These Terms & Services govern your use of the Rotten Royals website and the guidance desk described on it. Please read them with the Privacy Policy. If you do not agree, do not use the website or ask us to open an appointment.
Last updated: 29 September 2026.
1. Agreement
By browsing rottenroyals.com, sending a form on these pages, emailing info@rottenroyals.com, booking an appointment, or paying a guidance fee, you agree to these terms. They form a contract between you and Rotten Royals for the use of the website and, where you ask for it, for guidance services.
These terms cover the website, newsletters, appointments, written recaps, and quote-preparation help. They do not become an insurance policy. An insurance contract, if you enter one, is a separate document between you and the insurer that issues it. If that document conflicts with something said on this website, the insurance contract controls the cover, and these terms continue to control only our guidance relationship with you.
If you use the website for a business, a clinic, a workshop, or a household that includes other adults, you confirm that you have authority to share their details and to receive a recap on the matters you describe. You are responsible for telling those people that you have contacted us.
2. Who we are
Rotten Royals is an insurance guidance desk. We explain auto, home, life, health, business, and travel cover in plain language. We help you prepare the facts a quote needs. We write down what was discussed so you can compare it with an offer later.
We are not the insurer. We do not, through this website, bind cover, collect premiums for an insurer, adjust claims, or promise that a claim will be paid. Words such as “insurance,” “policy,” “quote,” and “cover” on these pages describe the subject we help you understand. They do not mean a contract of insurance has been formed with Rotten Royals.
You can reach the desk by email at info@rottenroyals.com during published desk hours, Monday to Friday, 9:00 to 18:00. We do not publish a telephone number or a street address. Please do not send original identity documents unless we have agreed in writing that a particular check is necessary.
3. The service
Guidance is a conversation and a record. Depending on the plan you choose, it may include a question list before the appointment, a meeting of a stated length, a written recap, a checklist for a quote request, and a set number of follow-up replies by email. The pricing page describes the current plans. If we agree a different scope in writing, that writing replaces the plan summary for that appointment only.
We aim to be clear, not to be your only source. You should read the insurer’s quotation, schedule, and exclusions yourself, and you should ask the insurer about anything that still feels unsettled. Our recap is an aid. It is not a substitute for the contract you may sign.
We may decline work that sits outside insurance explanation. We do not give legal advice, tax advice, investment advice, or medical advice. Health insurance conversations are about how a plan may pay. They are not about which treatment you should undergo. Claims conversations explain typical documents and typical edges of cover. They are not a decision on a claim.
Examples, project notes, and testimonials on this website are illustrative composites. They teach the shape of a conversation. They are not case results, not reviews of a named insurer, and not a prediction of what a policy will pay you.
4. Not a policy
Nothing on this website is an offer of insurance, a binder, a cover note, or a confirmation that you are insured. Cover begins only if and when an insurer confirms it in accordance with that insurer’s own rules. Until that happens, you should assume you are not covered for the risk you asked about, even if you have paid a Rotten Royals guidance fee, even if you have completed a form, and even if a page has shown a thank-you message.
Illustrations of limits, deductibles, waiting periods, and exclusions are educational. The version that applies to you is the one printed in the contract you are offered. Wording changes between insurers and between editions. A sentence that was true of a sample wording may be false of the wording in front of you. That is why the recap asks you to check the quote against the notes, not the other way around.
We may mention types of cover that a particular insurer does not sell. Mention is not availability. If a product is withdrawn, restricted, or priced in a way you do not want, that does not make our explanation inaccurate and it does not oblige us to find a replacement product unless the plan you bought from us includes that search and we have agreed to it.
5. Quotes
A “quote” on this website usually means two different things, and we keep them apart. The first is a request that your facts be put in order so an insurer can price a risk. The second is the price the insurer returns. Rotten Royals can help with the first. Only an insurer can issue the second. Any number we show as a guidance fee is the first kind of money: payment for our time. It is never an insurer premium.
Quote requests are only as good as the facts. If a driver is missing, a room is used for business, a trip is longer than the day limit, or a medical history is incomplete, the number that comes back may be wrong or the later claim may be disputed. You agree to answer carefully and to correct us quickly if a recap misstates what you said.
We do not guarantee that an insurer will offer terms, that the terms will match your hopes, or that a premium will be affordable. Refusal, exclusion, or a higher price is a possible and honest outcome. Our job in that case is to help you read the answer, not to force an acceptance.
Timelines depend on the insurer and on how complete your facts are. Desk hours limit when we read email. A message sent on a weekend is not late if we open it on the next working morning. Urgent risks, such as a trip that starts tomorrow or a car you will drive tonight, may not be capable of a careful appointment. We would rather tell you to speak to an insurer directly than pretend a rushed note is guidance.
6. Fees
Guidance fees are displayed on the pricing page in monthly and yearly illustrations. A fee is due as described when you accept a plan. Paying a fee buys the listed appointment, recap, and replies. It does not buy insurance, and it is not credited against a premium unless an insurer separately, and in its own documents, says so. We do not currently offer such a credit.
Yearly payment is a single amount for a year of guidance. It is lower than twelve monthly payments because it is billed once. At the end of the period the plan stops unless you ask to continue. We intend to remind you by email. If a reminder fails, the plan still ends. Silence is not consent to another charge.
If you miss an appointment without notice, the appointment portion of the fee may be treated as used. We will reschedule once, inside the same plan period, when you tell us before the start time that you cannot attend. Follow-up replies that you do not use expire at the end of the plan. They are not refunded as cash.
If we cancel before the appointment because we cannot do the work competently or lawfully, we will not keep a fee for a meeting that did not happen. If a recap has already been delivered and you disagree with its style but not with its accuracy, that disagreement is not by itself a refund event. Tell us what is wrong in fact and we will correct factual mistakes.
Taxes or similar charges, if any apply to a guidance fee, will be shown before you pay. Insurance premium taxes charged by an insurer are the insurer’s affair and are not part of our fee.
7. Appointments
Appointments run on weekdays between 9:00 and 18:00. A booking request on the contact page asks for a date, a time, a coverage topic, and a message. A request is not a confirmed booking until we reply by email and agree the time. Please do not assume a slot is held because a thank-you line appeared on your screen.
You may bring another adult from the household or the business. Please tell us in advance so the time is long enough. We may refuse a recording of the appointment. We will still provide the written recap described in your plan, which is the record we both should rely on.
We can end an appointment that becomes abusive, that asks us to hide a material fact from an insurer, or that asks us to invent an answer. In that case we will confirm the ending by email. Helping someone misstate a risk is not a service we sell.
8. Your information
You agree that the details you submit are true to the best of your knowledge, are yours to share, and are not copied from someone else without their knowledge. Do not send us information about a child unless you are the parent or guardian and the information is needed for a coverage question. Do not send account passwords, full payment card numbers, or copies of identity documents in an ordinary email.
Forms on this static website check entries in your browser. Submitting a form shows an acknowledgement on the page. That action, by itself, does not deliver the text to our desk. If you need a person to read your question, email info@rottenroyals.com or wait for a booking reply path we have confirmed. The Privacy Policy explains how email correspondence is handled.
You must tell us, and you must tell any insurer you approach, if a fact changes before cover is bound: a new driver, a change of use, a cancelled trip, a new diagnosis you are asked to disclose, or a room that starts to hold business stock. Delay can matter. We are not responsible for a fact you kept back.
9. Acceptable use
You may use the website to learn about insurance and to request guidance. You may not use it to break the law, to harass our team, to probe or overload the site, to scrape it in a way that degrades it for others, to post malware, or to submit false statements for the purpose of obtaining cover by deception.
You may not copy our pages and present them as your own advice. You may share a link. Sharing buttons in the header and footer open a third-party window so you can share the page address. You are responsible for what you add to that share.
Do not upload or transmit material that is defamatory, that invades someone else’s privacy, or that you do not have the right to send. We may remove access to a newsletter or refuse an appointment if this section is breached.
10. Intellectual property
The Rotten Royals name, the crown-and-shield mark, page layouts, original text, and original graphics on this website belong to Rotten Royals or are used with permission. You receive a limited, revocable licence to view the pages for your own private or internal business information. You do not receive a licence to resell the text, to train a public model on it as a substitute for this site, or to remove notices.
Photographs are used to illustrate households, homes, travel, clinics, and work. They are not pictures of our clients unless a caption says so. You may not copy them for your own commercial site. Trademarks of insurers are not ours, and we do not claim them. If a name appears in an educational example, it is a composite label, not a statement about a real company or a real family.
If you send us suggestions, you agree we may use the idea to improve the desk without owing a separate fee. We will not publish your story with your name unless you agree in writing.
11. Website tools
Search, sliders, pricing toggles, project filters, accordions, and form checks run in your browser. They can fail if a browser is very old or if scripts are blocked. The underlying pages should still be readable. A failed script does not create a booking and does not change a fee.
The pricing toggle switches monthly and yearly illustrations. It does not take payment. The project filter only shows and hides examples. The quote tabs on the home page do not store a draft for you after you leave the page.
We may withdraw a page, a plan, or a tool. If a paid plan is withdrawn during a period you have already bought, we will finish the recap you are owed or offer a fair alternative of similar scope.
12. Third parties
Links may lead to insurers, email providers, or social networks. Those sites have their own terms. We are not responsible for their content, their uptime, or their treatment of your data. A share link sends the address of our page to the network you choose. It does not send your form entries.
If you instruct us to pass a quote request to a particular insurer, we become a messenger for the facts you approved. The insurer’s privacy notice and application declaration then apply to what they receive. Read those before you tell us to send anything. We will not send a pack you have not had a chance to see.
Font files may be loaded from a font host so the pages match their design. If that host is unavailable, the site falls back to a standard typeface. That does not affect the meaning of these terms.
13. Disclaimers
The website and its examples are provided in good faith and as a general educational and guidance service. Except where a written plan says otherwise, we do not warrant that the site will be uninterrupted, that every sentence is complete for every household, or that a recap predicts an insurer’s decision.
Insurance products change. Laws and market practice change. A page that was careful on the day it was written can become incomplete. The “last updated” line tells you when we last reviewed these terms. Guidance in an appointment is about your facts on that day, which is why the recap is dated in the email we send.
To the extent the law allows, implied warranties that do not fit a guidance website are excluded. Nothing in these terms excludes liability that cannot legally be excluded, including liability for fraud or for death or personal injury caused by negligence where such an exclusion would be unlawful.
14. Liability
Our responsibility matches the role we actually have. We are responsible for providing the guidance described in the plan you bought, with reasonable care. We are not responsible for an insurer’s decision, for a premium, for a claim outcome, for a loss that occurs while you are uninsured, or for a fact you did not tell us.
We are not liable for indirect or consequential loss, such as lost profit, a missed trip, or a business interruption, arising from the use of the website or from a delay in email, except where the law does not allow that limit. Where a limit is allowed, our total liability arising out of a plan is capped at the guidance fees you paid us for that plan in the three months before the claim against us arose.
You should keep your own copies of quotes, schedules, and our recap. We are not your archive. If an email is lost, tell us while the plan’s follow-up replies are still available and we will resend what we still hold.
15. Indemnity
If you provide false information, share someone else’s data without authority, or use the website in breach of these terms, you will cover Rotten Royals for the losses and reasonable expenses that follow from that breach, including the cost of correcting a quote request that was sent on the strength of what you told us. This section does not apply to the extent the loss was caused by our own negligence or wilful misconduct.
This indemnity is not an invitation to hide a dispute. Write to us first. Many problems are a misstated room, a missing driver, or a date error, and those can be corrected if they are caught before an insurer relies on them.
16. Suspension
We may suspend newsletter mailings, form acknowledgements, or appointments if we reasonably believe the service is being misused, if a payment for a fee fails, or if we must pause to fix the site. A suspension of the public website does not erase a recap already delivered. We will try to give email notice when a paid appointment must move.
You may stop using the website at any time. You may unsubscribe from notes on the unsubscribe page. Ending a newsletter does not end a guidance plan. Ending a guidance plan does not cancel an insurance policy. Those are separate relationships, and each must be ended in its own way.
17. Changes
We may update these terms as the desk changes. The page will carry a new date. For an existing paid plan, the terms in place when you bought that plan apply to that plan, unless a change is required by law or is clearly in your favour, such as an extra included reply. Continued use of the public website after the date of an update is acceptance of the updated website terms.
Plan prices on the pricing page can change for future periods. A price already agreed for a current period stays as agreed. We will not quietly raise a yearly fee in the middle of the year you have paid.
18. Other terms
If a court holds that one section of these terms cannot be enforced, the other sections remain. A delay in enforcing a right is not a waiver. These terms are the whole agreement for the website and for guidance plans, aside from a plan confirmation we email you and aside from any insurance contract you sign with an insurer.
You may not transfer your rights under a guidance plan without our written agreement, because the plan is built around your facts. We may assign the operation of the desk to a successor who takes on these duties, and we will tell active clients by email if that happens.
Notices to you may be sent to the email address you gave us. Notices to us should be sent to info@rottenroyals.com with a subject line that begins “Terms”. Please keep a copy. We are not required to accept notice by any channel we have not published.
These terms are written in English. If we ever provide a translation, the English version is the one that decides a conflict between texts. Headings are for convenience and do not change the meaning of a section.
19. Contact about these terms
Questions about these Terms & Services can be sent to info@rottenroyals.com. Please describe the page and the sentence you are asking about. We answer during desk hours. A question about a policy you hold with an insurer should also be sent to that insurer, because we cannot amend their contract.
Thank you for reading this far. Insurance is full of documents that people skip. We would rather you argue with a sentence now than discover it later. If a section of these terms is unclear, that is a useful email, and we will either explain it or rewrite it.