Consumer Financial Education Body terms and conditions

1. General

1.1 The following terms and conditions apply to the Consumer Financial Education Body Limited (CFEB) website www.cfebuk.org.uk.
1.2 The information and tools provided on the CFEB website are free resources for consumers, employers, support workers, advisers, charities and not-for-profit organisations and may not be used for commercial purposes of any kind.
1.3 By accessing any part of the CFEB website you will be deemed to have accepted these terms in full.
1.4 These terms are governed by and interpreted in line with English Law.
1.5 Our registered office is: The Consumer Financial Education Body Limited, 25 The North Colonnade, Canary Wharf, London, E14 5HS. Registered as a Limited Company in England and Wales No 07172704.

2. Copyright

2.1 Unless otherwise stated, CFEB owns the copyright and any other intellectual property rights in all material on this CFEB website.
2.2 Extracts may be printed, saved to disk or any other storage medium and downloaded from this website, provided:
2.2.1 It is for your own personal use as a consumer or for your benefit, or for use within a charity or not-for-profit organisation and is not for a commercial purpose of any kind;
2.2.2 No text or related graphics are modified in any way;
2.2.3 Graphics are not used separately from the accompanying text; and
2.2.4 The source of the material is acknowledged in all copies, either by appropriate words or by adding the CFEB copyright notice (ie © Consumer Financial Education Body Limited).
2.3 Charities and not-for-profit organisations may give copies of extracts, as described in Clause 2.2 above from the CFEB website to consumers incidental to advice and other activities. These extracts can be given in any form appropriate to the advice or other activities – e.g. printed paper, by fax, email or other electronic means.
2.4 The information on the CFEB website may also be used, after receiving written agreement from CFEB, by the providers of other websites or publications to help them develop their own content. Such approvals will be granted subject to status of the provider, reasons for use and current CFEB editorial policies. Any additional requirements will be agreed at the time of approval between the requestor and CFEB and in most cases will vary the terms of this Copyright section. Written agreement requests may be submitted via email to [email protected] or letter to ‘The Consumer Information team’ at CFEB’s registered office (The Consumer Financial Education Body, 25 The North Colonnade, Canary Wharf, London, E14 5HS).
2.5 Any rights not expressly granted in these terms are reserved.

3. CFEB website disclaimer

3.1 We try to ensure that information on the CFEB website is correct, but (except where indicated) we do not give any express or implied warranty as to its accuracy and we do not accept any liability for error or omission.
3.2 We are not liable for any damages (including, without limitation, damages for loss of business or loss of profits) arising in contract, tort or otherwise from the use of or inability to use the CFEB website, or any material contained in it, or from any action or decision taken as a result of using the the website or any such material.
3.3 The CFEB website and associated publications (available through download at www.cfebuk.org.uk/resources) aim to give you general information to help you make financial decisions and are intended for consumers of UK financial services resident in the UK and those who’s work includes helping them to understand their finances.
3.3.1 The information and tools provided are not advice, nor can they take account of your own particular circumstances.
3.3.2 For advice with a view to making decisions about your own circumstances you should consult a financial, legal or other professional adviser. To find out more see Getting help with money decisions.
3.4 We sometimes provide testimonials and case studies in our website content. When we do they are generally based on real life situations, but sometimes we change the names of individuals and any identifying information.
3.5 We do not control other websites linked to from the CFEB website and we are not responsible for the contents of them, or any changes or updates to such websites – with the exception of our websites for consumers (accessible via www.moneymadeclear.org.uk) and our website for young adults (www.whataboutmoney.info).
3.5.1 We are not responsible for webcasting or any other form of transmission received from any other websites.
3.5.2 We provide you with links to other websites only as a convenience, and our inclusion of links to them does not imply CFEB endorsement of their content or services.
3.6 While we try to ensure that the CFEB website is normally available 24 hours a day we are not liable if, for any reason, the site is unavailable for any period of time.
3.6.1 Access to the CFEB website may be suspended temporarily or permanently and without notice.

CFEB print disclaimer

Disclaimer: Our website and publications aim to give you general information to help you make financial decisions and help others to understand their finances. They are intended for consumers of UK financial services resident in the UK. The information and tools provided are not advice, nor can they take account of your own particular circumstances. Our helpline can answer general enquiries about financial products and services on 0300 500 5000, and give you information and pointers to help you work out what’s right for you. For advice with a view to making decisions about your own circumstances you should consult a financial, legal or other professional adviser.

CFEBUK.org.uk privacy policy

This privacy policy applies to the CFEBUK.org.uk website.
There is a separate privacy policy for Moneymadeclear consumer website, materials and money guidance service. To find out more about this policy and our consumer websites please visit www.moneymadeclear.org.uk.
This policy sets out the basis on which any personal data we collect from you, or that you provide us with via our CFEB website.
Any information you provide will be treated in accordance with the Data Protection Act 1998. We won’t try to sell you anything and you won’t receive unsolicited telephone calls or mail from us or any third parties.

Please notify us by email to [email protected] if you have provided us with personal information and you do not wish it to be used as described below, or you wish to see which information we hold about you as a result of your contact with us.

What information are we collecting?

We log your IP (Internet Protocol) address and session information (such as the duration of the visit and the type of browser used).

We sometimes collect personal information through optional online surveys from some areas of the website. These are usually delivered by other companies, so a different privacy policy will apply. Additional information about the survey will be available to see before you decide whether or not to take part.

You may also provide us with your address or contact details using our ‘Contact us’ page if you would like to get involved with our work or have a query. This is collected using an online form. What will we do with this information?

Your IP address and session information are only used for system administration and to provide statistics, which CFEB uses to evaluate use of the site. For information about the services we use to collect anonymous site usage statistics, please visit the Nielsen Online, Google Analytics and Doubleclick websites – see Related links.

If you provide us with your contact or address details using our online ‘Contact us’ form we will only use this information to respond to your query.

If we would like to use your personal information for any other purpose than those stated above, we will contact you to ask for your consent before doing so.

Who will see this information?

For information about the services we use to collect anonymous site usage statistics, please visit the Nielsen Online, Google Analytics and Doubleclick websites – see Related links.

If you asked us to call or email you back somebody in the relevant CFEB team will be in touch. They will not pass your information on to anyone else or use it for any other purpose.