We are MoneyVista Limited ("we", "us", "our"), a company registered in England and Wales under company number 04409600. Our registered office is at 55 Gracechurch Street, London, EC3V 0RL.
(i) our website www.MoneyVista.com;
(ii) any material and information we publish on our website;
(iii) any software, applications or services we provide on or through our website; and
(iv) any bulletin boards, discussion groups and features on our website that allow you to give feedback to us or that allow interaction between users.
1. WHO SHOULD USE MONEYVISTA AND WHAT IT IS FOR
1.1 MoneyVista is intended only for use by residents of the United Kingdom (excluding the Isle of Man and Channel Islands) who are aged 18 years and above. We do not accept liability for any costs, losses or damages resulting from or related to the use of MoneyVista by anyone living outside the United Kingdom.
1.2 The purpose of MoneyVista is to provide you with an on-line, self-directed financial planning service. The service available will help create purely indicative budgets and forecasts based on the information you provide and assumptions within the website which you can change if you wish.
2. ADVICE - IMPORTANT
Nothing in or on MoneyVista constitutes regulated financial or other professional advice in any way. MoneyVista will help you to understand and manage your finances, but MoneyVista does recommend that you should consult a regulated financial adviser or other professional adviser if you require any financial or other professional advice.
3.1 You must register with us to save your information with MoneyVista.
3.2 You can register online at www.MoneyVista.com.
3.3 We have complete discretion whether or not to accept your application to register with us. We may reject your application without giving a reason.
4.1 You will be able to select a password when you register.
4.2 You should memorise your password and ensure you take all reasonable precautions to prevent it from being obtained by anyone else.
4.3 We will ask you to enter a password hint so that if your account gets locked it can be quickly opened by using our on-line facility.
4.4 If you believe that someone else knows your password or is using your password to access MoneyVista without permission, you must ensure that your password is immediately changed using our on-line facility.
4.5 If you fail to take these steps, we will not be responsible for any loss you suffer as a result.
4.6 You must log out of MoneyVista and close your web browser when you have finished using MoneyVista. If you do not do this, information about you may appear on the screen of the computer when it is next used and we cannot be held responsible for anyone else having access to this information.
5.1 We aim to make MoneyVista available 24 hours a day, seven days a week. We do not guarantee that MoneyVista will always be available. MoneyVista may be temporarily unavailable or restricted for routine maintenance or other reasons. If this happens we will try to restore availability as soon as possible.
5.2 We may for security reasons restrict or remove your access to MoneyVista if:
(a) the incorrect password is keyed in on three successive logon attempts;
(b) you or we suspect that an unauthorised person is attempting to access MoneyVista using your password;
(c) for valid operational or security reasons, you or we believe it is necessary and appropriate to do so;
(d) you do not pay the Subscription Fee (as defined in Section 9);
(e) you use MoneyVista for any commercial purpose or for any other use which is not personal use (for example, to advertise services that you could offer); or
6. INFORMATION ACCURACY AND DISCLAIMER
6.1 We will take reasonable care to ensure that all the information on MoneyVista that we have provided is accurate, current and complies with relevant laws and regulations of the United Kingdom as at the date of issue.
6.2 We cannot accept any liability or responsibility for any information, opinion, recommendation or material displayed, uploaded or distributed through MoneyVista by you or by any other users. You acknowledge that you will be solely responsible for the consequences if you choose to rely on such information, opinion, recommendation or material.
7. INTELLECTUAL PROPERTY
7.1 We either own or we have the right to use all intellectual property rights in MoneyVista.
7.2 You agree not to remove, alter or obscure any of our proprietary rights (including copyright and trade mark notices) which may be attached to MoneyVista.
7.3 We do not give you any right to use any of our trade names, trademarks, service marks, logos, domain names or other distinctive brand features.
7.4 "MoneyVista" is a trade mark of The Royal London Mutual Insurance Society Limited.
8. NO COMMERCIAL USE
9.1 We may charge a non-refundable Subscription Fee for continued access to MoneyVista ("Subscription Fee").
9.2 Currently there is no Subscription Fee for use of MoneyVista, but we reserve the right to charge a fee in the future. If a Subscription Fee is charged details will be available on the website.
9.3 Any payments and any applicable taxes must be in Pounds Sterling. Your subscription (should there be one) will begin on the date we receive payment of your Subscription Fee and will continue until you cancel your subscription.
9.4 If you pay us a Subscription Fee, you will need to provide your credit or debit card details. Your card information and billing information will be stored, managed and kept by card companies or our payment gateway provider. Their privacy policies will apply in relation to your card information and other personal details submitted to them. MoneyVista Limited does not store, manage or keep your credit card or debit card details
10. CANCELLING YOUR SUBSCRIPTION
10.1 You may cancel your subscription within seven working days following the date on which your subscription begins ("Cancellation Period"). To do this you must login and inform us of your request using the online facility within the Cancellation Period and, once we receive your notice of cancellation, we will send you a confirmatory email and return the Subscription Fee you have paid.
10.2 To cancel your subscription at any other time you must login and inform us of your request using the online facility. We will cancel your subscription within seven working days of receiving your notification.
10.3 The Subscription Fee is non-refundable.
10.4 We may terminate your right to use MoneyVista:
(a) by giving you immediate notice if you commit a material breach of these terms and fail to correct the breach within 30 days of being asked by us to do so; or
(b) by giving you as much advance notice as possible in the event that we have to withdraw MoneyVista for legal, regulatory or other reasons. In these circumstances MoneyVista will refund in full any partial and full months' unused subscriptions to you.
10.5 The notices that either we or you are required to serve on each other under this section must be served by email. Any email will be deemed to be delivered on the day it was sent provided the sender does not receive a non-delivery message.
11. OUR LIABILITY
(a) a breach of any term implied by law as to our title to any goods or services we provide to you;
(b) fraud or fraudulent misrepresentation;
(c) personal injury or death resulting from our negligence; or
(d) our breach of our statutory obligation to provide the services with reasonable skill and care.
13. VIRUSES, HACKING AND OTHER OFFENCES
13.1 You must not misuse MoneyVista by knowingly introducing viruses, trojans, worms, logic bombs or other material which is malicious or technologically harmful. You must not attempt to gain unauthorised access to MoneyVista, the server on which MoneyVista is stored or any server, computer or database connected to MoneyVista. You must not attack MoneyVista via a denial-of-service attack or a distributed denial-of service attack.
13.2 By breaching this provision, you would commit a criminal offence under the Computer Misuse Act 1990. We will report any such breach to the relevant law enforcement authorities and we will co-operate with those authorities by disclosing your identity to them. In the event of such a breach, your right to use MoneyVista will cease immediately.
13.3 We will not be liable for any loss or damage caused by a distributed denial-of-service attack, viruses or other technologically harmful material that may infect your computer equipment, computer programs, data or other proprietary material due to your use of MoneyVista or to your downloading of any material posted on it, or on any website linked to it.
We do not guarantee the suitability of any downloads from MoneyVista and accept no liability for any problems with your computer that may arise as a result. You accept that you will be solely responsible for any consequences of downloading any material made available through MoneyVista. If you are not sure about the suitability of any such downloads for your computer, please seek specialist advice before downloading.
MoneyVista contains links to other sites and resources provided by third parties. These links are provided for your information only. We have no control over the contents of those sites or resources, and accept no responsibility for them or for any loss or damage that may arise from your use of them.
16.2 If you choose to send emails or electronic messages to us, you accept that there can be no guarantee that we will receive your email or electronic message, or that the content of the email or electronic message will remain private or unaltered during its transmission to us. We will accept no liability for any loss or damage you may suffer as a result of this.
16.3 We reserve the right to monitor the use and content of emails and electronic messages which are sent from and received by us for the purposes of ensuring compliance with our own email policy, and identifying and taking action against unlawful or improper use of, or attacks on, our systems.
16.4 Although we scan all emails and electronic messages for viruses, it is never possible to guarantee that our virus-scanning will be completely free of errors. Accordingly, we do not accept any responsibility for any damage caused by a virus or for any alteration made or caused by anyone else, after we have sent you an email or electronic message. We recommend that you employ reasonable virus detection and protection measures when accessing any emails or electronic messages from us.
17. HOW TO CONTACT US
Login to your MoneyVista account and use the online facility to contact us.
We will deal with any complaints in accordance with our Complaints Policy.
19. EVENTS OUTSIDE OUR CONTROL
19.1 We draw your attention to the following:
(a) the internet may be subject to interruption or failure through no fault of ours;
(b) you are responsible for providing and maintaining the communications equipment (including personal computers and modems) to use MoneyVista;
(c) we cannot guarantee that MoneyVista will support all browser types and be fully compatible with your communications equipment; and
(d) you are required to maintain a live email address for receipt of ongoing communications. Please add emails from MoneyVista to your safe list.
20.2 We will give you three months' notice, via email, of any increase to the cost of the service where the reason for the change is not covered in section 20.1.
22. GOVERNING LAW
MoneyVista plan completeness competition Terms and Conditions:
1. WHO CAN ENTER
The prize draw is open to UK-based, currently-registered users of MoneyVista who are 18 years old and over. Employees, freelancers and contractors of Royal London Group, their families, press, agencies or any persons directly or indirectly connected with the competition are not eligible to enter. MoneyVista reserve the right to verify the eligibility of all entrants.
2. ENTRY DETAILS
There are 3 prize categories:
Prize draw 1: To qualify for entry into the prize draw to win £100 of John Lewis vouchers MoneyVista users must have their plan completeness at 40% or over by midnight on 31 October 2013.
Prize draw 2: To qualify for entry into the prize draw to win £200 of John Lewis vouchers MoneyVista users must have their plan completeness at 60% or over by midnight on 31 October 2013.
Prize draw 3: To qualify for entry into the prize draw to win £500 of John Lewis vouchers MoneyVista users must have their plan completeness at 80% or over by midnight on 31 October 2013.
Prize draw 4: To qualify for entry into the prize draw to win £100 of John Lewis vouchers MoneyVista users must have their plan completeness at 40% or over by midnight on 30 November 2013.
Prize draw 5: To qualify for entry into the prize draw to win £200 of John Lewis vouchers MoneyVista users must have their plan completeness at 60% or over by midnight on 30 November 2013.
Prize draw 6: To qualify for entry into the prize draw to win £500 of John Lewis vouchers MoneyVista users must have their plan completeness at 80% or over by midnight on 30 November 2013.
Those MoneyVista users who qualify for entry into prize draw 3 will also be included in prize draw 1 & 2. Those MoneyVista users who qualify for entry into prize draw 2 will also be included in prize draw 1. Those MoneyVista users who qualify for entry into prize draw 6 will also be included in prize draw 4 & 5. Those MoneyVista users who qualify for entry into prize draw 5 will also be included in prize draw 4.
3. PRIZE DRAW
In the week after the prize draws with a closing date of 31 October 2013 the winners will be picked at random from all the entries by an independent adjudicator. In the week after the prize draws with a closing date of 30 November 2013 the winners will be picked at random from all the entries by an independent adjudicator. MoneyVista will let the winners know by emailing them within 5 working days of the closing date. MoneyVista will include instructions for how to claim the prize. Failure to claim the prize within 28 days will make any claim invalid and MoneyVista may re-allocate the prize. The prize will be sent by special delivery to the winners chosen postal address.
The prizes are not transferable, may not be re-sold and are subject to availability. No cash alternative to the prizes will be offered. MoneyVista reserve the right in their reasonable discretion to substitute any such gift, prize or item with a gift, prize or item of equal value. The prizes are offered at the discretion of MoneyVista. MoneyVista’s decision in relation to the award of the prizes and all other matters associated with the prize draws will be final and no correspondence will be entered into. The prizes are non-transferable and there are no alternative prizes unless determined by MoneyVista.
MoneyVista reserves the right to refuse to accept any entry which, in their sole opinion, does not comply with the Terms and Conditions of the prize draw or which contravenes the spirit of the prize draw. MoneyVista further has absolute discretion to disqualify any entry, or vary, amend or waive the Terms and Conditions of the prize draw at any time and participants agree that no liability shall attach to MoneyVista as a result thereof and that the exercise of such discretion shall not result in any compensation being payable of paid to any participant.
All entrants to the prize draw will be deemed to have accepted these rules.
Last updated: 31 October 2013.