Terms & Conditions

These terms explain how you may use thriftyfamily.co.uk, its information and tools, and Thrifty Family’s introduction service. Please read them before using those services. You can save or print a copy for your records.

1. About Thrifty Family

Thrifty Family is a trading name of MoneyNerd Limited, a company registered in England and Wales under company number 12915403. Thrifty Family is not a separate legal company. MoneyNerd Limited owns and operates this website and is responsible for the services we provide. Our registered and trading address is The Grange, Grange Road, Malvern, WR14 3HA. In these terms, “we”, “us” and “our” mean MoneyNerd Limited, trading as Thrifty Family.

You can contact us at [email protected] or write to the address above. Complaints and privacy contacts are set out below.

2. What we do

Thrifty Family publishes general information about money, debt and household finances, including information about parking tickets and other driving fines, and introduces people to selected providers. Our website and introduction service are free to use. We are a commercial business and may receive referral fees, commission or affiliate payments.

MoneyNerd Limited’s Financial Conduct Authority (FCA) reference number is 978681. MoneyNerd Limited is not authorised by the FCA in its own right. It has the following relationships across its business. The service available to you depends on the page, link or form you choose; not every service is offered through Thrifty Family.

• Debt introductions through Thrifty Family: MoneyNerd Limited, trading as Thrifty Family, is an Introducer Appointed Representative of Pacific Financial Solutions Limited, trading as The Debt Advice Service (TDAS), FCA reference number 688034.
• Lending introductions: MoneyNerd Limited is an Introducer Appointed Representative of Loans Warehouse Ltd, FCA reference number 713110. Loans Warehouse is a credit broker, not a lender. MoneyNerd Limited, including when trading as Thrifty Family, is not a lender.
• Insurance introductions: MoneyNerd Limited is an Introducer Appointed Representative of Seopa Limited, trading as Quotezone.co.uk, FCA reference number 313860.
• Equity release and mortgage enquiries: MoneyNerd Limited acts as a lead generator for Age Partnership Limited, FCA reference number 425432.

These providers are authorised and regulated by the FCA for their regulated activities. Some products and services featured on our website are not FCA-regulated. You can check firms’ status and permissions on the Financial Services Register.

The relevant page or form identifies the provider for your enquiry. We work with selected commercial partners; listing a provider does not mean it receives every enquiry. Our How Thrifty Family works page explains the relationships across our business, including affiliate offers through Impact Radius Limited (impact.com), such as Wise and JustAnswer. A relationship listed there does not mean that every product or offer is available through Thrifty Family.

3. Debt enquiries and introductions

Thrifty Family does not provide debt advice, recommend debt solutions, or assess whether a debt solution is suitable, affordable or available to you. Collecting factual information for an introduction is not an assessment or recommendation. TDAS is responsible for the debt advice and assessments it provides.

We use TDAS for debt introductions and do not compare a panel of debt advice providers. Where an introduction proceeds, we pass the relevant details to TDAS so it can contact you about your enquiry, as explained on the form and in our Privacy Policy. Not every enquiry results in an introduction. Submitting an enquiry does not guarantee acceptance, eligibility, a particular solution, debt reduction or any other outcome.

Thrifty Family’s debt-enquiry follow-up is limited to approved emails about the introduction and accessing debt advice that you have requested or consented to receive. TDAS may contact you through the channels explained on the enquiry form, subject to the relevant permissions. We do not conduct debt-advice conversations by telephone, webchat or messaging.

TDAS’s debt advice is free and you do not have to proceed. Some debt solutions have fees and may negatively affect your credit rating. The provider should explain the relevant fees, risks and terms before you decide whether to proceed.

Free debt counselling, debt adjusting and credit information services are available. For impartial information and help from not-for-profit debt advice organisations, visit the MoneyHelper free debt advice locator. If you need extra support to access debt advice, contact TDAS to ask what support is available.

4. Provider services and how we are paid

If you choose a provider’s product or service, its own terms, eligibility requirements, charges, privacy information and any applicable cancellation rights will apply. Read those documents before committing. An enquiry or introduction does not itself enter you into a loan, insurance policy, debt solution or other provider agreement.

We may receive payment when you follow a link, make an enquiry or take up a product or service. For debt introductions through Thrifty Family, MoneyNerd Limited may receive a referral fee if you go ahead with a debt solution through TDAS. This gives us a financial interest in some introductions; it does not establish that a product or solution is suitable for you. Further details are on How Thrifty Family works.

Our free introduction service does not mean that the provider’s service or product is free. Check its charges before proceeding. Providers are responsible for their own advice, decisions and services. We remain responsible for our own conduct and for any duties that the law or applicable FCA rules place on us.

5. Website information and tools

Our articles and guides are general information. Any calculators, quizzes or financial wellbeing results we make available are also for general information. They are not personal financial, debt, legal or tax advice, a credit-reference-agency score, or confirmation that you qualify for a product or benefit. Get advice appropriate to your circumstances before making a decision where you need it. Using our content or tools, or contacting us, does not pause payment, appeal, court or other deadlines. Check the relevant notice or correspondence and seek appropriate advice promptly.

We take reasonable care in preparing and maintaining our content. Information can change, and tool results depend on the information entered and the assumptions explained with the tool. Check relevant details with the provider or an appropriate adviser. If you spot an error, please tell us at [email protected]. This section does not remove the responsibilities described under “Our responsibility to you”.

6. Accounts

If you choose an available account or financial wellbeing quiz offered through this website, it is provided by MoneyNerd Limited under the MoneyNerd brand. The relevant page explains what is available. An account is personal to you. Give accurate information, keep your contact details up to date and keep passwords or email sign-in links secure. Tell us promptly if you suspect unauthorised access. You are not automatically responsible for activity caused by a security failure on our part.

Submitting an enquiry does not, by itself, request an account or subscribe you to marketing. You can ask us to close your account by emailing [email protected]. Closure does not require us to erase information that we lawfully need to retain; our Privacy Policy explains retention and your rights.

7. Using the website responsibly

Use the website lawfully and provide information that is accurate to the best of your knowledge. Do not impersonate someone or submit another person’s information without proper authority.

You must not use the website for fraud, harassment or unlawful activity; introduce malicious code; attempt unauthorised access; attack or disrupt the website; or infringe another person’s intellectual property, privacy or other legal rights. Automated access that damages or materially disrupts the website is also prohibited.

We take reasonable steps to protect the website, but no online service can be guaranteed free from every security risk. Keep your devices and software appropriately protected. We may report suspected unlawful activity and disclose relevant information where lawful and necessary, as explained in our Privacy Policy.

8. Our content and intellectual property

We or our licensors own the intellectual property rights in our website content unless stated otherwise. You may browse, cache, save and print pages or extracts for personal, non-commercial use. Keep any copyright notices and acknowledge Thrifty Family or the identified author.

You need our permission to republish, sell, license or commercially exploit our content, except where the law permits the use. Nothing in these terms limits lawful quotation, criticism, review, research or any other applicable copyright exception.

You may link to our pages fairly and lawfully, without suggesting an endorsement or relationship that does not exist. Do not use our branding to mislead people or frame our website within another website without permission. We may ask you to remove a link that breaches these requirements.

9. External websites

Links, adverts and comparison services may take you to websites operated by other businesses. Their content, services and terms are their responsibility. A link is not a personal recommendation that a service is suitable for you. This does not exclude our responsibility for our own links, promotions or introductions where the law makes us responsible.

10. Availability and changes to services

We do not promise uninterrupted availability. We may need to maintain or update the website, respond to security issues, comply with legal or regulatory requirements, or change or discontinue a feature for reasonable operational reasons.

We will act reasonably and give advance notice of a material change or planned withdrawal affecting an account or ongoing feature where practicable. Where appropriate, we will give you a reasonable opportunity to save information before a feature is withdrawn. Urgent security or legal requirements may mean we need to act immediately. Your accrued rights and our legal responsibilities are unaffected.

11. Suspension or closure

We may restrict access or suspend an account where reasonably necessary to address a material breach of these terms, suspected fraud, a security threat or a legal requirement. Our response will be proportionate. Where practicable and appropriate, we will explain the reason and give you an opportunity to correct the problem before taking permanent action.

You may contact us to challenge a restriction or make a complaint. Suspension or closure does not remove your right to complain, exercise data protection rights or pursue a legal remedy.

12. Our responsibility to you

We are responsible for loss or damage you suffer that is a foreseeable result of our breach of these terms or our failure to use reasonable care and skill. Loss or damage is foreseeable if it is an obvious consequence or if you and we knew it could happen when the relevant service was agreed. We are not responsible for loss that was not reasonably foreseeable.

Nothing in these terms excludes or limits liability for death or personal injury caused by negligence, fraud or fraudulent misrepresentation, or any other liability that cannot lawfully be excluded or limited. Nothing limits your statutory consumer rights, your data protection rights, or any duty or liability we have under applicable financial-services law or FCA rules.

Our website is designed for personal use. If you use it for business purposes, we do not accept responsibility for lost business profits, business interruption or lost business opportunities. This does not affect the rights you have when using the website as a consumer or any liability that cannot lawfully be excluded.

13. Privacy, cookies and communications

Our Privacy Policy explains how MoneyNerd Limited, trading as Thrifty Family, collects, uses, shares and retains personal data and how you can exercise your rights. Our Cookie Policy explains cookies and similar technologies. Using our website or agreeing to these terms does not, by itself, give consent to optional cookies, marketing or every use of personal data. Common ownership of Thrifty Family and MoneyNerd does not automatically permit unrelated use of your information, cross-brand marketing or account creation.

We may send communications needed to deal with an enquiry you have asked us to handle, manage an account, respond to a complaint or notify you of an important service change. Thrifty Family’s debt-enquiry follow-up is limited to permitted emails you have requested or consented to receive. This does not restrict how you can complain or exercise your legal rights. Requesting an introduction is separate from choosing marketing.

We send marketing emails only with your prior consent and the required lawful basis and permissions. Debt-related marketing emails must also stay within the activities approved by our principal. You can withdraw consent or ask us to stop optional debt-enquiry follow-up at any time. To stop Thrifty Family marketing, use the unsubscribe link, reply to ask us to stop or email [email protected]. We act on opt-outs without undue delay and may retain a minimal suppression record to prevent unwanted marketing. An opt-out does not prevent us dealing with a complaint, responding to a rights request or meeting a legal obligation.

A provider manages its own communications and preferences. To stop that provider’s marketing, use its unsubscribe option or contact it directly. For questions about Thrifty Family’s use of your personal data, contact MoneyNerd Limited at [email protected].

14. Complaints

If you are unhappy with Thrifty Family, email [email protected] or write to MoneyNerd Limited at the address above. Making a complaint to us is free. You do not need to use a special form or particular wording. Our Complaints Procedure explains how to contact us and how complaints are handled.

We involve the relevant principal in complaints about activities carried out on its behalf. Complaints about our debt-introduction activities are passed to Pacific Financial Solutions Limited for handling in accordance with its complaints arrangements. MoneyNerd Limited remains responsible for complaints about its own use of personal data, including under the Thrifty Family brand, as explained in our Privacy Policy. If your complaint concerns a provider’s advice, product or service, you can contact that provider directly; we can also help direct your complaint to it.

Depending on the activity, the complaint and the applicable eligibility rules, you may be able to refer an unresolved complaint to the Financial Ombudsman Service. The relevant firm’s response should explain any referral rights and time limits. You can find information directly from the Financial Ombudsman Service. Data protection complaints may be raised with the Information Commissioner’s Office. Nothing in these terms restricts your right to seek a legal remedy.

15. Changes to these terms

We may update these terms to reflect changes to our services, technology, legal or regulatory requirements, or to make the wording clearer. Changes apply prospectively and do not retrospectively remove rights or change responsibility for an earlier event.

We will make the current version available on this page. Where a material change affects an ongoing account or service, we will give reasonable advance notice where practicable and explain any action you need to take. If a change requires your agreement, we will seek it. You can stop using the website or ask to close your account without a closure charge from MoneyNerd Limited; rights that have already arisen remain unaffected.

16. Your rights and the law that applies

If a term is found unlawful or unenforceable, the remaining terms continue to apply where they can operate fairly without it. A delay in exercising a right does not waive it. Nothing in these terms prevents you from exercising rights that the law gives you.

These terms are governed by the law of England and Wales. If you are a consumer, you also retain the mandatory protections of the law applicable where you live. You can bring proceedings in the courts of England and Wales or, if you live in Scotland or Northern Ireland, in the courts of your home jurisdiction. Nothing in these terms takes away any other court rights you have under mandatory law.

If you use the website as a business, the courts of England and Wales have exclusive jurisdiction, subject to any law that requires otherwise.