1. The Site
The Site is owned and operated by Notice Media Ltd, a company incorporated in England with company registration number 05409985 with its registered office at Floor 3 Haldin House, Old Bank of England Court, Queen St, Norwich, NR2 4SX ("We", "Us", "Our").
We may make changes to these Terms from time to time by placing the amended Terms on this Site. Changes will be effective immediately and you should therefore regularly check the site to ensure that you are familiar with the most uptodate terms. Your continued use of the Site following any changes to the Terms will constitute your acceptance of the revised Terms.
3. Our Service
On this Site we provide general guidance on the nature of various types of financial products. In addition we provide access to comparison information in relation to various financial, insurance and other products and providers. We do not charge any fees to you for providing this service but are paid by the third party product or service providers.
We also offer the opportunity for you to obtain independent advice from a third party service provider in relation to certain financial products. Such advice, if provided, is provided to you directly by the third party service provider independently of us and on terms that you agree with such third party service provider. The third party provider will advise you whether they provide an advised or non-advised service. Please check with them if this is important to you. We indicate on the Site when your information will be forwarded to a third party service provider to contact you in relation to such services.
We do not offer any products or services for sale through this Site and nothing on the Site shall be deemed an offer by us or any third party to provide you with any products or services.
We reserve the right to improve, amend, or suspend the service provided on the Site at any time without notice to you.
4. Use of the Site
The information we provide on the Site is based on information given to us by third parties including the third party providers of the products and services. Although we take reasonable steps to keep the Site uptodate and to correct any errors as soon as possible after we become aware of them we do not check, monitor, review, verify or endorse any such information. It is possible that information provided by third parties or in links to third party websites will be incomplete, inaccurate or out of date. It is your responsibility to verify such information to your own satisfaction and we cannot and do not accept responsibility for this.
The information that we provide on the Site does not address your specific personal requirements. The information available on the Site is not intended as, and does not constitute, any form of advice, recommendation, representation, endorsement or arrangement by us and is not intended to be relied upon by you in purchasing any particular product or service or making any specific investment decision.
The information on the Site is intended to be used by you as a starting point for general research into various financial products. The description of products and services on the Site may not represent a complete description of all the features and terms and conditions of such products and services. We have no control over the third parties who provide the products or services referred to on the Site and do not accept any responsibility or liability for any losses or damages that you may suffer in connection with any product or service that you purchase from such third parties. You should always carry out your own research into any specific products before purchasing these and where appropriate obtain suitable independent advice.
Before you obtain any product or service from a third party you must ensure that you have disclosed all relevant facts and fully satisfied yourself that the product or service is suitable for all of your requirements and that the terms and conditions on which the third party supplies such products or services are acceptable to you.
You are only permitted to use this Site for your own personal, non-commercial purposes.
Please note that when you provide information to any third party who you may have linked to from our Site, whether through their website, over the phone or otherwise, use of your personal information will be subject to that third party's terms and policies.
Our Site contains links to third party websites. We do not control the content of such third party websites and your use of these is entirely at your own risk. We do not provide any guarantees or accept any liability in respect of third party sites. If you do buy any product or service from such websites you do so entirely at your own risk and your contract will be with the third party product or service provider and not us. You should ensure that you fully understand the product or service that you propose to purchase and the terms of the third party supplier's contract with you.
You may provide links to our Site provided that you do so in a way that is fair and complies with all applicable laws and regulations. You must not operate a link to our Site which in our opinion damages our reputation or in any way suggests any form of approval, endorsement or association with us. We reserve the right to withdraw permission to link to this Site and in such circumstances will require you to immediately remove any such link.
7. Ownership of Content
All of the material, information, data and other content ("material") on the Site belongs to us or our licensors including all copyright, trade marks and other intellectual property rights in the same. You may download, store and use the material on the Site for your own personal use and research. You may not make any commercial or non-personal use of the material on the Site. You may not republish, retransmit, redistribute or otherwise make this material available to any other party or make the same available on any website, on-line service or bulletin board of Your own or of any other party or make the same available in hard copy or on any other media without our express prior written consent.
"knowyourmoney" is a trade mark of Notice Media Ltd.
8. Limitations on Liability
We provide this Site on an 'as is' basis and make no representations or warranties of any kind with respect to this Site or its contents and disclaim all such representations and warranties. In addition, we make no representations or warranties about the accuracy, completeness, or suitability for any purpose of the information and related graphics published in this site. The information contained in this site may contain technical inaccuracies or typographical errors. All liability of Notice Media Limited howsoever arising for any such inaccuracies or errors is expressly excluded to the fullest extent permitted by law.
Neither Notice Media Limited nor any of its directors, employees or other representatives will be liable for loss or damage arising out of or in connection with the use of this Site. This is a comprehensive limitation of liability that applies to all damages of any kind, including (without limitation) compensatory, direct, indirect or consequential damages, loss of data, income or profit, loss of or damage to property and claims of third parties.
The Internet is not a secure medium and we provide no guarantees as to the reliability or security of the Site, or that it will be continuously available or error free or free from viruses, spyware, malicious software or anything else which may have a harmful effect on your computer. You are responsible for taking all reasonable steps to protect your computer including using uptodate anti-virus software.
Notwithstanding the foregoing, none of the exclusions and limitations in these Terms are intended to limit any rights you may have as a consumer under local law or other statutory rights which may not be excluded nor in any way to exclude or limit our liability to you for death or personal injury resulting from our negligence or that of our employees or agents.
You agree to indemnify and keep indemnified us, our directors, officers, employees and licensors from and against any claim, liability, cost, damage or loss we may incur (including reasonable legal fees) as a result of or in connection with your use of the Site.
10. Contacting Us
The address for all correspondence relating to this site is Floor 3 Haldin House, Old Bank of England Court, Queen St, Norwich, NR2 4SX or please email us at [email protected]
If you identify any error on the site or any material that you consider to be offensive, indecent, dishonest, inaccurate or illegal please immediately e-mail us at [email protected] and we will take such action as we in our absolute discretion see fit.
We only provide this service to you within, and to use in, England and Wales and reserve the right to restrict or prohibit access to any person not based within the jurisdiction of England and Wales and accept no liability if you access the Site from outside this jurisdiction.
If any provision of these terms and conditions is held by any competent authority to be invalid or unenforceable in whole or in part, the validity of the other provisions of these terms and conditions and the remainder of the provision in question shall not be affected.
These terms and conditions constitute the entire agreement between you and us in relation to access to the Site, supersede any previous agreement or understanding and may not be varied except in writing by us. All other terms and conditions, express or implied by statute or otherwise, are excluded to the fullest extent permitted by law.
These terms and conditions are governed by and shall be construed in accordance with the laws of England. Any dispute will be under the exclusive jurisdiction of the English courts.
We are registered in the UK for VAT under number 864367493.