These Terms of Use govern your access to and use of WiTMoney.co.uk (the “Website”).
Please read these Terms carefully before using WiTMoney. By using the Website, you agree to these Terms.
1. About WiTMoney
WiTMoney is part of WiT Finance Group.
In these Terms, “WiTMoney”, “we”, “us” and “our” refer to WiTMoney.
You can contact us at:
Email: contact@witfinancegroup.com
2. What WiTMoney does
WiTMoney is a financial information and comparison website designed to help UK consumers research and compare financial products and services.
WiTMoney provides information about products that may include:
- personal loans;
- credit cards;
- mortgages;
- savings products;
- bank accounts; and
- other financial products and services.
The products and categories available through the Website may change from time to time.
WiTMoney provides information and comparison tools only.
WiTMoney is not a lender, credit broker or financial adviser.
WiTMoney is not authorised by the Financial Conduct Authority (FCA) and is not an appointed representative.
WiTMoney does not carry out regulated financial services activities.
3. No financial advice
Information provided through WiTMoney is for general information and comparison purposes only.
Nothing on the Website constitutes:
- financial advice;
- investment advice;
- credit advice;
- legal advice;
- tax advice; or
- a personal recommendation that a particular financial product is suitable for you.
Any labels, rankings, filters, ratings, comparison results, editorial comments or descriptions such as “best for” are intended to help users understand and compare products. They should not be treated as personalised recommendations.
You are responsible for deciding whether a product is appropriate for your individual circumstances.
If you are unsure about a financial decision, you should consider obtaining advice from an appropriately qualified and, where relevant, FCA-authorised professional.
4. Financial products displayed on WiTMoney
Financial products displayed on WiTMoney are provided by third-party banks, lenders, building societies and other financial-services providers.
WiTMoney does not provide those products.
We aim to make product information useful, accurate and understandable. However, financial products can change frequently.
Providers may change information including:
- interest rates;
- representative APRs;
- fees;
- charges;
- credit limits;
- borrowing amounts;
- repayment periods;
- promotional periods;
- rewards;
- cashback;
- eligibility requirements;
- availability; and
- other product terms.
These changes may occur without prior notice to WiTMoney.
You should always check the provider's website and current product documentation before making a financial decision or proceeding with a product.
5. Representative APRs, rates and examples
Where WiTMoney displays a representative APR, interest rate, representative example or other financial figure, it is based on information available to us from the relevant provider or other sources we consider appropriate at the time of review.
A representative APR does not necessarily represent the rate that you personally would receive.
Your actual rate, credit limit, borrowing amount or other terms may depend on factors determined by the relevant provider.
Where a rate applies only to a particular borrowing amount, term or other condition, we aim to make that qualification clear.
Always confirm the latest rates and terms directly with the provider before proceeding.
6. Product comparisons
WiTMoney may allow you to compare financial products using features such as:
- rates;
- APRs;
- fees;
- borrowing limits;
- promotional offers;
- product features;
- rewards;
- eligibility information; and
- other criteria.
WiTMoney does not guarantee that its comparisons include every financial product or provider available in the UK.
Products displayed on the Website therefore represent a selection of the market and should not be regarded as a complete representation of every option available to you.
The order in which products appear may be influenced by factors including the comparison criteria selected, product characteristics, editorial methodology and, where clearly disclosed, commercial relationships.
7. Eligibility information
Eligibility information displayed on WiTMoney is provided for general guidance.
WiTMoney does not determine whether you are eligible for a financial product and cannot guarantee that a provider will accept you.
The relevant provider determines its own eligibility requirements and makes any decision about whether to offer you a product.
Being shown a product on WiTMoney does not mean that:
- you are eligible for it;
- you will be approved;
- you will receive the representative APR or advertised rate;
- you will receive a particular credit limit or borrowing amount; or
- you will receive the promotional terms displayed.
Always review the provider's eligibility requirements before proceeding.
8. Credit searches and lending decisions
WiTMoney does not conduct hard credit searches.
WiTMoney does not make lending decisions, approve applications, determine credit limits or decide what interest rate a provider will offer you.
Unless expressly stated in connection with a particular Website feature, WiTMoney does not access your credit report or carry out a creditworthiness assessment.
If you leave WiTMoney and interact with a third-party provider, that provider may perform its own:
- eligibility checks;
- soft or hard credit searches;
- affordability assessments;
- identity checks;
- fraud-prevention checks; and
- creditworthiness assessments.
You should check the provider's terms and privacy information before supplying personal information or proceeding with an application.
9. Links to third-party providers
WiTMoney contains links to websites operated by third parties.
When you select a link to a provider, you may leave WiTMoney and be taken to that provider's website.
WiTMoney does not control third-party websites.
Your use of a third-party website and any product you subsequently enquire about or obtain will be governed by that provider's own:
- terms and conditions;
- privacy policy;
- eligibility requirements;
- product documentation; and
- application processes.
You should read this information carefully before proceeding.
The inclusion of a provider or link on WiTMoney does not mean that WiTMoney guarantees, endorses or warrants that the product is appropriate for your individual circumstances.
10. Applications and agreements
WiTMoney does not itself accept, approve or decline applications for financial products.
Where you choose to proceed to a provider, any subsequent application is made with the relevant third party.
Any financial agreement you enter into is between you and the relevant provider.
WiTMoney is not a party to that agreement.
Questions, complaints or disputes concerning an application, lending decision, account or financial product should normally be directed to the provider responsible for that product.
11. How WiTMoney may make money
WiTMoney and/or WiT Finance Group may have commercial relationships with some of the providers or partners featured on the Website.
We may receive a commission, referral fee or other commercial benefit in connection with certain links or interactions.
Where required, commercial relationships will be disclosed appropriately.
Our goal is to present financial information clearly and help users compare products. A commercial relationship does not mean that a product is suitable for every user.
12. Accuracy of information
We take reasonable care when researching, reviewing and presenting information on WiTMoney.
However, because financial products and provider terms can change, we cannot guarantee that every piece of information will always be complete, current or free from error.
Information displayed on WiTMoney should therefore be used as a starting point for your own research.
Before making a decision, you should verify important information directly with the relevant provider, particularly:
- APRs and interest rates;
- fees and charges;
- promotional periods;
- eligibility criteria;
- borrowing limits;
- repayment terms;
- rewards and benefits; and
- product availability.
If you identify information that appears incorrect or out of date, please contact us at:
13. Your responsibilities
When using WiTMoney, you agree to use the Website lawfully and responsibly.
You must not:
- use the Website for fraudulent or unlawful purposes;
- interfere with the operation or security of the Website;
- attempt to gain unauthorised access to the Website, servers or related systems;
- introduce viruses, malware or other harmful technology;
- deliberately provide false or misleading information;
- impersonate another person;
- attempt to circumvent Website security measures;
- systematically scrape or extract Website content or data without our permission; or
- reproduce or commercially exploit substantial parts of the Website without permission.
14. Intellectual property
Unless otherwise stated, the content, design, branding, databases, software and original materials made available through WiTMoney are owned by or licensed to WiTMoney or WiT Finance Group.
Names, logos and trademarks belonging to banks, lenders and other third parties remain the property of their respective owners.
Their appearance on WiTMoney does not imply ownership by WiTMoney.
You may access and use the Website for your own personal, non-commercial purposes.
You may not reproduce, redistribute, sell, commercially exploit or create derivative works from substantial parts of the Website without our prior permission, except where permitted by law.
15. Website availability
We aim to keep WiTMoney available and functioning correctly.
However, we cannot guarantee that the Website will always be:
- available;
- uninterrupted;
- secure;
- error-free; or
- compatible with every device or browser.
We may modify, suspend, restrict or withdraw parts of the Website where reasonably necessary, including for maintenance, security, legal or development purposes.
16. Our liability
Nothing in these Terms excludes or limits liability where doing so would be unlawful.
Nothing in these Terms affects your statutory rights as a consumer.
Subject to those protections, WiTMoney provides information and comparison services and does not guarantee that a particular financial product will be available, suitable for you or offered to you on the terms displayed.
We are not responsible for decisions made independently by third-party providers, including decisions concerning:
- applications;
- eligibility;
- affordability;
- creditworthiness;
- interest rates;
- credit limits;
- borrowing amounts; or
- approval or rejection.
We are also not responsible for the operation, availability or content of third-party websites that are outside our control.
17. Privacy
Our Privacy Policy explains how WiTMoney collects, uses and protects personal information.
In particular:
WiTMoney does not conduct hard credit searches.
Please read the Privacy Policy before providing personal information through the Website.
18. Cookies
WiTMoney uses cookies and similar technologies for purposes described in our Cookie Policy.
Where required by law, we will ask for your consent before using non-essential cookies.
You can manage applicable preferences through the Website's cookie controls.
19. Changes to these Terms
We may update these Terms from time to time to reflect changes to:
- WiTMoney;
- the services or features we provide;
- applicable law;
- technology; or
- our business practices.
The latest version will be published on this page.
Where appropriate, we will update the “Last updated” date at the top of these Terms.
20. Governing law
These Terms are governed by the laws of England and Wales.
If you live elsewhere in the United Kingdom, you may also benefit from mandatory consumer protections applicable in the country where you live.
Nothing in these Terms is intended to remove rights that cannot lawfully be excluded.
21. Contact us
If you have questions about WiTMoney or these Terms of Use, please contact:
WiTMoney
Part of WiT Finance Group
Email: contact@witfinancegroup.com