The information on this website, our social media pages or any other content created by us does not constitute any form of financial advice and because we cover so many different topics, categories, news articles and our content appeals to all people from all circumstances you should not rely on any of it for any decisions you make (or do not make) and you therefore should always carry out your own independent research before you make any decision.
Do not proceed with any signing up, purchasing or agreeing to any contract until you have fully read, understood and agree to the terms and conditions and checked the information held about you is correct and accurate. It is your sole responsibility to check a product/service meets your requirements before proceeding, we cannot accept any liability for loss or damage you may suffer or incur.
We will always try and ensure that the content we create is accurate, however we do not guarantee this, please ensure you check all details yourself before proceeding with anything that we’ve posted about. We have a in-house list of approved companies/websites that we believe are safe to buy from however there is no guarantee that any third party companies that we mention or link to are safe to buy from, have a decent customer service team or are likely to continue trading after you’ve made a purchase.
All of the content including any tools, guides, imagery, articles, comments, texts belongs to their respective copyright holders or us. You do not have the right to copy any content for commercial use. You do have the right personally to make one single copy, on one computer of any piece of our content as long as it retains our copyright for your own individual use only. Apart from that, none of our content may be republished, posted, transmitted, stored, sold, distributed or modified without our prior written consent.
To the best of our knowledge our website is accessible by the majority of people in the UK, we cannot promise you will have full access to the website 24/7 nor will your experience be error free or uninterrupted. It is your responsibility to keep any device that you use to access this website safe, virus free and secure.
You agree that under no circumstances will we be held liable for any direct, indirect, incidental or other type loss or injury resulting from your use, or downloading of any content on our website.
Any liability for any direct, indirect or consequential loss or damage incurred by any user in connection with our website or in connection with the use, inability to use, or results of the use of our website, any websites linked to it and any materials posted on it, including, without limitation any liability for:
loss of income or revenue;
loss of business;
loss of profits or contracts;
loss of anticipated savings;
loss of data;
loss of goodwill;
wasted management or office time; and
for any other loss or damage of any kind, however arising and whether caused by tort (including negligence), breach of contract or otherwise, even if foreseeable, provided that this condition shall not prevent claims for loss of or damage to your tangible property or any other claims for direct financial loss that are not excluded by any of the categories set out above.
This does not affect our liability for death or personal injury arising from our negligence, nor our liability for fraudulent misrepresentation or misrepresentation as to a fundamental matter, nor any other liability which cannot be excluded or limited under applicable law.