Terms & Conditions of Use

  1. Introduction
  2. What we do
  3. What we don’t do
  4. Privacy Policy
  5. Links
  6. Our content
  7. Your content
  8. Chat Forum/ Chat Software / Message Boards / Comments / Social Media / Comms with other users
  9. Downloading Guides & Personalised Tools
  10. Disclaimer of warranties and liability
  11. Indemnity
  12. Subscription Services
  13. Subscription Upgrades & Cancellations
  14. Subscription Termination
  15. Registration
  16. Membership Obligations
  17. General
  18. Changes
  19. Contact us

1. Introduction

1.1 These are the Terms and Conditions of Use (“Terms”) for MoneytotheMasses.com and its related channels and applications which are owned and operated by Leadenhall Learning Limited (‘we’, ‘us’ or ‘our’) and was founded by personal finance expert Damien Fahy.

1.2 The Site is provided to you free of charge for your personal use, subject to these Terms and our Privacy Policy. PLEASE READ THESE TERMS AND CONDITIONS OF USE (“Terms”) AND PRIVACY POLICY BEFORE USING OUR SITE. By using our site you are agreeing to be bound by these Terms and our Privacy Policy. If you don't agree to these Terms or our Privacy Policy, you should stop using and accessing the Site and its associated channels, services and applications. If you breach any of these Terms, your right to access and use the Site will cease immediately.

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. If there is anything you do not understand, or you have a query, please feel free to email us at [email protected]

2. What we do

Our Site is all about sharing information related to personal finance. We provide regularly updated general information, articles, tools and services with our views on personal finance. After each article you may find a comment box, plus chat discussion forums on our Facebook & LinkedIn pages. The information that you read on this Site is a great starting point for your further research into your personal finance and investing requirements.

3. What we don’t do

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. If we mention companies on our Site, we usually do so because they are relevant to the topic being discussed. As general policy we don't vet them on past performance, customer service or investigate their solvency (how likely they are to go bust). 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 channels 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.

Funds invest in shares, bonds, and other financial instruments and are by their nature speculative and can be volatile. You should never invest more than you can safely afford to lose. The value of your investment can go down as well as up so you may get back less than you originally invested. Tax rules can change and benefits depend on individual circumstances.

Information provided by MoneytotheMasses.com and 80-20 Investor is for general information only and not intended to be relied upon by readers in making (or not making) specific investment decisions.

Appropriate independent advice should be obtained before making any such decisions. Leadenhall Learning (owner of MoneytotheMasses.com and 80-20 Investor) and its staff do not accept liability for any loss suffered by readers as a result of any such decisions.

4. Privacy Policy

We take your privacy seriously. Please read our Privacy Policy to see how we manage the information you share with us.

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 policies, not ours, so please read the privacy policies of each and every such website before using them.

5.3 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 or service 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.

5.4 Some links will take you to the sites of insurers, insurance intermediaries, mortgage brokers, investment managers, comparison sites. Pages with such links are not hosted by MoneytotheMasses.com

Links from your website

5.5 You are only permitted to link to our Site with our prior written consent provided you:

5.5.1. comply with these Terms and all applicable laws;

5.5.2. do not use any of our trade marks or logos;

5.5.3. link only to those pages (including our homepage, where relevant) we have given you our permission to link to;

5.5.4. do not in any way imply that we are endorsing you, your website, or its products or services;

5.5.5. do not misrepresent your relationship with us or present false information about us;

5.5.6. do not infringe any intellectual property or other rights of any person or otherwise breach all relevant laws and regulations;

5.5.7. do not have content in your website that could be considered distasteful or offensive.

If you breach these terms, 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 English and international copyright laws.

6.2 Our content includes any information or other material found on MoneytotheMasses.com, including, comments, articles, tools, services, data, 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. In consideration for the rights that we have granted you under these terms of use, you permit us to provide advertising and other information to you, including permitting our third party affiliates to do the same.

6.3 The trade marks, ‘MoneytotheMasses.com’ together with “80-20-Investor” and “80-20Investor.com” are owned by Leadenhall Learning Limited. All other brand names and trade marks that appear on this site are trade marks 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

7.1 Where you are invited to submit any contribution to MoneytotheMasses.com (including any text, photographs, graphics, video or audio) you agree, by submitting your contribution, to grant MoneytotheMasses.com and Leadenhall Learning a royalty-free, non-exclusive, sub-licenceable right and license to use, reproduce, modify, adapt, publish, translate, create derivative works from, distribute, perform, play, make available to the public, and exercise all copyright and publicity rights with respect to your contribution worldwide and/or to incorporate your contribution in other works in any media now known or later developed for the full term of any rights that may exist in your contribution, and in accordance with privacy restrictions set out in the MoneytotheMasses.com Privacy Policy

7.2. We, or authorised third parties, reserve the right to cut, crop, edit or refuse to publish your content at our or their sole discretion. We may remove your content from use at any time. You acknowledge and accept that the technical requirements of our Site may result in changes to your content to conform with it. We take no responsibility for the deletion or failure to store postings of user content submitted by you or other Site users.

7.3. If you're aged under 16 you confirm you have the permission of your parent or guardian to submit content to us.

8. Chat Forum/ Chat Software / Message Boards / Comments / Social Media / Comms with other users

8.1 We encourage debate and the sharing of information between our users. However, we do require that your use of our chat forums, chat software, social media and any other communication systems that we provide is lawful and in accordance with these Terms and Conditions of Use.

8.2 You may not use the chat forums, social media or any of our communication systems for any illegal purpose and in particular you may not:

8.2.1 post or transmit material that infringes the intellectual property rights of others or post or transmit any material that contains extremist views, appears to incite or promote terrorist activities, is unlawful, obscene, libellous, threatening, harassing, abusive, hateful, or embarrassing to any other person as determined by us in our sole discretion;

8.2.2 post or transmit advertisements for or solicitations of business (whether openly, or under the false guise of an unconnected party);

8.2.3 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;

8.2.4 post or transmit chain letters or pyramid schemes;

8.2.5 impersonate another person;

8.2.6 disguise the IP address of the connection used to post any message;

8.2.7 post or transmit any files containing viruses or other harmful computer code;

8.2.8 harvest or otherwise collect or use information about others, including e-mail addresses, without their explicit consent;

8.2.9 allow any other person or entity to use your identification for posting or viewing comments or for communicating with other users;

8.2.10 post the same note more than once or “spam”;

8.2.11 knowingly post untrue information about another person or business with the intention of harming their reputation or livelihood;

8.2.12 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.

8.2.13 intentionally make false or misleading statements about investments, their price or their prospects. If you do, you may be committing a criminal offence.

8.2.14 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.

8.2.15 give investment advice by way of business or make financial promotions.

8.3 Please note that any posting of information in the chat forums, social media or any of our communications systems is the opinion of the person posting only and in no way reflects our opinions or attitudes. You must remember that sometimes messages posted by other users may be 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.

8.4 We do not monitor the use of the chat forums, social media or communication systems, so we do rely on you to inform us of 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, social media or via our communication systems that we operate or if you believe any infringement of your rights may have occurred through our site please contact us at [email protected]

8.5 We reserve the right (but we are not obliged) to do any or all of the following:

8.5.1 record the communications in chat forums, social media and communication systems.

8.5.2 investigate a claim that any one or more communications does not conform to the terms of this clause 8 and determine in our sole discretion to remove or request the removal of the communication(s).

8.5.3 remove without notice communications which are abusive, illegal, or disruptive, or that otherwise fail to conform with these Terms.

8.5.4 terminate a user’s access to post messages to any or all of these areas

8.5.5 monitor, edit, or disclose any communication in these areas.

8.5.6 edit or remove any communication(s) posted on our website, regardless of whether such communication(s) breaches these Terms.

8.6 If you disagree with a decision of a site member, you should email your appeal to [email protected]. You must not use the chat forum, social media or any communications system to argue any decision of our team.

8.7 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.

8.8 If you are notified that your posting privileges have been suspended or terminated, you will not attempt to register again as a user of the chat forums or make any posts on it in any guise whatsoever.

8.9 When former users whose posting privileges have been removed do register again 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:

8.9.1 Report offenders to their ISP

8.9.2 Charge offenders for the administrative costs of identifying and removing their posts at the rate of £50 per hour necessarily spent plus any external costs that we incur.

8.9.3 Take legal action to recover these costs.

8.9.4 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.

9. Downloading Guides & Personalised Tools

9.1 When may collect personal information when you request to download a guide via a form on our Site. We may use this information to contact you to let you know about any of our products, services or promotions (which, in some cases may be provided by third parties) but only according to the permissions that you consent to when submitting your details to receive the guide as outlined below. For full details on how your personal information is collected, stored and used please read our Privacy Policy

10. Disclaimer of warranties and liability

10.1 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.

10.2 Before you apply for any products via our Site, associated channels, tooles and services, it is very important you (i) carefully read the terms and conditions of the product, the product provider’s terms and conditions and any other terms applicable to the product; (ii) check all the information held by the product provider about you to ensure it is correct, complete and accurate. It is your responsibility to (i) ensure the product matches your requirements and that you agree to the terms and conditions of the product before you apply for it; and (ii) identify and correct any mistakes or errors in the information about you held by the product provider before you apply for any product. We cannot accept any liability for any loss or damage you may suffer or incur: (i) in the event that any product you apply for does not meet your requirements, or is not suitable for you; or (ii) if any information about you held by the product provider is not correct, complete and accurate; or (iii) if it is misleading, or if you have failed to disclose all relevant facts. If you are in any doubt as to whether any information is relevant or required to be disclosed, or that something may be incorrect, you should disclose it to your proposed provider before you apply for the product.

10.3 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.


10.5 You assume sole responsibility for results obtained from the using our Site, associated channels, services and communications and for conclusions drawn from such use or from any decisions made or not made as a result of any conclusions drawn. We shall have no liability for any damages, loss or injury caused by any action that you or others take or don’t take based on your use of or reliance on information provided by us. We shall also have no liability for any damages, loss or injury caused by errors or omissions in any information provided or any actions taken by the us at your direction.

11. Indemnity

11.1 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 Site, chat forums, social media or via our communication 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.

12. Subscription Services

12.1 We provide our users whether as a member or visitor, with a variety of services. To benefit fully from our services you will need to register with one of our membership levels as not all aspects of our services are made available to visitors. To benefit fully from our services, we may occasionally require you to download our content and/or call our service providers. If there are charges associated to any of these services, we will make it clear before you incur any such charges and you will be responsible for any charges incurred from that point on.

The following terms also apply to all visitors who choose to become a member and purchase access to our subscriber only services.

12.2 Brief description

12.2.1 Monthly Member includes access to the 80-20 Investor service billed on a rolling monthly basis.

12.2.2 Annual Member includes access to 80-20 Investor service billed on a rolling annual basis.

12.2.3 Two Years Member includes access to the 80-20 Investor service billed on a rolling biennial basis.

12.3 How do I become a member?

12.3.1 80-20 Investor is accessible outside of the UK however for EU VAT tax purposes all members must based in the UK with a UK billing address. We reserve the right to exclude certain territories from time to time.

12.3.2 You must be 18 or older and have the power to enter into a contract with us and are not prevented from doing so under any local laws. In addition, by registering to become a member, you agree that you have given us accurate registration details, including payment information and will ensure that we always have up to date contact information as and when they change.

12.3.3 This is an instant access service. By purchasing this membership you agree your access will start immediately. Please see Subscription Cancellation Terms for your cancellation rights.

12.4 How long is my membership?

12.4.1 The length of your membership will depend on whether you have taken out either our Monthly, Annual or Two Year Membership.

If you are registering for:

  • the Monthly membership you will be placed on a rolling monthly contract. This will mean that your minimum contract term will be 1 month from your membership start date; or
  • the Annual membership you will be placed on a rolling annual contract. This will mean that your minimum contract term will be 12 months from your membership start date; or
  • the Two Year membership you will be placed on a rolling two year contract. This will mean that your minimum contract term will be 24 months from your membership start date
  • If you have taken out membership through a trial offer, your membership will be for the initial trial period offered and following that trial period, you will be placed on a rolling monthly/annual/ two year contract, depending on the subscription level you have chosen.

12.5 What does my membership cost?

Unless otherwise specified through an offer, the individual prices for membership levels are as follows:

12.5.1 The Monthly membership will cost you £25 a month

12.5.2 The Annual membership will cost you £204 a year

12.5.3 The Two Year membership will cost you £288 every two years

12.5.3 If you are taking out membership through a trial offer. The cost of the trial offer for the trial period, if any cost at all, will be made known to you before you complete registration to the trial offer. Following the trial offer period, your membership will continue on rolling monthly,  annual or biennial basis and you will be charged at the then current standard monthly, annual or biennial rate of membership applicable to that trial offer (this amount will be notified to you in advance).

12.5.4 Payment can be made via PayPal and by all major credit and debit cards via the PayPal service. Where relevant, currency conversion values may fluctuate and conversion fees may be charged by your bank. Unless otherwise stated, the savings calculation stated is relevant to the specified membership and is either based upon saving made per month against cover price or against the standard rate (as may be applicable).

12.5.5 We reserve the right to change the monthly, annual or two year membership price and/or benefits with 30 days notice and affected members may terminate their pack within this notice period.

12.6 How can we change these terms?

12.6.1 At any time, we may amend these terms to ensure that we remain compliant with relevant laws and regulations and to ensure that we are constantly improving your membership experience. If we make any important changes to the membership terms we will notify you and make it clear what changes are made.

12.6.2 If you become a member you acknowledge and accept that you consent to us notifying you of any changes to our terms via electronic form (e.g. email).

12.7 What do I need (devices and hardware)

12.7.1 To benefit fully from all our services, you will need one or more of the following:

12.7.2. Desktop or laptop computer

12.7.3. Android supported smartphones and/or tablet devices (e.g. Nexus, HTC and Galaxy devices);

12.7.4 Windows supported smartphones and / or tablet device

12.7.4 Apple iOS supported smartphones and/or tablet devices (e.g. iPhone and iPad); and/or

12.7.5 Kindle and Kindle Fire devices.

12.8 What happens if I default on a payment?

12.8.1 If you default on any payment, we may take whatever action necessary to recover our losses, including the following:

  • termination of your membership;
  • charge you for any outstanding amount remaining on the unexpired portion of your minimum membership term (subject to your membership and/or offer terms); or
  • send your details to third party debt collectors.

12.8.2 If your membership has been terminated and you would like to re-subscribe to one of our membership levels, we have the right to pursue payment of any outstanding amount owed to us and your terms of membership may change.

12.9 How do I make a complaint?

12.9.1 If you would like to get in touch with us to make a complaint, please

email us on support@MoneytotheMasses.com

12.10 Anything else I should know

12.10.1 Each subscription is for a single user only. Members found to be sharing their login details with multiple persons will have their membership terminated immediately and will not receive any refund for the unused portion of their membership contract.

12.10.2 We may at any time and at our sole discretion, terminate your membership with us, whether through an offer or not.

12.10.3 We may screen your name and address against credit reference and fraud prevention databases when we decide whether or not to accept your application for membership.  By providing us with your details, you confirm that we may carry out these checks. If we do not accept your application for membership, we will terminate your membership and reimburse any payment that you have made.

12.10.4 If you are found to be abusing the terms of this offer, we have the right to suspend and/or terminate your membership and/or offer agreement with us immediately and you will not receive any refund for the unused portion of their membership contract.

12.10.5 Our membership packs are subject to English law and to the exclusive jurisdiction of the English courts.

12.10.6 Your membership is with Leadenhall Learning Limited (whose registered office is at 111 Darland Avenue, Gillingham, ME7 3AH).

13. Subscription Upgrades & Cancellations

13.1 To upgrade your account simply access your "My Account" page and select the plan that you wish to change to. The upgrade will come into effect when your next payment is due.

13.2 To cancel your account simply access your "My Account" page and select the "Cancel My Subscription" button. Please note the following cancellation terms apply:

13.2.1 Free Trial - after cancelling your membership during your 30 day free trial you will continue to enjoy access to the 80-20 Investor service for the remainder of your free trial. No money will be taken once you reach the end of your free trial at which point you will no longer have access to membership services that require payment. If you cancel your free trial but change your mind before the end of the free trial you can re-join by following the upgrade procedure outlined above. Please note if you cancel your free trial and subsequently decide to sign up to 80-20 Investor again your first payment will be taken immediately.

13.2.2 Monthly - after cancelling your monthly membership you will continue to enjoy access to the 80-20 Investor service for the remainder of the month in which you cancelled your subscription. No money will be taken the following month and you will no longer have access to membership services that require payment beyond the date that your next payment would have been due.

13.2.3 Annual & Two Year memberships - after cancelling your annual or two-year membership you will continue to enjoy access to the 80-20 Investor service for the remainder of your agreed minimum term. No money will be taken when your membership level is set to renew and you will no longer have access to membership services that require payment beyond that date.

13.3 To re-join after previously cancelling your account simply login and access your "My Account" page and select the plan that you wish to sign up for. As you will have already had a free trial in the past your first payment will be taken immediately.

14. Subscription Termination

14.1 We are entitled to terminate your subscription at any time without notice. Provided you have not breached these terms and conditions, if we terminate a paid subscription we will refund the unused portion of your subscription based on the number of days left of your agreed minimum contract term x £0.83.

15. Registration

15.1 If you wish to have access to members-only services and unrestricted access to the member-only content of the website, you will need to subscribe to a membership level with us. When you subscribe you will be required to provide certain personal information. That information must be true, accurate, correct and complete, and you must notify us immediately of any changes to that information. For full details on how your personal information is collected, stored and used please read our Privacy Policy.

15.2 You agree that you will not impersonate any other person or entity or use a false name or a name that you are not authorised to use. You also agree not to disclose your password or username to any other person, or allow your password or username to be used by any other person to access the Services.

15.3 Leadenhall Learning Limited, MoneytotheMasses.com and 80-20 Investor do not permit any other person sharing your user name or access through a single user name being made available to multiple users on a network or within an organisation.

15.4 We reserve the right to decline any application from you to subscribe as a user of the Services. If you are accepted you will be able to choose a username and password. If you are allowed to select a username, we reserve the right to modify it or provide you with a user name of our choice if, in our sole opinion, such user name infringes or violates the rights of any person or third party or is defamatory, offensive or is in any other way improper or inappropriate.

15.5 We reserve the right to terminate your access to the Services (including subscription services) if any information you provide is untrue, inaccurate, out-of-date or incomplete, or if we believe that you have breached these terms and conditions.

15.6 You will not use MoneytotheMasses.com or 80-20 Investor if you are under 18 years old.

16. Membership Obligations

16.1 Your member account may only be used by you and you are not permitted to share your account with any third party.

16.2 Members have sole responsibility for safeguarding their password and any other credentials and data used to access their member account services. This  obligation  and  responsibility  is maintained irrespective of any access exercised by the you in a public Wi-Fi area.  You are reminded  of  the  inherent  risks  in  such  public  areas  to  the security of any password/other credentials, as well as any data used in accessing the Account and the Services.

16.3 You shall ensure that its password is changed frequently and in any event not less than every six months, and shall use a unique password of suitable strength that you do not use anywhere else or for any other purpose.

16.4 You have sole responsibility for any activity occurring within your account, whether or not you authorised that activity.

16.5 You must undertake to notify MoneytotheMasses.com immediately on being made aware of any unauthorised access to your membership account.

16.6 You shall use your best endeavours to keep your own credentials, details and data (including email addresses, contact details and payment details) accurate and up-to-date.

17. General

17.1 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.

17.2 This Site is directed to users in England and Wales only unless otherwise specified for specific items posted on this Site.

17.3 These Terms shall be governed by the laws of England and any dispute between us will be resolved exclusively in the Courts of England.

18. Changes

18.1 These Terms were published on 11th May 2018 and replace any previous versions with immediate effect.

19. Contact us

This site is owned and operated by 
Leadenhall Learning Limited.

If you have any questions about our site or these Terms and Conditions, please contact us by emailing [email protected] or by post at the following address:

Money to the Masses, Excel House, Homesdale Road Bromley, BR2 9LE

Effective as of: 11 May 2018