Terms & Conditions

By using the website you are agreeing to be bound by these terms and conditions.

You must be at least 18 years of age to use our website. By using our website and by agreeing to these terms of and conditions you warrant and represent that you are at least 18 years of age.

1. General terms and conditions

(a) In these terms and conditions: "we", "us" and "our" refer to Moneybrain Limited trading as moneybrain.com, a company authorised and regulated by the FCA (Financial Conduct Authority); "website" means the website available at moneybrain.com (or any successor website operated by us from time to time); "member" means an individual who has registered as a member of the website; "experts" means website members who represent a third party financial company or organisation and "your content" means testimonials and any other content that you submit to the website or to us or to an employee of ours, either directly via the website or by email, fax, letter or any other means.

(b) The moneybrain.com website provides information and comparison services in relation to consumer products and services. We do not charge for this service. Instead, we may receive fees from suppliers of products and services.

(c) We reserve the right to change, modify, replace or remove any information or service provided by the website without notice as we see fit.

(d) Access to certain areas of and functionality on our website is restricted to registered users. We reserve the right to restrict access to other areas of our website, or indeed our whole website, at our discretion.

(e) If you register with us, you will choose or be allocated a user ID and password to access your account on the website. You must keep your password confidential. We may disable your account at any time in our sole discretion without notice or explanation.

2. Links to other financial websites.

(a) Moneybrain.com contains information about and links to other third party websites. We are not in any way responsible for the information supplied by third parties or services the may offer. (b) Any arrangements between you and any third party contacted via the website are at your sole risk.

3. Moneybrain Financial information disclaimer

(a) Moneybrain provides comparison services in relation to insurance, mortgage, loan and Investment services. Moneybrain Ltd does not provide financial advice, advice concerning particular investments or investment decisions, or tax or legal advice. Nor do we recommend particular products or services. You should take professional financial advice in connection with, or independently research and verify, any information that you find on our website and wish to rely upon, whether for the purpose of making an investment decision, a purchase or otherwise.

(b) The information on the Moneybrain website about particular products and services is provided by third parties. We act as an aggregator of such information provided by these third parties. And we will not be liable in respect of any losses you may suffer arising out of any transactions you undertake with these third parties.

(c) With regards to any investments you make as a result of using our aggregation service, your capital is at risk. the value of investments can go down as well as up and you may not get back the amount invested. Past performance is not necessarily a guide to future performance.

(d) Lenders may carry out a soft search credit check to see if you are likely to be accepted for a financial product. A soft search credit check does not affect your credit score.

4. Our content

(a) The content, design, software, databases, text, graphics and all other material on the website is owned by us or our licensors and protected by copyright.

(b) You may use the website for your own individual, non-commercial use. Aside from this none of the content, design, software, text, graphics or other material used on the website may be reproduced, modified or redistributed without our prior and explicit written permission. You must not use this website for any commercial purpose without our express written consent.

(c) We do not make any recommendation or endorsement as to any experts, investments or to any content submitted by third parties or linked to our website.

6. Limitations and exclusions of liability

(a) Nothing in these terms and conditions will: (i) limit or exclude our or your liability for death or personal injury resulting from negligence; (ii) limit or exclude our or your liability for fraud or fraudulent misrepresentation; (iii) limit any of our or your liabilities in any way that is not permitted under applicable law; or (iv) exclude any of our or your liabilities that may not be excluded under applicable law.

(b) The limitations and exclusions of liability set out in this section and elsewhere in these terms and conditions: (i) are subject to the preceding paragraph; and (ii) govern all liabilities arising under the terms and conditions or in relation to the subject matter of the terms and conditions, including liabilities arising in contract, in tort (including negligence) and for breach of statutory duty.

(c) We will not be liable for any loss or damage of any nature arising out of or in connection with the website or your use of the website.

(d) We will not be liable to you in respect of any losses arising out of any event or events beyond our reasonable control.

(e) We will not be liable to you in respect of any business losses, including (without limitation) loss of or damage to profits, income, revenue, use, production, anticipated savings, business, contracts, commercial opportunities or goodwill.

(f) We will not be liable to you in respect of any loss or corruption of any data, database or software.

(g) We will not be liable to you in respect of any special, indirect or consequential loss or damage.

(h) You accept that we have an interest in limiting the personal liability of our officers and employees. Having regard to that interest, you accept that we are a limited liability entity and agree that you will not bring any claim personally against individual officers or employees in respect of any losses you suffer in connection with the website or these terms and conditions. This will not, of course, limit or exclude the liability of the company itself for the acts and omissions of our officers and employees.

(i) We do not give any guarantee that access to the website or its content will be free from errors and uninterrupted. Nor do we give any guarantee that the website or its content will be free from viruses or anything else that may be considered harmful. It is your responsibility to put the necessary safeguards in place to protect yourself and your technology.

7. Privacy

(a) We take your privacy very seriously. Please take the time to familiarise yourself with our Privacy Policy to understand how we treat your personal information.

(b) Some user content will be published on the website such testimonials.

(c) You have control and responsibility over the privacy settings on your account. A description of the different privacy settings is set out in our Privacy Policy.

8. Trade marks

(a) Moneybrain and moneybrain.com, and our logos are trademarks belonging to Moneybrain Ltd. We do not give any permission for the use of these trademarks, and such use may constitute an infringement of our rights.

(b) The other registered and unregistered trademarks or service marks on our website are the property of their respective owners. Unless stated otherwise, we do not endorse and are not affiliated with any of the holders of any such rights and as such we cannot grant any licence to exercise such rights.

9. Amendments

(a) From time to time we may update our terms and conditions by posting a revised version on our website. We recommend that you check the terms and conditions on the website occasionally to ensure that you are informed of, and happy with, any amendments. Continued use of the website after the terms and conditions have been revised will constitute your acceptance of the revised terms and conditions.

10. Severability

(a) If any provision detailed in these terms and conditions is deemed unlawful, invalid or unenforceable that provision will be deemed severed from the remainder and the validity and enforceability of the remaining provisions will not be affected.

11. Assignment

(a) By agreeing to these terms and conditions, you hereby agree that Moneybrain Ltd may transfer our rights and/or obligations under these terms and conditions without notifying you or obtaining your specific consent.

(b) By agreeing to these terms and conditions, you must not assign, transfer, sub-contract or otherwise, deal with your rights and/or obligations under these terms and conditions.

12. Governing law and jurisdiction

(a) These terms and conditions are governed by English law.

(b) Any disputes under or relating to these terms and conditions and/or the website will be subject to the exclusive jurisdiction of the English courts.

13. Regulators and registrations.

Moneybrain Ltd is registered with the Financial Conduct Authority. Registration number is 733680. Moneybrain Ltd is registered with the Infomation Commissioner’s Office: Registration number Z3355634.

14. Contact details.

Moneybrain Ltd 28B London Rd Alderley Edge Cheshire SK9 7DZ. Registered office is 28B London Rd Alderley Edge Cheshire SK9 7DZ. Company number: 06322797.

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