Terms & conditions

Terms and conditions

These Terms and Conditions govern your use of the Money Advice Trust website, www.moneyadvicetrust.org the Information Hub website, www.infohub.moneyadvicetrust.org and the Common Financial Statement website, www.cfs.moneyadvicetrust.org (the “Charity Site”) which are run by Money Advice Trust (the “Charity”, “we” or “us”). Please read them carefully as they affect your rights and liabilities under the law. If you do not agree to these Terms and Conditions, please do not register for any part of or use the Charity Site. If you have any questions on the Terms and Conditions, please contact contactus@moneyadvicetrust.org

1 Use of the Charity Site

1.1 The Charity Site is provided to you solely for general information purposes only and is subject to these Terms and Conditions. By using the Charity Site you agree to be bound by these Terms and Conditions. References to these Terms and Conditions include the Privacy Policy.

1.2 To use the Charity Site you must be over eighteen years of age.

2 Amendments

2.1 We may update these Terms and Conditions from time to time for legal or regulatory reasons or to allow the proper operation of the Charity Site. Any changes will be notified via a suitable announcement on the Charity Site. The changes will apply to the use of the Charity Site after we have given notice. If you do not wish to accept the new Terms and Conditions you should not continue to use the Charity Site. If you continue to use the Charity Site after the date on which the change comes into effect, your use of the Charity Site indicates your agreement to be bound by the new Terms and Conditions.

3 Licence – Common Financial Statement

3.1 In order to access the Common Financial Statement area of the Charity Site you must apply for a licence. Only organisations which meet our eligibility criteria and agree to the terms of the licence agreement may hold a licence.

3.2 The registration protected areas of the Charity Site are for the use of licence holders only. The Charity may terminate any licence in accordance with the termination provisions within the licence agreement.

3.3 Details provided on application or at any other time must be correct and complete and we must be informed immediately if there are any changes in that information.

4 Intellectual property

4.1 The content of the Charity Site is protected by copyright, trade marks, database right and other intellectual property rights.

4.2 Any redistribution or reproduction of part or all of the contents in any form is prohibited except by express agreement with the Charity.

4.3 For parts of the Charity Site which do not require a licence you may retrieve and display the content on a computer screen, store such content in electronic form on a storage device or print copies of such content for your own use, provided you keep intact all and any copyright and proprietary notices. You may not otherwise reproduce, modify, copy or distribute or use for commercial purposes any of the materials or content on the Charity Site without authorisation from the Charity.

5 Disclaimer

5.1 It is solely your responsibility to evaluate the accuracy, completeness and usefulness of all opinions, advice and other information provided through the Charity Site.

5.2 The Charity Site includes links to other web sites or material produced by third parties which are beyond the Charity’s control. The Charity is not responsible for content on any site outside the Charity Site or any content provided by third parties.

5.3 We are not responsible for your use of the Charity Site and whilst we try to ensure that material included on the Charity Site is correct, up to date, reputable and of high quality, we do not make any warranties or guarantees of any kind about the completeness, accuracy, reliability, suitability, or availability with respect to the Charity Site or the information, services or related graphics, or that the information is correct or appropriate to your particular circumstances or the circumstances of those people who you advise. Any reliance you place on such information is therefore strictly at your own risk.

5.4 In no event will we be liable for any loss or damage including without limitation indirect or consequential loss or damage, or any loss or damage whatsoever arising out of or in connection with the use of this Charity Site and to the extent possible in law we exclude all liability in this regard.

6 Availability of the Charity Site

6.1 Although we aim to offer you the best service possible, we make no promise that the information on the Charity Site will meet your requirements or help you to reduce your debts. We cannot guarantee that the services will be fault-free or available at all times. If a fault occurs with the Charity Site you should report it to contactus@moneyadvicetrust.org and we will attempt to correct the fault as soon as we reasonably can.

6.2 Your access to the Charity Site may be occasionally restricted to allow for repairs, maintenance or the introduction of new facilities or services. We will attempt to restore the service as soon as we reasonably can.

7 Advertising and Sponsorship

7.1 Parts of the Charity Site may contain advertising and sponsorship. Advertisers and sponsors are responsible for ensuring that material submitted for inclusion on the Charity Site complies with relevant laws and codes. We will not be responsible to you for any error or inaccuracy in advertising and sponsorship material.

8 Applicable Law

8.1 The Charity Site is intended for use within the United Kingdom. These Terms and Conditions will be subject to the laws of England and Wales. We will try to resolve any disagreements quickly and efficiently. If you are not happy with the way we deal with any disagreement and you want to take court proceedings, you must do so within England and Wales.

9 International Use

9.1 We make no promise that materials on the Charity Site are appropriate or available for use in locations outside the United Kingdom, and accessing the Charity Site from territories where its contents are illegal or unlawful is prohibited. If you choose to access the Charity Site from locations outside the United Kingdom, you do so on your own initiative and are responsible for compliance with local laws.

10 Miscellaneous

10.1 If you breach these Terms and Conditions and the Charity chooses to ignore this, the Charity will still be entitled to use its rights and remedies at a later date or in any other situation where you breach the Terms and Conditions.

10.2 The Charity shall not be responsible for any breach of these Terms and Conditions caused by circumstances beyond its reasonable control.

10.3 The Charity Site is owned and operated by Money Advice Trust, 21 Garlick Hill, London EC4V 2AU.

10.4 If you have any queries please contact contactus@moneyadvicetrust.org.

Money Advice Trust is a company limited by guarantee registered in England and Wales (company number 4741583) and a registered charity (charity number 1099506).

Copyright notice

This website and its content is copyright of Money Advice Trust - Money Advice Trust 2010. All rights reserved. Any redistribution or reproduction of part or all of the contents in any form is prohibited other than that outlined within the Common Financial Statement licence agreement terms and conditions.

Privacy policy

1 Introduction

1.1 Money Advice Trust (“we” or “us”) take the privacy of your information very seriously. This policy explains how and for what purposes we use the information collected about you via this site (referred to below as the “Site”). Please read this privacy policy carefully. By using the Site and any services we offer via the Site, you are agreeing to be bound by this policy in respect of the information collected about you via this Site.

1.2 If you have any queries about the policy, please get in touch with us at contactus@moneyadvicetrust.org and we will do our best to answer your questions.

2 Personal information collected

2.1 We do not generally collect personal information from you but if you enter into correspondence with us or report a problem to us, we may be required to keep such personal information as you provide to us.

2.2 If you are a licence holder for the Common Financial Statement (CFS) we will collect the following personal information from you:

(a) Name

(b) Job title and organisation

(d) Telephone number

(e) Address

Although it is not compulsory to give us this information, if you do not then you may not be eligible to hold a licence.

3 Use of this information

3.1 We will use information collected in accordance with clause 2.1 to:

(a) Carry out marketing analysis and make general improvements to our Site;

(b) Analyse how users are making use of the Site; and

3.2 We will use information collected in accordance with clause 2.2 in order to:

a) analyse your eligibility to hold a licence for the CFS;

b) analyse how users are making use of the Site;

c) notify you of certain CFS e-bulletins and e-announcements (subject to your right to unsubscribe or opt-out).

d) to provide you with information, services or products you have requested and for administration purposes.

4 Sharing this information

4.1 We may transfer your personal information to a third party but we will take steps with the aim of ensuring that your privacy rights continue to be protected.

4.2 We reserve the right to publish the names of organisations which hold a Common Financial Statement Licence.

4.3 We may also collate anonymous data which is shared with our partner agencies, funders and the government. This is to enable us to demonstrate demand and use of the Site.

4.4 Other than as set out above, we will not disclose any of your personal information without your permission unless we are required by law to do so (for example, if required to do so by a court order or for the purposes of prevention of fraud or other crime).

5 Information automatically collected from your computer

Log files/IP addresses:

5.1 When you visit the Site our web server automatically records your IP address. This IP address is not linked to any of your personal information. We use IP addresses to help us administer the Site, to collect demographic information and to find out such things as how many people are visiting particular pages on our Site.

5.2 We may also gather other non-personal information (from which we cannot identify you) such as the type of your internet browser which we use to provide you with a more effective service.

5.3 When you visit the Site we may store some information (commonly known as a “cookie”) on your computer. Cookies are pieces of information that a website transfers to your hard drive to store and sometimes track information about you. Cookies are specific to the server that created them and cannot be accessed by other servers, which means that they cannot be used to track your movements around the web. A cookie helps you get the best out of the Site and helps us to provide you with a more customised service.

5.4 The site uses cookies to measure Site usage and to improve and update our content.

5.5 You can block or erase cookies from your computer if you want to (your browser’s help screen or manual should tell you how to do this), but certain parts of the Site are reliant on the use of cookies to operate correctly and may not work correctly if you set your browser not to accept cookies.

6 Other Sites

6.1 We cannot be responsible for the privacy policies and practices of other sites even if you access them using links from our Site and recommend that you check the policy of each site you visit and contact its owner or operator if you have any concerns or questions.

6.2 In addition, if you linked to this Site from a third party site, we cannot be responsible for the privacy policies and practices of the owners or operators of that third party site and recommend that you check the policy of that third party site and contact its owner or operator if you have any concerns or questions.

7 Transferring your information outside of Europe

7.1 As part of the services offered to you through the Site, the information you provide to us may be transferred to countries outside of the European Union (“EU”). By way of example, this may happen if any of our servers are from time to time located in a country outside of the EU or one of our service providers is located in a country outside of the EU. We may also share information between group companies, which may be located in countries worldwide. These countries may not have similar data protection laws to the UK. If we transfer your information outside of the EU in this way, we will take steps with the aim of ensuring that your privacy rights continue to be protected as outlined in this privacy policy.

7.2 If you use the Site while you are outside the EU, your information may be transferred outside the EU in order to provide you with those services.

8 Changes to our Privacy Policy

8.1 Any changes we make to this policy in the future will be posted on this page.

Disclaimer

The information contained in this website is for general information purposes only. The information is provided by Money Advice Trust and whilst we endeavour to keep the information up-to-date and correct, we make no representations or warranties of any kind, express or implied, about the completeness, accuracy, reliability, suitability or availability with respect to the website or the information, products, services, or related graphics contained on the website for any purpose. Any reliance you place on such information is therefore strictly at your own risk.

In no event will we be liable for any loss or damage including without limitation, indirect or consequential loss or damage, or any loss or damage whatsoever arising from loss of data or profits arising out of or in connection with the use of this website.

Through this website you are able to link to other websites which are not under the control of the Money Advice Trust. We have no control over the nature, content and availability of those sites. The inclusion of any links does not necessarily imply a recommendation or endorse the views expressed within them.

Every effort is made to keep the website up and running smoothly. However, Money Advice Trust takes no responsibility for and will not be liable for the website being temporarily unavailable due to technical issues beyond our control.

Money Advice Trust Registered Charity Number 1099506. A company by guarantee. Registered in England and Wales Number 4741583