Bankrate’s Terms of Use

What’s in these terms?

These terms tell you the rules for using the Bankrate website.

Click on the links below to go straight to more information on each area.

Who we are and how to contact us

bankrate.com/uk is a site operated by uSwitch Limited (but you can call us Bankrate). We’re registered in England and Wales under company number 03612689 and have our registered office at The Cooperage, 5 Copper Row, London SE1 2LH. Our VAT number is 169474366.

We are authorised and regulated by the Financial Conduct Authority (312850).

You can contact us using the details here.

By using our site, you accept these terms

By using our site, you agree to comply with these terms of use.

If you do not agree to these terms, you must not use our site.

You should save a copy of these terms for future reference.

Other terms also apply to you

Our privacy policy also applies to your use of this website.

If you buy a product from a partner listed on Bankrate, then other terms available on the partner’s website will apply to your purchase and to your use of the partner’s website.

We may change these terms

We update these terms as we change Bankrate to make it even better for you. Please check back regularly to make sure you know the terms that apply each time you use Bankrate.

These terms were last updated on 15 January 2019.

We may change our site

We update our site from time to time to reflect changes in products, our users’ needs and our business priorities. We’ll try to give you reasonable notice of any major changes.

Our site won’t always be available

Bankrate is free to use for consumers.

We do not guarantee that our site (or any content on it) will always be available. We may suspend, withdraw or restrict the availability of all or any part of our site for business and operational reasons. We’ll try to give you reasonable notice of any major suspension or withdrawal.

You must make sure that everyone who uses your internet connection to access Bankrate is aware of, and complies with, these terms.

Our site is only for users in the UK

Our site is directed to people residing in the UK. The content on our site may not be appropriate or available for use in other locations.

You must keep your account details safe

If you create an account, you must keep your login details confidential. You are responsible for any activity on our site using your account or by anyone with access to your email account.

We may disable your account or your login details if you do not comply with these terms.

If you know or suspect that someone else knows your login details, you must tell us straight away by contacting customerservices@uswitch.com.

This is how you may use materials on our site

We own or have licensed all intellectual property rights in our site and the materials on it. Those materials are protected by copyright. All rights are reserved in relation to those materials.

You may print or download one copy of any page from our site for personal use. You may draw others’ attention to content posted on our site.

You must not modify the copies you make of any materials from our site. You must not use any pictures, video or audio separately from any accompanying text.

You must always identify the authors and contributors of content on our site.

You must not use any part of our site or the materials on it for any commercial purpose without our written permission.

If you do not comply with these terms, your right to use our site will end immediately and you must (at our option) destroy or return any copies of our site and the materials on it that you have made.

Do not rely on information on this site

The content on our site is provided for general information only. It is not advice. You should not rely on it. You must get professional advice before taking, or not taking, any action based on our site.

We try to keep our site up to date, but much of that information comes from external sources (for example, suppliers) and so we cannot verify it. We therefore make no representation, warranty or guarantee (whether express or implied) that the content on our site is accurate, complete, up to date or fit for any purpose.

Your contract for products featured on our website is not with us

If you buy a product featured on our site, then your contract is with the supplier of that product (not with us).

If you provide payment details to buy a product, we may pass those details on to the relevant supplier. You are responsible for making payments to the supplier of any product you purchase.

We do not endorse or recommend the products featured on our site

In providing our comparison service, we are not giving you financial or investment advice in relation to the products on our site. We do not endorse or recommend any supplier or product and you should make your own decision (with appropriate professional advice) about whether to purchase a product or not.

We are not responsible for products you buy through or after visiting our site

We are not responsible for the products featured on our site, if you choose to buy any of them. We are not liable to you in respect of any loss you suffer as a result of those products, including losses arising from a delayed or failed switch or your inability to obtain any cashback, voucher, reduced price or other incentive as a result of such a delay.

We are not responsible for linked websites

Our site contains links to sites and resources provided by other people. Those links are for your information only. The links do not imply that we approve those websites or any information you get from them.

We have no control over the contents of those sites or resources.

We are not responsible for user-generated content

Our site may include information and materials uploaded by other users. We do not verify or approve this information or these materials. The views expressed by other users are their own and do not represent our views or values.

Our responsibility for loss or damage suffered by you

We do not exclude or limit our liability to you for death or personal injury caused by negligence, fraud or where it is otherwise unlawful to do so.

We only provide our site for domestic and private use. You agree not to use our site for any commercial or business purpose. We have no liability to you for any loss of profit, loss of business, business interruption, or loss of business opportunity.

We have no liability to you in connection to your inability to access our site or services, any use or reliance by you on any content on our site or the provision of any product or service featured on our site.

How we may use your personal data

We will only use your personal data as set out in our privacy policy.

Contributing to our site

If you use a feature that enables you to contribute to our site (for example, by posting a review or uploading content) or contact other users, you must comply with our acceptable use policy.

You are responsible for (and will indemnify us against) any loss or damage we suffer if you breach our acceptable use policy.

We will treat any contribution you make as non-confidential and non-proprietary. You keep your rights in the content you contribute, but you grant us and other users of our site a licence to use, store and copy that content and to distribute and make it available to anyone any purpose.

We may disclose your identity to anyone who claims that content you post or upload breaches their intellectual property rights or their privacy rights.

We may remove any content you contribute if we consider that your post does not comply with our acceptable use policy.

You are responsible for securing and backing up your content.

We are not responsible for viruses, and you must not introduce them

We do not guarantee that our site is secure or free of bugs or viruses.

You are responsible for configuring your device and software to access our site. You should use anti-virus software.

You must not misuse our site by knowingly introducing viruses, trojans, worms, logic bombs or other material that is malicious or technologically harmful.

You must not attempt to gain unauthorised access to our site, the servers on which our site is hosted, or any server, computer or database connected to our site. You must not attack our site (for example, by a denial-of-service attack or a distributed denial-of-service attack). If you breach this paragraph, you may also commit a criminal offence under the Computer Misuse Act 1990. We will report any breach to law enforcement authorities and cooperate with those authorities (including by disclosing your identity to them). If you breach this paragraph, your right to use our site will end immediately.

Rules for linking to our site

You may link to our home page, but you must do so in a way that is fair, legal and does not damage or take advantage of our reputation.

You must not link to our site in a way that might suggest any form of association, approval, or endorsement on our part where none exists.

You must not link to our site in any website that is not owned by you.

You must not frame our site on any other website, nor may you link to any part of our site that is not the home page.

We may withdraw linking permission without notice.

The website in which you link must comply with the content standards in our acceptable use policy.

If you want to use content on our site other than as set out above, please contact us at customerservices@uswitch.com.

Which country’s laws apply to any disputes?

These terms of use, their subject matter and formation are governed by English law. You and we both agree that the courts of England and Wales have exclusive jurisdiction in relation to any dispute arising out of them (including non-contractual disputes), but if you are a resident of Northern Ireland you may also bring proceedings in Northern Ireland, and if you are a resident of Scotland, you may also bring proceedings in Scotland.

Our trade marks are registered

The Bankrate name and logo are registered trade marks of Bankrate, LLC and New Imagitas, Inc. and are reproduced by uSwitch Limited under licence. You are not permitted to use them without our written approval, unless they are part of material you are using as permitted under “This is how you may use materials on our site” above.

Complaints

If you are not happy with our response to your complaint, you may be able to continue your complaint by contacting the Financial Ombudsman Service. We aim to provide an excellent standard of service. If you feel we have not achieved this, please let us know. We take all complaints seriously and use our best efforts to resolve them as quickly as possible. Please read our complaints procedure here.

If your complaint relates to a product you have purchased on or after visiting our site, you should address your complaint directly to the supplier of that product.

You can formally raise your complaint about our services through the European Commission’s Online Dispute Resolution Platform.

© 2019 Bankrate and its licensors. All rights reserved. Bankrate is a trading name of uSwitch Limited, registered in England and Wales (company number 03612689). uSwitch Limited is authorised and regulated by the Financial Conduct Authority under firm reference number 312850. You can check this on the Financial Services Register by visiting the FCA website: www.fca.org.uk/register. Our registered address is The Cooperage, 5 Copper Row, London, SE1 2LH.

Bankrate services are provided at no cost to you, but we may receive a commission from the companies to which we refer you.

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