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Terms and Conditions

The terms and conditions of use set out below apply to the website moneyadvicehelpline.org (the “Website”). This Website is a trading style of Money Advice Helpline and is owned, operated and controlled by Money Advice Helpline. The Website is intended for use by residents of the United Kingdom of Great Britain and Northern Ireland only. By using the Website, users are deemed to have full knowledge of the following terms and conditions and to accept them.


The term ‘we’ means Money Advice Helpline , a company registered in England with company whose registered address is Amy Johnson Way, York YO30 4AG (“we”, “us” and “our” will be construed accordingly). Its related websites, services, applications or tools (collectively referred to in these Terms as “the Website”).

The term “you” refers to the user or viewer of the Website (and “your” will be construed accordingly).

The Website uses cookies. By using the Website and agreeing to these Terms, you consent to our use of cookies in accordance with the terms of our Cookies Policy and to the use of your information in accordance with our Privacy Policy.

Using the Website

In order to use the Website, you must be over 18 years. By registering, you are confirming that you are over 18 years.

As a condition of your use of the Website, you agree that you will not:

  • Breach any laws or regulations;
  • Distribute viruses or any other technologies that may harm the Website or the interests of its users;
  • Impose an unreasonable load on the Website technology or infrastructure;
  • Distribute spam, chain letters, or promote pyramid schemes;
  • Use any robot, spider, scraper or other automated means to access the Website without our express written permission;
  • Interfere with the proper working of the Website;
  • Collect information about other users of the Website, including email addresses, without their consent;
  • Use any of the Website’s copyrights and trademarks without permission;
  • Bypass measures designed to prevent or restrict access to certain parts of the Website;
  • Sell any unlawful or counterfeit goods or otherwise infringe the copyright, trademark or other rights of third parties.

We reserve the right at our discretion to refuse content that we may believe is inappropriate or is in breach of the above terms. If we believe that you are breaching these Terms in any way and/or behaving suspiciously on the Website we may, at our discretion, inform other the Website users that have been in contact with you and recommend that they exercise caution.

Unless otherwise stated, Money Advice Helpline owns the intellectual property rights in the Website. Subject to the license below, all these intellectual property rights are reserved.

You are responsible for all information that you submit to the Website and any consequences that may result from your post.

Use of the Website

You understand and agree that the purpose of the Website is to provide you with access to third parties who may be able to assist you with services which are relevant to your needs.

Accordingly, you agree that in order to fulfil the purpose of providing these services to you, we will need to pass your contact information to third parties who can then contact you in order to offer these services which you have requested. Any information provided to these third parties by us will be in compliance with the terms of our Privacy Policy

Misuse of the Website

We may at our discretion issue warnings, limit or terminate our service, or remove User Content and take technical and legal steps to keep users off the Website if we think that they are misusing the Website (including harassing the Website employees or other users). However, whether or not we decide to take any of these steps, we do not have any obligation to monitor the information transmitted or stored on the Website and we do not accept any liability for unauthorised or unlawful content on the Website.

Postings and User Content

Our Website may permit the submission of user comments including the submission of text (including chat), images, videos or other content by you and other users (all of which is defined as “User Content”) and the hosting and publishing of such User Content. You understand that whether or not such User Content are published, we do not guarantee any confidentiality with respect to any User Content.


You agree to comply with all posting rules which we may provide on the Website and which will be deemed to be expressly incorporated into these Terms. You shall be solely responsible for your own User Content and the consequences of posting or publishing them.

You represent and warrant that:

you own or have the necessary rights and permissions to use and authorize us to use all copyright, trademark or other proprietary rights in and to any User Content to enable inclusion and use on the Website and in accordance with these Terms; and whilst, you retain all of your ownership rights in your User Content, by submitting the User Content to us, you hereby grant us, in addition to any other rights which we may have, a worldwide, royalty-free, non-exclusive and transferable license (which is sublicensable) to use, copy, prepare derivative works of (including without limitation, to rename, edit, shorten, split videos into different segments, and use an entire image or video or segments as part of compilations), display and broadcast the User Content in connection with the Website and our business, including without limitation to grant access to the Website to third parties to view the User Content (and derivative works thereof) and to distribute the User Content through any and all media or distribution methods now available or later developed.

you will not: (i) submit material that is false or misleading copyrighted, protected by trade secret or otherwise subject to third party proprietary rights, including privacy and publicity rights, unless you are the owner of such rights or have permission from their rightful owner to post the User Content and to grant us all of the license rights granted herein; (ii) publish falsehoods or misrepresentations that could damage us, our business or any third party; (iii) submit material that is unlawful, obscene, libellous, threatening, pornographic, or encourages conduct that would be considered a criminal offense, give rise to civil liability, violate any law, or (iv) misidentify yourself in submitting the User Content or misstate your true identity.

Any breach of the above warranties may result in your account being immediately terminated and may result in you becoming liable to legal action.

We do not endorse any User Content or any opinion, recommendation, or advice which it may express, and we expressly disclaim any and all liability in connection with User Content. You understand that when using the Website, you will be exposed to User Content from a variety of sources, and that we are not responsible for the accuracy, usefulness, safety, or intellectual property rights of or relating to such User Content. You may be exposed to User Content that is inaccurate, offensive, indecent, or objectionable, and you agree to waive, and hereby do waive, any legal or equitable rights or remedies you may have against us with respect thereto, and agree to indemnify and hold us, our owners, affiliates, employees, agents and/or licensors, harmless to the fullest extent allowed by law regarding all matters related to your use of the Website.

Copyright and Licence

The Website contains material which is owned by or licensed to us. This material includes, but is not limited to, the content, design, layout, look, appearance and graphics. You are granted a licence to use the material contained on the Website subject to the restrictions described in these Terms.

You are not permitted to:

Republish material from the Website (including republication on another website, except for the purpose of promoting use of the Website for example by reposting content in social media such as on Facebook or Twitter); sell, rent, license, sublicense, lease, distribute, copy, duplicate, publish or reproduce material from the Website and any material or any part thereof for use by any third party; use any material in any way that is unlawful or in breach of any person’s legal rights under any applicable law, or in any way that is offensive, indecent, discriminatory or otherwise objectionable.

If you breach these Terms in any way then the licence granted to you will be automatically terminated upon such breach and we may take such action as we deem appropriate to deal with the breach, including suspending your access to the Website, prohibiting you from accessing the Website, blocking computers using your IP address from accessing the Website, contacting your internet service provider to request that they block your access to the Website and/or bringing court proceedings against you.

All material contained on the Website is and shall remain at all times the copyright of Money Advice Helpline.

You must retain, and must not delete or remove all copyright notices and other proprietary notices placed by us on any material.

No Warranties

The Website is provided “as is” without any representations or warranties, express or implied. We make no representations or warranties in relation to the Website or the information and material provided on the Website. We do not guarantee that the information provided on the Website will be correct, accurate or up to date. You should not rely on any information you find on the Website to make any decision to act or to refrain from taking action. The information provided is for information purposes only and you should seek professional advice from registered practitioners before making any decisions.

The content of the pages of the Website is for your general information and use only and it is subject to change without prior notice.

We do not warrant that the Website will be constantly available, or available at all; or that the information on the Website is complete, true, accurate or non-misleading. You acknowledge that information and material found or offered on the Website may contain inaccuracies or errors and we expressly exclude liability for any such inaccuracies or errors to the fullest extent permitted by law.

To the maximum extent permitted by applicable law we exclude all representations, warranties and conditions relating to the Website and the use of the Website (including, without limitation, any warranties implied by law of satisfactory quality, fitness for purpose and/or the use of reasonable care and skill).

Limitations and Exclusions of Liability

Nothing in these Terms will limit or exclude our liability for death or personal injury resulting from negligence, limit or exclude our liability for fraud or fraudulent misrepresentation or limit any of our liabilities in any way that is not permitted under applicable law.

By using the Website, you agree that the exclusions and limitations of liability set out in these Terms are reasonable. If you do not think they are reasonable, you must not use the Website.


If you breach these Terms, you will be held fully responsible for any loss suffered by us as result of such breach and will be held accountable for all losses caused or profits gained by you from breaching these Terms.

You agree to indemnify us and undertake to keep us indemnified against any losses, damages, costs, liabilities and expenses (including, without limitation, legal expenses) incurred or suffered by us arising out of any breach by you of any provision of these Terms.

Other websites

The Website may contain links to other websites that are not under the control of and are not maintained by us. We are not responsible for the content or reliability of the linked websites. We provide these links for your convenience only but do not endorse the material on those sites.


The failure by us to enforce at any time or for any period any one or more of the Terms shall not be a waiver of them or the right at any time subsequently to enforce all Terms.


If any provision of these Terms shall be found by any court to be invalid or unenforceable, such invalidity or unenforceability shall not affect the other provisions of these Terms which shall remain in full force and effect.

If any provision of these Terms is so found to be invalid or unenforceable but would be valid or enforceable if some parts of the provision were deleted, the provision in question shall apply with such modification(s) as may be necessary to make it valid and enforceable.


We may revise these Terms from time-to-time. Revised Terms will apply to the use of the Website from the date of the publication of the revised Terms on the Website. Please check this page regularly to ensure you are familiar with the current version.

Exclusion of Third-Party Rights

These Terms are for the benefit of you and us, and are not intended to benefit any third party or be enforceable by any third party. The exercise of our and your rights in relation to these Terms is not subject to the consent of any third party.

Entire Agreement

These Terms constitute the entire agreement between you and us in relation to your use of the Website, and supersede all previous agreements in respect of your use of the Website.

Jurisdiction and Governing Law

These Terms shall be governed by and construed in accordance with English law. Any dispute, claim or matter arising out of, or relating to, these Terms shall be subject to the exclusive jurisdiction of the English courts.