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1.1 These terms and conditions shall govern your use of our website.
1.2 By using our website, submitting any data to our website or using any of our website services, you accept these terms and conditions in full; accordingly, if you disagree with these terms and conditions or any part of these terms and conditions, you must not use our website.
1.3 You must be at least 18 years of age to use our website; by using our website or agreeing to these terms and conditions, you warrant and represent to us that you are at least 18 years of age.
2 Copyright notice
2.1 Copyright (c) 2023 MoneySpider.com.
2.2 Subject to the express provisions of these terms and conditions:
(a) we, together with our licensors, own and control all the copyright and other intellectual property rights in our website and the content on our website; and
(b) all the copyright and other intellectual property rights in our website and the content on our website are reserved.
3.1 MoneySpider.com is a trading style of Visionary Markets Ltd, which is authorised and regulated by the Financial Conduct Authority (FCA FRN 710569).
3.2 Under the Financial Services and Markets Act 2000, should the company be unable to meet all its liabilities to policyholders, compensation may be available. Information can be obtained by visiting the Financial Services Compensation Scheme website at www.fscs.org.uk.
3.3 Information about the product you choose, such as the minimum term, the existence or absence of a right to cancel, and any early termination rights and penalties, will be provided in the relevant product disclosure information. This will be supplied to you before you conclude any contract.
3.4 This website is designed to provide you with information and quotes to choose an product that suits your needs. We do not provide any advice whatsoever. Nothing within the website is, or shall be deemed to constitute, financial or other advice or a recommendation to purchase any product or service. You should always check the suitability, adequacy and appropriateness of the product or service that is of interest to you and it is your sole decision whether to obtain or refrain from obtaining any product or service.
By submitting your details, you are making an offer to obtain the relevant product or service from the relevant third party on its terms and conditions that may be accepted or rejected. The contract for the product or service will only be concluded once your offer has been accepted.
You must check and ensure that all information, content or data you provide on this website is correct, complete, accurate and not misleading and that you disclose all relevant facts. We do not accept any responsibility or liability for any loss or damage you may suffer or incur if any information, content or data you provide on this website is not correct, complete and accurate or if it is misleading or if you fail to disclose all relevant facts.
Before you obtain any product or service from a third party, you must check all of the information, content or data held by the third party about you to ensure it is correct, complete, accurate and not misleading and that you have disclosed all relevant facts. It is your responsibility to identify and correct any mistakes or errors in the information, content or data held by the third party about you before you obtain any product or service. Failure to do so could invalidate the product or service provided by the third party. We do not accept any responsibility or liability for any loss or damage you may suffer or incur if any information, content or data held by the third party about you is not correct, complete and accurate or if it is misleading or if you have failed to disclose all relevant facts.
3.5 As we cannot be held responsible for advice we have not given, you should be aware that your right to redress if the policy you choose turns out to be unsuitable for any reason will be limited.
3.6 You will not be charged for the use of this website, we receive a percentage of the premium as commission from the product provider with whom you place your business.
3.7 Any products purchased through this website will not be kept under review by us, however the product provider whom you place your business with may offer this as part of their services.
3.8 We do not review the whole of the market, we provide online quotes from a set panel of product providers.
3.9 We do not hold money on behalf of clients.
3.10 We are not responsible for the enforcement of any obligations arising out of a contract between you and any third party, and we will have no obligation to mediate between the parties to any such contract.
3.11 We may supply the information that you provide through the enquiry form to FCA authorised firms and/or selected Financial Technology (FinTech) companies that provide the introduction to the service providers.
3.12 MoneySpider.com, a trading name of Visionary Markets Ltd, is an insurance intermediary and credit broker who works on behalf of consumers.
3.13 Nothing in these terms or conditions excludes or limits our duties or any liability under the Financial Services and Markets Act 2000, as amended, (“FSMA”) or any conduct of business rules developed pursuant to FSMA.
3.14 All information we provide will be made clear and accessible to you. You will also be given the choice to receive the information in paper format, free of charge. If you would like a paper copy at any time then please let us know. At renewal we will rely on your existing choice.
3.15 It is important, that you read through all policy terms carefully including what you are covered for and any exclusions, limitations that apply.
4.1 Our aim is at all times to provide you with an excellent service. However, if you are unhappy with our service for any reason, please contact our Customer Services Team at the address detailed at the bottom of these terms, or by email to firstname.lastname@example.org.
4.2 Upon receipt of your complaint a dedicated complaint handler will contact you via email so we can resolve your complaint as soon as possible. When we provide a final response we will inform you of your right to refer the complaint to the Financial Ombudsman Service and you must do so within six months if not satisfied.
We will enclose a copy of the Financial Ombudsman Services explanatory leaflet when we send the final response. While we would always aim to complete an investigation within eight weeks, if, for any reason, our investigation is not concluded within this period, we will write to you again. We will inform you of the reasons for the further delay and advise that if you are not satisfied with our progress then you may refer the complaint to the Financial Ombudsman Service.
4.3 If we are unable to resolve your complaint through our internal complaints procedure, you may be able to refer it to The Financial Ombudsman Service at:
Financial Ombudsman Service,
Harbour Exchange Square,
London, E14 9SR;
Telephone: 0800 023 4567 or 0300 123 9123;
5 Licence to use website
5.1 You may:
(a) view pages from our website in a web browser;
(b) download pages from our website for caching in a web browser;
(c) print pages from our website;
(d) use our website services by means of a web browser,
subject to the other provisions of these terms and conditions.
5.2 Except as expressly permitted by Section 5.1 or the other provisions of these terms and conditions, you must not download any content from our website or save any such content to your computer.
5.3 You may only use our website for your own personal and business purposes, and you must not use our website for any other purposes.
5.4 Except as expressly permitted by these terms and conditions, you must not edit or otherwise modify any content on our website.
5.5 Unless you own or control the relevant rights in the content, you must not:
(a) republish content from our website (including republication on another website);
(b) sell, rent or sub-license content from our website;
(c) show any content from our website in public;
(d) exploit content from our website for a commercial purpose; or
(e) redistribute content from our website.
5.6 We reserve the right to restrict access to areas of our website, or indeed our whole website, at our discretion; you must not circumvent or bypass, or attempt to circumvent or bypass, any access restriction measures on our website.
6 Acceptable use
6.1 You must not:
(a) use our website in any way or take any action that causes, or may cause, damage to the website or impairment of the performance, availability or accessibility of the website;
(b) use our website in any way that is unlawful, illegal, fraudulent or harmful, or in connection with any unlawful, illegal, fraudulent or harmful purpose or activity;
(c) use our website to copy, store, host, transmit, send, use, publish or distribute any content which consists of (or is linked to) any spyware, computer virus, Trojan horse, worm, keystroke logger, rootkit or other malicious computer software;
(d) conduct any systematic or automated data collection activities (including without limitation scraping, data mining, data extraction and data harvesting) on or in relation to our website without our express written consent;
(e) access or otherwise interact with our website using any robot, spider or other automated means, except for the purpose of search engine indexing;
(f) violate the directives set out in the robots.txt file for our website; or
(g) use data collected from our website for any direct marketing activity (including without limitation email marketing, SMS marketing, telemarketing and direct mailing).
6.2 You must not use data collected from our website to contact individuals, companies or other persons or entities.
6.3 You must ensure that all the information you supply to us through our website, or in relation to our website, is true, accurate, current, complete and non-misleading.
7 Report abuse
7.1 If you learn of any unlawful content or activity on our website, or any content or activity that breaches these terms and conditions, please let us know.
7.2 You can let us know about any such content or activity by email to email@example.com.
8 Limited warranties
8.1 We do not warrant or represent:
(a) the completeness or accuracy of the information published on our website;
(b) that the content on the website is up to date; or
(c) that the website or any service on the website will remain available.
8.2 We reserve the right to discontinue or alter any or all of our website services, and to stop publishing our website, at any time in our sole discretion without notice or explanation; and save to the extent expressly provided otherwise in these terms and conditions, you will not be entitled to any compensation or other payment upon the discontinuance or alteration of any website services, or if we stop publishing the website.
8.3 To the maximum extent permitted by applicable law we exclude all representations and warranties relating to the subject matter of these terms and conditions, our website and the use of our website.
9 Limitations and exclusions of liability
9.1 Nothing in these terms and conditions will:
(a) limit or exclude any liability for death or personal injury resulting from negligence;
(b) limit or exclude any liability for fraud or fraudulent misrepresentation;
(c) limit any liabilities in any way that is not permitted under applicable law; or
(d) exclude any liabilities that may not be excluded under applicable law.
9.2 The limitations and exclusions of liability set out in this and elsewhere in these terms and conditions:
(a) are subject to Section 9.1; and
(b) govern all liabilities arising under these terms and conditions or relating to the subject matter of these terms and conditions, including liabilities arising in contract, in tort (including negligence) and for breach of statutory duty, except to the extent expressly provided otherwise in these terms and conditions.
9.3 To the extent that our website and the information and services on our website are provided free of charge, we will not be liable for any loss or damage of any nature.
9.4 We will not be liable to you in respect of any losses arising out of any event or events beyond our reasonable control.
9.5 We will not be liable to you in respect of any business losses, including (without limitation) loss of or damage to profits, income, revenue, use, production, anticipated savings, business, contracts, commercial opportunities or goodwill.
9.6 We will not be liable to you in respect of any loss or corruption of any data, database or software.
9.7 We will not be liable to you in respect of any special or indirect loss or damage.
9.8 You accept that we have an interest in limiting the personal liability of our officers and employees and, having regard to that interest, you acknowledge that we are a limited liability entity; you agree that you will not bring any claim personally against our officers or employees in respect of any losses you suffer in connection with the website or these terms and conditions (this will not, of course, limit or exclude the liability of the limited liability entity itself for the acts and omissions of our officers and employees).
10.1 You hereby indemnify us, and undertake to keep us indemnified, against any and all losses, damages, costs, liabilities and expenses (including without limitation legal expenses and any amounts paid by us to a third party in settlement of a claim or dispute) incurred or suffered by us and arising directly or indirectly out of your use of our website or any breach by you of any provision of these terms and conditions.
11 Breaches of these terms and conditions
11.1 Without prejudice to our other rights under these terms and conditions, if you breach these terms and conditions in any way, or if we reasonably suspect that you have breached these terms and conditions in any way, we may:
(a) temporarily suspend your access to our website;
(b) permanently prohibit you from accessing our website;
(c) block computers using your IP address from accessing our website;
(d) contact any or all of your internet service providers and request that they block your access to our website;
(e) commence legal action against you, whether for breach of contract or otherwise;
11.2 Where we suspend or prohibit or block your access to our website or a part of our website, you must not take any action to circumvent such suspension or prohibition or blocking.
12 Third party websites
12.1 Our website includes hyperlinks to other websites owned and operated by third parties; such hyperlinks are not recommendations.
12.2 We have no control over third party websites and their contents, and subject to Section 8 and Section 9 we accept no responsibility for them or for any loss or damage that may arise from your use of them.
13 Trade marks
13.1 Our logos and our other registered and/or unregistered trademarks are trademarks belonging to us; we give no permission for the use of these trademarks, and such use may constitute an infringement of our rights.
13.2 The third party registered and unregistered trademarks or service marks on our website are the property of their respective owners and, unless stated otherwise in these terms and conditions, we do not endorse and are not affiliated with any of the holders of any such rights and as such we cannot grant any licence to exercise such rights.
14.1 We may revise these terms and conditions from time to time.
14.2 The revised terms and conditions shall apply to the use of our website from the date of publication of the revised terms and conditions on the website, and you hereby waive any right you may otherwise have to be notified of, or to consent to, revisions of these terms and conditions; if you do not agree to the revised terms and conditions, you must stop using our website.
15.1 You hereby agree that we may assign, transfer, sub-contract or otherwise deal with our rights and/or obligations under these terms and conditions.
15.2 You may not without our prior written consent assign, transfer, sub-contract or otherwise deal with any of your rights and/or obligations under these terms and conditions.
16.1 If a provision of these terms and conditions is determined by any court or other competent authority to be unlawful and/or unenforceable, the other provisions will continue in effect.
16.2 If any unlawful and/or unenforceable provision of these terms and conditions would be lawful or enforceable if part of it were deleted, that part will be deemed to be deleted, and the rest of the provision will continue in effect.
17 Third party rights
17.1 A contract under these terms and conditions is for our benefit and your benefit and is not intended to benefit or be enforceable by any third party.
17.2 The exercise of the parties’ rights under a contract under these terms and conditions is not subject to the consent of any third party.
18 Entire agreement
18.1 These terms and conditions, together with our privacy and cookies policy, shall constitute the entire agreement between you and us in relation to your use of our website and shall supersede all previous agreements between you and us in relation to your use of our website.
19 Law and jurisdiction
19.1 These terms and conditions shall be governed by and construed in accordance with English law.
19.2 Any disputes relating to these terms and conditions shall be subject to the exclusive jurisdiction of the courts of England.
20 Our details
20.1 This website is owned and operated by Visionary Markets Ltd.
20.2 Our registered office is at Visionary Markets Ltd, Maghull Business Centre, 1 Liverpool Road North, Maghull, Merseyside, L31 2HB
20.3 You can contact us:
(a) by post, using the postal address given above;
(b) by email to firstname.lastname@example.org.