Terms & Conditions

The Sites are owned and operated by the Moneysupermarket Group. The Moneysupermarket Group includes Decision Technologies and the brands MoneySuperMarket.com, TravelSupermarket.com and MoneySavingExpert.com. For the purposes of these Terms of Use, references to the Moneysupermarket Group ("we", "us" or "our") excludes Decision Technologies which has its own Terms and Conditions, view [here] and MoneySavingExpert.com which has its own Terms of Use, view here .

In these Terms of Use:

"Product" means any third party product or service that we display on our Sites;

"Site" means any mobile applications or other similar devices, channels or applications operated by or on behalf of any of the following brands:

MoneySuperMarket.com and

TravelSupermarket.com.

 (referred to collectively as the "Sites"); and

"you" and "your" means any person who accesses and uses the Sites.

Access to and use of the Sites are subject to these Terms of Use and our Privacy Policy. By accessing and using the Sites you agree to be bound by and to act in accordance with these Terms of Use and our Privacy Policy. If you do not agree to these Terms of Use or our Privacy Policy, you should stop using and/or accessing the Sites immediately. If you breach any term of these Terms of Use, your right to access and use the Sites will cease immediately.

We reserve the right to amend these Terms of Use from time to time by amending this page. The amended Terms of Use will be effective from the date they are posted on the Sites.

a. If you have any questions about these Terms of Use, or would like to contact us for any other reason, you can contact us:

• by post: Moneysupermarket House, St. David's Park, Ewloe, Chester, CH5 3UZ
• by telephone: 0333 123 1983 (within the UK) (0)1244 976 301 (from outside the UK)
• by email:customerservices@moneysupermarket.com

b. If you are dissatisfied with any aspect of our Sites 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 Sites are 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 Sites other than for your personal, non-commercial purposes is strictly prohibited.

b. You are not permitted to use the Sites:

• 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 Sites;
• in a way that interferes with, disrupts or imposes an unreasonable or disproportionately large burden on our communications and technical systems; or
• with any automated software, process, program, robot, web crawler, spider, data mining, trawling or other "screen scraping" software, process, program or system.

c. Except for certain travel insurance products or services, this Sites are 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 Sites from locations outside the UK, you do so at your sole risk and you are responsible for compliance with all applicable local laws.

d. Except for certain motor insurance products for young drivers, the Sites are intended for the use of over-18s only.

e. You may operate a link to the Sites 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 Sites 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 Sites 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 Sites and in the information, content, material or data that we display on the Sites 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 Sites for your own personal, non-commercial use, provided you do not otherwise breach these Terms and Conditions.

c. All rights in moneysupermarket.com and/or travelsupermarket.com are owned by us.

d. You will retain ownership of any content that you submit, or otherwise make publicly available on or through the Sites ("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 Sites (for example, for travel insurance products), it should be made in the secure area of the Sites at the time of application for the Product. Payment methods other than those stated on the Sites 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 Sites. 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 Sites where you can then apply for the travel insurance product you have chosen. When you apply for travel insurance through the Sites, 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 Sites 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 Sites 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.

e. You must ensure that your User Content complies with the guidelines set out in Part 2 of these Terms of Use.

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 Sites 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 Sites using your username, password and/or other identification information.

a. The Products displayed on our Sites 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 Sites 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 Sites 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:

• for insurance products, the restrictions, exclusions, conditions and obligations which apply to the insurance product;
• for money products, the interest rate, any early redemption charges, restrictions, exclusions, conditions and obligations which apply to the product;
• for travel products, the minimum check in times, cancellations or modifications of bookings, refunds, visa or passport requirements, vaccination requirements, restrictions, exclusions, conditions and obligations which apply to the product; and
• for home services products, the restrictions, exclusions, conditions and obligations which apply to the product.

b. Any links to third party websites on our Sites 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 Sites (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 Sites 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 Sites at any time and without notice.

b. Nothing on the Sites 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 Sites 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 Sites 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 Sites. The views expressed in any such reviews do not represent our views or the views of our associated companies.

We aim to provide uninterrupted access to the Sites but we give no warranty on this. We reserve the right to suspend, restrict or terminate your access to the Sites 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:

• if any information, content, material or data you provide on the Sites is not correct, complete and accurate, or if it is misleading, or if you fail to disclose all relevant facts;
• in the event that any Product you apply for does not meet your requirements or is not suitable for you;
• in connection with the accuracy or content of any reviews of products or services displayed on our Sites or on any other website that you may access via our Sites;
• for any acts, omissions, errors or defaults of any third party in connection with that product or service;
• which are indirect or not foreseeable by us when you accessed or used the Sites;
• arising from an inability to access the Sites, from any use of the Sites or from reliance on the data transmitted using the Sites where such losses or damages are caused by any event beyond our reasonable control including as a result of the nature of electronic transmission of data over the internet;
• 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; or
• in connection with any voucher codes that you obtain via our Vouchers channel.

c. We do not give any warranty that the Sites are free from viruses or anything else which may have a harmful effect on any technology.

Our Eligibility Checker tools match your data to the criteria companies are looking for to see your chances of successfully obtaining a particular product such as a credit card or personal loan. 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. If you submit your details when using our Eligibility Checker tools, we will pass your information to those Eligibility Checker Providers and CRAs. 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 Policy.

Credit Monitor services through our Apps and on our website (“Credit Monitor Services”)

Our Credit Monitor services on our Apps and website regularly access your credit score and credit report. We use this credit services 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. Our Credit Monitor services on our Apps and website will notify you on a monthly basis when there have been changes to your credit score. Our Credit Monitor App will also allow you to view your credit report in full. When you use the Credit Monitor Services, your credit score and, if you’re using the Credit Monitor App, your credit report and any county court judgement information, are made available to you by TransUnion.  If you submit your details when using our Credit Monitor 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 Policy and TransUnion’s Privacy Notice.

For any other Services you access or subscribe to through the Credit Monitor App, please see the relevant section of these Terms and Conditions and our Privacy Policy  for information on the communications we will send you and how any personal data will be processed in connection with those Services.

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, if you?re using the Credit Monitor App, 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:

• there is or is likely to be a breach of security;
• you are misusing the Credit Monitor Services and/or TransUnion credit score and/or credit report or using them in a way which is not permitted or is fraudulent;
• your use of the Credit Monitor Services and/or TransUnion credit score and/or credit report is detrimental to us and/or TransUnion;

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 creditmonitor@moneysupermarket.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 creditmonitor@moneysupermarket.com 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 consumer@transunion.co.uk or by using the online process which can be accessed via the Credit Monitor App, which will raise a dispute with TransUnion.

The Stocks and Shares ISA channel on the Sites 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 Sites. The funds described on the Sites 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 Sites (including as to its suitability, adequacy or appropriateness for you or for any other person). Information on the Sites 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.

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.

• Our Energy Monitor services allow you to search for and compare domestic energy products from different suppliers in England, Scotland and Wales (please note these services are not available outside these regions).
  
  
• If you run an energy enquiry on the MoneySuperMarket App or are logged into your account (or create an account with us) when you run an energy enquiry on our Website, we will run regular background comparisons using the information we collected as part of your energy enquiry against prevailing energy tariffs on the market to provide you with information on energy deals that could save you money.  This information will be placed onto your homepage for you to view when you next log in (note that if you ran your enquiry through our App then you will need to log in to our Website in order to view the information).  These regular background comparisons will involve us re-submitting your personal information, including your supplier, tariff data, address and energy consumption data to the energy suppliers to obtain these comparison quotes for you.  We carry out such processing based on our legitimate interest in doing so.  Please see section 6.3 of our Privacy Policy for further information on the legitimate interest basis for processing your
  personal information.  If you would like us to stop this processing of your personal data, please email us at customerservices@moneysupermarket.com.
  
  
• If you sign up to the Energy Monitor alerts, you can set a savings threshold and we will regularly email you or, if you are using our App, we will contact you via email, in-App messaging and/or push notification, to let you know when you could save this amount of money or more on your energy deal and, if applicable, when your fixed tariff is coming to an end and the potential energy deals available to you.  This will involve the same re-processing of your personal data as described in the section above.  To turn off email communications from the Energy Monitor service, please follow the unsubscribe links included at the bottom of the emails.
  
  
• In connection with an application to switch your energy deal, we will provide certain information (A) such as the MPAN and/or MPRN for your address (these are numbers used to identify the energy / gas supply points in your home and are provided to us by a third party partner so that we can match them up to the address you give us) ; and (B) personal information, such as your direct debit details, to the energy suppliers to allow them to progress your switch.
  
  
• If you are making your application to switch your energy supplier through our App, we will use your MPANs and/or MPRNs to receive information on the progress of your switch from our third party partner and to update you on your switch or if you call our customer services team with a query about the status of your switch.  Due to the information we receive, any such update on the progress of your application to switch energy supplier will be based on the progress of your electricity switch only.  Any application to switch your gas supplier (including as part of a dual fuel switch) may not progress at the same rate as your electricity supplier switch.  Should you have any queries in relation to the progress of your application to switch electricity and/or gas supplier, you may contact us at customerservices@moneysupermarket.com or contact your energy supplier directly.
  
  
• Any use of your personal data when you switch will be subject to the energy supplier’s privacy policy and terms and conditions (which are not the responsibility of MoneySuperMarket).