TERMS AND CONDITIONS
BACKGROUND:
This agreement applies as between you, the User
of this Web Site and Money Matters, the owner(s) of this Web Site. Your
agreement to comply with and be bound by these terms and conditions is
deemed to occur upon your first use of the Web Site. If you do not agree
to be bound by these terms and conditions, you should stop using the Web
Site immediately.
1. Definitions and Interpretation
In this Agreement the following terms shall have
the following meanings:
“Content” means any text, graphics,
images, audio, video, software, data compilations and any other form of
information capable of being stored in a computer that appears on or forms
part of this Web Site;
“Learning Establishment” means any provider of education to
persons of any age including, but not limited to, schools, colleges, universities
and professional / adult education providers;
“Money Matters” means Money Matters whose principal office
is at Cornwallis House, Howard Chase, Basildon, Essex SS14 3BB;
“Service” means collectively any online facilities, tools,
services or information that Money Matters makes available through the
Web Site either now or in the future; All our products and services are
subject to the terms and conditions and disclaimers of the applicable
agreement governing their use.
“System” means any online communications infrastructure that
Money Matters makes available through the Web Site either now or in the
future. This includes, but is not limited to, web-based email, message
boards, live chat facilities and email links;
“User” / “Users” means any third party that accesses
the Web Site and is not employed by Money Matters and acting in the course
of their employment; and
“Web Site” means the website that you are currently using
(www.justmoneymatters.co.uk) and any sub-domains of this site) unless
expressly excluded by their own terms and conditions. The web site [www.justmoneymatters.co.uk]
is a broker of financial & insurance services provided by 3rd party
companies.
2. Intellectual Property
2.1 Subject to the exceptions in Clause 3 of these
Terms and Conditions, all Content included on the Web Site, unless uploaded
by Users, including, but not limited to, text, graphics, logos, icons,
images, sound clips, video clips, data compilations, page layout, underlying
code and software is the property of Money Matters, our business partners
or our affiliates. By continuing to use the Web Site you acknowledge that
such material is protected by applicable United Kingdom and International
intellectual property and other laws.
2.2 You may print, reproduce, copy, distribute, store or in any other
fashion re-use Content from the Web Site for as specified in Clause 4
of these Terms and Conditions and for personal or educational purposes
only unless otherwise indicated on the Web Site or unless given express
written permission to do so by Money Matters. Specifically you agree that:
2.2.1 You will not use the Content of the Web Site
for commercial purposes;
2.2.2 You will not systematically copy Content from the Web Site with
a view to creating or compiling any form of comprehensive collection,
compilation, directory or database unless given express written permission
to do so by Money Matters;
2.2.3 You may, as a student of a recognised Learning Establishment, use
the Content of the Web Site for educational purposes provided an appropriate
reference is given for all Content so applied using a suitable referencing
system of your choice or as stipulated by your Learning Establishment;
2.2.4 Employees of Learning Establishments may use the Content of the
Website for teaching purposes subject to the following conditions:
a) No further consent is required for use in not-for-profit Learning Establishments.
This may include, but is not limited to, schools that charge no fees for
tuition; and
b) For use in profit-making Learning Establishments, prior written consent
is required. This may include, but is not limited to, private schools
charging fees, universities and adult education providers.
3. Third Party Intellectual Property
Where expressly indicated, certain Content and the
Intellectual Property Rights subsisting therein belongs to other parties.
This Content, unless expressly stated to be so, is not covered by any
permission granted by Clause 2 of these Terms and Conditions to use Content
from the Web Site. The exceptions in Clause 4 continue to apply. Any such
Content will be accompanied by a notice providing the contact details
of the owner and any separate use policy that may be relevant.
4. Fair Use of Intellectual Property
Material from the Web Site may be re-used without
written permission where any of the exceptions detailed in Chapter III
of the Copyright Designs and Patents Act 1988 apply.
5. Links to Other Web Sites
This Web Site may contain links to other sites.
Unless expressly stated, these sites are not under the control of Money
Matters or that of our affiliates. We assume no responsibility for the
content of such web sites and disclaim liability for any and all forms
of loss or damage arising out of the use of them. The inclusion of a link
to another site on this Web Site does not imply any endorsement of the
sites themselves or of those in control of them
6. Links to this Web Site
Those wishing to place a link to this Web Site on
other sites may do so only to the home page of the site www.justmoneymatters
without prior permission. Deep linking (i.e. links to specific pages within
the site) requires the express permission of Money Matters. To find out
more please contact us by email at webmaster@justmoneymatters.co.uk.
7. Use of Communications Facilities
7.1 When using the application forms and / or any other System on the
Web Site you should do so in accordance with the following rules:
7.1.1 You must not use obscene or vulgar language;
7.1.2 You must not submit Content that is unlawful or otherwise objectionable.
This includes, but is not limited to, Content that is abusive, threatening,
harassing, defamatory, ageist, sexist or racist;
7.1.3 No Content that is intended to promote or incite violence;
7.1.4 It is advised that where appropriate all contact and communications
with Money Matters are made using the English language(s) as we may be
unable to respond to enquiries submitted in any other languages;
7.1.5 You must not post links to other web sites containing any of the
above types of Content;
7.1.6 The means by which you identify yourself must not violate these
terms of use or any applicable laws;
7.1.7 You must not engage in any form of commercial advertising. This
does not prohibit references to businesses for non-promotional purposes
including references where advertising may be incidental;
7.1.8 You must not impersonate other people, particularly employees and
representatives of Money Matters or our affiliates; and
7.1.9 You must not use our System for unauthorised mass-communication
such as “spam” or “junk mail”.
7.2 You acknowledge that Money Matters reserves the right to monitor any
and all communications made to us or using our System.
7.3 In order to use the application forms and any other communication
facility that may be added in the future on this Web Site, you are required
to submit certain personal details. By continuing to use this Web Site
you represent and warrant that:
7.3.1 Any information you submit is accurate and truthful; and
7.3.2 You will keep this information accurate and up-to-date.
8. Privacy
Use of the Web Site is also governed by our Privacy
Policy [www.justmoneymatters.co.uk] which is incorporated into these terms
and conditions by this reference. To view the Privacy Policy, please click
on the link above
9. Disclaimers
9.1 Money Matters makes no warranty or representation
that the Web Site will meet your requirements, that it will be of satisfactory
quality, that it will be fit for a particular purpose, that it will not
infringe the rights of third parties, that it will be compatible with
all systems, or that it will be secure.
9.2 Whilst every reasonable endeavour has been made
to ensure that all information provided on this Web Site will be accurate
and up to date, Money Matters makes no warranty or representation that
this is the case. We make no guarantee of any specific results from the
use of our services.
9.3 No part of this Web Site is intended to constitute advice and the
Content of this Web Site should not be relied upon when making any decisions
or taking any action of any kind.
9.4 The information on this Web Site is not designed with commercial purposes
in mind. Commercial use of the Content of this Web Site is forbidden under
Clause 2.2.1 of these Terms and Conditions. Any such use constitutes a
breach of these Terms and Conditions and Money Matters makes no representation
or warranty that this Content is suitable for use in commercial situations
or that it constitutes accurate data and / or advice on which business
decisions can be based.
9.5 Whilst every effort has been made to ensure that all descriptions
of services available from Money Matters correspond to the actual services
available, Money Matters is not responsible for any variations from these
descriptions.
10. Availability of the Web Site
The Service is provided “as is” and
on an “as available” basis. We give no warranty that the Service
will be free of defects and / or faults. To the maximum extent permitted
by the law we provide no warranties (express or implied) of fitness for
a particular purpose, accuracy of information, compatibility and satisfactory
quality.
Money Matters accepts no liability for any disruption or non-availability
of the Web Site resulting from external causes including, but not limited
to, ISP equipment failure, host equipment failure, communications network
failure, power failure, natural events, acts of war or legal restrictions
and censorship.
11. Limitation of Liability
11.1 To the maximum extent permitted by law, Money
Matters accepts no liability for any direct or indirect loss or damage,
foreseeable or otherwise, including any indirect, consequential, special
or exemplary damages arising from the use of the Web Site or any information
contained therein. Users should be aware that they use the Web Site and
its Content at their own risk.
11.2 Nothing in these terms and conditions excludes
or restricts Money Matters liability for death or personal injury resulting
from any negligence or fraud on the part of Money Matters.
11.3 Whilst every effort has been made to ensure
that these terms and conditions adhere strictly with the relevant provisions
of the Unfair Contract Terms Act 1977, in the event that any of these
terms are found to be unlawful, invalid or otherwise unenforceable, that
term is to be deemed severed from these terms and conditions and shall
not affect the validity and enforceability of the remaining terms and
conditions. This term shall apply only within jurisdictions where a particular
term is illegal.
12. Law and Jurisdiction
These terms and conditions and the relationship
between you and Money Matters shall be governed by and construed in accordance
with the Law of England and Wales and Money Matters and you agree to submit
to the exclusive jurisdiction of the Courts of England and Wales
