Terms and Conditions
Last updated: 02/09/2026
These terms and conditions govern your use of the Red Ruby Financial website (redrubyfinancial.co.uk). By using this site, you accept these terms in full. If you disagree with any part of these terms, please don’t use our website.
1. About Us
Red Ruby Financial Ltd is directly authorised and regulated by the Financial Conduct Authority, entered on the Financial Services Register under number 822808. Registered in England and Wales, company number 11533510. Registered office: 15 Front Street, Sherburn Hill, Durham, DH6 1PA.
2. Use of This Website
This website is provided for general information about our services and to allow you to request quotes. You must use this site only for lawful purposes and in a way that doesn’t infringe the rights of, or restrict or inhibit the use of, this site by anyone else.
3. No Advice From the Website Itself
The content on this website is for general information only and doesn’t constitute financial or insurance advice. Any advice we provide is given individually by one of our advisers, based on your personal circumstances, and only after you’ve spoken with us directly.
4. Quotes and Applications
Any quote provided through this website is indicative only and subject to underwriting by the relevant insurance provider. A quote isn’t a guarantee of cover, and final terms may differ based on the information you provide during the application process.
5. Intellectual Property
All content on this website, including text, graphics, logos, and images, is owned by or licensed to Red Ruby Financial Ltd and is protected by copyright and other intellectual property laws. You may not reproduce, copy, or redistribute any content from this site without our prior written permission.
6. Third-Party Links
Our website may contain links to third-party websites, including insurance providers. We aren’t responsible for the content or privacy practices of any third-party sites, and including a link doesn’t imply our endorsement.
7. Limitation of Liability
We take reasonable care to ensure the information on this website is accurate, but we make no warranties about its completeness or accuracy. We aren’t liable for any loss or damage arising from your use of this website, to the extent permitted by law. Nothing in these terms limits our liability for matters that can’t legally be excluded, such as death or personal injury caused by our negligence, or liability arising under FCA rules.
8. Cookies and Privacy
Our use of your personal information and cookies is set out in our Privacy and Cookies Policy [link], which forms part of these terms.
9. Changes to These Terms
We may update these terms from time to time. Continued use of the website after any changes means you accept the updated terms.
10. Complaints
If you have a complaint about our service, please see our Complaints page [link] for details on how to raise this and what happens next.
11. Governing Law
These terms are governed by the laws of England and Wales, and any disputes will be subject to the exclusive jurisdiction of the courts of England and Wales.
12. Contact Us
Email: admin@redrubyfinancial.co.uk
Phone: 03332 421 647
Post: 15 Front Street, Sherburn Hill, Durham, DH6 1PA
