This service ("the Service") is provided to you by FLG Money Limited, whose registered address is Holme Park Business Centre, 26-28 Sycamore Close, Burnley BB12 6EG ("FLG"), subject to these terms and conditions. By using this Service or any information or other material contained within this Service ("Information") you agree to these terms and conditions:

1. The Service
2. Disclaimer of Warranties
3. Proprietary Rights
4. Modifications to Service
5. Financial information
6. Privacy
7. Third Parties
8. Equipment
9. Indemnity
10. Choice of Law and Jurisdiction
11. General information

The Service will enable you to make an assessment of your finances and provide initial indications of the best steps to improve your financial circumstances. As an integral part of the Service FLG may include third party advertising or marketing messages with the Information.

FLG will use reasonable endeavours to ensure that the Information contained within the Service is accurate. However, no warranty is given as to the accuracy or supply of Information. We do not accept any liability for the use made by you of the Information, nor do we warrant that the supply of the Information will be uninterrupted. Any use made of the Service by you is on an "as is" and an "as available" basis.

Without limiting the above, FLG does not control telephones, third party communications networks (including your Internet Service Provider) or the Internet or the acts of third parties. You must remember that any Information you access via the Service, whether or not it is classified as "real time", may have ceased to be current by the time it reaches you, your computer or your telephone.

The Information contained within the Service is owned by FLG and/or its licensors. It is protected by copyright, trade marks and other intellectual property rights. You agree and accept that the Information is for your own personal use and may not be used for commercial purposes, whether revenue generating or not, or distributed commercially. The Information cannot be reproduced, modified, transferred, distributed, republished, downloaded, posted, sold, re-sold, exploited or transmitted in any form or by any other means including (but not limited to) electronic, mechanical photocopying or recording for commercial purposes without the prior written permission of FLG. Should you wish to use all (or any part) of the Information for commercial purposes then you must first apply in writing to FLG. Failure to do so may lead to legal action being taken against you.

The methods of searching and presentation of Information, certain information content, graphics, layout, design and other features of the Service are also protected by intellectual property rights belonging to FLG and/or its licensors. No licence is granted to you in respect of any such rights, except to the extent required for your personal use of the Service in accordance with these terms and conditions.

The FLG and Open Doors Money name and logo are trade marks owned by FLG and you are not be entitled to reproduce such marks (other than to the extent required for your personal use of the Service) without our prior written consent.

FLG reserves the right at any time and from time to time to modify or discontinue, temporarily or permanently, the Service (or any part thereof) with or without notice. You agree that FLG shall not be responsible or liable for any modification, suspension or discontinuance of the Service. No compensation will be payable to you as a result of any such modification, suspension or discontinuance.

Any Information of a financial nature provided as part of the Service is intended for your general information needs and does not constitute any form of advice, recommendation or arrangement by FLG, and is not intended to be relied upon by you in making any specific decisions especially with regard to financial or investment decisions such as those concerning companies, stock market quotes, investments or securities. FLG shall not be responsible or liable for any trading or investment decisions made based on the Information.

Any use that you make of the service isject to our privacy statement which is incorporated into these terms and conditions.

The Service may contain advertisements for, and links to, various services that are operated by third parties over whom FLG has no control. We therefore do not make any representation - and do not accept any liability - in respect of the content, products or services available from such third parties, or the business of such third parties. Any dealings with advertisers, merchants or any other third parties accessed using the FLG Service shall be entirely at your own risk and FLG shall not be responsible or liable for any loss or damage of any kind incurred as the result of any such dealings or as the result of the presence of such advertisers and merchants on the Service.

You are responsible for obtaining, updating and paying for all telecommunication equipment, computer equipment, software or other access devices necessary to access the Service and for all amounts payable in respect of connection to all and any parts of the Service including any telecommunications charges for time spent using the Service.

You agree to indemnify and keep indemnified FLG against any loss or damage arising from your unauthorised use of any part of the Service, and from all actions, proceedings, claims, demands, costs (including legal costs), awards and damages however they arise, directly or indirectly as a result of any breach or non-performance by you of any of your obligations under these terms and conditions.

These terms and conditions are subject to the laws of England and by using the Service you agree not only to be bound by them, but also agree to submit to the exclusive jurisdiction of the English courts in connection with any dispute save that we have the right at our sole discretion to commence and pursue proceedings in alternative jurisdictions.

We reserve the right to change these terms and conditions at any time. Such revised terms and conditions will be posted on the Service. By continued use of the Service after such terms and conditions have been posted, you agree to abide by such changes.