Our Terms

What follows below are important points which You need to know about Moneyguru.com and the service We provide. We request that You read the following terms and conditions prior to using our comparison service and MoneyMatcher form to ensure that You are satisfied with the service We can offer You.

If, after reading Our terms and conditions, You do not agree with the content then We request that You do not use Our service.

Definitions

“Terms” means these terms and conditions;

“Users” means the users of the Website collectively;

“User Information” means the details provided by You on any application via the Website;

“MoneyMatcher” means Our hosted form which is used by Moneyguru.com that it is embedded within;

“We/Us/Our” means Money Guru Limited;

“Website” means the Website or any subsequent URL which may replace it which 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 or a Loan Brokerage service and 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; Oxford House, Oxford Road, Macclesfield, Cheshire, SK11 8HS. Licenced by the Information Commissioners Office, (registration number ZA188630

As We will be providing a service to You, We will therefore have no obligation to any other party, only You. 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 We will not provide finance directly to You; We provide an online credit card, loan, mortgage, life insurance and credit report matching service. The comparison tables allow you, the User, 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 matching service called MoneyMatcher, We will 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. We will present Your application in real time to one or more of Our Lenders or Providers based on their lending criteria until such time as one of Our Lenders or Providers accepts Your application or all Lenders and Providers decline Your application. If a Lender or Provider accepts Your application You will be forwarded to a page on the Lender or Provider’s Website that they have requested We direct You to. It is important to understand that We will only forward you to Lender or Provider that has looked at Your application and accepted it as one they believe there is a good chance they can provide a loan or relevant services to You. It is also important to understand that We may be paid a fee by the Lender or Provider for introducing You to them and We may pay a portion of that fee to the Website owner that is using the iframe form as a service.

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 purely given 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 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.

Customer checks & referencing

Upon application the Lender or Finance Provider may use both fraud prevention and credit referencing agencies to help make relevant decisions.

Credit checks and credit reference agencies can also help prevent fraudulent applications so We ask You to agree to using data provided for the purpose of preventing fraud and ensuring Your identity is protected.

Money Guru Limited (and associated trading names) will not carry out any credit checks on any customer upon registering to our services, however, Monry Guru Limited and the finance providers/lenders they work with may use credit scoring facilities and credit referencing agencies to determine how eligible the customer is when making an assessment on the customer.

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 3rd 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.

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 customer’s identity and 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 the purpose of 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 our customers’ 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 our customers may be interested in.
  6. To contact you in connection with your enquiry.
  7. To update this website to better meet our client’s needs in the future.
  8. To help Money Guru Limited to carry out admin and service your account.
  9. As some of our affiliates who form part of our group are based outside of the UK then we may use your information outside the UK. If we do use your information outside the UK we ensure we have established levels of protection to ensure that your information is safeguarded.
  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 3rd parties.

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.

Intellectual property rights

The copyright and material on this website & 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 such information for Your own personal use but may not republish, store or reproduce any such 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 which 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 & 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 Your complaint via email or by writing to the following address: Email us at [email protected] or write to: The Compliance Manager, Money Guru Limited, Oxford House, Oxford Road, Macclesfield, Cheshire, SK11 8HS