Part 1: General terms
Welcome to lovemoney.com, your gateway to the following information and services:
- MoneyTrack for all of your accounts, regardless of the provider
- Tools for comparing mortgages, credit cards, savings accounts and other financial products
- Informative articles and guidance on a range of investment subjects
- Our supportive online community of like-minded individuals
- Independent mortgage advice
- Insurance brokerage
The lovemoney.com website is operated by lovemoney.com ltd, a company registered in England and Wales under company registration number: 07406028 and having its registered office at 2nd Floor 112 – 116 Old Street, London EC1V 9BG.
Mortgage and insurance services offered through lovemoney.com are provided by lovemoney.com Financial Services ltd, a company registered in England and Wales under company registration number: 06500894 and having its registered office at 2nd Floor 112 – 116 Old Street, London EC1V 9BG. lovemoney.com Financial Services ltd is authorised and regulated by the Financial Services Authority (registered number 479153).
We may change or update these terms at any time without prior notice. Your continued use of lovemoney.com means that you accept any new or modified terms.
By registering, you certify that all information you provide in the registration is accurate. Customers may only maintain one active registration. In other words, it's one registration per person. By accepting this agreement, you certify that you have no other registration with lovemoney.com.
You must have a valid email registered with us at all times. If an email that we send to you should bounce for some reason, your account may be temporarily suspended until you contact us with a verifiable address.
Accessing our site
Access to our site is permitted on a temporary basis, and we reserve the right to withdraw or amend the service we provide on our site without notice. We will not be liable if for any reason our site is unavailable at any time or for any period.
From time to time, we may restrict access to some parts of our site, or our entire site, to users who have registered with us.
In this section, 'Content' means any information, mode of expression, or other material and services found on lovemoney.com. This includes question, answer, review, comment, tip or other piece of user-generated content, as well as software, our writings, graphics and any and all other features that may be found on the site.
Our Content is intended for individual, personal use only. Accordingly, you may make one copy of our content for your personal, non-commercial use, provided that any material copied remains intact and includes the following notice: "Copyright 2013 lovemoney.com." Any other copying, distribution, storing or transmission of any kind, or any sort of commercial use of our content, is strictly prohibited without our prior written permission.
The information provided on lovemoney.com is for general information purposes only. It is not, and should not be construed as, financial or other professional advice. You should not rely on the information you find here to inform your decisions; rather, use it as a starting point for doing your own independent research.
In the material we make available on our site, we rely on a wide variety of sources and other websites. We believe these sources of data to be generally accurate and reliable, but sometimes they may not be. lovemoney.com ltd makes no claims or representations as to the accuracy, completeness, or truth of any material contained on our site. Nor is lovemoney.com ltd liable for any errors or delays in the content or transmission of the data on our site.
Our advertisers and sponsors
Our site and email products include third-party advertisements. The appearance of an advert does not mean that we endorse the advertiser's goods or services. While we will not knowingly run an advert that is untrue, lovemoney.com is not responsible for the accuracy of any advertising material or the usefulness of an advertised product or service.
In our various product comparison centres, we may feature a number of providers that have paid lovemoney.com to promote their services to you. We do not recommend one over another and these areas are not intended to be an exhaustive list of all providers of a particular financial product. It is up to you to decide whether what they offer is right for you. You can find more detailed information about our relationship with our sponsors in the disclosure documents for each of our product comparison centres
Please note that lovemoney.com ltd has no control over the third party providers listed in our comparison centres. Accordingly, lovemoney.com ltd specifically disclaims all liability for any damage or costs of any type arising out of or in any way connected with your use of a provider’s service or product included in our product comparison centres.
You own the copyright in the expression of your submissions on our site. Please note, however, that when you post content, you expressly grant lovemoney.com ltd a perpetual, irrevocable, royalty-free, worldwide, assignable, non-exclusive license to use, edit, alter, adapt, translate, copy, publish, continue to publish or republish the submission (and/or an edited, adapted or translated version of it or part of it) ('the Work') and/or to sell or otherwise communicate or distribute the Work, as part of an edited compilation or in any other way howsoever. The licence is capable of sub-licence, unlimited in the use to which we may put the Work and exists whether or not you remain a registered user.
As the licence is irrevocable, this means, for example, that we do not have to remove your posts even if you would like us to and even if you are no longer a registered user. We’ll credit you under your user name (either the one existing at the time of the post or otherwise) as the author in any use of your material. By submitting your post you warrant that you have the right to grant lovemoney.com ltd the non-exclusive copyright licence described above.
And we promise not to make fun of you, unless we think you really deserve it.
lovemoney.com champions active and open debate among our community members. All that we ask is that it's done in a lawful and civil manner – be it in the comments area of our articles, asking or answering a question on Q&A or using any other interactive feature on our site.
Accordingly, you agree to use lovemoney.com for lawful purposes only. You may not use, or allow others to use, your lovemoney.com membership to:
- post or transmit any content that is abusive, vulgar, obscene, hateful, fraudulent, unlawful, threatening, harassing, or defamatory or which discloses private or personal matters concerning any person
- post or transmit any material that you do not have a right to transmit under law (such as copyright, trade secret or securities) or under contractual or fiduciary relationships (as in nondisclosure agreements)
- post, transmit, or link to sexually explicit material
- impersonate any person or entity, or falsely state or otherwise misrepresent your affiliation with anyone or entity
- post or transmit statements that are intentionally false or misleading, or use such statements to manipulate the market for any security
- post or transmit any advertising, promotional materials, or other forms of solicitation including chain letters or pyramid schemes
- offer, sell, or buy any security
- intentionally violate the laws, rules and regulations of the Financial Services Authority and the national or other securities exchanges
- intentionally violate any other applicable law or regulation while accessing and using our site;
- collect or store personal data about other site users
- post or transmit any file that contains viruses, corrupted files, 'Trojan Horses', or any other contaminating or destructive features that may damage someone else's computer or attempt to gain unauthorised access to our site. By breaching this provision, you would commit a criminal offence under the Computer Misuse Act 1990. We will report any such breach to the relevant law enforcement authorities and we will co-operate with those authorities by disclosing your identity to them. In the event of such a breach, your right to use our site will cease immediately.
Whilst we can't review all transmissions by our site users, lovemoney.com reserves the right to monitor any information transmitted or received through our service. lovemoney.com ltd, at our sole discretion and without prior notice, may at any time review, remove, or otherwise block any post or terminate your membership for violating the above provisions.
You are responsible for all statements made and acts that occur through the use of your membership and password. You must not disclose your password to anyone. If your password has been stolen, you must let us know immediately.
Disclaimer of warranties and liability
lovemoney.com ltd cannot and does not warrant the completeness or accuracy of the news, information, or other content found on our site, or its usefulness for any particular purpose.
You understand and acknowledge that information posted by third party providers are the sole responsibility of the person from which such material originated. lovemoney.com ltd takes no responsibility for the accuracy and completeness of the information posted in our site areas including our product comparison centres.
You agree that lovemoney.com ltd shall not be liable for any decision made or action taken by you or others based upon reliance on news, information, or any material published at lovemoney.com.
All information provided on lovemoney.com is to be used on an 'as is, with all faults' basis. We make no promises that our content or the service itself will be delivered to you uninterrupted, secure, error-free or delivered in a timely manner. In fact, we're not making any promises or warranties except that we won't intentionally lie to you. Other than that, we reserve the right to be wrong.
Now what does all this mean? It means that you agree that under no circumstances shall lovemoney.com ltd be liable for any direct, indirect, incidental or any other type of loss or injury resulting from your use, or downloading of any content on our site. This includes, but is not limited to, loss or injury caused by contingencies beyond our control in creating or delivering any portion of lovemoney.com. Nothing herein excludes or limits lovemoney.com’s liability for death or personal injury caused by its proven negligence, or excludes or limits our duties or any liability under any applicable law.
We will not be liable for any loss or damage caused by a distributed denial-of-service attack, viruses or other technologically harmful material that may infect your computer equipment, computer programs, data or other proprietary material due to your use of our site or to your downloading of any material posted on it, or on any website linked to it.
The following are trademarks of lovemoney.com:
Linking to our site
You may link to our home page, provided you do so in a way that is fair and legal and does not damage our reputation or take advantage of it, but you must not establish a link in such a way as to suggest any form of association, approval or endorsement on our part where none exists.
You must not establish a link from any website that is not owned by you.
Our site must not be framed on any other site, nor may you create a link to any part of our site other than the home page. We reserve the right to withdraw linking permission without notice.
Part 2: MoneyTrack
Our MoneyTrack service is provided on the basis of the above terms and the following additional terms. In the event of any conflict between the provisions of Part 1 and Part 2, the provisions of Part 2 shall take precedence. References to “the service” in Part 2 are references to our MoneyTrack service.
Provide accurate information
You, the end user, agree to provide true, accurate, current and complete information about yourself and your accounts maintained at other web sites and you agree to not misrepresent your identity or your account information. You agree to keep your account information up to date and accurate.
You are permitted to use content delivered to you through the service only on the service. You may not copy, reproduce, distribute, or create derivative works from this content. Further, you agree not to reverse engineer or reverse compile any of the service technology, including but not limited to, any application associated with the service.
Content you provide
You are licensing to lovemoney.com ltd and its service providers, including Yodlee, Inc. (“Yodlee”), any information, data, passwords, materials or other content (collectively, in this section, “Content”) you provide through or to the service. lovemoney.com ltd and Yodlee may use, modify, display, distribute and create new material using such Content to provide the service to you. By submitting Content, you automatically agree, or promise that the owner of such Content has expressly agreed that, without any particular time limit, and without the payment of any fees, lovemoney.com ltd and Yodlee may use the Content for the purposes set out above. As between lovemoney.com ltd and Yodlee, lovemoney.com ltd owns your confidential account information.
Third party accounts
By using the service, you authorise lovemoney.com ltd and Yodlee to access third party sites designated by you, on your behalf, to retrieve information requested by you, and to register for accounts requested by you. For all purposes hereof, you hereby grant lovemoney.com ltd and Yodlee a limited power of attorney, and you hereby appoint lovemoney.com ltd and Yodlee as your true and lawful attorney-in-fact and agent, with full power of substitution and resubstitution, for you and in your name, place and stead, in any and all capacities, to access third party internet sites, servers or documents, retrieve information, and use your information, all as described above, with the full power and authority to do and perform each and every act and thing requisite and necessary to be done in connection with such activities, as fully to all intents and purposes as you might or could do in person. YOU ACKNOWLEDGE AND AGREE THAT WHEN LOVEMONEY.COM MONEYTRACK OR YODLEE ACCESSES AND RETRIEVES INFORMATION FROM THIRD PARTY SITES, LOVEMONEY.COM TRACKER AND YODLEE ARE ACTING AS YOUR AGENT, AND NOT THE AGENT OR ON BEHALF OF THE THIRD PARTY. You agree that third party account providers shall be entitled to rely on the foregoing authorisation, agency and power of attorney granted by you. You understand and agree that the service is not endorsed or sponsored by any third party account providers accessible through the service.
DISCLAIMER OF WARRANTIES
YOU EXPRESSLY UNDERSTAND AND AGREE THAT:
YOUR USE OF THE SERVICE AND ALL INFORMATION, PRODUCTS AND OTHER CONTENT (INCLUDING THAT OF THIRD PARTIES) INCLUDED IN OR ACCESSIBLE FROM THE SERVICE IS AT YOUR SOLE RISK. THE SERVICE IS PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS. LOVEMONEY.COM LTD AND YODLEE EXPRESSLY DISCLAIM ALL WARRANTIES OF ANY KIND AS TO THE SERVICE AND ALL INFORMATION, PRODUCTS AND OTHER CONTENT (INCLUDING THAT OF THIRD PARTIES) INCLUDED IN OR ACCESSIBLE FROM THE SERVICE, WHETHER EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO THE IMPLIED WARRANTIES OF QUALITY, FITNESS FOR A PARTICULAR PURPOSE AND NONINFRINGEMENT.
LOVEMONEY.COM MONEYTRACK AND YODLEE MAKE NO WARRANTY THAT (i) THE SERVICE WILL MEET YOUR REQUIREMENTS, (ii) THE SERVICE WILL BE UNINTERRUPTED, TIMELY, SECURE, OR ERROR-FREE, (iii) THE RESULTS THAT MAY BE OBTAINED FROM THE USE OF THE SERVICE WILL BE ACCURATE OR RELIABLE, (iv) THE QUALITY OF ANY PRODUCTS, SERVICES, INFORMATION, OR OTHER MATERIAL PURCHASED OR OBTAINED BY YOU THROUGH THE SERVICE WILL MEET YOUR EXPECTATIONS, OR (V) ANY ERRORS IN THE TECHNOLOGY WILL BE CORRECTED.
ANY MATERIAL DOWNLOADED OR OTHERWISE OBTAINED THROUGH THE USE OF THE SERVICE IS DONE AT YOUR OWN DISCRETION AND RISK AND YOU ARE SOLELY RESPONSIBLE FOR ANY DAMAGE TO YOUR COMPUTER SYSTEM OR LOSS OF DATA THAT RESULTS FROM THE DOWNLOAD OF ANY SUCH MATERIAL. NO ADVICE OR INFORMATION, WHETHER ORAL OR WRITTEN, OBTAINED BY YOU FROM LOVEMONEY.COM TRACKER OR YODLEE THROUGH OR FROM THE SERVICE WILL CREATE ANY WARRANTY NOT EXPRESSLY STATED IN THESE TERMS.
LIMITATION OF LIABILITY
YOU AGREE THAT NEITHER LOVEMONEY.COM LTD OR YODLEE NOR ANY OF THEIR AFFILIATES, ACCOUNT PROVIDERS OR ANY OF THEIR AFFILIATES WILL BE LIABLE FOR ANY HARMS, WHICH LAWYERS AND COURTS OFTEN CALL DIRECT, INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL OR EXEMPLARY DAMAGES, INCLUDING, BUT NOT LIMITED TO, DAMAGES FOR LOSS OF PROFITS, GOODWILL, USE, DATA OR OTHER INTANGIBLE LOSSES, EVEN IF LOVEMONEY.COM MONEYTRACK OR YODLEE HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES, RESULTING FROM: (i) THE USE OR THE INABILITY TO USE THE SERVICE; (ii) ANY BREACH OF THE SERVICE’S SECURITY MEASURES (ii) THE COST OF GETTING SUBSTITUTE GOODS AND SERVICES, (iii) ANY PRODUCTS, DATA, INFORMATION OR SERVICES PURCHASED OR OBTAINED OR MESSAGES RECEIVED OR TRANSACTIONS ENTERED INTO, THROUGH OR FROM THE SERVICE; (iv) UNAUTHORISED ACCESS TO OR ALTERATION OF YOUR TRANSMISSIONS OR DATA; (v) STATEMENTS OR CONDUCT OF ANYONE ON THE SERVICE; (vi) THE USE, INABILITY TO USE, UNAUTHORISED USE, PERFORMANCE OR NON-PERFORMANCE OF ANY THIRD PARTY ACCOUNT PROVIDER SITE, EVEN IF THE PROVIDER HAS BEEN ADVISED PREVIOUSLY OF THE POSSIBILITY OF SUCH DAMAGES; OR (vii) ANY OTHER MATTER RELATING TO THE SERVICE.
You agree to protect and fully compensate lovemoney.com ltd and Yodlee and their affiliates from any and all third party claims, liability, damages, expenses and costs (including, but not limited to, reasonable attorneys fees) caused by or arising from your use of the service, your violation of these terms or your infringement, or infringement by any other user of your account, of any intellectual property or other right of anyone.
You agree that Yodlee is a third party beneficiary of the above provisions, with all rights to enforce such provisions as if Yodlee were a party to this Agreement.