Terms and Conditions
COMPARISON EXPERTS / COMPARISONEXPERTS.COM
Welcome to comparisonexperts.com, your gateway to the following information and services:
- Money Manager for all of your accounts, regardless of the provider
- tools for comparing mortgages, credit cards, savings accounts and other financial products
- informative articles and guidance on a range of investment subjects
- our supportive online community of like-minded individuals
- independent mortgage advice
- insurance brokerage.
The comparisonexperts.com website is operated by The Cobra Group PLC, a company registered in England and Wales under company registration number: 03464199 and having its registered office at Studio 320 Highgate Studios, 53-79 Highgate Road, London NW5 1TL.
Mortgage and insurance services offered through comparisonexperts.com are provided by Lovemoney.com Financial Services Ltd, a company registered in England and Wales under company registration number: 06500894 and having its registered office at 2nd Floor, 112–116 Old Street, London EC1V 9BG. Lovemoney.com Financial Services ltd is authorised and regulated by the Financial Conduct Authority (registered number 479153).
We may change or update these terms at any time without prior notice. Your continued use of comparisonexperts.com means that you accept any new or modified terms.
By registering, you certify that all information you provide in the registration is accurate. Customers may only maintain one active registration. In other words, it's one registration per person. By accepting this agreement, you certify that you have no other registration with comparisonexperts.com.
You must have a valid email registered with us at all times. If an email that we send to you should bounce for some reason, your account may be temporarily suspended until you contact us with a verifiable address.
ACCESSING OUR SITE
Access to our site is permitted on a temporary basis, and we reserve the right to withdraw or amend the service we provide on our site without notice. We will not be liable if for any reason our site is unavailable at any time or for any period.
From time to time, we may restrict access to some parts of our site, or our entire site, to users who have registered with us.
In this section, 'Content' means any information, mode of expression, or other material and services found on comparisonexperts.com. This includes questions, answers, reviews, comments, tips or other pieces of user-generated content, as well as software, our writings, graphics and any and all other features that may be found on the site.
Our Content is intended for individual, personal use only. Accordingly, you may make one copy of our content for your personal, non-commercial use, provided that any material copied remains intact and includes the following notice: "Copyright 2015 comparisonexperts.com." Any other copying, distribution, storing or transmission of any kind, or any sort of commercial use of our content, is strictly prohibited without our prior written permission.
The information provided on comparisonexperts.com is for general information purposes only. It is not, and should not be construed as, financial or other professional advice. You should not rely on the information you find here to inform your decisions; rather, use it as a starting point for doing your own independent research.
In the material we make available on our site, we rely on a wide variety of sources and other websites. We believe these sources of data to be generally accurate and reliable, but sometimes they may not be. The Cobra Group PLC makes no claims or representations as to the accuracy, completeness, or truth of any material contained on our site. Nor is The Cobra Group PLC liable for any errors or delays in the content or transmission of the data on our site.
OUR ADVERTISERS AND SPONSORS
Our site and email products include third-party advertisements. The appearance of an advert does not mean that we endorse the advertiser's goods or services. While we will not knowingly run an advert that is untrue, comparisonexperts.com is not responsible for the accuracy of any advertising material or the usefulness of an advertised product or service.
In our various product comparison centres, we may feature a number of providers that have paid comparisonexperts.com to promote their services to you. We do not recommend one over another and these areas are not intended to be an exhaustive list of all providers of a particular financial product. It is up to you to decide whether what they offer is right for you. You can find more detailed information about our relationship with our sponsors in the disclosure documents for each of our product comparison centres.
Please note that The Cobra Group PLC has no control over the third party providers listed in our comparison centres. Accordingly, The Cobra Group PLC specifically disclaims all liability for any damage or costs of any type arising out of or in any way connected with your use of a provider’s service or product included in our product comparison centres.
You own the copyright in the expression of your submissions on our site. Please note, however, that when you post content, you expressly grant The Cobra Group PLC a perpetual, irrevocable, royalty-free, worldwide, assignable, non-exclusive license to use, edit, alter, adapt, translate, copy, publish, continue to publish or republish the submission (and/or an edited, adapted or translated version of it or part of it) ('the Work') and/or to sell or otherwise communicate or distribute the Work, as part of an edited compilation or in any other way howsoever. The licence is capable of sub-licence, unlimited in the use to which we may put the Work and exists whether or not you remain a registered user.
As the licence is irrevocable, this means, for example, that we do not have to remove your posts even if you would like us to and even if you are no longer a registered user. We’ll credit you under your user name (either the one existing at the time of the post or otherwise) as the author in any use of your material. By submitting your post you warrant that you have the right to grant The Cobra Group PLC the non-exclusive copyright licence described above.
comparisonexperts.com champions active and open debate among our community members. All that we ask is that it's done in a lawful and civil manner – be it in the comments area of our articles, asking or answering a question on Q&A or using any other interactive feature on our site.
Accordingly, you agree to use comparisonexperts.com for lawful purposes only. You may not use, or allow others to use, your comparisonexperts.com membership to:
- post or transmit any content that is abusive, vulgar, obscene, hateful, fraudulent, unlawful, threatening, harassing, or defamatory, or which discloses private or personal matters concerning any person
- post or transmit any material that you do not have a right to transmit under law (such as copyright, trade secret or securities) or under contractual or fiduciary relationships (as in nondisclosure agreements)
- post, transmit, or link to sexually explicit material
- impersonate any person or entity, or falsely state or otherwise misrepresent your affiliation with anyone or entity
- post or transmit statements that are intentionally false or misleading, or use such statements to manipulate the market for any security
- post or transmit any advertising, promotional materials, or other forms of solicitation including chain letters or pyramid schemes
- offer, sell, or buy any security
- intentionally violate the laws, rules and regulations of the Financial Conduct Authority and the national or other securities exchanges
- intentionally violate any other applicable law or regulation while accessing and using our site
- collect or store personal data about other site users
- post or transmit any file that contains viruses, corrupted files, 'Trojan Horses', or any other contaminating or destructive features that may damage someone else's computer or attempt to gain unauthorised access to our site. By breaching this provision, you would commit a criminal offence under the Computer Misuse Act 1990. 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 will cease immediately.
Whilst we can't review all transmissions by our site users, comparisonexperts.com reserves the right to monitor any information transmitted or received through our service. The Cobra Group PLC, at our sole discretion and without prior notice, may at any time review, remove, or otherwise block any post or terminate your membership for violating the above provisions.
You are responsible for all statements made and acts that occur through the use of your membership and password. You must not disclose your password to anyone. If your password has been stolen, you must let us know immediately.
DISCLAIMER OF WARRANTIES AND LIABILITY
The Cobra Group PLC cannot and does not warrant the completeness or accuracy of the news, information, or other content found on our site, or its usefulness for any particular purpose.
You understand and acknowledge that information posted by third party providers are the sole responsibility of the person from which such material originated. The Cobra Group PLC takes no responsibility for the accuracy and completeness of the information posted in our site areas including our product comparison centres.
You agree that The Cobra Group PLC shall not be liable for any decision made or action taken by you or others based upon reliance on news, information, or any material published at comparisonexperts.com.
All information provided on comparisonexperts.com is to be used on an 'as is, with all faults' basis. We make no promises that our content or the service itself will be delivered to you uninterrupted, secure, error-free or delivered in a timely manner. In fact, we're not making any promises or warranties except that we won't intentionally lie to you. Other than that, we reserve the right to be wrong.
Now what does all this mean? It means that you agree that under no circumstances shall The Cobra Group PLC be liable for any direct, indirect, incidental or any other type of loss or injury resulting from your use, or downloading of any content on our site. This includes, but is not limited to, loss or injury caused by contingencies beyond our control in creating or delivering any portion of comparisonexperts.com. Nothing herein excludes or limits comparisonexperts.com’s liability for death or personal injury caused by its proven negligence, or excludes or limits our duties or any liability under any applicable law.
We will not be liable for any loss or damage caused by a distributed denial-of-service attack, viruses or other technologically harmful material that may infect your computer equipment, computer programmes, data or other proprietary material due to your use of our site or to your downloading of any material posted on it, or on any website linked to it.
LINKING TO OUR SITE
You may link to our home page, provided you do so in a way that is fair and legal and does not damage our reputation or take advantage of it, but you must not establish a link in such a way as to suggest any form of association, approval or endorsement on our part where none exists.
You must not establish a link from any website that is not owned by you.
Our site must not be framed on any other site, nor may you create a link to any part of our site other than the home page. We reserve the right to withdraw linking permission without notice.
If any provision in this Agreement is invalid or unenforceable, the remaining provisions will continue in full force and effect.