Privacy Policy



Terms and Conditions


Price and Availability


The price, details or availability of any of our products or services are subject to change without notice. We reserve the right to cease the supply of any product or service detailed on our website. When this happens, we are not liable to you in way.


All of the published products are subject to availability and we cannot offer any guarantees in this regard. Details of products or services on our website are not, and should not be construed as an offer to sell or buy these products or services by the relevant company who may accept or reject your offer at their sole discretion.


Copyright and Intellectual Property


The content of our website is Copyright © FORTY3. Creative Media.


All Intellectual Property Rights (including, without limitation, all database rights, rights in designs, rights in know-how, patents and rights in inventions (in all cases whether registered or unregistered and including all rights to apply for registration) and all other intellectual or industrial property rights in any jurisdiction) in any information, content, materials, data or processes contained in or to this website belong to FORTY3. Creative Media or its licensed source. All rights of FORTY3. Creative Media in such Intellectual Property Rights are hereby reserved.


The images, logos and names on this website which identify FORTY3. Creative Media or third parties and their products and services are proprietary marks of FORTY3. Creative Media or the relevant third parties. Nothing contained in this website shall be deemed to confer on any person any licence or right on the part of FORTY3. Creative Media or any third party with respect to any such image, logo or name.




FORTY3. Creative Media have taken care in the preparation of the contents of this website including all information, names, images, pictures and logos relating to FORTY3. Creative Media (or all associated products or services) are provided on an 'as is' basis. There is no representation or endorsement made and there is no warranty of any kind, whether express or implied, including but not limited to, any implied warranties of satisfactory quality, fitness for a particular purpose, non-infringement, compatibility, security and accuracy. To the extent permitted by law, all such terms and warranties are hereby excluded.


In no event will FORTY3. Creative Media be liable, whether in contract or tort (including negligence or breach of statutory duty) or otherwise, for any losses sustained and arising out of or in connection with use of this website including, without limitation, loss of profits, loss of data or loss of goodwill (in all these cases whether direct or indirect) nor any indirect, economic, consequential or special loss.




Whereas FORTY3. Creative Media have taken every care in the compilation of the information contained on this site, we cannot state that the information is accurate, comprehensive, verified or complete. We can accept no liability for the accuracy or completeness the information contained on our website. You should not rely solely on information stated on the website.




FORTY3. Creative Media cannot warrant that the functions or content contained on our website will be uninterrupted or error free or that defects will be corrected or that this website or the server that makes it available are virus or bug free or represent the full functionality, accuracy, reliability of the materials.




If any of these Terms and Conditions (or any terms and conditions relating to a product or service referred to in this website) are determined to be illegal, invalid or otherwise unenforceable by reason of the laws of any state or country in which such terms and conditions are intended to be effective, then to the extent of such illegality, invalidity or enforceability, and in relation to such state or country only, such terms or condition shall be deleted and severed from the rest of the relevant terms and conditions and the remaining terms and conditions shall survive, remain in full force and effect and continue to be binding and enforceable.




Unless otherwise specified, the products and services described in this website are available only to UK residents (excluding the Channel Islands and Isle of Man). The information on this Website is not provided for anyone other than UK residents and applications from others will, unless otherwise stated, not be accepted. FORTY3. Creative Media can make no representation that any product or service referred to on our website are appropriate for use, or available in other locations.


The information and other materials contained in this website may not satisfy the laws of countries other than the United Kingdom and those who choose to access this site from other locations are responsible for compliance with local laws if and to the extent local laws are applicable.


These Terms and Conditions and any terms and conditions relating to products or services described in this website shall be governed by and construed in accordance with the laws of England and Wales. Disputes arising in relation to the same shall, unless otherwise expressly agreed, be subject to the exclusive jurisdiction of the courts of England and Wales.




Phone numbers provided only apply to phone calls made from within the UK. Telephone calls using the telephone numbers provided on this website and email correspondence with FORTY3. Creative Media at the email addresses accessible through, or discernible from, this website may be recorded or monitored. By using such communication methods you are consenting to the recording or monitoring of the same.


Scope of Terms


If you apply for any product or service detailed on this website, these Terms and Conditions should be read in conjunction with any other terms and conditions which relate to the specific product or service and, in the event of any contradiction between these Terms and Conditions and the specific terms and conditions relating to such product or service, the latter shall prevail. For the purposes of these Terms and Conditions, product(s) and service(s) shall include, without limitation, any insurance or financial service.


We reserve the right to change these terms and conditions at any time by posting changes on the website. It is your responsibility to review the website terms and conditions regularly to ensure you are aware of the latest terms and conditions. Your use of this website after a change has been posted will be deemed to signify your acceptance of the modified terms and conditions.


We recommend that you print off and retain for your records a copy of these terms and conditions from time to time and a copy of any terms and conditions relating to any product or service which you apply for online, together with any related application form completed and submitted. Any amendment to terms and conditions must be agreed in writing by us, or, if appropriate, by the relevant company with whom you contract.



Complaints Procedure


We strive to provide you with faultless service every time, however we understand that there may be times when you may not be satisfied with the service we provide. Therefore, we have an established complaint's procedure which you may follow to ensure that you receive a timely and satisfactory resolution to your complaint.


How to register a complaint


In the first instance please make contact with our customer service team to give us the opportunity to attempt to find an immediate solution to your issue. If we cannot resolve your complaint over the telephone you can lodge a formal complaint in writing either via our head office postal address or via email to:


How we will deal with your complaint


Our aim is to resolve your complaint as rapidly as possible however it may take us sometime to carry out investigations or look into your complaint properly.


Within 7 working days of receipt of your complaint:


We will write to you acknowledging your complaint and giving you both a case number and the contact details of the names individual who will be dealing with it in order that you have a direct point of contact.


Within 30 days of receipt of your complaint:


We will provide you with a final response, including details of any financial compensation payable to you within 30 days of your complaint.



Privacy Policy


Your privacy is important to us and we are committed to ensuring that information you provide via our site is kept secure and confidential at all times. The way we protect your personal information is no different via our website than if you had shared your data via the telephone or in person. We will not share or disclose your information to other organisations except when we have advised you at the time you have applied for a product or service.


Use of Cookies


Our website uses 'cookies', these are pieces of information which our computer stores on your device. They are used to remember your settings for the website so that you are saved entering your data again when you return to the site.


Cookies are used by many websites and do not cause any harm to your computer and do not contain any information which could be read or understood by others. The cookies we use on our website do not include your name or account numbers.


Our website uses a combination of first and third party cookies as well as temporary and permanent cookies. Cookies are used to collage general information which allows us to tailor the site for individual users and also to plan enhancements to our products and services.


If you do not wish to use cookies when you visit our website you can opt-out when you first visit the site or configure your browser to not accept cookies.


Information Requests


When you request information about our products or services we will only use the information you provide to process your enquiry. Information you provide will be used for the purposes described on the website at the time you submit your information. Further, details of how we use your data can be found in the applicable terms and conditions for associated products and services.

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©2017 FORTY3™. All rights reserved.





P 0161 870 8021


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Privacy Policy & Terms & Conditions





P 0161 870 8021


©2017 FORTY3™. All rights reserved.


Privacy Policy & Terms & Conditions