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Candid Money Limited Terms & Conditions of Use

1. Introduction

1.1 This website is owned and operated by Candid Money Limited (“we”, “us” or “our”).

1.2 These terms and conditions (‘Terms’) govern your use of this website (‘site’). Please read through these Terms before using this site. If you do not agree with the Terms, do not use this site. By using this site, you are agreeing to be bound these Terms.

1.3 We reserve the right to change these Terms at any time by posting a new version on this site. Changes will become effective as soon as they are posted. Your continued use of this site after such changes means you accept them.

2. What we do

2.1 We provide independent, impartial and regularly updated general information, guidance, views and calculators with the aim of helping UK residents better understand personal finance matters.

2.2 We provide the facility for you to share information, views and potentially useful tips with other users of this site through the forum and reviews sections of this site.

3. What we don’t do

3.1 We are not a financial adviser, nor are we authorised and regulated by the Financial Services Authority. Nothing on the site may be interpreted as financial advice.

3.2 The information provided on this site does not constitute any form of recommendation, representation, endorsement or arrangement by us and is not intended to be relied upon by you in making (or refraining from making) any specific investment or other decisions. You should always undertake your own research into whether a product or service is appropriate for your needs and, if necessary, use a qualified financial adviser.

4. ‘Ask Justin’

4.1 Where possible, we will answer your questions on personal finance matters, via the ‘Ask Justin’ section of this site. Any answers given will be deemed to be general guidance intended as a starting point for you to carry out your own research into a solution for your specific circumstances. Answers may not be interpreted as financial advice and carry no form of warranty or liability whatsoever.

4.2 By submitting a question you give consent for us to publish it, along with our answer, on the site.

4.3 We reserve the right to edit your question and add a question title in the interests of editorial style.

5. Privacy policy

5.1 We take your privacy seriously. Please read our privacy policy for more details.

6. Intellectual property

6.1 Unless otherwise stated, we or our licensors own the intellectual property rights in the site and site content.

6.2 The content of our site includes any information or other material found on including educational text, articles, reviews, editorial, calculators, forums, databases, original graphics, software and all other features of our site.

6.3 Site content is for personal, non-commercial use only. You may view, download for caching purposes only, and print pages from the site for your own personal use. Commercial use or publication of any site content is strictly prohibited without prior written consent from us.

6.4 You own the intellectual property rights to any text you post on this site’s forum or reviews section. However, by posting text on this site you grant us a perpetual, unlimited free licence to republish that text on our site and to redistribute/make available and/or sell that text in print or electronic form anywhere in the world as part of an edited compilation or otherwise.

7. Acceptable use

7.1 You must not use our site in any way that causes, or may cause, damage to the site or impair the availability or accessibility of the site; or in any way which is unlawful, illegal, fraudulent or harmful, or in connection with any unlawful, illegal, fraudulent or harmful purpose or activity.

7.2 You must not use our website to copy, store, host, transmit, send, use, publish or distribute any material which consists of (or is linked to) any spyware, computer virus, Trojan horse, worm, keystroke logger, rootkit or other malicious computer software.

7.3 You must not conduct any systematic or automated data collection activities (including without limitation scraping, data mining, data extraction and data harvesting) on or in relation to our website.

7.4 You must not use our website to transmit or send unsolicited commercial communications.

7.5 You must not use our website for any purposes related to marketing, with the exception of purchasing an advert, without our express written consent.

8. Links

8.1 Our site provides links to third party websites that we believe might be useful. We have no control over, or liability arising from, the content and information provided on such websites.

8.2 You are welcome to link to our site provided that you comply with the following conditions and all applicable laws:

8.2.1 You must not in any way imply we are endorsing your products or services.

8.2.2 Your website or service must not break any laws or contain content that is considered unethical, distasteful or offensive.

8.2.3 You must not misrepresent your relationship with us, or present false information about us.

8.2.4 You may display our logo provided it is not altered in any way.

8.3 If you breach these conditions then we have the right to require you to remove the link and take any other action that we believe appropriate.

9. User reviews

9.1 The user reviews on this site are intended to allow you to share useful feedback with other site users on the merits of various products and services offered by financial services companies. They do not represent our views whatsoever and a user review should not be considered as an endorsement by us in any way.

9.2 By posting a review you are confirming that you are, or were, a bona fide customer of the company you’re reviewing. You will also be deemed to have agreed to give a truthful account and fair representation of the company that you are reviewing.

9.3 We display user reviews in good faith and cannot guarantee their authenticity. We cannot be held responsible in any way for any of the information contained therein.

9.4 If we suspect or believe that a user review is not genuine, we reserve the right to remove it immediately, without notice.

9.5 If you post a user review that is offensive, abusive, unlawful, defamatory or hateful, exposes us to any liability or detriment of any type, or is an advertisement or ‘spam’ (as determined by us at our sole discretion) the offending post will be removed and your registered account will be closed. We may also take any other action that we believe appropriate.

10. User forum

10.1 The user forum on this site is intended to allow you to share information and views with other users. We do not monitor user posts and such posts do not represent our views whatsoever.

10.2 If you post material that is offensive, abusive, unlawful, defamatory or hateful, exposes us to any liability or detriment of any type, or is an advertisement or ‘spam’ (as determined by us at our sole discretion) the offending post will be removed and your registered account will be closed. We may also take any other action that we believe appropriate.

10.3 We display user forum posts in good faith and cannot guarantee their authenticity. We cannot be held responsible in any way for any of the information contained therein.

11. Disclaimer or warranties and liability

11.1 Whilst we endeavour to ensure that the information on this site (excluding user content) is correct, we do not warrant its completeness or accuracy; nor do we commit to ensuring that the site remains available, is free from viruses or other harmful properties, or that the material on the site is kept up-to-date.

11.2 To the maximum extent permitted by applicable law we exclude all representations, warranties and conditions relating to this website and the use of this website. This includes, without limitation, any warranties implied by law of satisfactory quality, fitness for purpose and/or the use of reasonable care and skill.

11.3 You agree that under no circumstances will we be held liable for any direct, indirect, incidental or other type loss or injury resulting from your use, or downloading of any content on our site.

12. Indemnity

12.1 You hereby indemnify us and undertake to keep us indemnified against any losses, damages, costs, liabilities and expenses (including without limitation legal expenses and any amounts paid by us to a third party in settlement of a claim or dispute on the advice of our legal advisers) incurred or suffered by us arising out of any breach by you of any provision of these terms and conditions.

13. Breaches of these terms and conditions

13.1 Without prejudice to our other rights under these terms and conditions, if you breach these terms and conditions in any way, we may take such action as we deem appropriate to deal with the breach, including suspending your access to the website, prohibiting you from accessing the website, blocking computers using your IP address from accessing the website, contacting your internet service provider to request that they block your access to the website and/or bringing court proceedings against you.

14. General

14.1 If any of these provisions is deemed invalid, void or unenforceable, that provision will be deemed severable from the rest and will not affect the validity and enforceability of any remaining provisions.

14.2 These terms and conditions will be governed by and construed in accordance with English law, and any disputes relating to these terms and conditions will be subject to the jurisdiction of the courts of England and Wales.

15. Our details

This site is owned and operated by Candid Money Limited.
We are registered in England & Wales under registration number 6836981.

Our registered office address is Candid Money Limited, Wellington House, Lower Icknield Way, Longwick, Princes Risborough, Buckinghamshire, HP27 9RZ.

Effective as of 11 September 2012 | version 1.3