Terms of Use

Last Updated: December 2025

1. Introduction

Welcome to Money Navigator (“we”, “us”, or “our”). These Terms of Use (“Terms”) govern your use of our website located at https://moneynavigator.io, e.g., moneynavigator.io (the “Site”).

By accessing or using our Site, you agree to be bound by these Terms. If you do not agree to these Terms, please do not use our Site.

2. Who We Are and What We Do

Money Navigator is an independent online comparison service.

  • We are a Publisher: We provide information, guides, and comparison tables regarding business banking, loans, and credit cards.
  • We are NOT a Lender: We do not provide loans, credit cards, or bank accounts directly.
  • We are NOT a Financial Advisor: The content on this Site is for information and educational purposes only. It does not constitute financial advice, recommendation, or endorsement.

3. Our Service is Free

Our comparison service is free for you to use. We are an “affiliate publisher,” which means we may receive a commission from third-party providers (such as banks or lenders) when you click a link or apply for a product through our Site.

This funding model allows us to keep our content free. However, our commercial relationships do not influence our editorial independence or the ratings we assign to products.

4. Disclaimer of Financial Advice (Important)

You should not rely on the information on this Site as a substitute for professional financial advice.

While we make every effort to ensure our content is accurate and up-to-date:

  • Rates Change: Interest rates (APRs), fees, and terms offered by lenders can change instantly and may differ from those shown on our Site.
  • Eligibility Varies: The deal you are offered depends on your individual circumstances (e.g., credit history, turnover). The “Representative APR” shown on our Site is an example only and not a guarantee of the rate you will receive.
  • Your Responsibility: You are solely responsible for ensuring that any product you apply for is suitable for your specific needs. We recommend you read the full Terms & Conditions of the provider before applying.

We accept no liability for any loss or damage (financial or otherwise) arising from your reliance on information contained on this Site.

5. Third-Party Links and Services

Our Site contains links to third-party websites (e.g., Tide, Capital on Tap, Amex).

  • We do not control these sites: Once you leave Money Navigator, we are not responsible for the content, privacy policies, or practices of any third-party website.
  • Your Contract is with Them: If you apply for a product, your contract will be directly with the third-party provider, not with us. Any disputes regarding the product must be resolved with them.

6. Intellectual Property

All content on this Site – including text, graphics, logos, images, and software is the property of Money Navigator or its content suppliers and is protected by UK and international copyright laws.

  • Permitted Use: You may view, read, and print pages from the Site for your own personal, non-commercial use.
  • Prohibited Use: You may not copy, reproduce, distribute, or exploit any content for commercial purposes without our prior written consent.

7. User Conduct

You agree not to:

  • Use the Site for any unlawful purpose.
  • Attempt to gain unauthorised access to our servers or database.
  • Use any automated bot, scraper, or spider to access or copy data from our Site.
  • Knowingly introduce viruses or other malicious material.

8. Limitation of Liability

To the fullest extent permitted by law, Money Navigator excludes all liability for any loss or damage arising out of or in connection with your use of our Site. This includes, but is not limited to:

  • Loss of profit, business, revenue, or goodwill.
  • Indirect or consequential loss.
  • Loss resulting from inaccuracies or errors in our content.

Nothing in these Terms excludes or limits our liability for death or personal injury arising from our negligence, or for fraud.

9. Changes to These Terms

We may update these Terms from time to time to reflect changes in our service or legal requirements. The specific terms that apply to you are those posted here on the date of your visit. We advise you to check this page regularly.

10. Governing Law

These Terms are governed by and construed in accordance with the laws of England and Wales. You agree that the courts of England and Wales shall have exclusive jurisdiction to settle any dispute or claim arising out of or in connection with these Terms.

11. Contact Us

If you have any questions about these Terms, please contact us at:

Email: support@moneynavigator.io