Our Terms and Conditions

1.  About Us

Before You Go ("us", "we", "our") is a life planning site that can be used, amongst other things, to find the life insurance, Over 50s policy and funeral plan that match your needs.   Before You Go is a trading style of Before You Go Limited.

2.  Summary

The Website ("the Site") and its technology has been designed to allow private individuals or entities legitimately seeking services and products on their own behalf to find the prices from the product and service providers we list online.   Our service is free.  By requesting quotes to be presented and emailed to you, you are are agreeing to your information being shared directly with and used by relevant third-party providers to supply you with the information, quotes and services you are looking for.  We may also call to check you have the right information.  You can opt out of this call.  We respect your privacy (see our privacy policy) and will only disclose your personal information in connection with the services and providers we list, and to the extent required or permitted by law.

Therefore, if you are:

a private individual wanting to use the Website and its technology to find prices for life planning products and services on your own behalf and/or on behalf of a close family member; or

acting on behalf of a company wanting to use our Website and its technology to find prices for life planning products and services on behalf of the company; and

not involved in any way in searching for life planning products and services as a business and;

in agreement with our terms and our privacy policy;

you are permitted to use the Website and its technology on a temporary basis to find the information you need. When comparing services, or providers, or downloading information, you must ensure that you enter complete and accurate details so that we can provide you with the appropriate information.

The use of this site is intended for United Kingdom residents only. Nothing set out herein shall constitute an offer or promotion for products or services outside of the United Kingdom.

This website is for non-commercial use, meaning it is only for personal use. Unauthorised commercial or bulk use may slow down the speed of the service we can provide for our customers. We will monitor the use of our services. If we detect commercial or bulk usage before we have sent the results of our search, we may abort the search. In any event, we reserve the right to take action against those using our service in an unauthorised way, to prevent disruption of our service to genuine customers, and to recover any losses we suffer.

The Terms and Conditions below set out how use of the Site is to be governed and what to do in the event that you have a complaint about us or any of the providers of services.

3.  General

This Agreement applies as between you, the User of this Website and Before You Go the owner(s) of this Website. By using this Website you are agreeing to these Terms and Conditions. If you do not agree to be bound by these Terms and Conditions, you should stop using the Website immediately.

4.  Definitions and Interpretation

In this Agreement the following terms shall have the following meanings:

On the website the following terms shall have the following meanings:

“Independent” means a business entity which is owned, controlled and operated by a single person, family, or number of shareholders through the company itself or a parent/group company structure, which may or may not include investor shareholders.

“Co-operative” means a business entity which is ultimately owned and controlled by a number of shareholders. Each shareholder contributes capital in the business and shares in the profits of the business on the basis of a one-member, one-vote principle and not in proportion to his or her equity contribution, and may or may not participate in the day to day control and operations of the business.

“Public company (plc)” means a business entity that has shares which are traded freely on a stock exchange and can be bought and sold by anyone. Public companies are heavily regulated and are required by law to publish their financial position. Also called publicly held company.

5.  Intellectual Property

Subject to the exceptions in Clause 6 of these Terms and Conditions, all Content included on the Website (unless uploaded by Users, including, but not limited to, domain names, logos, trademarks, service marks, database rights, rights in design, rights in knowhow, patents and rights in invention - in all cases whether registered or unregistered and including all rights to apply for registration - text, graphics, icons, images, sound clips, video clips, data compilations, page layout, underlying code and software, domain names and all other intellectual or industrial property rights in any jurisdiction) is the property of Before You Go, our affiliates or other relevant third-parties. By continuing to use the Website you acknowledge that such material is protected by applicable United Kingdom and International intellectual property and other laws.

Subject to Clause 6 you may not reproduce, copy, distribute, store or in any other fashion re-use material from the Website unless otherwise indicated on the Website or unless given express written permission to do so by Before You Go.

6.  Third-Party Intellectual Property

Unless otherwise expressly indicated, all Intellectual Property rights including, but not limited to, Copyright and Trademarks, in product images and descriptions, belong to the manufacturers or distributors of such products as may be applicable.

You may not reproduce, copy, distribute, store or in any other fashion re-use such material unless otherwise indicated on the Website or unless given express written permission to do so by the relevant manufacturer or supplier.

7.  Fair Use

Fair use of Intellectual Property Material from the Website may be re-used without written permission where any of the exceptions detailed in Chapter III of the Copyright Designs and Patents Act 1988 apply.

8.  Links to Other Websites 

This Website or emails sent to the User by Before You Go may contain links to other sites. These links are being provided as a convenience and for informational purposes only.  Unless expressly stated, these sites are not under the control of Before You Go or that of our affiliates. We assume no responsibility for the content of such websites and disclaim liability for any and all forms of loss or damage arising out of the use of them. The inclusion of a link to another site on this Website or via email does not imply any endorsement of the sites themselves or of those in control of them.

9.  Links to this Website

Those wishing to place a link on other sites to the homepage or content found in the Help & Inspiration section of this Website may do so without prior permission, provided this is done in a fair and legal manner and does not damage our reputation or take advantage of it.  The Website in which you are linking must comply in all respects with the standards set out in these terms.  You must not establish a link to our site in any website that is not owned by you or in such a way as to suggest any form of association, approval or endorsement on our part where none exists.

We reserve the right to withdraw linking permission without notice.

10.  Use of the sQored rating and product or service reviews

Those wishing to use the sQored rating system or reviews to help them find and purchase a suitable product or service in any of its forms (e.g. content or videos), do so on the understanding we have used our best endeavours to provide an accurate review of the products and services provided by third-parties at the time the rating and review was created.  We cannot accept responsibility for any purchase that is later found to be unsuitable, due to any inaccuracies, omissions, limitations or exceptions in the rating and review content provided.   Ratings and reviews are subject to change at any time.

11.  Accounts

In order to procure products or services on this Website you may be required to create an Account which will contain certain personal details. By continuing to use this Website you represent and warrant that:

all information you submit is accurate and truthful;

you are not impersonating any individual or business;

that where you represent a business you have the full authority to do so.

Your creation of an Account is further affirmation of your representation and warranty.

Before You Go accepts no liability for any losses or damages incurred as a result of your Account details being shared by you. If you use a shared computer, it is recommended that you do not save your Account details in your internet browser.  If you have reason to believe that your Account details have been obtained by another without consent, you should contact hello@beforeyougo.love immediately to suspend your Account.

12.  Termination

We may terminate your Account in the event that you:

are substantially in breach of these terms and conditions;

violate or attempt to violate the rights of any User of this site or third-party or in any way seek to infringe their rights therein;

are attempting to use this site for the furtherance, whether actual or contemplated, of any criminal act.

In the event that we have to terminate your account we will be under no obligation to provide a reason for such termination.

13.  Our Obligations to You

We provide a means by which you can collect factual data about various products and services. Based upon the information provided you will receive a quote or quotes that you can use to compare against other services or products.

It is therefore vitally important that when providing information to any product or service providers you ensure that the information submitted is accurate and truthful. A failure to provide correct information could invalidate any subsequent contract between you and the product or service provider or materially affect the price you are expected to pay or the service you are provided.

Subject to these Terms and Conditions we will endeavour to ensure that all information provided by you is passed on correctly to the product or service provider.  Please see our privacy policy

14.  Your Obligations to Us

In order to get a quote through us, you will need to answer a set of questions. The answers you give will determine the amount you pay and the level of service or product you receive. You must get permission from any other people whose details you propose to use in requesting a quote before you provide us with any of their information. This applies to all information that you provide. In submitting any other person's details, you are warranting to us that you have their permission to do so, and that they understand how their information will be used. Please see our privacy policy

It is your responsibility to ensure that all information you enter onto Before You Go is true, accurate and complete and that you disclose all relevant and material facts. If you do not provide accurate information and disclose all material facts this could lead to inaccurate pricing.

Once you have accepted a  product or service from a third-party provider, it is important that you read all the documents (including key features and terms and conditions) issued to you by your selected provider as they may differ from ours.  You need to also ensure that you are aware of any levels of service, limitations and any other terms that apply. If any information is not correct, it is your responsibility to identify the mistake and correct this with the provider directly.

If you are a business user, you agree to indemnify, defend and hold us, and our officers, directors, employees, agents and suppliers, harmless immediately on demand and in full, from and against all claims, liability, damages, losses, costs and expenses, including reasonable legal fees, arising out of your breach of these terms or any other liabilities arising out of your use of our Website. This means that you will be responsible for any loss or damage we suffer as a result of your breach of these terms of use.

15.  Validity of Quote

Any quote provided may be subject to limitations or exceptions or terms and conditions specific to that product or service provider. It is your responsibility to investigate and ensure whether any specific provisions apply to you. Prices and Cashback contained in quotes provided remain subject to change.

16.  Cashback Award

You will be eligible for cashback on any product or service that includes a cashback offer, and only when

When do I get my cashback?

17.  Referral Award

You and a friend will be eligible for a referral award, if such an award is advertised on this Website.

We reserve the right to change or cancel the terms of a Referral award scheme at any time.  We do not accept responsibility for late payment or for non-payment of the referral award  if we are supplied the wrong bank account details or are unable to contact either party within six months. We reserve the right to reclaim or adjust any referral payment made in error.

18.  Our Responsibility for Content

We have taken the greatest care to ensure the information contained in this Website is accurate and up-to-date and that any statements of fact are true and accurate. However, we can accept no liability for any inaccuracies or omissions on our part or on the part of third-party websites who may owe you a separate duty of care.

Whilst we take every reasonable step to counteract viruses and other things with contaminating or destructive properties, we can give no warranty that this site and its content are free from viruses or anything else that has such contaminating or destructive properties. We would encourage you to use your own anti-virus software when using the internet or visiting websites.

19.  Privacy

Use of the Website is also governed by our privacy policy.  Please see our privacy policy.

If you wish to opt-out of our placing cookies onto your computer or device, please alter the settings on your internet browser. You may also wish to delete cookies which have already been placed. For instructions on how to do this, please consult your internet browser’s help menu.

20.  Disclaimers

Before You Go makes no warranty or representation that the Website will meet your requirements, that it will be of satisfactory quality, that it will be fit for a particular purpose, that it will not infringe the rights of third parties, that it will be compatible with all systems, that it will be secure and that all information provided will be accurate. We make no guarantee of any specific results from the use of our Service or Services.

The information contained in this website is for general information and non-advisory purposes only. The information is provided by Before You Go and while we endeavour to keep the information up to date and correct, we make no representations or warranties of any kind, express or implied, about the completeness, accuracy, reliability, suitability or availability with respect to the Website or the information, products, services, or related graphics contained on the Website for any purpose. Any reliance you place on such information is therefore strictly at your own risk.

No part of this Website is intended to constitute a contractual offer capable of acceptance.

Whilst we use reasonable endeavours to ensure that the Website is secure and free of errors, viruses and other malware, all Users are advised to take responsibility for their own security, that of their personal details and their computers.

21.  Changes to the Service and these Terms and Conditions 

We reserve the right to change the Website, its Content or these Terms and Conditions at any time. You will be bound by any changes to the Terms and Conditions from the first time you use the Website following the changes.

22.  Limitation of Liability

To the maximum extent permitted by law, Before You Go accepts no liability for any direct or indirect loss or damage, foreseeable or otherwise, including any indirect, consequential, special or exemplary damages arising from the use of the Website or any information contained therein. Users should be aware that they use the Website and its Content at their own risk.

Nothing in these Terms and Conditions excludes or restricts Before You Go's liability for death or personal injury resulting from any negligence or fraud on the part of Before You Go.

Nothing in these Terms and Conditions excludes or restricts Before You Go's liability for any direct or indirect loss or damage arising out of the incorrect provision of Services or out of reliance on incorrect information included on the Website.

Whilst every effort has been made to ensure that these Terms and Conditions adhere strictly with the relevant provisions of the Unfair Contract Terms Act 1977, in the event that any of these terms are found to be unlawful, invalid or otherwise unenforceable, that term is to be deemed severed from these Terms and Conditions and shall not affect the validity and enforceability of the remaining Terms and Conditions. This term shall apply only within jurisdictions where a particular term is illegal.

No Waiver In the event that any party to these Terms and Conditions fails to exercise any right or remedy contained herein, this shall not be construed as a waiver of that right or remedy.

Nothing in these Terms and Conditions shall confer any rights upon any third-party. The agreement created by these Terms and Conditions is between you and Before You Go.

23.  Contacting Us and Complaints Procedure

All notices / communications shall be given to us either by post to our Premises (see address above) or by email to hello@beforeyougo.love. Such notice will be deemed received 5 days after posting if sent by first class post, the day of sending if the email is received in full on a business day and on the next business day if the email is sent on a weekend or public holiday.

We may from time to time send you information about our products and/or services with your consent or contact you to discuss your quote. If you do not wish to receive such information or be contacted by us, please write to us at our Premises (see address above) or email hello@beforeyougo.love.  See our privacy policy.

Our aim is at all times to provide a first-class standard of service. However, there may be occasions when you feel we may have not achieved this. If we fall short of our own high standards then we want you to tell us. At Before You Go we take all feedback seriously.

In the first instance complaints should be addressed to us via email. When contacting us regarding a complaint please provide details of the issues you have encountered along with your full name, contact address and telephone number and times at which it would be most convenient to contact you.

Once the complaint is received we will endeavour to respond to you as promptly as possible and in any event within 24 hours and try, where possible, to achieve an amicable resolution.

If your complaint is regarding a provider that you have purchased a product or service through and with whom we put you in touch, then you should address your complaint direct to that company, the trade association, or ombudsman to which that provider belongs (where applicable). Before You Go cannot accept liability for errors made by the selected provider or answer complaints on their behalf. In such an event we recommend you follow the guidelines provided in their complaints procedure.

24.  Law and Jurisdiction

These Terms and Conditions and the relationship between you and shall be governed by and construed in accordance with the Law of England and Wales and we and you agree to submit to the exclusive jurisdiction of the Courts of England and Wales.