The information and services provided by www.TheSimpleSaver.com or Live Leads Limited ("TheSimpleSaver.com") and contained within the www.TheSimpleSaver.com web site ("the Web Site") are intended to provide general information only. The Web Site does not contain any advice whether legal, financial or other advice in relation to any particular product. If you intend to act on any information or the results of any services supplied by TheSimpleSaver.com you should confirm details of the relevant product with the product provider or your financial adviser. You are responsible for your own investment, financial and purchasing decisions. We suggest that you obtain independent financial advice if you are in any doubt as to the suitability of the product that you are intending to purchase. All information (including but not limited to price details) is indicative rather than definitive. The information and services provided by TheSimpleSaver.com through the Web Site do not constitute an offer to buy or sell or provide any other service, nor do they comprise any form of investment advertisement.

The Web Site is designed (and intended) for use in the UK only, and the information contained on it relates to products and services marketed to UK residents only. Non-UK residents should seek financial advice in their own country.

Whilst we take all reasonable steps to ensure that the Web Site is up to date there may be a period of time between changes being made by a product provider and our review during which the information is out of date.

Use of the Web Site is subject to the following terms and conditions and to the Disclaimer set out above. By accessing the Web Site you signify your acceptance of these terms and conditions.

Although, all reasonable endeavours have been made to ensure that the information contained on the Web Site is accurate, you acknowledge that TheSimpleSaver.com have no control over the accuracy or completeness of information that is provided to it by third parties. TheSimpleSaver.com therefore gives no warranty nor makes any representation that the information contained on the Web Site or the results of the services provided using such information is or will be accurate or complete.

You acknowledge that the information and services provided to you by TheSimpleSaver.com are supplied without charge for general information purposes only. TheSimpleSaver.com accepts no responsibility for any decision that you may make based on the information or the results of the services obtained from using the Web Site. You should discuss your specific requirements and the suitability of a particular product with an independent financial adviser. TheSimpleSaver.com accepts no liability, except in respect of death or personal injury, for any loss, damage or expenses that you may suffer or incur, whether direct, indirect or consequential, as a result of the negligence of TheSimpleSaver.com.

You may use the Web Site for your own private, non-professional use only. You may not use, and you must ensure that no other person uses the information supplied by TheSimpleSaver.com to you for re-sale, redistribution or for any other commercial use. In particular you may not use the Web Site for the carrying out of investment business as defined in the Financial Services Act 1986 in any capacity. If you take a copy or set up a direct feed of any of the pages of the Web Site, these terms and conditions, warnings and disclaimers will continue to apply to the information and services. The information and the service are designed for use in the United Kingdom only. You must not use this service or the information in countries where it is restricted or prohibited by local legislation.

You may not:

Restrict or inhibit any other user from using and enjoying the service;

Post or transmit any material which, under the laws of any jurisdiction where the material can be accessed, is or may be unlawful, fraudulent, libellous, defamatory, obscene, pornographic, profane, threatening, abusive, hateful, offensive, or otherwise objectionable (including without limitation any transmissions constituting or encouraging conduct that would constitute a criminal offence, give rise to civil liability, or otherwise violate any law), or that infringes the intellectual property rights of a third party ;

Post or transmit any advertisements, solicitations, chain letters, pyramid schemes, investment opportunities or schemes or other unsolicited commercial messages or engage in spamming or flooding;

Up-load, post, publish, transmit, reproduce, or distribute in any way, information, software or other material obtained through use of the Web Site without prior written permission of TheSimpleSaver.com.

You agree to indemnify TheSimpleSaver.com for all liabilities, costs, claims, expenses, losses and damages suffered or incurred by TheSimpleSaver.com as a result of your breach of the restrictions on use of the service or the Web Site set out above.

You acknowledge and agree that TheSimpleSaver.com has no responsibility for the accuracy or availability of information provided by linked sites. TheSimpleSaver.com has an obligation to provide a fair and objective opinion of the site content and these links to external web sites do not constitute an endorsement or recommendation by TheSimpleSaver.com of such sites or products, advertising or other materials presented on such sites. The links on the Web Site may take you to other sites where advice or trading is possible. You acknowledge and agree that TheSimpleSaver.com shall not be responsible or liable with regard to any advice or trading which may be conducted on such sites.

English and Welsh Law governs these terms and conditions and you agree to submit to the exclusive jurisdiction of the English and Welsh Courts.