Terms & Conditions

Welcome to Two Tone Insurance. By accessing our website or using our services, you agree to these Terms & Conditions. Please read them carefully. If you do not agree, you should not continue to use this site.

1. Acceptance of Terms

By using this website, you confirm that you have read and accepted these Terms & Conditions, along with our Privacy Policy. Continued use of the site means you accept any updates made to these terms.

2. Our Services

Two Tone Insurance is a comparison and connection platform that helps users explore and compare life-insurance options. We introduce users to licensed, independent providers who can offer suitable policies. Our service is free to users; we may earn a commission from our partners if you choose to proceed with a policy through them.

We do not sell or underwrite insurance products directly and cannot guarantee eligibility, pricing, or approval by any provider.

3. User Responsibilities

Provide accurate and truthful information in any form or assessment.
Use our site only for lawful purposes.
Not attempt to interfere with, damage, or disrupt the website or its security.

4. Communication Consent

By submitting your information, you consent to being contacted by Two Tone Insurance and its approved partners via phone, SMS, or email to discuss your enquiry. You can withdraw consent at any time by emailing hello@twotoneinsurance.com or following opt-out instructions in messages you receive.

5. Information Sharing

Your information is shared only with licensed, vetted partners to help fulfil your request. We do not sell your data to unrelated third parties. You may also receive occasional updates or guidance emails; you can unsubscribe anytime.

6. Consumer Rights

Residents of the UK and Australia have specific rights under local consumer-protection and data-privacy laws, including the right to access, correct, or delete personal information. To exercise these rights, contact us at hello@twotoneinsurance.com.

7. Limitation of Liability

Two Tone Insurance acts as an introducer only. We are not responsible for the terms, pricing, or performance of any insurance policy offered by third-party providers. We accept no liability for loss or damage arising from the use of our site or any linked provider services. Use of the platform is at your own discretion and risk.

8. Data Security

We take reasonable technical and organisational measures to safeguard your data. However, no online system can be guaranteed 100 % secure, and you acknowledge that information transmitted over the internet is at your own risk.

9. Cookies and Tracking

We use cookies and analytics tools to enhance your experience and improve our site. You can control or disable cookies in your browser settings, though this may limit functionality.

10. Intellectual Property

All content, branding, and design on this site are the property of Two Tone Insurance / Two Tone Media. You may not reproduce, distribute, or use any materials without written permission.

11. Termination or Access Restriction

We reserve the right to suspend or terminate access to this website for any reason, including misuse or breach of these Terms & Conditions.

12. Changes to These Terms

We may revise these Terms & Conditions periodically to reflect legal, technical, or operational changes. The most recent version will always be published here, and continued use of our website means you accept those changes.

13. Contact Us

If you have any questions about these Terms & Conditions, please contact us:

Email: hello@twotoneinsurance.com
Address: Two Tone Media, First Floor, Swan Buildings, 20 Swan Street, Manchester M4 5JW UK