Terms and Conditions

1. Introduction

1.1 Welcome to MinistryofThrift.co.uk. This site is owned and operated by Erel Onojobi trading as Ministry Of Thrift.

1.2 PLEASE READ THESE TERMS AND CONDITIONS OF USE (“Terms”) BEFORE USING OUR SITE. By using our site you are agreeing to be bound by these Terms.

1.3 We may make changes to 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 that you are 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, it means that you accept any such changes.

2. What we do

2.1 This site is about helping people with money management, and providing services and products to individuals and organisations mainly in the voluntary sector. Some of these services and products are free and some are charged. The Money Tool Box for example is a free tool and is a collection of websites, tools and resources organized in a way that makes it easy to access.

3. Privacy Policy

3.1 We take your privacy seriously. Please read our Privacy Policy to see how we deal with this information.

4. Links

4.1 Our site does include details on, or links through to, information provided by other websites. We don’t control the accuracy or completeness of that information. 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 their contract carefully before deciding to buy. Remember, your contract for those products or services will be with them, not us.

4.2 When you use other websites, any personal information you give them will be dealt with in line with their privacy polices, not ours, so please read the privacy policies of each and every such website before using them!

4.3 You are welcome to link to our site if you comply with the terms set out in this section and all applicable laws. Any site or service that links to our site:

4.3.4 You can display a Ministry of Thrift logo but mustn’t remove, distort or otherwise alter the size or appearance of our logo;

4.3.5 mustn’t in any way imply that we are endorsing it or its products or services;

4.3.6 mustn’t misrepresent its relationship with us or present false information about us;

4.3.7 mustn’t be a site or service that infringes any intellectual property or other right of any person or that otherwise does not comply with all relevant laws and regulations;

4.3.8 mustn’t be a site or service that contains content that could be considered distasteful or offensive.

If you breach these terms, then we have the right to require that your link is removed and to take whatever other action we think appropriate.

5. Content

5.1 All of the content on our site is owned by us and is protected by UK and international copyright laws. This includes all products, photographs and video content.

6. Your content such as review comments/photographs and videos

6.1 You own any copyright in the text that you post as reviews, provide photographs or video content. However, when you post text or send us photographs or video content, you expressly grant us a perpetual, unlimited free license to republish that text on our site and to redistribute/make available and/or sell that text in print or electronic form anywhere in the world as part of an edited compilation or otherwise.

7. Disclaimer of warranties and liability

7.1 The site is provided in good faith but doesn’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. You acknowledge and agree that you bear full responsibility for your own 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 this Site.

7.2 You are not promised 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 is 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.

7.3 The effect of what is set out here is that you agree that under no circumstances will we be held liable for any direct, indirect, incidental or other type loss or injury resulting from your use, or downloading of any content on our site.

8. General

8.1 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.

8.2 This site is directed to users in England and Wales only unless otherwise specified for specific items posted on this site.

8.3 These Terms shall be governed by the laws of England and any dispute between us will be resolved exclusively in the Courts of

9. Contact Us

This site is owned and operated by Erel Onojobi trading as Ministry of Thrift, 27 Chesson Road, W14 9QR

If you have any questions about our site or these Terms and Conditions, please contact us by writing to 27 Chesson Road, W14 9QR. However, for any other issues please do not write to this address please email enquiries@ministryofthrift.co.uk