Terms of service.

Kale is a trading name of Athlete Life Ltd, a company registered in England and Wales (company number 14887622) with its registered office at 104 West End Avenue, Harrogate HG2 9BY.

Athlete Life Ltd is an Introducer Appointed Representative of Best Insurance Limited, which is authorised and regulated by the Financial Conduct Authority (FCA reference 312345). You can check this on the FCA register at register.fca.org.uk.

Kale does not provide financial, medical, or legal advice. We help you obtain a quote and introduce you to Best Insurance, who underwrite and administer the policy.

By creating an account, completing a quote, or otherwise using the Service you confirm that you have read, understood, and agree to be bound by these terms and our Privacy Policy.

If you do not agree to these terms, you must not use the Service.

To use the Service you must:

• Be aged 18 or over.
• Be a resident of the United Kingdom.
• Have the legal capacity to enter into a binding contract.
• Provide accurate, current, and complete information when prompted.

Insurance products available through Kale are only offered to UK residents and are subject to the eligibility, underwriting, and acceptance criteria of Best Insurance.

You are responsible for keeping your account credentials secure and for all activity that takes place under your account. Notify us immediately at our contact form if you suspect unauthorised access.

You agree to provide accurate information and to keep it up to date. Providing false or misleading information may invalidate your quote, your policy, or both.

You may close your account at any time from the app settings or by emailing us. We may suspend or terminate your account if you breach these terms, attempt to defraud us, or use the Service unlawfully.

The Service includes:

• An online quote flow that calculates a personalised life-insurance indication.
• Optional connections to fitness trackers (Strava, Garmin) to verify your activity data.
• A Longevity Level score and ongoing tracking through the Kale app.
• Kale Points earned through verified healthy activity, redeemable in our marketplace.

We may add, change, or remove features from time to time. We will give reasonable notice of material changes that affect how you use the Service.

The Service is provided “as is”. We do not guarantee that it will always be available, error-free, or uninterrupted.

Life insurance policies offered through Kale are provided and underwritten by Best Insurance. The policy contract is between you and Best Insurance — Kale is not a party to it.

Your policy is governed by the policy documents (including the Insurance Product Information Document and Policy Wording) provided to you by Best Insurance. In the event of any conflict between these terms and the policy documents, the policy documents take precedence in respect of the insurance contract.

Claims are handled by Best Insurance. See the Contact section below or your policy documents for claims contact details.

Your Longevity Level is calculated from the data you provide and, where you connect them, verified activity records from third-party fitness platforms. The premium discount you receive is based on your verified Longevity Level at the point of purchase.

Discounts are subject to the terms of your policy. Failing to maintain the activity levels associated with your Longevity Level does not increase your premium during the policy term, but may affect future renewals or new policies.

We use objective, verifiable data to calculate Longevity Level.

Kale Points are a loyalty currency earned through verified healthy activity. They have no cash value, cannot be transferred, sold, or exchanged for cash, and are redeemable only in the Longevity Marketplace.

Rewards are subject to availability. Specific products, partners, and redemption rates may change without notice.

We may suspend or cancel Kale Points obtained through fraud, error, or activity that breaches these terms. Points expire 24 months after the date they were earned if your account remains inactive.

Using the Kale website and app is free of charge. Insurance premiums are payable to Best Insurance under the terms of your policy.

Premiums are typically collected by Direct Debit. You authorise the relevant payments by entering your bank details and confirming the Direct Debit Mandate. The Direct Debit Guarantee applies.

If a premium payment fails, Best Insurance will contact you. Repeated non-payment may result in cancellation of cover in accordance with the policy terms.

You have a 30-day cooling-off period from the start of your policy during which you may cancel for any reason and receive a full refund of premiums paid, provided no claim has been made.

After the cooling-off period you may cancel at any time. Cover ends on the date Best Insurance receives your cancellation request. No refund is due for premiums covering periods before cancellation.

You can close your Kale account at any time. Closing your account does not, on its own, cancel your insurance policy — please contact Best Insurance to do that.

You agree not to:

• Use the Service for any unlawful, fraudulent, or harmful purpose.
• Submit false, misleading, or inaccurate information.
• Attempt to manipulate your Longevity Level (for example by faking activity, using another person's tracker, or using bots or scripts to generate activity data).
• Attempt to gain unauthorised access to the Service, our infrastructure, or another customer's account.
• Reverse-engineer, decompile, or copy the Service except as permitted by law.
• Use the Service to send unsolicited communications, spam, or malware.

Breach of this section may result in suspension or termination of your account, voiding of any quote or policy, and where appropriate referral to law enforcement.

All content on the Service — including text, graphics, logos, the Kale name, software, and the Longevity Level methodology — is owned by Athlete Life Ltd or its licensors and is protected by UK and international intellectual-property laws.

We grant you a limited, non-exclusive, non-transferable, revocable licence to use the Service for your personal, non-commercial use. All other rights are reserved.

You retain ownership of any data you provide to us. You grant us a licence to use that data as needed to operate the Service and as set out in our Privacy Policy.

Nothing in these terms limits or excludes our liability for death or personal injury caused by our negligence, for fraud or fraudulent misrepresentation, or for anything else that cannot be limited or excluded under English law.

Subject to that, our total liability to you for any claim arising out of or in connection with the Service is limited to £100 or the total fees paid by you to Athlete Life Ltd in the 12 months preceding the claim, whichever is greater. (Note that in most cases there are no fees payable to us — premiums are paid to Best Insurance.)

We are not liable for any loss or damage that is not foreseeable, that you could have avoided with reasonable care, or that is caused by Best Insurance, by third-party services (e.g. Strava, Garmin, Stripe), or by your own breach of these terms.

We are not liable for the conduct of insurers, marketplace partners, or other third parties. Their products and services are governed by their own terms.

If you have a complaint, please contact us at our contact form. We will acknowledge your complaint within 3 working days and aim to provide a final response within 8 weeks.

If you are not satisfied with our final response, or if 8 weeks have passed without one, you may refer your complaint to the Financial Ombudsman Service at financial-ombudsman.org.uk or by phone on 0800 023 4567. This service is free.

Complaints about your insurance policy itself should be directed to Best Insurance using the contact details in your policy documents.

We may update these terms from time to time. The “Last updated” date at the top of this page reflects the most recent change.

We will notify you of material changes by email (if you have an account) or by posting a prominent notice on our website at least 30 days before they take effect.

Continuing to use the Service after a change takes effect means you accept the revised terms. If you do not accept them, you should stop using the Service and, if you wish, close your account.

These terms, and any dispute or claim arising out of or in connection with them, are governed by the laws of England and Wales.

You and we agree that the courts of England and Wales have exclusive jurisdiction to settle any such dispute or claim, except that if you live in Scotland or Northern Ireland you may bring proceedings in your local courts.

If any part of these terms is found to be unenforceable, the rest remains in full force.

Questions about these terms? Email our contact form or write to Athlete Life Ltd, 104 West End Avenue, Harrogate HG2 9BY.