Last updated: March 2026
This website is operated by Cogotec Ltd, an insurance intermediary registered in Hong Kong (company number 3185512), registered office Rooms 1703-1704, 17/F, Tung Chiu Commercial Centre, Hong Kong. "HealthiNomad" is a trading name of Cogotec Ltd. Use of this website is subject to all of the Terms set out below. By using this website, you will be deemed to have accepted and agreed to be bound by these Terms of Use. This website uses cookies. By using this website and agreeing to these Terms of Use, you consent to our use of cookies in accordance with the terms of our Privacy Policy. If you choose a Product through this website, you will also be subject to the Provider's Terms of Use and Privacy Policy (which may be different from ours) and you should read those carefully.
In these Terms of Use: "Product" means any third party product or service that we display on this website; "Website" means any mobile applications or other similar devices, channels or applications operated by or on behalf of Healthinomad; "You" and "Your" means any person who accesses and uses this website; "We", "Us" and "Our" means any representative of Healthinomad; and "Providers" are third party providers of the Products and Services featured on this website.
We reserve the right to amend these Terms of Use without notice by any reasonable means including by amending this page. The amended Terms of Use will be effective from the date they are posted on this website. As these Terms of Use may be amended from time to time, you should check them whenever you visit this website. By continuing to use this website you are accepting the amended Terms of Use.
We provide an independent online service, which enables you to research and compare savings, pensions, insurance and other Products or Services provided by third parties and make a decision based on those comparisons. There is no charge for this service.
Your use of this website is conditional on your compliance with the rules of conduct set forth in these Terms of Use and you agree that you will not: a. Use this website other than for your personal, non-commercial purposes; b. Use this website for any unlawful or fraudulent purpose; c. Use this website to harm, threaten, abuse, embarrass, defame, libel, intimidate or harass another person, or otherwise violate the rights of others; d. Use this website to impersonate any person or entity, falsely state or otherwise misrepresent your affiliation with any person or entity; e. Use this website to create, check, confirm, update, modify or amend another person's records; f. Use this website to tamper with, modify, reverse engineer or amend any part of this website; g. Use this website to interfere with or disrupt the operation of this website or the servers or networks used to make this website available; h. Use this website in a way that interferes with, disrupts or imposes an unreasonable or disproportionately large burden on our communications and technical systems; i. Expose this website to any automated software, process, program, robot, web crawler, spider, data mining, trawling or other "screen scraping" software; j. Remove any copyright, trade mark or other proprietary rights notice from this website; k. Operate a link to this website in such a way as to suggest or imply any form of association, approval or endorsement by us; l. Send any unsolicited or unauthorised advertising, promotional materials, 'junk mail', 'spam', 'chain letters' or any other form of such solicitation; or m. Post links to alternative community groups or forums except with our prior written consent.
The trademarks, copyright, database rights and other intellectual property rights in this website and in the information, content, material or data that we display on this website belong to us or our licensors and all such rights are reserved. No permission is given for any of the materials provided on this website to be copied, reproduced, distributed, republished, downloaded, displayed, posted or transmitted, in any form or means without prior express written permission. All rights in Healthinomad are owned by us.
Your use of any Provider websites and your obtaining of any Products will be subject to the Provider's own Terms and Conditions (which may be different from ours). This includes but is not limited to the Provider's Terms and Conditions and any other documentation that applies to the Product. You must familiarise yourself with all the details of the Product. Any links to third party websites on this website or in our emails are provided for your interest and convenience only. These websites are owned and operated by third parties over whom we do not have control.
We are responsible for ensuring that we accurately reflect product or service quotes via our aggregator comparison technology. We are also responsible for statements of fact made to you by us and protecting your data in accordance with data protection legislation. We aim to ensure that the material on this website is accurate. However, we are not able to guarantee that the material on this website is accurate and free from errors or omissions at all times. We reserve the right to add, amend, delete, edit, remove or modify any information, content, material or data displayed on this website at any time and without notice. We do not provide financial, investment or other advice in relation to the Products or Services compared, nor do we provide a recommendation of any particular Product or Service. You should not make any decision based on the information provided on this website without undertaking independent due diligence.
The Products displayed on this website are not provided by us but by third parties over whom we do not have control. You should always check the suitability, adequacy and appropriateness of any Product that is of interest to you. If you are in any doubt as to the suitability, adequacy or appropriateness of any Product referred to on this website, we suggest that you seek independent professional advice before you obtain it.
We will use reasonable efforts to ensure that this website is available at all times. However, we cannot guarantee that this website or any individual function or feature of this website will always be available and/or error free. In particular, this website may be unavailable during the implementation of upgrades to or the carrying out of essential maintenance.
To the maximum extent permitted by law, we expressly exclude all conditions, warranties and other terms that might otherwise be implied by law into these Terms of Use; and any and all liability to you, whether arising under these Terms of Use or otherwise in connection with your use of this website. Nothing in these Terms of Use is intended to exclude or limit any liability that may not by law be excluded or limited, and in particular none of the exclusions and limitations in this clause are intended to limit any rights you may have as a consumer under local law or other statutory rights which may not be excluded, nor in any way to exclude or limit liability to you for death or personal injury resulting from our negligence or that of our employees or agents.
Without prejudice to our other rights under these Terms of Use, if you breach these terms of use in any way, we may deal with the breach as we deem appropriate, action including but not limited to: suspending your access to this website; prohibiting you from accessing this website; blocking computers using your IP address from accessing this website; contacting your internet service provider to request that they block your access to this website and/or bringing court proceedings against you. You hereby indemnify us and undertake to keep us indemnified against any losses, damages, costs, liabilities and expenses incurred or suffered by us arising out of any breach by you of any provision of these Terms of Use.
If any provision of these Terms of Use is held to be unlawful, invalid or unenforceable, that provision shall be deemed deleted from these Terms of Use and the validity and enforceability of the remaining provisions of these Terms of Use shall not be affected. These Terms of Use constitute the entire agreement between you and us relating to your access to and use of this website and supersede any prior agreements. These Terms of Use are not intended to benefit any third party or be enforceable by any third party. No failure or delay by us in exercising any right under these Terms of Use will operate as a waiver of that right nor will any single or partial exercise by us of any right preclude any further exercise of any right.