These Terms & Conditions of Use (the Terms) set out the Terms by which you may make use of our website moneysavingadvisors.co.uk (the Website). Use of the Website includes accessing, browsing, or registering to use the Website.

It is important that you carefully read these Terms before you use the Website, as they apply to your use of the Website. Please feel free to download or print a copy of these Terms for your own future reference. It is your responsibility to ensure you are aware of the nature of these Terms and how they may affect your use of the Website.

By using the Website, you confirm that you accept these Terms and that you agree to comply with them. If you do not agree to these Terms, you should exit the Website immediately and we request that you do not use our service.

For information on how we use personal data that we may collect through the Website and/or in relation to the services that we provide via the Website please see our Privacy Policy. For details on our use of Cookies please see our Cookies Statement contained within our Cookies Policy. Both our Privacy Policy and our Cookies Statement are incorporated by reference into this document.

Moneysavingadvisors.co.uk is a lead generation website which introduces inquirers seeking advice to firms. Moneysavingadvisors.co.uk is not authorised to give advice and we are not liable for an advice provided by, or obtained through a third party.

1. About us

Money Saving Advisors Ltd is licensed by the Information Commissioners Office, (Registration Number A8489067), Registered in the UK, number 10726961. Registered Office Address: Regents Pavilion, Moulton Park Industrial Estate, Northampton, England, NN3 6BJ

2. Our Service for Regulated Financial Services

We introduce consumers to other firms who provide regulated financial services to consumers.

Our involvement is merely to inform and connect. Consumers can choose to engage with us and our role will be to put inquirers in touch with an appropriate business that can offer them regulated advice, make arrangements for them and provide ongoing advice and support if needed. We offer this service to anyone wishing to inquire about financial planning services, loans, mortgage or insurance including mortgages, secured loans, personal loans, equity release or lifetime mortgages, pensions, life insurance and health insurance.

3. Our Service for Non-Regulated Services

We introduce consumers to other firms who provide services to consumers.

Our involvement is merely to inform and connect. Consumers can choose to engage with us and our role will be to put inquirers in touch with an appropriate business that can offer them advice, make arrangements for them and provide ongoing advice and support if needed. We offer this service to anyone wishing to inquire about estate planning including wills, trusts and lasting power of attorney.

4. No Advice

We will not make a personal recommendation for you, any information we provide is for guidance purposes only and should not be construed as personalised advice. We may ask you some questions or obtain details from you to help us direct your inquiry to the right type of provider who either can fulfil your needs or signpost you to further free information.

5. No products

We do not sell, arrange or review financial products. You cannot buy a product from us. Our role is to merely direct you to and assist you in obtaining advice and/or products from a bonafide regulated entity.

6. No charges

Inquirers will not be charged for our services.

7. How we make money

We will either receive a fee for introducing you to a firm, or a commission (at no cost to the inquirer) should you buy a product and/or service from the firm.

8. Accessing the website

• Access to the Website is permitted on a temporary basis, and we reserve the right to withdraw or amend the service which we provide on the Website without notice (see below). We will not be liable if for any reason the Website is unavailable at any time or for any period.
• From time to time, we may restrict access to some parts of the Website, or the entire Website, to users who have registered with us.
• We improve our products and advertising by using Microsoft Clarity, Mouseflow and Google Analytics to see how you use our website. By using our site, you agree that we and Microsoft, Mouseflow and Google can collect and use this data.

9. Intellectual property rights

• All Intellectual Property Rights (including, without limitation, all database rights, rights in designs, rights in know-how, patents and rights in inventions (in all cases whether registered or unregistered and including all rights to apply for registration) and all other intellectual or industrial property rights in any jurisdiction) in any information, content, materials, data or processes contained in or to this website belong to Money Saving Advisors Ltd or its licensed source. All rights of Money Saving Advisors Ltd in such Intellectual Property Rights are hereby reserved.
• You may print off a copy, and may download extracts, of any page(s) from the Website for your personal use.
• You must not modify the paper or digital copies of any materials you have printed off or downloaded in any way, and you must not use any illustrations, photographs, video or audio sequences or any graphics separately from any accompanying text.

10. Accuracy Of Information

• Money Saving Advisors Ltd does not represent that the information contained in this website is accurate, comprehensive, verified or complete, and shall accept no liability for the accuracy or completeness of the information contained in this website or for any reliance placed by any person on the information.
• We aim to update our site regularly and may change the content at any time. If the need arises, we may suspend access to our site, or close it indefinitely.
• We reserve the right to change these terms and conditions at any time by posting changes on the website. It is your responsibility to review the website terms and conditions regularly to ensure you are aware of the latest terms and conditions. Your use of this website after a change has been posted will be deemed to signify your acceptance of the modified terms and conditions.

11.a Our Best Price/Deal/Quote Guarantee (Life & Health Insurance)

Where “Best Price Guarantee” is mentioned, we guarantee you’ll get the best price on your insurance policy, if not, we’ll give you double the difference in your 1st year premiums (calculated between your like for like lowest quote and our intermediaries like for like lowest quote), as an Amazon Gift Card, to a maximum value of £250. The following Terms and Conditions to this offer:

• You must be a UK resident over the age of 18 and provide government approved and verified identification in the form of scanned or electronic copy.
• The quote must be in the form of an underwritten quote, of which, evidence must be provided by sending a copy of the providers actual quote either by post or by email in the form of a scanned or electronic copy.
• The quote must be based on like for like “advised sales” insurance
• The quote must be based on exactly the same options and conditions
• A copy of all medical/lifestyle information must be provided to confirm quotations are on a “like for like” basis.
• Money Saving Advisors must be given an opportunity to beat the quote at the point of claim for a period of 7 days following the date of claim
• The lower quotation must be less than 5 days old.
• Payout will be 6 months after the claimant has taken out the policy and provides evidence of all policy premiums paid up to date
• This offer is valid until 31st December 2024. We reserve the right to vary, withdraw or extend this offer at any time.

11.b Our Best Rate Guarantee (Mortgages)

Where “Best Rate Guarantee” is mentioned, we guarantee you’ll get the best mortgage rate for your personal circumstances from the whole market, if not, we’ll give you a £250 Amazon voucher. The following Terms and Conditions to this offer:

• You must be a UK resident over the age of 18 and provide government approved and verified identification in the form of scanned or electronic copy.
• The quoted rate must be in the form of an personalised illustration, of which, evidence must be provided by sending a copy of the providers actual quote either by post or by email in the form of a scanned or electronic copy.
• The quote must be based on exactly the same options and conditions (such as loan amount, term and product type)
• The quote must be from a UK FCA authorised lender and in pounds sterling
• A copy of all  information must be provided to confirm quotations are on a “like for like” basis.
• Money Saving Advisors must be given an opportunity to beat the quote at the point of claim for a period of 14 days following the date of claim
• The lower quotation must be less than 5 days old.
• This offer is valid until 31st December 2024. We reserve the right to vary, withdraw or extend this offer at any time.

11.c Our Mortgage Approval Guarantee

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• Enquiry must be made through theMoney Saving Advisors website through an online form.
• The initial application with a 3rd party must not have started before being declined by an advisor matched by Money Saving Advisors.
• Must have proof of a full mortgage offer from a 3rd party.
• Full mortgage offer must have been made by a 3rd party within 1 week of being declined by an advisor matched by Money Saving Advisors.
• Only valid on cases declined by an advisor matched by Money Saving Advisors where decline happened within 4 weeks of initial enquiry creation date.
• Not being matched to an advisor or no contact from an advisor does not constitute an offer being declined.
• Only one claim per person with a maximum value of £100
• This offer is valid until 31st December 2024. We reserve the right to vary, withdraw or extend this offer at any time.
• Money Saving Advisors reserves the right to decline a claim if any of the above conditions have not been met or can’t be evidenced by the customer.

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11.d Our Best Rate Guarantee for Pension Annuity

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• We will send an pre-paid card with a maximum value of £125 if our network of advisors cannot either match or improve an alternative annuity rate that a client has been able to find elsewhere. This is subject to the following:
• Applicable to money purchase benefits only, excluding those with a guaranteed annuity rate, guaranteed minimum pension or underpinned by any form of defined benefit.
• Minimum fund size £30,000 after tax-free cash.
• The alternative annuity rate must be in the form of a guaranteed, underwritten annuity quote, of which, evidence must be provided by sending a copy of the providers actual quote either by post, fax or by email in the form of a scanned or electronic copy.
• The alternative annuity rate must be based on exactly the same annuity options.
• A copy of all medical/lifestyle information must be provided to confirm quotations are on a “like for like” basis.
• Money Saving Advisors must be given an opportunity to beat the alternative annuity rate at the point of claim.
• The higher annuity quotation must be less than 5 days old.
• This offer is valid until 31st December 2024. We reserve the right to vary, withdraw or extend this offer at any time.
• Money Saving Advisors reserves the right to decline a claim if any of the above conditions have not been met or can't be evidenced by the customer.

11.e Our Best Price Guarantee for Income Protection Insurance

Where “Best Price Guarantee” is mentioned, we guarantee you’ll get the best price on your insurance policy, if not, we’ll give you £125 as an Amazon Gift Card. The following Terms and Conditions to this offer:

• You must be a UK resident over the age of 18 and provide government approved and verified identification in the form of scanned or electronic copy.
• The quote must be in the form of an underwritten quote, of which, evidence must be provided by sending a copy of the providers actual quote either by post or by email in the form of a scanned or electronic copy.
• The quote must be based on like for like “advised sales” insurance
• The quote must be based on exactly the same options and conditions
• A copy of all medical/lifestyle information must be provided to confirm quotations are on a “like for like” basis.
• Money Saving Advisors must be given an opportunity to beat the quote at the point of claim for a period of 7 days following the date of claim
• The lower quotation must be less than 5 days old.
• This offer is valid until 31st December 2024. We reserve the right to vary, withdraw or extend this offer at any time.

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12. Liability

We cannot guarantee that the Provider will offer a solution. This may be as a result, directly or indirectly, of a systems problem, issues which are unforeseeable or outside of Our control or that of the Providers, or because information has been provided incorrectly. Accordingly, We shall not be liable for any loss You may suffer unless We have been negligent or not acted in accordance with these Terms and Conditions or unless otherwise required by UK law. In the event that You do not use this form with reasonable care and in accordance with these terms and conditions or We discover or are notified that You are using this form fraudulently, We, and or, the Provider reserve the right to charge You for any reasonable costs that We may incur in taking action to stop You using the form and recover any monies owed as a result of Your activities.

13. Communication

Unless stated otherwise We may contact You via means of telephone, SMS, post or email to provide information and alerts relating to Your application and or services We think may be of interest to You.

14. Customer checks

Information provided by You must always be true and accurate, as misleading information will be regarded as a breach of Our terms and is likely to breach any agreement You have entered into with a Provider. Misleading information may also result in the instigation of criminal procedures against You.

Information about You (including Your visits to the Website) We will only process information about You in accordance with the privacy policy. When You use Our website and form You consent to us processing Your personal information and therefore warrant that all information/data provided by You is accurate and correct.

By submitting an Application Form or Quote Request you authorise our Advertising Partners to take all such steps as are deemed necessary to independently verify any and all information contained in your Application Form and check your credit worthiness. You understand that these checks may include contacting Credit Reference Agencies (CRAs), fraud and money laundering preventing agencies and the electoral register as well as providing them with information about you.

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15. Jurisdiction

The website & form is controlled and operated in the United Kingdom. These Terms and any non-contractual obligations arising out of or in connection with these Terms will be governed by the laws of England and Wales and You irrevocably agree to submit to the exclusive jurisdiction of the English courts.

16. Your Right to be Forgotten / Erasure Of Your Personal Information

Under the General Data Protection Regulation (GDPR), all individuals have the right to request the deletion or removal of personal data (the right to be forgotten) under the following circumstances:

• Where the personal data is no longer necessary in relation to the purpose for which it was originally collected/processed.
• When the individual withdraws consent.
• When the individual objects to the processing and there is no overriding legitimate interest for continuing the processing.
• The personal data was unlawfully processed (i.e. otherwise in breach of the GDPR).
• The personal data has to be erased in order to comply with a legal obligation.
• The personal data is processed in relation to the offer of information society services to a child.

There are some circumstances where the right “to be forgotten” does not apply i.e. where we need to comply with a legal obligation.

If you wish to request your “right to be forgotten” please email: compliance@moneysavingadvisors.co.uk

Our marketing partners will also be informed of your request

17. Complaints

We endeavour to make every effort to ensure Our service to You is excellent; however, if You wish to make a formal complaint, please send Your complaint via email to compliance@moneysavingadvisors.co.uk or by writing to the following address: The Compliance Manager, Money Saving Advisors Limited, Regents Pavilion, Moulton Park Industrial Estate, Northampton, England, NN3 6BJ.