Terms and conditions


The following terms and conditions apply to all sections and pages under the moneyadviceservice.org.uk website and, where relevant, to other services provided by us. Additional terms and conditions may also apply to other services provided by us and these are set out below and/or will be explained or made available to you if you use these services.

Please read these terms and conditions carefully. They govern our relationship with you in relation to this website. By using or accessing any part of this website you will be deemed to have accepted these terms in full. If you do not accept these terms and conditions please do not continue to use this website.

We may modify these terms and conditions by posting an updated copy of them on this website from time to time. You should check this website from time to time to review the current terms and conditions. By continuing to use this website you agree to the amended terms and conditions.

Information about us

We are the Money Advice Service, a limited company registered in England and Wales. Our registered office is at 120 Holborn, London, England EC1N 2TD and our registered number is 07172704. You can contact us by e-mail at enquiries@moneyadviceservice.org.uk.

The website to which these terms and condition apply and for which we are responsible is moneyadviceservice.org.uk and all related micro-sites. This website has not been approved by the FCA or by any financial regulatory authority of any other state or jurisdiction.

Your use of this website and our intellectual property rights

All tools and information available on this website are provided as a free resource and may not be used for commercial purposes of any kind without our prior written consent. For the avoidance of doubt, the use of this website by advisers seeking information to assist clients is not considered to be commercial or quasi commercial use. Written requests to use the information available on this website for commercial purposes may be submitted via email to enquiries@moneyadviceservice.org.uk or by letter to ‘Customer enquiries’ at the Money Advice Service registered address above.

We retain the right, without any obligation, to modify, update, withdraw or deny access to this website at any time and without notice. If the need arises, we may suspend access to this website or close it down indefinitely.

Unless otherwise stated we own the copyright and any other intellectual property rights in all material on this website and in our publications (or are licensed to use the same). Materials include, but are not limited to, the design, layout, look, appearance, graphics and documents on this website, as well as other content such as articles and other text.

All downloadable information materials on this site are licensed for non-commercial use under the Creative Commons Attribution-NonCommercial-No Derivs 2.0 UK: England & Wales License. Under the terms of this licence you must not alter, transform, or build upon these materials, use these materials for commercial use and you must identify the Money Advice Service as the author of these materials.

In addition, your use of the reports entitled “Financial Capability” of the UK’ made available on this website on 2 August 2013, and “Indebted Lives: The Complexities of Life in Debt“ made available on this website on 27 November 2013 (the “Reports”) are subject to the following additional provisions:

1. You shall not use and/or display extracts from the Reports in a context from which it may be reasonably inferred (in the opinion of the Money Advice Service) that:

a. the Money Advice Service is promoting or recommending your argument, opinion, or point of view;

b. your opinions or the views that you promote are the same or similar to those of the Money Advice Service;

c. the Money Advice Service is endorsing or recommending you or your goods or services; or

d. the Money Advice Service is affiliated in any way with you.

2. You shall not make any addition to, deletion from, alteration or adaption of the Reports (by selectively using extracts of the Reports or otherwise) that would distort the Reports (or give a reader of your work a distorted impression of the totality of the Reports) or otherwise affect the reputation of the Money Advice Service;

3. You shall always attribute any extracts of the Reports you use in your work to the Money Advice Service.

4. You shall not use extracts of the Reports in a work, or in part of a group of works which:

a. promotes any form of illegal activity;

b. could be reasonably considered by the Money Advice Service as defamatory; or

In the event of any inconsistency between these additional terms and the rest of these terms or the Creative Commons Attribution-NonCommercial-No Derivs 2.0 UK: England & Wales License, these additional terms will prevail in relation to use of the Reports.

Our liability to you

This website, our publications, telephone, face-to-face and web-chat services are here to help you manage your money better and make informed choices.

Whilst we try to ensure that the information on this website, in associated publications and the advice given by our advisers via the Money Advice Line, face-to-face and web-chat sessions is current and correct no undertaking, representation, warranty or other assurance, express or implied, is made or given by or on behalf of the Money Advice Service or any of our partners, employees, agents or advisers or any other person as to the reliability, accuracy or completeness of the information, opinions, advertising, data or other materials contained on this website or the advice given by our advisers and no responsibility or liability is accepted by any of them for any such information, opinions, advertising or data.

We are not liable for any damages (including, for example, damages for loss of business or loss of profits) arising in contract, tort or otherwise from the use of or inability to use: the Money Advice Service website, associated publications, the advice given by our advisers via the Money Advice Line, face-to-face and/or web-chat sessions or any material contained in them, or from any action or decision taken as a result of using this website, associated publications, the Money Advice Line, face-to-face or web-chat sessions. These terms and conditions do not exclude or limit our liability (if any) to you for:

  • Personal injury or death resulting from our negligence
  • Fraud and fraudulent misrepresentation, or
  • Any matter for which it would be illegal for us to exclude or to attempt to exclude our liability.

Availability of this website

Whilst we try to ensure that this website is available 24 hours a day we are not liable if, for any reason, the site is unavailable for any period of time.

We make no warranty that this website is free from defects, viruses or anything else which may be harmful or destructive or that any defects and viruses that do arise will be corrected. We do not guarantee that this website will be compatible with all or any hardware and software that you may use.

We do not control other websites linked to or from this website and we are not responsible for the contents of them, or any changes or updates to such websites. We are not responsible for webcasting or any other form of transmission received from any other websites.

Information on this website

The Money Advice Service is not regulated by the Financial Conduct Authority and the Money Advice Service does not provide a regulated service.

The information and tools that the Money Advice Service provides are generic and should be of general assistance to you in managing your finances. However, the money advice service cannot recommend specific financial products and always recommends that you seek further information from an independent financial adviser, and/or further information from the providers of specific financial products.

If you are using the financial health check, retirement information or tools or any other resources on the website, these are designed to give you information and advice to help you identify your financial needs and manage your money better. In particular, the financial health check provides a personal action plan which is based on the information that you give us about your current financial circumstances. Please note that the tools on the Money Advice Service website are not and can never be a substitute for you thinking about your own circumstances and priorities.

You should not buy, sell or change the terms of a product purely on the basis of any resources on the website. If you need regulated financial advice, consult a professional financial adviser.

Whilst we try to ensure the information contained on the website is accurate and up to date, including the qualifications and other details of the financial advisers in our retirement advisor directory, we cannot be responsible for any inaccuracies in the information. We are under no responsibility to provide you with access to any additional information or to update this website, even if inaccuracies become apparent.

No person, especially those who do not have professional experience in matters relating to investments, may rely on the contents of this website. Retail investors should not enter this website, rely on or act upon its contents. No responsibility is accepted by us or any of our partners for any action taken on the basis of the content of this website (to the extent permitted by applicable laws/regulatory rules). Our liability to you as explained above remains unaffected by this.

Contracting online

Nothing on this website is intended to be nor should be construed as an offer to enter into a contractual relationship with you or anyone else, except for these terms and conditions which govern the relationship between us in relation to your use of the website.

If you make a contract with a third party who is named or referred to on this website, it is your responsibility to ensure that the terms of that contract are acceptable to you and to take legal advice if necessary.

Special additional terms and conditions applying to the Money Advice Line, face-to-face and web-chat sessions.

We may record calls made to the Money Advice Line for quality control, evaluation and training purposes. Any information that you provide will be treated in accordance with the Data Protection Act 1998 – please see the section ‘Personal Information’ below.

Prohibitions on your use of this website

You may not use this website for any purpose that is unlawful or prohibited by these terms and conditions. In particular, but not exclusively you are prohibited from posting or transmitting to or from this website any material:

  • That is threatening, defamatory, obscene, indecent, seditious, offensive, pornographic, abusive, liable to incite racial hatred, discriminatory, menacing, scandalous, inflammatory, blasphemous, in breach of confidence, in breach of privacy or which may cause annoyance or inconvenience
  • For which you have not obtained all necessary licences and/or approvals
  • Which constitutes or encourages conduct that would be considered a criminal offence, give rise to civil liability, or otherwise be contrary to the law of or infringe the intellectual property rights of any third party, in any country in the world, or
  • Which is technically harmful (including, without limitation, computer viruses, logic bombs, Trojan horses, worms, harmful components, corrupted data or other malicious software or harmful data).

We shall fully cooperate with any law enforcement authorities or court order requesting or directing us to disclose the identity or locate anyone posting any material in breach of this section.

Other applicable terms

Any contractual and non-contractual obligations and other matters arising from or connected with these terms and conditions shall be governed by English law and these terms and conditions shall be construed in accordance with English law.

The courts of England and Wales shall have exclusive jurisdiction to settle any dispute which may arise out of or in connection with these terms and conditions.

Any provision of these website terms and conditions which is, or may be, void or unenforceable shall, to the extent of such invalidity or unenforceability, be deemed severable and shall not affect any other provision of these website terms and conditions.