These terms and conditions (“Terms”) apply to all and any use of the website.

By using this website you agree to be bound by these Terms.

If you do not accept these Terms you should not use the Website.

The website offers a generic information service whereby information is sourced and collected from third parties and presented to you either as received by us or as a reasonable likeness of the original data. By using this site you accept that TheWalletDoctor.com accepts no liability for decisions or reliance placed on this information or the accuracy of this information.

By using the Website you undertake that you are over 18 years of age.

TheWalletDoctor.com may make alterations to these terms and conditions from time to time at their own discretion and without notice.

By using this website you undertake that you have the necessary hardware, software and capability required for email and web usage with all and necessary adequate protections in place.

By using this website you accept that any material on this site is not intended to be financial advice on which reliance is placed and should be treated as such and that any information on this website is the opinion of the author and therefore should not be treated as professional financial advice or fact.

Our Liability

The material displayed on our site, is provided without any guarantees, conditions or warranties as to its accuracy. To the extent permitted by law, we, other members of our group of Companies and third parties connected to us hereby exclude:

• All conditions, warranties and other terms which might otherwise be implied by statute, common law or law of equity.
• Any liability for any direct, indirect or consequential loss or damage incurred by any user in connection with our site or in connection with the use, inability to use or results of the use of our site, any websites linked to it and any materials posted on it, including, without limitation liability for:
• Loss of profits or contracts;
• Loss of income or revenue:
• Loss of business:
• Loss of anticipated savings;
• Loss of goodwill;
• Loss of data;
• Wasted management or office time; and
• For any other loss or damage of any kind, howsoever arising and whether caused by torte (including negligence), breach of contract or otherwise, even if foreseeable. This does not affect our liability for death or personal injury arising from our negligence, nor our liability for fraudulent misrepresentation or misrepresentation as to a fundamental matter, nor any other liability which cannot be excluded or limited under applicable law.

Links

Our site does include details on, or links through to, information provided by other websites. We don’t control the accuracy or completeness of that information. You take full responsibility for using that information and verifying it and for any decision to use, purchase or refrain from purchasing any of the services or products mentioned on a linked site. If you do purchase products or services from another website please read their contract carefully before deciding to buy. Remember, your contract for those products or services will be with them, not us.

When you use other websites, any personal information you give them will be dealt with in line with their privacy policies, not ours, so please read the privacy policies of each and every such website before using them!

Some of the links included on our site are affiliated links. These are links which take you directly or indirectly to a financial product provider and which may result in us receiving a fee or commission as a consequence of you clicking through to their site or purchasing a product from them. However, our independence is paramount to us and our selection of links is not influenced by any fee/commission received by financial providers.

The affiliate links look and work in the same way as normal links, but if someone clicks through, the link is tracked and may generate a payment to the website. The details vary – sometimes the payment’s per click, per user, per application, per accepted application or any combination.

Certain links in the forum posted by users have a software called “Skimlinks” added. This simply tracks the link to this website. These look and work in the same way as normal links. If someone clicks through, the link is tracked and it may generate a payment to the website.

We only use affiliate links that give you an identical (or better) deal than going direct.

We don’t track individuals’ data (unless we’ve asked you, where it’s necessary for a specific service). Nor will we ever sell it to third parties without the individual user’s permission. For example, on our Debt Management, IVA and Bankruptcy sections, as well as some selected articles, you will see a form asking if you need to speak to a specialist regarding your financial situation. As is noted at the bottom of each form, your submission of this data is interpreted as your permission for us to pass that information to a fully qualified third party so that they can help you.

Services

TheWalletDoctor.com do not provide any financial services, including but not limited to: debt counselling, credit repair or insolvency (bankruptcy/IVA) services. We act as an intermediary by passing your details, with your permission, to a certified company that specialises in that area.