Terms and Conditions

This www.peopleschampion.com website (the “Website”) is provided by  peopleschampion.com Limited (we or us).  These terms and conditions (the “Terms and Conditions”) govern your use of the Website.  If you are not willing to accept these Terms and Conditions you may not use the Website.

These Terms and Conditions ought to be read in conjunction with the terms and conditions contained in the Privacy Policy located at http://www.peopleschampion.com/main/privacy-policy.php. 

We reserve the right to change these Terms and Conditions and any other terms and conditions contained elsewhere on the Website at any time.  It shall be your responsibility to check regularly to ensure that you agree to any such amendments. If you do not agree to any changes that we have made, you should stop accessing the Website immediately.

Disclaimer

peopleschampion.com Limited is an appointed representative of Moneysupermarket.com Financial Group Limited, which is authorised and regulated by the Financial Services Authority (FSA FRN 303190) to conduct the regulated businesses of introducing and arranging mortgages and insurance products.

Moneysupermarket.com Financial Group Limited is a private limited company, registered in England and Wales (registered number 3157344) and having its registered office address at Moneysupermarket House, Saint David’s Park, Ewloe, Chester CH5 3UZ.  To verify its status, please refer to the FSA register at http://www.fsa.gov.uk/Pages/register/.

The Financial Services Authority is the principle regulatory body for Financial Services in the UK and it can be contacted at:

The Financial Services Authority
25 The North Colonnade
Canary Wharf
London
E14 5HS

Tel: 020 7066 1000
Or by visiting its website http://www.fsa.gov.uk

Nothing on the Website is, or shall be deemed to constitute, financial or other advice or a recommendation to purchase any product or service.  Any and all information provided on the Website is for general information purposes only.  We strongly recommend that independent professional advice is obtained before you purchase any product and/or services via the Website.

The Website is provided to you on an "as is" and "as available" basis without any representation, endorsement or warranty of any kind, express or implied (by law or otherwise). Accordingly, to the maximum extent permitted by law, we exclude all representations, warranties, conditions and other terms. Specifically, we do not warrant: (1) that any functions on the Website will be uninterrupted or error free; (2) that the information on the website is correct, accurate and complete; or (3) that the Website or the server that makes it available, are free from bugs, defects or viruses.

Furthermore, we hereby notify you that the price comparison tool made available to you on our Website is provided by Moneysupermarket.com Financial Group Limited and we have no control over the content relating to or generated by that price comparison tool and we shall accept no liability for any losses arising in relation to such content.

Liability

In no event shall we be liable for any loss or damage, howsoever arising, out of or in connection with your use of the Website, including, without limitation, direct or indirect loss, consequential loss or damage, loss of profit or goodwill, loss of data, loss arising from use or inability to use the Website, loss arising from any errors or omissions in the Website as a result of breach of contract, negligence, delict or tort.

Nothing in these Terms and Conditions shall exclude or limit our liability for death or personal injury caused by our negligence or for our fraud, or excludes or limits our duties or any liability under the Financial Services and Markets Act 2000, as amended from time to time, (“FSMA”) or any conduct of business rules developed pursuant to FSMA.

Nothing in these terms and conditions affect your statutory rights.

Third Party Products and Services

You can apply for and buy a number of products and services via the Website.  Please be aware that the majority of products and services that appear on the Website are not provided by us and are provided by third parties over whom we have no control.  You should satisfy yourself that you wish to purchase those products or services before contracting with the third parties.  We accept no liability for products and services provided by third party providers.  Third party providers will be supplying products and services on their own standard terms and conditions and you should check that you agree to those terms and conditions before making an application for financial services products or purchasing other services.

Links to Third Party Website

The Website contains links (the “Links”) to websites operated by parties other than us (“Third Party Websites”).  We do not control Third Party Websites, and are not responsible for their content.  The inclusion of the Links does not imply any endorsement of any products, information, materials or services offered or provided on Third Party Websites, or any association with their operators.  You are solely responsible for evaluating the integrity of the operators of any Third Party Websites; the accuracy and completeness of any information contained on them, and the value and authenticity of any goods or services offered through them.

We accept no liability with respect to any of the products, information, material or services offered or provided by any persons or other organisations listed on, or linked to, the Website. Should you decide to contract with any such person or organisation, the contract will be directly between you and that other party. We will have no contractual involvement, and will not be liable to you in contract or otherwise for any losses or damages that you suffer in relation to and as a result of products, information, materials or services provided to you by any of these organisations.

Intellectual Property Rights

Unless otherwise stated, the copyright and other intellectual property rights in all material on the Website (including without limitation the Website design, layout, photographs and graphics) are owned by us or by our licensors.

You may view or download any part of the Website for private purposes, but you are not permitted, without our permission, to:

• store the Website, or any part of the Website, for any other purpose;
• print copies of the Website, or any part of the Website, for any other purpose;
• reproduce, copy or transmit the Website, or any part of the Website, in any way, for any other purpose or in any other medium.

All other rights which are not specifically granted are reserved.

If you breach any of these Terms and Conditions, your permission to use the Website automatically terminates and you must immediately destroy any downloaded or printed extracts from the Website.

Service Access

While we endeavour to ensure that the Website is normally available 24 hours a day, we shall not be liable if for any reason the Website is unavailable at any time or for any period.

Access to the Website may be suspended temporarily and without notice in the case of system failure, maintenance or repair or for reasons beyond our control.

Severability

If and in so far as any part or provision of the Terms and Conditions is or becomes void or unenforceable it shall be deemed not to be or never to have been or formed a part of the Terms and Conditions and the remaining provisions of the Terms and Conditions shall continue in full force and effect.

Privacy

If we gather any information about you then such information will be gathered and used by us in accordance with our Privacy Policy.  Our Privacy Policy is located at http://www.peopleschampion.com/main/privacy-policy.php. 

Waiver

No waiver by us of any breach by you of any of these Terms and Conditions shall constitute a waiver of any other breach, and no failure to exercise or partial exercise by us of any remedy shall constitute a waiver of the right subsequently to exercise that or any other remedy in part or in full.

Law and Jurisdiction

These Terms and Conditions shall be governed by and construed in accordance with Scots law.  All disputes arising from them shall be submitted to the exclusive jurisdiction of the Scottish courts.

Contact Us

If you have any queries about these Terms and Conditions, or are unhappy for any reason with the Website and the service it provides, you may contact us at contactus@peopleschampion.com.

If you submit a complaint, we will acknowledge receipt of your complaint, in writing, within 5 business days and we will inform you of the name or job title of the individual handling the complaint (together with full details of our internal complaint handling procedures).  We aim to resolve complaints at the earliest opportunity.  When we send our final response to any complaint, we will inform the complainant of their right to refer the complaint to the Financial Ombudsman Service should they not be satisfied with the final response that we give and that if they wish to exercise this right, they must do so within six (6) months.  We will enclose a copy of the Financial Ombudsman Services explanatory leaflet when we send the final response.  The Financial Ombudsman Service can be contacted at South Quay Plaza, 183 Marsh Wall, London E14 9SR or on 0845 080 1800.

If you are unhappy with any third party product or service that you have purchased or otherwise been introduced via the Website, we recommend that you contact the third party provider of that product or service direct with your complaint.