Terms of Use

Terms of Use of Website

The following comprise our terms for the use of this Website, whether as a guest or a registered user. Please read these terms carefully before using this Website.

These terms are an agreement ("Agreement") between you and Money Fitness Expert Limited (“MFE”) about your use of this Website and the information contained in or available through this Website and should be read in conjunction with our Privacy Policy. If you do not agree to these terms in full then please leave this Website and do not make use of our products or services. By remaining on this Website and/or making use of our products or services you are deemed to have read, sufficiently understood and accepted these terms in full and without reservation.

Our terms and our Privacy Policy are updated from time to time in order, for example, to reflect changes in our products, services and this Website. Please return to these terms from time to time and note any changes, as they are binding upon you. Protecting your privacy is very important to us: please review our Privacy Policy, which explains how we treat your personal information and protect your privacy.

1. Definitions

1.1 “www.moneyfitnessexpert.com”, “Us/us”, “Our/our” and “We/we” all refer to this Website, or the owner of it, which Website belongs to MFE (company number 14870835), a private company registered in England and Wales with its registered office address at c/o Money Fitness Accounting Ltd., Olympus House, Olympus Park, Quedgeley, GLOUCESTER GL2 4NF and whose main trading address is at the same. MFE is a registered trademark.

1.2 “You/you” and “Yours/yours” refers to you, the visitor/guest, customer or registered user, whether individual or legal entity.

1.3 “Website” means this website at www.moneyfitnessexpert.com.

1.4 “Agreement” means the terms by which you agree to use this Website. The Agreement is concluded at the date and time that you first use this Website.

2. Access to Website

2.1 You can access some parts of this Website without having to register any details with us. If and where applicable, access includes articles, blogs, guides, news and product information page within the Website. Access to our customer control panel is only available to registered Money Fitness Community (“MFC”) members.

2.2 It is for you to make the proper arrangements to access this Website. You are responsible for ensuring that all persons who access the Website through your Internet connection are aware of this Agreement and comply with it.

2.3 It is possible that content available on our site may not be suitable or accessible from countries beyond the United Kingdom. We may restrict the availability of our Website or our services or goods to any person or country at any time without prior notice. If you access our Website then you do so at your own risk.

3. Use of Website and products and services

3.1 We grant you non-exclusive, non-transferable, limited permission to access and display the web pages within this site as our guest, registered user, customer or potential customer provided that you comply with these Terms of Use, and all copyright, trademark and other proprietary notices remain intact. The use authorised under this Agreement is non-commercial in nature (e.g., you may not sell the content you access on or through this Website.) All other use of this Website is prohibited. Except for this limited permission, MFE does not grant you any express or implied rights or licenses under any patents, trademarks, copyrights, or other proprietary or intellectual property rights.

3.2 All right, title and interest in and to intellectual property including without limitation, copyright, in this Website and its content belongs to us and is protected by copyright laws around the world. This entails four immediate points. First, you have permission to print one copy and download extracts of any web page(s) from our Website for (a) your personal use and (b) to mention to and share with colleagues. Second, you do not have permission to use any illustrations, photographs, video or audio files separately from any accompanying text. Third, our status (and that of any identified contributors) as the authors of material must always be acknowledged. Fourth, you must not use the material on the Website in a manner contrary to the purposes of MFE.

3.3 Otherwise than in accordance with clauses 3.1 and 3.2, no part of this Website may be used without our prior permission.

3.4 If, in breach of these terms of use, you print off, copy or download any part of our Website, then your right to use our Website and its contents is automatically revoked. You must then immediately destroy any copies you have made of any part of our Website.

3.5 We do not guarantee that our Website will be free from ‘bugs’ or viruses or protected at all times against hacking. You are responsible for setting up your computer to access our Website and using appropriate firewall and virus protection software.

3.6 Our terms and conditions of supply will apply if you purchase services or goods from our Website.

4. Site uptime

4.1 We take all reasonable steps to ensure that this Website is available 24 hours every day, 365 days per year. However, websites sometimes encounter downtime due to server and other technical issues. As a result, we will not be liable if this Website is unavailable at any time. We do not guarantee that our Website, or any content on it, will be available uninterrupted. Access to our Website is permitted on a temporary basis. We may suspend, withdraw, discontinue or change all or any part of our site without notice. We will not be liable to you if for any reason our Website is unavailable at any time or for any period.

4.2 This Website may be temporarily unavailable due to issues such as system failure, maintenance or repair or for reasons beyond our control. Where possible we will try to give our visitors advance warning of maintenance issues, but we shall not be obliged to do so.

5. Visitor conduct

5.1 With the exception of personally identifiable information, the use of which is covered under our Privacy Policy, unless you inform us to the contrary any material you send or post to this Website shall be considered non-proprietary and non-confidential. Unless you advise us to the contrary, you agree that we will be entirely free to copy, reproduce, publish, upload, post, transmit, distribute, publicly display, perform, modify, create derivative works from and otherwise use such material for any and all purposes. That said, we will not release your name or otherwise publicise the fact that you submitted materials or other information to us unless: (a) we obtain your permission to use your name, (b) we first notify you that the materials or other information you submit to a particular part of this site will be published or otherwise used with your name on it or (c) we are required to do so by law. Personally-identifiable information that you submit to us for the purpose of receiving services or products will be handled in accordance with our Privacy Policy.

5.2 When using this Website you must not attempt unauthorised access to our Website, the servers on which our Website or database are stored or any servers, computer or database connected to our site. Nor shall you post or send to or from this Website any material:

5.2.1 for which you have not obtained all necessary consents;

5.2.2 that is unlawfully discriminatory, obscene, pornographic, defamatory, in breach of confidentiality or privacy, which encourages or constitutes conduct that would be deemed a criminal offence, give rise to a civil liability or otherwise is contrary to the law of England and Wales; or

5.2.3 which is harmful in nature, including, and without limitation, denial-of-service attacks, computer viruses, trojans, worms, logic bombs, corrupted data, or other potentially harmful software or data.

5.3 By breaching the provision under 5.2, you would commit a criminal offence under the Computer Misuse Act 1990. We reserve the right to report any such breach to the relevant law enforcement authorities and to co-operate with those authorities by disclosing your identity to them. In the event of such a breach, your right to use our site will cease immediately.

5.4 We will fully co-operate with any law enforcement authorities or court order requiring us to disclose the identity or other details of any person posting material to this Website in breach of section 5.2.

5.5 If a third party alleges that content posted by you on our site is in breach of their intellectual property rights or their right to privacy, we may disclose your identity to that third party.

5.6 We reserve the right to remove any posting you make on our Website for any reason and without notice, but particularly if your post does not comply with these Terms of Use.

6. Your account and password

6.1 If you choose, or you are provided with, a user log-in or password as part of our security procedures, you must keep such information confidential.

6.2 If in our reasonable opinion you have breached these Terms of Use, then we may disable any user log-in or password at any time.

6.3 If you suspect anyone else knows your user log-in or password, you must promptly notify us at [email protected]. You may also use this email address if you have problems logging in or with access.

7. Links to and from other websites

7.1 Any links to third party websites located on this Website are provided for your convenience only. We may have not reviewed each third party website and have no responsibility for such third party websites or their content. We do not necessarily endorse the third party websites or make representations about them or any material contained in them. If you choose to access a third party website link from this Website, then it will be at your own risk. We will not be liable for any loss or damage that may arise from your use of them. In addition, we are not a party to or responsible for any transactions you may enter into with third parties, even if you learn of such parties (or use a link to such parties) from this Website.

7.2 If you would like to link to this Website, you may only do so on the basis that you link to, but do not replicate, any page on this Website, and subject to the following conditions:

7.2.1 unless it has been specifically agreed by us in writing, you do not in any way imply that we are endorsing any services or products;

7.2.2 you do not misrepresent your relationship with us or present any false information about us;

7.2.3 you do not link from a website that is not owned by you;

7.2.4 you do not create frames around any page on this website or use other techniques that alter in any way the visual presentation or appearance of any content within this site;

7.2.5 your website does not contain content that is unlawful, infringes any intellectual property rights or other rights of any other person or does not comply in any way with the law of England and Wales;

7.2.6 you do not present false or misleading impressions about us or otherwise damage or risk damaging the goodwill associated with our name or trademarks; and

7.2.7 as a further condition to being permitted to link to this site, you agree that we may at any time, in our sole discretion, terminate permission to link to this website. In such event, you agree to immediately remove all links to this website and to cease, if permitted in the first place, any related use of our trademarks.

7.3 If you choose to link to our Website in breach of section 7.2 you shall fully indemnify us for any loss or damage suffered as a result of your actions.

8. Disclaimer and exclusion of liability - please read carefully

8.1 Subject to areas accessible only to registered MFC users, our Website as a whole is made available free of charge. We take reasonable steps to ensure that the information on this Website is correct at the time of first publishing. However, we do not guarantee the correctness or completeness of material on this Website or the absence of inaccuracies, omissions or typographical errors. We may make changes to the material on this Website at any time and without notice including corrections. The material on this Website may be out-of-date, or on rare occasions incorrect and while we make reasonable efforts to do so, we make no commitment to ensure that such material is correct or up-to-date. We are not liable to send you notice of any changes or corrections made.

8.2 The material at this Website is provided without giving or making any warranty, condition, undertaking, representation or assuming responsibility of any kind in respect thereof. To the maximum extent permitted by law, we provide access and use of this Website on the basis that we assume no responsibility and exclude all representations, warranties and conditions which but for these Terms may have effect in relation to this Website.

8.3 While we make reasonable efforts to ensure the quality and accuracy of information, material, products and services, all information and services are provided “as is” and “as available” without warranty or condition of any kind. We disclaim all warranties and conditions with regard to this information and services, including all implied warranties or conditions of merchantability, fitness for a particular purpose, title and non-infringement.

8.4 Any information on the Website may be an abbreviated and simplified summary for general use or general guidance only and is not a substitute for taking specific advice on your own situation from an appropriate expert. Before taking, or refraining from, any action on the basis of the content of our Website, we advise you to obtain appropriate advice from a relevant professional or specialist.

8.5 You use the Website at your own risk - neither we, nor our agents, employees or sub-contractors, shall be liable to you or any other party for any losses or damages whatsoever or howsoever arising in connection with the website (whether under these Terms and Conditions or other contract or as a result of any misrepresentation, misstatement or tortious act or omission, including negligence).

8.6 Neither we nor any other party (whether or not involved in producing, maintaining or delivering this Website) shall be liable or responsible for any kind of loss or damage that may result to you or a third party as a result of your or their use of our Website. This exclusion shall include (without limitation) servicing or repair costs and any other direct, indirect or consequential loss, whether in tort, contract or otherwise in connection with this Website.

8.7 We shall have no liability to any user or visitor for loss (whether in contract, tort including without limitation negligence, breach of statutory duty or otherwise, whether foreseeable or not) relating to:

8.7.1 use of, or inability to use, our Website; or

8.7.2 use of, or reliance on, the contents of our Website.

8.8 In addition if you are a business user, we will not be liable to you for:

8.8.1 lost profit or turnover;

8.8.2 interruption or disruption of your business;

8.8.3 your failure to make anticipated savings;

8.8.4 lost business opportunities or damage to your goodwill or reputation; or

8.8.5 indirect or direct/consequential losses.

8.9 In addition if you use the Website as a visitor/guest, customer or registered user, you agree to do so in accordance with clauses 3.1 – 3.2 and (b) we shall have no liability to you for anything mentioned in sections 8.1 – 8.8.

8.10 We shall have no liability to you for any losses caused by a distributed denial-of-service attacks, computer viruses, trojans, worms, logic bombs, corrupted data, or other potentially harmful software or data that may damage your computer system, software and data from your use of our Website or your downloading of any content on it, or on any website linked to it.

8.11 Nothing in these Terms shall exclude or limit liability for (i) death or personal injury caused by negligence (as defined by the Unfair Contract Terms Act 1977); (ii) fraud; (iii) misrepresentation as to a fundamental matter; or (iv) any liability which cannot be excluded or limited under English law.

9. Miscellaneous

9.1 Forward-looking and cautionary statements. Except for historical information and discussions, some statements set forth in this Website may constitute forward-looking statements within the meaning of relevant Securities law. These statements involve a number of risks, uncertainties, and other factors that could cause actual results to differ materially.

9.2 Third-parties. Nothing in this Agreement shall be deemed to confer any third-party rights or benefits.

9.3 Indemnification. You agree to protect, defend, indemnify and hold harmless MFE and its owners, officers, directors, employees, agents, and third party service providers from and against any and all claims, demands, costs, expenses, losses, liabilities and damages of every kind and nature (including, without limitation, reasonable lawyers’ fees) imposed upon or incurred by MFE directly or indirectly arising from (a) your use of and access to this Website or the services found at this Website; (b) your violation of any provision of this Agreement or the policies or agreements which are incorporated herein; and/or (c) your violation of any third-party right, including without limitation any intellectual property or other proprietary right. For the avoidance of doubt, the indemnification obligations under this section shall survive any termination or expiration of this Agreement or your use of this Website or the services found at this Website.

9.4 Severability. If any part of this Agreement is found by a competent judicial authority to be invalid or unenforceable under any applicable law, including but not limited to, the above disclaimers and liability limitations, then the invalid or unenforceable provision will be deemed to be replaced by a valid, enforceable provision that most closely matches the intent of the original provision, and the remainder of the Agreement will continue in effect.

9.5 Interpretation. No rule of construction shall apply to the Agreement that undermines, militates against or runs contrary to the original meaning of the Definitions set out hereinabove. The rule of interpretation that a contract shall be interpreted against the Party responsible for the drafting and preparation thereof (the contra proferentem rule) shall not apply.

9.6 Assignment. You must not assign or otherwise transfer the Agreement, or any right granted under it (including transfer by way of cession, assignment, delegation, sale, operation of law or otherwise), without our written consent. We may freely transfer our rights under the Agreement.

9.7 Waiver. Any failure by us to enforce or exercise any provision of the Agreement, or any related right, shall not constitute a waiver of such a provision or right. A waiver on any one occasion shall not be construed as a bar to, or waiver of, any provision, right or remedy on any future occasion.

9.8 Variation. No change, waiver or cancellation of this Agreement or any right or obligation arising from it shall be of any force and effect.

9.9 Termination. The obligations and liabilities of the parties (you and us) incurred prior to the termination date shall survive the termination of this agreement for all purposes. These Terms of Service are effective unless and until terminated by either you or us. You may terminate these Terms of Service at any time by notifying us that you no longer wish to use our Services, or when you cease using our Website. If in our sole judgment you fail, or we suspect that you have failed, to comply with any term or provision of these Terms of Service, we also may terminate this Agreement at any time without notice and you will remain liable for all amounts due up to and including the date of termination; and/or accordingly we may deny you access to our products and services (or any part thereof).

9.10 Changes to terms of use. You can review the most current version of the Terms of Use at any time at this page.  We reserve the right, at our sole discretion, to update, change or replace any part of these Terms of Use by posting updates and changes to our website. It is your responsibility to check our website periodically for changes. For the avoidance of doubt, your continued use of or access to our website following the posting of any changes to these Terms of Use constitutes acceptance of those changes.

9.11 Entire Agreement. Unless otherwise specified, this Agreement constitutes the entire Agreement between you and us with respect to the use of the Website and supersedes all prior communications and proposals, whether electronic, oral or written, between you and us with respect to the use of the Website.

9.12 Governing jurisdiction. These Terms shall be governed by and construed in accordance with the law of England and Wales. Any dispute(s) arising in connection with these Terms is (or are) subject to the exclusive jurisdiction of the courts of England and Wales.

Version: October 2026