About Us

• The content accessible at theloanhelper.co.uk and www.theloanhelper.co.uk (the Website) is owned and operated by The Money Helper (TMH), partners: D.J. Ferneyhough and M.A. Cooke.
• The Website is an information service offering access to information relating to financial products and services provided by third parties, and these terms and conditions ("Terms") apply to all and any use of the Website.
• By using the Website you undertake that you are over 18 years of age and you agree to be bound by these Terms.
• If you do not accept these Terms you must not use the Website.
• TMH may make alterations to these terms and conditions from time to time and these variations shall become effective immediately upon being accessible from here.
• All email communications sent by TMH and attachments thereto are intended only for the addressee and/or others authorised to receive them.
• TMH makes no warranties regarding nor does it assume any responsibility for the quality of service offered by any third party to whom any user may be referred.

• You may use the Website for your private, non-commercial, personal use only. Accordingly, you undertake not to:

  • use the Website for any commercial or business purpose;
  • use your access to the Website, or information gathered from it, for the sending of unsolicited bulk email.
• All copyright, design rights, database rights, patents, and any rights to inventions, know-how, trade and business names, trade secrets and trade marks (whether registered or unregistered) and any applications thereof ("Intellectual Property Rights") in the Website belong to and vest in TMH, or are licensed to TMH unless otherwise specified. All such rights of TMH are hereby asserted and reserved.

• TMH is a business engaged in the marketing and supply of information relating to the finance industry including but not limited to loans, life assurance policies, mortgages and general insurance.
• No financial information featured on the Website or accessed by you as a result of a link displayed on the Website is intended or considered to be financial advice offered by TMH.
• TMH is an Appointed Representative of BDS Mortgage Group Limited which is authorised and regulated by the Financial Services Authority for Mortgages and Non-Investment Insurance FSA Number 301646.
• TMH advises that when considering any financial product or service you read the terms of that product or service carefully and if you are in any doubt as to the meaning or effect of any aspect of such product or service, that you seek independent financial advice from an appropriately qualified and competent source.
• TMH cannot accept any responsibility for any issues arising as a result of your communication or contract with any third party to whom TMH has referred you. Many third party product or service providers will request that you are subject to their terms and conditions. Any such third party terms are entirely separate to these Terms. Before you enter into any agreement with a third party we recommend that you read their terms very carefully and seek independent advice from an appropriately qualified and competent source where necessary.
• TMH may receive commission or fees as a result of your use of the services of third party providers. TMH will not charge you for the services that it offers. These commissions or fees do not indicate an agency relationship between TMH and any third party financial product or service providers nor any involvement in any contract that you form with that third party provider.
• To the extent permitted by law TMH exclude liability for any inaccuracies present on the Website.

• TMH provides and maintains the Website for personal information purposes only and on an "as is" basis. TMH reserves the right to cease such provision and/or maintenance at any time without notice or recourse.
• TMH excludes to the maximum extent permitted by law all liability for any loss or damage of any kind howsoever arising, including without limitation any direct, indirect, punitive or consequential loss whether or not such arises out of any problem you notify to TMH and TMH shall have no liability to pay any money by way of compensation, including without limitation all liability in relation to:

  • any incorrect or inaccurate information on the Website and all interruptions to or delays in updating the Website;
  • the infringement by any person of any Intellectual Property Rights of any third party caused by their use of the Website;
  • any amount or kind of loss or damage due to viruses or other malicious software that may infect a user's computer equipment, software, data or other property caused by persons accessing, using or downloading the Website, or from transmissions via emails or attachments received from TMH or any third parties connected to TMH;
  • the availability, quality, content or nature of the other sites on the internet that are owned and operated by third parties ("External Sites") to which the Website link or to whom the user is referred by any other means and web site located on or through any External Site nor for any transactions involving External Sites (including as to 'cookies', personal data, confidential information). You should contact the site administrator or webmaster for those External Sites if you have any concerns regarding such links, web site or transactions;
  • all representations, warranties, conditions and other terms which but for this notice would have effect.
• These terms above shall not limit any rights you might have as a consumer that may not be excluded under applicable law nor shall it exclude or limit TMH's liability for death or personal injury resulting from its negligence nor any fraudulent representation.
• It is agreed, acknowledged and understood that:

  • The Website and all the services contained within are provided for information only and are not intended to replace appropriate financial advice where required;
  • Financial advice and the financial markets are constantly evolving and TMH cannot guarantee that all of the information is completely accurate.

• Except as provided above there are no other warranties, conditions or other terms, express or implied, statutory or otherwise, and all such terms are hereby excluded to the maximum extent permitted by law (but subject to your statutory and common law consumer rights).
• In the event that TMH fails to enforce any provision of this agreement such failure shall not be construed as a waiver of any provision or right.
• In the event that any part of these terms and conditions is held to be unenforceable, such part will at TMH's option be construed as far as possible to reflect the parties' intentions and the remainder of the provisions will remain in full force and effect.
• The Terms are subject to the laws of England which shall exclusively govern the interpretation, application and effect of all the above permissions, exclusions, licences and conditions of use and shall be construed in accordance with the laws of England and the parties submit to the exclusive jurisdiction of the English courts.
• It is hereby asserted that the Website is intended for and directed at the UK and no representation or warranty is made as to whether the Website complies with the regulatory regime and local laws of any other countries.