General terms and conditions

This website is owned and maintained by Money Minder Financial Services (UK) Limited.

Nothing within the Money Minder Online website is, or shall be deemed to constitute, financial or other advice or a recommendation to purchase any product or service. Any and all information provided within the website is for general information purposes only. We strongly recommend that you obtain independent professional advice before you purchase any product and/or service via this website.

These terms and conditions detail how you can use the Money Minder website (the "website"). If you use the website you agree to be bound by these terms and conditions. If you do not agree with the terms and conditions, then please do not use this website.

Definitions

• In these terms and conditions, "we" and "us" mean Money Minder Financial Services (UK) Limited whose registered address is The Old Ale House, 41 Boston Road, Sleaford, Lincolnshire, NG34 7ER.

Access to the website and content

• We will endeavour to allow uninterrupted access to the website, but access to the website may be suspended, restricted or terminated at any time. We reserve the right to change, modify, substitute, suspend or remove without notice any information or service on the website from time to time. We assume no responsibility for the content or services of any other websites to or from which the website has links.

Using this website

• We have intended the information, services and products on this website for use by residents of the UK only. The site is not designed or intended for use by residents of any other country. This website is for your non-commercial, personal use only and you must not use the site for business purposes.

Intellectual property

• The copyright and all other intellectual property rights in relation to the material contained in all websites owned or administered by Money Minder Financial Services (UK) Limited, together with the website design, text and graphics, and their selection and arrangement, and all software compilations, underlying source code and software (including applets) belongs to us or our licensors. All rights are reserved. None of this material may be reproduced or redistributed without our prior written permission. You may, however, download or print a single copy for your own non-commercial off-line viewing.
• Other product and company names mentioned on this website are the trademarks or registered trademarks of their respective owners.
• You shall retain ownership of the data you submit to the website. You grant us a world-wide, royalty-free, non-terminable licence to use, keep, share, save, collect, copy, distribute, publish and transmit such data in any manner.

Disclaimer

• To verify our status please refer to the FCA register under FRN 425451.
• The Financial Conduct Authority is the principle regulatory body for Financial Services in the UK. They can be contacted at:
  
  The Financial Conduct Authority
  12 Endeavour Square,
  London,
  E20 1JN
  
  Tel: 020 7066 1000
  Or by visiting their website
• Nothing within the website is, or shall be deemed to constitute, financial or other advice or a recommendation to purchase any product or service. Any and all information provided within the website is for general information purposes only. We strongly recommend that independent professional advice is obtained before you purchase any product and/or service via the website.

Exclusions of liability

• We use reasonable endeavours to ensure that the data on our website is accurate and we will try to correct any errors or omissions as soon as practicable after being notified of them. However, we do not guarantee that the website will be fault free and we do not accept liability for any errors or omissions.
• We do not monitor, verify or endorse information submitted by third party providers for inclusion on the website and you should be aware that such information may be inaccurate, incomplete or out of date. In particular, we do not monitor, verify or endorse the information or quotations collected from the product and service providers as presented to you on the results page. To the extent permitted by applicable law, we disclaim all warranties, terms and representations (whether express or implied) as to the accuracy of any information contained on the website.
• We do not give any warranty that the website is free from viruses or anything else which may have a harmful effect on any technology.
• Due to the nature of electronic transmission of data over the internet, any liability we may have for any losses or claims arising from an inability to access the website, or from any use of the website or reliance on the data transmitted using the website, is excluded to the fullest extent permissible by law.
• Nothing in these terms and conditions excludes or limits our liability for death or personal injury caused by our negligence or for our fraud, or excludes or limits our duties or any liability under the Financial Services and Markets Act 2000, as amended, ("FSMA") or any conduct of business rules or guidelines developed pursuant to FSMA.
• Subject to the liability which we accept above: (a) our aggregate liability to you arising out of or in connection with this agreement or use of the Website shall not exceed £100; and (b) we shall not be liable in contract, tort or otherwise howsoever arising out of or in connection with this agreement or use of the website for any indirect loss*, consequential loss, loss of profits, data, revenue, business opportunity, anticipated savings, goodwill or reputation.
  
  * For losses that were not foreseeable to both parties when the contract was made
  * For losses that were not caused by any breach on part of the supplier
  * For business losses and/or losses to non consumers.
• The above does not affect your statutory rights.

Exclusion of liability for third party providers' products and services

• You can apply for and buy a number of products and services via the website. Please be aware that the majority of products and services that appear on the website are not provided by us and are provided by third parties over whom we do not have control. You should satisfy yourself that you wish to purchase those products or services before contracting with the third parties. We accept no liability for any products or services or information provided by third party providers. The third party providers will be supplying products and services on their own standard terms and conditions and you should check that you agree to those terms and conditions before making an application for financial services products or purchasing other services.
• As you view the website there may be references to specific terms and conditions which apply to certain products or services. In such circumstances, it is your responsibility to refer to such terms and conditions applicable to those offers. These do not affect your Statutory Rights as a consumer.

Your obligations

• We have intended the information, services and products on this website for use by residents of the UK only. The site is not designed or intended for use by residents of any other country. This website is for your non-commercial, personal use only and you must not use the site for business purposes.

• You warrant that you have taken all reasonable precautions to ensure that any data you submit to the website is true and accurate and free from viruses and anything else which may have a contaminating or destructive effect on any part of the Website or any other technology.
• You acknowledge and agree that you will be required to complete a registration process. This includes the creation of a password in order for you to access your Money Minder account; a service on this site you may register to save and access searches you have made on this site and to store personal data.
• You warrant that all information provided on registration to the Money Minder website, and otherwise provided by you on this site, is true, complete and accurate. You agree to immediately inform us if your information changes.
• Any password allocated to, or created by you to enable you to use the services provided by this site shall be kept strictly confidential by you. You agree to keep this password safe and not to disclose it to anyone. You agree to immediately notify us if any unauthorised third party becomes aware of that password. You agree that any person to whom your username or password is disclosed is authorised to act as your agent on this site. You agree to take all steps necessary to prevent unauthorised access to your Money Minder account via any computer used to access your account.

Your telephone calls

• Any telephone calls that you make to us or receive from us may be monitored or recorded. This will help us to train our staff and improve our service to you. A recording will only be used under proper and careful supervision.  

Complaints

• Our aim is at all times to provide you with an excellent service. However, if you are unhappy with our service for any reason, please contact our Money Minder Web Team at our address given above, by telephoning on 01529 300300 or by email at info@money-minder.com.
• We will acknowledge receipt of your complaint, in writing, within five working days and we will inform you of the name or job title of the individual handling the complaint (together with details of our internal complaint handling procedures). We may combine the acknowledgement of the complaint with our final response, but in any event we aim to resolve complaints at the earliest opportunity. When we send a final response, we will inform the complainant of their right to refer the complaint to the Financial Ombudsman Service should they not be satisfied with our final response, and that if they intend to exercise this right that they must do so within six months of the date of that letter. We will enclose a copy of the Financial Ombudsman Services explanatory leaflet when we send the final response.
• If you are unhappy with any product or service that you have been introduced to through any of our channels, we recommend that you approach the provider of that product or service directly and also provide us with a copy of your letter of complaint so that we can also investigate your grievance. If you require any provider's contact details, please contact our Money Minder Web Team who will be happy to assist.
• If we are unable to resolve your complaint through our internal complaints procedure, you may be able to refer it to The Financial Ombudsman Service at South Quay Plaza, 183 Marsh Wall, London, E14 9SR; Telephone: 0845 080 1800; Email: enquiries@financial-ombudsman.org.uk; Website www.financial-ombudsman.org.uk.

Payment

• We will pass your bank details and personal details, as necessary, to the insurance provider, who will take payment for the insurance in accordance with its terms and conditions. We reserve the right to charge you for any handling fees that we or the provider incur in respect of your booking. You will be informed of such charges before they are incurred.
• Payment for other products and services will be made on the relevant provider's website.
• See our Terms of Business for more information.

Data Protection

• We are committed to protecting your privacy. Our privacy practices are set out in our Privacy Policy. We may disclose your details or access your account if required to do so by law, by the Financial Conduct Authority, the Office of Fair Trading or any other applicable regulator, compliance monitor, Governmental or law enforcement agency.

Termination

• We may terminate or suspend your access to the website and the services within it at any time.
• All disclaimers, indemnities and exclusions in these terms and conditions shall survive termination of the agreement between us for any reason.

General

• If any provision of this agreement is held to be unlawful, invalid or unenforceable, that provision shall be deemed severed and where capable the validity and enforceability of the remaining provisions of this agreement shall not be affected.
• If we fail to enforce a right under this agreement, that failure will not prevent us from enforcing other rights or the same type of right on a later occasion.
• We may modify these terms and conditions at any time. Your continued use of the website signifies your acceptance of such modifications.
• Except as set out below in this clause, neither party may assign or transfer any of its rights under these terms and conditions without the prior written consent of the other.
• Unless expressly provided in this agreement, no term of this agreement is enforceable pursuant to the Contracts (Rights of Third Parties) Act 1999 by any person who is not a party to it.

Governing law

• These terms and conditions are governed by and construed in accordance with English law. Any disputes shall be subject to the exclusive jurisdiction of the English courts, to which each party submits.