Please read these terms before using moneykind.co.uk or submitting an enquiry. These terms relate to Moneykind’s website and introduction service, not to any separate contract you may enter into with an introduced provider.
1. Who operates Moneykind
Moneykind is a trading name of Andeevs Limited, registered in England and Wales under company number 05672633. Our registered office is 3 Main Road, Hoo, Rochester, Kent, ME3 9AA. You can contact us at hello@moneykind.co.uk.
2. What our website does
Moneykind is an introduction service designed to connect people with businesses offering mortgages, insurance, financial advice, accounting, business finance, wills and related professional services. Depending on your needs, we may introduce you to a suitable participating professional firm or another suitable independent provider.
Moneykind does not itself provide regulated financial advice, arrange or recommend a particular regulated financial product through this website, or act as your mortgage or financial adviser. Any advice, recommendation, quotation or service is provided by the relevant professional or firm, subject to their own terms and regulatory status.
3. Using our website
You may browse the website and use its guides and calculators for general information. You agree not to misuse the site, interfere with its operation, submit false or misleading enquiries, or attempt to access systems or information without permission.
You must be at least 18 to submit an enquiry relating to financial or professional services unless we expressly agree otherwise.
4. Submitting an enquiry
When you submit an enquiry, please provide accurate, up-to-date information and only share information you are entitled to provide. We may contact you to clarify your requirements and may pass relevant enquiry information to a suitable professional, in accordance with our Privacy Policy and the information shown on the enquiry form.
Submitting an enquiry does not oblige any provider to accept your case, offer a service, approve finance or provide a particular product. You are not obliged to proceed with a professional introduced by Moneykind.
5. Introductions and third-party providers
The professional or business receiving your enquiry is responsible for explaining its own services, fees, terms, eligibility requirements and, where applicable, regulatory permissions. Before proceeding, you should check that the provider is suitable for your needs.
Where financial services are regulated, you can check a firm’s permissions on the Financial Services Register. Other professional services may be subject to different regulatory or professional-body arrangements.
Moneykind does not guarantee the quality, availability, price, outcome or suitability of any third-party service. We do not act as a party to a contract you enter into with an introduced provider.
6. Fees and commercial relationships
Moneykind may receive a referral fee, commission or other payment from a business that receives an introduction. Such arrangements may influence which providers are available through our service.
Any fees that a professional may charge you should be explained by that professional before you agree to use their services. If Moneykind proposes to charge you directly for a service, we will tell you the amount and applicable terms before you commit.
7. Guides, calculators and website information
Our guides, examples, estimates and calculators are provided for general information only. They are not personalised advice, a quotation, an agreement in principle, an offer of finance, or a guarantee of eligibility.
Calculations may use simplified assumptions and may not reflect lender criteria, taxes, fees, interest-rate changes or your full circumstances. You should obtain appropriate professional advice before making important financial or legal decisions.
8. No guarantee of availability
We aim to keep the website available and information reasonably current, but we cannot promise uninterrupted access or that every page will always be complete, accurate or up to date. We may update, suspend or withdraw parts of the website when necessary.
9. Our responsibility
Nothing in these terms excludes or limits liability where doing so would be unlawful, including liability for fraud or fraudulent misrepresentation, or for death or personal injury caused by negligence.
Subject to that, we are not responsible for decisions, advice, products or services provided independently by third-party professionals, or for losses arising from reliance on general website estimates instead of personalised professional advice. Your statutory rights are unaffected.
10. Intellectual property
The Moneykind name, website design, written content and other materials are owned by us or used with permission, unless otherwise stated. You may view and print reasonable extracts for personal, non-commercial use, but may not reproduce or commercially exploit website content without permission.
11. Privacy and communications
We handle personal information in accordance with our Privacy Policy. Submitting an enquiry allows us to respond to that enquiry and make the introduction described at the point of collection; it does not automatically sign you up for unrelated marketing.
For privacy requests, email privacy@moneykind.co.uk.
12. Complaints and contacting us
If you are unhappy with Moneykind’s introduction service, email complaints@moneykind.co.uk and explain what happened. We will review your concerns and respond.
Complaints about advice, a financial product or another professional’s services should normally be directed to the firm that provided those services. Where relevant, that firm should explain any applicable regulatory complaints process and escalation rights.
13. External websites
Our website may link to websites operated by other organisations. Those websites are not under our control and may have their own terms and privacy policies. A link does not necessarily mean that we endorse the organisation or its services.
14. Changes to these terms
We may revise these terms to reflect changes to our website, services or legal requirements. The latest version will be published here with an updated date. Your continued use of the website after changes are published will be subject to the updated terms, insofar as permitted by law.
15. Governing law
These terms are governed by the laws of England and Wales. If you are a consumer living elsewhere in the United Kingdom, you retain any mandatory rights and protections available under the law applicable to you.