1.1 Welcome to MoneytotheMasses.com. This site is owned and operated by MoneytotheMasses.com (“we”, “us” or “our”) and it’s the place where Damien Fahy discusses personal finance and related issues
1.2 PLEASE READ THESE TERMS AND CONDITIONS OF USE (“Terms”) BEFORE USING OUR SITE. By using our site you are agreeing to be bound by these Terms. If you don’t wish to be bound by what you read below, you shouldn’t use MoneytotheMasses.com
1.3 We may make changes to these Terms at any time. We will let you know what these changes are by posting them to this page, but it is your responsibility as a user to make sure that you are aware of them, by checking for any changes on a regular basis. Changes will become effective as soon as they are posted. If you continue to use our site after the posting of changes to these Terms, it means that you accept any such changes.
2. What we do
2.1 We provide regularly updated information and articles with our views on personal finance and other finance related subjects. After each article you’ll find you find a comment box – plus chat discussion forums on our Facebook & LinkedIn pages. The information that you read on this site is a great resource and starting point your further research into your personal finance requirements.
3. What we don’t do
3.1 The information we provide does not address your individual requirements. In particular, our information does not constitute any form of advice, recommendation, representation, endorsement or arrangement by us and is not intended to be relied upon by you in making (or refraining from making) any specific investment or other decisions. Given that the impact of any information expressed on our site can vary widely based on your particular circumstances, you should always carry out your own research into the product that is of interest to you.
The material on this site and associated fan pages is for general information only and does not constitute investment, tax, legal or other form of advice. You should not rely on this information to make (or refrain from making) any decisions. Always obtain independent, professional advice for your own particular situation.
5.1 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.
5.2 When you use other websites, any personal information you give them will be dealt with in line with their privacy polices, not ours, so please read the privacy policies of each and every such website before using them!
5.3 All advertisemnts and 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.
5.4 Some links will take you to the sites of insurers or insurance intermediaries. Pages with such links are not hosted by MoneytotheMasses.com
5.5 You are welcome to link to our site if you comply with the terms set out in this section and all applicable laws. Any site or service that links to our site:
5.5.1 can display a MoneytotheMasses.com logo but mustn’t otherwise use any MoneytotheMasses.com trade marks without our written consent;
5.5.2 mustn’t remove, distort or otherwise alter the size or appearance of our logo;
5.5.3 may link only to our homepage unless we have given you our prior written consent;
5.5.4 mustn’t in any way imply that we are endorsing it or its products or services;
5.5.5 mustn’t misrepresent its relationship with us or present false information about us;
5.5.6 mustn’t be a site or service that infringes any intellectual property or other right of any person or that otherwise does not comply with all relevant laws and regulations;
5.5.7 mustn’t be a site or service that contains content that could be considered distasteful or offensive.
If you breach these terms, then we have the right to require that your link is removed and to take whatever other action we think appropriate.
6. Our content
6.1 All of the content on our site is owned by us or our licensors and is protected by UK and international copyright laws.
6.2 The content on our site includes any information or other material found on MoneytotheMasses.com, including chat forums, comments, articles, databases, graphics, software and all other features of our site. You are allowed to use our content for personal, non-commercial use only. You may make one copy of extracts from this site on any single computer for personal, individual use only, provided that all copyright and proprietary notices are kept intact. Apart from that, none of our content may be republished, posted, transmitted, stored, sold, distributed or modified without our prior written consent.
6.3 The trade marks, ‘Money to the Masses’, ‘Mon£¥ to th£ Ma$$€$’ and ‘MoneytotheMasses.com’ together with are owned by Leadenhall Learning . All other brand names and trade marks that appear on this site are trademarks or trade names of their respective holders. No permission is given in respect of the use of any of these brands or marks and any such use may constitute an infringement of the holder’s rights.
7. Your content
8. Disclaimer of warranties and liability
8.1 We provide our site in good faith but we can’t and don’t warrant the completeness, truth or accuracy of the information or other content or postings found on our site, or their usefulness for any particular purpose. You acknowledge and agree that you bear full responsibility for your own Personal Finance research and decisions and that we shall not be liable for any action that you or others take or don’t take based on your use of or reliance on information provided by us or other users of this Site.
8.2 We don’t promise that your access to our site, or its content will be delivered uninterrupted, timely or error-free, or that the site will be free from viruses or other harmful properties. It is your responsibility to implement satisfactory safeguards and procedures to make sure any files you obtain through our site are free from such contaminations or other harmful properties.
8.3 The effect of what is set out here is that you agree that under no circumstances will we be held liable for any direct, indirect, incidental or other type loss or injury resulting from your use, or downloading of any content on our site.
9. Chat Forum/Message Board/Comms with other users
9.1 We encourage debate and the sharing of information between our users. However, we do require that your use of our chat forums and any other communication systems that we provide is lawful.
9.2 You may not use the chat forums or any of our comms systems for any illegal purpose and in particular you will not:
9.2.1 post or transmit material that infringes the intellectual property rights or other rights of others or post or transmit any material that is unlawful, obscene, defamatory, threatening, harassing, abusive, hateful, or embarrassing to any other person as determined by us in our sole discretion;
9.2.2 post or transmit advertisements for or solicitations of business;
9.2.3 after receiving a warning, continue to disrupt the normal flow of dialogue, or post or transmit comments that are not related to the topic being discussed;
9.2.4 post or transmit chain letters or pyramid schemes;
9.2.5 impersonate another person;
9.2.6 disguise the IP address of the connection used to post any message;
9.2.7 post or transmit any files containing viruses or other harmful computer code;
9.2.8 harvest or otherwise collect or use information about others, including e-mail addresses, without their explicit consent;
9.2.9 allow any other person or entity to use your identification for posting or viewing comments or for communicating with other users;
9.2.10 post the same note more than once or “spam”; or
9.2.11 engage in any other conduct that restricts or inhibits any other person from using or enjoying these areas of our site, or which, in our judgment, exposes us to any liability or detriment of any type.
9.2.12 intentionally make false or misleading statements about investments, their price or their prospects. If you do, you may be committing a criminal offence.
9.2.13 post either intentionally or otherwise, any material that could have the effect of manipulating the market value of any investment. This may be a criminal offence.
9.2.14 give investment advice by way of business or make financial promotions.
9.3 Please note that any posting of information in these forums is the opinion of the person posting only and in no way reflects our opinions or attitudes. Although we believe we have an amazing chat forum with a huge wealth of information of benefit to many users, you must remember that we operate an open forum and sometimes messages are posted that are misleading, deceptive, or downright wrong. You should not therefore rely on information being accurate or complete. If you do, you do so at your own risk.
9.4 We don’t monitor the use of the chat forums or our comms systems, so we do rely on you to inform us if you spot any abuse or inappropriate behaviour, in which case we will review specific postings. If you feel you have been threatened, damaged or abused in our chat forums or via our comms systems that we operate or if you believe any infringement of your rights may have occurred through our site please contact us at firstname.lastname@example.org
9.5 We reserve the right (but we are not obliged) to do any or all of the following:
9.5.1 record the communications in chat forums and comms systems.
9.5.2 investigate a claim that any one or more communication does not conform to the terms of this clause 9 and determine in our sole discretion to remove or request the removal of the communication(s).
9.5.3 remove without notice communications which are abusive, illegal, or disruptive, or that otherwise fail to conform with these Terms.
9.5.4 terminate a user’s access to post messages to any or all of these areas
9.5.5 monitor, edit, or disclose any communication in these areas.
9.5.6 edit or remove any communication(s) posted on our website, regardless of whether such communication(s) breaches these Terms.
9.6 If you disagree with a decision of a site member, you should email your appeal to email@example.com. You must not use the chat forum to argue any decision of our Forum Team.
9.7 Any decision we make to remove or request the removal of any communication or to terminate or suspend the posting privileges of any user of the chat forms shall be final and binding. The termination or suspension of posting privileges shall apply to any and all user accounts that may have been used by that person, whether or not opened by that person.
9.8 If you are notified that your posting privileges have been suspended or terminated, you will not attempt to reregister as a user of the Chat Forum or make any posts on it in any guise whatsoever.
9.9 When former users whose posting privileges have been removed do reregister or otherwise disrupt the Chat Forum, this spoils the Chat Forum and can cause severe distress or disturbance to other users. Dealing with the unwanted posts of former users distracts us from the core purpose of the site and ties up management and technician time. Therefore in such circumstances we reserve the right to:
9.9.1 Report offenders to their ISP
9.9.2 Charge offenders for the administrative costs of identifying and removing their posts at the rate of £40 per hour necessarily spent plus any external costs that we incur.
9.9.3 Take legal action to recover these costs.
9.9.4 Report offenders to the authorities if their actions appear to amount to a breach of the Computer Misuse Act 1990 or any other relevant criminal legislation.
10.1 You agree to indemnify, defend and hold harmless us, our directors, officers, employees and licensors from and against any claim, liability, cost, damage or loss we may incur (including reasonable legal fees) as a result of any material that you post or transmit on our communication forums or via our comms systems, any actions you take which disrupt access to and/or the functioning of our site or any breach by you of your obligations under these Terms.
11.1 If any of these provisions is deemed invalid, void or unenforceable that provision will be deemed severable from the rest and will not affect the validity and enforceability of any remaining provisions.
11.2 This site is directed to users in England and Wales only unless otherwise specified for specific items posted on this site.
11.3 These Terms shall be governed by the laws of England and any dispute between us will be resolved exclusively in the Courts of England.
12.1 These Terms were published on 14 September 2010 and replace with immediate effect
13. Contact us
This site is owned and operated by
Money to the Masses
If you have any questions about our site or these Terms and Conditions, please contact us by emailing firstname.lastname@example.org
Posted: 14 September 2010