Terms & Conditions

a. 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. Any commercial agreement we have in place with a provider won’t affect how we compare or rank the quotes provided to you in the results table. Our goal is to search deals from as wide a range of companies as possible, but we only show results from our partner providers. 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:

• 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 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.

d. You must be aged 16 years and over to create an account on the Site, please see our Privacy Policy for more detail on how we use your personal information.

e. Except for certain motor insurance products for young drivers or certain travel insurance products, our Site is intended for the use of customers aged 18 years or over only.

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

g. 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.

h. 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 Policy 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. 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 (e.g., 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 an 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 an 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 a confirmation when your offer has been accepted.

a. 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.

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.

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

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 provides 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 Site.

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 that apply to the product.

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. 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.

a. 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 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.

a. Our Credit Score 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 Score services on our Apps and website will notify you on a monthly basis when there have been changes to your credit score and will also notify you if there have been other significant changes or additions to your report and you can also view your credit report in full. When you use the Credit Score services, your credit score and 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 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 Policy and TransUnion’s Privacy Notice.

b. For any other Services you access or subscribe to through the 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.

c. When you use the 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 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;

• 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 that 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;

  • 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.

d. 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.

e. To turn off communications from our Credit Score Services, please email us at: creditmonitor@moneysupermarket.com (as set out in the emails themselves).  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: creditmonitor@moneysupermarket.com specifying that you do not wish any further processing of your data with respect to Credit Score Services to ta

f. 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.