Terms And Conditions

Terms and conditions of the www.mymoneydiva.com site

Any user of www.mymoneydiva.com (the “Site”) or of the information contained within this Site agrees to be bound by the following terms and conditions of this user agreement (“Agreement”):

1. Introduction

1.a. This Site, the content and data, and other materials contained within the Site are owned and operated by Lara Media Limited, a company registered in England and Wales with number 06055689, which is operating as www.mymoneydiva.com. Lara Media has its registered office at Chestnuts, Ruckinge, Ashford, Kent, TN26 2PJ.
1.b. If you do not agree to these terms and conditions, then you must not use the Site. Within these terms and conditions, Lara Media Limited, and www.mymoneydiva.com, are referred to as “we”, “us” or “our”.
1.c. The brands, products and service names used in this Site (including, without limitation, “MyMoneyDiva.com”, “MyMoneyDiva” and “Saving Money, Making Money”) are the trade names of Lara Media Limited and MyMoneyDiva or its trading partners unless otherwise stated.  You may not distribute products or offer services under or by reference to or otherwise use or reproduce any such trademarks, trade names or taglines without the prior written permission of Lara Media Limited and MyMoneyDiva Limited.
1.d. Changes may be made to this agreement and/or other terms associated with the use of this Site without prior notice, and any amendments will be applicable to all Users from the time that revised terms are posted on the Site. Any continued use of the Site constitutes an acceptance and agreement with the revised terms and conditions.

2. Use of the Site

2.a.  This Site provides general information only about financial matters, and is intended to be used as a reference point only. It does not provide any elements of advice on your specific situation. Any use of the Site and/or its contents is entirely at your own risk.
2.b. We provide general information about financial matters, and we endeavour to provide accurate and useful information, even though at times this information may not be wholly accurate or up-to-date. It is also subject to change.
2.c. All Content, including the responses and questions in Ask the Experts when available, is provided without any representations or warranties of any kind, and is not intended as specific commercial, financial, business or legal advice. You should always carry out your own research and/or take specific professional advice before choosing any financial products or services, undertaking any business or financial venture.

2.d. Lara Media Limited and MyMoneyDiva Limited does not represent or warrant that the Site or the Content will be accurate, up-to-date, complete or free of defects, including without limitation viruses or other harmful elements.

3. Third parties

3.a. MyMoneyDiva.com provides links to other third party websites, which are provided for your convenience. However, Lara Media andMyMoneyDiva Limited do not endorse or take responsibility for the content of such websites, is not responsible for the availability of such websites; and will not be liable in any way for any loss or damage which you may suffer by using such websites.
Accessing these linked websites is done entirely at your own risk.
3.b. We are happy for other websites to link to our Site. The exception to this would be, but not limited to, any site which is distasteful in nature, or operating or encouraging illegal activity. Any sites linking to MyMoneyDiva must only link to the homepage, and must not imply any endorsement of its products or services by Lara Media Limited or MyMoneyDiva Limited.
3.c. It must not misrepresent its relationship with or present false information about Lara Media Limited or MyMoneyDiva Limited, must not infringe any intellectual property or other right of any person and complies with all relevant laws and regulations. However, we reserve the right to withdraw such permission at any time and to take any other appropriate action.

4. Intellectual property and copyright

4.a. Lara Media Limited and MyMoneyDiva own or control all copyright, database and all other intellectual property rights in the Site and the Contents, unless stated otherwise.  You may not publish, distribute, extract, re-utilise, or reproduce any part of the Site or its contents in any form (including storing it in any medium) other than as expressly allowed by us, or as permitted by UK or local law.
4.b. Any information you add to the Site in blog comments of forums you will have copyright of. But by adding material to the site, other than the personal information mentioned above, you grant us a perpetual, royalty-free, worldwide, non-exclusive licence to use your contribution in all media.
You must only submit original materials generated by yourself, and warrant that you have the right to grant such licence and you agree to waive your moral rights for the purposes of such licence. If you do not want to grant these rights, please do not submit your contribution to the Site.

5. Forums and Blog comments

5.a. By registering with the site, on the forum (when offered) or otherwise, you will agree to keep your password confidential, and will not allow anyone to represent themselves as you to access the site with your email address or password. You will not assist anyone who is not a legitimately registered user to access any secure site area, or seek to pass yourself off as another user.
5.b. You will have only one registration account, and will not create additional registration accounts to abuse the Site functionality.
5.c. When you create a username, you will not use vulgar, offensive usernames or any other usernames deemed to be inappropriate by Lara Media and MyMoneyDiva.
5.d. Any information you provide to the site will be true, accurate and complete, and we will treat personal information provided by users with the care and security outlined in our privacy policy.
5.e. Forums, blog comments and communications with other users will also be subject to these terms and conditions, and general guidelines of good taste.
5.f. You will not post adverts, the URL or other address details of businesses or organisations with which you are involved or from which you stand to gain financially. If you wish to advertise with MyMoneyDiva, you should contact us directly using the details in the “Contact Us” section.

5.g.In addition you will not:

i. Post malicious, threatening, unlawful, defamatory or objectionable content, including but not limited to anything inciting racial or religious hatred, homophobia, or hatred of any other kind, suicide, anorexia or bulimic instruction.

ii. Post material for which they do not own the copyright, all posts will be the Users’ own original work.
iii. Post spam or off-topic material.
iv. Post chain letters or pyramid schemes.
v. Intentionally supply false information.
vi. Misuse the report this post button.

5.h. In addition, Users will abide by any changes to the terms and conditions imposed after they have created their account.
5.i. Content posted on forums (where available) or blogs are the views of the User creating that content, and do not necessarily reflect the views of Lara Media Limited or MyMoneyDiva Limited. Where comments remain as posted, it does not imply or suggest any agreement or endorsement of those views on behalf of either company, or the information they contain.
5.j. We cannot, and do not, take responsibility for the accuracy of information generated and posted by users who are not employed by Lara Media or MyMoneyDiva.

6. Featured Articles

Any item that is within the ‘featured article’ section of the site is copy that Lara Media is paid to host. This content is still editorially managed, but will contain links to companies that have paid to be ‘featured’ on the site.

7. User accounts

7.a. Lara Media and MyMoneyDiva reserve the right to delete any content or User accounts or take other action as necessary without notice.
In addition, we will monitor use of the forums (where available), and will act on abuses. We ask Users to report to us any content or item they feel is offensive, vulgar, a breach of copyright, libellous, or defamatory, and we will investigate it.
If we agree that the content is inappropriate, we will endeavour to remove it within 24 hours of it being brought to our attention. Please also tell us if you believe you have been threatened or harassed through usage of the website.
7.b. We reserve the right to deny any or all access or service to any User for any reason, at any time, at our sole discretion. The User agrees that we may block a User’s IP address or addresses at any time, and at our sole discretion to disallow a User’s continued use of the Site. We reserve the right to take any action we may deem appropriate in our sole discretion with respect to violations or enforcement of the terms of this Agreement, and we expressly reserve all rights and remedies available to us at law or in equity.
7.c. The liability of Lara Media Limited and MyMoneyDiva Limited are restricted to the amount the user has paid us for our services. Nothing in this Agreement shall operate to limit or exclude liability for death or personal injury caused by negligence of either Lara Media Limited or MyMoneyDiva Limited.
7.d. Use of the Site and/or its contents, does not constitute any partnership, client, fiduciary or any other professional relationship.

8. General

8.a. You will not attempt to hack, crack, reverse-engineer, damage, deny service to or otherwise interfere (collectively known as “interfere” or “interference”) with the Site in any way. Any such interference resulting in damage to either Lara Media or MyMoneyDiva, will result in payment by you to the companies for all damages incurred.
8.b. We will work with the relevant authorities to prosecute anyone who interferes with the Site, its content or its operators, or tries to defraud Lara Media Limited, MyMoneyDiva Limited, its directors and/or employees, or any other parties using the Site or who have accessed services provided by the Site.
8.c. Any loss, damage incurred by Lara Media Limited or MyMoneyDiva Limited, including without limitation legal fees which arise from the User’s use of the Site or any information obtained through the Site, is indemnified by the User.
8.d. If any part, term, or provision of this Agreement shall be held by a court of competent jurisdiction to be illegal, unenforceable, or in conflict with any law of the United Kingdom having jurisdiction over this Agreement, the remaining portions or provisions shall still remain valid and continue in full force and effect.
8.e. This Agreement shall be governed by and will be construed in accordance with the laws of England and Wales. Any disputes arising under or in connection with this Agreement shall be subject to the exclusive jurisdiction of the English Courts.

Updated: 10.2.14