Terms & Conditions.
Updated on: 17/09/2018
1.1 Hello and welcome to choosewisely.co.uk. Please read these Terms & Conditions before using Our Website, because by continuing to use Our Website You are agreeing to be bound by them.
1.2 To use Our Website You must be 18 years or older and You’ll need to be a UK resident.
1.3 choosewisely.co.uk is a free to use Website which compares the price and Consumer Rating of various personal finance Products. choosewisely.co.uk also provides Tools to enable You to account for Your household budget, to identify Products that match Your needs & circumstances, to give You an indication of Your eligibility for Products, and to give You an indication of whether or not a Provider will accept Your application for a Product should You choose to make one.
1.4 The aim of the choosewisely.co.uk Website is to aid You in making informed purchasing decisions before You take out a Product. We do not provide bank accounts, We do not issue credit cards or prepaid debit cards and We do not lend money. The price and any terms and conditions that apply will depend on individual Providers and they are entirely responsible for deciding whether or not to approve any application You make.
1.5 We do not issue advice of any kind and nothing on the Website should be considered a recommendation or endorsement of Providers or Products. The only thing We recommend is that You seek financial advice from a qualified professional, to verify the information that You find on Our Website and wish to rely upon.
1.6 We offer impartial and independent comparison. Some of the Providers whose Products feature on choosewisely.co.uk will pay Us if You take out one of their Products, some will pay Us if You make an application, some will pay Us if You visit their Website, and others don't pay Us at all. Regardless, We’ll never let the amount We earn or whether We earn any money or not affect the prominence of how a Product is displayed to You. Products are always ranked by price or Consumer Rating.
1.7 If You have any queries relating to these Terms & Conditions, or any other questions, contact the Choose Wisely team at [email protected]
1.8 From time to time, We may change or update these Terms & Conditions. If We do, the updated or amended Terms & Conditions will be posted to this page.
1.9 If any provision of these Terms & Conditions are held to be unlawful, invalid or unenforceable, that provision shall be deemed deleted, and the validity and enforceability of the remaining provisions shall not be affected.
1.11 No failure or delay by Us in exercising any right under these Terms & Conditions will operate as a waiver of that right nor will any single or partial exercise by Us of any right preclude any further exercise of any right.
1.12 These Terms & Conditions shall be governed and interpreted in all respects, in accordance with the laws of England and Wales.
2. About Us
2.1 choosewisely.co.uk and Choose Wisely are trading names of Choose Wisely Limited, a firm authorised and regulated by the Financial Conduct Authority (Firm Reference Number 730574).
2.2 Choose Wisely Limited is registered in the UK at Telephone House, 18 Christchurch Road, Bournemouth BH1 3NE (Registered Company Number 07580462).
2.3 Choose Wisely Limited is registered with the Information Commissioner’s Office (Registration Number Z3106681).
In these Terms & Conditions:
means a review and/or star rating submitted by a user of either choosewisely.co.uk, trustpilot.com or smartmoneypeople.com;
Credit Reference Agency
means a company which collects information relating to Your credit usage;
means any third party bank account, business loan, credit card, personal loan, or prepaid debit card displayed on Our Website;
means a financial services Provider supplying one or more Products;
means a price relating to a Product provided by a Provider for comparison with other Quotes, on the basis of the information You have provided;
means interactive features of choosewisely.co.uk including the Budget Planner, comparison tables, ClearChoice, the Eligibility Checker, the Loan Calculator, the Money for the Many email signup at the foot of each page, Our Product pages, the Simple Loan Search, Switch & Autosave and Our WiseGuides;
We, Us and Our
means choosewisely.co.uk or Choose Wisely or belonging to choosewisely.co.uk or Choose Wisely, both trading styles of Choose Wisely Limited;
means pages, Tools and content available at choosewisely.co.uk; and
means You or belonging to You, the user of Our Website.
4. Your obligations
4.1 choosewisely.co.uk may be accessed for personal use. The Website may also be used for business research purposes but only in the case of personnel working for a regulatory body, trade body or similar.
4.2 Please ensure that all information You enter into choosewisely.co.uk is complete and accurate. Entering inaccurate data may result in inaccurate quotes being shown and in extreme cases, Providers may consider inaccurate application data to be fraudulent. Please double-check Your information before submitting it.
5. Comparison table & Product page information
5.1 The information provided on Our Website 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.
5.2 Whilst We make every effort to vet the companies featured on Our Website, please do not rely on Our assessment. Given that the impact of the opinions that both consumers and Our own staff reviewers express on Our Website can vary widely, You should carry out Your own independent research into any Product You’re considering applying for, to verify the information You find here.
5.3 While We aim to provide You with the most up to date and accurate Product information as possible, We can’t promise that it is absolutely flawless and We won’t be held responsible for any damage or loss relating to the accuracy, completeness or timeliness of the information. We will not be held liable in respect of any losses You may suffer arising from reliance You may place upon the information displayed here either.
6.1 ClearChoice is the service that sits behind the “Get Accepted” buttons on choosewisely.co.uk. As well as saving You time by allowing You to review competing quotes from a number of Providers in one place, completing one ClearChoice application means less credit searches being recorded on Your credit file - a factor that can have a negative impact on Your chances of being accepted for credit in the future.
6.2 When You make an application using ClearChoice, Your application is transferred to a number of Providers whose acceptance criteria matches the requirements and circumstances You describe on Your application form. Providers either respond positively with a Quote or an indication that they cannot offer You a Product. Any quotes for Products offered to You are displayed in a comparison table. If You wish to accept one of their offers, click the “Apply now” button and You will be taken to the Provider’s Website.
6.3 The quotes produced by ClearChoice are indicative and do not constitute a guarantee that the Provider will issue You with a Product. The final decision on whether to issue You with a Product will be down to whichever Provider You choose and it is possible that any application You make could go on to be declined.
6.4 Quotes are conditional based on the information You provide during Your application being accurate, correct and verifiable. When You go on to a Provider’s Website to accept an offer, they will verify the information You provide using third party credit reference and fraud prevention agencies. Records of searches may be recorded on Your credit file. We will not be held liable or responsible for any losses or damages You may suffer arising from reliance You place on the quotes produced by ClearChoice.
7. Eligibility Checker
7.1 The Eligibility Checker is the service that sits behind the “Check Eligibility” buttons on choosewisely.co.uk. As well as saving You time by allowing You to review competing quotes from a number of Providers in one place, the Eligibility Checker also gives You an indication of how eligible You are for Products featured on the Website. The Tool enables You to shortlist Products that You’re eligible to apply for and to review quotes without actually having to apply for them each individually. Using the Eligibility Checker will also help You avoid having multiple credit searches recorded on Your credit file, which can have an adverse affect on Your credit rating.
7.2 The Eligibility Checker will show You a selection of Products along with a numerical representation of how eligible You are based on the Eligibility Checker’s assessment of the data You provide vs. the acceptance criteria of the Products featured on the comparison table You are using. A positive correlation will yield an eligibility score of 50% or above. A negative correlation will yield a score of 49% or below. An eligibility score above 50% does not guarantee that You will be accepted. The decision on whether or not You’ll be accepted will be down to whichever Provider You apply to and it is possible that any subsequent application You make may be declined.
7.3 Every reasonable effort is made to ensure that the information relating to the acceptance criteria of Providers and Products scrutinised by the Eligibility Checker is accurate and up to date. However, We won’t be held responsible for any damage or loss relating to the accuracy, completeness or timeliness of the information or the resulting numerical representation of Your eligibility for Products. We will not be held liable in respect of any losses You may suffer arising out of any reliance You place on the results produced by the Eligibility Checker.
8. Switch & Autosave
8.1 Switch & Autosave is an auto-switching service designed to ensure that You never pay more than you absolutely have to for a given credit, banking or utility Product.
8.2 When Switch & Autosave is enabled, You are authorising Us to assess Your Product from time to time and, where We deem appropriate, to submit an application for a new Product or Provider on Your behalf in order to assess what (if any) cheaper Products may be available to you, or what Products may be available to You at a similar price but on more preferential terms.
8.3 Quotes produced by Switch & Autosave are indicative and do not constitute a guarantee that a Provider will issue You with a Product. The final decision on whether to issue You with a Product will be down to whichever Provider You choose and it is possible that any application You make could go on to be declined.
8.4 Quotes are conditional based on the information You provide during Your initial application being accurate, correct and verifiable. When You go on to a Provider’s Website to accept an offer, they will verify the information You provide using third party credit reference and fraud prevention agencies. Records of searches may be recorded on Your credit file. We will not be held liable or responsible for any losses or damages You may suffer arising from reliance You place on the quotes produced by Switch & Autosave.
9. Simple Loan Search
9.1 Simple Loan Search as the name suggests, is a loan matching service designed to be simple and easy to use. Aimed at helping those who might be unfamiliar with the personal loans Product or who might be struggling to find the right personal loan, Simple Loan Search narrows down potential matches into a shortlist of potential matches for You to choose from, ordered by total amount repayable or by OptioScore - Our customer friendliness rating.
9.2 The quotes produced by Simple Loan Search are indicative and do not constitute a guarantee that the Provider will issue You with a Product. The final decision on whether to issue You with a Product will be down to whichever Provider You choose and it is possible that any application You make could go on to be declined.
9.3 Quotes are conditional based on the information You provide during Your application being accurate, correct and verifiable. When You go on to a Provider’s Website to accept an offer, they will verify the information You provide using third party credit reference and fraud prevention agencies. Records of searches may be recorded on Your credit file. We will not be held liable or responsible for any losses or damages You may suffer arising from reliance You place on the quotes produced by Simple Loan Search.
10. Reasonable Use
10.1 You are permitted to use choosewisely.co.uk on the condition that You will not do anything to affect the integrity or security of the Website or that may cause harm, damage or unreasonable inconvenience to any other user of the Website.
10.2 You are not permitted to gather, extract, download, reproduce or display any material from this Website, including but not limited to information relating to prices. You are strictly forbidden from using spiders, data mining, trawling, screen scraping or any other software or system used to extract data.
10.3 Any breaches of the above will result in action including denying You access to this Website, bringing legal proceedings against You and disclosures to the appropriate authorities and regulatory bodies.
11. Intellectual Property
11.1 The information, content, material and data displayed on choosewisely.co.uk 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. You may not use information, content, material and data taken from Our Website for any commercial purposes and You may not commercially exploit, publish, distribute, extract or reproduce without Our prior written consent.
11.2 You will retain ownership of any views, opinions, reviews, ratings, rantings, ravings, comments, content or material You submit, display, distribute, upload, post, share, publish, or otherwise make publicly available on or through Our Website. 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, print out and marvel at and transmit such content in any manner and for any purpose.
11.3 Certain names, words, titles, phrases, logos, icons, graphics or designs to the pages of this Website may constitute trademarks or unregistered trademarks of Choose Wisely Limited. The display of any of the above trade names or trademarks 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 company names and devices, logos, icons, graphics, or designs referred to on the pages of this Website are the trademarks of their respective owners and are exhibited only in such a manner as is intended to be for the benefit of such trademark owners and Choose Wisely Limited intends no infringement of such trademarks. 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.
13. Third party Websites
choosewisely.co.uk contains links to Websites operated by third parties. The operation and content of those Websites are determined by those third parties and will be governed by separate terms and conditions. We do not accept responsibility or liability for the content of any third party Website, as this is outside of Our control.
These Terms & Conditions are governed by and subject to the laws of England and Wales. Any disputes under or relating to these terms or the Website will be subject to the exclusive jurisdiction of the English courts.
We want You to be really happy with the service We provide on Our Website and if You’re not entirely happy, We’ll do everything We can to put it right. If You do wish to make a formal complaint, You’ll find instructions on how to do so on Our complaints page, that you can find here.
16. Indemnity, Disclaimer, Warranties & Liability
16.1 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.
16.2 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.
16.4 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.
17. Implementation of Policy
This Policy shall be deemed effective as of 24/05/2018. No part of this Policy shall have retroactive effect and shall thus apply only to matters occurring on or after this date.