Terms and Conditions
The information below contains important points which You need to know about Moneycope and the service We provide. We request that You read the following Terms and Conditions prior to using this form, to ensure that You are satisfied with the service that We can offer You.
Please scroll down to “Terms of Use: Moneycope e-Mag” for the Terms and conditions of our subscription-based e-Magazine.
As the services and products that we provide through his website is diverse and liable to change with changes within the market and economy, there shall be additional terms added so it is advisable that you are aware if the additional terms and conditions that will be included with every new addition. The additional terms will be available with the relevant services within the products. And those additional terms will become part of your agreement with us if you use the services.
If, after reading our Terms and Conditions, You do not agree with the content then We request that You do not use Our service.
WHO WE ARE
MoneyCope is a direct marketing organization that specializes in various lead generations and product promotions. Moneycope controls any information which you provide on this website, and those listed below, and is registered as a Data Controller with the Information Commissioner’s Office (ICO) under the Data Protection Act 1998 (the Act).
If you would like further information or require any clarification on anything which is detailed within our Privacy Policy, please email us at support@moneycope.com or call us on 020 3833 0330.
Acceptable use
By using our services, you confirm that:
You’re at least 18 years of age and resident in the United Kingdom;
You will only use our services and materials (e.g. content from our website, app, or emails, referred to in these terms together as the “related materials”) in your own name, for personal and non-commercial purposes;
You won’t allow anyone else to use your account, either for their own purposes or on your behalf.
You are entitled to download content relating to your activity, however, please be aware this removes the security protection afforded by the website and this may increase your risk of identity theft, fraud, or other disclosure of your personal data. You may print a reasonable number of copies of the related materials for your own personal use.
You must not:
- attempt to gain unauthorized access to the Moneycope website or server.
- attack the website or by a denial-of-service attack
- scrape, extract, download, upload, sell or offer for sale any of the website or app or the related materials;
- misuse the website or app by knowingly introducing viruses or other material which is malicious or technologically harmful;
If you do any of these acts, you may commit a criminal offense. We’ll report any criminal acts to the relevant law enforcement authorities.
Availability
You acknowledge and agree that:
- We may have to temporarily or permanently suspend your access to the website without notice;
- We may update the website and the services at any time
- We accept no liability for any losses, damages or costs that arise from or relate to the website
- We don’t guarantee that the website or app or related materials will be free from bugs, viruses, or malicious code.
Our Services
This site is owned and operated by Moneycope. We are not a Lender or Provider and therefore We will not provide finance directly to You; We provide an online credit broking service, We will introduce You to Providers of financial services. By submitting an application through Our form or Comparison Site You will be giving Your consent for Moneycope to match Your application with one of the Providers on Our panel. If You apply via Our online form, We will present Your application in real-time to one or more of Our Providers based on their criteria until such time as one of Our Providers accepts Your application or all Providers decline Your application. If a Provider accepts Your application, You will be forwarded to a page on the Provider’s Website that they have requested We direct You to, or if the Provider does not work online We may present You with a screen that gives You information and contact details relating to the Provider that accepts You. It is important to understand that We will only forward You to a 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, (if You have submitted an online form application), or We will only display to You a Provider that is relevant to your search, (if You have used our Comparison Site). It is also important to understand that We may be paid a fee by the Provider for introducing You to them.
There is no obligation for You to take up the service with them. You should read their conditions carefully and make a responsible decision on whether You believe their service is right for You. You will be signing a legally binding credit agreement when if you accept their terms. If You have any questions or are unsure You should contact the Provider before taking out any service or loan with them.
Any examples of amounts available to claim, borrow, terms (repayment periods), or rates stated on the Provider Websites 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.
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. Please familiarise yourself with the details within our Privacy Policy prior to submitting your application.
Applying with us
You need to submit an application with us to access the full range of our services, including:
-access to a free credit report and credit score service
-tailored information about your borrowing ability
-energy comparison and switching.
-Discount offers and promotions
-Phone and data deals
When you register, you must give us true, accurate, current, and complete information about yourself. The results we show you are based mainly on the information you provide. If you don’t keep your information up to date, your results are likely to be less accurate. We recommend that you update your account information regularly, and as soon as possible if something important changes (e.g. your address or income or outgoings). You can update your information easily on moneycope.com
Product offers
We’ll show you credit cards, loans, phones, mortgages, and other products for consumers.
Your results for credit products are based on our unique algorithm, which considers factors such as:
your credit profile;
your eligibility score;
the features of the products; and
lender reliability.
We sort your offers based on their features and the information that you have provided. Although we may be paid commission, this never influences how your offers are ranked.
Our relationship with partners
We work with partners to present their products and related offers to you and to allow you to apply for products on the partners’ websites.
Not all partners featured on our website and app provide eligibility information, so you might see products listed that have no information about your likelihood of being accepted for them. Even if your tailored results indicate that you are likely to be accepted for a product, this is not a guarantee that you will be accepted. The partner is entirely responsible for deciding whether to accept you, using its own acceptance criteria. The exception is where we indicate that you are “pre-approved” for a credit product (e.g. for a credit card or loan). In those cases, you are definitely eligible for the product, but your application is still subject to passing the relevant lender or credit broker’s checks, for example, fraud, ID, vehicle checks, and responsible lending checks.
We’ll pre-populate partner application forms for you
If you click to apply for a certain product, we sometimes pass your information to that partner to pre-populate the application form and to make the process quicker for you.
What happens if you are an existing customer of a partner
When a partner assesses your eligibility for products, it may also tell us if you are an existing customer because that fact might influence your eligibility for additional products from the same partner. Being an existing customer could reduce your eligibility for additional products from that partner, or it might mean that you are pre-selected to see additional offers. It depends on the partner’s policies.
What partners tell us about your application
If you leave our website and app to apply for a product with a partner, the partner may tell us later if your application was successful, referred or declined. We use that information to:
calculate the commissions that we are due;
to personalize the service to you;
to send you service messages (for example, if an energy supplier declines your application to switch, we will email you to tell you why, and what to do next);
to help us understand our customers, improve our service, and to inform our marketing strategy (i.e. research and development).
What happens when you apply for a product?
We can’t influence partner decisions about you. If you want to apply for a product, you can do so by following the link from the website to the relevant partner’s website.
We don’t control the partner’s website, so we can’t be responsible for any personal data that the partner collects, stores and uses through their website without our involvement. You should always read the privacy notice of each website you visit carefully and before you submit any personal data to the partner.
Third-party content
We always try to make sure that the content provided by our contracted third-party suppliers is accurate and complete. However, we can’t guarantee that it is completely accurate because some of this information comes from other businesses. If you notice any mistakes relating to content on the website, please let us know at support@moneycope.com
Important: Please note that we can’t correct information on your credit report. You can challenge incorrect information on your credit report using the “raise a dispute” function in your account. This will allow you to raise the dispute directly with TransUnion, which provides the credit report data.
Any links on the website to third-party websites and resources are provided solely for your information and convenience. We don’t approve, endorse or make any representations about any such third-party websites or any material found on them or your use of that material. If you use these links, you do so entirely at your own risk.
Information we provide
Any information provided to you by us as part of the services is provided for guidance and information only. You should not rely on the information provided as part of services and neither we nor any credit reference agency (including in the case of the credit report service, TransUnion, or any member of the TransUnion group of companies) are responsible or liable to you if you rely on it or take any action based upon it.
Third-party products
We are not responsible for:
- the products provided by third parties that are featured on our website.
- for any contract, you enter into with a third party as a result of using the services.
- If you have any problems with the products featured on our website or app, you should contact the product provider directly.
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.
Terms of Use: Moneycope e-Magazine
The section below covers the terms of use of the Moneycope e-Magazine if you have subscribed to the product.
By using our products, you are agreeing to the terms and conditions. So please read them carefully.
As the contents and information included within the magazine are diverse and liable to change with changes within the market and economy, there shall be additional terms added so it is advisable that you are aware of the additional terms and conditions that will be included with every new edition. The additional terms will be available with the relevant services within the products. And those additional terms will become part of your agreement with us if you use the services.
Using our services
Please follow the policies made available to you within the services.
During the terms of this agreement, “Moneycope eMagazine” gives you a terminal, at will, non-exclusive license to use and display the service, and to download materials available through the service, all solely for your personal, non-commercial use.
Alteration or duplication of the products is to be avoided at any cost. Duplication of this magazine for third-party use is subject to violation of terms and conditions and shall constitute an act of trespass.
If you have any complaints about the contents of the magazine, you may reach our Customer Services at the Get in touch section of our website.
Using our services does not grant you ownership of any of our products. The ownership of all contents including but not limited to pictures, articles, and graphical images (collectively “the contents” ) are protected by copyright and owned by “Moneycope”
Basis Of Contract:
-These terms shall apply to the sale by the company (or its franchisee) of all subscriptions purchased by the customer through the site or telephone and these terms shall govern each contract to the exclusion of all or any other terms and conditions introduced or submitted by the customer.
-When you complete the order form on the subscription page of the website and click “set up direct debit”, or you agree to purchase the services over the telephone, you agree to be subscribed to the services which if accepted by the company, will result in a binding contract.
-Acceptance of the order and completion of the contract shall take place on the date of the company’s order acceptance.
Payment and Direct debit
It is with the goodwill of the company that every first purchase of the Magazine will come with a free trial for the first month. The contents of the magazine will be the same as the premium copy. The payment will be carried out by direct debit through the bank details that you provide. The cost of the magazine after the first month’s free trial will be £5.99 each month thereafter which will be taken through direct debit.
Terminating our services
On the condition that you are unwilling to continue with the service, you can cancel the contracts, service, and direct debit at any time by calling us on 020 3833 0330 or sending a service termination email to customercare@moneycope.com.
If you cancel the service within the first month’s free trial, you will not be charged. However, there will be no refunds if a cancellation request is made only after payment has been made for the month.
About these terms
We may change the terms or any additional terms that apply to the service to, for example, reflect changes to the law or changes to our services. You should look at the terms regularly. We will post notices of changes made to the terms here on this page. The new terms will be effective 15 days after the notice. If you do not agree to the additional terms, you should discontinue the use of the service.
These terms and conditions are between you and Moneycope eMagazine and do not create any third-party beneficiary rights.
For more information, please visit www.moneycope.com.