1. About us
Speedwell Health is a trading style of Nesto Mortgages Ltd (company number 14964264), registered in England and Wales at Grove Chambers, Basecamp, 36 Green Lane, Wilmslow, SK9 1LD. Speedwell Health operates exclusively as an introducer, connecting users with independent, FCA-authorised health insurance advisers. We are not authorised or regulated by the Financial Conduct Authority. We do not provide advice, arrange policies, or handle client money.
2. Acceptance of these terms
By accessing or using this website you agree to be bound by these Terms of Use and our Privacy policy. If you do not agree, you must stop using the website immediately.
3. Our service
Our service is limited to gathering information through our online form, matching you with a suitable independent adviser, and facilitating that introduction. We do not provide financial advice, make personal recommendations, or arrange insurance contracts.
4. Not financial advice
All content on this website — including guides, blog posts, waiting-time data and pricing illustrations — is provided for general information only. Nothing on this website constitutes financial advice, a personal recommendation, or an endorsement of any product or provider.
5. Eligibility
To use our service you must be at least 18 years old, resident in the United Kingdom, provide truthful and accurate information, and use the service for your own personal purposes (or with proper authority where enquiring on behalf of a business).
6. Your obligations
You agree not to: provide false or misleading information; use the website for fraudulent purposes; interfere with the website's security or operation; reproduce or republish content without our written consent; or use automated tools to scrape or harvest content or data.
7. Third-party advisers
The advisers we introduce you to are independent and FCA-regulated. They are not our agents, employees or representatives. We accept no liability for the services they provide, the suitability of their recommendations, their fees, or any loss arising from your dealings with them. If you have a complaint about an adviser, raise it with the adviser first; if it is not resolved, you may be able to refer it to the Financial Ombudsman Service.
8. Limitation of liability
The website and our service are provided "as is" without warranties of any kind. To the fullest extent permitted by law, we exclude liability for indirect or consequential loss, and our total aggregate liability to you is capped at £100. Nothing in these terms excludes or limits liability for death or personal injury caused by negligence, fraud, or any other liability that cannot lawfully be excluded.
9. Intellectual property
All content on this website is owned by or licensed to Nesto Mortgages Ltd and protected by copyright and trade mark law. You may view and print pages for personal, non-commercial use. Any other use requires our prior written consent.
10. Website availability
We do not guarantee that the website will be available at all times or free of errors. We may suspend, withdraw or restrict access to all or part of the website without notice, and accept no liability for any resulting loss.
11. Third-party links
Links to other websites are provided for convenience only. We are not responsible for the content, accuracy or availability of any third-party website.
12. Indemnity
You agree to indemnify us and our officers, employees and agents against any claims, losses or costs arising from your misuse of the website, breach of these terms, or violation of any law.
13. Governing law
These terms are governed by the law of England and Wales, and the courts of England and Wales have exclusive jurisdiction over any dispute arising from them.
14. Changes to these terms
We may amend these terms at any time. The "last updated" date at the top shows the latest revision. Continued use of the website after changes constitutes acceptance.
15. Contact us
Email: [email protected] (placeholder — confirmed at launch)
Post: Nesto Mortgages Ltd, Grove Chambers, Basecamp, 36 Green Lane, Wilmslow, England, SK9 1LD
Company number: 14964264