Money Saving Tips

1.	Introduction
1.1	Welcome to Money Saving Tips from Mortgageandmore.co.uk. This site is owned and operated by Mortgage & More Ltd.
1.2	PLEASE READ THESE TERMS AND CONDITIONS OF USE (“Terms”) BEFORE USING OUR SITE. By using our site you are agreeing to be bound by these Terms. If you don't wish to be bound by what you read below, please do not use the Money Saving Tips section of the website
1.3	We may make changes to these Terms at any time. We will let you know what these changes are by posting them to this page, but it is your responsibility as a user to make sure that you are aware of them, by checking for any changes on a regular basis. Changes will become effective as soon as they are posted. If you continue to use our site after the posting of changes to these Terms, it means that you accept any such changes.
2.	What we do
2.1	This site is all about sharing information on Money Saving. The information that you read on this site is only a starting point for your further research into what suits your particular Money Saving requirements.
3.	What we don't do
3.1	The information we provide does not address your individual requirements. In particular, our information does not constitute any form of advice, recommendation, representation, endorsement or arrangement by us and is not intended to be relied upon by you in making (or refraining from making) any specific investment or other decisions. Given that the impact of any information expressed on our site can vary widely based on your particular circumstances, you should always carry out your own research into the product that is of interest to you.
4.	Privacy Policy
4.1	We treat all the information provided by you with the utmost care and security. Personal information provided by you may be held and maintained on computer records and will not be disclosed to other parties except businesses within The Mortgage Times Group Limited , our authorised agents or any organisation requiring access to such information for regulatory or legal purposes only, or for a purpose that enables the service provided to you to be completed.
4.2	We will hold and process data gathered from you or other agencies, in computer form or otherwise, as part of the provision of service to you. The information collected by us will be used for the purposes of processing and to communicate to you information about other products and services. We will also contact you by telephone or other means to review your needs and circumstances in the future. Once you are a customer of ours, this contact may be several years after your initial contact with us.
5.	Links
5.1	Our site does include details on, or links through to, information provided by other websites. We don't control the accuracy or completeness of that information. You take full responsibility for using that information and verifying it and for any decision to use, purchase or refrain from purchasing any of the services or products mentioned on a linked site. If you do purchase products or services from another website please read their contract carefully before deciding to buy. Remember, your contract for those products or services will be with them, not us.
5.2	When you use other websites, any personal information you give them will be dealt with in line with their privacy polices, not ours, so please read the privacy policies of each and every such website before using them
5.3	Some of the links included on our site are affiliated links. These are links which take you directly or indirectly to a financial product provider and may result in us receiving a fee or commission as a consequence of you clicking through to their site or purchasing a product from them. However these links are only set up to allow you make a more complete comparison. Our independence / impartiality is really important to us and the selection of links is not influenced by any fee/commission received by these financial providers.
5.4	You are welcome to link to our site if you comply with the terms set out in this section and all applicable laws. You must also comply with the principals for money saving in this section. Any site or service that links to our site:
5.4.1	may link only to our homepage unless we have given you our prior written consent;
5.4.2	mustn't in any way imply that we are endorsing it or its products or services;
5.4.3	mustn't misrepresent its relationship with us or present false information about us;
5.4.4	mustn't be a site or service that infringes any intellectual property or other right of any person or that otherwise does not comply with all relevant laws and regulations;
5.4.5	mustn't be a site or service that contains content that could be considered distasteful or offensive.
	If you breach these terms, then we have the right to require that your link is removed and to take whatever other action we think appropriate.
6.	Our Content
6.1	All of the content on our site is owned by us or our licensors and is protected by UK and international copyright laws.
6.2	The content on our site includes any information or other material found on mortgageandmore.co.uk, including articles, databases, graphics, software and all other features of our site. You are allowed to use our content for personal, non-commercial use only. You may make one copy of extracts from this site on any single computer for personal, individual use only, provided that all copyright and proprietary notices are kept intact. Apart from that, none of our content may be republished, posted, transmitted, stored, sold, distributed or modified without our prior written consent.
7.	Your Content
7.1	You own any copyright in the text that you post to our chat forums. However, when you post text, you expressly grant us a perpetual, unlimited free license to republish that text on our site and to redistribute/make available and/or sell that text in print or electronic form anywhere in the world as part of an edited compilation or otherwise.
8.	Disclaimer of warranties and liability
8.1	We provide our site in good faith but we can't and don't warrant the completeness, truth or accuracy of the information or other content or postings found on our site, or their usefulness for any particular purpose. You acknowledge and agree that you bear full responsibility for your own Money Saving research and decisions and that we shall not be liable for any action that you or others take or don't take based on your use of or reliance on information provided by us or other users of this Site.
8.2	We don't promise that your access to our site, or its content will be delivered uninterrupted, timely or error-free, or that the site will be free from viruses or other harmful properties. It is your responsibility to implement satisfactory safeguards and procedures to make sure any files you obtain through our site are free from such contaminations or other harmful properties.
8.3	We don't promise that your access to our site, or its content will be delivered uninterrupted, timely or error-free, or that the site will be free from viruses or other harmful properties. It is your responsibility to implement satisfactory safeguards and procedures to make sure any files you obtain through our site are free from such contaminations or other harmful properties.
9.	Indemnity
9.1	You agree to indemnify, defend and hold harmless us, our directors, officers, employees and licensors from and against any claim, liability, cost, damage or loss we may incur (including reasonable legal fees) as a result of any material that you post or transmit on our communication forums or via our comms systems, any actions you take which disrupt access to and/or the functioning of our site or any breach by you of your obligations under these Terms.
10.	General
10.1	If any of these provisions is deemed invalid, void or unenforceable that provision will be deemed severable from the rest and will not affect the validity and enforceability of any remaining provisions.
10.2	This site is directed to users in England and Wales only unless otherwise specified for specific items posted on this site.
10.3	These Terms shall be governed by the laws of England and any dispute between us will be resolved exclusively in the Courts of England.
11.	Changes
11.1	All changes to the terms and conditions will be noted here
12.	Contact Us
12.1	This site is owned and operated by: Mortgage & More Ltd Registered Office: 'Orbison', Unit 4 Bredgar Road, Gillingham, Kent ME8 6PL
If you have any questions about our site or these Terms and Conditions, please contact us by writing at the address above.

Call us free on 0800 970 4313

Terms & Conditions

These tips are based on my own experiences and do not constitute financial advice. All information should be considered with regard to your own specific circumstances. All tips are followed at your own risk and should be followed up with your own research

If you have a good experience using one of these tips or have a good tip for someone else

and I will tell everyone else.

1.

Introduction

1.1

Welcome to Money Saving Tips from Mortgageandmore.co.uk. This site is owned and operated by Mortgage & More Ltd.

1.2

PLEASE READ THESE TERMS AND CONDITIONS OF USE (“Terms”) BEFORE USING OUR SITE. By using our site you are agreeing to be bound by these Terms. If you don't wish to be bound by what you read below, please do not use the Money Saving Tips section of the website

1.3

2.

What we do

2.1

This site is all about sharing information on Money Saving. The information that you read on this site is only a starting point for your further research into what suits your particular Money Saving requirements.

3.

What we don't do

3.1

4.

Privacy Policy

4.1

4.2

5.

Links

5.1

5.2

When you use other websites, any personal information you give them will be dealt with in line with their privacy polices, not ours, so please read the privacy policies of each and every such website before using them

5.3

5.4

You are welcome to link to our site if you comply with the terms set out in this section and all applicable laws. You must also comply with the principals for money saving in this section. Any site or service that links to our site:

5.4.1

may link only to our homepage unless we have given you our prior written consent;

5.4.2

mustn't in any way imply that we are endorsing it or its products or services;

5.4.3

mustn't misrepresent its relationship with us or present false information about us;

5.4.4

mustn't be a site or service that infringes any intellectual property or other right of any person or that otherwise does not comply with all relevant laws and regulations;

5.4.5

mustn't be a site or service that contains content that could be considered distasteful or offensive.

If you breach these terms, then we have the right to require that your link is removed and to take whatever other action we think appropriate.

6.

Our Content

6.1

All of the content on our site is owned by us or our licensors and is protected by UK and international copyright laws.

6.2

7.

Your Content

7.1

8.

Disclaimer of warranties and liability

8.1

8.2

8.3

9.

Indemnity

9.1

10.

General

10.1

If any of these provisions is deemed invalid, void or unenforceable that provision will be deemed severable from the rest and will not affect the validity and enforceability of any remaining provisions.

10.2

This site is directed to users in England and Wales only unless otherwise specified for specific items posted on this site.

10.3

These Terms shall be governed by the laws of England and any dispute between us will be resolved exclusively in the Courts of England.

11.

Changes

11.1

All changes to the terms and conditions will be noted here

12.

Contact Us

12.1

This site is owned and operated by:

Mortgage & More Ltd

Registered Office: 'Orbison', Unit 4 Bredgar Road, Gillingham, Kent ME8 6PL

If you have any questions about our site or these Terms and Conditions, please contact us by writing at the address above.