Terms and Conditions

Lovemoney.com Financial Services Limited (herein referred to as "LMFS Limited", “we”, “us” or “our”) provides a comparison service for financial, insurance and other products and a service which enables you to obtain advice or assistance from a third party adviser (the Service or Services).

LMFS Limited is a registered company in England and Wales under company registration number 6500894 and having its registered office at 2nd Floor, 112-116 Old Street, London EC1V 9BG.

LMFS Limited is a wholly owned subsidiary of Lovemoney.com, a company registered in England and Wales under company registration number: 07406028 and having its registered office at the same address.

LMFS Limited is authorised and regulated by the Financial Conduct Authority (FCA), FCA registration number 479153. Some of our Services are not regulated by the FCA as indicated in individual service disclosures.

General

By accessing and using these Services, you are agreeing to these Terms and Conditions. Please read them carefully.

We may amend these Terms and Conditions from time to time without notice. You should therefore read them each time you use the Services.

If you misuse our Services or breach any of these Terms and Conditions, then your right to use the Services will cease immediately.

You may only accept these terms and use these Services if you are eligible for the respective products in the Service or Services you are accessing.

Our Services

Our comparison Service allows you to research and compare financial, insurance or other products that may be available to you depending upon your circumstances. The Service is designed to help you make the most of your money, but it is not, and should not be construed as, financial or other professional advice. If you are at all unsure if a product is right for you, you should seek professional advice.

Our comparison Service is free for you to use. We may receive a fee and/or commission from the third party product provider when you use our Service to purchase products or services from them.

Additionally, we may offer a Service which enables you to obtain advice or assistance from a third party adviser away from our site (either via a third party website or over the telephone). We do not charge you any fees for this Service. We may receive a fee and/or commission from the third party to whom we refer you.

Please note that LMFS Limited has no control over the third party providers listed in our comparison service. Accordingly, LMFS Limited 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 comparison Service. We recommend that you read and understand any terms and conditions relating to a specific product or service before you enter into a contract with your chosen product provider.

Our product data and financial technology are provided by Runpath.

We make every effort to ensure that the data provided by the Service is accurate, however 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. LMFS Limited makes no claims or representations as to the accuracy, completeness, or truth of any material contained on our site. Nor is LMFS Limited liable for any errors or delays in the content or transmission of the data on our site.

Where LMFS Limited provides a “whole of market” service, the aim is to provide a fair reflection of the marketplace. It is not always possible to provide data for every product in the market. Certain product characteristics such as geographic restrictions or unusual features mean that some products are excluded to prevent confusion.

Do not attempt to use our Services through any other interface other than that provided. You may only use our Services as permitted by law and we may withdraw the Services from you if we are investigating suspected misconduct.

Any use of our Services does not imply the transfer of intellectual property rights or content that may be accessed. You may not use or transfer content from our Services without permission. You may not obstruct, remove or change legal and regulatory notices displayed throughout the Services.

Customer Service and Complaints

We will aim at all times to provide you with the best service possible. However, occasionally we may not live up to your expectations.

If you feel our service could have been better, we’d really like to know so we can make sure it doesn't happen again - either to you or to anyone else.

Our customer services team is always happy to help and will respond initially within 1 working day. You can contact us at our address: Lovemoney.com Financial Services Limited, 112-116 Old Street, London EC1V 9BG; via our online form or email us at fscomplaints@lovemoney.com.

Hopefully, we’ll be able to resolve your complaint to your satisfaction. If, however, anything is unclear or you’re unhappy with our response, please contact the person that handled your complaint. They’ll do all they can to answer your questions and reach an agreement.

If your complaint is still unresolved, you can ask for a review from the Financial Ombudsman Service, an independent service that will look into your complaint and make adjudication on our response. The Financial Ombudsman Service reviews complaints from personal customers and business customers with a turnover of less than €2million a year and fewer than 10 employees.

You can contact them in writing, by phone or send them an email.

Write to them at:
Financial Ombudsman Service
South Quay Plaza
183 Marsh Wall
London
E14 9SR

Call on:
0845 080 1800

Email them at: complaint.info@financial-ombudsman.org.uk

If you have purchased a product or service through us online, and want to raise a formal dispute you can do so through the European Commission's Online Dispute Resolution procedure. This procedure will help you to access the appropriate dispute resolution body (i.e. The Energy Ombudsman or the The Financial Ombudsman Service.)

These Terms and Conditions should be read in conjunction with Lovemoney.com Financial Service’s Terms of Use and Privacy Policy