Website Terms and Conditions of Use
means any text, images, video, audio or other multimedia content, software or other information or material submitted to or on the Site;
means these terms and conditions of use as updated from time to time;
Intellectual property rights
means rights such as copyright, trade marks, domain names, design rights, database rights, patents and all other intellectual property rights of any kind whether or not they are registered or unregistered (anywhere in the world);
has the meaning given to it in the section entitled “Submitting information to the site”;
means the policy (http://moneytreemedia.co.uk/privacy-policy/), which governs how we process any personal data collected from you;
has the meaning given to it in clause 1.1;
We, us or our
means Money Tree Media Ltd Company registration number 09153411 the registered office of which is at:
3 Oswin Road
Money Tree Media Ltd is an introducer firm.
References to us in these Terms also includes any group companies which we may have from time to time.
You or your
means the person accessing or using the Site or its Content.
means a 3rd party entity who is appropriately regulated to provide financial advice in relation to your online enquiry.
Using the Site
Ownership, use and intellectual property rights
1 This Site and all intellectual property rights in it, including but not limited to any Content, are owned by us, our licensors or both (as applicable). We and our licensors reserve all of our and their rights in any intellectual property in connection with these Terms. This means, for example, that we and they remain owners of them and free to use them as we and they see fit.
2 Nothing in these Terms grants you any legal rights in the Site other than as necessary to enable you to lawfully access the Site as intended and authorized by us. You agree not to adjust to try to circumvent or delete any notices contained on the Site (including any intellectual property notices) and in particular in any digital rights or other security technology embedded or contained within the Site.
Submitting information to the Site
Accuracy of information and availability of the Site
Hyperlinks and third party sites
The Site may contain hyperlinks or references to third party websites other than the Site. Any such hyperlinks or references are provided for your convenience only. We have no control over third party websites and accept no legal responsibility for any content, material or information contained in them. The display of any hyperlink and reference to any third party website does not mean that we endorse that third party’s website, products or services. Your use of a third party site may be governed by the terms and conditions of that third party site.
Limitation on our liability
Except for any legal responsibility that we cannot exclude in law (such as for death or personal injury), we are not legally responsible for any losses or incorrect financial advice provided by the referred regulated 3rd party. This exclusion shall include, but not be limited to:
(a) losses that:
(b) business losses; and
(c) losses to non-consumers.
Events beyond our control
We shall have no liability to you for any breach of these Terms caused by any event or circumstance beyond our reasonable control including, but not limited to, strikes, lock-outs or other industrial disputes; breakdown of systems or network access; or flood, fire, explosion or accident.
Rights of third parties
No one other than a party to these Terms has any right to enforce any of these Terms.
Treating Customers Fairly
At Money Tree Media, we are committed to providing our customers with the highest standards of service throughout the customer journey. In so doing, we are committed to ensuring that the Financial Conduct Authority’s Principle of “treating customers fairly” is adhered to at all times.
We recognise that both our customers and ourselves have everything to gain if we are looking out for your best interests and treat you fairly in all aspects of our dealings with you.
Our commitment to you
We vet our associated companies to ensure they:
Provide you with clear information about the products and services they offer, including fees and charges.
Establish your individual needs, preferences and circumstances before allowing any application or enquiry for a particular debt solution is made via their services.
Advise you on sources of information that would help you understand your situation and potential impacts of their services.
Encourage you to ask if there’s something you don’t understand.
Give you access to a formal complaints procedure should you become unhappy with their service.
How you can help us
To help us give you the most appropriate advice, we will ask you to:
Let us know about your individual needs, circumstances and preferences.
Let us know if there is any aspect of our service, or of a product our partners have discussed or recommended, that you don’t understand.
Tell us if you think there are ways we can improve our service.
What are cookies?
Cookies are pieces of data created when you visit a website, and contain a unique, identification number. Some cookies are stored in the cookie directory of your hard drive, and do not expire at the end of your session. Cookies do not contain any personal information about you and cannot be used to identify an individual user.
Cookies have a lifetime. Many only last until you close your browser or for a short time. These are called ‘session cookies’. Some last far longer though, for example, to enable a website to recognise you when you return to them. These are called ‘persistent cookies’. Where possible, we’ll let you know how long these cookies last for.
Cookies set directly by a website owner (like us) are generally known as ‘first party cookies’. Many (if not most) modern websites also use bits of hidden technology provided by other parties. Online advertising is a particularly common example. These other parties may also set cookies when you use our website. If they do so, their cookies are generally known as ‘third party cookies’.
There are some other computer technologies which are technically different to cookies but are used to perform very similar jobs and function in a very similar way. For example, ‘locally stored objects'(or ‘flash cookies’) are used to power some online video content, and ‘web bugs'(or ‘web beacons’) are used for many of the same purposes as cookies. When we provide services to you through our website, we want to make them easy to use, useful and reliable. Cookies are used to improve services for you through, for example:
enabling a service to recognise your device so you don’t have to give the same information several times during one task;
First party cookies
These are cookies we set and that our website needs in order to function and if they are not accepted by you, parts of the site won’t be usable. Example would be for us to save a visitor filter selection from our homepage. These cookies may be used to enable us to identify a visitor’s current browsing session and allows our website to function as intended. These cookies can also let us know what web channel you used to find us, along with the keyword you used.
Third party cookies
We regularly review the cookies we use and which our suppliers use to keep them to the minimum we think we need. In doing so, we aim to respect your right to privacy in your online life, which is very important to us, but also ensure you have a good browsing experience and ensure we have enough of the right kind of information to improve our website and the services which we offer. During your visit to our website(s) you may notice some cookies that are not related to our website(s). This happens when you visit a page with content embedded from a third party or use some of the links to social networking websites (e.g. FaceBook). We love it when you share information through a social media network but when you do so, please be aware that, these websites may place cookies on your device. We do not control how a third party uses their cookies. You should check these third party websites’ privacy policies for more information about their cookies if you are concerned about this.
We use various software tools that allow us to study, and then improve, how customers interact with our website(s) – this is known as website analytics. Examples of analytical tools that we use are: Google Analytics, Adobe Analytics and User Replay.
Analytics cookies allow us to understand more about how many visitors we have to the website(s), how many times they visit us and how many times a user viewed specific webpages within our site. Although analytics cookies allow us to gather specific information about the pages that you visit and whether you have visited our site(s) multiple times, we cannot use them to find out details such as your name or address.
How you can manage cookies
All popular browsers (e.g. Chrome, Internet Explorer, Edge and Safari) allow you to amend your cookie settings so that cookies are no longer enabled across all websites that you visit. For further information about cookies and how to disable them please go to the Information Commissioner’s webpage on cookies; https://ico.org.uk/for-the-public/online/cookies/.
If you want any further information about our approach to cookies and similar technologies, our website in general or have any other privacy questions relating to us, we’d be happy to help you. Please write to us by post to Money Tree Media, 3 Oswin Road, Leicester, LE31HR
The Insolvency Service
OTHER ‘FREE ADVICE’ RESOURCES
Money Advice Service
Citizens Advice Bureau
Debt Advice Foundation
Debt Support Trust
It is our promise that Money Tree Media Ltd will act in a fair, lawful, and honest manner in everything we do, and so if you have a complaint about any aspect of our service, we’re keen to resolve it as quickly as possible. You can contact us is any of the following ways:
Complaints Department, Money Tree Media Ltd, 3 Oswin Road, Leicester, LE3 1HR.
By Email: email@example.com (Usually The Fastest Method)
We will acknowledge receipt of the complaint within 3 working days and we hope to provide a final response within 8 weeks. We will write to you again within 4 weeks if we are unable to provide a final response within that time period. In any event we will respond to your complaint in full within 8 weeks.
If you are not satisfied with our response, or if a complaint is not resolved after eight weeks, you may refer the complaint to –
Financial Ombudsman Service
Telephone: 0800 023 4567
Web site: www.financial-ombudsman.org.uk
You can report any of your concerns to the Information Commissioner’s Office (ICO)
Information Commissioner’s Office
Fax: 01625 524 510
European Online Dispute Resolution Platform in relation to your complaint you can also request a review from the European Online Resolution Platform: http://ec.europa.eu/consumers/odr
Subject Access Request
More information about Subject Access Request can be found here:
If you wish to send us your Subject Access Request, please email: firstname.lastname@example.org
We aim to respond to you within 8 weeks dependant on complexity of Your request.
Your Right to be Forgotten / Erasure Of Your Personal Information
Under the General Data Protection Regulation (GDPR), all individuals have the right to request the deletion or removal of personal data (the right to be forgotten) under the following circumstances:
If you wish to request your “right to be forgotten” please email: email@example.com
By continuing to use the Site, you explicitly agree that the Terms and Conditions within this website shall be construed and governed by the laws of England and Wales and you irrevocably agree to submit to the exclusive jurisdiction of the English courts.