TERMS 
                        OF USE
                        You may make use of Our Website, www.honestjohnny.co.uk 
                        ("Website" and "Site") in accordance 
                        with these Terms and Conditions. 
                        
                        COMPANY AND WEBSITE INFORMATION
                        HonestJohnny.co.uk is a Website operated by Honest Johnny 
                        Limited ("We" and "Us"), registered 
                        in England and Wales under company number 6420903. 
                      1 
                        Website Use
                        1.1 By accessing this Website you agree to be bound by 
                        these terms and conditions and all other applicable laws. 
                        If you do not agree to be bound by these terms and conditions, 
                        please leave this Website.
                        1.2 These terms and conditions:
                        1.2.1 Apply to you upon your entering this Website.
                        1.2.2 May be changed or terminated by Honest Johnny Ltd 
                        without notice, for any reason and at any time. You agree 
                        that Honest Johnny Ltd has no obligation to inform you 
                        of these changes and that it is your responsibility to 
                        establish whether the terms and conditions have been changed. 
                        If you disagree with any changes then you must stop using 
                        the Honest Johnny Ltd site immediately.
                        1.3 The provisions in these terms and conditions relating 
                        to disclaimer, copyright, trademark, limitation of liability, 
                        indemnity, hypertext links, severance and law & jurisdiction 
                        shall survive any termination.
                      2 
                        Disclaimer
                        2.1 This Site and its materials, products and services 
                        within this Site are provided purely on an "as is" 
                        and "as available" basis.
                        2.2 To the full extent permitted at law Honest Johnny 
                        Ltd make no (and expressly disclaims all) representations 
                        or warranties, express or implied in respect of this Site 
                        or its contents or the contents, advice and opinions of 
                        any Hypertext Link or third party contributor to this 
                        Site, including, but not limited to, implied warranties 
                        as to quality, accuracy, adequacy, usefulness, timeliness, 
                        reliability, merchantability and fitness for a particular 
                        purpose and non infringement of the contents of this Site 
                        or any goods or services purchased or obtained or any 
                        transactions entered into by you through this Site. 
                        2.3 Honest Johnny Ltd do not represent or warrant that 
                        the material nor any of the functions found within this 
                        Site or the contents of any hypertext link or any comments, 
                        advice or opinions added by any third party contributor 
                        to this Site will be uninterrupted, accurate, complete 
                        or that current defects shall be amended, or that this 
                        Site or the server that makes the Site available are free 
                        of viruses, trojans or other harmful components.
                        2.4 As an impartial comparison Website service, We utilise 
                        the services of third party providers and through accessing 
                        and using Our Website you also need to ensure you agree 
                        with any other Terms and Conditions or guidance notes 
                        of these third party providers as and when they are used 
                        by you. If you do not agree with any Terms and Conditions 
                        or guidance notes, you should not use Our Website or the 
                        associated third party service.
                        2.5 Whilst We endeavour to find you the best possible 
                        deal for your circumstances, it is possible that you might 
                        find a better deal elsewhere even though We do seek to 
                        ensure the information on Our Website and the deals that 
                        we are able to negotiate offer you the best value. We 
                        cannot offer tailored advice on any specific products 
                        and should you require tailored advice then please seek 
                        independent professional advice. 
                      3 
                        Copyright
                        3.1 You agree that all copyright and other intellectual 
                        property rights in the material or content of this Site 
                        shall remain at all times vested purely in Honest Johnny 
                        Ltd or its licensors.
                        3.2 You agree that the content of this Site is made available 
                        for you in your personal capacity and solely for your 
                        personal use. You agree that this Site will not be used 
                        for any commercial use. You agree that you may only download 
                        the content of this Site onto one computer hard drive, 
                        but not for commercial use, and that any other use of 
                        the content of the Site is strictly prohibited without 
                        written consent from Honest Johnny Ltd.
                        3.3 You agree that you will neither solely or jointly 
                        with or on behalf of any other third party directly or 
                        indirectly copy, reproduce, transmit, distribute, publish, 
                        display, or commercially exploit the content of this Site.
                      4 
                        Logos
                        The logos and service marks used and displayed on this 
                        Site are, unless otherwise specified, the logos of Honest 
                        Johnny Ltd. No rights are granted to use any of them without 
                        the written permission of Honest Johnny Ltd.
                      5 
                        Liability Limitation
                        5.1 Honest Johnny Ltd shall not held be liable in negligence, 
                        contract, tort, statutory duty or in any other way for 
                        any of the following:
                        5.1.1 Any loss or damage caused of whatever nature arising 
                        directly or indirectly from or in any way related with 
                        the Site, or through your participation in any activities 
                        purchased/received via Honest Johnny Ltd, or
                        5.1.2 Your reliance or use of any information or material 
                        obtained either directly or indirectly from the use of 
                        this Site, or
                        5.1.3 Any purchases or orders that you make for goods 
                        and/or services either indirectly or directly through 
                        this Site, including any damage for loss of profits or 
                        loss of business without limitation, or
                        5.1.4 Any other consequential or pecuniary loss in any 
                        way related to the use of this Site.
                        5.2 Condition 5.1 shall apply even if Honest Johnny Ltd 
                        have been advised of the possibility of such loss or damage.
                        5.3 You acknowledge that any dealings, bookings or purchases 
                        of goods or services made with a third party by you through 
                        this Site shall be subject to the terms and conditions 
                        of that third party and that Honest Johnny Ltd will not 
                        be a party to or in any way responsible for or liable 
                        to you in respect of any transactions between you and 
                        that third party. 
                        5.4 You agree that it is your sole responsibility to evaluate 
                        any goods or services offered by this Site or by any third 
                        parties via this Site. 
                        5.5 Honest Johnny Ltd is unable and therefore does not 
                        make any representations or warranties as to the security 
                        of information that you pass to any third parties as a 
                        result of using this Site either directly or indirectly.
                        5.6 You acknowledge that Honest Johnny Ltd has no control 
                        over the information which can be accessed by this Site 
                        or which can be accessed by any other web site which you 
                        access as a result of using this Site.
                        5.7 You acknowledge that Honest Johnny Ltd does not know 
                        or examine the use to which you or other users put this 
                        Site or the nature of the information you or other users 
                        are sending or uploading.
                        5.8 Honest Johnny Ltd will therefore exclude all liability 
                        of whatever kind and to the fullest extent permitted by 
                        law (this includes libel, breach of confidence, invasion 
                        of privacy, negligence and all intellectual property infringements) 
                        for the transmission or reception of information which 
                        can be accessed by this Site of whatever nature by about 
                        or to you.
                      6 
                        Links
                        6.1 Honest Johnny Ltd may provide a link from its own 
                        Site to other web sites. Honest Johnny Ltd may also direct 
                        emails to persons chosen by you, however you acknowledge 
                        & agree that Honest Johnny Ltd has no control over 
                        these emails or Hypertext Links (or any other third party 
                        link) and that you use these links or forwarding mechanisms 
                        entirely at your own risk.
                        6.2 You acknowledge & agree that Honest Johnny Ltd 
                        will not be held responsible or liable for the content 
                        or any policies of any Hypertext Links (or any other third 
                        party link) as mentioned in 7.1 above.
                      7 
                        Indemnity
                        You agree to keep Honest Johnny Ltd indemnified against 
                        all actions, claims, costs, expenses (including all legal 
                        costs) and damages brought against or suffered by Honest 
                        Johnny Ltd arising out of any breach of these terms and 
                        conditions or any activity relating to your use of the 
                        Site (including negligent or wrongful conduct) by you 
                        or any other person accessing the Site using your name 
                        or any other name with which you have supplied to Honest 
                        Johnny Ltd.
                      8 
                        Law & Jurisdiction
                        These terms and conditions shall be governed by and construed 
                        in all respects in accordance with English law and the 
                        parties irrevocably agree that the courts of England and 
                        Wales shall have exclusive jurisdiction in respect of 
                        any dispute, suit, action, arbitration or proceedings 
                        which may arise out of or in connection with these terms 
                        and conditions provided that Honest Johnny Ltd has the 
                        right at its sole discretion to commence and pursue proceedings 
                        in any other jurisdiction or jurisdictions whether concurrently 
                        or not.
                      9 
                        Severance
                        If any of these terms and conditions shall in whole or 
                        in part be held to any extent to be illegal or unenforceable 
                        under any enactment or rule of law such provision shall 
                        to the extent required be severed from the terms and conditions 
                        and rendered ineffective as far as possible without modifying 
                        the remaining provisions of this agreement and shall not 
                        in any way affect any other circumstances or the validity 
                        or enforcement of these terms and conditions.
                      10 
                        Minors and Non-UK Residents
                        10.1 If you are under 18 years of age (or 17 in the case 
                        of motor insurance) or you are not a UK resident, you 
                        must not use Our Website to obtain or apply for financial 
                        or insurance based products.
                        10.2 Honest Johnny Ltd take no responsibility and make 
                        no representations or warranties to the effect that the 
                        contents of this Site are suitable for people under the 
                        age of 18.
                      11 Use of Character Workshop Application
                        Honest Johnny Ltd does not control content from the sender 
                        included within any emails sent or published by the user. 
                        By accessing any messages or message content, you acknowledge 
                        that: (a) you may be exposed to content provided by the 
                        sender that is abusive, offensive or otherwise objectionable; 
                        and (b) Honest Johnny Ltd will not be liable in any way 
                        for such content, including, but not limited to any errors 
                        or omissions in such content or e-mail addresses included 
                        therein or any loss or damage of any kind incurred as 
                        a result of the review and/or use of such content.
                      12 
                        Privacy Policy
                        We or third parties acting on Our behalf may use your 
                        Personal Information to supply you with products, services 
                        or information that you have requested as a result of 
                        using Our Website. We or third party providers may use 
                        your details to make contact with you via telephone, letter 
                        or e-mail to make you aware of specific products and services 
                        that may be of interest to you.
                        As part of our services We may also pass your personal 
                        information to certain third parties who offer products 
                        and services relating to products or services which you 
                        have expressed an interest in through using Our Website, 
                        or for fraud protection purposes. 
                        In the event of a sale of Our business, We also may need 
                        to pass on your personal details to the buyer.