or disrupt the normal operating procedures of a computer; and any material which is defamatory, offensive or of an obscene character. 

Jurisdiction 

The website & form is controlled and operated in the United Kingdom. These Terms and any non-contractual obligations arising out of or in connection with these Terms will be governed by the laws of England and Wales and You irrevocably agree to submit to the exclusive jurisdiction of the English courts. 

Complaints 

We endeavor to make every effort to ensure Our service to You is excellent; however, if You wish to make a formal complaint, please send Your complaint via email or by writing to the following address: Email us at or write to: The Compliance Manager, TFLI Limited, Adelphi Mill, Grimshaw Lane, Bollington, SK10 5JB

You will be contacted by one of our partners shown below: