Terms and Conditions

HowMuch is a registered trading name of HowMuch Holdings LTD, registered in England and Wales (Company Number: 16929511). Our registered office is at: 66 Paul Street, London, EC2A 4NA, United Kingdom. Our parent company is Fixr International Pty Ltd. We are registered with the Information Commissioner's Office (ICO) Registration Number: ZC113237.

By visiting our website and using this service, you are accepting our Terms and Conditions, Privacy Policy, and Cookie Policy and agree to abide by them. If you do not agree to these terms and conditions, you should stop using and/or accessing our website immediately. If you breach any of these terms, your right to access and use our website will cease immediately.

We acknowledge our obligations to this agreement by performing the service you have requested. In doing so, we are the service provider and you are our customer. We deal directly with you and have no obligation to any party other than you, our customer. If you are accessing our service on behalf of someone else, our obligation remains with you, the customer.

We reserve the right to amend these terms and conditions from time to time by amending this page. The amended terms and conditions will be effective from the date they are posted on our website. By continuing to use our website after changes are posted, you are accepting the updated terms.

We provide an online service that enables you to search for a range of insurance, financial, and business products provided by our panel of financial services firms ("Our Partners").

Fees: We do not charge you a fee for using the HowMuch service.

Commission: We receive a commission or lead fee from Our Partners if they are able to provide you with the particular product or service you were looking for.

Responsibility: Whether Our Partners provide the product is their responsibility and depends on an assessment of your eligibility and creditworthiness. It is your responsibility to ensure the information you provide is complete and accurate.

You must only use the HowMuch website for your own legitimate business purposes (or personal use where applicable) to search for products from Our Partners. You must not use the website in an unlawful or fraudulent manner and must be a UK resident, over 18 years old. If you are using our website on behalf of another person or entity, you confirm that you have their explicit permission to do so and that they understand these terms.

We may contact you by telephone, SMS, email, and post about our other products and services unless you have told us that you do not want to be contacted in this way. Please read our privacy policy for more information. By using our service to find a financial service or product, you agree to be contacted by Our Partners in order for them to provide you with that particular financial service or product.

HowMuch does not carry out credit checks on you. However, Our Partners may use external credit reference agencies and credit scoring services to ascertain your eligibility. These checks also help prevent fraudulent applications. When you make an application, you agree to Our Partners using your personal information to prevent fraud and verify your identity.

We (or our parent company, Fixr International Pty Ltd) are the owner or the licensee of all intellectual property rights in our website and the material published on it. These works are protected by copyright laws and treaties. You may print one copy or download extracts for your personal reference, but you must not modify these materials or use them for commercial purposes without obtaining a licence from us.

If you leave our website to complete an application on a Partner's website, it is vital that you read their specific terms and conditions. We have no control over the contents of third-party sites and accept no responsibility for them or for any loss or damage that may arise from your use of them.

We process information about you in accordance with our Privacy Policy. By using our website, you consent to such processing and warrant that all data provided by you is accurate. We reserve the right to amend any information displayed on our website at any time to ensure accuracy.

The information on our website is not intended to be construed as financial or other advice. It is provided to help you find the product or service you consider most appropriate for your circumstances. If you require financial advice, you should contact a registered Independent Financial Adviser (IFA) or another appropriate expert or professional.

We do not accept responsibility or liability for any loss or damage you may incur:

• If the information you provide to us is incorrect, incomplete, or misleading.
• If the product or service you apply for is not appropriate for you.
• As a result of any acts or omissions of Our Partners.
• Due to circumstances beyond our reasonable control.

This does not affect our liability for death or personal injury arising from our negligence, nor our liability for fraudulent misrepresentation.

You must not misuse our website by knowingly introducing viruses, trojans, or other malicious material. You must not attempt to gain unauthorised access to our servers or databases. A breach of this provision is a criminal offence under the Computer Misuse Act 1990. We will report any such breach to the relevant law enforcement authorities.

We aim to offer an excellent service. If you feel we have failed to provide this or wish to make a formal complaint, please write to:

A response will be provided promptly. If we do not resolve your complaint to your satisfaction, you may be able to refer it to the Financial Ombudsman Service, Exchange Tower, London, E14 9SR (www.financial-ombudsman.org.uk).

These terms and conditions shall be governed by and interpreted in accordance with English law. You agree to submit to the exclusive jurisdiction of the courts of England and Wales in connection with any dispute arising from these terms.

This agreement and all communications will be in English. If any provision is found to be unlawful or unenforceable, that provision shall be deemed deleted and shall not affect the validity of the remaining terms. These terms constitute the entire agreement between you and HowMuch relating to your use of our website.

If you have any questions about these terms and conditions, please contact us:

By Post: Customer Services Manager, HowMuch Holdings LTD, 66 Paul Street, London, EC2A 4NA.

By Email: Compliance@Howmuch.net