MyMoneyPA.com (“the Website”) belongs to GMPD Limited (“we”, “us”, “our”). Any person using the Website or signing up to the MyMoneyPA service (“the Service”) will be subject to the following Terms and Conditions, so you should read them carefully. By using this website and the Service, you agree to be legally bound by these Terms and Conditions and your agreement to this must be given by acknowledging the declaration on the Website. If you do not accept these Terms and Conditions, you will not be able to use the MyMoneyPA service. In addition, if you do not consider these Terms and Conditions to be acceptable, you should stop using the website immediately.
The Terms and Conditions may change from time to time and they will be updated on the Website. We will notify our registered users when we make changes to these Terms and Conditions but it is up to you to check the Terms and Conditions regularly. You will be bound by the current version.
Using MyMoneyPA
The Website and the Service are intended only for use by UK residents. Neither the Website nor the Service are aimed at or intended for use by residents of any other jurisdiction.
In using this website and the Service you acknowledge that GMPD Limited is not offering you advice or recommendations. If you need advice, you should seek the assistance of an appropriately qualified professional adviser.
Within this website and the MyMoneyPA service you will find information designed to help you understand the best product providers based upon independent research or via other customer experiences. If, however, at any stage you cannot decide upon what action you should take or what the correct decision might be you must seek suitable professional advice.
We provide links to product providers (directly or indirectly). Should you purchase a product having followed one of these links, we may receive a small “affiliate” fee. However, whether a fee is received or not will never influence the links provided on the Website. We provide these links only as a convenience for users of the Service to reach products that they might consider useful or appropriate.
You will be asked to provide an email address. This should be an address that you have permission to use. We may use this email address to authenticate your identity and it will be used to communicate with you in regard to your use of the Website and the Service. You will be asked to provide personal information. You should provide this information honestly and accurately. If you provide information that is inaccurate or untrue, this will detract from the benefit you will receive from your use of the Service. We reserve the right to terminate permanently your use of the Service should, in our discretion, we reach the conclusion that you are providing information that you know or ought to know is inaccurate or untrue.
The information in the Website and the Service is for personal use and is not intended for distribution to or use by any person or entity in any country where such distribution would be contrary to law or regulation or where GMPD Limited would be required to submit to any registration requirement within that country.
Logos and indicia for MyMoneyPA are trade marks owned and exclusively controlled by GMPD Limited and must not be used by third parties without prior agreement with GMPD.
Exclusion of Liability
It is very important for you to understand how the use of the Website and the Service requires you to accept responsibility for your actions. In particular you should be clear on what aspects we have no responsibility for, so you should read the following very carefully.
Nothing in these Terms and Conditions (including these 'Exclusion of Liability' clauses) will operate or should be interpreted so as to limit or exclude liability save as permitted by law. In particular, we do not seek to limit or exclude liability for death or personal injury resulting from our negligence or for fraud or fraudulent misrepresentation.
Access to and use of the Website and the Service is at the user's own risk and we do not warrant that the use of the Website or any material downloaded from it will not cause damage to any property, nor do we warrant that we are able to minimise or eliminate the inherent risks of the internet including but not limited to loss of data, computer virus infection, spyware, malicious software, trojans and worms. It is your responsibility to ensure that your systems are suitably protected from attack. Also, we accept no liability in respect of losses or damages arising out of changes made to the content of this website by unauthorised third parties.
Whilst we have taken all reasonable steps to ensure the accuracy and completeness of the content of the Website and the Service, we exclude to the full extent permitted by law any warranties, undertakings or representations (either express or implied) as to the accuracy, availability or completeness of the content of the Website and the Service or any that part of the content or materials within the Website or Service are appropriate or available for use in the United Kingdom.
Subject to the foregoing, we accept no liability (including, without limitation in contract, tort, negligence, statutory duty or otherwise) to the maximum extent permitted by law arising out of the use of or access to this Website and the Service. This includes, without limitation, any errors or omissions contained in the Website or the Service or a situation where the Website or the Service is unavailable. We shall not be liable for any direct or indirect loss or damage, economic losses (including without limitation loss of revenues, data, profits, contracts, use, opportunity, business or anticipated savings), loss of goodwill or reputation, special, incidental, consequential loss or damage, suffered or incurred arising out of or in connection with your use of this Website and the Service and these Terms and Conditions.
MyMoneyPA is not responsible for any comments, ratings, opinions or any other posting by third parties on the Website.
Your Personal Data and Privacy
By agreeing to these Terms and Conditions, you are consenting to our collection and storage of certain personal data about you. In view of this you should understand the following:
(a) this data will be used to provide the service applied for and may be stored by us to keep you informed of products and services which may be of interest to you, providing you have given your consent to this. If at any time in the future you no longer want to receive information then let us know and we will remove you from our mailings.
(b) The data will be stored on a secure database and will not be released to any other person.
If you wish to receive details of personal data held about you by us, you may write to request this - there is a fee for this service.
MyMoneyPA provides links to other third party websites. These websites will have their own privacy policy and Terms and Conditions. MyMoneyPA does not accept responsibility or liability for the content or processes within those websites as they are beyond our control.
MyMoneyPA complies with the Data Protection Act and is registered with the Information Commissioner’s Office (www.ico.gov.uk).
Copyright and Logos
All intellectual property rights in the Website and the Service, save as expressly granted in these Terms and Conditions or elsewhere, are reserved. Reproduction in any form of any part of the contents of this website or the MyMoneyPA service without our prior written consent is prohibited save only where such reproduction is for personal use. The Website and the Service contain numerous trade marks belonging to GMPD Limited and if you are in doubt as to whether an item is a trade mark please contact us for clarification at the registered office address below.
Ratings and Comments
Your views, ratings and comments are a key element in providing the community with information that can support the decision-making process. You warrant that you own the copyright in all text posted on the site by you. However in using the site you give MyMoneyPA a perpetual, royalty free and irrevocable licence to use or reproduce that text in any form or media throughout the world within the Service or on the Website or otherwise.
You acknowledge that MyMoneyPA may use your username to attribute comment or ratings at our discretion and that all information is non-confidential and non-propriety. You also grant MyMoneyPA the right to pursue in law anyone or any entity that abuses your or MyMoneyPA’s rights in the posting of comments or ratings that breach of these Terms and Conditions.
MyMoneyPA reserves the right at its sole discretion to remove any comment, rating or views deemed to be inappropriate, illegal, false, libelous, misleading, defamatory, pornographic, obscene, abusive or otherwise unlawful or generally in conflict with the values of the company and the Website.
Advice
The contents of the Website and the Service do not purport to provide any financial or professional advice and nothing on the pages of the Website or subsequent communications by email (including any other form or electronic messaging), SMS and telephone shall be deemed to constitute the offer or provision of such professional advice.
Changes to Website
The contents of the Website, including these Terms and Conditions of use, are subject to change by us without notification and the company shall not be obliged to remove any outdated information from the Website or to expressly mark it as being outdated.
Internet Communications
In order to maintain the security of its systems, protect its staff and detect fraud and other crimes, we reserve the right to monitor all internet communications, including web and email traffic, into and out of our domains. Monitoring includes checks for, but not limited to; viruses and other malignant code, criminal activity, and use or content that is unauthorised or which we consider to be in breach of our security policies.
Other Important Information
The information, and any opinion contained in the Website and the Service does not constitute a public offer under any applicable legislation or an offer to sell or solicitation or an offer to buy any securities or financial instruments or any advice or recommendation with respect to such securities or other financial instruments.
The information in this Website and the Service must be read in conjunction with other information made available from the providers of the material to which we have provided a link. This includes that provided by product providers. If you acquire a product through the use of the Website and the Service, you acknowledge that you have done so only on the basis of your own judgment as to the suitability of the product in relation to your requirements.
You agree to use the Website and the Service only for lawful purposes and in a way that does not infringe the rights of any third party or which restricts or inhibits anyone else's use and participation. Prohibited behaviour includes using the Website or the Service in such a way that it damages the commercial objectives of GMPD Limited by disrupting the normal information flow of data or other aspects of its normal operating process with product providers. Where prohibited behaviour is detected GMPD Limited will use all available means to pursue the individuals / persons responsible.
Complaints
If you are not satisfied with any of GMPD Limited’s services, we have a complaint handling procedure that you can use to resolve such matters. Please use the ‘get in touch’ form on the website to explain your grievance.
Enforceability
In the event that any provision of these Terms and Conditions of use and access to the Website and the Service is held to be unenforceable, that judgment will not affect the validity and enforceability of the remaining provisions and will be replaced by an enforceable provision that comes the closest to the intention underlying the unenforceable provision.
Governing Law
This Contract will be governed by English law in every particular including formation and interpretation and shall be deemed to have been made in England and the parties hereby submit to the exclusive jurisdiction of the English Courts.
Registered office details
GMPD Limited, trading as MyMoneyPA, 6 Stocksfield Hall, Stocksfield, Northumberland NE43 7TN Company No. 5930862
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