Terms of Service

Last updated: January 2026

1. Acceptance of Terms

By using OptiPolicy, you agree to these Terms of Service. If you do not agree, please do not use this website or our services.

2. Nature of the Service

OptiPolicy provides general educational information about insurance concepts relevant to creative professionals in the UK.

We do not:

• Provide insurance advice
• Recommend insurance products or providers
• Arrange or sell insurance

3. No Professional Advice

All content, reports, and summaries are for informational and educational purposes only and should not be considered professional, legal, or insurance advice.

You should always consult an FCA-authorised insurance professional before making insurance decisions.

4. User Responsibilities

You agree that:

• Information you provide is accurate to the best of your knowledge
• You will not rely solely on OptiPolicy for insurance decisions
• You use the service at your own discretion

5. Payments & Refunds

Where paid services are offered:

• Payments are processed securely via third-party providers (e.g. Stripe)
• Fees are clearly displayed before purchase
• Due to the personalised nature of reports, refunds are not guaranteed once delivery has begun

6. Limitation of Liability

To the fullest extent permitted by law, OptiPolicy shall not be liable for:

• Any loss arising from reliance on educational information
• Business, financial, or indirect losses
• Decisions made based on content provided

7. Intellectual Property

All content on this website is the property of OptiPolicy and may not be copied, reproduced, or redistributed without permission.

8. Changes to Terms

We may update these Terms from time to time. Continued use of the website constitutes acceptance of the updated Terms.

9. Governing Law

These Terms are governed by the laws of England and Wales.