Terms of Use

SimplyFinance is a Simply Media Publishing LLC company, registered as Simply Media Publishing Ltd. in UK no. 08634259. By using our service (whether as a visitor or a registered user), you are agreeing with Simply Media Publishing LLC, to be bound by these Terms of Use in relation to the simplyfinance.co.uk website. Separate Terms and Conditions apply to services provided by third party companies we may connect you with, which will be made available to you when using these specific services.

This page sets out the terms under which UK consumers ("you") may use our website, www.simplyfinance.co.uk ("website" and "our website") which is operated by Simply Media Publishing LLC and Simply Media Publishing Ltd ("we" and "us"). Please take time to read and consider these terms before you make use of our website. If you do not agree with these terms, if you are under 18, or if you are not a resident of the UK, you should not use this website.

Occasionally, we may feel it necessary to change or amend these terms of use without prior notice. Please refer back to this page on a regular basis to check for any changes as we will assume that you have read and are aware of these changes before you choose to use the services provided on this website. These terms and conditions were last updated on 15 September 2015. Your continued use of simplyfinance.co.uk means that you accept any new or modified terms.

1. General Terms

SimplyFinance offers the following information and services:

* Informative articles and guides on a range of personal finance subjects
* Tools and calculators to help you make informed decisions about your finances
* No-obligation introductions to qualified financial services brokers for personalised advice and quotes
* UK-wide Financial Advisor search by location and specialism
* Supportive community of advisors and consumers with the option to ask a professional advisor for guidance directly

Our Content

In this section, "content" or "our content" means any information, mode of expression, or other material and services found on simplyfinance.co.uk. This includes question, answer, comment, or other piece of user-generated content, as well as software, our writings, graphics, logos and any and all other features that may be found on the site.

Nothing within this website is, or shall be deemed to constitute financial or other advice or a recommendation to purchase any product or service. Any and all information provided within the website is for general information purposes only, and the responsibility for making financial decisions rests entirely with you. 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. We strongly recommend that independent professional advice is sought before you purchase any product and/or service via our website.

Our Website is entirely free to use. However, our website contains links to other sites and resources provided by third parties which may offer you products or services for a fee. We provide you with a link to these websites for your information only. We have no control over the contents of those sites or resources, and accept no responsibility for them or for any loss or damage that may arise from your use of them.

It is up to you whether or not you chose to obtain products or services from third parties through clicking on a link in our website to the website of a third party. However, if you do decide to do this, you will be leaving our website, and your use of any third party website including any payments you may make to them for their products and services will be governed by their terms and conditions of supply and not by these terms. It is your responsibility to ensure that you understand and agree with those terms and conditions before entering into a contract to obtain that product or service.

We are not responsible or liable for any loss or damage you may suffer or incur in connection with any product or service you obtain after using this Website or for any acts, omissions, errors or defaults of any third party in connection with that product or service. Accordingly, we strongly suggest that you also read the terms and conditions of any third party website that you may access through clicking on a link from our website. We remind you that we cannot be held responsible or liable for the content, advertising, products services or the use you make of any third party Websites.

Any views, opinions, advice or assistance which is given or provided to you by a third party after you have used this Website do not represent our views, opinions, advice or assistance and are not checked, monitored, reviewed, verified or endorsed by us. We do not endorse, recommend or take responsibility for any third party who provides you with any views, opinions advice or assistance. You act or refrain from acting on any third party's views, opinions, advice or assistance at your sole risk and sole discretion and you are solely responsible for any decision to act or refrain from acting on such views, opinions, advice or assistance. We are not responsible or liable for any loss or damage you may suffer or incur in connection with such views, opinions, advice or assistance including in relation to their accuracy, truthfulness or completeness or for any acts, omissions, errors or defaults of any third party in connection with such views, opinions, advice or assistance.

Intellectual Property and Copyright

SimplyFinance is our registered trademark, and you may not use it without our written consent. We also own and are licensee of all intellectual property rights in our website. This includes our website, together with the content, website design, text and graphics, and their selection and arrangement, and all software compilations, underlying source code and software. All rights are reserved.

Our content is intended for individual, personal use only. None of this material may be reproduced or redistributed without our prior written permission. You may not use any automated software, process, program or system, robot, web crawler, spider, data mining, trawling or other 'screen scraping' software, process, program or system.
You may, however, download or print a single copy for your own non-commercial off-line viewing, provided that any material copied remains intact and includes the following notice: "Copyright 2010 simplyfinance.co.uk". You shall retain ownership of the data you submit to our website. You grant us a world-wide, royalty-free, non-terminable license to use, copy, distribute, publish and transmit such data in any manner.

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 link to us 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.

Site Access

We aim to be able to provide you with uninterrupted and unhindered access to our website and the content therein, but due to the dynamic nature of our site we can make no promises. We reserve the right to terminate, suspend or restrict your access to our website at any time, and we will not be liable if for any reason our site is unavailable at any time or for any period. Our website changes frequently due to our desire to provide you with the most up-to-date information and products available. For this reason, content on the site will change frequently and without warning to you, the consumer.

Our Liability

It is important for you to be aware that the material we make available on our website contains some information submitted to us by third parties (that is people or companies other than us). We believe these sources of data to be generally accurate and reliable, but sometimes they may not be. We use reasonable endeavours to ensure that the data on our website is accurate and to correct any errors or omissions as soon as practicable after being notified of them. However, we do not monitor, verify or endorse information submitted by these third parties for inclusion on our website, and you should be aware that such information may be inaccurate, incomplete or out of date.

Simplyfinance.co.uk makes no claims or representations as to the accuracy, completeness, or truth of any material contained on our site, and we do not accept liability for any errors or omissions, or for delays in the content or transmission of the data on our site. We also are not able to guarantee that our website or the data on it will be fault free, uncorrupted or free of viruses which may harm your computer.

Your Liability

If you use our website, we think it is reasonable to expect that you will adhere to these terms and conditions. If we think you have breached any of these terms, or if you have displayed inappropriate conduct when using our website, we may take measures to terminate or suspend your access to our website. If your use of our website causes us to suffer any loss or damage, you will be responsible for reimbursing these costs.

You warrant that you have taken all reasonable precautions to ensure that any data you submit to our website is true, accurate, virus free and free of anything else which may have a contaminating or destructive effect on any part of our website or any other technology.

Disclaimer of warranties

Please visit our 'Disclaimer' page for this information.


2. SimplyFinance Answers

Our Answers 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 Answers service.

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 Simplyfinance.co.uk.

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. Simplyfinance.co.uk is entered into the Data Protection Act's register, number Z1733374. This shows our commitment to protecting your data. Visit our Privacy Policy for more details about this, or do get in touch if you would like further details.

Please also note that 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.

Answers content

SimplyFinance does not guarantee the accuracy or veracity of any question or answer posted on our Answers service. The service is provided for informational purposes only and with the understanding that Simplyfinance.co.uk is not engaged in the provision of any financial, legal or other professional service.

Although it is assumed that all parties using the service do so in good faith and with the intention of assisting other community members, the information provided in the service may be time-sensitive, and this may impact on both the relevance and on the accuracy of the information. Furthermore, we ask that you bear in mind that the information provided as an answer to a particular question may contain guidance that is specific to the financial circumstances of the question asker.

Although this service is made available for communal benefit, it is important to remember that sometimes messages are posted that are misleading, deceptive, or otherwise inaccurate. You should not therefore rely on information being accurate or complete. If you do, you do so at your own risk. Please note that any posting of information on the service is the opinion of the person posting only and in no way reflects our opinions or attitudes.

Legal Liability of SimplyFinance

The Answers service is provided "as is" and Simplyfinance.co.uk disclaims all warranties and representations of any kind. By using the Answers service, you agree that SimplyFinance.co.uk will not be liable for any losses or damages sustained by you or others in reliance, or based on any information posted on the service.

Legal liability of advisors

Confidentiality; Use of Information. The questions or comments you submit and the responses you receive do not form the basis for a professional-client relationship, and are not subject to standards or requirements of confidentiality and/or privilege associated therewith.

No Reliance on Term "Expert." Throughout this Site, certain terms, including "Expert", "Specialist", "Consultant" or "Advisor" may be used to refer to someone who claims to have certain knowledge, background or experience that may be useful in responding to a question posed by a user. Use of such terms provides no assurance that the person answering your question has any expertise or qualifications to give such advice. You acknowledge that Simplyfinance has not and cannot independently verify their qualifications.

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 simplyfinance.co.uk 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 simplyfinance.co.uk the non-exclusive copyright licence described above.

Last updated: 15/09/2015