MoneyAdviceNetwork Customer Service Charter

General notes
These terms and conditions govern the use of our website, www.moneyadvicenetwork.co.uk. Please ensure you read these terms and conditions before you start using the website. If you do not agree with these terms and conditions, are below the age of 18, or non UK resident, then you should not use this website. Please contact us with any questions regarding these terms and conditions, or if you have any other concerns regarding our services.

Information about us
MoneyAdviceNetwork is a wholly owned subsidiary of Debt Advisory Line LLP, which is registered in England and Wales under company number OC319921, registered address:

1C Riparian Way
Crossing Business Park
Crosshills
BD20 7BW

Telephone: 0800 652 8086

Our regulator
We are licensed by the Office of Fair Trading and registered with the Information Commissioner's Office.

Our services
We aim to provide you with general overview of products and services to which we have access, or affiliate access to. Should you require advice specific to your personal and financial circumstances, you should ask to speak to one of our advisers. If we are unable to help, we may refer you to an Independent Financial Adviser (IFA).

Accessing our website
Although we will always try to provide you with uninterrupted access to our website, we are unable to make any promises about this and may terminate, suspend or restrict access to the website without prior notification.

Regular updates
We will endeavour to ensure the content available to you is up to date and accurate however we can not be held responsible for any errors or omissions.

Variation of terms and conditions
Because we may need to amend or vary our terms and conditions from time to time it important that you regularly review this section because we will assume your agreement to any changes.

Intellectual property
Logos denoting a ™ or the ® are registered trademarks belonging to MoneyAdviceNetwork and you may not use these without our prior written consent. We also own or are the licensee of all intellectual property rights in our website including any software that we use to run the website and all published material. Our intellectual is available for your personal use only and you must not copy, alter, modify, sell, distribute, publish or create any derivatives, nor link to the website without prior written consent.

Our liability
Although we will endeavour to ensure the content of our website is accurate and up to date, we cannot provide you with any warranty to this effect. Furthermore, we are unable to guarantee our website or the date on it to be fault-free, uninterrupted or free of viruses.

Our website may also contain information submitted to us by third parties. We do not monitor, verify or endorse information submitted by these third parties for inclusion on our website and you satisfy yourself with the content, accuracy and validity of any such information. We do not seek to exclude or limit our responsibilities or liability that cannot be limited or excluded under any applicable law.

In all other cases, and to the extent permitted by law, we exclude all warranties, terms and representations (whether express or implied) as to the accuracy of any information contained on our website. We have no liability to you for, any liability for any loss or consequential damage incurred by you.

Your liability
It is reasonable for is to expect that you will adhere to these terms and conditions if you make use of our website. If believe you have breached any of these terms and conditions or demonstrated inappropriate conduct when using this website, then we may terminate or suspend your access rights. If your use of our website causes any loss or damage, we may hold you responsible and liable for any costs thereby incurred.

Customer services and complaints
Our primary goal is to provide you with an excellent service. However, if for some reason, you are dissatisfied with any aspect of our service, for whatsoever reason, then you should contact our Client Care Manager by phone, email, or at the address given above. All calls will be charged at local rates and your call to us may be monitored or recorded to help improve our services.

We will endeavour to acknowledge receipt of your complaint, in writing, within 3 business days and we will inform you of the name or title of the individual responsible for your complaint. We may combine the acknowledgement of the complaint with our final response, but in any event we aim to resolve complaints at the earliest opportunity.

If you are unhappy with any product or service that you have been introduced to through our website, please contact our Customer Services Team for further assistance.

Website transactions
Use of our website is entirely free however it may contain links to other sites and resources provided by third parties who may offer products or services for a fee. We have no control over the contents of those sites or resources, and accept no responsibility for them or for any loss or damage that may arise from your use of them.

You are responsible for any choice to obtain products or services from any third party through our website. If you navigate away from our website, you will be bound by the third party terms and conditions. You are reminded that we can not be held responsible or liable for the content, advertising, products services or the use you make of any third party websites.

Our Privacy Policy

To take advantage of some of the services offered through our website you may be required to provide certain information regarding your personal and financial circumstances. The nature of our business is such that we may also on occasion ask you to provide sensitive personal data such as questions relating to your health where that information is required in order to provide life insurance quotations. If this is done, we will always request your explicit consent to the use of such sensitive personal data.

Personal data
We adhere to the requirements of the Data Protection Act 1998 and follow strict security procedures in the storage and disclosure of personal information provided through our website, to prevent unauthorised access. We willl take all reasonable steps to ensure your personal details remain secure.

Use of personal information
We or third parties acting on our behalf may use your personal information to populate online forms with data provided by you which we screen and pass on to suitable providers:

• To provide you with information, products or services that you request
• To allow access to any interactive features of our website
• To contact you by letter, telephone or e-mail to inform you about other products and services which may be of interest to you
• To notify you of any latest news, changes to the website, special events or other services we think may interest you

We may also disclose your personal information to third parties:

• Who provide financial products and services relevant to the products or services you have selected
• We think might be of interest to you so that they can also provide you with information about the goods or services that they provide

We also may need to disclose your personal information:

• As required to comply with any applicable law
• To protect ourselves and users (including exchanging information with other companies for the purposes of fraud protection)
• Following any future sale or business transfer

Your rights
If you do not agree with this Privacy Policy then you should not enter any of your personal information on our website. If, after having provided personal information, you object to the use of your personal information, you need to let us know immediately by phone, email or letter. Please note that any such requests can take up to 28 days to process.

This Privacy Policy applies solely to information collected through our website and we are not responsible for third party content providers linked to our website.

Validity
These terms and conditions are governed by and construed in accordance with English law.