a. The Site and our App are for your personal use, only and you may not use the site for your own commercial purposes. They may only be accessed and used by a private individual or by a business to seek a Product directly for that individual or business. You must not access or use our Site or the App for any other than for your personal, non-commercial use.

b. You are not permitted to use our Site or our App:

• in any unlawful, fraudulent or commercial manner;

• to harm, threaten, abuse, embarrass, defame, libel, intimidate or harass another person, or in a way that invades another person's privacy or is obscene, offensive, hateful, indecent, inappropriate, objectionable, unacceptable, discriminatory or damaging as determined by us;

• to create, check, confirm, update, modify or amend another person's records;

• to tamper with, modify, reverse engineer or amend any part of this Site or App; or

• in a way that interferes with, disrupts or imposes an unreasonable or disproportionately large burden on our communications and technical systems.

c. You shall not conduct, facilitate, authorise or permit any text or data mining or web scraping in relation to our Site, our App or any Services provided via, or in relation to, our Site or App for any purpose, including the development, training, fine-tuning or validation of AI systems or models. This includes using (or permitting, authorising or attempting the use of):

• any "robot", "bot", "spider", "scraper" or other automated device, program, tool, algorithm, code, process or methodology to access, obtain, copy, monitor or republish any portion of our Site or App, or any data, content, information or Services accessed via the same; or

• any automated analytical technique aimed at analysing text and data in digital form to generate information or develop, train, fine-tune or validate AI systems or models which includes but is not limited to patterns, trends and correlations.

The provisions in this clause should be treated as an express reservation of our rights in this regard, including for the purposes of Article 4(3) of the Digital Copyright Directive ((EU) 2019/790).

d. You may operate a link to the Site or our App provided you do so in a way that is fair and legal and does not damage our reputation or take advantage of it, as determined by us. You must not operate a link to the Site or our App in such a way as to suggest or imply any form of association, approval, or endorsement by us. Neither our Site nor our App may be framed on any other site or app, and you must not create a link to any part of our site or app other than the home page of the Site or a link to download the App. We reserve the right to require you to remove any link to the Site or App immediately and at any time and we may withdraw any linking permission at any time.

e. We may use AI/large language models (“LLM”) such as ChatGPT (“AI Tools”) to generate responses. In particular some parts of our Site allow use of AI Tools to help you research products, provide estimates, provide personalised insights based on your input and/or information we hold about you and to power our messenger help service. For example if you use our Credit Scores Services, that data may be used to provide personalised insights on credit cards. Your data will only be used to generate these responses and analyse them to ensure they are useful. You don’t have to use these AI Tools and we’ll always let you know which of our Services use AI Tools. We’ll also use the minimum amount of personal data required to enable responses to be generated.

f. We may use AI alternatively referred to as “large language models” (LLM) such as ChatGPT to help you research and estimate insurance, financial, energy, travel and other products or services provided by third parties (“AI Tools”). These AI Tools should be used for personal, lawful, non-commercial purposes only. In the event it's misused, or used maliciously or recklessly by you to provide outputs that are intended to be restricted, we may seek compensation from you (see section 3a below). Please also bear in mind that the AI tools are a developing technology and so may not always be error-free. We may need to input some of your personal information to enable the AI Tools to generate responses – see the Privacy Notice for more information. You should not rely on these AI tools to make decisions. We're not liable for anything that happens as a result of your use of it.

a. Except for the provision of Services relating to certain travel insurance products, this Site and our App are intended for use only by customers who are located in the UK.

b. We make no warranty or representation that our Site, our App, our Services and any Product and/or any third-party service we provide through our Site or App is available or otherwise appropriate for use outside of the UK. If you choose to use the Site from locations outside the UK, you do so at your sole risk and you are responsible for compliance with all applicable local laws.

a. Our Site and App are intended for use by customers over the age of 18 only, except in relation to certain:

• motor insurance products for young drivers (over the age of 16); and

• travel insurance products.

b. In any event, you must be at least 16 years old to create an account on our Site or App.

c. For travel insurance products where the customer is aged between 13-16 years, we will require a parent or legal guardian to set up the account complete the enquiry on their behalf.

d. Please see our Privacy Notice for more detail on how we use your personal information.

a. We are the owner or licensee of all trade marks, copyright, database rights and all other intellectual property rights in or otherwise used in relation to the Site and App and in the information, content, material and data that we display on the Site and App. All such rights are reserved. You must not use such information or material unless you have written permission from us to do so.

b. You may print off one copy, and may download or store extracts of, information, content, material, or data displayed on the Site or App for your own personal, non-commercial use, provided you do not otherwise breach these Terms and Conditions.

c. You must not use any part of the content on our Site or App for commercial purposes without obtaining a licence to do so from us or our licensors.

d. You must not modify the paper or digital copies of any materials you have printed off or downloaded in any way, and you must not use any illustrations, photographs, video or audio sequences or any graphics separately from any accompanying text.

e. Our status (and that of any identified contributors) as the authors of content on our Site and App must always be acknowledged (except where the content is user-generated).

f. If you print off, copy, download, share or repost any part of our Site or App in breach of these Terms and Conditions, your right to use our Site and App will cease immediately and you must, at our option, return or destroy any copies of the materials you have made (except that you are permitted to print off a copy of these terms of service).

a. Whenever you make use of a feature that allows you to create content directly on our Site or App, upload or share content on our Site or App, or to make contact with other users of our Site or App (“User Content”), you must comply with the standards set out in these Terms and Conditions. You warrant that all User Content complies with those standards and will be liable for any loss or damage we suffer as a result of your breach of this warranty.

b. You must not use the Site or App to:

• collect email addresses or other contact information of others for the purposes of sending unsolicited emails or other unsolicited communications;

• promote or encourage illegal activity;

• do anything that is unlawful, harmful, fraudulent, threatening, defamatory, embarrassing, distressing, infringing, abusive, inflammatory, intimidating, harassing, libellous, stalking, profane, obscene, indecent, inappropriate, hateful, discriminatory or racially, ethnically, sexually, or otherwise objectionable or for the purpose of harming or attempting to harm minors in any way;

• do anything which violates the rights of others (such as rights of privacy);

• impersonate any other person or falsely state or otherwise misrepresent yourself;

• upload, post, transmit, distribute, share, store or otherwise make publicly available any personal information of any other person including names, addresses, phone numbers, and email addresses;

• upload, post, transmit, distribute, modify, reproduce, share, store or otherwise make publicly available any information, material, data or content that infringes any patent, trade mark, trade secret, copyright or other intellectual property rights of any other person;

• send any unsolicited or unauthorised advertising, promotional materials, 'junk mail', 'spam', 'chain letters or any other form of such solicitation; or

• post links to alternative community groups or forums except with our prior written consent.

c. You will retain ownership of any User Content that you submit or otherwise make publicly available on or through the Site.

d. We will consider any User Content you upload to our Site and our App to be non-confidential and not protected by any trade mark, patent or copyright.

e. You grant us a perpetual, irrevocable, transferable, worldwide, royalty-free and unlimited licence to use the User Content in any manner and for any purpose.

f. We reserve the right, but have no obligation, to review or monitor any User Content. We are not responsible or liable for the review or monitoring of any User Content.

g. We reserve the right to close, delete, edit, refuse to post, amend, modify or remove (without notice) any User Content at our sole discretion for any reason, including but not limited to User Content that in our sole opinion breaches these Terms and Conditions.

h. If you consider that any User Content breaches these Terms and Conditions or the User Content Standards, please email: customerservices@moneysupermarket.com.

a. Your use of the Site and our App, and the comparison Services we provide through the Site and our App, are free for you to use.

b. If you purchase a Product via our Site or App, you will usually be re-directed to the website of the third-party provider of the Product you have selected and you will be required to make payment for the Product on the third-party provider’s website.

c. Occasionally, we may process payments for travel insurance Products on behalf of the third-party provider. Such payment requested at the time you make your application for the Product and shall be made via the secure area of our Site or App.

d. Payment methods other than those stated on the Site or App will not be accepted. We may use a third-party provider to process payments made through our Site or our App and may pass your card details and other relevant personal information to the third-party provider for that purpose (please see our Privacy Notice for further information). We may charge you any handling fees that we or the relevant third-party provider incurs in respect of your application. We will always inform you of any such charges before they are incurred.

a. We implement cloud and web-based security standards appropriate in our industry to ensure you have a secure connection, information is encrypted and your data is protected For further information, see Security | MoneySuperMarket

a. You agree that you will be liable to us for any damage, loss, claim, demand, liability or expense (including reasonable legal fees) that we may suffer or incur arising out of or in connection with your breach of these Terms and Conditions.

a. Our comparison Service allows you to compare quotes for Products from different third-party providers. You will be asked a number of questions, and be required to provide certain information, in order for Product quotations to be generated and compared. These questions are designed to ensure that we and the relevant third-party providers have all the information necessary to provide you with appropriate and timely information relating to the Products in which you are interested. We may also pre-populate certain fields based on information that you have previously provided to us or which is available from publicly available sources. There will be certain aspects of the quotations you are provided with that will be determined by the answers you provide to our questions/ the information which has been pre-populated, such as the level of cover offered (if applicable) and the amount you will pay. Therefore, it is very important that you both answer all of the questions truthfully, completely and accurately and that you disclose all relevant facts, and that you check any pre-populated information both to confirm accuracy and to correct any errors or omissions you find. Failure to do so could invalidate the Product you purchase (for example, if you are applying for an insurance product, this could mean that you have no insurance cover and you will be responsible for any third-party costs if any event occurs where you would otherwise have been covered by the insurance product).

b. Before you submit an application for any Product from a third-party provider, you must check that all of the information the relevant third-party provider holds about you is correct, complete, accurate and not misleading, and that you have disclosed to the third-party provider all relevant facts. It is your responsibility to identify and correct any mistakes or errors in the information that a third-party provider holds about you before you obtain a Product from them. Failure to do so could invalidate the Product.

c. If you are unsure whether any information is relevant or needs to be disclosed, or you suspect that any information you have disclosed may be incorrect, you should contact the relevant third-party provider before you apply for a Product.

a. If you create, or are provided with, any usernames, passwords or other identification information when using our Site or our App, you must keep them confidential and must not share them with anyone else. If you do disclose to anyone else your username, password and/or any other identification information, you are solely responsible for all activities undertaken on the Site and/or the App using your username, password and/or other identification information.

b. We have the right to disable any username, password or any other identification information, whether chosen by you or allocated by us, at any time, if in our reasonable opinion you have failed to comply with any of the provisions of these Terms and Conditions.

c. If you know or suspect that anyone other than you know your username, password or other identification information, you must promptly notify us at: datarequest@moneysupermarket.com.

a. If you are required to provide us with someone else’s personal information (for example, if you are applying for a motor insurance policy with a named driver), you must get permission from that person before you provide their personal information to us. By providing another person's details, you are confirming to us that you have their permission to do so and that they understand how their details will be used.

a. You must not misuse our Site or our App by knowingly introducing viruses, trojans, worms, logic bombs or other material that is malicious or technologically harmful, or otherwise harmfully interacting with our Site or our App, or any part of each of them.

b. You must not attempt to gain unauthorised access to our Site or App, the servers on which our Site and our App are stored or any server, computer or database connected to our Site or App, or any other equipment or network connected with our Site or App.

c. You must not interfere with, damage or disrupt any software used in the provision of our Site or our App, or any equipment or network or software owned or used by any third party on which this Site or our App relies in any way.

d. You must not attack our Site or our App via a denial-of-service attack or a distributed denial-of-service attack.

e. By breaching these provisions, you would commit a criminal offence under the Computer Misuse Act 1990 (as amended from time to time). We will report any such breach to the relevant law enforcement authorities and we will co-operate with those authorities by disclosing your identity to them. In the event of such a breach, your right to use our Site and our App will cease immediately.

a. The Products displayed on our Site and our App are not provided by us but by third parties over whom we do not have control.

b. It is your responsibility to satisfy yourself that a Product is suitable, adequate and appropriate for your specific requirements and you should check the suitability, adequacy and appropriateness of a Product before you apply for it.

c. If you are unsure whether a Product is suitable for your requirements, you should seek independent professional advice before applying for it.

a. Our Site and App provide information on a wide range of Products and related services. There may be other Products or related services available on the market which are not shown on our Site or App and which may be more appropriate or suitable for you than those shown on the Site and our App.

a. If you decide to purchase a Product through our comparison Service, you will in most cases be redirected to the relevant third-party provider’s website to complete the purchase.

b. Your use of any third-party websites, and your purchase of any Products from a third-party provider, will be subject to the relevant third-party’s own terms and conditions, which will be different from ours. It is very important that before you use any third-party website, and apply for any Product, you carefully read the applicable terms and conditions. You must familiarise yourself with, and ensure you understand, all the details of the Product you are applying for, for example:

• for insurance Products, you should understand any applicable restrictions, exclusions, conditions and obligations which apply to the insurance Product;

• for money Products, you should understand the applicable interest rate, any early redemption charges, any restrictions, exclusions or conditions and obligations which apply to the money Product;

• for travel Products, you should understand the minimum check-in times, provisions relating to cancellations or modifications of bookings, your right to a refund, any applicable visa or passport requirements, vaccination requirements, any restrictions, exclusions or conditions and any obligations which apply to the travel Product; and

• for home services Products, the restrictions, exclusions, conditions and obligations that apply to the Product.

c. Any links to third-party websites on our Site or our App, or in our emails, are provided for your information and convenience only. These websites are owned and operated by third-parties over whom we have no control. We do not endorse, recommend or accept responsibility for such third-parties, their products or services, their websites or for any information, opinions or views given, or advice provided, by them (whether on their websites or otherwise).

a. Our Eligibility Checker tools match your data to the criteria companies are looking for to check your chances of successfully obtaining a particular product, such as a credit card or personal loan.

b. These Eligibility Checker tools have been built in partnership with certain trusted third-party providers (for a full list of these providers (Eligibility Checker Providers) and the terms and conditions associated with the Eligibility Checker Services they provide for us, please click here) in conjunction with, from time to time, the following UK credit reference agencies (CRAs): TransUnion, Equifax Limited and Experian Limited.

c. If you submit your details when using our Eligibility Checker tools, we will pass your information to those Eligibility Checker Providers and CRAs.

d. For further information about how your details will be used, please read the rest of these Terms and Conditions, the Eligibility Checker Providers' terms and conditions, and our Privacy Notice.

a. If you sign up to use our Credit Score Services on our Site or our App, we will regularly access your credit score and credit report to provide you with information to help you to understand your credit situation and provide you with insights on how you can improve your credit score and what you’re doing right. For full details of the ways in which we use credit file information see our Privacy Notice.

b. We will notify you on when there have been changes to your credit score and when there have been any other significant changes or additions to your report. You can view your credit report in full by logging in to your account on our Site or App[DLL1] .

c. We make information relating to your credit score, your credit report and any county court judgement information available to you by TransUnion. If you submit your personal details to us when using our Credit Score Services, we will pass your information on to TransUnion. For further information about how your details will be used, please read the rest of these Terms and Conditions, our Privacy Notice and TransUnion’s Privacy Notice[DLL2] .

d. When you use our Credit Score Services, you acknowledge and agree to the following:

• You are 18 years of age or older and live in the UK, the Channel Islands, or the Isle of Man;

• You will be required to successfully pass TransUnion's authentication process to access your credit score and your credit report information. Where you do not pass authentication, neither we nor TransUnion are required to notify you of the reasons why;

• TransUnion has no control over information that comes from third-party sources (e.g. the electoral roll, insurance companies or financial institutions) which may form part of the credit score or the content of the credit report. TransUnion, therefore, cannot guarantee the accuracy of the data coming from those sources and it is not responsible if it turns out to be inaccurate;

• Any information provided to you as part of the TransUnion credit report and/or credit score is provided for guidance and information only. The fact that an individual has a good credit score does not mean that a lender, credit card company or other provider of financial services products will accept their application and each provider will have its own acceptance criteria. Furthermore, a credit score does not take into consideration affordability issues which are also considered by financial services/credit providers;

• You are requesting credit information for your own personal non-commercial use and not on behalf of anyone else. You cannot request credit information about any third party using the Credit Score Services;

• You will not allow any other person to have access to or to use the Credit Score Services or information contained therein and you will keep your username and password confidential;

• You will contact us immediately (see the contact us section) if you believe a security issue has occurred;

• We or TransUnion may suspend your access to the Credit Score Services or the TransUnion credit score and credit report if we consider:

  • there is or is likely to be a breach of security;

  • you are misusing the Credit Score Services and/or TransUnion credit score and/or credit report or using them in a way which is not permitted or is fraudulent; or

  • your use of the Credit Score Services and/or TransUnion credit score and/or credit report is detrimental to us and/or TransUnion;

• All intellectual property rights in the TransUnion credit score and credit report are owned by TransUnion and/or its licensors.

e. Altering the security settings in respect of any Credit Score Services notifications may increase your risk of identity theft, fraud or other disclosure of your personal information.

f. To turn off communications from our Credit Score Services, please email us at: creditscore@moneysupermarket.com . To unsubscribe in full from any Credit Score services and to stop any processing of your data in order to provide these Services, please email us at: creditscore@moneysupermarket.com specifying that you do not wish any further processing of your data with respect to Credit Score Services to take place (simply deleting the Apps will not stop these emails or the relevant processing).

g. In the event of queries or concerns regarding the Credit Score Services please contact us (see the contact us section above). If we’re not able to resolve your query or concern we may refer it on to TransUnion. If you have any queries or concerns regarding the accuracy of your credit report or credit score please contact TransUnion at https://www.transunion.co.uk/consumer/consumer-enquiries or by using the dispute process which can be accessed via your credit report on our website or the app; this will raise a Notice of Dispute with TransUnion.