Last updated: 4 March 2026

Terms of Use

1. About Us

Lifecoverfor.com is a trading style of Nesto Mortgages Ltd (company number 14964264), registered in England and Wales. We operate solely as an introducer, connecting consumers with independent, FCA-regulated protection advisers. We are not authorised or regulated by the Financial Conduct Authority and do not provide financial advice, arrange insurance policies, or handle client money.

2. Acceptance of Terms

By accessing or using this website, you confirm that you have read, understood, and agree to be bound by these Terms of Use and our Privacy Policy. If you do not agree with any part of these terms, you must stop using this website immediately.

3. Our Service

Our service is limited to:

• Gathering basic information about your circumstances through our online assessment
• Matching you with a suitable, independent, FCA-regulated protection adviser from our panel
• Facilitating an introduction between you and that adviser

We do not provide financial advice, make personal recommendations, arrange insurance contracts, or guarantee any particular outcome. Any advice, quotes, or products you receive will come directly from the independent adviser, not from us.

4. Not Financial Advice

All content on this website, including articles, guides, comparison information, and assessment tools, is provided for general information purposes only. Nothing on this website constitutes financial advice, a personal recommendation, or an endorsement of any particular insurance product or provider. You should always seek independent professional advice before making any financial decisions.

5. Eligibility

To use our services, you must:

• Be at least 18 years of age
• Be a resident of the United Kingdom
• Provide truthful and accurate information in all forms and assessments
• Use our services only for your own personal purposes (or for someone you have authority to act on behalf of, with their full knowledge and consent)

6. Your Obligations

When using this website, you agree not to:

• Provide false, misleading, or incomplete information
• Use our services for any fraudulent, unlawful, or unauthorised purpose
• Attempt to interfere with, disrupt, or compromise the security or functionality of our website
• Reproduce, copy, distribute, or commercially exploit any content from this website without our prior written consent
• Use automated tools, bots, scrapers, or similar technology to access our website or extract data

7. Third-Party Advisers

The advisers we introduce you to are independent third parties. They are not our employees, agents, or representatives. Each adviser is independently authorised and regulated by the Financial Conduct Authority and operates under their own terms, conditions, and privacy policies.

We accept no responsibility or liability for:

• The advice, recommendations, or services provided by any adviser
• The suitability of any product recommended or arranged by an adviser
• Any fees, charges, or commissions applied by an adviser
• Any loss, damage, or dissatisfaction arising from your dealings with an adviser

If you have a complaint about an adviser, you should contact the adviser directly in the first instance. If unresolved, you may escalate your complaint to the Financial Ombudsman Service at financial-ombudsman.org.uk. You can verify any adviser's regulatory status at register.fca.org.uk.

8. Limitation of Liability

To the fullest extent permitted by law:

• This website and all content are provided on an “as is” and “as available” basis, without any warranties or representations of any kind, whether express, implied, or statutory
• We exclude all implied warranties, conditions, and representations, including but not limited to fitness for a particular purpose, accuracy, completeness, and non-infringement
• We shall not be liable for any direct, indirect, incidental, special, consequential, or punitive damages arising out of or in connection with your use of this website or our services
• Our total aggregate liability to you for any claims arising from or related to these terms or your use of our website shall not exceed £100

Nothing in these terms excludes or limits our liability for death or personal injury caused by our negligence, fraud or fraudulent misrepresentation, or any other liability that cannot be lawfully excluded or limited.

9. Intellectual Property

All content on this website, including text, graphics, logos, icons, images, design, layout, and underlying code, is owned by or licensed to Nesto Mortgages Ltd and is protected by copyright, trademark, and other intellectual property laws. You may view and print content for your personal, non-commercial use only. Any other reproduction, distribution, or commercial use requires our prior written consent.

10. Website Availability

We do not guarantee that this website will be available at all times or without interruption. We reserve the right to suspend, withdraw, or restrict access to all or any part of our website at any time without notice. We shall not be liable for any loss or inconvenience caused by the unavailability of our website.

11. Third-Party Links

This website may contain links to external websites operated by third parties. These links are provided for your convenience only. We have no control over the content, accuracy, or availability of those websites and accept no responsibility or liability for any loss or damage arising from your use of them.

12. Indemnity

You agree to indemnify, defend, and hold harmless Nesto Mortgages Ltd, its directors, officers, employees, and agents from and against any claims, liabilities, damages, losses, costs, or expenses (including reasonable legal fees) arising out of or in connection with your misuse of our website, your breach of these terms, or your violation of any applicable law or regulation.

13. Governing Law

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

14. Changes to These Terms

We reserve the right to update or amend these Terms of Use at any time. The “last updated” date at the top of this page indicates when the terms were most recently revised. Your continued use of this website following any changes constitutes your acceptance of the updated terms.

15. Contact Us

If you have any questions about these Terms of Use, please contact us:

• Email: [email protected]
• Post: Nesto Mortgages Ltd, Grove Chambers, Basecamp, 36 Green Lane, Wilmslow, England, SK9 1LD
• Company Number: 14964264