1. Introduction

In these Conditions the following definitions apply:

Welcome to Spotdif, a service provided by Narwhal Group Limited ("Narwhal", "we", "our", "us"). These Terms & Conditions ("Terms") apply when you use our comparison and lead generation services (the "Service") to request product quotes, information, or to connect with relevant service providers ("Service Providers").

By using our Service, you agree to comply with and be bound by these Terms. If you do not agree with these Terms, you must not use the Service.

Spotdif provides a platform that enables you to request quotes and information for a range of products or services by connecting you with Service Providers. Through the Service, you can submit a request for quotes or schedule appointments with Service Providers for various products, including but not limited to insurance, utilities, health products, and more.

Once you submit your request, we will share your details with relevant Service Providers, who will contact you directly with quotes or further information. You are under no obligation to accept any offers or make any purchases from the Service Providers.

When using our Service, you are required to provide certain personal information, including but not limited to your name, contact details, product preferences, and in some cases, sensitive information such as health details (e.g., for health-related products). The information you provide is used to connect you with relevant Service Providers who can meet your requirements.

3.1. Consent for Data Sharing

By submitting your details, you consent to the collection, processing, and sharing of your personal data with the Service Providers and other third parties involved in delivering the Service. This may include sharing your data with comparison services, marketing platforms, and other entities for re-marketing purposes. We may also share your details with trusted third-party partners who assist us in providing our Service.

3.2. Explicit Consent for Marketing Channels

Before submitting your data, you will be presented with an option to opt-in to marketing communications. By checking the relevant consent box, you explicitly give your consent for us, and third-party partners, to contact you for marketing purposes via:

• Email

• SMS/Text message

• Telephone calls

• Other marketing channels (such as push notifications, social media ads, etc.)

This consent allows us to send you information about relevant products, services, promotions, and offers related to your interests. You can withdraw your consent at any time by opting out through the unsubscribe link in any email, by replying with "STOP" to an SMS, or by contacting us directly at hello@spotdif.com.

3.3. Data Usage for Marketing and Re-marketing

We may use the data provided by you for marketing and re-marketing purposes, including but not limited to:

• Showing relevant ads through platforms such as Google, Facebook, and other marketing channels.

• Creating custom and lookalike audiences to target similar potential customers.

• Sending you information about similar products and services, unless you opt-out of receiving such communications.

By using our Service, you agree to receive such communications, but you can opt-out at any time by following the unsubscribe instructions in our emails or by contacting us directly.

3.4. Data Protection

We take the protection of your data seriously and store it securely. We comply with all applicable data protection laws, including the General Data Protection Regulation (GDPR). You have the right to access, update, and delete your personal information at any time. For more information on how your data is used and your rights, please refer to our Privacy Policy.

When using the Service, you agree to:

• Provide accurate, current, and complete information to enable us to connect you with relevant Service Providers.

• Keep your contact details up to date to ensure that Service Providers can reach you.

• Understand that you are under no obligation to purchase any products or services from any Service Providers you are connected with.

You must only use the Spotdif platform for personal use, including on behalf of your friends or family where they have asked you to do so, or for legitimate business purposes if you are a business user.

You must complete any required forms truthfully and accurately, as any discrepancies could affect the products or services offered.

The Service connects you with third-party Service Providers. These Service Providers are independent from us, and we do not have any control over their actions, services, or products. You acknowledge that any engagement with these Service Providers is at your own risk, and we are not liable for any issues, disputes, or complaints arising from your interactions with them.

We use cookies to enhance your experience with our Service. Cookies help us understand how you interact with our platform, enabling us to provide a better service and deliver targeted advertisements. You can manage your cookie preferences through your browser settings. For more details, please refer to our Cookie Policy.

Spotdif offers a rewards program to customers who purchase products we recommend through our partners. To qualify for a reward, the customer must provide proof of purchase and proof of installation of the recommended product. Proof can be submitted by emailing both documents to hello@spotdif.com.

Upon receiving the necessary documentation, Spotdif will issue a voucher equivalent to the value communicated to the customer, or as specified on the Spotdif website (spotdif.com), within 30 days of notification. Rewards will primarily be issued in voucher format, with options for Amazon or similar retailers. The reward cannot be exchanged for cash or any other alternative value.

Spotdif reserves the right to withdraw, amend, or modify this rewards scheme at any time without prior notice. The rewards program is subject to availability, and all rewards are issued solely at the discretion of Spotdif's customer service team.

If you have a complaint about the Service, please contact us at hello@spotdif.com or use the contact details provided on our website. We aim to resolve complaints as quickly and efficiently as possible. If your complaint is not resolved to your satisfaction, you have the right to escalate the matter to the relevant UK authority or an alternative dispute resolution (ADR) body.

In case of any disputes, we will attempt to resolve them through mutual agreement. If a resolution is not possible, you may refer the issue to the appropriate regulatory body or legal authorities.

To the fullest extent permitted by law, Narwhal and its affiliates, employees, agents, or third-party providers shall not be liable for any direct, indirect, incidental, special, or consequential damages arising out of or in connection with your use of the Service.

We make no warranties or representations regarding the suitability or quality of the products or services offered by Service Providers.

We reserve the right to suspend or terminate your access to the Service at any time if we believe you have violated these Terms or engaged in fraudulent or illegal activities. You may also request that we remove your personal data from our systems at any time, subject to applicable legal obligations.

We may update these Terms from time to time to reflect changes in our services, legal requirements, or business practices. Any changes will be posted on this page with the updated date. We encourage you to review these Terms periodically. Continued use of the Service after any changes indicates your acceptance of the updated Terms.

Your privacy is important to us. We comply with the GDPR and UK Data Protection laws. We collect, process, and store your personal data in accordance with our Privacy Policy. You have the right to access, correct, or delete your data at any time by contacting us directly. We will not share your data for purposes other than those explicitly stated, and we provide all users with the right to withdraw consent for marketing communications.

These Terms are governed by and construed in accordance with the laws of England and Wales. Any disputes arising from or in connection with these Terms will be subject to the exclusive jurisdiction of the courts of England and Wales.

If you have any questions or concerns about these Terms, please contact us at:

Narwhal Group Limited 2 Marsh Road, Bristol, BS3 2NA Email: hello@spotdif.com