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August 30, 2014 - Latest:

Terms & Conditions

In the future some areas of MindfulMoney will require registration. By completing the initial registration form and by entering your email address and
password, you will be deemed to have accepted these terms and conditions.

Also, by subscribing to any of our email services, you are deemed to have accepted these terms and conditions. If you register with mindfulmoney.co.uk, you
should read our privacy policy.

If you have registered with us and subsequently change your details, you should immediately notify us of any changes by emailing the user support team at registration@mindfulmoney.co.uk

Any changes we make to the terms and conditions will be reflected on this page.

1.Registration

When you register, you are registering as a personal user of MindfulMoney. Access to registration areas is via your email address and password.

We allow you access to the registration areas of the site on the basis that:

(i) your email address and password are personal to you and may not be used by anyone else to access MindfulMoney.

(ii) you will not do anything which would assist anyone who is not a registered user to gain access to any registration area of MindfulMoney.

(iii) you do not maliciously create additional registration accounts for the purpose of abusing the functionality of the site, or other users; nor do you
seek to pass yourself off as another user

(iv) you comply with these terms and conditions.

If, for any reason, we believe that you have not complied with these requirements, we may, at our discretion, cancel your access to the registration areas
of MindfulMoney immediately and without giving you any advance notice.

2.Termination of registration

If we wish to bring the agreement to an end, we will do so by emailing you at the address you have registered stating that the agreement has terminated.

The agreement will terminate and your email address and password will become invalid on MindfulMoney immediately.

3. Use of material appearing on MindfulMoney

For the purposes of this agreement, “material” means material including, without limitation, text, video, graphics and sound material, published on the
MindfulMoney network.

You may download and print extracts from the material and make copies of these for your own personal and non-commercial use only.

You are not allowed to download or print the material, or extracts from it, in a systematic or regular manner or otherwise so as to create a database in
electronic or paper form comprising all or part of the material appearing on MindfulMoney.

You must not reproduce any part of MindfulMoney or the material or transmit it to or store it in any other website or disseminate any part of the material
in any other form, unless we have indicated that you may do so.

If you wish to use our content other than as permitted by these Terms of Service, then you need written consent to do so.

4.Disclaimer of liability

To the extent permitted at law, we do not accept any responsibility for any statement in the material.

You must not rely on any statement we have published on MindfulMoney without first taking specialist professional advice.

Nothing in the material is provided for any specific purpose or at the request of any particular person.

For the avoidance of confusion, we will not be liable for any loss caused as a result of your doing, or not doing, anything as a result of viewing, reading
or listening to the material or any part of it (except for death or personal injury attributable to our negligence and to the extent permitted at law).

You can access other sites via links from mindfulmoney.co.uk. These sites are not under our control and we are not responsible in any way for any of their
content.

We give no warranties of any kind concerning mindfulmoney.co.uk or the material. In particular, we do not warrant that MindfulMoney or any of its contents
is virus free.

You must take your own precautions in this respect as we accept no responsibility for any infection by virus or other contamination or by anything which
has destructive properties.

5.Submitting graphical material and photography for publication

Interactions with our site are governed by our Community Guidelines which are
incorporated in these Terms of Service.

You will be deemed to consent to these guidelines if you choose to post any content or comments to the site.

When you send a photograph or other graphical material to us you do so in accordance with these Terms of Service.

This means that you hereby agree that you have created the graphical works, or taken the photograph(s) you have sent to us, or you have permission from or
are authorised by the owner of the material to send it (them) to us.

By submitting the material, you are granting us a non-exclusive, royalty-free licence to publish or republish, or otherwise use any such graphical works or
photography in any format, including without limitation in print and electronic formats.

Selected photographs and graphical material will be published at the discretion of the editor and you will not be paid, even if your photograph(s) is (are)
published.

We may cut, edit, crop or arrange your photograph(s) or graphic as we think fit to appear on the mindfulmoney.co.uk web site, and we may remove your
photograph(s) or graphics at any time.

Your name will be published alongside your photograph(s) or graphic, but we may edit or delete any comments which you submit along with your photograph(s)
or graphic.

IMPORTANT: You or the owner of the photograph(s) still own the copyright in the photograph(s) sent to us and are free to republish the photograph(s)
wherever you or the owner wish and in whatever medium you or the owner want.

6.Submitting text for publication on MindfulMoney

Users of our site may submit material for publication in various areas of the site, including but not exclusively blogs.

We accept no liability in respect of any material submitted by users and published by us and we are not responsible for its content and accuracy.

If you want to submit material to us for publication on mindfulmoney.co.uk, you may do so on the following terms and conditions:

(i) publication of any material you submit to us will be at our sole discretion. We reserve the right to make additions or deletions to the text or
graphics prior to publication, or to refuse publication

(ii) you grant us a non-exclusive, perpetual, royalty-free, worldwide licence to republish any material you submit to us in any format, including without
limitation print and electronic format

(iii) you warrant to us that any material you submit to us is your own original work and that you own the copyright and any other relevant rights

(iv) you warrant that the material you submit is not obscene, offensive, defamatory of any person or otherwise illegal

(v) you agree not to post material which is deliberately intended to upset other users

(vi) you acknowledge that any breach of these warranties may cause us damage or loss and you agree to indemnify us in full and permanently against any
third party liabilities, claims, costs, loss or damage we incur as a result of publishing material you submit to us, including consequential losses.

(vii) we reserve the right to remove your access to individual services completely if we believe you are abusing the services in any way.

Interactions with our site are governed by our Community Guidelines which expand on
the points above and are incorporated in these Terms of Service. You will be deemed to consent to these guidelines if you choose to post any content or
comments to the site.

7.Data protection

Please see our privacy policy for details of how personal data may be processed.

8.Variations

These terms may be varied from time to time. Please ensure that you review these terms and conditions regularly as you will be deemed to have accepted a
variation if you continue to use the site after it has been posted. Details of variations will be posted in section 12 below.

9.Force majeure

Although we will do our best to provide constant, uninterrupted access to MindfulMoney, we do not guarantee this. We accept no responsibility or liability
for any interruption or delay.

10.Governing law & jurisdiction

This agreement is governed by English law and the parties agree to submit to the exclusive jurisdiction of the English courts.

11.Variations

There have been no variations to these terms of service since they have been written.

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