Terms of Use

Last Updated: December 2025

1. Introduction and Acceptance

Welcome to Money Navigator (“we”, “us”, or “our”). These Terms of Use (“Terms”) constitute a legally binding agreement between you (“you”, “User”) and Money Navigator governing your access to and use of our website located at https://moneynavigator.io (the “Site”).

IMPORTANT: By accessing, browsing, or using our Site, you acknowledge that you have read, understood, and agree to be bound by these Terms. If you do not agree to these Terms, you must strictly cease using our Site immediately.

2. Regulatory Status and Nature of Service

2.1 Information Only (Publisher Model)

Money Navigator operates as an independent commercial publisher and information service. We provide comparison tables, guides, and analytical content regarding financial products (including but not limited to business banking, loans, and credit cards).

2.2 Not a Lender

We are not a bank, lender, or credit card issuer. We do not provide funds, approve loans, or make credit decisions.

2.3 FCA Disclosure

Money Navigator is not authorised or regulated by the Financial Conduct Authority (FCA). The content provided on this Site is for unregulated information purposes only.

3. Financial Disclaimer (No Advice)

3.1 No Financial Advice

The content, tools, and data on this Site are for informational and educational purposes only. Nothing on this Site constitutes financial, investment, legal, or tax advice. It is not a recommendation or endorsement of any specific product or provider.

3.2 User Responsibility

You acknowledge that:

  • You are solely responsible for ensuring that any product you apply for meets your specific needs and financial situation.

  • You should seek professional advice from a qualified financial advisor before making significant financial decisions.

  • We accept no liability for any loss (financial or otherwise) arising from actions taken based on the information found on this Site.

4. Accuracy of Information

4.1 “As Is” Basis

The Site and all content are provided on an “as is” and “as available” basis without warranties of any kind, either express or implied.

4.2 Representative Examples

All interest rates, fees, and terms (including “Representative APR”) displayed on the Site are illustrative examples provided by third parties.

  • Rates Change: Lenders may change their rates at any time without notice to us.

  • Subject to Status: The actual rate and terms you are offered will depend on the lender’s assessment of your personal circumstances, creditworthiness, and financial status.

  • No Guarantee: We do not guarantee that you will be eligible for the products listed or that you will be offered the rates shown.

5. Affiliate Disclosure & Business Model

Our service is free for you to use. Money Navigator acts as an Affiliate Publisher.

  • Commissions: We may receive a commission or fee from third-party providers when you click a link, generate a lead, or successfully apply for a product through our Site.

  • Independence: While these commercial relationships support our business, they do not influence our editorial integrity. Our reviews and ratings are objective.

6. Third-Party Websites and Services

Our Site contains links to websites operated by third parties (e.g., Tide, Capital on Tap, American Express).

  • No Control: We have no control over the content, privacy policies, or practices of third-party sites.

  • No Liability: We are not responsible for any loss or damage that may arise from your use of them.

  • Direct Contract: Any contract for a financial product is strictly between you and the third-party provider. Money Navigator is not a party to that agreement.

7. Intellectual Property Rights

7.1 Ownership

All content, design, graphics, text, logos, code, and software on this Site are the intellectual property of Money Navigator or its licensors and are protected by UK and international copyright, trademark, and database laws.

7.2 Permitted Use

You are granted a limited, non-exclusive, non-transferable license to access and use the Site for personal, non-commercial purposes only.

7.3 Prohibited Conduct

You strictly agree NOT to:

  • Use the Site for any commercial purpose without our prior written consent.

  • Systematically extract (scrape), mine, or harvest data from the Site using bots, spiders, or other automated means.

  • Reproduce, duplicate, copy, sell, or exploit any portion of the Site.

  • Introduce viruses, trojans, worms, or other malicious material.

  • Attempt to gain unauthorised access to our servers, database, or computers.

8. Limitation of Liability

Please read this section carefully. To the fullest extent permitted by applicable law:

  1. Exclusion: Money Navigator, its directors, employees, and partners shall not be liable for any indirect, incidental, special, consequential, or punitive damages, including but not limited to loss of profits, data, use, goodwill, or other intangible losses, resulting from:

    • Your access to or use of (or inability to access or use) the Site;

    • Any conduct or content of any third party on the Site;

    • Any inaccuracies or errors in content.

  2. Cap: Our total liability to you for any claims arising out of these Terms or your use of the Site shall be limited to £100 (one hundred Great British Pounds).

Nothing in these Terms excludes or limits our liability for death or personal injury arising from our negligence, for fraud or fraudulent misrepresentation, or for any other liability that cannot be excluded or limited by English law.

9. Indemnification

You agree to defend, indemnify, and hold harmless Money Navigator and its affiliates, officers, directors, and employees from and against any claims, liabilities, damages, judgments, awards, losses, costs, expenses, or fees (including reasonable legal fees) arising out of or relating to:

  • Your violation of these Terms;

  • Your use of the Site;

  • Your infringement of any intellectual property or other rights of any third party.

10. Data Protection and Privacy

Your use of the Site is also governed by our Privacy Policy and Cookie Policy, which are incorporated into these Terms by reference. Please review these documents to understand how we collect, use, and protect your data.

11. Termination

We reserve the right, in our sole discretion, to terminate or suspend your access to all or part of the Site without notice and for any reason, including, without limitation, breach of these Terms.

12. General Provisions

  • Severability: If any provision of these Terms is held to be invalid or unenforceable, such provision shall be struck out and the remaining provisions shall remain in full force and effect.

  • Waiver: Our failure to enforce any right or provision of these Terms will not be considered a waiver of those rights.

  • Changes: We may modify these Terms at any time. Your continued use of the Site following the posting of revised Terms means that you accept and agree to the changes.

13. Governing Law and Jurisdiction

These Terms shall be governed by and construed in accordance with the laws of England and Wales. You agree to submit to the exclusive jurisdiction of the courts of England and Wales to resolve any legal matter arising from these Terms or your use of the Site.

14. Contact Us

For any legal inquiries regarding these Terms, please contact:

Email: support@moneynavigator.io