1. What is the purpose of this document?
These Terms and Conditions (“Terms”) set out the agreement you are entering into with The Money Service (“Money Service”, “We”, “Our”, “Us”). It is important that you read this information carefully to understand what both your and Our obligations are in tern of the use of this platform, and the provision of any service. If you do not wish to be bound by these Terms, you should not use this platform.
The Money Service Ltd is an appointed representative of The Right Mortgage Limited, which is authorised and regulated by the Financial Conduct Authority, FCA No.1057589. The Money Service Ltd is registered in England and Wales with company number 11837878. Registered Office: 52 Forder Way, Hampton, Peterborough, PE7 8JB
You should read this document alongside Our Privacy Policy.
We provide advice and recommendations in relation to the products or services that are compared, we do not provide endorsements.
2. Providing information to us
Money Service is intended for personal or business use within the United Kingdom. In order to provide a quote or comparison quotes to you, you will need to answer a series of questions. You must complete this information accurately and in full. You are also responsible for reviewing and confirming the accuracy of all information provided by you or displayed on the platform, including any information that is pre-populated, carried over from previous interactions, or obtained from third parties. It is your responsibility to ensure that the quote you are provided with is accurate and up to date before you purchase the related product or service.
You must also disclose any information which you know, or reasonably ought to know, may be relevant to a provider’s assessment of risk, even if We do not specifically ask for that information. If you fail to provide accurate information you may run the risk of:
Any insurance product purchased being made void, meaning you will not be able to make a claim, and you may be liable for damage or loss to a third party if you cause an accident depending on the insurer’s terms
Having to pay additional premiums to reflect the increase in insurance risk where the information previously provided is deemed to be incorrect
Remaining personally liable for any loss, damage, or third party claims where insurance cover is invalidated, cancelled or restricted as a result of inaccurate or incomplete information.
Where you are found to be in breach of these Terms, We reserve the right to take any action We deem appropriate which may include: denying you access to this platform, bringing legal proceedings against you, disclosing information to relevant legal and/or regulatory bodies including (but not limited to) those such as the Policy and HMRC.
3. Providing a service to you
The results of your enquiry will be displayed to you on Our platform. We may also provide you those results by email or other contact methods. We may provide you with renewal information at the relevant time where you have indicated We are able to.
We do not control the price, length of offers or any special conditions relating to comparison quotes. Product and prices, rates and offer times are subject to change. This includes the rate at which Insurance Premium Tax (“IPT”) is calculated and as this is set by the Government, will mean that insurer’s quotes may change where the IPT changes.
Quotes displayed on the platform are indicative only and are subject to validation, acceptance, and final confirmation by the relevant provider.
We may also send you marketing communications where it is appropriate for Us to do so and We have your permission. You can ask Us to stop sending these communications at any time via the ‘unsubscribe’ link that’s included in every email We send.
4. Links to third party websites
Our platform contains numerous links to third party websites which are operated beyond our control. We accept no responsibility or liability for the content of any third-party website.
Any websites we link to should not be viewed as an endorsement and/or recommendation by us.
5. Intellectual property
All intellectual property rights, information, data and copyright material contained on this platform are either owned by The Money Service Ltd or used under the express permission from Our selected panel of providers. This information or copyright material must not be used unless you have permission from us or the owner to do so.
You may download or otherwise copy the content of downloaded items displayed on this platform for your personal use (i.e. your comparison results and/or quotation or policy information) so long as it is not in any breach of these Terms.
6. The legal parts
Where the law allows Us to exclude liability, We shall maintain no liability to you under these Terms, regardless of whether liability arises in contract, tort or any other way and whether it is caused by misrepresentation or negligence.
Should a competent authority hold any provision of these Terms to be invalid or unenforceable, the remaining provisions of these Terms remain valid and unaffected. This includes any deletions or modifications as may be necessary to make the provision legal, valid and enforceable. Nothing in these Terms excludes or limits our liability for fraud, death or personal injury caused by negligence, or any other liability which cannot be excluded or limited under applicable law.
No other person may benefit or rely on these Terms as they apply only between you and us.
In the event of any dispute, English law will apply.
7. Complaining to us
We strive to provide the highest possible service to our customers but accept that occasionally things can go wrong. Where it does, we will make every effort to ensure that complaints are investigated and settled as quickly and fairly as possible. Please see our complaints procedure for further details.
8. Treating You Fairly
The Money Service always aim to treat you fairly. This means that We will endeavour to:
Conduct Our business with due skill, care and integrity
Never put Ourselves in a position where Our primary duty to you is compromised
Respect you confidentiality
9. Data Protection
Please refer to Our Privacy Policy for further information