Terms & Conditions

1. Introduction

By using our website, MustCompare.co.uk and services, you agree to these terms and conditions. You must be 18 years of age or over, a UK resident and located in the UK while using MustCompare.co.uk and services.

Must Compare is a trading name of Emergency Cash Limited, a firm authorised and regulated by the Financial Conduct Authority, under registration number 673428.
Registered in England. Registered Company No.: 07527455. Data Protection Registration No.: Z2831320

MustCompare may change or update these Terms & Conditions. If we do, the updated or amended Terms & Conditions will be posted to this page.

Last updated 28/07/21

2. Definitions:

a) "Our website", "us", "we" and "MustCompare.co.uk" means MustCompare and Emergency Cash Limited.

b) "You" and "your" means any person who accesses and uses our website.

c) "ECL" means Emergency Cash Limited.

d) "Provider" and "Providers" means third party financial services companies or organisations that are advertised, featured or displayed on our website.

e) "Product" and "Products" means any third-party products or services that are advertised, featured or displayed on our website, for example, bank accounts, credit cards, prepaid cards and loans.

f) "Most popular" means the product or service that has received the most clicks in a comparison table.

3. General:

a) MustCompare is a trading name of Emergency Cash Limited (ECL). ECL is authorised and regulated by the Financial Conduct Authority.

b) We do not charge users a fee to use our website. We receive commission or fees from providers featured or displayed on our website.

Commission or fees may be paid to us when:
- a product or service is obtained from a provider shown on our website
- a link or button on our website is clicked taking you to a providers’ website
- advertisements are displayed including banners and sponsored post

We also show providers on our website from whom we may not receive a commission or fees. Commission or fees from providers do not influence results on comparison tables.

c) Our website provides you with the ability to select, re-order and compare products and services on comparison tables based on your preferences. Changes the in order of products and services shown on comparison tables are a result of the selections you make and are not an endorsement from us. Some of the features that you can compare, include but are not limited to: most popular, interest rates, representative APR, annual fees, balance transfers, rewards, cashback and monthly fees. All comparisons and information on our website should be used for guidance only.

d) All information, including guides, comparison tables and services on our website should be used for guidance to help you make an informed decision before obtaining a financial product or service. We don’t give any financial advice or legal advice. We don’t endorse or make recommendations about any financial products or services on our website.

e) Our website does not compare or contain information on all products, services or providers currently available in the UK market, we only cover a very small portion of the market. There may be other options available to you that may suit your circumstances better than those options shown or mentioned on our website. You should, therefore, consider other comparison sites and research other options available. You should also seek financial advice where needed and carefully consider your personal financial circumstances before choosing a product or service.

f) Our website only displays necessary information such as interest rates and application fees about products or services. Providing us with your personal information on our website is optional and limited. We do not obtain information or request details about your finances or your circumstances. We cannot assess or decide if a product or service is right for you, neither do we provide any financial advice, nor are we authorised to give financial advice.

Before you decide to apply for or obtain a financial product or service, ensure you have all the information you need from the provider to make an informed decision that it is right for your personal circumstances.

g) If we have provided an estimate or quote, it does not guarantee the provider will accept your application. The provider, not us, can only decide acceptance. Before applying for a product or service, you should contact the provider directly or check with the providers' website regarding applications and approval. You should also be aware that during an application for some products and services, a provider may run a credit check on you. You should check with the provider or on their website before applying.

h) Any arrangements or agreements between you and a provider or third party are at your own risk. It is up to you to ensure you are satisfied with the information received directly from a provider to make an informed decision that it is right for your circumstances.

i) We make every effort to keep our website updated and accurate. However, offers, products, services and providers can change or be withdrawn. All information and content on our website is subject change without prior notice. Our website should be used for general information and guidance only. It is not intended to form any part of a contract or agreement. We are not liable for any losses you may suffer due to information that is placed on our website or removed from our website, whether temporarily or permanently.

j) The MustCompare websites' primary function is to offer comparison services and information on financial products and services. MustCompare itself is not a lender; it does not provide bank accounts, prepaid cards, credit cards or loans. MustCompare is a trading name of ECL. ECL is authorised to provide Short Term Lending Services, which it does trading as Wizzcash.com. Wizzcash.com may appear on the MustCompare website as a loan provider. MustCompare does not endorse or make recommendations on financial products or services, including Wizzcash.com as a provider or its' products or services.

k) Our website includes links to and from external websites, including those of providers. Linked websites will have their own privacy policies, terms of use, general terms and conditions which you should read. We make every effort to ensure that the providers and websites we link to are reputable and regulated as required; however should you choose to access these sites you do so at your own risk. We cannot control external websites. Neither do we sponsor, endorse, nor necessarily approve of any material on websites linked from or to our website.

l) You agree that access and use of our website are entirely at your own risk. We are not liable for any direct or indirect losses experienced by you due to the use or inability to use or access any of our websites' pages, services or products. We are not liable for any direct or indirect losses experienced by you due to external or third-party interference, such as hacking and computer viruses, or information posted on the web by other parties.

4. Trademarks and Intellectual Property

a) Emergency Cash Limited, MustCompare.co.uk and Must Compare as a name and logo or brand are owned by us. Unless agreed by us in writing, we do not permit the use of these. Use of these without our consent may constitute a violation of our rights.

b) Other registered and unregistered trademarks or service marks on our website are the property and the rights of their respective owners. Unless stated otherwise, we do not endorse and are not affiliated with any of the holders of any such rights, and as such we cannot grant any license to exercise such rights.

c) Our website includes links to and from external websites. We have no control of external websites. We are not responsible or liable for any of the content, information, infringements on any intellectual property rights, products and services shown on websites linked from or to our website.

5. Content

a) All content and information, including design, software, databases, text, materials and graphics on our website are owned by us or our licensors and thus protected by copyright.

b) All content and information, including design, software, databases, text, materials and graphics on our website are subject to change or removal without notice.

c) You may use our website for your sole individual, non-commercial use. The content and information, including design, software, databases, text, materials and graphics on our website may not be reproduced, modified or redistributed for any commercial purpose unless agreed by us in writing.

d) We make every effort to vet providers, services and products shown on our website; however, we recommend you carry out your own independent research before obtaining any financial product or service. You should ensure you have all the information you need directly from the provider to make an informed decision that it is right for you.

e) We make every effort to check the information and content on our website is correct and accurate. However, we do not offer any guarantee that it is free of errors or in accordance with the latest or most up to date information available. From time to time, Must Compare may change or update these Terms & Conditions. If we do, the updated or amended Terms & Conditions will be posted to this page.

If you do find information on our website that you consider incorrect, please contact us by writing to [email protected] , we will make every effort to correct this.

6. Your obligations

a) Our website and services are free. You are permitted to use our website and services on the condition that:
- you will not do anything to affect the integrity, speed, functions or security of our website, any of our systems and services
- you do not use our website, any of our systems and services in any way which is unlawful, illegal, fraudulent or harmful
- you will act in a way which is considered unlawful, illegal, fraudulent, harmful or inconvenience to any of our user(s) or providers
- you do not use spiders, data mining, trawling, screen scraping or any other methods to extract data and information whether belonging to us, providers or any
other user(s)
- you do not copy, reproduce or extract content and information on our website unless it is for your sole personal non-commercial use or agreed by us in writing
before doing
- you do not engage in any other activity, listed above or not, that we consider to be malicious to our website, our services, our systems, us (as individuals, as a company or brand), to any providers or to any other user(s)

b) If we suspect or know you have, whether in the past or have reason to believe you will in the future or are currently engaged or are connected in any way to any of the above activities, we may:
- deny you access to our website or services
- take legal action against you
- inform the appropriate authorities and regulatory bodies of your actions

c) If you enter information on our website or provide us with information about yourself, you must ensure it is accurate, true and belongs to you. That information will be stored and processed in accordance with our privacy policy .

7. Indemnity, Disclaimer, Warranties & Liability

a) By using our website and services, you agree to indemnify us and undertake to keep us indemnified against any losses, damages, costs, liabilities and expenses (including without limitation legal expenses and any amounts paid by us to a third party in settlement of a claim or dispute on the advice of our legal advisers) incurred or suffered by us arising out of any breach by you of any provision of these terms and conditions.

b) Nothing in these terms and conditions will limit any of our or your liabilities:
- for death or personal injury resulting from negligence
- for fraud or fraudulent misrepresentation
- in any way that is not permitted under applicable law

Nothing in these terms and conditions will exclude any of our or your liabilities that may not be excluded under applicable law.

c) The limitations and exclusions of liability set out in this section and elsewhere in these terms and conditions:
- are subject to the preceding section 7b)
- and govern all liabilities arising under the terms and conditions or in relation to the subject matter of the terms and conditions, including obligations arising in contract, in tort (including negligence) and for breach of statutory duty.

d) We will not be liable to you for any loss or damages of any nature due to or in connection with our website or services or your use of our website or services.

e) We cannot be liable to you for any loss or damages of any nature due to any event or events beyond our reasonable control.

f) We will not be liable to you for any business losses, including (without limitation) to loss of or damage to profits, income, revenue, use, production, anticipated savings, business, contracts, commercial opportunities or goodwill.

g) We will not be liable to you for any loss or corruption of data, database(s) or software(s) or in respect of any special, indirect or consequential loss or damage.

h) We do not give any guarantee that:

- you will always have access to our website or services
- access to our website or services will be uninterrupted
- our website and services will be free from errors
- our website and services will be free from viruses or anything else that may be considered harmful.

It is your responsibility to put the necessary safeguards in place to protect yourself and your technology.

8. Severability

a) If any provision of these Terms & Conditions is held to be unlawful or invalid or unenforceable, that provision shall be deemed deleted. The validity and enforceability of the remaining provisions shall not be affected.

b) These Terms & Conditions, together with the MustCompare Privacy Policy and Cookie Policy, amount to the entire agreement between you and MustCompare and supersedes any prior agreements.

c) No failure or delay by us in exercising any right under these Terms & Conditions will operate as a waiver of that right, nor will any single or partial exercise by us of any right preclude any further use of any right.

d) These Terms & Conditions shall be governed and interpreted in all respects, in accordance with the laws of England and Wales.

9. Contacting us

If you have any queries relating to these Terms & Conditions, or any other questions, you can contact us by post to MustCompare,14th Floor, 33 Cavendish Square, London, W1G 0PW, United Kingdom, or by email: [email protected].

If you are dissatisfied with or have a complaint about our website or our service, you can contact us by post to MustCompare Complaints,14th Floor, 33 Cavendish Square, London, W1G 0PW, United Kingdom, or by email: [email protected]. We will respond to and process your complaint in accordance with our complaints procedure