monix terms and conditions of use
To delve deep into monixbudget.com's terms and conditions, dive right into this webpage.
Here we explain how we operate, what you can do with monix content and what we can do with your contributions. They also relate to key areas of our site such as our various tools, including our monix products.
Updated: 2 May 2020
one | introduction
1.1. These are the Terms and Conditions of Use ("Terms") for monixbudget.com, our related mobile applications or other similar devices, our hosted webinars, our products, and our tools (the "Site"). Our Site is owned and operated by Monix Technology Ltd ("we", "us" or "our"), founded by its Director Robert Reed, an independant limited company.
1.3. These Terms explain:
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.
How our Site operates
What you can do with our content
What we can do with your information
Your rights and responsibilities
two | what we do
2.1. Our Site is all about sharing information on effective budgeting and personal financial management. We provide regularly updated general information, tools and services with our views on how to save money. You'll find a links to discuss the information with our monix team via webinars or zoom calls and links to discuss information and opinions with monix users (and non users) via Facebook. Outisde of what is posted by the monix brand on legitimate official monix profiles, we cannot be responsible for the information, opionions or language used by others. The information you read on our Site is a great starting point for your further research into what suits your particular financial requirements.
three | what we don't do
3.1. 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 financial, or other, decisions. 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.
five | 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 may be 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, our independence is paramount to us and our selection of links is not influenced by any fee/commission received by financial providers.
seven | our content
7.1. All of the content on our Site is owned by us or our licensers and is protected by English and international copyright laws.
7.2. Our content includes any products, 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.
7.3. The trade marks 'monix', 'monixapp.com', 'monixtech.com', 'monixtechnology.com', 'monixbudget.com' and 'the monix way', among others, are owned by Monix Technology Ltd. The trade mark 'Rob Reed' together with Rob Reed's image are owned by Robert personally. All other 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.
eight | user content
8.1. When you post content on our Site, you agree and represent that you have created that content. You still own any copyright in the text that you post on our Site. However, when you post text, images, video or other media, you expressly grant us a perpetual, fully transferable, worldwide royalty-free licence to republish that text on our Site and to use/redistribute/make available and/or sell that text in any format and on any platform, either now known or hereinafter invented anywhere in the world as part of an edited compilation or otherwise. We may automatically track certain contextual links in your posts.
8.2. We, or authorised third parties, reserve the right to cut, crop, edit or refuse to publish your content at our or their sole discretion. We may remove your content from use at any time. You acknowledge and accept that the technical requirements of our Site may result in changes to your content to conform with it. We take no responsibility for the deletion or failure to store postings of user content submitted by you or other Site users.
8.3. If you're aged under 16 you confirm you have the permission of your parent or guardian to submit content to us.
nine | forum and social media
9.1. We encourage debate and the sharing of information between our users. However, we do require that your use of our Social Media platforms, and any other communication systems that we provide, is lawful and in accordance with our Forum Rules which are incorporated into these Terms.
9.2. We accept no liability for user content on the Site provided by yourself or by others, including any reliance on the accuracy or completeness of such user content. You acknowledge and accept that user content posted on our Site is the opinion of the person posting only and in no way reflects our opinions or attitudes. You further acknowledge and accept that we have no obligation to moderate any content posted by you and other users on the Site.
9.3. You warrant that the content you post does not contain extremist views, appear to incite or promote terrorist activities and is not obscene, fraudulent, libellous, threatening, harassing, abusive, hateful or embarrassing to any other person as determined by us in our sole discretion, or illegal. You further warrant that the content you submit to us does not infringe any intellectual property right or proprietary or privacy right of any party or individual.
9.4. You agree not to:
9.4.1. post or transmit advertisements for or solicitations of business (whether openly, or under the false guise of an unconnected party);
9.4.2. after receiving a warning or otherwise being banned from the Site, continue to disrupt the normal flow of dialogue, post or transmit comments that are not related to the topic being discussed;
9.4.3. post or transmit chain letters or pyramid schemes;
9.4.4. impersonate another person;
9.4.5. disguise the IP address of the connection used to post any message;
9.4.6. post or transmit any files containing viruses or other harmful computer code;
9.4.7. harvest or otherwise collect or use information about others, including email addresses, without their explicit consent;
9.4.8. allow any other person or entity to use your identification for posting or viewing comments or for communicating with other users;
9.4.9. post the same note more than once or spam;
9.4.10. knowingly post untrue information about another person or business with the intention of harming their reputation or livelihood;
9.4.11. engage in any other conduct that restricts or inhibits any other person from using or enjoying these areas of our Site, or which, in our judgement, exposes us to any liability or detriment of any type;
9.4.12. intentionally make false or misleading statements about investments, their price or their prospects. If you do, you may be committing a criminal offence;
9.4.13. post either intentionally or otherwise, any material that could have the effect of manipulating the market value of any investment. This may be a criminal offence; or
9.4.14. give investment advice by way of business or make financial promotions.
ten | monix tools
10.1. We operate, or have operated on our behalf, a number of personal financial management tools that we may launch from time to time ("Monix Tools"). Monix Tools are for your personal non-commercial use only. If you are submitting another person's details when you use any Monix 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. We reserve the right to suspend, amend, remove or modify any of the Monix Tools.
10.2. Monix, Monix Plus and Monix Personal ("Monix Products")
10.2.1. The data provided in Monix Products will be based on the personal information you have provided, so will only be as accurate as the details you give.
10.2.2. In purchasing a Monix Product, you agree and accept that we will regularly contact you with information, offers and survey requests about financial management, and other relevant topic. Personal information, details and emails are managed through Mailchimp (part of The Rocket Science Group) in accordance with their terms. By submitting your details, you are consenting to Mailchimp using them. If you don't want us to contact you, you can unsubscribe from our emails at any time. For further information about how your details will be used, please read the rest of these Terms, our
10.3. Note that it is your responsibility to:
10.3.1. check and ensure that all information, content, material or data you provide on the Site is correct, complete, accurate and not misleading and that you disclose all relevant facts;
10.3.2. ensure that any username, password and/or other identification information you create is kept confidential by you and is not disclosed or shared with anyone. Where you do disclose any of these details, you are solely responsible for all activities undertaken on our Site where they are used;
10.3.3. choose a strong password to access your personal information on our Site. Your password may only be reset with access to the email address registered in our system.
10.4. For further information on all the Monix Tools, please see our
eleven | disclaimer
11.1. 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.
11.2. You acknowledge and agree that:
11.2.1. your use of the Site is at your own sole risk; and
11.2.2. you bear full responsibility for your own financial management 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.
11.3. Before you apply for any products via our Site, and in particular the Monix Tools, it is very important you:
11.3.1 carefully read the terms and conditions of the product, the product provider's terms and conditions and any other terms applicable to the product;
11.3.2 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 we hold no liability or responsibility with respect to your use of such websites.
11.4. It is your responsibility to:
11.4.1. ensure the product matches your requirements and that you agree to the terms and conditions of the product before you apply for it; and
11.4.2. 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 us, or your proposed provider before you apply for the product.
11.5. 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 Monix Technology Ltd employees acting in such capacity.
11.6. 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 contaminations or other harmful properties.
11.7. 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.
twelve | indemnity
12.1. 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.
12.2. You agree that the content provided is for information purposes and Monix Technology Ltd, our directors, officers, employees and licensers are not liable and will not indemnify you, or any third 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.
thirteen | general
13.1. 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.
13.2. Our failure or delay to exercise any provision of these Terms shall not be construed as a waiver of any provision or right.
13.3. These Terms shall be governed by the laws of England and any dispute between us will be resolved exclusively in the Courts of England.
fourteen | changes
14.1. These Terms were published on 2 May 2020 and replace with immediate effect any Terms previously published.
six | links from your website
6.1. You are only permitted to link to our Site with our prior written consent provided you:
6.1.1. comply with these Terms and all applicable laws;
6.1.2. do not use any of our trade marks or logos;
6.1.3. link only to those pages (including our homepage, where relevant) we have given you our permission to link to;
6.1.4. do not in any way imply that we are endorsing you, your website, or its products or services;
6.1.5. do not misrepresent your relationship with us or present false information about us;
6.1.6. do not infringe any intellectual property or other rights of any person or otherwise breach all relevant laws and regulations;
6.1.7. do not have content in your website that could be considered distasteful or offensive.
6.2. 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.