Terms of Service

1. Acceptance of Terms

By accessing and using the OSeniors website and services ("Service"), you accept and agree to be bound by the terms and provision of this agreement. These terms constitute a legal agreement between you and OSeniors ("we", "us", "our").

If you do not agree to abide by the above, please do not use this Service.

2. Use Licence

Permission is granted to temporarily access the materials on OSeniors' website for personal, non-commercial transitory viewing only. This is the grant of a licence, not a transfer of title, and under this licence you may not:

• Modify or copy the materials
• Use the materials for any commercial purpose or for any public display
• Attempt to reverse engineer any software contained on the website
• Remove any copyright or other proprietary notations from the materials

This licence shall automatically terminate if you violate any of these restrictions and may be terminated by us at any time.

3. Content and Information

The materials on OSeniors' website are provided on an 'as is' basis. To the fullest extent permitted by law, OSeniors makes no warranties, expressed or implied, and hereby disclaim and negate all other warranties including without limitation, implied warranties or conditions of merchantability, fitness for a particular purpose, or non-infringement of intellectual property or other violation of rights.

Information published on this website is for general information purposes only and is not intended as financial, legal, or other professional advice. You are responsible for obtaining independent professional advice before making any financial or service decisions based on information found on this website.

4. Affiliate Relationships and Compensation

OSeniors may receive compensation in the form of commissions, referral fees, or other payments when you engage with certain services, offers, or partners featured on our website. Such relationships are clearly marked with indicators including "Ad", "Sponsored", "Partner", or similar designations.

This compensation does not influence our editorial content, comparison methodologies, or recommendations. All content is produced independently according to our editorial guidelines.

5. User Conduct

When using our Service, you agree not to:

• Violate any applicable local, national, or international laws or regulations
• Submit false, misleading, or fraudulent information
• Engage in any conduct that restricts or inhibits anyone's use of the Service
• Use automated systems or software to extract data from the website
• Attempt to gain unauthorised access to any portion of the Service

6. Privacy and Data Protection

Your privacy is important to us. Please review our Privacy Policy, which also governs your use of the Service, to understand our practices.

7. Limitation of Liability

In no event shall OSeniors or its suppliers be liable for any damages (including, without limitation, damages for loss of data or profit, or due to business interruption) arising out of the use or inability to use the materials on OSeniors' website, even if OSeniors or an authorised representative has been notified orally or in writing of the possibility of such damage. Because some jurisdictions do not allow limitations on implied warranties, or limitations of liability for consequential or incidental damages, these limitations may not apply to you.

8. Indemnification

You agree to indemnify and hold harmless OSeniors, its officers, directors, employees, agents, and third parties, for any losses, costs, liabilities, and expenses (including reasonable attorney's fees) relating to or arising out of your use of or inability to use the Service, any user postings made by you, your violation of any terms of this Agreement or your violation of any rights of a third party, or your violation of any applicable laws, rules or regulations.

9. Third-Party Links

OSeniors may contain links to third-party websites or services that are not owned or controlled by OSeniors. We have no control over, and assume no responsibility for, the content, privacy policies, or practices of any third-party websites or services.

10. Modifications to Service

OSeniors reserves the right at any time to modify or discontinue, temporarily or permanently, the Service (or any part thereof) with or without notice. You agree that OSeniors shall not be liable to you or to any third party for any modification, suspension, or discontinuance of the Service.

11. Governing Law and Jurisdiction

These terms and conditions are governed by and construed in accordance with the laws of England and Wales. Any disputes relating to these terms and conditions will be subject to the exclusive jurisdiction of the courts of England and Wales.

Any legal action or proceeding arising under this agreement will be brought exclusively in courts located in England and Wales, and the parties hereby irrevocably consent to the personal jurisdiction and venue therein.

12. Dispute Resolution

Before pursuing any legal action, we encourage users to attempt to resolve disputes through our customer service channels. For disputes that cannot be resolved informally, the parties agree to submit to binding arbitration under the Arbitration Act 1996, with proceedings conducted in England and Wales.

13. Severability

If any provision of these terms is found to be unenforceable or invalid under any applicable law, such unenforceability or invalidity shall not render these terms unenforceable or invalid as a whole, and such provisions shall be deleted without affecting the remaining provisions herein.

14. Contact Information

Questions about these terms should be sent to us via our contact form.