Last updated: 23 January 2026
Ratechecker is a trading name of Layopay Limited (company number 14517140), registered at Fulford House, Newbold Terrace, Leamington Spa, Warwickshire, United Kingdom, CV32 4EA.
This page contains:
By using Ratechecker, you agree to all.
This summary is for convenience only. The full legal terms apply below.
By accessing or using Ratechecker, you agree to these terms.
PLEASE READ THESE TERMS CAREFULLY BEFORE USING RATECHECKER.
By accessing or using the Ratechecker website or platform ("Platform"), you agree to be bound by this End User Licence Agreement ("Licence").
If you do not agree, you must not use the Platform.
You must be 18 years or over to use Ratechecker.
1.1 This Licence is a legally binding agreement between you ("you") and Layopay Limited trading as Ratechecker ("Ratechecker", "we", "us").
1.2 We license you to use:
2.1 We grant you a non-exclusive, non-transferable, revocable licence to use the Platform in the United Kingdom for lawful purposes.
2.2 You may use the Platform to:
2.3 You acknowledge that:
3.1 Comparisons, quotes and savings figures are indicative only.
3.2 We rely on information provided by you and third parties and do not guarantee accuracy, completeness or timeliness.
3.3 We are not responsible for:
Your statutory rights are not affected.
You must not:
You are responsible for all activity carried out using your access credentials.
The Platform is intended for use by business owners or authorised representatives only.
You may not resell, white-label or commercially exploit Ratechecker without our prior written consent.
We may update, modify, suspend or withdraw any part of the Platform at any time.
We do not guarantee uninterrupted or error-free access.
All intellectual property rights in the Platform, Documents and Service belong to Ratechecker or its licensors.
No rights are transferred to you other than the licence expressly granted under this Licence.
Use of the Platform is subject to our Privacy Policy, set out below.
You grant us a non-exclusive, royalty-free licence to use anonymised and aggregated data derived from your use of the Platform for analytics, benchmarking and product improvement.
9.1 The Platform is provided "as is" and for general information purposes only.
9.2 We are liable only for foreseeable loss caused by our breach of this Licence or failure to exercise reasonable care and skill.
9.3 We are not liable for:
9.4 Our total liability under this Licence is limited to £100, except where liability cannot be limited by law.
9.5 Nothing in this Licence limits liability for death or personal injury caused by negligence, fraud or fraudulent misrepresentation.
You agree to indemnify and hold harmless Layopay Limited, its officers, employees and contractors from any losses, liabilities, damages, costs or expenses arising out of:
We may suspend or terminate your access if you materially breach this Licence.
On termination, all rights to use the Platform cease immediately.
This Licence is governed by English law.
The courts of England and Wales have exclusive jurisdiction.
Last updated: 23 January 2026
Ratechecker is a trading name of Layopay Limited ("we", "us", "our").
We are committed to protecting your personal data.
This policy explains how we collect and process personal data when you visit https://www.ratechecker.io.
This policy applies to personal data collected through the Ratechecker website only.
Layopay Limited (t/a Ratechecker) is the data controller under UK data protection law.
Layopay Limited (t/a Ratechecker)
Fulford House, Newbold Terrace
Leamington Spa, Warwickshire, CV32 4EA
📧 privacy@ratechecker.io
We may collect:
We also use aggregated and anonymised data, which is not personal data.
Failure to provide required data may prevent us from delivering services.
We use cookies to improve functionality and analyse usage.
You can manage cookies via your browser settings.
We process data lawfully for:
We generally rely on legitimate interests, unless consent is required.
You may opt out of marketing at any time.
We may share data with:
All recipients must protect your data appropriately.
Where data is transferred outside the UK or EEA, appropriate safeguards are applied.
We use technical and organisational measures including access controls, encryption and secure hosting.
Data is retained only as long as necessary for legal, regulatory and business purposes.
Data may be anonymised for research or analytics.
You have the right to:
Requests: privacy@ratechecker.io
We are not responsible for third-party websites or their privacy practices.
We may update this policy from time to time.
The latest version will always appear on our website.
You may complain to the Information Commissioner's Office (ICO) at https://www.ico.org.uk
Please contact us first so we can try to resolve the issue.