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Terms & Conditions

Please read this information carefully. By using the My Money Matters Website, Web App or Mobile App, you confirm that you have understood and agree to be bound by the terms and conditions set out on this page and by our Privacy Notices and our Cookie Notice. If you do not wish to agree to these terms and conditions or notices, you must not use the My Money Matters Website, Web App or Mobile App.

If you register on our web or mobile app via your Employer, please refer to the MMM Services Privacy Statement from your Employer. 

This website and the information provided on it are for the use of permanent residents of the United Kingdom only. By using this website, you represent and warrant that you meet these requirements. If you do not meet these requirements, you should not use the My Money Matters Website, Web App or Mobile App.

Information about us

www.mymoneymatters.com is a website operated by AVC Wise Limited. We are registered in England with company number 11406613, and our Registered Office is First Floor, 5 Fleet Place, London, United Kingdom, EC4M 7RD.

Jurisdiction

AVC Wise Limited controls and operates this website from England and the information delivered via the My Money Matters Website, Web App or Mobile App is deemed to have been delivered in England. We make no representation that the material contained in this website is appropriate or available for use in other locations outside the United Kingdom. By operating this website, we are not soliciting any business from any location outside the United Kingdom. 
 
The My Money Matters Website, Web App or Mobile App is not directed to any person in any jurisdiction where (by reason of that person's nationality, residence or otherwise) the publication or availability of this website is prohibited. Persons to whom such restrictions apply must not access the My Money Matters Website, Web App or Mobile App. If you choose to access this site from outside the United Kingdom, you are solely responsible for compliance with local laws. 
  
The My Money Matters Website, Web App or Mobile App and any transaction effected through them are governed by English law and the English courts shall have exclusive jurisdiction in any legal proceedings. 

Nothing contained in the My Money Matters Website, Web App or Mobile App should be construed as a solicitation, offer or recommendation to buy or sell any investment. By providing the information on the My Money Matters Website, Web App or Mobile App, we are not determining the suitability of any investment for any investor. Nor does the information constitute investment advice. You should obtain relevant professional advice before making any investment decision.

Services

Financial wellbeing Coaching Services

We may offer optional paid financial wellbeing coaching services through the Website, Web App or Mobile App.

Details of the coaching service, including the applicable fee, session format and booking arrangements, will be made available at the time of booking.

By booking a coaching session, you acknowledge and agree that:

  • the coaching service is provided for educational and informational purposes only;

  • the coaching service does not constitute financial advice, investment advice, pension advice, tax advice or any other regulated financial service;

  • we do not provide personal recommendations regarding any financial product, investment, pension arrangement or course of action;

  • any modelling tools, projections, reports, illustrations or other materials provided during or following a coaching session are for illustrative purposes only and should not be relied upon as financial advice; and

  • you remain solely responsible for any financial decisions you make

Fees for coaching services shall be as displayed at the time of booking and must be paid in full before a booking is confirmed.

Cancellation, Rescheduling and Refunds 

Cancellation of Coaching Sessions

You may cancel a coaching session by contacting us using the details below.

Where a cancellation request is received at least 48 hours before the scheduled session, you may elect to:

  • reschedule the session to an alternative date and time; or
  • receive a refund of the fee paid.
Where a cancellation request is received less than 48 hours before the scheduled session, no refund will be payable, although we may, at our discretion, reschedule the session.

No refund will be payable where you fail to attend a scheduled coaching session.
Rescheduling of Coaching Sessions

You may request to reschedule a coaching session by contacting us using the details below.

Where a rescheduling request is received at least 48 hours before the scheduled session, we will use reasonable endeavours to accommodate the requested change, subject to availability.

Where a rescheduling request is received less than 48 hours before the scheduled session, we reserve the right to refuse the request and treat the session as cancelled.

If we cancel a coaching session and are unable to offer a suitable alternative session, you will be entitled to a full refund.

Refunds and Satisfaction Guarantee

Following completion of a coaching session, you will have seven (7) calendar days to notify us if you are dissatisfied with the coaching session.

At your request, the output report may be issued before the expiry of the seven (7) day period.

Where the output report is issued before the expiry of the seven (7) day period at your request, you acknowledge and agree that (a) you are satisfied with the coaching session; and (b) you waive any right to request or receive a refund in respect of that coaching session.

If you do not notify us within seven (7) calendar days that you are dissatisfied with the coaching session, the output report will be issued to you. Once the output report has been issued, no refund will be available in respect of that coaching session.

If you notify us within seven (7) calendar days that you are dissatisfied with the coaching session, the output report will not be issued, and we will offer one complimentary follow-up session to address your concerns.

If, following the complimentary follow-up session, you remain dissatisfied with the coaching session, you may submit a request for a refund within seven (7) calendar days of the follow-up session, which we may approve or reject, acting reasonably in the circumstances.

If no refund request is received within seven (7) calendar days of the complimentary follow-up session, you will be deemed satisfied with the coaching session and the output report will be issued.

Once the output report has been issued, no refund will be available in respect of that coaching session or any related follow-up session.

Email: support@my-money-matters.co.uk

Telephone: 01252 959 779

Address: First Floor, 5 Fleet Place, London, United Kingdom, EC4M 7RD

Please provide your full name, address, details (including time and date_ of the relevant coaching service, the nature of your request (cancellation or rescheduling), and any other information you consider relevant to assist us in processing your request.

Any complaint relating to a coaching service may be raised using the contact details set out in the "How to complain if you're not happy about a product or service" section of these terms.

Disclaimer

The material published on the My Money Matters Website, Web App or Mobile App is provided as a convenience to visitors and should be used for general information purposes only. If you require additional information, you should contact us by letter, telephone or email. 

Any financial wellbeing coaching services, modelling tools, projections, illustrations, reports or other materials made available through the My Money Matters Website, Web App or Mobile App are provided for educational and informational purposes only. They do not constitute financial advice, investment advice, pension advice, tax advice or any other regulated financial service, and should not be relied upon as a personal recommendation. Any modelling outputs or projections are illustrative only and you remain solely responsible for any financial decisions you make.

We reserve the right to change any material on the My Money Matters Website, Web App or Mobile App without notice. 

We may update the terms and conditions set out on this page and our notices from time to time. By continuing to use this website after we make any such updates, you confirm that you have understood and agreed to be bound by them. You should revisit the relevant pages regularly to ensure that you have seen and are aware of the current terms and conditions and the current notices, as they are binding upon you.

Viruses, hacking and other offences

We do not guarantee that our My Money Matters Website, Web App or Mobile App will be free from bugs, malicious programs or materials or viruses. You are responsible for configuring your information technology, computer programmes and platform in order to access our services. You should use your own virus protection software. 
 
You must not misuse our Website, Web App or Mobile App 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 our Website, Web App or Mobile App or it’s supporting elements. You must not attack our services via a denial-of-service attack or a distributed denial-of-service attack. 

Our liability to you

Nothing in these terms and conditions excludes or limits our liability for:

  • death or personal injury as a result of our negligence; or
  • fraud or fraudulent misrepresentation.

We exclude all other conditions, warranties, representations or other terms which may apply to our website or any content on it, whether express or implied.

We will not be liable to you for any loss or damage (even if foreseeable) arising under or in connection with: 

  • use of, or inability to use, our website, web app or mobile app; 
  • use of or reliance on any content displayed on our website, , web app or mobile app; or 
  • viruses, distributed denial-of-service attacks, or other technologically harmful material that may infect your computer equipment, computer programs, data or other proprietary material due to your use of our website or to your downloading of any content on it, or on any website linked to it. 

We accept no liability for the information contained on any third-party websites linked to on our website and we will not be liable for any loss or damage that may arise from your use of them.

Linking

Where our website, web app or mobile app contains links to other websites 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 we accept no responsibility for them. 
  
You must not link our services without our permission.

Intellectual Property Rights

The My Money Matters name and logo are registered trademarks of AVC Wise Ltd. We own the license of all copyrights on our website, web app and mobile app, as well as the content, trademarks or other material published on those. 
  
You may not print or download individual sections of our website, web app or mobile app for your own personal information and use.
  
You must not use, extract or reproduce our trademarks or any content from our website, web app or mobile app for commercial purposes without first obtaining the written consent of AVC Wise Limited or any party which licenses any content to us.

How to complain if you're not happy about a product or service

We aim to provide excellent products and service at all times. If you feel you have cause to complain about a product or service we have provided to you, please contact us by letter, telephone or email. One of our customer service agents will deal with your complaint and will try to provide a quick and satisfactory conclusion for you.

So that we can try to resolve your complaint, please provide us with the following information when you contact us:

  • Your full name and address
  • Full details of your complaint
  • Any information you consider to be relevant to your complaint

Email: support@my-money-matters.co.uk

Telephone: 01252 959 779

Address: First Floor, 5 Fleet Place, London, United Kingdom, EC4M 7RD

General

If any part of these terms and conditions or our notices is found to be invalid, unenforceable or unlawful by any court of competent jurisdiction, such part shall to that extent be severed from the remaining provisions, all of which shall remain in full force and effect as permitted by law. 
  
Failure by us to exercise any right or remedy under these terms and conditions or our notices shall not constitute a waiver of that right or remedy, and shall not prevent us from exercising that right or remedy at any time in the future. 
  
These terms and conditions and our notices are governed by English law, and in the event of a dispute you agree that the courts of England and Wales will have non-exclusive jurisdiction.