Terms and conditions

Introductions

These terms and conditions contain valuable information that govern our relationship with you. We are more than happy to help with any further questions or queries you may have. Visit our contact us page to get in touch.

if you were looking for information on how we protect your personal details - that can be found in the Piggybanker Privacy Policy

Defintions

In these Terms of Use, "we", "our" and "us" means Piggybanker.it is a trading name of Clever Biscuit Ltd. and "you" and "your" means any person who accesses and uses this website; "Terms" means these terms and conditions; "Product Provider" means any credit card issuer, bank, building society or any other financial institution.

Clever Biscuit Ltd. is registered in England (Registration No. 07753740), with the registered address at: 145 - 157 St John Street, London, ECIV 4PW.

Our agreement with you

Our website and price comparison technology has been designed to allow individuals (or businesses) looking for products on their own behalf to find the most competitive prices from the leading UK and financial services providers online. By using our website and price comparison services you are agreeing to these terms and conditions.

Our services

Piggybanker.it is not a broker - we are a price comparison service that can be used to help find out if you can save money on a range of financial services products. We currently compare prices for credit cards.

We provide an independent online service to enable you to research and compare financial services provided by third parties while using this website. Our comparison service is free for you to use. We don’t add any fees or commissions to the products or services you compare. Instead, we will introduce you to other parties who provide products or services. We are paid by charging those third party product or service providers a fee if you choose to become a customer.

Please be aware that nothing on this website should be to constituted as financial advice, recommendation or endorsement by us in respect of any product referred to on this website. We provide information for general purposes only so that you can select the product or service that you feel is most appropriate to meet your needs.

Your responsibility

Before you apply for any financial product, it is very important that you check all of the information held by the product provider about you to ensure it is correct, complete and accurate.

You should always check the suitability, adequacy and appropriateness of the product or service that you are interested in and it is your decision whether to apply or refrain from applying for any product.

Price delivery

Most credit card issuers change their terms and rates on a regular basis. We make every effort to keep on top of changes, but very occasionally changes may occur without us being notified. If you spot any mistakes or inaccuracies on our site, please contact us.

Our liability to you

Piggybanker.it are unable to offer advice on particular credit card providers.

While we will use all reasonable endeavours to ensure the accuracy of any information placed on the website, we make no representations or give any warranties of any kind with respect to this site or its contents and we disclaim all representations, except where fraudulently made, and warranties. In addition we make no representations or warranties about the accuracy or the information contained on this website.

The information provided to you in connection with the products is provided by the product providers and you acknowledge that we have no liability to you with respect to the accuracy of such information. As we rely on information given to us by third parties there may be a time delay in keeping that information up to date. You should therefore check the accuracy of the information.

The website may only list the product providers with whom we have arrangements and may not cover all Product Providers in the market. These disclaimers do not attempt to disclaim liability for matters that cannot be excluded under any applicable English law.

We make no warranty that the website will meet your requirements or will be uninterrupted, timely, secure or error-free, that defects will be corrected, or that the site or the server that makes it available are free of viruses or bugs or represents the full functionality, accuracy or reliability of the materials.

We will not be liable to you for any loss of content or material uploaded or transmitted through the website.

We cannot guarantee that a product provider will be able to provide a product at any particular time. We do not accept any liability in the event of withdrawal of any offering of a product or for rejection of your application by the product provider for any reason whatsoever.

Neither we, nor any of our directors, agents or employees will be liable for damages arising out of or in connection with your use of this site.

This is a comprehensive limitation of liability that applies to all damages of any kind, including, without limitation, compensatory, direct, indirect or consequential damages, loss of data, income or profit, loss or damage to property and claims of third parties. We do not exclude any liability for death or personal injury resulting from our negligence or that of our directors, agents or employees.

This website is designed to provide you with general information only and does not attempt to give you advice on any particular investment or to recommend any particular investment to you. If you have any doubt as to whether a particular investment is suitable for you, you should contact an Independent Financial Adviser.

If our standards aren’t up to scratch

Our aim is at all times to provide a first class standard of service. However, there may be occasions when you feel we may have not achieved this. If we fall short of our own high standards then we want you to tell us! At Piggybanker.it we take all complaints seriously and in such an event please follow this link to contact us.

If your complaint is regarding a credit card that you have applied for through and with whom we put you in touch, then you should address your complaint direct to that company. Piggybanker.it cannot accept liability for errors made by the selected provider or answer complaints on their behalf. In such an event we recommend you follow the guidelines provided in their Complaints Procedure.

Third party links

You can link to other websites by means of hyperlinks published on this website or e-mailed to you as part of our service. These websites are owned and operated by third parties. We accept no liability for any statements, information, products or services that are published on or may be accessible through third party websites.

Amendments to our terms

We reserve the right to amend our terms and conditions at any time. The amended terms will be effective from the date they are posted on our website. As such, we recommend that you check our terms and conditions every time you visit the website.

Website content

We have taken every reasonable step to make sure the information contained in this website is accurate and up-to-date. However, we can accept no liability for any errors or omissions. We reserve the right to add, amend or delete information from this site at any time.

Whilst we take every reasonable step to counteract viruses and other things with contaminating or destructive properties, we can give no warranty that this site and its content are free from viruses or anything else that has such contaminating or destructive properties.

Copyright

You acknowledge and accept that all copyright, trademarks and all other intellectual property rights in all material or content provided as part of the website belong to us, or a product provider. You are permitted to use our website for your own purposes and to print and download material from this Website provided that you do not modify any content without our consent. Material on this website must not be republished online or offline without our permission.

Any other use of the material and content of the website is strictly prohibited and you agree not to copy, reproduce, transmit, publish, display, distribute, commercially exploit or create derivative works of such material except with our written consent. All rights of Clever Biscuit Ltd. in such intellectual property rights are hereby reserved.