finance friendly terms & conditions...

Our Terms and Conditions

These terms and conditions detail how theFinanceFriendly.co.uk website (the "Website") can be used. If you use the Website you agree to be bound by these terms and conditions.

General

The content of this Website is directed solely at those who access the site from the United Kingdom. We make no representation that any product or service referred to in this Website is available or otherwise suitable for use outside of the United Kingdom.

The Website is for your non-commercial, personal use only and must not be used for business purposes. For clarification this does not include the booking of travel for business purposes nor where the area of interest is business finance.

If any provision of this agreement is held to be unlawful, invalid or unenforceable, that provision shall be deemed severed and where capable the validity and enforceability of the remaining provisions of this agreement shall not be affected.

If we fail to enforce a right under this agreement, that failure will not prevent us from enforcing other rights, or the same type of right on a later occasion.

We may modify these terms and conditions at any time. Your continued use of the Website signifies your acceptance of such modifications.

Except as set out below in this clause, neither party may assign or transfer any of its rights under these terms and conditions without the prior written consent of the other.

We may assign or transfer our rights under this agreement pursuant to a re-organisation of trade or share sale.

Unless expressly provided in this agreement, no term of this agreement is enforceable pursuant to the Contracts (Rights of Third Parties) Act 1999 by any person who is not a party to it.

Data protection

We are committed to protecting your privacy. Our privacy practices are set out in our Privacy Policy.

Payment

All Payments for products and services will be made on the relevant provider's website.

Advertisements

The advertisements that you see displayed on this website are delivered on our behalf by a third party advertising company. No personal data for example your name, address, email address or telephone number are used during the course of serving our advertising, but, on our behalf, our third-party advertiser may place or recognize a unique "cookie" on your browser. This cookie does not collect personal data about you nor is it linked to any personal data about you.

Exclusion of liability for third party providers' products and services

You can apply for and buy a number of products and services via the Website. Please be aware that the majority of products and services that appear on the Website are not provided by us and are provided by third parties over whom we do not have control. You should satisfy yourself that you wish to purchase those products or services before contracting with the third parties. We accept no liability for any products or services or information provided by third party providers. The third party providers will be supplying products and services on their own standard terms and conditions and you should check that you agree to those terms and conditions before making an application for financial services products or purchasing other services.

As you view the Website there may be references to specific terms and conditions which apply to certain products or services . In such circumstances, it is your responsibility to refer to such terms and conditions applicable to those offers.

This clause does not affect your Statutory Rights as a consumer.

Disclaimer

Nothing within the 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. We strongly recommend that independent professional advice is obtained before you purchase any product and/or service via the Website.

Intellectual Property

The copyright and all other intellectual property rights in the material contained in the Website, together with the website design, text and graphics, and their selection and arrangement, and all software compilations, underlying source code and software (including applets) belongs to us or our licensors. All rights are reserved. None of this material may be reproduced or redistributed without our prior written permission. You may, however, download or print a single copy for your own non-commercial off-line viewing.

All rights in FinanceFriendly.co.uk are owned by FinanceFriendly.co.uk. Other product and company names mentioned on this Website are the trademarks or registered trademarks of their respective owners.

Access to the Website and content

We will endeavour to allow uninterrupted access to the Website, but access to the Website may be suspended, restricted or terminated at any time.

We reserve the right to change, modify, substitute, suspend or remove without notice any information or service on the Website from time to time.

We assume no responsibility for the content or services of any other websites to or from which the Website has links.

Credit Cards and Loans

The products displayed on the Website are examples of products currently available. Our selection as it appears on the Website and nothing in these terms and conditions constitutes advice or a recommendation to purchase a particular credit card or loan product

We receive commission and fees from certain lenders who advertise on or are linked to the Website. We retain the commission and fees and we do not charge you for the service we offer via the Website.

The Credit cards and loans Channels allow you to compare products and then links you to the relevant websites of certain mortgage lenders.

Please be aware that it is very important that before you apply for a loan or a credit card product you carefully read the terms on the application form which will include details of the interest rates applicable and any early redemption charges if relevant

In the event that you decide to apply for a loan or credit card product selected via the Website, the full documentation and other relevant details should be sent to you by the lender and not by us. It is the responsibility of the lender to provide all relevant documentation to you and we can accept no responsibility in the event that you do not receive the documentation requested or expected.

Insurance Policies

Please be aware that it is very important that before you buy any policy you carefully read the terms of the policy, the insurer's terms and conditions and any other relevant documentation which applies to the policy. We will aim to give you enough information so that you can make an informed decision about your insurance but you should not rely solely on the information provided within our insurance channel. You must familiarise yourself with all the details of the policy, for example, the restrictions, exclusions, conditions and obligations which apply to the policy. You must ensure that the policy matches your requirements and that you agree to the terms of the policy before you place an order to purchase any insurance product or service. We accept no responsibility whatsoever in the event that any policy purchased by you does not meet your requirements.

Insurers will use the information you input into the fact finding questionnaire to calculate their premium and any offer of insurance cover. It is your responsibility to ensure that such information and all other information you provide to the insurers (before cover begins and during the term of any policy you take out) is complete, accurate and not misleading. The information you supply maybe used to carryout certain credit checks through licensed credit-referencing agencies. This is used as part of the underwriting process for some of the insurers and a record of this search will be made. If you are in any doubt as to whether any information is relevant you should disclose it. If you do not provide all such information your selected insurer may be able to treat your insurance policy as if it never existed.

In the event that you decide to buy an insurance product or service, the confirmation of cover, the full policy documentation, details on how to make a claim and other relevant details should be sent to you by the insurer and not by us. For example, if there are any changes to your policy those changes should be communicated to you by your insurer. It is the insurer's responsibility to provide all relevant documentation to you and we can accept no responsibility in the event that you do not receive the documentation requested or expected.

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