Experian Limited provides comparison services for financial products and a service which enables you to obtain advice or assistance from a third-party adviser. These terms cover your use of Experian’s consumer products, services, and websites. You accept these Terms & Conditions by using the services and/or continuing to use the services after a change to the Terms. We may amend these Terms & Conditions from time to time without notice. You should therefore read them each time you use our services.
If you misuse our services or breach any of these Terms & Conditions, then your right to use the services will cease immediately. By using our services or agreeing to these terms, you agree to our collection and use of your data as described in the Experian Partner Marketplace Services Privacy Policy. If you have any questions about these website comparison services or these terms, please use the relevant contact details set out at the bottom of this page.
We are Experian Limited, a company registered in England and Wales under company registration number 653331. Our registered office is at The Sir John Peace Building, Experian Way, NG2 Business Park, Nottingham, NG80 1ZZ, United Kingdom. We are authorised and regulated by the Financial Conduct Authority (FCA), with reference number 738097.
Our comparison services provided by Experian Limited allow you to research and compare financial products that may be available to you depending on your circumstances. The services are designed to help you make the most of your money, but it is not, and should not be construed as, financial or other professional advice. In our various product comparison journeys, we may feature several providers. We do not recommend one provider over another, and these areas are not intended to be an exhaustive list of all providers of a particular financial product. It is up to you to decide whether what they offer is right for you. If you are at all unsure if a product is right for you, you should seek professional advice.
Our comparison services are free for you to use. We may receive a fee and/or commission from the third-party product provider when you use our services to purchase products or services from them.
Additionally, we may offer services which enables you to obtain advice or assistance from a third-party adviser away from our site (either via a third-party website or over the telephone). We do not charge you any fees for these services. We may receive a fee and/or commission from the third party to whom we refer you.
Experian Limited has no control over the third-party providers listed in our comparison services. So, Experian Limited specifically refuses all liability for any damage or costs of any type arising out of or in any way connected with your use of a provider's service or product included in our comparison services. We recommend that you read and understand any terms and conditions relating to a specific product or service before you enter a contract with your chosen product provider.
The product data and financial technology are from Experian Limited. We make every effort to ensure that the data provided by the services is correct. However, we rely on a wide variety of sources and other websites. We believe these sources of data to be correct and dependable, but sometimes they may not be. Experian Limited makes no claims or representations as to the accuracy, completeness, or truth of any material contained on our sites. Experian Limited is not liable for any errors or delays in the content or transmission of the data on our sites.
Where Experian Limited provides a "whole of market" service, the aim is to provide a fair reflection of the marketplace. It is not always possible to provide data for every product in the market. Certain product characteristics, such as geographic restrictions or unusual features, mean that some products are excluded to prevent confusion.
You are responsible for ensuring the information you provide when using our services is true, accurate and kept up to date.
In this section, 'content' means any information, mode of expression or other material and services found on comparison services websites provided by Experian Limited. This includes information the websites collect, patents, copyright, database rights and trademarks. Except as expressly provided in these Terms & Conditions, all the content on or in the services is the property of Experian Limited or its licensors and is protected by United Kingdom and international copyright laws.
You must not copy, pass on, sell, publish, or make profit from any of the content without first getting our written permission. The content includes several trademarks (including Experian) that are owned by us or our licensors. By making the trademarks available on our websites, we are not giving you any permission to use them. You can view and display the content on a computer screen, print individual pages on paper or make a reasonable number of photocopies (or both) and store the content in electronic form on your computer's hard drive for your personal, non-commercial use only.
We do not guarantee that the content is free from viruses, or that you will always be able to use the websites without any interruption or error. If you download any content to your computer or take the content from our websites in any other way, you do so at your own risk. We will not be responsible for any damage to your computer or any of the information on it. We do not accept any responsibility for any mistakes, errors or other faults on the websites and the content, or for how you use the websites and the content.
Access to our sites and services is allowed on a temporary basis. We reserve the right to withdraw or amend the service we provide without notice. We will not be liable if for any reason our sites or services are unavailable at any time or for any period.
It may be possible, through other websites we run and provide links to from our websites, for you to have access to a facility to buy products or services. Nothing on this or other websites we run forms an offer on our part to sell any products or services. How you buy and use these products or services will depend on separate terms and conditions, and you may need to register with us or another organisation.
Our services may contain links or references to products, materials or websites provided by organisations that are independent from us (we call these 'third parties'), either directly or through frames (for example, where two or more web pages are displayed as a single page). Although we may make this material available, we do not in any way recommend, endorse, or promote it. If you have any complaints about the third-party material we make available, you should contact the relevant third party. You must not link to our websites without first getting our written permission.
You agree to use comparison services provided by Experian Limited for lawful purposes only. You may not: use, or allow others to use, to impersonate any person or entity or falsely state or otherwise misrepresent your affiliation with anyone or entity; intentionally violate the laws, rules, and regulations of the Financial Conduct Authority and the national or other securities exchanges; intentionally violate any other applicable law or regulation while accessing and using our sites or collect or store personal data about other site users. Whilst we cannot review all transmissions by our site users, Experian Limited reserves the right to monitor any information transmitted or received through our service.
You agree to indemnify, defend, and hold harmless Experian Limited, affiliates, directors, officers, and employees from and against any claim, liability, cost, damage, or loss we may incur (including, without limitation, solicitors' fees) because of any violation by you of your obligations under these Terms & Conditions.
Experian Limited cannot and does not warrant the completeness or accuracy of the information or other content found on our sites or its usefulness for any particular purpose. You understand and acknowledge that information posted by third party providers are the sole responsibility of the person from which such material originated. Experian Limited takes no responsibility for the accuracy and completeness of the information posted in our site areas including our product comparison journeys.
You agree that Experian Limited shall not be liable for any decision made or action taken by you, or others based upon reliance on information, or any material published by Experian Limited.
All information provided on Experian Limited’s websites is to be used on an 'as is, with all faults' basis. We make no promises that our content or the service itself will be delivered to you uninterrupted, secure, error-free or delivered on time. We are not making any promises or warranties except that we will not intentionally lie to you. Other than that, we reserve the right to be wrong. This means that you agree that under no circumstances shall Experian Limited be liable for any direct, indirect, incidental or any other type of loss or injury resulting from your use or downloading of any content on our sites. This includes, but is not limited to, loss or injury caused by contingencies beyond our control in creating or delivering any part of Experian Limited. Nothing here excludes or limits Experian Limited's liability for death or personal injury caused by its proven negligence or excludes or limits our duties or any liability under any applicable law.
We will not be liable for any loss or damage caused by a distributed denial-of-service attack, viruses or other technologically harmful material that may infect your computer equipment, computer programs, data, or other proprietary material due to your use of our sites or services or to your downloading of any material posted on it or on any website linked to it.
You may link to our pages or services, provided you do so in a way that is fair and legal and does not damage our reputation or take advantage of it. However, you must not establish a link in such a way as to suggest any form of association, approval, or endorsement on our part where none exists. You must not set up a link from any website that is not owned by you.
Our sites and services must not be framed on any other site, nor may you create a link to any part of our sites or services other than the home page. We reserve the right to withdraw linking permission without notice.
If any provision in the Terms & Conditions is invalid or unenforceable, the remaining provisions will continue in full force and effect. The laws of England and Wales shall govern the Terms & Conditions as if it were a contract entered into and performed within England. The courts of England and Wales shall have exclusive authority in relation to any disputes arising under or in connection with the Terms & Conditions, but without prejudice to Experian Limited's ability to bring proceedings against a user in the courts of any authority.
Do not attempt to use our services through any other interface other than that provided. You may only use our services as allowed by law and we may withdraw the services from you if we are investigating suspected misconduct.
Any use of our services does not imply the transfer of intellectual property rights or content that may be accessed. You may not use or transfer content from our services without permission. You may not obstruct, remove, or change legal and regulatory notices displayed throughout the services.
By agreeing to the Terms & Conditions, you agree to use our services for your personal, non-commercial, and lawful purposes, that you will not engage in any activity that is harmful or infringes our rights or the rights of others, and that you will treat our staff with respect.
If we suspect that you provide false data or detect fraudulent activity, we will record it and we reserve the right to pass it to the police or other fraud prevention agencies.
We will provide the services to you with reasonable skill and care, and we will obtain and provide the information we make available to you through the services with reasonable skill and care. We do not guarantee the information we receive from third parties (including the details you provide) is accurate, complete, or up to date.
If we fail to comply with these terms or do not use reasonable care and skill when providing the services to you, we are responsible for foreseeable losses or damages that you incur. Loss or damage is foreseeable if, it would have been expected by you or us, at the time the contract was made.
We are not responsible for loss or damage suffered by you as result of:
We do not exclude or limit our liability to you where it would be unlawful to do so. This includes liability for death or personal injury caused by our negligence, fraud, fraudulent misrepresentation, and any liability under the Financial Services and Markets Act 2000 or the Payment Services Regulations 2017 or for breach of your legal rights in the provision of our services. You can ask us to repeat and fix a service or get some money back if we cannot fix it, in the event our services are not conducted with reasonable care and skill. This is a summary of your legal rights, there may be others available to you. If you need more information about these rights, you can contact your local Citizens Advice Bureau.
We will always aim to provide you with the best service possible. However, occasionally we may not live up to your expectations. If you feel our service could have been better, we would like to know so we can make sure it does not happen again - either to you or to anyone else.
Our customer services team is always happy to help and will respond initially within one working day. You can contact us at our address:
Experian Partner Marketplace Servicesor email us at marketplacecomplaints@experian.com.
Hopefully, we will be able to resolve your complaint to your satisfaction. If, however, anything is unclear or you are unhappy with our response, please contact the person that managed your complaint. They will do all they can to answer your questions and reach an agreement.
If your complaint is still unresolved, you can ask for a review from the Financial Ombudsman Service, an independent service that will investigate your complaint and make adjudication on our response. Refer it to the Financial Ombudsman Service free of charge. You can contact them by:
Telephone: 0300 123 9 123 (or from outside the United Kingdom on +44 20 7964 1000)
Email: complaint.info@financial-ombudsman.org.uk
Post to:
Financial Ombudsman ServiceGoing to their website.
Our contact with you for the services does not have a fixed time. In future we may need to update these Terms & Conditions. The reasons we need to make changes are:
You should read these Terms & Conditions in conjunction with Experian Partner Marketplace Services Privacy Policy and Cookies Policy.