Terms and Conditions of Use of the walletwatcher.com website These terms and conditions detail how the walletwatcher.com website (the "Website") can be used. If you use the Website you agree to be bound by these terms and conditions. 1. Our service Walletwater.com is a free to use site that can be used as a tool for keeping records of transactions made while tracking actual transactions against budgets. Walletwatcher.com holds no liability for the way in which the user controls or budgets their finances (as stated in section 4). You acknowledge and agree that when you access and collect information from the third party sites using our software, you do so on your own behalf and that you have not appointed us to act as your agent. We simply make our service and software available to you by which you may access such third party sites. 2. Access We will endeavour to allow uninterrupted access to the Website, but access to the Website may be suspended, restricted or terminated at any time. We reserve the right to change, modify, substitute, suspend or remove without notice any information or service on the Website from time to time. We assume no responsibility for the content or services of any other websites to or from which the Website has links. 3. Intellectual Property The copyright and all other intellectual property rights in the material contained in the Website, together with the website design, text and graphics, and their selection and arrangement, and all software compilations, underlying source code and software (including applets) belongs to walletwatcher.com. All rights are reserved. None of this material may be reproduced or redistributed without our prior written permission. You may, however, download or print a single copy for your own non-commercial off-line viewing. All rights in walletwatcher.com are owned by walletwatcher.com Partnership. Other product and company names mentioned on this Website are the trademarks or registered trademarks of their respective owners. You shall retain ownership of the data you submit to the Website. You grant us a world-wide, royalty-free, non-terminable licence to use, keep, share, save, collect, copy, distribute, publish and transmit such data in any manner. 4. Disclaimer Nothing within the Website is, or shall be deemed to constitute, financial or other advice or a recommendation to purchase any product or service. This website should be used as a tool to record your financial behaviour in order for you to make your own recommendations as to how your finances are controlled. Any and all information provided within the Website is for general information purposes only. We strongly recommend that independent professional advice is obtained before you purchase any product and/or service via the Website and we (walletwatcher.com Partnership) hold no liability for financial difficulties or debt of any user of walletwatcher.com. 5. Exclusions of liability We use reasonable endeavours to ensure that the data on the Website is accurate and to correct any errors or omissions as soon as practicable after being notified of them. However, we do not guarantee that the Website will be fault free and we do not accept liability for any errors or omissions. We do not monitor, verify or endorse information submitted by us or third party providers for inclusion on the Website and you should be aware that such information may be inaccurate, incomplete or out of date. We do not give any warranty that the Website is free from viruses or anything else which may have a harmful effect on any technology. Due to the nature of electronic transmission of data over the internet, we hold no liability for any losses or claims arising from an inability to access the Website. 6. Exclusion of liability for third party providers' products and services We do not have control over any third parties on this site. You should satisfy yourself that you wish to purchase those products or services before contracting with the third parties by way of agreeing to the third parties terms and conditions before making an application for financial services products or purchasing other services. As you view the Website there may be references to specific terms and conditions which apply to certain products or services. In such circumstances, it is your responsibility to refer to such terms and conditions applicable to those offers. 7. Advertisements The advertisements that you see displayed on this website are delivered on our behalf by a third party advertising company. No personal data for example your name, address, email address or telephone number are used during the course of serving our advertising. 8. Your obligations You warrant that you have taken all reasonable precautions to ensure that any data you submit to the Website is true and accurate and free from viruses and anything else which may have a contaminating or destructive effect on any part of the Website or any other technology. You acknowledge and agree that you may be required to complete a registration process. This includes the creation of a password in order for you to access your walletwatcher.com account. If you are deemed to be using the site for purposes other than personal use or you are abusing the service we will make a log of any information you pass us and delete your account. Persistent offenders may be reported to the authorities. 9. Complaints If you are unhappy with our service for any reason, please contact our Customer Services Team by email at complaints@walletwatcher.com We can not guarantee acknowledgement of receipt of your complaint. 10. Data protection Walletwatcher.com care about the privacy of our users and will not give out Email addresses of any of our users to third parties. The information you give us such as age, gender, country location and state/county will only be used to help us build up a demographic of our users and the information collected may be given to third parties to use for statistical purposes. Walletwatcher.com will not pass on any personal details that identify you as an individual such as your name or email address to third parties. 11. Termination We may terminate or suspend your access to the Website and the services within it at any time. 12. General The content of this Website is directed solely at those who access the site from the United Kingdom. We make no representation that any product or service referred to in this Website is available or otherwise suitable for use outside of the United Kingdom. The Website is for your non-commercial, personal use only and must not be used for business purposes. If any provision of this agreement is held to be unlawful, invalid or unenforceable, that provision shall be deemed severed and where capable the validity and enforceability of the remaining provisions of this agreement shall not be affected. We may modify these terms and conditions at any time. Your continued use of the Website signifies your acceptance of such modifications. Except as set out below in this clause, neither party may assign or transfer any of its rights under these terms and conditions without the prior written consent of the other. 13. Governing law These terms and conditions are governed by and construed in accordance with English law. Any disputes shall be subject to the exclusive jurisdiction of the English courts, to which each party submits.