General

Hello and welcome to Choose Wisely. Choose Wisely is a free to use comparison site that is owned and operated by Choose Wisely, a trading name of Choose Wisely Limited (Choose Wisely, ‘we’, ‘us’ or ‘our’). Please read these Terms & 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 want to be bound by what you read on this page, then you shouldn’t use Choose Wisely.

To use our site you must be 18 years or older. We only display products that are available in the UK so it’s likely that you’ll need to be UK resident to apply for any of them.

The whole reason we’ve built this site is to provide a simple way of comparing important things. So, sincere apologies by the language we use on this page. We appreciate that it may seem contrary to what we’re trying to achieve but unfortunately it’s necessary.

We reserve the right to make changes to these terms at any point. Don’t worry, any changes we make will be posted on this page, but it’s your responsibility as a user to make sure that you’re aware of them by checking for any changes on a regular basis.

What we do

Choose Wisely is first and foremost, a free to use comparison website. You can use our site in one of two ways;

  1. You can tell us all about you and your requirements and we’ll use our algorithms to match you with a suitable product and introduce you to a provider or series of providers that in our opinion, meet your requirements.

  2. You can tell us your requirements and we’ll display your results in a comparison table for you to make up your own mind.

We’re continuously updating our algorithms and our site with useful information. We’ve got a heap of product reviews available for you to peruse at your leisure.

What we don’t do

We do not provide bank accounts, we do not issue credit cards or pre-paid debit cards and we do not lend money. The interest rate and any terms & conditions which apply to each product will depend on each provider and they’re responsible for deciding whether or not to approve any application that you choose to make.

Where examples are provided, they are simply illustrations made on information acquired by our research team or provided by each provider. We do not warrant that the examples shown are the actual rates that you will receive and amounts as each provider will decide whether to grant you access to each product and on terms according to your circumstances.

Our comparison information

The information provided in our comparison tables does not constitute any form of advice, recommendation, representation, endorsement or arrangement by us and is not intended to be solely relied upon by you in making (or refraining from making) any specific choice when obtaining any product featured on the site or elsewhere.

The information displayed in our comparison tables is designed to be impartial. We don’t discriminate based on how much someone charges, or on who they lend to. Whilst we make every effort to vet the companies featured on our site based on their reputation and/or their financial records please do not rely on our assessment. Given that the impact of the information we and our users express on our site can vary widely depending on your particular circumstances, we advise that you always carry out your own research into any product you’re considering applying for as well.

Choose Wisely provides information and comparison services in relation to particular products and services. The website does not provide financial advice, advice concerning investments or investment decisions, or tax or legal advice. Nor do we recommend particular products or services. We think it’s always important to take professional financial advice and independently research and verify any information that you find on our website and wish to rely upon whether for the purpose of making an investment decision or otherwise.

While we aim to provide you with the most up to date and accurate information as possible, we can’t promise to be perfect and we won’t be responsible for any damage or loss related to the accuracy, completeness or timeliness of the information.

Checks

We will not use a credit scoring system such as searching your records with credit reference agencies. However it is very important to remember that most providers will carry out credit scoring.

To help our fraud prevention and data protection strategy you agree to us and our associate companies, credit reference agencies and selected third parties processing and using personal data (whether provided electronically, in writing or orally) you give us. You agree to us using the data to advise you of other products and services unless you notify us to the contrary. The information that you give us must be true and accurate. You warrant and undertake to comply with legal and regulatory disclosure requirements so that we can comply with our obligations. If you provide us with false or inaccurate information and/or we suspect fraud we may notify agencies which would have a detrimental impact on your credit records. In the event that you provide us with inaccurate or misleading information, we reserve the right to reclaim any losses incurred in performing the service to you.

If you authorise anyone else to give us instructions, any action we take on their instructions will be binding on you. If there are joint applicants, each has authority to deal with us for the other. Notice to one is notice to both. We can require joint instructions. If instructions from different joint applicants are inconsistent, we can choose to take no action until we receive satisfactory instructions. To withdraw any authority please notify us in writing - a quick email will do.

Communication

Unless you tell us otherwise, you agree to us using telephone, email, SMS, fax , post and/or carrier pigeon to contact you to discuss products or services that might be of interest to you. When we communicate with you in writing, we may use the last postal address you gave us. We may monitor any communication that we have with you for security, training, monitoring and evidential purposes (apart from those communications that are made by carrier pigeon. That would be really hard).

Intellectual Property Rights

The copyright in the information, content, material or data is displayed on this website belongs to us or our licensor. You may temporarily print, copy, download or store extracts of information, content, material or data displayed on this Website for your own personal use, subject to the following conditions:

It may not be used for any commercial purposes and may not be commercially exploited, published, distributed, extracted, re-utilised or reproduced without our prior written consent. You may not use any automated software, process, program or system, robot, web crawler, spider, data mining, trawling or other ‘screen scraping’ software, process, program or system. It may not be sold or transferred to any third party.

The copy must retain any copyright or other IP notices and can not be reproduced in any manner, without the prior written consent of the respective owner(s). Images displayed on our website are protected by copyright and may not be reproduced in any manner without prior written consent of the respective owner(s). No logos, trade marks or service marks displayed on this website may be printed or downloaded, except as part of the text of which they form part. You must not modify the paper or digital copies of such information, content, material or data. It may not be excerpted, utilised, used, reproduced, published, reformatted and/or displayed on any other website without our prior written consent.

The status of us and our licensor as the authors of such information, content, material or data must be acknowledged. All IP rights including, but not limited to, all copyright, design rights, patents, inventions, logos, business names, trading names, service marks and trade marks, internet domain names, moral rights, rights in databases, data, source codes, software, specifications, know how, processes and business methods (in all cases whether registered and including all rights to apply for registration) in and relating to this Website (including information, content, material or data displayed on it) is ours or our licensor property and all such rights are resolved.

You shall retain ownership of any views, opinions, reviews, ratings, comments, content or material you submit, display, distribute, upload, post, share, publish, or otherwise make publicly available on or through this website (‘user content’). You grant us an indefinite, irrevocable, transferable, worldwide, royalty free and unlimited licence to use, modify, keep, share, sell, save, copy, distribute, publish, display, excerpt, reproduce, utilise, extract, make available and transmit such user content in any manner and for any purpose.

Certain names, words, titles, phrases, logos, icons, graphics or designs to the pages of this website may constitute trade marks or unregistered trade marks of Choose Wisely Limited. The display of any of the above trade names or trade marks on pages of this website does not imply that any licence has been granted to any third party in respect of the same. All other product of company names and devices, logos, icons, graphics, or designs referred to on the pages of this website are the trade marks of their respective owners and are exhibited only in such a manner as is intended to be for the benefit of such trade mark owners and Choose Wisely Limited intends no infringement of such trade marks. The appearance or absence of products, services, companies, organisation, home pages or other websites on this website does not imply any endorsement or non-endorsement thereof by Choose Wisely Limited. All rights not expressly granted herein reserved by Choose Wisely Limited.

Indemnity

By using our website, you agree to indemnify, defend and hold harmless; us, our directors, officers, employees and licensor 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 communications systems, any actions you take that disrupt access and/or the functioning of our site or any breach by you of your obligations under these terms.

Disclaimer of Warranties and Liabilities

Choose Wisely shall not be liable for any direct or indirect, special, incidental or consequential damages, including the loss of profits, business revenue or goodwill arising from the use or access of or inability to use or access, interruption or availability of this website, its operation or transmission, computer viruses, loss of data or otherwise in respect of its use.

Any exclusions or limitations or restrictions of liability contained in these terms of use and access of this website shall be subject to the qualification that nothing contained in any such exclusion or limitations or restrictions of liability shall operate to exclude or restrict any duty or liability of Choose Wisely to any person which it has under the Financial Services and Marketing Act 2000 or its amendments.

The information, materials and functions contained in this website including text, graphics, links or other items are provided on an ‘as is’ basis excluding any warranty whatsoever, express or implied, including but not limited to warranties of satisfactory quality, fitness for a particular purpose or freedom from computer viruses. Choose Wisely excludes any liability for any errors in or omissions from information, materials and functions included in this website or any third party websites linked to or from this website.

Cancellation

Under the Financial Services (Distance Marketing) Regulations 2004, you have a right to cancel any application you make on our site within 14 days of receiving these terms. If you’d like to cancel all you need to do is let us know in writing. You can drop us an email at: [email protected] or write to us at Choose Wisely, Walton House, Richmond Hill, Bournemouth, BH2 6EX.

Complaints

We want you to be really happy with the service we provide on our Website, however if you do wish to make a complaint please visit our complaints page.

Governing Laws and Jurisdiction

These terms of use of this website are governed by and construed in accordance with the laws of England and Wales. Any disputes under or relating to these terms and/or the website will be subject to the exclusive jurisdiction of the English courts.

Company Contact and Registration Details

If you’ve got any questions about these terms about our website or if you’d like to chat about anything - then just drop us an email: [email protected]

Choose Wisely is a trading style of Choose Wisely Limited and is a free to use price comparison website. Choose Wisely Limited is authorised and regulated by the Financial Conduct Authority firm reference number 730574 and is registered with the Information Commissioner’s Office number Z3106681. Choose Wisely Limited is registered at Walton House, Richmond Hill, Bournemouth BH2 6EX, Company Number 07580462.