Terms and Conditions of use
Effective From June 2014
PLEASE READ THESE TERMS AND CONDITIONS OF USE ('Terms') BEFORE USING OUR SITE. By using Our site you are agreeing to be bound by these Terms. If you don't wish to be bound by what you read below, you shouldn't use beemyminder.co.uk
Information about Us
Welcome to beemyminder.co.uk. This Site is operated by MyMinder Limited ("We", "Our", or "Us"). We are registered in England and Wales under company number 9055121 and have Our registered office at K&B Accountancy Group, The South Quay Building, 189 Marsh Wall, London,England, E14 9SH.
What We do
We provide a personal policy and agreement management service that allows you to upload and store necessary information, set reminders, alerts and provides independent helpful information, articles, tips, hints to make decisions (the "Service").
What We don't do
The information We provide does not address your individual requirements. In particular, Our information does not constitute any form of advice, recommendation, representation, endorsement or arrangement by Us and is not intended to be relied upon by you in making (or refraining from making) any specific investment or other decisions.
If We mention companies on Our site, We usually do so because of their attractive rates. As general policy We don't vet them on customer service or investigate their solvency (how likely they are to go bust). Given that the impact of any information expressed on Our site can vary widely based on your particular circumstances, you should always carry out your own research into the product that is of interest to you.
We do not provide financial, investment or other advice in relation to the product or service compared, nor do We provide a recommendation or endorsement of product or service providers.
Privacy Policy
We take your privacy seriously. Please read Our Privacy Policy to see how We deal with this information.
Access to the Site
We shall not be liable if for any reason the Site is unavailable at any time or for any period.
From time to time, We may restrict access to all or some parts of the Site to users who have registered with Us.
You must keep your registration information up to date.
If you choose, or you are provided with, a user identification code, password or any other piece of information as part of Our security procedures, you must treat such information as confidential, and you must not disclose it to any third party
You must not:
· impersonate or try to impersonate another person;
· disclose your password to anyone else;
· allow anyone else to use your account;
· use anyone else's account.
If you think that someone else may have access to, or be using, your password or account, you must tell Us as soon as possible by emailing enquiries@beemyminder.co.uk
We reserve the right to restrict or deny you access to all or some parts of the Site if, in Our opinion, you have failed to comply with these Website Terms.
Links
Our site does include details on, or links through to, information provided by other websites. We don't control the accuracy or completeness of that information. You take full responsibility for using that information and verifying it and for any decision to use, purchase or refrain from purchasing any of the services or products mentioned on a linked site. If you do purchase products or services from another website please read their contract carefully before deciding to buy. Remember, your contract for those products or services will be with them, not Us.
When you use other websites, any personal information you give them will be dealt with in line with their privacy policies, not ours, so please read the privacy policies of each and every such website before using them.
Some of the links included on Our site are affiliated links. These are links which take you directly or indirectly to a financial product provider and which may result in Us receiving a fee or commission as a consequence of you clicking through to their site or purchasing a product from them. Our independence is paramount to Us and Our selection of links is not influenced by any fee/commission received by financial providers.
You are welcome to link to Our site if you comply with the terms set out in this section and all applicable laws. Any site or service that links to Our site:
- can display a beemyminder.co.uk logo but mustn't otherwise use any of Our trade marks without Our written consent;
- mustn't remove, distort or otherwise alter the size or appearance of Our logo;
- may link only to Our homepage if We have given you Our prior written consent;
- mustn't in any way imply that We are endorsing it or its products or services;
- mustn't misrepresent its relationship with Us or present false information about Us;
- mustn't be a site or service that infringes any intellectual property or other right of any person or that otherwise does not comply with all relevant laws and regulations;
- mustn't be a site or service that contains content that could be considered distasteful or offensive.
If you breach these terms, then We have the right to require that your link is removed and to take whatever other action We think appropriate.
Our content
All of the content on Our site is owned by Us or Our licensors and is protected by UK and international copyright laws.
The content on Our site includes any information or other material found on beeminder.co.uk including forums, articles, databases, graphics, software and all other features of Our site. You are allowed to use Our content for personal, non-commercial use only. You may make one copy of extracts from this site on any single computer for personal, individual use only, provided that all copyright and proprietary notices are kept intact. Apart from that, none of Our content may be republished, posted, transmitted, stored, sold, distributed or modified without Our prior written consent.
The trade marks ‘BeeMyMinder’ and ‘beemyminder.co.uk’, among others, are owned by MyMinder Limited. All other brand names and trademarks that appear on this site are trademarks or trade names of their respective holders. No permission is given in respect of the use of any of these brands or marks and any such use may constitute an infringement of the holders' rights.
Your content
Just so that you know, you own any copyright in the text that you post to Our forums. However, when you post text, you expressly grant Us a perpetual, unlimited free licence to republish that text on Our site and to redistribute/make available and/or sell that text in print or electronic form anywhere in the world as part of an edited compilation or otherwise.
- Provision of Accurate Information
You agree to provide true, accurate, current and complete information about yourself and the Accounts and you agree not to misrepresent any information relating to your Accounts or your identity ("Account Information"). You agree to keep your Account Information up to date and accurate.
2. Proprietary Rights
You are permitted to use content delivered to you through the Service only on the Service. You may not copy, reproduce, distribute, or create derivative works from this content. Further, you agree not to reverse engineer or reverse compile any of the Service technology, including but not limited to, any Java applets associated with the Service.
Our warranties and liability
The material contained on the Site is for information purposes only and does not constitute advice. You should carry out your own check in respect of any information on the Site and use your own judgement before doing or not doing anything on the basis of what you see. By way of example, the Site's product lists are not intended to be an exhaustive list of all providers of a particular financial product. The materials on the Site are provided "as is" and We give no warranties of any kind in relation to the materials on the Site.
We are not liable for:
- any action you may take as a result of relying on any information/materials provided on the Site or for any loss or damage suffered by you as a result of you taking such action; or
- any dealings you have with third parties (e.g. suppliers of goods or services or advertisers) that take place using or facilitated by the Site;
- any liability for any third party content or resources on the Site; or
- any liability for losses which are not a foreseeable or likely consequence of (i) your use of the Site, or (ii) a breach by Us of these Website Terms.
We are not responsible if you cannot use the Site properly or at all because of any event outside Our control (e.g. the performance of your or Our internet service provider, your browser or the internet.)
The Site relies in part on software to work. Software has bugs. Whilst We monitor the Site and try to fix bugs promptly, We do not guarantee that the Site will be error free, available all the time and/or free from viruses.
Nothing in these Website Terms affects any liability which We may have for death or personal injury arising from Our negligence, fraud or any other liability which cannot be excluded or limited by law.
Indemnity
You agree to indemnify, defend and hold harmless Us, Our directors, officers, employees and licensors from and against any claim, liability, cost, damage or loss We may incur (including reasonable legal fees) as a result of any material that you post or transmit on Our communication forums or via Our comms systems, any actions you take which disrupt access to and/or the functioning of Our site or any breach by you of your obligations under these Terms.
Applicable Law and Jurisdiction
These Service Terms are governed by English law. The English courts shall have exclusive jurisdiction over any claim brought by you arising from, or related to, use of the Service and these Service Terms.
Suspension of the Service
We may at any time suspend your use of the Service on reasonable grounds which relate to:
- the security of the Service including the suspected unauthorised or fraudulent use of the Service; and/or
- your use of the Service in contravention of any reasonable instructions given from time to time by Us.
You will normally be given advance notice (by email) if your use of the Service is going to be suspended. Such notice will tell you why such action is being taken. Please note that you will not receive notice or details of why the action is being taken if this would compromise reasonable security measures or if it is unlawful to do so.
Variation of the Service
We reserve the right to change or discontinue, temporarily or permanently, the Service at any time without notice. You agree that We will not be liable to you or any third party for any modification or discontinuance of the Service. We reserve the right to alter any features or other characteristics of the Service.
Cancellation
You may cancel your subscription to the Service at any time. Note, extended periods of inactivity may also result in cancellation or Account Information stored in the Service being made unavailable. On cancellation, your personally identifiable information will be securely and permanently deleted from Our systems.
Retention
We will retain information you store on Our Services for as long as We need it to provide you the Services. If you delete your account, We will also delete this information. But please note:
· there might be some latency in deleting this information from Our servers and back-up storage; and
· We may retain this information if necessary to comply with Our legal obligations, resolve disputes, or enforce Our agreements.
Validity of these Service Terms
If any part or provision of these General Terms is found to be unlawful or unenforceable, this shall not affect the validity of any other part or provision.
Complaints
We aim to provide a high level service to all Our customers but occasionally things can go wrong. When this happens We will do everything We can to put things right and assist you.
What to do if you have a complaint?
If you have a complaint about Our service, please contact Us first by email enquiries@beemyminder.co.uk and if after emailing Us you are still not satisfied please write to Us at MyMinder Limited, K&B Accountancy Group, The South Quay Building, 189 Marsh Wall, London,England, E14 9SH. Please include your name and address, a contact telephone number, and details of why you are unhappy. This will help Us to respond to you as quickly as possible. If We do not have enough information to investigate your complaint We will try and contact you to ask for further details.
If We are unable to resolve your complaint by the close of business the next working day, We will send a written acknowledgement of your complaint to you within 5 working days of its receipt.
By the end of eight weeks after receipt of your original complaint letter We will send you a final response or a letter explaining why We are still not in a position to issue a final response and advising you of when We expect to be able to do so.
You may after eight weeks, or if you are unhappy with Our response to your complaint, contact the Financial Ombudsman Service who may be contacted at South Quay Plaza, 183 Marsh Wall, London E14 9SR, Telephone 0800 0234567.
Web www.financial-ombudsman.org.uk
If your complaint is regarding a product or service that you have purchased via this website, then you should complain directly to the relevant product or service provider responsible for supplying the product or service about which you wish to complain.
We cannot answer complaints on behalf of a product or service provider or accept 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 make a complaint against them.
Amendments
We may make changes to these Terms at any time. We will let you know what these changes are by posting them to this page, but it is your responsibility as a user to make sure that you are aware of them, by checking for any changes on a regular basis. Changes will become effective as soon as they are posted. If you continue to use Our site after the posting of changes to these Terms, it means that you accept any such changes.
Posted: 17 January 2019
Security. We have a team dedicated to keeping your information secure and testing for vulnerabilities. We also continue to work on features to keep your information safe in addition to things like two-factor authentication, encryption of files at rest, and alerts when new devices and apps are linked to your account.