Terms of Use

Section 1

Acceptance of these terms

By accessing or using the Money Mind Shift website at moneymindshift.co.uk (the “Website”), you agree to be bound by these Terms of Use. If you do not agree to these terms, please do not use the Website.

These terms apply to all visitors, users and others who access or use the Website. They should be read alongside our Privacy Policy, which is incorporated into these terms by reference.

Section 2

About Money Mind Shift

Money Mind Shift is a free financial wellbeing website operated by an individual based in England. The Website provides general financial guidance, interactive planning tools, assessments and educational content to help people improve their relationship with money.

Money Mind Shift is not a bank, lender, financial institution or regulated financial services provider. We are not authorised or regulated by the Financial Conduct Authority (FCA).

Section 3

Not financial advice

The tools, assessments and content on Money Mind Shift are designed to help you think about your personal finances — they do not take into account your individual circumstances, financial situation, needs or objectives.

Before making any financial decision, you should consider whether the information is appropriate for your situation and, where necessary, seek independent professional advice from a qualified financial adviser, solicitor or regulated debt counsellor.

For free, regulated debt advice in the UK, we recommend:

• StepChange Debt Charity — 0800 138 1111 — stepchange.org
• National Debtline — 0808 808 4000 — nationaldebtline.org
• Citizens Advice — 0800 144 8848 — citizensadvice.org.uk

Section 4

Using our tools and assessments

Our interactive tools (including the Emergency Fund Planner, Sinking Fund Planner and Subscription Audit) and assessments (including the Money Health Check, Money Personality Quiz and Money Relationship Check) are provided free of charge for personal, non-commercial use.

The results generated by our tools are based solely on the information you enter and are intended as a starting point for your own thinking — not as definitive financial calculations or recommendations.

You use our tools at your own discretion. We make no warranty that the results will be accurate, complete or suitable for your particular situation.

Section 5

Accuracy of information

We make every reasonable effort to ensure the content on this Website is accurate, helpful and up to date. However, financial guidance, legislation and best practice can change, and we cannot guarantee that all content reflects the most current position at all times.

In particular:

• Interest rates, benefit amounts, tax thresholds and other financial figures referenced on this site may change and should be verified independently before being relied upon.
• Third-party resources and external links are provided for convenience — we do not endorse or take responsibility for the content of external websites.
• General guidance may not apply to every individual situation.

If you spot an error or out-of-date information, please let us know — we welcome corrections.

Section 6

Limitation of liability

To the fullest extent permitted by law, Money Mind Shift and its operator shall not be liable for any loss or damage arising from:

• Your use of, or inability to use, the Website or any of its tools and content
• Any financial decisions made in reliance on information or tool results from this Website
• Errors, inaccuracies or omissions in the content
• Interruption, suspension or unavailability of the Website
• Unauthorised access to or alteration of your data by third parties

Nothing in these terms excludes or limits liability for death or personal injury caused by negligence, fraud or any other matter that cannot be excluded or limited under English law.

These terms do not affect your statutory rights as a consumer under English law.

Section 7

Intellectual property

All content on this Website — including but not limited to text, tools, assessments, code, design, graphics and branding — is owned by or licensed to Money Mind Shift and is protected by copyright and other intellectual property laws.

You may:

• Access and use the Website for personal, non-commercial purposes
• Share links to pages on this Website
• Print or save content for your own personal reference

You may not:

• Copy, reproduce or republish content from this Website without our prior written permission
• Use our content for commercial purposes without written agreement
• Remove or alter any copyright notices or branding
• Scrape, frame or mirror any part of this Website without permission

If you would like to share or reproduce content from Money Mind Shift, please get in touch — we’re generally happy to discuss reasonable requests.

Section 8

Third-party links

This Website may contain links to third-party websites, including debt charities, financial regulators and other resources. These links are provided for your convenience and information only.

We do not control, endorse or take responsibility for the content, privacy practices or availability of any external website. Visiting a third-party website is at your own risk, and you should review their terms and privacy policy before using their services.

Section 9

Acceptable use

When using this Website you agree not to:

• Use the Website for any unlawful purpose or in any way that violates applicable laws or regulations
• Attempt to gain unauthorised access to any part of the Website or its underlying systems
• Transmit any harmful, offensive, defamatory or disruptive content via any contact form or other means
• Use automated tools to scrape, crawl or extract data from the Website without permission
• Interfere with the normal operation of the Website or attempt to overload its infrastructure
• Impersonate any person or entity, or misrepresent your affiliation with any person or entity

We reserve the right to restrict access to the Website to any person who we reasonably believe has violated these terms.

Section 10

Availability of the website

We aim to keep Money Mind Shift available at all times, but we cannot guarantee uninterrupted access. The Website may be temporarily unavailable due to maintenance, technical issues or circumstances beyond our control.

We reserve the right to modify, suspend or discontinue any part of the Website at any time without notice. We will not be liable to you or any third party for any such modification, suspension or discontinuation.

Section 11

Changes to these terms

We may update these Terms of Use from time to time. When we do, we will update the “last updated” date at the top of this page. Significant changes will be noted prominently where possible.

Your continued use of the Website after any changes constitutes your acceptance of the updated terms. If you do not agree to the revised terms, you should stop using the Website.

Section 12

Governing law

These Terms of Use and any dispute or claim arising out of or in connection with them shall be governed by and construed in accordance with the laws of England and Wales.

Any disputes shall be subject to the exclusive jurisdiction of the courts of England and Wales, except where you are a consumer and applicable law permits you to bring proceedings in your country of residence.

Section 13

Contact

If you have any questions about these Terms of Use, or wish to request permission to use our content, please use the contact form on our Contact page.