Terms of Use

By using our service (whether as a visitor or a registered user), you are agreeing with Lovemoney.com Financial Services Limited to be bound by these Terms of Use in relation to this website and those services which are provided by Lovemoney.com Financial Services Limited.

We may change or update these terms at any time without prior notice. Your continued use of this website means that you accept any new or modified terms.

Registration

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 this website.

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.

Our content

In this section, 'Content' means any information, mode of expression, or other material and services found on this website. 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.

Except as expressly provided in these Terms of Use, all of the Content on this site is the property of Lovemoney.com Financial Services Limited or its licensors and is protected by UK and international copyright laws.

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 2015 Lovemoney.com Financial Services Limited." 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 the site is for general information purposes only. It is not, and should not be construed as, financial or other professional advice.

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 Financial Services Limited makes no claims or representations as to the accuracy, completeness, or truth of any material contained on our site. Nor is Lovemoney.com Financial Services Limited 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 Financial Services Limited 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. 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 Financial Services Limited has no control over the third party providers listed in our comparison centres. Accordingly, Lovemoney.com Financial Services 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 product comparison centres.

Your content

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 Financial Services Limited 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 license is capable of sub-license, unlimited in the use to which we may put the Work and exists whether or not you remain a registered user.

As the license 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 Financial Services Limited the non-exclusive copyright license described above.

Conduct

You agree to use Lovemoney.com Financial Services Limited for lawful purposes only. You may not use, or allow others to use 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 Conduct 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 Financial Services reserves the right to monitor any information transmitted or received through our service. Lovemoney.com Financial Services Limited, 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.

Please notify us immediately if you have been harassed in any manner or you feel that anything done by another user of this website is in violation of the Terms of Use. In the case of a question, answer, review, comment, tip or other piece of user-generated content, please use the ‘report’ button displayed bottom-right of every message. In the case of a profile, please contact us. Please note it is advisable not to include your email address or other personal or contact details in the text of any post.

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.

Indemnification

You agree to indemnify, defend, and hold harmless Lovemoney.com Financial Services, affiliates, directors, officers and employees from and against any claim, liability, cost, damage or loss we may incur (including, without limitation, solicitors’ fees) as a result of any material you post on our forum or any violation by you of your obligations under these Terms of Use.

Disclaimer of warranties and liability

Lovemoney.com Financial Services Limited 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 Financial Services Limited 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 Financial Services Limited 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 Financial Services 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 Financial Services Limited 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 Financial Services Limited. Nothing herein excludes or limits Lovemoney.com Financial Services Limited’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.

Linking to our site

You may link to our pages, 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.

General information

If any provision in this Agreement is invalid or unenforceable, the remaining provisions will continue in full force and effect. These Terms of Use shall be governed by the laws of England and Wales as if the Agreement was a contract wholly entered into and wholly performed within England. The courts of England and Wales shall have exclusive jurisdiction in relation to any disputes arising under or in connection with these Terms of Use, but without prejudice to Lovemoney.com Financial Services Limited’s ability to bring proceedings against a user in the courts of any jurisdiction.

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