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Terms and Conditions

1. Introduction
Welcome to the website of Vantage Health & Life LTD ("we", "us", or "our"). These Terms and Conditions ("Terms") govern your use of our website www.vantagehl.co.uk. By using our site, you agree to be bound by these Terms. If you do not agree with them, please do not use the website.


2. Who We Are
Vantage Health & Life LTD is a UK-based company providing health and life insurance lead generation and referral services. All services are conducted offline or via direct communication (email, phone, or SMS) after you submit a lead form.
Vantage Health & Life is a trading style of 1st Call 4 Mortgages (UK) Ltd who is authorised and regulated by the Financial Conduct Authority. FCA number (676588)


3. Use of This Website
This website is intended to provide general information about our services and to collect lead information from individuals interested in health or life insurance. You may only use this website for lawful purposes and must not:

  • Submit false or misleading information

  • Use the website in any way that may damage, disable, or impair the site or interfere with other users

  • Attempt to gain unauthorised access to any part of the website

 

4. No Financial or Insurance Advice
The content on this website is for general informational purposes only. It does not constitute financial or insurance advice, nor does it represent a binding offer or quotation. All personalised information and advice are provided directly by our team after you submit your enquiry. All regulated financial advice is provided only after a full fact-finding process by a qualified adviser in accordance with FCA guidelines.


5. Third-Party Links
Our website or advertising (e.g. Facebook or Instagram forms) may link to third-party websites. We are not responsible for the content, accuracy, or privacy practices of third-party sites.


6. Intellectual Property
All content on this website — including text, graphics, logos, and branding — is the property of Vantage Health & Life LTD or its licensors and is protected by applicable copyright and intellectual property laws. You may not use, reproduce, or distribute this content without written permission.


7. Liability Disclaimer
We make every effort to ensure the accuracy and reliability of the information on our site, but we make no warranties or representations of any kind. We shall not be liable for any loss or damage arising from the use of this website or the information it contains.


8. Data Protection
By submitting a form via this website, Facebook, or Instagram, you agree to the collection and use of your data in accordance with our Privacy Policy. We do not use cookies or store personal information beyond what is submitted voluntarily. For further details, please review our Privacy Policy


9. Governing Law
These Terms are governed by the laws of England and Wales. Any disputes arising from or relating to the use of this website shall be subject to the exclusive jurisdiction of the courts of England and Wales.


10. SMS Messaging Terms
By providing your phone number and opting in, you consent to receive text messages (SMS) from Vantage Health & Life. Messages may include appointment reminders, updates, promotions, or service-related information.

  • Message and data rates may apply.

  • Message frequency varies.

  • You can reply STOP at any time to unsubscribe.

  • Reply HELP for assistance or contact us at info@vantagehl.co.uk.

We reserve the right to modify or discontinue SMS messaging at any time without notice.

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  1. We will only message you to confirm we have received your form submission or to let you know that we have tried to contact you by phone to discuss your quotation as you must speak directly to an authorised advisor in the instance of receiving a quotation for relevant life insurance.

  2. You can cancel the SMS service at any time. Simply text "STOP" to the shortcode. Upon sending "STOP," we will confirm your unsubscribe status via SMS. Following this confirmation, you will no longer receive SMS messages from us. To rejoin, sign up as you did initially, and we will resume sending SMS messages to you.

  3. If you experience issues with the messaging program, reply with the keyword HELP for more assistance, or reach out directly to info@vantagehl.co.uk.

  4. Carriers are not liable for delayed or undelivered messages.

  5. As always, message and data rates may apply for messages sent to you from us and to us from you. Message frequency varies. For questions about your text plan or data plan, contact your wireless provider.

  6. For privacy-related inquiries, please refer to our privacy policy


11. Contact Us
If you have any questions about these Terms, please contact:
📧 Email: info@vantagehl.co.uk
🏢 Company: Vantage Health & Life LTD
🌐 Website: www.vantagehl.co.uk

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