Terms of Service

1. Acceptance of Terms

By accessing or using the website moneystackguide.com ("the Site"), you agree to be bound by these Terms of Service. If you do not agree to these terms, please do not use the Site.

These terms constitute a legally binding agreement between you and Money Stack Guide. We reserve the right to update these terms at any time. Continued use of the Site after changes constitutes acceptance of the revised terms.

2. Nature of Our Content

Money Stack Guide provides general information and educational content about personal finance topics including credit cards, loans, investing, mortgages and savings accounts.

3. No Financial Advice

Money Stack Guide is not authorised or regulated by the Financial Conduct Authority (FCA) to provide financial advice. Nothing on this website should be construed as a personal recommendation or financial advice tailored to your individual circumstances.

Product information, rates and comparisons are provided for general guidance only. Financial products, interest rates and terms change frequently. Always verify current information directly with the relevant financial provider before making any application or financial decision.

If you require personalised financial advice, please consult a qualified financial adviser who is authorised and regulated by the FCA. You can find regulated advisers at unbiased.co.uk or vouchedfor.co.uk.

4. Accuracy of Information

We make reasonable efforts to ensure the accuracy of information published on the Site. However, financial products, rates and regulations change frequently and we cannot guarantee that all information is current or accurate at the time you read it.

We accept no responsibility for errors or omissions in our content. If you identify inaccurate information, please contact us so we can investigate and correct it promptly.

5. Affiliate Relationships and Commercial Arrangements

Money Stack Guide may receive commission or other remuneration when you click on links to third-party products and services on our Site, or when you apply for or purchase products via our affiliate links. This does not affect the price you pay for any product.

We disclose affiliate relationships on relevant pages. Our editorial recommendations are made independently of commercial relationships — we do not accept payment to alter our editorial assessments or recommendations.

We may also display third-party advertisements on the Site. These are clearly identified as advertisements. We are not responsible for the content, accuracy or practices of advertisers or linked websites.

6. Intellectual Property

All content on the Site — including text, graphics, logos, images and software — is owned by or licensed to Money Stack Guide and is protected by UK and international copyright and intellectual property laws.

You may view, download and print content from the Site for your personal, non-commercial use only. You may not:

• Reproduce, distribute or republish our content without written permission
• Use our content for commercial purposes without a licence
• Modify, adapt or create derivative works from our content
• Remove any copyright or proprietary notices from our content
• Scrape or systematically extract content from the Site

Limited quotation with clear attribution and a link to the original page is permitted under fair use principles.

7. Third-Party Links

The Site contains links to third-party websites including financial product providers, comparison tools and reference sources. These links are provided for your convenience. We do not endorse or take responsibility for the content, privacy practices or accuracy of any third-party website.

Visiting third-party websites is at your own risk. The terms of service and privacy policies of those websites will apply.

8. Limitation of Liability

To the fullest extent permitted by law, Money Stack Guide and its contributors, employees and affiliates shall not be liable for:

• Any financial losses arising from your use of our content or from decisions made based on information found on the Site
• Any indirect, incidental, special or consequential damages
• Loss of data, revenue, profits or business opportunities
• Any damage or loss caused by your reliance on information that is inaccurate, incomplete or outdated

This limitation applies whether claims are based in contract, tort, negligence or any other legal theory, even if we have been advised of the possibility of such damages.

Nothing in these terms excludes or limits our liability for death or personal injury caused by negligence, fraud or any other liability that cannot be excluded under applicable law.

9. User Conduct

When using the Site you agree not to:

• Use the Site for any unlawful purpose or in a way that violates these terms
• Attempt to gain unauthorised access to any part of the Site or its systems
• Transmit any harmful, offensive or disruptive content
• Use automated means to access or scrape content from the Site without permission
• Interfere with the proper functioning of the Site

10. Newsletter and Email Communications

By subscribing to our newsletter you consent to receive periodic email communications from Money Stack Guide. You can unsubscribe at any time by clicking the unsubscribe link in any email or by contacting us directly. We will process any unsubscribe request within five business days.

11. Governing Law

These Terms of Service are governed by and construed in accordance with the laws of England and Wales. Any disputes arising from these terms or your use of the Site shall be subject to the exclusive jurisdiction of the courts of England and Wales.

12. Contact

If you have any questions about these Terms of Service, please contact us at legal@moneystackguide.com or via our contact page.