"Product" means any third party product or service that we display on our Site;
"Site" means any mobile applications or other similar devices, channels or applications operated by or on behalf of MoneySuperMarket; and
"you" and "your" means any person who accesses and uses the Site.
b. If you are dissatisfied with any aspect of our Site or our service, and would like to make a complaint, see Complaints below.
c. Telephone calls that you make to our customer services help line may be monitored and/or recorded. This will help us to train our staff and improve our service to you. A recording will only be used under proper and careful supervision. Our customer service help line is available Monday to Friday 9.00am to 5.30pm.
We provide an independent online service which enables you to research and compare insurance, financial, energy, travel and other products or services provided by third parties. Our comparison service is free for you to use. We receive a fee and/or commission from providers when you use our service to purchase Products. Our customer services team is available to support with any offline queries.
a. The Site is for your personal, non-commercial use only. 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. Access to and use of the Site other than for your personal, non-commercial purposes is strictly prohibited.
b. You are not permitted to use the Sites:
c. Except for certain travel insurance products or services, this Site is intended for use only by customers who are located in the UK. We make no warranty or representation that any Product and/or any service we provide 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.
e. For travel insurance products where the customer is aged between 13-16, we will require a parent or legal guardian to complete the enquiry on their behalf.
f. You may operate a link to the Site 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 in such a way as to suggest or imply any form of association, approval, or endorsement by us. We reserve the right to require you to remove any link to the Site immediately and at any time and we may withdraw any linking permission at any time.
a. The trade marks, copyright, database rights and other intellectual property rights in the Site and in the information, content, material or data that we display on the Site belong to us or our licensors and all such rights are reserved. You must not use such information or copyright material unless you have written permission from us to do so.
b. You may temporarily print, copy, download or store extracts of information, content, material or data displayed on the Site for your own personal, non-commercial use, provided you do not otherwise breach these Terms and Conditions.
c. All rights in MoneySuperMarket are owned by or licensed to us.
d. You will retain ownership of any content that you submit, or otherwise make publicly available on or through the Site ("User Content"). You grant us a perpetual, irrevocable, transferable, worldwide, royalty free and unlimited licence to use such User Content in any manner and for any purpose. Additional terms and conditions in relation to User Content (including discussion forums and user reviews) are set out in Part 2.
a. You agree to pay any fees and/or other charges incurred by you in accordance with any payment provisions set out on the Sites.
b. In general, payment for a Product will be made on the relevant third party website when applying for that Product.
c. Where full payment for a Product is required on the Site (for example, for travel insurance products), it should be made in the secure area of the Site at the time of application for the Product. Payment methods other than those stated on the Site will not be accepted. If necessary, we may pass your card details and personal details to the relevant third party, who may take payment for the Product in accordance with its terms and conditions. We may charge you any handling fees that we or the relevant third party may incur in respect of your application. We will always inform you of any such charges before they are incurred.
d. You may apply for travel insurance through the Site. You will need to provide details of the type of insurance you require together with details of the persons who will be covered and the start date of the policy. You will then be directed to a payment section of the Site where you can then apply for the travel insurance product you have chosen. When you apply for travel insurance through the Site, we are acting on behalf of the travel insurance providers as their agents. We will receive payment of your premium from you as agent for the relevant insurer. Any claims money or refund of premium we receive from the insurer in respect of your insurance is also received by us as agent of the insurer. Any contract entered into for any travel insurance product will be between you and the travel insurance provider. By providing you with a quote we are not making an offer on behalf of the travel insurance provider to contract with you on those terms. Instead, by submitting your details, you are making an offer to purchase the relevant travel insurance product from the travel insurance provider on the terms set out. The contract will be concluded once your offer has been accepted. You will receive confirmation when your offer has been accepted.
We subscribe to the latest in internet security standards so you can shop with confidence online. When you enter a protected area, a small padlock or key will be displayed at the bottom of the screen indicating that you have a secure connection with us. You can rest assured that the information you supply is encrypted and cannot be read by anyone else.
Paragraphs 3 and 4 below are important and you should read them carefully as they exclude or limit our liability to you and detail your responsibilities.
a. Our service allows you to search for and compare various types of Products from different providers. You will need to answer a number of questions on the Site in order to compare or obtain a quote for any Product. These questions are designed to ensure that we and all relevant Providers have all the information necessary to provide you with appropriate and timely information relating to the products in which you are interested. Aspects of a Product such as the level of cover (if applicable) and the amount you will pay will be determined by the answers you provide to these questions. It is therefore very important that you answer all of the questions truthfully, completely and accurately and that you disclose all relevant facts. Failure to do so could invalidate the Product you purchase. If you are applying for an insurance product, for example, this could mean that you have no insurance cover. If your insurance product is invalid, claims may not be paid and you could be responsible for any third party costs if any event occurs where you would otherwise have been covered by the insurance product. In order to apply for a Product, you must contact the relevant provider.
b. If you are in any doubt as to whether any information is relevant or required to be disclosed or that something may be incorrect you should disclose it to your proposed provider before you apply for a Product.
c. Before you obtain any Product from a provider, you must check all of the information, content, material or data the provider holds 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, material or data before you obtain any Product. Failure to do so could invalidate the Product.
d. You must get permission from any other person whose information you intend to provide on the Site before you provide it. In submitting any other 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.
f. You must take all reasonable precautions (including using appropriate virus checking software) to ensure that any information, content, material or data you provide (including User Content) is free from viruses and anything else which may have a harmful effect on any part of the Site or the websites of third parties or any other technology.
g. If you create any usernames and passwords when using the Sites, they must be kept confidential by you and must not be shared with anyone. If you do disclose to anyone your username, password and/or other identification information, you are solely responsible for all activities undertaken on the Site using your username, password and/or other identification information.
a. The Products displayed on our Site are not provided by us but by third parties over whom we do not have control.
b. You should always check the suitability, adequacy and appropriateness of the Product that is of interest to you. It is your responsibility to satisfy yourself that you wish to obtain any Product before applying for it. If you are in any doubt as to the suitability, adequacy or appropriateness of any Product referred to on the Sites, we suggest that you seek independent professional advice before you obtain it.
c. The Site provide information on a wide range of products and services but there may be other products or services available on the market which are not shown on the Site and which may be more appropriate or suitable for you than those shown on the Sites.
a. Your use of any Provider websites and your obtaining of any Products will be subject to the Provider's own terms and conditions (which will be different from ours). It is very important before you apply for any Product that you carefully read the accompanying terms and conditions, the Provider's terms and conditions and any other documentation that applies to the Product. You must familiarise yourself with all the details of the product, for example:
b. Any links to third party websites on our Site or in our emails are provided for your interest and convenience only. These websites are owned and operated by third parties over whom we do not have 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 such third parties (whether on their websites or otherwise).
a. We aim to ensure that the material on the Site (excluding, if applicable, any User Content) is accurate. We also try to correct any errors or omissions as soon as we can after being notified of them. However, we are not able to guarantee that the material on the Site is accurate and free from errors or omissions at all times. We reserve the right to add, amend, delete, edit, remove or modify any information, content, material or data displayed on the Site at any time and without notice.
b. Nothing on the Site is financial, investment or other advice or a recommendation or endorsement by us in respect of any Product referred to on a Site. Information on the Site is provided for general information purposes only, should not be relied upon by you and is provided so that you can select the Product that you feel is most appropriate to meet your needs.
c. The information and descriptions of Products on the Site may not represent the complete descriptions of all the features and terms and conditions of those Products. You must ensure that you carefully read all the features and terms and conditions (including those contained on the provider's Site) of any Product before applying for it.
d. Some of our channels provide you with access to third party websites that host reviews about products and services. Sometimes you may also be able to access user reviews directly on the Site. The views expressed in any such reviews do not represent our views or the views of our associated companies.
e. From time to time we will run promotional offers or competitions (“Offers”) on our Sites. These will be subject to specific terms and conditions. All Offers will only be open to participation while they are promoted on our Sites.
We aim to provide uninterrupted access to the Site but we give no warranty on this. We reserve the right to suspend, restrict or terminate your access to the Site at any time.
a. Nothing in these terms and conditions excludes or limits our liability for death or personal injury caused by our negligence or for our fraud, or 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.
b. Subject to the paragraph immediately above, we do not accept any responsibility or liability for any loss or damage you may incur:
c. We do not give any warranty that the Site is free from viruses or anything else which may have a harmful effect on any technology.
a. We aim to provide you with an excellent service at all times. If you are unhappy with our service for any reason, please contact our Customer Services Team.
b. We will aim to send you a formal acknowledgement of your complaint within 48 hours and to resolve it as soon as possible. After we have had an opportunity to investigate your concerns, we will issue you with a final response. If you aren't satisfied with our response, depending on the nature of your complaint, you may have the right to refer your case to:
c. If you are unhappy with any product or service you have obtained from a third party or have any complaint regarding any third party, you should address your complaint directly to that third party. If you require their contact details, please contact our Customer Services Team who will be happy to assist.
In providing our insurance service, we have made some assumptions about you based on the responses that are most commonly given by our users. We have used this information to pre-populate the answers to certain questions for you on the Site. If any of this pre-populated information is incorrect it is your responsibility to change the answers and provide the correct information.
If you would like to stop receiving these Car Monitor emails and the processing of your personal data as part of Car Monitor, simply log into your Account and delete the relevant vehicle(s) from your Account or to stop receiving the emails alone you can also follow any instructions in relation to unsubscribing within the email itself. You may also amend your marketing preferences in the settings of your Account.
If you have used the MoneySuperMarket App please visit section 10 (MoneySuperMarket App) of these Terms and Conditions for more information.
The Stocks and Shares ISA channel on the Site provides you with access to information on Stocks and Shares ISAs and a selection of investment funds that you may wish to consider investing in through a Stocks and Shares ISA. We have categorised the funds depending on the level of risk we believe those funds involve and the process by which we do this and the different levels of risk are explained on the Site. The funds described on the Site will invest in a wide range of investments, including other funds, and the performance of the funds (including any income you may receive) is not guaranteed. The performance of the funds will depend on many factors, including the performance of underlying investments selected by the fund managers. Some funds may involve exposure to investments in emerging markets, smaller companies and/or exposures to different currencies which may involve greater risk to the value of your investment. You should consider fully all information provided by the fund about the risks that particular products may involve.
b. Please be aware that the value of investments (including the investment funds described in our Stocks and Shares ISA channel) can fall as well as rise, and that you may not get back the full amount invested. Your investment is not guaranteed and the price of investments will depend on fluctuations in the financial markets, which are outside our control. Inflation may reduce the value of your investments over time. Past performance is not a guide to future performance and the favourable tax treatment of ISAs may not be maintained in the future if UK tax law and HM Revenue & Customs changes.
c. Please also be aware that once you have identified investments that are of interest to you, we will introduce you to the investment fund or to an ISA provider with whom you may then decide to complete the purchase. If you decide to proceed with your purchase of a Stocks and Shares ISA and/or investment funds you will do so only with that person and you will not enter into any contract with us. We will not hold or handle client money in respect of any product or service selected by you when using the Stocks and Shares ISA channel.
d. We are not responsible for, and we accept no liability in connection with, any act, omission, error or default by any investment fund or ISA provider or any other third party in the provision of any product or service, or the execution of, or any investment made by you. The provider of the product or service that you wish to purchase should provide you with all required information regarding the product or service as part of the process by which you make a purchase. This will include information on charges and expenses relevant to the product or service and the possible effect of those charges on the value of your investment over time. You should contact them directly should you require any further information about the product or service they offer. If you purchase a product or service from any person having used our Stocks and Shares ISA channel you accept that in doing so we have not and will not provide you with any advice or make any recommendation in connection with any product or service on the Site (including as to its suitability, adequacy or appropriateness for you or for any other person). Information on the Site is provided for general information purposes only and is provided to assist you to consider whether the product or service may be appropriate for your needs.
e. If you are in any doubt as to the suitability, adequacy or appropriateness of any product or service, we suggest that you seek independent financial advice before you purchase any product or service.
f. In introducing you to ISA providers or investment funds, we may be remunerated by them for doing so in the form of commission based on transactions that you undertake with or through them or otherwise as we agree with them.
When you use the Credit Monitor services you acknowledge and agree the following:
a. You are 18 years of age or older and live in the UK, the Channel Islands or the Isle of Man;
b. 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;
c. TransUnion has no control over information which 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;
d. 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 they have their own acceptance criteria. Also, a credit score does not take into consideration affordability issues which are also considered by financial services/credit providers;
e. 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 Monitor Services;
f. You will not allow any other person to have access to or to use the Credit Monitor Services or information contained therein and that you will keep your username and password confidential;
g. You will contact us immediately (see the contact us section) if you believe a security issue has occurred;
h. We or TransUnion may suspend your access to the Credit Monitor Services or the TransUnion credit score and credit report if we consider:
i. All intellectual property rights in the TransUnion credit score and credit report are owned by TransUnion and/or its licensors;
j. Altering the security settings in respect of any Credit Monitor Services notifications may increase your risk of identity theft, fraud or other disclosure of your personal information.
k. To turn off communications from our Credit Monitor Services, please email email@example.com (as set out in the emails themselves). To unsubscribe in full from any Credit Monitor Services and to stop any processing of your data in order to provide these Services, please email firstname.lastname@example.org specifying that you do not wish any further processing of your data with respect to Credit Monitor Services to take place (simply deleting the Apps will not stop these emails or the relevant processing).
In the event of queries or concerns regarding the Credit Monitor 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 the email address email@example.com or by using the online process which can be accessed via the App, which will raise a dispute with TransUnion.
As part of our energy journey, we ask for details of your annual energy usage. You can find this information on your most recent energy bill. If you don't have this information to hand, we can estimate your energy usage for you by asking some questions about your household. We aim to give you an estimate that is as accurate as possible, but using the actual figures from your energy bill is recommended to give the most accurate results.
The MoneySuperMarket Apps help you manage your household bills and tasks and monitor your credit through our Credit Monitor Services. When you use the App you acknowledge and agree the following:
a. The personal information we collect will include the personal details you give us when you use the App, including, for your car(s), your car registration and for your energy deal, your current energy supplier, information on your home energy bills and your home address, and the details collected as part of the Credit Monitor Services;
b. We will use this personal information:
i. to send you emails, in-App messaging and/or push notifications at your request to help you use the App service (e.g. to reset your password or update your details)
ii. to alert you to changes to our services (e.g. changes to our Terms and Conditions)
iv. For your energy deal, to provide you with the information described at section 9 (Energy Monitor) above when you run an energy enquiry and, if you opt in to receive general marketing,, to send you the information via email, in-App messaging and/or push notification
v. For your energy deal a monthly monitoring email which keeps you updated on the status of your energy deal (which will involve regular background comparisons using your energy information against prevailing energy tariffs available on the market)
d. To turn off communications from the App, such as your car and energy monitor alerts or monthly monitoring emails, you can go to your App settings or follow the links included at the bottom of the emails (simply deleting the App will not stop these emails).
e. To unsubscribe in full from any Services provided through the App and to stop any processing of your data in order to provide these Services:
f. The App aims to provide useful reminders of when household bills and tasks need completing but should not be relied upon solely to ensure that these tasks are completed on time.
g. MoneySuperMarket reserves the right to discontinue providing the App services at any time upon reasonable notice.
a. You are not permitted to use the Site to:
b. 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.
Moneysupermarket.com Limited is registered in England and Wales with company number 3945937 whose registered address is at Moneysupermarket House, St David's Park, Ewloe, Chester, CH5 3UZ and whose registered VAT number is GB 741905338. Moneysupermarket.com Limited is an appointed representative of Moneysupermarket.com Financial Group Limited (registered in England and Wales with company number 3157344) whose registered address is at Moneysupermarket House, St David's Park, Ewloe, Chester, CH5 3UZ. Moneysupermarket.com Financial Group Limited is authorised and regulated by the Financial Conduct Authority (FCA registration number 303190). This can be confirmed at the FCA register. Moneysupermarket.com Limited is accredited under the Ofgem Confidence Code in relation to its energy channel.
Last updated 1 July 2021