1.1 https://stableprice.com is operated by Stable Group Ltd (we, us, our, Stable). We are registered in England and Wales under company number 10289382 and have our registered office at 3 Whitehall Court, London SW1A 2EL.
Stable Group Ltd (FRN 815360) is an Appointed Representative of Bluefriars Brokers Ltd (FRN 604987), which is authorised and regulated by the Financial Conduct Authority.
1.2 This document (together with the documents referred to in it) tells you the terms of service (Terms) which apply to browsing of our website https://stableprice.com (Website) and to the creation of a user account to allow you to seek quotations for insurance products and to access other information and services that are made available to you (Service(s)). The terms apply whether you are a website visitor or a registered user and, unless stated otherwise, any new features, offers or services that we offer will be subject to these Terms.
2.1 Our service is web-based and allows users that register for an account (each an Account Holder) to use our Service. The Services that are available to you depend on who you are and your relationship with us. The Website and Services do not constitute an offer by Stable to sell insurance products and services to everyone who wishes to purchase. You should be aware that Stable retains the right to accept or reject any request to buy products or services, and any purchase made through the Service will be subject to separate terms and conditions which are applicated to that product or service.
|User Type||Description of Service|
|Farmer or other individual||The registration of an account to allow you to obtain insurance quotations and take out insurance products. If you purchase an insurance product, there are different legal terms that apply which will be provided to you on purchase.|
|Employee, agent or contractor
of a corporate customer
|The registration of an account to allow you to seek information about commodity indices, the availability of insurance products to insure against fluctuations in commodity prices and to generate insurance quotations. Any purchase of an insurance
product will be subject to terms agreed between the entity you are representing and Stable.
|Employee, agent or contractor
of our sales partners
|The registration of an account to allow you to see certain commission information in relation to insurance products sold by Stable in accordance with an agreement between the entity you are representing and Stable.|
|Employee, agent or contractor
of our insurance partners
|The registration of an account to allow you to see certain information in relation to insurance products sold and managed by Stable in accordance with an agreement between the entity you are representing and Stable.|
2.2 Our Service may include certain communications from us, such as service announcements,
administrative messages and marketing information including market commentary, new features
and pricing information.
2.3 In order to browse our Website and use the Service, you must arrange for access to the
Internet and provide all equipment necessary to make such connection. You should use your own
virus protection software. You agree not to access the Service by any means other than through the
interfaces that are provided by Stable for access. We do not guarantee that our Website and
Services will be free from bugs or viruses.
2.4 From time to time we will update and change the Website and Service to improve
performance, enhance functionality, reflect changes to the operating system or address security
issues. Although we try to ensure our Website and Services are available 24/7, we cannot guarantee
this. We may suspend or withdraw or restrict the availability of all or any part of our Website or
Services without notice for any reason.
3.1 We process your personal data in a number of different ways depending on the Services you are accessing from us. Our Privacy Notice and Cookie Notice explain in detail the personal data we collect, how we use your personal data, with whom we share your personal data, how we maintain security of your data and your rights in relation to the personal data we hold about you.
3.2 We will only send you marketing information where we have a lawful basis to do so, including, if required, your consent. You have a right to opt out of marketing communications at any time by contacting us at email@example.com
4.1 You may only register to become an Account Holder if you are aged 18 or over.
4.2 To register to be an Account Holder you must provide us with the information requested on the account registration pages of our Website (Registration Data). The information requested will vary depending on your relationship with Stable but will include personal data: see our Privacy Notice.
4.3 On registering your account and periodically during the period that you are an Account Holder, we will use your Registration Data to verify that you are who you say you are, that you are not sanctioned or exposed to political risk in any way and that you have an insurable interest to insure. To carry out identity and verification checks, we supply your name, address, telephone number and date of birth to our third party identification service providers who arrange for your details to be checked against various databases (public or otherwise) to which they have access. They may also use your details in the future to assist other companies for verification purposes and they will retain a record of the search. We are required by law to carry out these checks. To verify that you have an insurable interest, we may check that you represent a genuine farm by matching your address details with publicly available information from the Rural Payments Authority.
4.4 If you represent a corporate customer or one of our sales or insurance partners, before registering your account and periodically during the period that you are an Account Holder, may check that you are authorised to have access to our Service on behalf of your organisation.
4.5 You agree to provide true, accurate, current and complete information as prompted by the Service’s registration form, which you must maintain and promptly update as applicable. If you provide any information that is untrue, inaccurate, not current or incomplete, or we have reasonable grounds to suspect that this is the case, we have the right to refuse to register, suspend or terminate your account and refuse any and all current or future use of our Services. We reserve the right, at our discretion and without explanation, to refuse to register, suspend or terminate an account if we are not completely satisfied with the results of the checks we perform pursuant to clauses 4.3 and 4.4.
4.6 As an Account Holder, you are responsible for maintaining the confidentiality of your account password and your account, and are fully responsible for all activities that occur under your password or account. You agree to immediately notify us by emailing firstname.lastname@example.org of any unauthorised use of your password or account or any other breach of security. We will not be liable for any loss or damage arising from your failure to comply with this clause 4.6.
5.1 We reserve the right to update and change the Terms from time to time by posting the revisions on our Website. If you are an Account Holder, to continue using our Services after any material changes to our Terms, you will need to accept the revised changes when you next log in.
6.1 There is no charge for browsing our Website, becoming an Account Holder, generating quotations and otherwise accessing our Service.
6.2 The fees for any insurance product that you may purchase via our Services will be charged as part of the purchase of that insurance product. All payments made through our Services are processed by our third party payment providers and we will not have access to payment card details at any time.
6.3 Any commission payments that are payable on the purchase of insurance products will be disclosed to you at the time of purchasing that insurance product.
7.1 You may cancel your user account at any time by contacting email@example.com
7.2 We may, in our sole discretion and at any time, discontinue providing the Services, or any part of them, with or without notice.
7.3 If at the time of cancellation or termination in accordance with clauses 7.1 and 7.2 you do not have any insurance products in place with us, the cancellation or termination will take effect immediately. If you do have insurance products are in place at that time, cancellation or termination will take effect on expiry of all then current insurance products and after any claims have been processed.
7.4 After cancellation or termination, we will manage any data relating to your account in accordance with our data retention policies.
7.5 We may, in our sole discretion, terminate your account, for any reason, including and without limitation, if we believe the information you have provided to us is not true, accurate, current and complete or if we believe that you have acted in a fraudulent manner or otherwise violated these Terms or the terms of any insurance product. We will not be liable to you or any third-party for any termination of your access to the Service.
8.1 You must not misuse our Website and Services by knowingly introducing viruses, trojans, worms, logic bombs or other material that is malicious or technologically harmful. You must not attempt to gain unauthorised access to our Website and Services, the server on which they are stored or any server, computer or database connected to our Services. You must not attack our Website and Services via a denial-of-service attack or a distributed denial-of service attack. By breaching this provision, you would commit a criminal offence under the Computer Misuse Act 1990. We will report any such breach to the relevant law enforcement authorities and we will co-operate with those authorities by disclosing your identity to them. In the event of such a breach, your right to use our Services will cease immediately.
8.2 We will not be liable for any loss or damage caused by a distributed denial-of-service attack, viruses or other technologically harmful material that may infect your computer equipment, computer programs, data or other proprietary material due to your use of our Website, our Services or to your downloading of any material posted on it, or on any website linked to it.
9.1 Where our Website and Services contain links to other sites and resources provided by third parties, these links are provided for your information only. Such links should not be interpreted as approval by us of those linked websites or information you may obtain from them.
10.1 We are the owner or the licensee of all intellectual property rights in the Services, Website, and in the material published on it and any necessary software used in connection with the Services (Software). These works are protected by copyright laws and treaties around the world. All such rights are reserved. Except as expressly authorised by us, you agree not to modify, rent, lease, loan, sell, distribute or create derivative works based on the Services, the Website or the Software, in whole or in part.
10.2 You may print off one copy, and may download extracts, of any page(s) from our Website for your personal use and you may draw the attention of others within your organisation to content posted on our Website. You must not modify the paper or digital copies of any materials you have printed off or downloaded in any way, and you must not use any illustrations, photographs, video or audio sequences or any graphics separately from any accompanying text. Our status (and that of any identified contributors) as the authors of content on our Website must always be acknowledged.
10.3 You acknowledge that we will collect data on your use of our Website and Services for performance and service analysis. You grant us a world-wide, royalty-free, non-exclusive, perpetual licence to use non personally identifiable information from such data for the purposes of our business.
11.1 Our Website and the Services are provided on an “as is” and “as available” basis. We will make reasonable efforts to maintain the Services, however, we are not responsible for any damage, costs, loss of revenue, or other harm to you or your business arising out of unavailability of the Services, mis-delivery or non-delivery of information or communications, restriction or loss of access to the Services or unauthorised or misuse of the Services by you or another due to your sharing of access to the Services.
11.2 The Services are provided for the purposes of general information and for allowing you to generate quotations for insurance products. The Services have not been developed to meet your individual requirements and do not offer advice on which you should rely. You should consider obtaining professional or specialist advice before taking, or refraining from, any action on the basis of information obtained from the Services. Stable is not providing you with any financial advice in the provision of the Service.
11.3 We do not warrant that
12.1 We are responsible to you for foreseeable loss and damage caused by us. If we fail to comply with these Terms, we are responsible for loss or damage you suffer that is a foreseeable result of our breaking these Terms or our failing to use reasonable care and skill in the provision of the Services. Loss or damage is foreseeable if either it is obvious that it will happen or if, at the time you accept these Terms, both we and you knew it might happen.
12.2 We do not exclude or limit in any way our liability to you where it would be unlawful to do so. This includes liability for death or personal injury caused by our negligence or the negligence of our employees, agents or subcontractors or for fraud or fraudulent misrepresentation.
13.1 If you represent one of our insurance or sales partners, the terms of this clause 13 do not apply to you and the limitations on our liability are subject to separate terms and conditions agreed between the entity you are representing and Stable.
13.2 Nothing in these terms shall limit or exclude our liability for (a) death or personal injury caused by our negligence, or the negligence of our employees, agents or subcontractors; (b) fraud or fraudulent misrepresentation; or (c) any other matter in respect of which it would be unlawful for us to exclude or restrict liability.
13.3 Subject to clause 13.2:
14.1 Failure by us to exercise or enforce any right or provision of these Terms shall not constitute a waiver of such right or provision.
14.2 We may transfer our rights and obligations under these Terms to another organisation. We will tell you if this happens and we will ensure that the transfer will not affect your rights under these Terms. You may only transfer your rights or your obligations under these Terms to another person if we agree in writing.
14.3 Each of the clauses of these Terms operates separately. If any court or relevant authority decides that any of them are unlawful, the remaining clauses will remain in full force and effect.
14.4 These Terms and any dispute or claim arising out of or in connection with them or their subject matter or formation (including non-contractual disputes or claims) shall be governed by and construed in accordance with the laws of England and Wales.
14.5 If you are a business, the English courts will have exclusive jurisdiction over any claim arising from, or related to, these Terms. If you are consumer, you can bring proceedings in the English courts or in a court in the country in which you live. In respect of any infringement of our intellectual property rights, we reserve the right to bring proceedings against you in your country of residence or any other relevant country.
If you have any questions, comments or concerns regarding these Terms please contact us at firstname.lastname@example.org or write to us at 3 Whitehall Court, London SW1A 2EL.