Terms and Conditions
Date of Last Revision: 3 October 2023
Who are we?
This Site is owned and operated by MoneyHero Group. The MoneyHero Group includes MoneyHero, SingSaver, Money101, CompareHero, Seedly and Creatory, which each have their own terms and conditions.
Definitions
For the purposes of these Terms and Conditions, references to:
"we", "us", or "our" are to MoneyHero Group.
"Product" means any third-party product or service that we display on our Site.
"Services” means any online content, software and services, whether accessed on this Site or through third-party websites, mobile sites and/or applications.
"Site" means the website www.moneyherogroup.com and/or any mobile applications or other similar devices, channels, or applications operated by or on behalf of MoneyHero Group.
"you" and "your" means any person who accesses and uses the Site.
General
Access to and use of the Site is subject to these Terms and Conditions and our Privacy Policy and any additional terms applicable to our services that may be posted on or in connection with the Services from time to time, all of which are incorporated by reference.
By using and accessing the Site you conclude a legally binding agreement with us, MoneyHero Group, the owner and administrator of the Site.
By accessing and using the Site you agree to be bound by and to act in accordance with these Terms and Conditions and our Privacy Policy. If you do not agree to these Terms and Conditions or our Privacy Policy, you should stop using and/or accessing the Site immediately. If you breach any term of these Terms, your right to access and use the Site will cease immediately.
Changes to these Terms and Conditions
We work constantly to improve our services and develop new features. As a result, we reserve the right to make changes to these Terms and Conditions from time to time without prior notice. You should regularly visit this page to review the current Terms and Conditions so you are aware of any revisions that will apply to you. If we make any revisions, we will post them on this page and will indicate at the top of this page the date these Terms and Conditions were last revised. The amended Terms and Conditions will be effective from the date they are posted on the Services. Your continued use of the Services after any updated Terms and Conditions are in effect will constitute your acceptance of the new Terms and Conditions.
We reserve the right to suspend, limit or terminate your use of and access to the Services and/or to cancel your account at any time without further notice and for any reason whatsoever.
Our Service
We provide a free and independent online service that allows you to research, compare and/or discuss insurance, personal finance, investment, travel, and other Products.
Our comparison service is free to use. We earn money by charging the concerned third-party provider when you use our service to purchase Products.
We additionally allow you to get assistance and help offline (such as over the telephone) from us for information related to using of the services and from a third party related to insurance, banking and alternative products or services. We will not charge you for this service.
Please bear in mind that nothing on the Services ought to be thought of, or relied upon, as financial advice or a recommendation or endorsement of any of the specified Products. All information contained in the Services shall only be used for reference only and you should not treat it as any advice given by us. Information on the Services may help you choose the product or service that best meets your needs. However, it is your sole and absolute responsibility to conduct research, to seek independent and professional advice and to ensure the suitability of the product or service that is of interest to you. Ultimately, it is your sole and absolute decision to purchase any product or service, whether it has been featured on our Services or not.
Please bear in mind that nothing on the Services is, or shall be deemed to represent, an offer, inducement or proposal by us or any third party to sell to you, any product or service or to enter into any contract with you in respect to any product or service. By giving us your personal details, you are making a proposal to request for a quote of the relevant product or service from the relevant third party based on its terms and conditions, if any. The relevant third party reserves the final right to decide whether or not to accept your offer.
We aim to give you uninterrupted access to the current Services. However, we cannot assure you of uninterrupted availability of the Services. We have the absolute right to suspend, limit or terminate your access to the Services at any time.
We reserve the right to feature, amend, delete, edit, discontinue or modify the Services and/or any data, content, material or information displayed on the Services at any time without further notice. You agree that we will not be liable to you or to any third party for any modification, suspension or discontinuance of the Services.
Mobile Services
The Services include certain services that may be available through a mobile device, including (i) the ability to submit information to the Services via a mobile device and (ii) the ability to browse the Services and the Website from a mobile device (together, the “Mobile Services”). To the extent that you access the Services through a mobile device, your wireless service carrier’s standard charges, data rates and other fees may apply. In addition, using certain Mobile Services may be prohibited or restricted by your carrier, and not all Mobile Services may work with all carriers or devices. By using the Mobile Services and/or providing your mobile telephone number to us through the Services, you agree that we may communicate with you regarding our products and services and/or our service providers by SMS, MMS, text message, WhatsApp or other electronic means to your mobile device and that certain information about your usage of the Mobile Services may be communicated to us. In the event you change or deactivate your mobile telephone number, you agree to promptly update information that you have submitted to us.
Permitted Use
You are solely permitted to access and use the Services for personal or non-commercial functions, which means the Services shall only be accessed and used directly by a private individual or by a legal entity to find a product or service for that individual or entity on their own behalf. Any other kind of access to and use of the Services beyond those are mentioned in this paragraph is strictly prohibited.
In order to protect the safety and well-being of others and the integrity and security of our Services, you agree that you cannot use the Services (or facilitate or support others to do so):
- unless you are aged 18 and over;
- to do or to share anything that breaches these Terms and Conditions or any policies that we publish and which apply to your use of the Services;
- in any unlawful, fraudulent, improper, unauthorized, harassing, discriminatory, libelous, abusive, threatening, harmful, vulgar, obscene or otherwise objectionable manner or in any way that may be harmful or detrimental to our rights (including intellectual property rights) or interests or the rights (including intellectual property rights) or interests of any of our third party providers, or in any manner that could constitute a criminal offence or give rise to civil liability or regulation, in all cases as determined by us;
- in any way that infringes or breaches our rights or someone else’s rights;
- to alter, modify, reverse assemble or reverse engineer any part of the Services;
- in a way that interferes with, disrupts or imposes an unreasonable or disproportionately large burden on our communications and technical systems as determined by us; and/or
- using any automatic computer code, process, program, robot, net crawler, spider, data processing, trawling or alternative ‘screen scraping’ computer code, process, program or system.
We may use AI alternatively referred to as “large language models” (LLM) to help you research and estimate insurance, financial, energy, travel and other products or services provided by third parties (“AI Tools”). These AI Tools should be used for personal, lawful, non-commercial purposes only. Please also bear in mind that AI tools are a developing technology and so may not always be errorfree. You should not rely on AI Tools to make decisions. We are not liable for anything that happens as a result of your use of AI Tools.
Anyone using the Services in any of the above ways or engaging in any of the above activities are acting in breach of these Terms and Conditions and should stop using the Services immediately. You acknowledge that we may establish general practices and limits concerning use of the Services. You agree that we have no responsibility or liability for the deletion or failure to store any data or other content maintained by or uploaded to the Services. You further acknowledge that we reserve the right to change these general practices and limits at any time, in our sole discretion, with or without notice.
Your Responsibilities
You may complete a registration as a part of your use of the Services. Your username and password should be kept confidential by you and not be disclosed to or shared with anyone. If you choose to share these details with anyone, you are absolutely liable for all activities undertaken on the Services using your username and password.
If you choose to contact us in connection with the Services, you agree to provide and maintain (as applicable) true, accurate, current and complete information about yourself and/or any other person (such as a family member, associate or beneficiary, if relevant to the product or service) as prompted by one of our tools or forms that appears on our Services. Any personal data or other information that you submit using our tools or forms during account creation or otherwise (including any information you provide in relation to your family members), and certain other information about you that may be automatically collected when using the Services, is governed by our Privacy Policy. By providing any information about another person (or persons) such as a family member, associate or beneficiary), you warrant and guarantee that you have the authority to act on such person’s behalf (whether by appointment or by application of law) and that you have obtained any requisite consents to our processing of their personal data as set out in our Privacy Policy.
You have to take all necessary precautions to make sure that any data, content, material or information you submit or provide to us via the Services (“User Content”) are free from viruses, spyware, malicious software and anything which can have a contaminating, harmful or damaging impact on any part of this Services, our Content (as described below) or the websites of third parties or any other technology.
You are responsible for your conduct on the Services and for your User Content. You guarantee that your User Content does not violate any privacy rights, holding rights (such as copyright, information rights and trademarks) or alternative rights of any third party (including any right of confidentiality).
Furthermore, your User Content should not violate any law. User Content should not be harmful, fraudulent, threatening, defamatory, embarrassing, distressing, infringing, abusive, inflammatory, daunting, harassing, libelous, stalking, profane, obscene, indecent, inappropriate, hateful, discriminatory or racially, ethnically, sexually or otherwise objectionable or prohibited by any applicable laws or regulations. We reserve the right to investigate and take appropriate legal action against anyone who, in our sole discretion, violates this provision, including without limitation, removing the offending content from the Services, restricting such violator’s access to the Services and reporting the violator to the appropriate authorities.
You must comply with all applicable laws, statutes and regulations when using our Services. You agree to be held wholly responsible for any harm, loss, claim, demand, liability or expense (including reasonable legal fees) that we suffer directly or indirectly as a result of your breach of these Terms and Conditions, your breach of contract or warranty, willful act or omission, misrepresentation, negligence in relation to, or in association with, your access and/or use of the Services and/or in relation to your submission and accuracy of your User Content.
For the avoidance of doubt, you are responsible for:
- ensuring and confirming, if required, that the credit card (or other payment method) that is being used is yours, or that you have been specifically authorized by the owner of the credit card (or other payment method) to use it;
- ensuring and confirming (including by the provision of identity or other verification documents) if required, that the phone number (or other receipt method) that is being used to accept funds is yours; and
- complying with any terms and conditions and charges imposed by third party service providers in connection with payment gateway services they provide to facilitate your online payments.
You irrevocably agree to indemnify and hold us harmless for any claims, liabilities, losses, claims, damages and expenses (including reasonable legal fees) arising from or in relation to (i) your use and misuse of our Services (ii) your breach of any of the provisions of these Terms and Conditions; (iii) your infringement of any intellectual property rights or (iv) any third parties claims against us arising from or in relation to the aforementioned events under (i), (ii) or (iii).
Intellectual Property Rights
You agree and acknowledge that the Services may contain or display data, content, images, material or information (“Content”) that is protected by copyright, trademark, patent, trade secret or other proprietary rights and laws and is our property and/or the property of our third-party licensors. You can print, copy, transfer or store extracts of content, material or information displayed on the Services for your own personal use if you abide by the following conditions:
- Content cannot be used for any business or commercial functions without our written permission. Such rights cannot be sold, licensed or transferred to any third party without our express written consent
- You are not permitted to modify or change any of the Content on the Services. It shall not be excerpted, reproduced, published, used, reformatted and/or displayed on another website without our written permission;
- the standing of us and our licensors as authors of such data, content, material or information should be acknowledged at all times;
- Images, logos, trademarks or service marks, displayed on the Services are either our property or the property of our third-party licensors and are protected by the applicable copyright laws, trademark laws, the laws of privacy and publicity and/or other intellectual property law(s). Any unauthorized use of images, logos, trademarks or service marks, displayed on the Services may violate the applicable laws.
All intellectual property rights such as patents, trademarks, logos, net domain names, ethical rights, data, supply codes, software, specifications, know-how, processes and business strategies (in all cases whether or not registered or unregistered and as well as all rights to use for registration) in and about the Services (including data or Content displayed on it) are owned by us and/or our licensors and all such rights are reserved. Nothing in these Terms and Conditions or our Services grants you, by implication, estoppel, or otherwise, any license or right to use the Content except as expressly stated in these Terms and Conditions. Except as mentioned elsewhere in these Terms and Conditions, none of the intellectual property rights that belong to us or our licensors in and about the Services (including data or Content displayed on it) can be used, copied, modified, published, transmitted, sold, excerpted, reverse designed, reproduced, reformatted or distributed by you without our express written consent in each instance.
License to Use your Submissions
We encourage you to tell us how we can improve the Services. The Services provide you with the opportunity to send us questions, comments, suggestions, ideas, feedback or other information about the Services (“Submissions”) through online forms, email, social media or other channels. By submitting or otherwise providing your Submissions (including, for these purposes, User Content) to us, you agree and acknowledge that your Submissions are non-confidential and you grant us a nonexclusive unrestricted, perpetual, irrevocable, transferable, sub-licensable, royalty-free license to use your Submissions in any manner and for any purpose, commercial or otherwise, without acknowledgment or compensation to you, other than personal data which will only be used in accordance with our Privacy Policy.
Exclusions of Liability
We take all efforts to ensure that the information, material, data and knowledge on the Services, including but not limited to that from a third party, are true, correct and accurate and to rectify any errors or omissions as soon as practicable upon being notified of them. However, we do not warrant and hereby disclaim any warranty, express or implied, as to the accuracy, correctness, reliability, timeliness or non-infringement of any information, material or knowledge contained on the Services which are provided on an “as is” and “as available” basis.
We aim to give you uninterrupted access to the Services. However, we do not guarantee or warrant that any Content or functions associated with the Services will be uninterrupted or error free, or that defects will be corrected or that the Services or that servers will be free of all viruses and/or other harmful elements.
We are not liable and assume no responsibility for losses or damages of any kind however caused as a result (direct or indirect) of the use or access of, or the inability to use and access the Services, including but not limited to any damage or loss suffered as a result of reliance on the Content, and/or arising out of or in connection with these Terms and Conditions whether in contract, tort or otherwise, even if we have been informed of the possibility of such damage. Any and all liability for any and all indirect losses or damages suffered or incurred by you or those which were not foreseeable as a result of your access and/or use of the Services is excluded.
Notwithstanding the foregoing, nothing in these Terms and Conditions shall limit our liability for personal injury or death, fraud, or for any other liability the exclusion or limitation of which is not permitted by any applicable law or regulation.
We are not responsible or liable for (directly or indirectly) for any loss or harm you will suffer or incur as a result of any Product you received and/or purchased in a result of or on the basis of using the Services or for any acts, omissions, errors or defaults of any third party in reference to that product or service. Please bear in mind that the data and descriptions of Products on the Services might not represent the entire descriptions of all the options and terms and conditions of these products and services. You need to make sure that you carefully look at all the options and the terms and conditions of any product or service before purchasing it.
Third Party Liability
Our Services may provide you with access to third-party websites. The views expressed in third-party websites do not represent our views and we will not be responsible for the accuracy or content of any such views or expressions. Use of the hyperlinks and access to such linked websites are entirely at your own risk.
Your use of any third-party website is regulated by the terms and conditions and privacy policy of that website. Such terms and conditions and privacy policy may totally differ from these Terms and Conditions and our Privacy Policy. It is your responsibility to go through the terms and conditions and privacy policy of the relevant third-party websites before using that website. We are not responsible for any loss you will suffer or incur resulting or arising from the terms and conditions or the privacy policy of any third party website or for any acts, omissions, errors or defaults of any third party as a result of their terms and conditions and/or privacy policy.
All hyperlinks to other websites are provided as a matter of convenience to you as a user of the Services. In no circumstances shall we be considered associated or affiliated in whatever manner with any trade or service marks, logos or insignia that appears on such third-party websites.
The Services may provide, or third parties may provide, links or other access to other sites and resources on the Internet. Under no circumstances will we be liable in any way for any content or materials of any third parties (including users) appearing on the Services, including, but not limited to, for any errors or omissions in any content, or for any loss or damage of any kind incurred as a result of the use of any such content.
Jurisdiction
The Services are controlled and operated in Hong Kong. These Terms and Conditions, and any noncontractual obligations arising out of or in connection with these Terms and Conditions, will be governed by the laws of Hong Kong and you irrevocably agree to submit to the exclusive jurisdiction of the courts of Hong Kong.
Complaint Procedure
We aim to provide all our customers with a high level of service and satisfaction but if you wish to complain about any aspect of our services with you please write to:
22/F, East Exchange Tower, 38 Leighton Road, Causeway Bay
For the purposes of handling complaints, our working hours are from 9 a.m. to 6 p.m. every Monday to Friday, excluding Public Holidays.
We cannot answer complaints on behalf of a third-party product or service provider or accept or admit responsibility for any such complaints. We recommend that you visit the website of the product or service provider and follow their complaints procedure if you wish to lodge a complaint with them.
Language
This Privacy Policy has been prepared in English. If such document is translated into any other language, the English version shall prevail unless prohibited under the applicable law.