Terms and conditions
1. THE TERMS
1.1 About us
Hello. We’re My Money Hive, a trading name of Your Mortgage Decisions Ltd, an English limited company with registration number 05909047 . Our registered office is at Eventus, Sunderland Road, Market Deeping PE6 8FD. We own and operate this website and provide independent third-party quote comparison services (the “Services”). The terms “us” or “we” refer to My Money Hive and the term “you” or “your” refers to the user of this website.
1.2 The Terms
These terms and conditions set out the terms on which you can browse and use this website, including submitting your details through the website. We’ll call them the “Terms” from here on. By using this website, you’re deemed to agree to these Terms. If you don’t agree with our Terms, please stop using our website immediately.
1.3 What else you should read
We may update these Terms and our website sometimes to reflect changes to our Services, for legal or regulatory reasons or to prevent abuse or harm. By continuing to use our website and/or Services, you agree to any updated Terms. If you don’t agree to our updated Terms, you should stop using the website and/or Services immediately.
2.1 What we do
Our Services enable you to research and compare services provided by third parties. Our Services are free to use, however we receive a fee and/or commission when you use our Services to obtain quotes for these products and services.
2.2 How we do this
We collect information about you through our website (when you complete our forms to get quotes) and securely send it to one of our associated companies. They will either provide you with a quote (or quotes) directly or match your requirements to relevant companies or firms that would like to provide you with a quote, and will share your data with them to facilitate this. Companies or firms that you are matched with may contact you by email, phone or text message to discuss your requirements in more detail. When you submit your information for quotes, it is for third-party providers to provide quotes for their products and services. By using our website, you agree to us sharing your information for this purpose.
We only facilitate quotes and aren’t affiliated with, nor do we have any control or influence over, any of the third parties who provide the quotes. We don’t have any responsibility or liability for their actions. Unfortunately, that means that if you do have any problems with any service provider, you will need to take that up with them directly.
Please be aware that nothing on this Website is, or shall be deemed to constitute legal, financial, investment or other advice or a recommendation or endorsement by us in respect of any product or service referred to on this Website. Information on this Website is provided for general information purposes only, should not be relied upon by you and is provided so that you can select the product or service that you feel is most appropriate to meet your needs. You should always check the suitability, adequacy and appropriateness of the product or service that is of interest to you and it is your sole decision whether to obtain or refrain from obtaining any product or service. If you are in any doubt as to the suitability, adequacy or appropriateness of any product or service referred to on this Website, we suggest that you seek independent professional advice before you obtain any product or service via this Website.
3. USING THE WEBSITE
3.1 Prohibited use
You cannot use this website:
3.1.1 for commercial purposes (except if you’re a business seeking a quote for services for that business);
3.1.2 in any unlawful, fraudulent, inappropriate, discriminatory, damaging or commercial manner as determined by us;
3.1.3 to harm, threaten, abuse or harass another person or to falsely misrepresent yourself;
3.1.4 to tamper with, modify, reverse engineer or amend any part of this website;
3.1.5 to collect contact information of others for the purposes of sending unsolicited communications or materials;
3.1.6 to upload, distribute, modify or otherwise make publicly available any personal information of any other person, or any information, data or content that infringes on the intellectual property rights of a third-party; or
3.1.7 to post links to third-party websites, community groups or forums, except with our prior written consent.
4. YOUR RESPONSIBILITIES
4.1 No viruses
You must take all reasonable precautions (including using appropriate virus checking software) to make sure you don’t upload to our website any viruses, spyware, malicious software or anything else which might be harmful to us, our website or technology or any third-party website.
4.2 Correct information
You agree that all information you upload to the website is correct and not misleading. We don’t accept any responsibility or liability for any loss or damage you may suffer as a result of your violation of this clause.
4.3 Third-party details
If you submit information on behalf of another person, you are confirming that you have their permission to do so, that they understand how their details will be used, and that they also agree to be bound by these Terms.
5. USER CONTENT
5.1 User Content
You are solely responsible and liable for your conduct on this website and for any ratings, comments or other material you submit to this website (“User Content”).
5.2 Our rights
We reserve the right, but have no obligation or responsibility, to review or monitor any User Content. We may delete, edit or refuse to post (without notice) any User Content at our sole discretion for any reason.
5.3 Disclosures by law
You agree that we may disclose your identity (including your name, email address and contact details) if we’re required to do so by law, court order or other applicable regulatory or law enforcement agency. Please think very carefully before posting or uploading any personal information about yourself or your business on this website.
5.4 Expectations of User Content
You agree that your User Content:
5.4.1 is owned by you or you otherwise have the right to grant the licence set out in clause 6.3;
5.4.2 does not violate or infringe any third-party rights (such as intellectual property or confidentiality rights);
5.4.3 does not violate or infringe any applicable laws;
5.4.4 is true, complete, accurate and not misleading where it relates to facts, or is genuinely held where it relates to an opinion; and
5.4.5 is not harmful, fraudulent, threatening, defamatory, obscene, inappropriate, discriminatory or otherwise objectionable.
6. INTELLECTUAL PROPERTY
6.1 Our IP
We and our licensors own, and will continue to own, all intellectual property and copyright contained on this website. You may temporarily print, copy, download or store extracts of information, content, material or data displayed on this website for your own personal use. You cannot use it for any other purpose or alter it in any way.
6.2 Automated software
You must not use any automated computed software, process, program or other system on our website.
6.3 Use of our IP
You may use our and our licensors intellectual property contained on this website for other purposes if we have given you our prior written approval to do so. If we give you such approval, any copy must retain any copyright or other intellectual property notices contained in the original material.
6.4 User Content
You will retain ownership of any User Content. However, you grant us a perpetual, irrevocable, transferable, worldwide, royalty free and unlimited licence to use, modify and publish User Content in any manner for our own purposes.
7. NO WARRANTIES
7.1 No warranty
Except for anything we’ve expressly set out in these Terms, we don’t make any promises, warranties, guarantees or representations in relation to the data, material and information on the website. Although we use reasonable endeavours to ensure that the data, material and information on the website is accurate, it’s ultimately your responsibility to make sure you have enough information about quotations provided to you to feel comfortable accepting them.
7.2 Website availability
We aim to provide uninterrupted access to our website, but make no promises as to its uninterrupted availability, or that the website is free from viruses or anything else which may have a harmful effect on any technology. We reserve the right to suspend, restrict or terminate your access to this website at any time.
7.3 No advice
My Money Hive do not provide any type of advice, recommendation or endorsement in relation to any product or service on this website. We simply provide a platform that helps facilitate quotations between providers and customers. Any decisions you make in relation to whether to accept a quotation are your own and are made independently of us.
8. LIABILITY & INDEMNITY
We’re not liable for any losses or damages arising from an inability to access the website, from any use of the website, from reliance on the content displayed on the website or for any acts, omissions, errors or defaults of any third party in connection with a product or service. As we’ve already stated, the service providers are independent of us and we’re not responsible or liable for them in any way. We will also not be liable for any loss of profits, opportunity, business, or damage to goodwill, software, or data.
8.2 Mutual exclusions
We will not be liable to you and you will not be liable to us in connection with these Terms for any indirect or consequential loss of any kind, even if either of us have been advised of the possibility of such loss.
8.3 Your liability
You will be liable to us for any damage, loss, claim, demand, liability or expense (including reasonable legal fees) that we may suffer arising out of or in connection with your conduct on this website and/or your User Content.
8.4 Limitation of liability
We will not be liable to you for any amounts for any claims or disputes arising out of or in connection with these Terms.
8.5 What is not excluded
We do not exclude or limit liability for death or personal injury caused by our negligence or for our fraud, or any other liability which cannot be limited or excluded by law.
You agree to reimburse (or ‘indemnify’) us for any losses we suffer as a result of your use of the website or the Services in breach of these Terms.
9. THIRD PARTIES
9.1 Third-party terms
By submitting your details, you’re requesting a quote from a third party about their product or service. Should you make an offer for a product or service, that offer will be subject to the third party’s own terms and conditions. It’s your responsibility to make sure that you understand and agree to those terms and conditions before entering into a contract for that product or service. We’re not responsible or liable for any loss or damage you may suffer in connection with any third party’s terms and conditions.
9.2 Third-party websites
9.3 Third-party reviews
We’re not responsible for the accuracy or content of any third-party reviews or descriptions of the products or services offered, or for any losses or damages you may suffer in connection with them.
9.4 Other products and services
Please be aware that whilst this website provides information on a range of products or services, there may be other products or services available on the market which are not shown on this website, and may be more appropriate or suitable for you than those shown here.
10. OTHER IMPORTANT TERMS
10.1 Third party rights
These Terms are a contract between you and us. No other person will have any rights to enforce any of its terms.
Any provision of these Terms which is intended to remain in force on or after the expiry or termination of these Terms will remain in full force after expiry or termination.
10.3 Entire agreement
These Terms are the entire agreement between us. Anything outside of these Terms, such as discussions or other agreements, is superseded by these Terms.
Where we do not exercise any right we have under these Terms, this does not mean we have waived that right and may exercise it at a later date.
10.5 Relationship of the parties
These Terms do not constitute, establish or imply any partnership, joint venture, agency, employment or fiduciary relationship between you and us.
If any provision of these Terms is held to be illegal, void, invalid or unenforceable, the remainder of the Terms will remain valid and enforceable.
10.7 Governing law and jurisdiction
These Terms are governed by the laws of England and Wales and the courts of England and Wales have exclusive jurisdiction to hear disputes in relation to it.
Please use the contact form on this site to send us your feedback or enquiries. You should contact the third-party service provider if you have any feedback or complaints about their products or services.