Terms & Conditions

These Terms & Conditions ("Terms") govern your use of the My Portal mobile apps, this website, and any related services (together, "the Service") operated by Open Comparison Ltd, a company registered in England and Wales ("we", "us", "our"). By creating an account or using the Service, you agree to these Terms. If you don't, please don't use the Service.

1. What My Portal is

My Portal is a personal-organisation tool that helps you keep insurance policies, bills, vehicles, homes, pets, family members, and other personal information together in one place. It includes:

• Automatic syncing of policies held with our broker partners
• Manual entry of anything else you want to track
• Renewal and payment reminders
• The Broll-e AI assistant for answering questions
• Tools to make policy changes, view documents, and pay outstanding balances where supported

My Portal is not an insurer or broker. We do not provide insurance cover. Cover is provided by the regulated insurers and brokers whose products you hold. Our Service is a digital interface that helps you manage those products — it does not replace your policy wording, certificate of insurance, or your relationship with the underwriter.

2. Eligibility

You must be at least 18 years old and a UK resident to use My Portal. By using the Service you confirm both are true.

3. Your account

• You're responsible for the security of your sign-in email and any biometric authentication you set up. Don't share access
• You agree to give us accurate information, and to keep it accurate (e.g. update your address if you move)
• One person, one account. Don't create accounts on behalf of others without their permission
• We may suspend or close your account if you breach these Terms, attempt to abuse the Service, or where required by law

4. Broll-e — what to expect, and what to never expect

Broll-e is an AI assistant. It can help you understand your policies, navigate the app, and answer general questions about insurance and household admin.

Broll-e is not infallible, and you must not treat it as authoritative. AI assistants can make mistakes, including:

• Getting policy details wrong, especially around edge cases or recent changes
• Misinterpreting your question
• Producing confident-sounding answers that turn out to be inaccurate
• Missing context that a human adviser would catch

You are responsible for verifying anything Broll-e tells you before acting on it. The authoritative sources are:

• Your policy wording, certificate, and IPID documents — for what is and isn't covered
• Your insurer or broker — for claims, changes, and policy questions
• A qualified solicitor, accountant, or financial adviser — for legal, tax, or financial advice

We accept no responsibility for losses arising from acting on Broll-e's answers without verifying them independently. We exclude liability for AI output to the fullest extent permitted by law. This does not affect your statutory rights as a consumer.

5. Policy data and broker partners

When the Service displays policy information synced from a broker partner, that information is provided by the broker, not by us. We make reasonable efforts to display it accurately and on time, but:

• There may be delays of a few minutes to a few hours between an event happening (e.g. a payment being taken) and it appearing in the Service
• If broker data is incorrect, we cannot correct it on their behalf — contact the broker directly
• We do not guarantee the continuous availability of any third-party data feed

6. Payments

Payments processed through the Service (one-off top-ups, mid-term change fees, missed-payment catch-up) are handled by our payment partners (Apple Pay, Stripe, Close Brothers Premium Finance, PremFina). We never store raw card details. Their terms apply to those transactions in addition to ours.

You're responsible for ensuring you have sufficient funds when a scheduled payment is due. Failed payments may affect your cover — see your policy wording for the consequences specific to your insurer.

7. Notifications

Push notifications, SMS, and email reminders are provided on a best-effort basis. They are not a guaranteed delivery mechanism. Don't rely on My Portal as your only source of truth for renewal dates — always confirm with the policy documents themselves.

8. Acceptable use

You agree not to:

• Use the Service for any unlawful purpose
• Attempt to access another user's account or data
• Reverse-engineer, decompile, or scrape the Service except where UK law permits
• Submit malicious content, including malware or phishing material, through any feature of the Service
• Resell, sublicense, or otherwise commercially exploit the Service

9. Intellectual property

The Service, including its design, code, content (other than your personal data), branding, and the Broll-e name, is owned by us or licensed to us. You may use the Service for personal, non-commercial purposes; no other rights are granted.

10. Service availability

We aim for the Service to be available 24/7, but we don't guarantee uninterrupted access. We may take it offline for maintenance, security work, or to address legal requirements. We try to give advance notice where reasonable.

11. Limitation of liability

To the extent permitted by law:

• We accept no liability for losses caused by inaccurate data supplied to us by your broker or insurer
• We accept no liability for losses arising from AI assistant output — see section 4
• We accept no liability for indirect, incidental, or consequential losses
• Our total liability to you in any 12-month period is capped at £100 (or the value of any fees you've paid us in that period, whichever is greater)

Nothing in these Terms excludes or limits our liability for death or personal injury caused by our negligence, for fraud, or for anything else that cannot be lawfully excluded.

If you're a consumer, these Terms don't affect your statutory rights under the Consumer Rights Act 2015 and the Financial Services and Markets Act 2000.

12. Termination

You can close your account at any time from Profile → Settings → Delete account. We can suspend or close your account if you breach these Terms, abuse the Service, or where required by law. Closing your account does not cancel any insurance policies you hold — contact your broker directly to do that.

13. Changes to these Terms

We may update these Terms from time to time. Material changes will be highlighted in-app or by email at least 14 days before they take effect. Continuing to use the Service after that date means you accept the new Terms. If you don't agree, close your account before the new Terms take effect.

14. Governing law and jurisdiction

These Terms are governed by the law of England and Wales. Any disputes arising will be resolved in the courts of England and Wales, save that if you live in Scotland or Northern Ireland you may bring proceedings in your local courts.

15. Contact

Open Comparison Ltd · Registered in England & Wales

The fastest way to reach us is to tap Speak to the team inside the My Portal app — general enquiries, privacy, security, and legal questions all route from there. You can also use the support form on this website.