Partner Programme Terms

1. About these terms

These terms are a legally binding agreement between you and InstaQuote Ltd, a company registered in England and Wales with company number 17224118 ("InstaQuote", "we", "us"). Our registered office is on public record at Companies House under that number. "You" means the person accepting them and, if you accept for a business, that business.

They cover the InstaQuote Partner Programme: you promote InstaQuote with your own code and link, and we pay you commission on subscription payments from customers you refer. The agreement is these terms plus Your Deal (section 3). If they conflict, Your Deal wins on the numbers it shows and these terms win on everything else.

The programme is separate from our Terms of Service, which cover any use you make of InstaQuote for your own business.

2. Accepting these terms

You accept these terms by ticking the box and pressing accept on your activation page. That creates a binding contract, just as if you had signed a paper copy. You can ask us for a copy at any time.

We keep a record of your acceptance: the date and time, the name and email you gave, your IP address, your device and browser details, the version of these terms, and Your Deal as it was shown to you. That record is evidence of what you agreed.

By accepting, you confirm that you are 18 or over and, if you accept for a business, that you have authority to bind it.

3. Your Deal

Your activation page shows Your Deal, which is recorded with your acceptance and is personal to you. It sets out:

(a) the commission percentage we pay you;

(b) your Commission Period: either a fixed period, such as "12 months", or "lifetime" (see section 7); and

(c) the discount your Referred Customers get on their subscription, and for how long.

4. Your code and link

We give you one unique code (for example BOBIQ) and a share link (getinstaquote.com/?ref=YOURCODE). Only we create codes. Your code and link belong to us, and you may use them only to promote InstaQuote under these terms while this agreement is in force.

5. Referred Customers

A Referred Customer is a new InstaQuote account that has never paid for an InstaQuote subscription before, by any route, and that either:

(a) signs up after opening your share link, tracked in that browser; or

(b) enters your code at checkout on our website.

One partner per customer. A customer is linked to the first partner code or link applied to their account, and that link can never be moved to or from another partner. If partners disagree about a customer, our records decide and are final unless they contain an obvious error.

Tracking is not guaranteed. Your link may not track if the customer clears their browser data, uses another device or browser, or signs up or pays inside the InstaQuote iPhone or Android app. They can still enter your code at checkout on our website. We owe no commission on any customer or payment that our records do not link to you.

These are never Referred Customers: your own account; any business you own or part-own, run or are employed by; any account where you are in reality the customer; and any account created, linked or paid for in breach of these terms. You cannot earn commission and a refer-a-friend reward under our Terms of Service for the same customer.

6. Commission

We pay you commission at the percentage in Your Deal on every Qualifying Payment. A Qualifying Payment is a subscription payment to InstaQuote that a Referred Customer makes through checkout on our website (processed by Stripe), after they are linked to you and within your Commission Period.

Commission is worked out on the amount we actually receive, excluding VAT, after any discount, and less any refund or chargeback.

No commission is due on:

(a) payments made through Apple App Store or Google Play in-app purchase, even by a customer linked to you;

(b) free trials, or any period nobody has paid us for;

(c) anything that is not a subscription payment to InstaQuote, including one-off services and any fee we charge on payments that trades take from their own customers; or

(d) money we do not receive, or that is refunded or charged back.

7. Commission Period

A fixed Commission Period, such as "12 months", covers Qualifying Payments made in that period, starting on the date of the Referred Customer's first paid subscription payment.

A "lifetime" Commission Period covers every Qualifying Payment that Referred Customer makes, for as long as they keep paying for an InstaQuote subscription.

8. How and when we pay you

We pay monthly in arrears. After each calendar month, we work out the commission on Qualifying Payments we received that month, take off any deductions under section 9, and pay you by bank transfer, in pounds sterling, by the end of the following month.

Amounts under £10 roll over to the next month until the total reaches £10. When no more commission can become due to you, we pay whatever balance is left.

Send your bank details privately by email to hello@getinstaquote.com, never through the app. We may check any change of bank details with you before using it, and we are not responsible for a payment made to details you gave us.

Your partner page (the private link we send you) is your statement. At any time it shows how many Referred Customers are linked to you, what you have earned, what is due to you and what we have paid you. To protect customers' privacy, it does not name or identify them.

If you think your figures for a month are wrong, email us within 90 days of the end of that month and we will look into it. After that, they are treated as correct unless they contain an obvious error or there has been fraud.

9. Refunds, chargebacks and fraud

If a payment that earned you commission is later refunded or charged back, we deduct the commission on it from your future commission.

If we end this agreement for your fraud or serious breach (section 13), all commission not yet paid to you is forfeited. You must repay any commission obtained through fraud, and any commission we paid you that was not due, within 30 days of us asking. We may also deduct it from anything we owe you.

10. How you promote InstaQuote

When you promote InstaQuote:

(a) Be honest. Describe InstaQuote only using what is on getinstaquote.com at the time. Do not promise prices, features, results, savings or earnings, and do not say anything our Terms of Service do not back up.

(b) Always say you earn commission, clearly and up front, every time and everywhere you promote InstaQuote, for example "#ad" or "I earn commission if you sign up with my code". Follow the UK advertising rules (the CAP Code) and the ASA and CMA guidance on influencer and affiliate marketing.

(c) No spam. Follow the Privacy and Electronic Communications Regulations (PECR) and UK data protection law. Do not send marketing emails, texts or direct messages to individuals, sole traders or ordinary partnerships without their consent, or make marketing calls to numbers registered with the TPS or CTPS. Every message must say who you are and give an easy way to opt out, and you must stop when asked. You are responsible for your own contact lists, as a separate controller of that data.

(d) Do not pretend to be InstaQuote, or say or suggest that you work for us or speak for us.

(e) Do not bid on or use "InstaQuote", or anything similar, in paid search or keyword ads, and do not use it in any domain name, social media handle, username or page name.

(f) Do not post your code or link on voucher, coupon, deal or cashback websites or forums.

(g) Use our name, logo and trade marks only in the form we provide, only to promote InstaQuote, and only while this agreement lasts. Do not change them or try to register anything similar. We own all rights in them.

(h) Do not offer anyone cash back, a share of your commission or any other reward for signing up, unless we agree in writing.

(i) Do not sign up or pay for anyone else, use false details, or use bots or any other trick to create signups or commission.

(j) Follow every law that applies to what you do under these terms.

If we ask you to change or remove anything you have published about InstaQuote, do it within 48 hours.

11. Our relationship

You are an independent business, not our employee, worker, agent, partner in the legal sense or joint venturer. The word "partner" is just the programme's name. You cannot bind us, make promises for us or accept payment on our behalf. Customers deal with us directly under our Terms of Service.

This agreement is not exclusive on either side. There are no targets or minimums, we do not promise that you will earn anything, and you pay your own costs of promoting InstaQuote.

You are responsible for your own income tax, National Insurance and any VAT. Commission includes any VAT that may be due on it, unless we agree otherwise in writing.

12. Changes

We may change these terms or the programme by giving you at least 30 days' notice by email, or as much notice as we reasonably can if the law or a regulator requires a change sooner. If you do not agree, you can end this agreement before the change takes effect. If you carry on after that, you accept the change. We may also ask you to accept the new version before your code keeps working for new customers.

No change can reduce the commission percentage or Commission Period for Referred Customers already linked to you before the change takes effect, unless you agree in writing. We can change customer prices and discounts for future customers at any time.

13. Pausing and ending

Either of us can end this agreement at any time by giving 30 days' notice by email.

We can pause your code, or end this agreement straight away by email, if you break these terms, if we reasonably suspect fraud or abuse, or if we reasonably believe your conduct could harm our business or reputation. While your code is paused it will not link new customers, and we may hold commission while we look into things. If we find no fraud or serious breach, we pay everything we held.

A serious breach means a breach of section 5, 10 or 15, a breach that leads to a complaint, claim or regulator action against us, or any other breach you do not put right within 7 days of us asking.

When this agreement ends:

(a) your code and link stop working for new customers that day, and within 14 days you must stop promoting InstaQuote as a partner and remove your code and our brand from anything you control;

(b) unless we ended it for your fraud or serious breach, we keep paying commission on Referred Customers linked to you before it ended, for the rest of their Commission Period (for "lifetime", for as long as those customers keep paying);

(c) if we ended it for your fraud or serious breach, no further commission is due and section 9 applies; and

(d) sections 8, 9 and 13 to 17 keep applying.

If we cannot pay you for 12 months because we have no valid bank details for you, despite asking by email, the balance is forfeited.

14. Liability

Nothing in these terms limits liability for death or personal injury caused by negligence, for fraud or fraudulent misrepresentation, or for anything else the law does not allow to be limited.

Subject to that, we are not liable to you for any loss of profit, income, business or goodwill, for any indirect or consequential loss, or for any commission lost because a link or code did not track.

Subject to that, our total liability to you under or in connection with these terms, whether in contract, negligence or otherwise, is limited to the commission paid or payable to you in the 12 months before the event that led to the claim. This does not reduce commission properly due to you under these terms.

We do not promise that the programme, our website, the app or tracking will always work or be free of errors.

You will indemnify us (meaning you will cover us) against any losses, fines, claims, costs and reasonable legal fees caused by your breach of these terms or the law, for example a complaint about spam or misleading or undisclosed advertising, and against any tax or National Insurance claimed from us on your commission.

15. Your data and our customers' data

We use your name, email address, bank details, commission records and acceptance record to run the programme, pay you, keep the records the law requires and prevent fraud. Our privacy notice at getinstaquote.com/privacy explains more, including your rights.

We do not tell you who your Referred Customers are, and you must not use anything we give you, such as statements or figures, to try to identify or contact them. For any personal data you collect yourself, you are the controller and responsible for handling it lawfully.

16. Confidentiality

Keep your commission terms, your figures and any non-public information we give you about InstaQuote confidential, during and after this agreement. You may share them with your professional advisers or where the law requires. You may tell people about the customer discount.

17. General

You cannot transfer your rights or obligations under these terms, including your code, without our written agreement. We may transfer ours to whoever takes over our business or the programme. We will tell you if we do, and your rights will not be reduced.

These terms and Your Deal are the whole agreement between us about the programme. They replace anything said or written before about it, including earlier messages about commission, and you have not relied on any promise that is not in them. This does not affect liability for fraud.

If a court finds any part of these terms cannot be enforced, the rest still applies. If we delay enforcing a right, we can still enforce it later. No one else has any rights under these terms, including under the Contracts (Rights of Third Parties) Act 1999.

Notices are given by email: to us at hello@getinstaquote.com, and to you at the email address you gave us, which you must keep up to date. An email counts as received when sent, unless the sender is told it was not delivered.

If there is a problem, email us first and we will try to sort it out within 30 days. These terms, and any dispute or claim arising out of or in connection with them, are governed by the law of England and Wales, and the courts of England and Wales have exclusive jurisdiction.