Terms and conditions

Below are important points you need to know about MoneyGuru.com and the service we provide. We request that you read the following terms and conditions before using our comparison service and MoneyMatcher form, to ensure you are satisfied with the service we offer.

If, after reading our terms and conditions, you do not agree with the content, we request that you do not use our service.

Definitions

'Terms' means these terms and conditions.

'Users' means the users of the website.

'User Information' means the details provided by You on any application via the website.

'MoneyMatcher' means our hosted form which is MoneyGuru.com embedded within.

'We/Us/Our' means Money Guru Limited.

'Website' means the website (or any subsequent URL which may replace it) that is used to access our form.

'You/Your/Customer' means a user of the website.

'Service' means the process in which Money Guru Limited matches your application with a lender or finance provider.

'Money Guru' means Money Guru Limited.

'Lender/Provider' means the third-party company who may provide you with a loan, loan brokerage service or another financial service.

About us

Money Guru Limited is an Appointed Representative of Quint Group Limited, and is entered on the Financial Services Register under reference number: 740565. Quint Group Limited is authorised and regulated by the Financial Conduct Authority and is entered on the Financial Services Register under reference number: 669450. Money Guru Limited is registered in England and Wales (company number 09842787), Registered Office; Glasshouse, Alderley Park, Nether Alderley, Cheshire, SK10 4ZE. Licenced by the Information Commissioner's Office, (registration number ZA188630).

Money Guru Limited is an Introducer Appointed Representative (IAR) of Fluent Mortgages Limited who is authorised and regulated by the Financial Conduct Authority. Firm registration number 458914.

As we will be providing a service to you, we will have no obligation to any other party. Please also be aware that if a third party uses our services on behalf of you, our obligation will still be with you, being our customer. Furthermore, the terms and conditions will also relate to you, our customer, and not with any other third parties.

Our service

MoneyGuru.com is owned and operated by Quint Group Limited.

We are not a lender or provider and therefore will not provide finance directly to you. We provide an online credit card, loan, mortgage, life insurance and credit report introduction and comparison service. The comparison tables allow you to view and compare a large number of products and services online, and apply for them on the lender's or provider's own websites.

We also provide a loan and credit card matching service called moneymatcher, where we introduce you to lenders or providers of financial services. By submitting an application through our moneymatcher form you will be giving your consent for Money Guru to match your application with one of the lenders or providers on our panel. Once you have completed the moneymatcher application you will be presented with the products you are most eligible for based on the lender or provider’s criteria and the information you have entered into the MoneyMatcher form... From that point on you can review the options displayed and click on ‘Apply now’ if there is an option you wish to apply for. When you click on ‘Apply now’ you will be redirected to the lender or provider’s website to complete your application.

There is no obligation for you to take up the loan or service with them. You should read their conditions carefully and make a responsible decision on whether you believe their service is right for you. If you have any questions or are unsure, you should contact the lender or provider before taking out any service or loan with them.

Any examples of amounts available to borrow, terms (repayment periods) or rates stated on the comparison pages are given purely as a representative example relating to the product. These representative examples are stated to give you an understanding of the products available. Representative examples are not given as a figure of what you will actually be offered by the lender/finance provider and therefore cannot be given as a guarantee. Nor can they be used as any kind of warranty. As we do not provide the loan or financial service directly to you we are unable to control the representative rate examples contained on the website. Please also be aware that the decision to offer any loan or financial service is made by the lender or finance provider and we have no control over the decision making.

The lender/finance provider will conduct an assessment on you before any decision or offer is made; this may include a full assessment of your credit history, both past and present. For further information about how your details will be used please see the rest of our Privacy Policy here and Experian's terms and conditions here.

You must be at least 18 years of age and resident and situated in the UK to use our website, or over 13 years of age to use our 'current account for teenagers' section. By using our website and by agreeing to these terms and conditions you warrant and represent that you meet these requirements and are resident and situated in the UK.

Customer checks and referencing

Credit checks and credit reference agencies can also help prevent fraudulent applications, so we ask you to agree to us using data provided for the purposes of preventing fraud and ensuring your identity is protected.

Upon application, Money guru, the lender or finance provider may use both fraud prevention and credit referencing agencies to help make relevant decisions.

Money Guru Limited may use credit scoring facilities and credit referencing agencies to determine how eligible you are for the products offered. Money Guru Limited and credit referencing agencies will place a search of the application on your credit file, whether or not you decide to apply for the product. This will be marked as a “quotation” search and will not affect your ability to gain credit.

If you choose to proceed to apply for a product from the list of offers, the supplier you choose will carry out its own identification and credit checks as part of its ordinary application process. Your credit file will not be provided to any third party credit provider at any point during this process (unless you subsequently agree).

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 lender or finance provider. Misleading information may also result in the instigation of criminal procedures against you.

If you have authorised any third parties to act on your behalf any information given by the third party will be contractually binding on you. Should you choose to make a joint application for a loan or finance via the website, each party will be dealt with as a client acting with the consent of the other, and if correspondence is entered into with one party of the joint application, it shall be assumed that the communication is with both parties.

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.

Upon using Moneymatcher, a soft credit search is performed. This leaves a footprint on your credit file but will not affect your credit score. The details returned by the soft credit search help us match you to the most relevant products.

How we use your personal information

Information that is collected by us, Money Guru Limited, will be recorded electronically and may be used by us in the following ways:

1. To verify your identity, credit standing and to enable us to consider and process your application for a loan or other products or services.
2. To assess your credit history and confirm your employment details.
3. To extract certain information for generating statistics for our own internal purposes (including credit and/or behaviour scoring, and market and product analysis).
4. To detect, prevent and investigate actual and potential fraud and related activities.
5. To develop, manage and market products and services to meet your needs; and to contact customers regarding products and services that may be of interest; and to determine the eligibility for different products and services that you may be interested in.
6. To contact you in connection with your enquiry.
7. To update this website to better meet your needs in the future.
8. To help Money Guru Limited carry out admin and service your account.
9. As some of our affiliates who form part of our group are based outside the UK, we may use your information outside the UK. If we do so, we ensure that established levels of protection are in place.
10. Your data may be used for other purposes, including but not limited to, data validation, enhancement, information verification, identity verification, suppression, tracing, and to the extent permitted by law, individual reference or lookup services, by LexisNexis and selected third parties.

Communication

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

Intellectual property rights

The copyright and material on this website and form is owned by Money Guru Limited and is protected by the copyright and trademark laws of the United Kingdom. You are permitted to copy any information for your own personal use but may not republish, store or reproduce any information in any manner, including but not limited to electronic reproduction, without the prior written consent of Money Guru Limited.

Any unauthorised downloading, retransmission, or other copying or modification of any of the contents of this form, may be in breach of statutory or common law rights which could be the subject of legal action. Money Guru Limited disclaims all liability that may result from any unauthorised reproduction or use of the information on this form.

Liability

We cannot guarantee that the lender or finance provider will authorise any particular loan application. 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 lender or finance 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, the lender or finance 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.

Compliance

The form may only be used for lawful purposes and in a lawful manner. You agree to comply with all applicable laws, statutes and regulations regarding the form and its use. You agree not to upload, or transmit through the form, any computer viruses or anything else designed to interfere with, interrupt or disrupt the normal operating procedures of a computer; and any material which is defamatory, offensive or of an obscene character.

Jurisdiction

The website and 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.

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 it via email or in writing to the following addresses: email us at [email protected] or write to: The Compliance Manager, Money Guru Limited, Glasshouse, Alderley Park, Nether Alderley, SK10 4ZE