Terms & Conditions

Transparency is key for us, so take a read through our terms & conditions. Here we explain how we operate & what you can do with Kai Money content.

Update: 21st January 2019

1.1. These are the Terms and Conditions of Use (“Terms”) for KaiMoney.com, our related mobile applications or other similar devices, and our tools (the “Site”). Our Site is owned and operated by WDPUK Limited (“we”, “us” or “our”) and was founded by Jermaine Hagan.

1.2. The Site is provided to you free of charge for your personal use, subject to these Terms and our Privacy Policy. Please read these Terms and our Privacy Policy before using our Site. By using our Site you are agreeing to be bound by these Terms and our Privacy Policy. If you don’t agree to these Terms or our Privacy Policy, you should stop using and accessing the Site. If you breach any of these Terms, your right to access and use the Site will cease immediately.

1.3. These Terms explain:

  • How our Site, including our tools, operate
  • What you can do with our content
  • What we can do with things you post
  • Your rights and responsibilities

1.4. We may update 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 you’re 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, your use of the Site indicates your agreement to be bound to the new Terms.

Our Site is all about sharing information on Life. We provide regularly updated general information, tools, clubs and services with our views on how to save money. After many articles you’ll find a link to discuss the articles with other KaiMoney.com users via Facebook. The information you read on our Site is a great starting point for your further research into what suits your particular Life requirements.

Information on our Site 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 offers. 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 take your privacy seriously. Please read our Privacy Policy to see how we collect, use and protect your personal information.

Links on our Site

5.1. Our Site includes details on, or links through to, information provided by other websites. We don’t control the accuracy or completeness of that information and cannot accept any responsibility for the content of those websites. 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 its contract carefully before deciding to buy. Remember: your contract for those products or services will be with that website, not us.

5.2. 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!

5.3. Some of the links included on our Site are affiliate 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 its site or purchasing a product from it. However, as our How This Site Is Financed guide makes clear, our independence is paramount to us and our selection of links is not influenced by any fee/commission received by financial providers.

Links from your website

5.4. You are only permitted to link to our Site with our prior written consent provided you:

5.4.1. comply with these Terms and all applicable laws;

5.4.2. do not use any of our trade marks or logos;

5.4.3. link only to those pages (including our homepage, where relevant) we have given you our permission to link to;

5.4.4. do not in any way imply that we are endorsing you, your website, or its products or services;

5.4.5. do not misrepresent your relationship with us or present false information about us;

5.4.6. do not infringe any intellectual property or other rights of any person or otherwise breach all relevant laws and regulations;

5.4.7. do not have content in your website that could be considered distasteful or offensive.

If you breach these terms, we have the right to require that your link is removed and to take whatever other action we think appropriate.

6.1. All of the content on our Site is owned by us or our licensers and is protected by English and international copyright laws.

6.2. Our content includes any information, features of, or other material found on 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.

6.3. All brand names and trade marks that appear on this Site are trade marks or trade names of their respective holders. No permission is given to use any of these brands or marks and any such use may constitute an infringement of the holders’ rights.

7.0 We operate or have operated on our behalf a number of Life tools and personalised tools, including loan calculator, savings calculator & salary calculator tools and any other personalised tools that we may launch from time to time. The tools are for your personal non-commercial use only. If you are submitting another person’s details when you use the tools you must get their permission first before you provide us with their details. In submitting any other person’s details, you are confirming to us that you have their permission to do so and that they understand how their details will be used

8.1. We provide our Site in good faith but we can’t and don’t warrant the completeness, truth or accuracy of the information or other content or postings found on our Site, or their usefulness for any particular purpose. You acknowledge and agree that: (i) your use of the Site is at your own sole risk; and (ii) you bear full responsibility for your own Life research and decisions and that we shall not be liable for any action that you or others take or don’t take based on your use of or reliance on information provided by us or other users of our Site.

8.2. Before you apply for any products via our Site and in particular our Personalised Tools, it is very important you: (i) carefully read the terms and conditions of the product, the product provider’s terms and conditions and any other terms applicable to the product; (ii) check all the information held by the product provider about you to ensure it is correct, complete and accurate. We make no representations and warranties as to any linked websites and KaiMoney.com has no liability or responsibility with respect to your use of such websites. It is your responsibility to: (i) ensure the product matches your requirements and that you agree to the terms and conditions of the product before you apply for it; and (ii) identify and correct any mistakes or errors in the information about you held by the product provider before you apply for any product. We cannot accept any responsibility or liability for any loss or damage you may suffer or incur: (i) in the event that any product you apply for does not meet your requirements, or is not suitable for you; or (ii) if any information about you held by the product provider is not correct, complete and accurate; or (iii) if it is misleading, or if you have failed to disclose all relevant facts. If you’re in any doubt as to whether any information is relevant or required to be disclosed, or that something may be incorrect, you should disclose it to your proposed provider before you apply for the product.

8.3. We don’t accept any responsibility or liability for the accuracy or reliability of any statement made on the Site by anyone other than authorised KaiMoney.com employees acting in such capacity.

8.4. We don’t promise that your access to our Site, or its content will be delivered uninterrupted, timely or error-free, or that the Site will be free from viruses or other harmful properties. It’s your responsibility to implement satisfactory safeguards and procedures to make sure any files you obtain through our Site are free from such contamination or other harmful properties.

10.5. THE EFFECT OF WHAT IS SET OUT HERE IS THAT YOU ACKNOWLEDGE AND AGREE THAT TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, REGARDLESS OF THE FORM OF ACTION, WHETHER IN CONTRACT, TORT (INCLUDING NEGLIGENCE) OR OTHERWISE, UNDER NO CIRCUMSTANCES WILL WE OR OUR AFFILIATES, INCLUDING, WITHOUT LIMITATION, OUR RESPECTIVE OFFICERS, DIRECTORS, EMPLOYEES, SUCCESSORS AND ASSIGNS, BE HELD LIABLE TO YOU OR ANY OTHER PARTY FOR ANY DIRECT, INDIRECT, INCIDENTAL OR OTHER TYPE OF DAMAGE, LOSS, OR INJURY RESULTING FROM YOUR USE OR DOWNLOADING OF ANY CONTENT ON OUR SITE.

11. Indemnity. You agree to indemnify, defend and hold harmless us, our directors, officers, employees and licensers 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 Site, Social Media or via any other communications 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.

12. General

12.1. If any of these provisions is deemed invalid, void or unenforceable that provision will be deemed severable from the rest and will not affect the validity and enforceability of any remaining provisions.

12.2. Our failure or delay to exercise any provision of these Terms shall not be construed as a waiver of any provision or right.

12.3. These Terms shall be governed by the laws of England and any dispute between us will be resolved exclusively in the Courts of England.

13. Changes. These Terms were published on 20 January 2020.

Any questions? If you have any questions about our Site or these Terms, please contact us on contact@kaimoney.com