Terms and conditions

Updated on: 18/01/2019

1. General

1.1 Hello and welcome to themoneystore.co. Please read these Terms & Conditions before using Our Website, because by continuing to use Our Website You are agreeing to be bound by them. 1.2 To use Our Website You must be 18 years or older and You’ll need to be a UK resident. 1.3 themoneystore.co is a free to use Website which helps you find the right loan with smart matching software. 1.4 The aim of the themoneystore.co Website is to aid You in finding a loan. We do not lend money. The price and any terms and conditions that apply will depend on individual Providers and they are entirely responsible for deciding whether or not to approve any application You make. 1.5 We do not issue advice of any kind and nothing on the Website should be considered a recommendation or endorsement of Providers or Products. The only thing We recommend is that You seek financial advice from a qualified professional, to verify the information that You find on Our Website and wish to rely upon. 1.6 From time to time, We may change or update these Terms & Conditions. If We do, the updated or amended Terms & Conditions will be posted to this page. 1.7 If any provision of these Terms & Conditions are held to be unlawful, invalid or unenforceable, that provision shall be deemed deleted, and the validity and enforceability of the remaining provisions shall not be affected. 1.8 These Terms & Conditions, together with Our Privacy Policy and Cookie Policy, constitute the entire agreement between You and Us relating to Your access to and use of themoneystore.co and supersede any prior agreements. 1.9 No failure or delay by Us in exercising any right under these Terms & Conditions will operate as a waiver of that right nor will any single or partial exercise by Us of any right preclude any further exercise of any right. 1.10 These Terms & Conditions shall be governed and interpreted in all respects, in accordance with the laws of England and Wales.

2. About Us

2.1 themoneystore.co is a trading name of 174 Projects Limited and is an Introducer Appointed Representative of the following companies: Nouveau Finance Limited (FRN: 727348), Choose Wisely Limited (FRN: 730574). 2.2 174 Projects Limited is registered in the UK at 20A Alum Chine Road, Bournemouth, Dorset, BH48DX (Registered Company Number 11739933). 2.3 174 Projects Limited is registered with the Information Commissioner’s Office (Registration Number ZA485865).

3. Definitions

In these Terms & Conditions: Consumer Rating means a review and/or star rating submitted by a user of either themoneystore.co or trustpilot.com; Credit Reference Agency means a company which collects information relating to Your credit usage; Product means any third party bank account, business loan, credit card, personal loan, or prepaid debit card displayed on Our Website; Provider means a financial services Provider supplying one or more Products; Quote means a price relating to a Product provided by a Provider for comparison with other Quotes, on the basis of the information You have provided; Tools means interactive features of themoneystore.co including the Budget Planner, comparison tables, ClearChoice, the Eligibility Checker, the Loan Calculator, the Money for the Many email signup at the foot of each page, Our Product pages, the Simple Loan Search, Switch & Autosave and Our WiseGuides; We, Us and Our means themoneystore.co or themoneystore.co or belonging to themoneystore.co or themoneystore.co, both trading styles of themoneystore.co Limited; Website means pages, Tools and content available at themoneystore.co; and You, Your means You or belonging to You, the user of Our Website. 4. Your obligations

4.1 themoneystore.co may be accessed for personal use. The Website may also be used for business research purposes but only in the case of personnel working for a regulatory body, trade body or similar. 4.2 Please ensure that all information You enter into themoneystore.co is complete and accurate. Entering inaccurate data may result in inaccurate quotes being shown and in extreme cases, Providers may consider inaccurate application data to be fraudulent. Please double-check Your information before submitting it.

10. Reasonable Use

10.1 You are permitted to use themoneystore.co on the condition that You will not do anything to affect the integrity or security of the Website or that may cause harm, damage or unreasonable inconvenience to any other user of the Website. 10.2 You are not permitted to gather, extract, download, reproduce or display any material from this Website, including but not limited to information relating to prices. You are strictly forbidden from using spiders, data mining, trawling, screen scraping or any other software or system used to extract data. 10.3 Any breaches of the above will result in action including denying You access to this Website, bringing legal proceedings against You and disclosures to the appropriate authorities and regulatory bodies.

11. Intellectual Property

11.1 The information, content, material and data displayed on themoneystore.co belongs to Us or Our licensor. You may temporarily print, copy, download or store extracts of information, content, material or data displayed on this Website for Your own personal use. You may not use information, content, material and data taken from Our Website for any commercial purposes and You may not commercially exploit, publish, distribute, extract or reproduce without Our prior written consent. 11.2 You will retain ownership of any views, opinions, reviews, ratings, rantings, ravings, comments, content or material You submit, display, distribute, upload, post, share, publish, or otherwise make publicly available on or through Our Website. You grant Us an indefinite, irrevocable, transferable, worldwide, royalty-free and unlimited licence to use, modify, keep, share, sell, save, copy, distribute, publish, display, excerpt, reproduce, utilise, extract, make available, print out and marvel at and transmit such content in any manner and for any purpose. 11.3 Certain names, words, titles, phrases, logos, icons, graphics or designs to the pages of this Website may constitute trademarks or unregistered trademarks of themoneystore.co Limited. The display of any of the above trade names or trademarks on pages of this Website does not imply that any licence has been granted to any third party in respect of the same. All other company names and devices, logos, icons, graphics, or designs referred to on the pages of this Website are the trademarks of their respective owners and are exhibited only in such a manner as is intended to be for the benefit of such trademark owners and themoneystore.co Limited intends no infringement of such trademarks. The appearance or absence of Products, services, companies, organisation, home pages or other Websites on this Website does not imply any endorsement or non-endorsement thereof by themoneystore.co Limited. All rights not expressly granted herein reserved by themoneystore.co Limited. 12. Privacy Policy We comply with all applicable data protection legislation in respect of the personal data We collect from You. If You decide to enquire about, apply for or purchase a Product featured on Our Website, You will be directed to the Website belonging to the relevant Provider. If You provided any personal data in an application form on themoneystore.co, this may also be passed to the Provider to allow them to deal with Your request. Providers will have their own privacy policies which You should review. You can view Our Privacy Policy here.

13. Third party Websites

themoneystore.co contains links to Websites operated by third parties. The operation and content of those Websites are determined by those third parties and will be governed by separate terms and conditions. We do not accept responsibility or liability for the content of any third party Website, as this is outside of Our control.

14. Jurisdiction

These Terms & Conditions are governed by and subject to the laws of England and Wales. Any disputes under or relating to these terms or the Website will be subject to the exclusive jurisdiction of the English courts.

15. Complaints

We want You to be really happy with the service We provide on Our Website and if You’re not entirely happy, We’ll do everything We can to put it right. If You do wish to make a formal complaint, You’ll find instructions on how to do so on Our complaints page, that you can find here.

16. Indemnity, Disclaimer, Warranties & Liability

16.1 By using Our Website, You agree to indemnify, defend and hold harmless; Us, Our directors, officers, employees and licensor from and against any claim, liability, cost, damage or loss We may incur (including reasonable legal fees) as a result of any material that You post or transmit on Our communication forums or via Our communications systems, any actions You take that disrupt access and/or the functioning of Our site or any breach by You of Your obligations under these terms. 16.2 themoneystore.co shall not be liable for any direct or indirect, special, incidental or consequential damages, including the loss of profits, business revenue or goodwill arising from the use or access of or inability to use or access, interruption or availability of this Website, its operation or transmission, computer viruses, loss of data or otherwise in respect of its use. 16.3 Any exclusions or limitations or restrictions of liability contained in these terms of use and access of this Website shall be subject to the qualification that nothing contained in any such exclusion or limitations or restrictions of liability shall operate to exclude or restrict any duty or liability of themoneystore.co to any person which it has under the Financial Services and Marketing Act 2000 or its amendments. 16.4 The information, materials and functions contained in this Website including text, graphics, links or other items are provided on an ‘as is’ basis excluding any warranty whatsoever, express or implied, including but not limited to warranties of satisfactory quality, fitness for a particular purpose or freedom from computer viruses. themoneystore.co excludes any liability for any errors in or omissions from information, materials and functions included in this Website or any third party Websites linked to or from this Website.

17. Implementation of Policy

This Policy shall be deemed effective as of 17/01/2019. No part of this Policy shall have retroactive effect and shall thus apply only to matters occurring on or after this date.

Warning: Late repayment can cause you serious money problems. For help, go to moneyadviceservice.org.uk