Terms & Conditions
Last updated: 2026
1. About Us
This website is operated by GCB Merchants Limited, trading as LifeWise Quotes.
Company number: 600361
Registered address: Lavarna, Newtown Platin, Drogheda, Co. Meath, Ireland
LifeWise Quotes is a lead-generation and comparison service. We do not provide financial advice and are not authorised or regulated by the Central Bank of Ireland.
2. Use of This Website
By accessing or using this website, you agree to be bound by these Terms & Conditions.
If you do not agree, you must not use the website.
You agree to use this website only for lawful purposes and not to:
misuse or interfere with the site,
attempt unauthorised access,
scrape, automate, or copy content without permission.
3. No Financial Advice
All information provided on this website is for general information purposes only.
LifeWise Quotes:
does not provide financial, investment, tax, or insurance advice;
does not recommend specific products;
does not make decisions on your behalf.
Any decision you make should be based on advice received from a regulated financial advisor or broker.
4. Our Role as an Introducer
LifeWise Quotes acts solely as an introducer.
When you submit your details:
we may pass your information to independent, regulated financial advisors or brokers;
those third parties are responsible for any advice, recommendations, or contracts you enter into.
Once your data is shared, those advisors or brokers typically act as independent Data Controllers, subject to their own terms and privacy policies.
5. Accuracy of Information
While we aim to keep information accurate and up to date:
we make no guarantees as to accuracy, completeness, or suitability;
content may change without notice.
The website is provided on an “as is” and “as available” basis.
6. Limitation of Liability
To the maximum extent permitted by law, GCB Merchants Limited shall not be liable for:
any loss arising from reliance on website content;
any loss resulting from decisions made based on information obtained through the site;
the actions, advice, or services of third-party advisors or brokers;
indirect or consequential loss, including loss of data or business opportunity.
Nothing in these terms limits liability where it cannot be excluded under Irish law.
7. Intellectual Property
All content on this website — including text, graphics, logos, and layout — is owned by or licensed to GCB Merchants Limited.
You may view and print pages for personal use only.
You may not reproduce, distribute, or commercially exploit any content without prior written permission.
8. Third-Party Links
This website may contain links to third-party websites.
We are not responsible for their content, availability, or privacy practices.
Accessing third-party sites is at your own risk.
9. Privacy & Cookies
Your use of this website is also governed by our Privacy Policy and Cookie Policy, which explain how personal data is collected and used.
10. Changes to These Terms
We may update these Terms & Conditions at any time.
Continued use of the website constitutes acceptance of the updated terms.
11. Governing Law
These Terms & Conditions are governed by the laws of Ireland.
Any disputes shall be subject to the exclusive jurisdiction of the courts of Ireland.
This is an independent website, targeted at consumers in Ireland and created to help users find appropriate quotes for their circumstances. By using this website, you agree to the terms & conditions of the website. This website is free to use but to operate this website we may receive a fee from the provider or intermediary we refer you to. By submitting your details, you agree to be contacted for the purpose of putting you in contact with a financial advisor to get you a customised quote. If the product is regulated by the Central Bank of Ireland, we will put you in contact with our financial advisor partners (listed here), who are regulated by the Central Bank of Ireland.
The content of this website does not constitute financial advice and is provided for general information purposes only. We take care to make sure that the information and material appearing on this website is accurate and up-to-date but know errors and omissions may occur and you should not take the accuracy of the information and material for granted or rely upon it as a statement or representation of fact.
* Premiums are subject to individual status and medical underwriting. Other factors such as health and lifestyle might also impact the cover amount and premiums.
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